WO2006122364A1 - Dispositif, systeme et procede de transaction - Google Patents

Dispositif, systeme et procede de transaction Download PDF

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Publication number
WO2006122364A1
WO2006122364A1 PCT/AU2006/000660 AU2006000660W WO2006122364A1 WO 2006122364 A1 WO2006122364 A1 WO 2006122364A1 AU 2006000660 W AU2006000660 W AU 2006000660W WO 2006122364 A1 WO2006122364 A1 WO 2006122364A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
account
identifier
message
server
Prior art date
Application number
PCT/AU2006/000660
Other languages
English (en)
Inventor
Thomas David Picton-Warlow
Original Assignee
Mobileglobal Pty Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from AU2005902514A external-priority patent/AU2005902514A0/en
Application filed by Mobileglobal Pty Ltd filed Critical Mobileglobal Pty Ltd
Publication of WO2006122364A1 publication Critical patent/WO2006122364A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/122—Online card verification
    • 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
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0815—Network architectures or network communication protocols for network security for authentication of entities providing single-sign-on or federations

Definitions

  • the present invention relates to a transaction device, system and method. It also relates to a purchasing system and method using the transaction device, system and method.
  • the device, system and method are particularly relevant to facilitating secure credit card transactions.
  • the present invention seeks to provide a transaction device, system and method that reduces or prevents the occurrence of such fraud to at least some extent.
  • Cellular radio telephones which enable communication using handheld cellular radio telephones are known. In addition to providing voice communication, these telephones include additional services such as Internet access, email, and text messaging.
  • An efficient way to enable users to access Internet services is through 'preloaded content' which enables users to link directly to Internet services.
  • This is the "RealPlayer" ® application that allows users to access music and video wherever they are in the world. Other applications allow users to buy concert and airline tickets for example.
  • a transaction device for use in an electronic transaction system, the electronic transaction system including a transaction message generating means for generating a transaction message for transmission to a transaction facilitator server, the transaction message comprising details of a transaction, and including an account identifier for an account for facilitating payment for the transaction, whereby the transaction facilitator server is operable to parse the received transaction message for the account identifier and to communicate with an account server holding details pertaining to the account identified by the account identifier, to determine whether the transaction can proceed, wherein the transaction device comprises:
  • a communications means having a transaction device storage means for storing a transaction device identifier therein, and processing means operable to generate a confirmation message for transmission to the account server, the confirmation message including the transaction device identifier, the communication means being operable to transmit the confirmation message to the account server to establish an online status for the account upon receipt of the confirmation message, whereby the transaction can only proceed in response to the establishment of the online status.
  • the communications means is operatively coupled to an account information storage means to transmit and receive signals there between, and is operable to generate and transmit the confirmation message in response to a signal from the account information storage means, the account information storage means being arranged to store the account identifier thereon.
  • the communications means is arranged for wireless coupling to the account information storage means for the transmission of signals there between.
  • the communications means is arranged to be connected to the account information storage means for the transmission of signals there between.
  • the account information storage means is arranged for reading by the transaction message generating means to read the account identifier therefrom for inclusion in the transaction message, and wherein the confirmation message is sent as the account information is read from the account information storage means.
  • the transaction device further comprises detection means for detecting when the account information storage means is read by the transaction message generating means, and notification means for notifying the communications means when the account information storage means is read, wherein when the detection means detects that the account information storage means is being read, the notification means notifies the communications means.
  • the communications means is operable to receive a transaction complete message from the transaction facilitator server when the transaction is complete.
  • the communications means is operable to receive a confirmation request message from the account server if the confirmation message is not received.
  • the communications means is operable to resend the confirmation message on receipt of the confirmation request message. - A -
  • the account information storage means comprises one or a combination of the following set: credit card, payment card, debit card, smart card, memory chip, and magnetic stripe.
  • the account identifier comprises a unique number.
  • the communications means comprises a mobile or handheld cellular radio telephone, in which case the transaction device identifier may be an International Mobile Equipment Identity (“IMEI”), a Mobile Equipment Identity (“MEI”), a Subscriber Identity Module (“SIM”), or a telephone number.
