WO2005073931A2 - Dispositif transactionnel a pre-traitement anticipe - Google Patents
Dispositif transactionnel a pre-traitement anticipe Download PDFInfo
- Publication number
- WO2005073931A2 WO2005073931A2 PCT/FR2005/000088 FR2005000088W WO2005073931A2 WO 2005073931 A2 WO2005073931 A2 WO 2005073931A2 FR 2005000088 W FR2005000088 W FR 2005000088W WO 2005073931 A2 WO2005073931 A2 WO 2005073931A2
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- WO
- WIPO (PCT)
- Prior art keywords
- transaction
- station
- transaction device
- idt
- mobile terminal
- Prior art date
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/201—Accessories of ATMs
Definitions
- the invention relates to transaction devices at least partially automated and more particularly to those where the transaction is completed by the delivery of a service.
- Various types of automatic teller machines are known, for example, which manage a transaction between a user provided with a credit card and a banking network and which ends in the issuance as a service of a sum of money.
- the object of the invention is to reduce the time spent by a user in front of the aforementioned devices for obtaining of a service by proposing a transaction device of a new type.
- systems comprising a station capable of carrying out a transaction, and equipment, suitable for establishing a wireless communication network, with one or more. mobile terminals, according to a connection protocol, as well as communication with said station.
- the device according to the invention starts from such a system used to carry out a transaction and further provides that the equipment is arranged with a perimeter chosen to cover a determined area, adjacent to said station, while the connection protocol is arranged to allow the initial exchange of identity information transmitted by a mobile terminal present in this zone against a unique temporary code, such exchange being followed by the launching of a background function allowing the preparation of at least part of a transaction on the basis of said identity information, and that the station is capable, on presentation of the unique temporary code, of recovering then completing if necessary and of validating the transaction.
- the device according to the invention makes it possible to process part of the transaction without the physical presence of the user in front of the station, also reducing the time spent by the user in front of the station. Only the presence of the user in the chosen perimeter is required to • initiate the preparation of the transaction.
- FIGS. 1A, IB and IC are diagrams illustrating the device according to the invention in a first embodiment
- FIG. 2 is a flow diagram illustrating the operation of the device of FIG. 1 according to a first method of use
- FIG. 3 is a flow diagram illustrating the operation of the device of FIG. 1 according to an advantageous method of use
- FIG. 4 is a diagram illustrating the device according to the invention in a second embodiment
- FIG. 5 is a flowchart illustrating the operation of the device of Figure 4 according to an advantageous method of use.
- FIGS 1A, IB and IC schematically illustrate the device according to the invention in a first embodiment.
- the device according to the invention incorporates an automatic cash dispenser 2, which conventionally comprises a card reader 4 capable of reading information contained in the chip of an access card 6, in particular a known CCA confidential access code of the owner and an IDB bank identifier designating a bank account.
- the ATM 2 includes a computer 8 capable of implementing an operating system not shown, which is arranged to interact with the various elements contained in the automatic cash dispenser 2.
- the computer 8 is arranged to react to the introduction of the access card 6 into the card reader 4 by executing a transaction program 12.
- the transaction program 12 launches a validation function 14, which determines the validity of the card access 6 from the information contained in the chip and transmitted by the card reader 4.
- the transaction program 12 calls a verification function 16, which compares the code access confidential CCA contained in the chip of the access card 6 with a code entered CS by the user by means of an access terminal 18 integrated into the automatic cash dispenser 2 and capable of interacting with the computer 8.
- the transaction program 12 calls an information function 20, which interacts with the access terminal 18 to request and then learn from the user the mon so much MT of a sum of money to be delivered.
- the transaction program 12 then launches an authorization function 22, which transmits an RDT transaction request to a remote authorization server 24 connected to the automatic cash dispenser 2 according to means known to those skilled in the art.
- the transaction request consists of the bank identifier IDB, contained in the chip of the access card 6 and obtained by the card reader 4, and the amount to be delivered MT.
- the RDT transaction request is authorized by the remote authorization server 24 if the credit of the bank account designated by the bank identifier IDB is sufficient taking into account the amount to be delivered MT. If the RDT transaction request is authorized by the remote authorization server 24, the transaction program 12 calls a delivery function 26, which interacts with a deliveryman of tickets 28, to provide the amount to be delivered MT.
- the flow diagram of FIG. 2 summarizes the different operations carried out by the functions of the transaction program 12.