  • IMEI International Mobile Equipment Identity
  • MEI Mobile Equipment Identity
  • SIM Subscriber Identity Module
  • a financial server arrangement comprising an account server and a transaction facilitator server for use in an electronic transaction system, the electronic transaction system including a transaction message generating means for generating a transaction message for transmission to the transaction facilitator server, the transaction message comprising details of a transaction, and including an account identifier for an account for facilitating payment for the transaction, whereby the transaction facilitator server is operable to parse the received transaction message for the account identifier and to communicate the account identifier to the account server to determine whether the transaction can proceed, the financial server arrangement being arranged to receive a confirmation message from a transaction device, the confirmation message including a transaction device identifier unique to the transaction device and linked to an account identifier, whereby the account server is operable to:
  • the account server is operable to generate and transmit a transaction complete message to the transaction device when the transaction is complete.
  • the account server is operable to generate and transmit a confirmation request message to the transaction device if the confirmation message is not received.
  • an electronic transaction system including:
  • a transaction message generating means for generating a transaction message
  • the transaction message generating means being operable to transmit a transaction message to the transaction facilitator server, the transaction message comprising details of a transaction, and including an account identifier for an account for facilitating payment for the transaction, whereby the transaction facilitator server is operable to parse the received transaction message for the account identifier and to communicate with the account server holding details pertaining to the account identified by the account identifier, to determine whether the transaction can proceed, the electronic transaction system further including:
  • a transaction device comprising a communications means having a transaction device identifier storage means for storing a transaction device identifier therein;
  • the electronic transaction system further includes an account information storage means, wherein the communications means is operatively coupled to the account information storage means to transmit and receive signals there between, and is operable to generate and transmit the confirmation message in response to a signal from the account information storage means, the account information storage means being arranged to store the account identifier thereon.
  • the communications means is arranged for wireless coupling to the account information storage means for the transmission of signals there between.
  • the communications means is arranged to be connected to the account information storage means for the transmission of signals there between.
  • the account information storage means is arranged for reading by the transaction message generating means to read the account identifier there from for inclusion in the transaction message, and wherein the confirmation message is sent as the account information is read from the account information storage means.
  • the transaction device further comprises detection means for detecting when the account information storage means is read by the transaction message generating means, and notification means for notifying the communications means when the account information storage means is read, wherein when the detection means detects that the account information storage means is being read, the notification means notifies the communications means.
  • the communications means is operable to receive a transaction complete message from the transaction facilitator server when the transaction is complete.
  • the communications means is operable to receive a confirmation request message from the account server if the confirmation message is not received.
  • the communications means is operable to resend the confirmation message on receipt of the confirmation request message.
  • the account information storage means comprises one or a combination of the following set: credit card, payment card, debit card, smart card, memory chip, and magnetic stripe.
  • the account identifier comprises a unique number.
  • the communications means is a mobile or handheld cellular radio telephone, in which case the transaction device identifier may be an International Mobile Equipment Identity (“IMEI”), a Mobile Equipment Identity (“MEI”), a Subscriber Identity Module (“SIM”), or a telephone number.
  • IMEI International Mobile Equipment Identity
  • MEI Mobile Equipment Identity
  • SIM Subscriber Identity Module
  • the transaction device identifier unique to the transaction device is linked to the account identifier, whereby the account server is operable to:
  • a transaction method for conducting a transaction comprising:
  • account information for an account, the account information including an account identifier
  • reading the account identifier generating and transmitting a transaction message, the transaction message comprising details of a transaction, and including the account identifier, for facilitating payment for the transaction;
  • the method further comprises generating and transmitting a transaction complete message when the transaction is complete.
  • the method further comprises generating and transmitting a confirmation request message if the confirmation message is not received.
  • the method may further comprise receiving the confirmation request message and resending the confirmation message on receipt thereof.
  • the online status is established for a predetermined period of time.
  • a system for purchasing goods or services comprising a communication device having a first and a second memory, the first memory having an application preloaded thereon, and the second memory having an identifier stored therein for uniquely identifying th ⁇ communication device, the communication device being operable to communicate with a first server using the preloaded application to purchase goods or services, and to send details of the unique identifier to the first server when in communication therewith, the first server being operable to store details of the unique identifier received from the communication device.