- the computer 8 launches the transaction program 12 upon insertion of the access card 6 then , during operation 202, the validation function 14 tests the validity of the access card 6 as a function of the information contained in the chip. If the access card 6 is not or no longer valid, a cancellation function not shown in FIG. 1B terminates the transaction program 12 and cooperates with the card reader 4 to restore the access card 6, upon operation 204.
- the verification function evaluates whether the code entered CS by the user is identical to the confidential access code CCA read on the card d 'access 6. Otherwise, the operation 204 to cancel the transaction and return the card is launched.
- the information function 20 requests and learns the amount to be delivered MT during the operation 208, then the authorization function 22 sends the request to the remote authorization server 24 transaction RDT transaction 210. If the RDT transaction request is accepted (operation 212), the issuing function 26, in operation 214, issues the tickets. Otherwise, in operation 204, the cancellation function is called, which terminates the transaction program 12, as described above.
- the flow diagram of FIG. 2 shows that the automatic cash dispenser 2 is monopolized by the user during the entire duration of operations 200 to 214 while the physical presence of the user is absolutely required only during the operation 214, that is, when the tickets are issued.
- the occupation time of the car distributor has- ticket ticking is therefore much longer than the time actually required to issue tickets.
- the time required to process the transactions of all the users is particularly important compared to the time actually required to issue the tickets.
- Operation 214 can be designated as a transaction and operations 200 to 212 as preparing the transaction.
- the device according to the invention aims to allow execution of the preparation of the transaction without the physical presence of the user in front of the automatic cash dispenser 2.
- the automatic cash dispenser 2 is connected to a terminal 32 for short range radio communication via a known wired link.
- Terminal 32 is capable of establishing communication in the form of radio waves with a mobile terminal 34 located within a perimeter 36, which is defined at least in part by terminal 32 and possibly using several other similar terminals not shown.
- the terminal 32 conforms to WiFi and / or Bluetooth communication standards and the mobile terminal 34 is a mobile phone of the GPRS or GSM type, furthermore having a short-range communication device 33 adapted to the terminal 32, for example.
- a short-range communication device 33 adapted to the terminal 32, for example.
- the mobile terminal 34 can also be an electronic personal assistant (commonly known as a PDA) integrating a communication module with the Bluetooth or WiFi standard. In both cases, other communication standards can be used.
- the communication device 33 can take the form of a module operating according to NFC technology (short-range wireless communication technology).
- terminal 32 can be provided to operate according to any other short-range wireless communication standard, in particular radio.
- the mobile terminal 34 can also take the form of any communication device conforming to a cellular network mobile communication technology.
- the ATM 2 also includes a virtual machine program 36 as well as a money management program 38, both executed by the computer 8.
- the virtual machine program is capable of interacting with terminal 32 at means of a request transmission function 40 and a request reception function 42 for transmitting and receiving requests with the mobile terminal 34.
- the mobile terminal 34 conventionally comprises storage and calculation means, not shown, arranged to respectively store and execute a program 44, which may be subject to a bank subscription, capable of interacting with the short-range radio communication device. 33.
- the storage means may also contain an IDS service identifier capable of uniquely identifying the mobile terminal 34 and the bank details of its owner.
- the mobile terminal 34 When the mobile terminal 34 is inside the perimeter 36, it can establish communication between the mobile terminal 34 and the terminal 32 associated with the automatic cash dispenser 2 according to a method known to those skilled in the art (operation 300). Communication between the terminal mobile 34 and terminal 32 can be initiated spontaneously by mutual recognition of mobile terminal 34 and terminal 32 or else result from a voluntary act, for example by means of a request issued by the user of the mobile terminal 34.
- the communication between the mobile terminal 34 and the automatic cash dispenser 2 supports an initiation request RI sent by the virtual automatic program 36 by means of the request emission function 40 and created by an initiation function 43 to l operation 302.
- the initiation request RI comprises a transaction identifier IDT generated during the transmission.
- the program 44 processes the initiation request RI by returning the value of the service identifier IDS to operation 304.
- the virtual machine program 36 calls a remote validation function 50, which determines the validity of the IDS service identifier during operation 306. If the IDS service identifier is considered valid, the virtual controller program 36 is on standby.
- the bank subscription program 44 further comprises an activation function 52 capable of transmitting, during operation 308, a remote transaction request RTD towards the automatic teller machine 2 indicating the amount of the sum of money to issue MT as well as the value of a personal confidential code CCP, which is associated with the service identifier IDS.
- the personal confidential code CCP is recorded in a memory of the mobile terminal 34, with which the activation function 52 is capable of interacting to read and then transmit the value of said code.
- the confidential personal code CCP is known to the user, who enters said code via a numeric keypad not shown to allow its transmission by the activation function 52.
- the remote transaction request RTD does not contain the value of the personal confidential code CCP but an equivalent code whose emission is conditioned by the verification of a security criterion linked to the service: for example, the verification of a fingerprint of the user before the transmission of the RTD remote transaction request by means of a device known to those skilled in the art.
- the activation function 52 transmits a remote transaction request RTD comprising a predetermined amount MT on a single press of a key on the mobile terminal.
- different keys are associated with the transmission of remote transaction requests RTD indicating different predetermined amounts MT.
- the virtual machine 36 on receipt of the remote transaction request RTD, the virtual machine 36 interacts with the verification function 16, which verifies the correspondence between the service identifier IDS and the personal confidential code CCP. If the personal confidential code
- the virtual controller program 36 continues to process the remote transaction request RTD by calling a remote authorization function 54, similar to the authorization function 22 described above, which issues an RDT transaction request to the remote authorization server 24 comprising inter alia the service identifier
- the virtual PLC program 36 transmits, upon receipt of the remote transaction request RTD, the transaction request RDT to the remote authorization server 24 without checking the concordance between the personal confidential code CCP and the service identifier IDS.
- the RDT transaction request further comprises the value of the personal confidential code CCP and of the service identifier IDS.
- the remote authorization server 24 is arranged to check the concordance between the personal confidential code CCP and the service identifier IDS, and to validate the transaction request RDT if so.
- the mobile terminal 34 further comprises a verification function, similar to the verification function 16, executed in a memory of the mobile terminal 34 and which checks the concordance between the personal confidential code CCP and the identifier IDS service. If so, the activation function 52 sends the remote transaction request RTD, which does not include in this configuration the value of the personal confidential code CCP.
- no confidential personal code CCP is associated with the service identifier IDS, so that the identity of the user of the mobile terminal 34 cannot be verified by one of the means described above.
- the identification capacity specific to the mobile terminal can be used, for example the SIMM card.
- the virtual controller program 36 responds to the remote transaction request RTD by means of the function remote authorization 54, which associates with the transaction identifier IDT the value "validated” (operation 314).
- the computer 8 of the automatic cash dispenser 2 is further arranged to execute a monitor program 55, which comprises a computer table (not shown) associating with each IDT transaction identifier a state indicator IDE which can take one of the values " validated "or” not validated "and a TMR time counter capable of counting the time elapsed since the validation of the transaction.
- the monitor 55 associates with the transaction status indicator the value "not validated".
- the virtual machine program 36 is arranged to respond to the presentation, according to a method described below, of the transaction identifier IDT by calling a resume function 53 (operation 316), which is capable of interrogating the monitor program 55 to verify the existence of the IDT transaction identifier in the table mentioned above.
- the virtual automaton program is arranged to interact with the terminal 18, which is used by the user to enter the transaction identifier IDT.
- the virtual automaton program 36 interacts with the reception function 42, which receives the value of the transaction identifier IDT from the mobile terminal 34 via the terminal 32.
- the identifier of IDT transaction was brought to the attention of the user, for example by means of a display member of the mobile terminal 34 not shown, then entered by the user and issued by the program 44.
- the IDT transaction ID is stored in a memory of the mobile terminal 34 and transmitted by the program 44 on an action by the user.
- the virtual automaton program 36 comprises means for reading the value of the transaction identifier IDT contained in a memory of the mobile terminal 34. This configuration is preferred in the case where the remote transaction request RTD was issued at the press of a single key from the mobile terminal 34 10 with a predetermined amount MT.
- the transaction identifier IDT includes information designating one of the keys present on the automatic teller machine.
- the program 44 is capable of causing this information to be displayed on the screen of the mobile terminal 34.