  • the unique identifier is the International Mobile Equipment Identity (“IMEI").
  • IMEI International Mobile Equipment Identity
  • the unique identifier is a manufacturer's identifier.
  • the first server can then be operable to compare the unique identifier with data stored in a look up table, to thereby identify the manufacturer of the communication device.
  • the communication device is further operable to communicate with a second server, the second server being accessible by the manufacturer, and to send details of the unique identifier to the second server, along with a transaction identifier, the transaction identifier being unique to a transaction used by the preloaded application to purchase goods or services.
  • the second memory has a payment account identifier stored therein for identifying a payment account through which payment for the transactions may be facilitated, the communication device being operable to transmit the payment account identifier to the server to facilitate payment for the transaction.
  • the payment account number is a credit card number.
  • a method for purchasing goods and services using a communication device the communication device having a first memory and a second memory, the first memory having an application preloaded thereon, and the second memory having an identifier stored therein for uniquely identifying the communication device, the method comprising using the preloaded application to communicate with a server and to place a transaction therewith to purchase the goods or services, sending details of the unique identifier to the server when in communication therewith, and storing details of the unique identifier received from the communication device at the server.
  • the method further comprises comparing the unique identifier to details stored in a look up table to identify the manufacturer of the communication device.
  • the unique identifier may be the International Mobile Equipment Identity ("IMEI”), or any other suitable identifier.
  • IMEI International Mobile Equipment Identity
  • the method further comprises sending details of the unique identifier, as well as a transaction identifier, to a second server accessible by the manufacturer.
  • the method further comprises using a payment account identifier stored in the second memory to facilitate payment for the transaction.
  • the payment account identifier is a credit card number.
  • the present invention provides a number of advantages over systems and methods available to date. It enables manufacturers and providers of goods and services to share revenues from services. It allows them to obtain information about the popularity, or otherwise, of the services and goods that they provide, enabling them to tailor these more successfully.
  • the provision of a payment account identifier removes the need for users to carry with them a separate credit/debit card to pay for purchases made through this preloaded content.
  • Figure 1 is a schematic representation of an embodiment of a transaction system in accordance with an aspect of the present invention
  • Figure 2 is a schematic representation of the components of a transaction device of the transaction system of Figure 1 ;
  • Figure 3 is a front view of the transaction device of the transaction system of Figure 1 ;
  • Figure 4 is a schematic representation of an issuing computer of the transaction system of Figure 1 ;
  • Figure 5 is a front view of an alternative embodiment of the transaction device of the transaction system of Figure 1 ;
  • Figure 6 is a front view of another alternative embodiment of the transaction device of the transaction system of Figure 1 ;
  • Figure 7 is a front view of a further alternative embodiment of the transaction device of the transaction system of Figure 1 ;
  • Figure 8 is a schematic representation of a system using the transaction device of Figures 2 to 7;
  • Figure 9 is a schematic representation of alternative embodiment of the system of Figure 8.
  • FIG. 1 there is shown a first embodiment of a transaction system 10 in accordance with an aspect of the present invention.
  • the transaction system 10 comprises: o a transaction device 12;
  • o transaction means in the form of a POS system 14 for generating a transaction message for transmission to a transaction facilitator;
  • o transaction facilitators in the form of an acquiring bank 16 and an issuing bank 18.
  • the transaction device 12 comprises communications means in the form of a mobile or handheld cellular radio telephone 20, or other communications device, operatively coupled to account information storage means in the form of a credit card 21.
  • the POS system 14 is operated by a merchant, not shown, and allows bank customers to effect transfers of funds from their bank accounts and other financial transactions at a retail point of sale.
  • the acquiring bank 16 is a bank that has a relationship with the merchant and receives all credit card transactions from the merchant conducted via the POS system 14 and distributes these to the issuing bank 18.
  • the acquiring bank 16 holds an account for the merchant.
  • the issuing bank 18 issues credit cards to customers and records details of the accounts of its customers. Additionally, the issuing bank 18 funds the merchant's account when a charge is made to one of their customer's credit cards, and later bills the customer for that charge.
  • the transaction device 12 illustrated in Figures 2 and 3 of the drawings, is owned and operated by an owner, not shown, and as stated previously comprises the telephone 20 and the credit card 21.