- the virtual machine program 36 maintains a correspondence between the information designating the key and the transaction identifier IDT, so that when the designated key is
- the virtual machine program 36 retrieves the transaction identifier IDT so as to complete the transaction. This latter configuration offers both good speed of execution of the transaction and good discretion since the mobile terminal 34 can be kept
- the management program for tickets 38 interacts, in one configuration, with the delivery person
- the virtual machine program 36 calls a comparison function 60, which compares the value of the transaction identifier IDT present in the table with the value of the transaction identifier IDT read in the memory of the mobile terminal 34. The issuance of tickets only takes place if there is a concordance of the two values.
- the radio communications between the terminal 32 and the mobile terminal 34 are encrypted according to a method known to those skilled in the art.
- the flow diagram of FIG. 3 shows that the physical presence of the user is only necessary for operations 316 and 318. Only the presence of the user in a close perimeter is required during the initiation of the preparation of the transaction.
- the time occupied by the automatic cash dispenser 2 by a user is reduced. This has two advantages. On the one hand, since the time spent in front of the automatic ticket machine 2 is reduced, the risk of attack, for example of theft of the access card 6 or of the tickets, is reduced. On the other hand, the ATM 2 can process more users in a given time.
- the automatic cash dispenser 2 described above can be simplified.
- the automatic cash dispenser 2 only includes the virtual automatic program 36 with all the functions described above, as well as the monitor 55, the ticket manager 38 and the ticket deliverer 28.
- the transaction program 12, the reader 4 and the terminal 18 do not exist, which considerably reduces the size of the automatic cash dispenser 2 and its complexity.
- the verification of the concordance between the personal confidential code CCP and the IDS service identifier is carried out by the remote server 24 by means of a request in a manner similar to that which has been described above, and the presentation of the IDT transaction identifier is carried out by the mobile terminal 34.
- the verification of the concordance between the confidential personal code CCP and the IDS service identifier can be carried out by a function integrated into the program virtual machine 36. It is thus possible to do without in particular the verification function 16 and the terminal 18. It is then particularly advantageous to provide in the cash dispenser a device capable of interacting with the cashier 28 to prepare the amount MT to be delivered as soon as the transaction is validated by the remote server 24, which makes it possible to reduce the time of physical presence of the user by the same amount reader in front of the ATM 2.
- the physical presence of a credit card at the ATM 2 may be deemed essential.
- the invention makes it possible to limit the interaction of the user with the distributor 2 to the introduction of the credit card therein.
- the characteristics of the credit card have already been checked during the preparation of the transaction. If necessary, the identity of the credit card holder can be verified by entering a confidential code (PIN code); this verification may also have been made beforehand, for example by presenting the confidential code in advance via the mobile terminal 34 secured accordingly.
- the confidential code in question can be dialed on the keyboard of the mobile terminal 34, or stored and sent on the order of the user defined by an action or a combination of actions, for example pressing a key on the mobile terminal 34.
- all or part characteristics of the credit card can be stored in the mobile terminal 34.
- the device according to the invention is implemented in a store and comprises a cash register terminal 70, which integrates a computer executing a solvency program 64.
- the cash register terminal 70 is connected, as described above, to terminal 32 capable of reacting to the presence of the mobile terminal 34 inside the perimeter 36 defined at least in part by terminal 32, as described above, by establishing a communication (operation 500) between the mobile terminal 34 and the cash register terminal 70.
- the discovery of the mobile terminal 34 may occur, in one embodiment, implicitly on the initiative of the terminal 32.
- the mobile terminal 34 includes a discovery function not shown capable of signaling the mobile terminal 34 to terminal 32 explicitly.
- the solvency program calls the initiation function 43, which issues the initiation request RI allowing the exchange of the service identifier IDS against the transaction identifier IDT, according to the process described above (operations 502 and 504).
- the credit check program 64 determines the validity of the service identifier IDS by means of the remote validation function 50 (operation 506).
- the solvency program 64 waits for the reception of a solvency request RS sent by the activation function 52 of the mobile terminal 34 and containing on the one hand, the amount MT of an authorization to be issued and on the other hand , the CCP personal confidential code (operation 508).
- the personal confidential code CCP can be stored in the mobile terminal 34 or even entered by the user.
- the response to the RI initiation request may occur after validation of a function by the user or be transparent to the latter.
- the solvency program 64 On receipt of the RS solvency request, the solvency program 64 interacts with communication means - connecting the cash register terminal 70 to the remote authorization server 24 to issue a RS solvency request containing the amount MT, the identifier IDS service code and CCP personal confidential code (operation 510).
- the solvency program 34 comprises a computer table TS, not shown, associating the service identifier IDS with an authorized amount MTA.