  • the telephone 20 comprises a body 22 housing a microprocessor 24 and other processing circuitry, not shown, a memory 26 comprising a read only memory (“ROM”) 28, a random access memory (“RAM”) 30 and a flash memory 32, an antenna 34, a display 36, a keyboard 38, a microphone 40, a speaker 42, and a power supply, not shown. Additionally, the telephone 20 has an operating system, not shown, for executing application software stored in the memory 26. Application software may be used to operate various features of the telephone 20.
  • the body 22, or handset, of the telephone 20 is of small size.
  • a small handset size provides a commercial advantage in cases where the credit card 21 is physically attached to the telephone 20, as most customers do not like large, bulky mobile devices. Smaller card sizes allow smaller handsets to be used.
  • a transaction program facilitating the transaction features of the telephone 20, is stored in the ROM 28 of the memory 26, and is preloaded onto the ROM 28 during manufacture by a manufacturer, not shown.
  • the transaction program may be downloaded or otherwise saved to the memory 26 after manufacture.
  • the communications means is not limited to being a telephone, and may be any communications device capable of sending and optionally receiving messages via a communications network, including any mobile communications device, such as a Personal Digital Assistant ("PDA").
  • PDA Personal Digital Assistant
  • the ROM 28 stores identification numbers unique to the telephone 20, including a subscriber identity module (“SIM”), device number, and specifically the International Mobile Equipment Identity (“IMEI").
  • SIM subscriber identity module
  • IMEI International Mobile Equipment Identity
  • the IMEI of the telephone 20 serves as a transaction device identifier to identify the transaction device 12.
  • the ROM 28 stores future identifiers such as the Mobile Equipment Identity (“MEI”) that is proposed to be similar to the IMEI except that it uses hexadecimal digits.
  • MEI Mobile Equipment Identity
  • the IMEI is a number unique to the telephone 20, which is allocated to the telephone 20 at the point of manufacture.
  • the IMEI is a 15 digit number, which includes digits referring to the Type Allocation Code ("TAC”) - which can be used to identify the type of telephone, and where it has been approved for use - and a serial number ("SRN”) allocated by the manufacturer, as well as a check digit. With the IMEI, it is therefore possible to identify the manufacturer of the telephone 20.
  • TAC Type Allocation Code
  • SRN serial number
  • the telephone 20 is used within a communications network 42.
  • the communications network 42 is owned and/or operated by a carrier, not shown.
  • the communications network 42 facilitates communication between parties connected thereto, in a way that is well known to persons skilled in the art and, as such, need not be described in any further detail herein, except as is relevant to the present invention.
  • the communications network 42 includes all features of known cellular radio telephone networks - including a number of base stations, not shown and a network service centre or mobile switching centre, not shown.
  • the mobile switching centre routes communications to the appropriate destination.
  • the communications network 42 comprises a number of "cells", not shown - each cell being served by a base station.
  • Mobile stations such as the telephone 20, can roam within the communications network 42, and are in communication with the base station serving the cell in which they are located - provided that they are either in an active mode or a standby or "listening" mode.
  • the mobile stations are able to send and receive signals to and from the base stations to transmit data - such as audio, control and text data - to the mobile switching centre, and from there to it's intended recipient, such as other mobile stations, or servers such as Internet servers.
  • the communications network 42 is a Global System for Mobile Communication ("GSM”) network.
  • GSM Global System for Mobile Communication
  • the communications network 42 is not limited to being a GSM network, and alternative embodiments of the invention may use other communications protocols.
  • the carrier provides a Short Message Service (“SMS”) on the communications network 42, and, in this regard, the mobile switching centre includes a short message service centre (“SMSC”), not shown, that is operable to manage the SMS functions of the communications network 42.
  • SMSC receives SMS messages from a variety of sources, identifies the sender, the content and the recipient for the message, and delivers it to that recipient.
  • a subscriber or user of the communications network 42 can send or receive text messages using the SMS provided on the communications network 42, for example using a mobile station such as the telephone 20, or using a computer such as an issuing computer 44 of the issuing bank 18 coupled to an SMS gateway via the Internet, or any other suitable means.
  • the credit card 21 is retained within a sliding carriage 46 provided in the body 22 of the telephone 20, and comprises account information and an account identifier.
  • the carriage 46, and the credit card 21 are moveable from a first position in which the credit card 21 is completely contained within the body 22, to a second position in which a readable portion of the credit card 21 extends from the body 22 to facilitate reading thereof by a POS system in a conventional manner.
  • the credit card 21 contains information pertinent to an account of the owner of the transaction device 12, facilitated by the issuing bank 18. This information comprises such information as the name of the owner, the expiry date of the credit card 21 , and a unique sixteen-digit account identification number (typically referred to as a Primary Account Number ("PAN”)), and is recorded on a first side of the readable portion of the credit card 21 in a magnetic stripe.
  • PAN Primary Account Number
  • the information is held on what is conventionally termed Track 1 , 2, and 3 of the magnetic stripe.
  • This information can be additionally embossed onto a second side of the readable portion, opposite to the first side thereof.
  • the credit card 21 is operatively coupled to the telephone 20 via the carriage 46, so that when the carriage 46 is manipulated so that it and the credit card 21 are in the second position, with the readable portion of the credit card 21 extended from the body 22, the carriage 46 makes an electrical connection with the processing circuitry of the telephone 20, signalling to the telephone 20 that a confirmation message is to be generated and transmitted.
  • the confirmation message serves to confirm with the issuing computer 44 of the issuing bank 18 that the transaction that is being made by use of the credit card 21 is legitimate and approved by the owner, as will be described in further detail below.
  • the credit card 21 is the same as a conventional credit card, and interacts with POS systems in a conventional manner, well known to persons skilled in the art.
  • the credit card 21 may be reactive and provided with detection means operable to detect when the magnetic stripe thereof is swiped through, or otherwise read by, a POS system, and notification means operable to communicate notification of such reading to the telephone 20.
  • detection means operable to detect when the magnetic stripe thereof is swiped through, or otherwise read by, a POS system
  • notification means operable to communicate notification of such reading to the telephone 20.
  • the telephone 20 will be operable to produce and send the confirmation message on receipt of such communication.
  • the information may be recorded onto the credit card by any suitable means, such as via a chip and personal identification number (“PIN") configuration.
  • the account identification means may comprise any means by which an account may be identified, including other forms of payment cards, debit cards, or smart cards.
  • the account identification may alternatively be embedded in the memory 26 of the telephone 20, in which case the telephone 20 may be provided with an appropriate wireless transmission functionality to enable the account identification to be transmitted to a POS system having wireless reading capability.
  • the POS system 14 comprises a conventional credit card reader, not shown.
  • the POS system 14 is in communication with the acquiring bank 16 via the communications network 42.
  • the acquiring bank 16 is similarly in communication with the issuing computer 44 of the issuing bank 18 via the communications network.
  • the issuing computer 44 is also in communication with the telephone 20 via the communications network 42.
  • the issuing computer 44 of the issuing bank 18 comprises an issuing server cluster comprising a transaction facilitator server 48 and an account server 50.
  • the transaction facilitator server 48 has facilitator memory, not shown, for storing a facilitator program, and a facilitator operating system for executing application software stored in the facilitator memory, such as the facilitator program. Additionally, the transaction facilitator server 48 comprises a processor coupled to the facilitator memory. The facilitator program is operable to enable the transaction facilitator server 48 to perform various functions, described in further detail below.
  • the account server 50 has account memory, not shown, for storing an account database 52 and an account program operable to enable the account server 50 to perform various functions as will be described.
  • the account server 50 additionally comprises an account operating system for executing application software stored in the account memory, such as the account program, along with a processor coupled to the account memory.
  • the account database 52 has a plurality of records 54.
  • Each record 54 comprises a set of account information relating to an account facilitated by the issuing bank 18 via the issuing computer 44, including:
  • an identifier for communicating with the device linked to the account e.g. a telephone number, email address, etc;
  • Any suitable database structure can be used, providing it enables the appropriate storage and query of the stored data.
  • the account owner is able to select whether owner authorisation monitoring is enabled or disabled for the account, thereby providing the account owner with optional levels of transaction security.
  • the credit card linked to the account may also be provided with a PIN, for an additional level of security. In such a case, the PIN is also recorded in the set of account information.