- the solvency program 64 then reacts to the solvency request RS by interrogating the computer table TS: if the amount MT contained in the solvency request RS is less than the authorized amount MTA, the transaction is authorized without calling on the remote authorization server 24. Otherwise, the solvency program 64 sends a RS solvency request to the remote server 24 according to the method described above.
- the response (operation 512) to the RS credit request is positive and the credit program 64 calls the remote authorization function 54, which associates the value " validated "to the IDT transaction identifier, during operation 514.
- the computer 62 executes the billing program 66, which begins by establishing the amount of the purchases.
- the billing program 66 responds to input the transaction identifier IDT by 'user by querying the monitor program 55 according to the process described above.
- the state identifier associated with the IDT transaction identifier is set to "validated", and the calculated amount of purchases is less than the MT amount, the user can leave with his purchases while a banking transaction classic will debit the account identified by the IDS service identifier.
- the payment is made in a conventional manner.
- the user can, while making his purchases, have the solvency request prepared for the estimated amount of his purchases. Individual- It also saves time when it goes to the checkout. Overall, the use of the device according to the invention by a greater number of customers reduces the waiting time of each customer at the checkout. The device according to the invention thus makes the solvency checks easier.
- the perimeter 36 defines an area in which the preparation of the transaction is possible.
- the perimeter 36 can be adapted, by means of a device known to those skilled in the art, by reducing the range of the terminal 32 or of all the terminals used for the definition of the area. Therefore, it is possible to adapt the perimeter 36 (that is to say the range of the terminal) and the location of the terminal 32 so as to cover the desired area.
- the perimeter 36 that is to say the range of the terminal
- the monitor program 55 may include options making it possible to associate the "non-validated" value of the transaction identifier in the following cases: - exit from the mobile terminal 34 of the perimeter 36 without validation of the transaction, - exit from the mobile terminal 34 from the perimeter 36 for a predetermined time, - cancellation message sent from the mobile terminal 34.
- the mobile terminal 34 interacts with a command program executed in the memory of a cash register, or of a cash network, to establish the command of the user in exchange for a transaction identifier IDT.
- the order will be delivered to the user upon arrival at the cash desk upon presentation of the transaction identifier.
- the invention can also be applied in a cinema.
- the user approaching the cinema issues a request towards a reservation program recorded and executed in a memory of a cash register or a cinema cash network specifying the session against an IDT transaction identifier.
- the ticket is issued to the user.
- the invention can also be integrated into an access control device, part of the checks linked, for example, to identity, can be pre-processed. Once the verifications have been completed, a simple code is brought to the attention of the user of the mobile terminal. The presentation of this code to a control post validates the access.
- a mobile terminal such as a telephone or equivalent
- a transaction thus prepared is used so as to simplify and fluidify as much as possible, and to the extent of the desired security, the terminal exchanges between the customer and the merchant, whether it is the bank in the case of an automatic teller machine or a traditional merchant in the case of a case; and
- the present application shows the advantage of using a mobile terminal such as a telephone, in the context of such transaction preparation.
- mobile terminal is not limited to a mobile phone or a PDA type personal assistant and extends to any information medium having short-range communication capacities.
- the arrangements taught according to the invention are, for their computer part, essentially placed at the level of the assembly constituted by wireless equipment and the transaction station.
- the present invention can be seen directly, in a case where it is sought to transfer said arrangements at a remote server responsible for all or part of the tasks of "preprocessing", or preparation of the transaction.
- the initial contact made using the mobile terminal may consist of the conventional telephone call from the processing center in question. This one then loads, using the telephone link, if necessary the identification characteristics permitted by mobile telephony, and one or more personal identification codes, to carry out the parts of the pre-processing which include a personal identification, the definition of bank details , and possibly that of an amount of credit.
- the server can then transmit the preprocessing information, or the part which has been provided by this server, to the equipment associated with the transaction station, or even the transaction station itself.
- the identification of the transaction station (or of the system of which it is a part) during the initial communication can then be ensured by an appropriate code, or even by the telephone number to be dialed.
- this information can even be transmitted by visual, auditory, or any other means.
- the essential element of the invention is then the use at the station level of a transaction at least partially prepared in advance, on the same bases as described above. From such a point of view, it is possible to ensure the preparation of the transaction by many different means, linked or not to a mobile terminal.