  • One of the records 54 is for the owner of the transaction device 12, and hereafter shall be referred to as the owner record 56.
  • the owner record 56 contains the relevant details for the owner and the transaction device 12.
  • the transaction device 12 is issued to the owner by the issuing bank 18 on creation of the owners account, and the necessary details are entered into the owner record 56 at that time.
  • the owner record 56 is used by the issuing bank 18 to facilitate transactions in respect of the owners account.
  • the issuing bank 18 may send the telephone 20 and the credit card 21 by mail to a customer once their account is created, rather then giving them to the customer directly. In such a case, the customer then inserts the credit card 21 into an appropriate opening in the telephone 20 to couple it thereto and form the complete transaction device 12. Once coupled, the customer operates the telephone 20 to send an activation message to the issuing computer 44 via the communications network 42 to confirm the transaction device 12 is complete, and the account is to be activated. On receipt of the activation message, the issuing computer 44 activates the account.
  • the owner manipulates the carriage 46 of the transaction device 12 to slide it and the credit card 21 to the second position in which the readable portion of the credit card 21 is extended from the body 22.
  • the readable portion of the credit card 21 is then swiped through the credit card reader so that the magnetic stripe thereof, and the information stored thereon, is read by the credit card reader.
  • the read information is then inserted into a transaction message generated by the POS 14.
  • the transaction message comprises details of the transaction including an identifier for the merchant and the details of the goods supplied including their total cost.
  • the transaction message including the read account identifier information - namely the name of the owner, the expiry date of the credit card 21 , and the unique sixteen-digit account identification number or PAN, is then communicated to the acquiring bank 16 via the communications network 42.
  • the acquiring bank 16 On receipt of the transaction message, the acquiring bank 16 passes the transaction message on to the issuing computer 44 of the issuing bank 18.
  • the carriage 46 when the carriage 46 is manipulated so that it and the credit card 21 are in the second position, the carriage 46 makes an electrical connection with the processing circuitry of the telephone 20, signalling to the telephone 20 that a confirmation message is to be generated and transmitted.
  • the transaction program On establishment of the electrical connection, the transaction program is operable to gather the IMEI from the ROM 28.
  • the means by which this is done will depend upon the operating system being used by the telephone 20. For example, if the Symbian ® operating system is being used, this can be done using the following:
  • the transaction program Once the transaction program has retrieved the IMEI, it is inserted into the confirmation message and sent to the issuing computer 44 via a secure connection on the communications network 42.
  • a "hard coded" manufacturer identifier can also be used if required to identify the manufacturer of the telephone 20.
  • the transaction facilitator server 48 On receipt of the transaction message by the issuing computer 44, the transaction facilitator server 48 thereof parses the received transaction message for the account identifier information contained therein and communicates with the account server 50 to determine whether the transaction can proceed.
  • the account server 50 then operates to look up the owner record 56 in the account database 52, identified by the account identifier information, and validate that the transaction is allowed to proceed.
  • a conventional validation technique is used by the account server 50 to check the account balance and confirm the transaction is allowed to proceed.
  • Such conventional validation techniques are well known to persons skilled in the art, and need not be described in further detail herein.
  • the account server 50 If the transaction is validated as being allowed to proceed, the account server 50 notifies the transaction facilitator server 48 accordingly and records the details of the transaction in the account database 52, and the issuing computer 44 produces and sends an acceptance message to the acquiring bank 16 via the communications network.
  • the acceptance message comprises a notification that the transaction is to proceed.
  • the acquiring bank 16 then forwards the acceptance message to the POS system 14.
  • the account server 50 On receipt of the acceptance message, the account server 50 notifies the transaction facilitator server 48 of the same and a rejection message is generated by the issuing computer 44 and transmitted to the acquiring bank 16 via the communications network.
  • the rejection message comprises a notification that the transaction is not to proceed.
  • the acquiring bank 16 then forwards the rejection message to the POS system 14. On receipt of the rejection message, the POS system 14 cancels the transaction. ,
  • the issuing computer 44 waits to receive the confirmation message from the telephone 20.