- the preprocessing can be implemented in different applications, in cases where a service has only a limited physical reception capacity to satisfy the user or the client (who is then on hold).
- ticketing applications bus, train, cinema, etc.
- administrative services pre-processing of the file, or verification of information concerning the holder of an electronic passport or the passport itself, which is for example equipped with a radio frequency label (also called RFID label), service stations (billing).
- RFID label also called RFID label
- Automatic film distributors can also take advantage of the pretreatment system according to the invention. Indeed, users often spend a relatively long time making the selection of the desired film: the initially desired film may be unavailable, the consultation of information on the film (jacket, summary, main actors) and / or the course of the list of films offered takes time.
- the invention therefore makes it possible to avoid monopolizing the automatic film distributor for this selection phase and in fact having to set up additional selection terminals added to the automatic film distributor to cope with peak periods. .
- Users equipped with a mobile terminal and present in the area surrounding the automatic film distributor can make the selection using their mobile terminal, and even take advantage of the multimedia functionalities offered by modern mobile terminals, for example to view trailers. movies. Only the actual removal of the film requires physical access to the dispenser.
- the same mobile terminal can be used to initiate different transactions either with the same service delivery station (ATM, cash terminal, etc.) or with stations dedicated to different services.
- the definition of the perimeter associated with the terminal may involve location technology and / or satellite guidance, also known as GPS technology.
- the mobile terminal has GPS functionality, for example by means of a particular module. The presence of a user within a given perimeter can then be established thanks to information on the position of the user communicated by GPS. The user can also then receive information on the position of the terminal via the GPS module.
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Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2006548353A JP4711970B2 (ja) | 2004-01-15 | 2005-01-14 | 予期される事前処置を有するトランザクション・デバイス |
CA002552257A CA2552257A1 (fr) | 2004-01-15 | 2005-01-14 | Dispositif transactionnel a pre-traitement anticipe |
US10/585,973 US20080235132A1 (en) | 2004-01-15 | 2005-01-14 | Transactional Device With Anticipated Pretreatment |
EP05717421A EP1709598A2 (fr) | 2004-01-15 | 2005-01-14 | Dispositif transactionnel a pre-traitement anticipe |
NO20063679A NO20063679L (no) | 2004-01-15 | 2006-08-15 | Overforingsanordning med forbehandling |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR0400352A FR2865302B1 (fr) | 2004-01-15 | 2004-01-15 | Dispositif transactionnel a pre-traitement anticipe. |
FR0400352 | 2004-01-15 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2005073931A2 true WO2005073931A2 (fr) | 2005-08-11 |
WO2005073931A3 WO2005073931A3 (fr) | 2006-12-07 |
Family
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Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR2005/000088 WO2005073931A2 (fr) | 2004-01-15 | 2005-01-14 | Dispositif transactionnel a pre-traitement anticipe |
Country Status (7)
Country | Link |
---|---|
US (1) | US20080235132A1 (fr) |
EP (1) | EP1709598A2 (fr) |
JP (1) | JP4711970B2 (fr) |
CA (1) | CA2552257A1 (fr) |
FR (1) | FR2865302B1 (fr) |
NO (1) | NO20063679L (fr) |
WO (1) | WO2005073931A2 (fr) |
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EP2171659A2 (fr) * | 2007-06-25 | 2010-04-07 | Visa International Service Association | Système de paiement mobile sécurisé |
US9424413B2 (en) | 2010-02-24 | 2016-08-23 | Visa International Service Association | Integration of payment capability into secure elements of computers |
US9582801B2 (en) | 2009-05-15 | 2017-02-28 | Visa International Service Association | Secure communication of payment information to merchants using a verification token |
US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
US9792611B2 (en) | 2009-05-15 | 2017-10-17 | Visa International Service Association | Secure authentication system and method |
US9904919B2 (en) | 2009-05-15 | 2018-02-27 | Visa International Service Association | Verification of portable consumer devices |
US10009177B2 (en) | 2009-05-15 | 2018-06-26 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US10282724B2 (en) | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