  • the account server 50 On receipt of the confirmation message by the issuing computer 44, the account server 50 thereof parses the received confirmation message for the IMEI contained therein, i.e. the transaction device identifier. The account server 50 then compares the IMEI contained in the transaction message with the IMEI stored in the owner record 56 identified by the account identifier information. If these are identical, then this activates an 'online' status for the card, and, if the transaction has also been validated, then the account server 50 generates and transmits a 'transaction proceed' message to the transaction facilitator server 48, and records the details of the transaction in the account database 52. On receipt of the transaction proceed message by the transaction facilitator server 48, the issuing computer 44 produces and sends an acceptance message as described previously.
  • the issuing computer 44 In the event that the issuing computer 44 does not receive the confirmation message within a prescribed time period, the issuing computer 44 is operable to produce and send a confirmation request message to the telephone 20, comprising the details of the transaction and requesting confirmation that the transaction is authorised by the owner. Once received by the telephone 20, the confirmation request message is shown on the display 36. The owner may then operate the telephone 20 to send an authorisation message to the issuing computer 44 in response to the confirmation request message, comprising the IMEI and a notification that the transaction is legitimate.
  • the owner may take action to inform the issuing bank 18 of the same, and cancel the transaction.
  • the transaction program may resend the confirmation message in response to receipt of the confirmation request message.
  • the account server 50 parses the received authorisation message or resent confirmation message for the IMEI contained therein. The account server 50 then compares the received IMEI with the IMEI stored in the owner record 56 identified by the account identifier information. If these are identical, and the transaction has been validated, then the account server 50 generates and transmits a transaction proceed message to the transaction facilitator server 48, and records the details of the transaction in the account database 52. On receipt of the transaction proceed message by the transaction facilitator server 48, the issuing computer 44 produces and sends an acceptance message as described previously.
  • a further advantage of the invention is that from the information recorded in the accounts database 52, namely the identity of the carrier and the IMEI of the device linked to the account, it is possible for the issuing computer 44 to identify both the carrier and the manufacturer of the telephone 20 in relation to each transaction made by use of the transaction device 12. This information may then be used to enter into a revenue sharing agreement by which the carrier and/or the manufacturer, as well as the issuing bank 18, and other interested parties, receive a portion of the revenue from transactions undertaken by the owner. This can be achieved in a number of ways. As an example, if the issuing computer 44 reports details of the total value of transactions undertaken by the owner using the transaction device 12 in a prescribed period, then the report can be accompanied by the agreed payment to the respective parties.
  • the credit card 21 can be coupled remotely to the telephone 20, but in such a way that the credit card 21 needs to be proximate the telephone 21.
  • the coupling could be achieved through infra red (IR), Radio Frequency (RF) or other suitable means.
  • IR and RF to couple signals and data between devices located close to each other is known and need not be described in any further detail herein, except as is relevant to the present invention.
  • the credit card 21 includes a card signal means 58, and the telephone 20 includes a telephone signal means 60.
  • These two signal means 58, 60 are in the form of matched transceivers using IR or RFID technology.
  • the telephone 20 under control of the transaction program is operable to poll the credit card 21 by sending a signal - such as an RF or IR signal - to the card 21. If the credit card 21 is close to the telephone 21 , then a signal will be returned to the telephone 20 in response to the poll. If a positive response is received, then the telephone 20 proceeds to communicate the IMEI number as described above, thus establishing an 'online' status for the card. The transaction can then be finalised as before.
  • a signal - such as an RF or IR signal -
  • the online status of the telephone 20 is established by communication of the IMEI to the issuing computer 44.
  • This online status can be arranged to exist for a predetermined period before the status of the telephone reverts to an offline status. If a user wishes to reactivate this online status, then the user would be required to enter a PIN to the telephone 20. In response to this, the telephone 20 is then operable to resend the IMEI to the issuing computer 44 to thereby re-establish the online status.
  • the user could use this PIN to prompt the telephone 20 to send the IMEI to the issuing computer 44 at any other time, thereby establishing an online status outside of a transaction episode.
  • Additional credit cards can be attached to the telephone 20 - either by a physical link or a wireless link.
  • the transaction device could be arranged to provide for multiple cards to be part of the transaction device 12, or they could be interchangeable.
  • signals from the card to the telephone 20 would identify the credit card 21.