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DE102005050605A1 (de) * | 2005-10-21 | 2007-05-24 | Wincor Nixdorf International Gmbh | System und Verfahren zum Auszahlen von Bargeld |
FR2931613B1 (fr) | 2008-05-22 | 2010-08-20 | Inst Nat Rech Inf Automat | Dispositif et procede de verification d'integrite d'objets physiques |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US8686829B2 (en) * | 2011-06-10 | 2014-04-01 | GM Global Technology Operations LLC | Lock code recovery system |
WO2013016868A1 (fr) * | 2011-08-03 | 2013-02-07 | Amazon Technologies, Inc. | Collecte de données de transaction associées à des fichiers de données enregistrés localement |
JP2013069223A (ja) * | 2011-09-26 | 2013-04-18 | Fujitsu Ltd | 生成プログラム、生成方法及び生成装置 |
US11436594B2 (en) * | 2013-02-04 | 2022-09-06 | Samsung Electronics Co., Ltd. | Apparatus and method for reverse authorization |
US11095735B2 (en) | 2019-08-06 | 2021-08-17 | Tealium Inc. | Configuration of event data communication in computer networks |
US11146656B2 (en) | 2019-12-20 | 2021-10-12 | Tealium Inc. | Feature activation control and data prefetching with network-connected mobile devices |
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- 2005-01-14 WO PCT/FR2005/000088 patent/WO2005073931A2/fr active Application Filing
- 2005-01-14 EP EP05717421A patent/EP1709598A2/fr not_active Withdrawn
- 2005-01-14 US US10/585,973 patent/US20080235132A1/en not_active Abandoned
- 2005-01-14 CA CA002552257A patent/CA2552257A1/fr not_active Abandoned
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Cited By (22)
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EP2171659A2 (fr) * | 2007-06-25 | 2010-04-07 | Visa International Service Association | Système de paiement mobile sécurisé |
EP2171659A4 (fr) * | 2007-06-25 | 2012-01-25 | Visa Int Service Ass | Système de paiement mobile sécurisé |
US8229852B2 (en) | 2007-06-25 | 2012-07-24 | Visa International Service Association | Secure mobile payment system |
US10726416B2 (en) | 2007-06-25 | 2020-07-28 | Visa International Service Association | Secure mobile payment system |
US10043178B2 (en) | 2007-06-25 | 2018-08-07 | Visa International Service Association | Secure mobile payment system |
US10997573B2 (en) | 2009-04-28 | 2021-05-04 | Visa International Service Association | Verification of portable consumer devices |
US10572864B2 (en) | 2009-04-28 | 2020-02-25 | Visa International Service Association | Verification of portable consumer devices |
US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
US10043186B2 (en) | 2009-05-15 | 2018-08-07 | Visa International Service Association | Secure authentication system and method |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US9904919B2 (en) | 2009-05-15 | 2018-02-27 | Visa International Service Association | Verification of portable consumer devices |
US9792611B2 (en) | 2009-05-15 | 2017-10-17 | Visa International Service Association | Secure authentication system and method |
US10049360B2 (en) | 2009-05-15 | 2018-08-14 | Visa International Service Association | Secure communication of payment information to merchants using a verification token |
US11574312B2 (en) | 2009-05-15 | 2023-02-07 | Visa International Service Association | Secure authentication system and method |
US10387871B2 (en) | 2009-05-15 | 2019-08-20 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US10009177B2 (en) | 2009-05-15 | 2018-06-26 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US9582801B2 (en) | 2009-05-15 | 2017-02-28 | Visa International Service Association | Secure communication of payment information to merchants using a verification token |
US10657528B2 (en) | 2010-02-24 | 2020-05-19 | Visa International Service Association | Integration of payment capability into secure elements of computers |
US9589268B2 (en) | 2010-02-24 | 2017-03-07 | Visa International Service Association | Integration of payment capability into secure elements of computers |
US9424413B2 (en) | 2010-02-24 | 2016-08-23 | Visa International Service Association | Integration of payment capability into secure elements of computers |
US10282724B2 (en) | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
US11995633B2 (en) | 2012-03-06 | 2024-05-28 | Visa International Service Association | Security system incorporating mobile device |
Also Published As
Publication number | Publication date |
---|---|
EP1709598A2 (fr) | 2006-10-11 |
US20080235132A1 (en) | 2008-09-25 |
CA2552257A1 (fr) | 2005-08-11 |
NO20063679L (no) | 2006-10-13 |
JP4711970B2 (ja) | 2011-06-29 |
FR2865302A1 (fr) | 2005-07-22 |
WO2005073931A3 (fr) | 2006-12-07 |
FR2865302B1 (fr) | 2006-04-14 |
JP2007518177A (ja) | 2007-07-05 |
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