  • a user switches on the transaction device 12 and enters their PIN.
  • the telephone 20 checks that all linked cards are proximate by polling each of the cards. Once this is successful the transaction device 12 is operable to signal the issuing bank computer 44 by communicating the IMEI to set the credit cards to an online status. The cards can now transact as normal.
  • a user switches on the transaction device 12 and enters their PIN.
  • the telephone 20 checks that all linked cards are proximate by polling each of the cards.
  • the transaction device 12 is linked to two cards, card A and card B.
  • Card A is not proximate, while card B is proximate.
  • the device contacts the issuing bank to set card A to an offline status and card B to an online status.
  • the customer can proceed to transact on card B. If card A were to be stolen the cards PIN has been taken it would normally be possible to fraudulently transact with the card as all the required information is available. However in this case no-one can transact with card A, because card A is not proximate to the transaction device 12 and so it is in an offline status.
  • a user wishes to conduct a "card not present" transaction, for example when buying over the phone or over the Internet, the user can still put the card into an 'online' status with the issuing bank computer 44. This is achieved as above by switching the transaction device 12 on, and allowing it to poll the card. As the poll is nearby, then the telephone 12 will receive a signal from the card, and, in response will transmit the IMEI to the issuing bank computer 44. The transaction will proceed as usual and, because the card has an 'online' status then the transaction will be allowed to proceed (providing there are available funds and so on). If the card were to be stolen, and an attempt to use the card in a "card not present' transaction, the transaction would not be allowed because the card would have an 'offline' status because of its non-proximity to the transaction device 12.
  • the account identifier and the transaction device identifier may be the same, or the account
  • 5 identifier may include the transaction device identifier
  • the owner may create and send a message to the issuing computer 44 themselves prior to conducting a
  • the transaction device 12 is not required, as long as the owner knows the transaction device identifier and the account identifier;
  • the credit card 21 may be able to be removed from the carriage 46 of the telephone 20, and replaced with an alternative credit card;
  • o the transaction device 12 may be provided with a plurality of account identification means, each providing
  • the transaction device 12 may be provided with account selection means operable to enable the owner to select the account to be used for a
  • the account selection means may comprise a "card jukebox" storing a plurality of cards from which the credit card corresponding to the desired account can be selected and moved to a readable position, a coil of magnetic stripes from which the appropriate magnetic
  • 30 stripe may be selected, or a selectable database of accounts, for example; o the telephone 20 may be provided with security features preventing unauthorised operation of the telephone 20, and hence the transaction device 12.
  • security features may comprise a personal identification number
  • o the transaction device 12 may be combined with other technologies for advanced or multiple functions.
  • magnetic stripes may be used in conjunction with RFID or biometics systems for authentication of the
  • o the credit card 21 may be able to be optionally connected to and disconnected from, or linked and unlinked from,
  • the transaction device 12 as desired by the owner. Once disconnected or unlinked from the transaction device 12, the credit card 21 may be used to make transactions in a conventional manner. This is advantageous in situations where the transaction device 12 is left somewhere known
  • connection and disconnection or linking and unlinking of the credit card 21 to the transaction device 12 may require security
  • the telephone 20 of the transaction device 12 may be provided with preloaded content to provide additional functionality for a user.
  • the preloaded content may allow a user to book airline tickets via an airline website.
  • the provision of preloaded content on cellular radio telephones for enhanced functionality is known, and need not be described in any further detail herein, except as is relevant to the present invention.
  • the telephone 20 communicates via the communications network in the usual way.
  • the website of the content service provider is hosted on a server 111 , and accessed via the Internet in the usual way, using the application software loaded on the ROM 28 in the telephone 20.
  • the user will open up the preloaded application by selecting the appropriate icon displayed on the display 36, in a manner that is well known.
  • the website is accessed through means of the Uniform Resource Locator (URL) as is well known, and the telephone 20 is in communication with the server 111.
  • the server 111 will be coupled to one or more databases 112 for storing information. Once in communication, the user can proceed with the relevant transaction to purchase the tickets, for example, in a known manner.
  • the application software is operable to gather the IMEI from the ROM 28, as described above. O ⁇ C ⁇ the application software has retrieved the IMEI, then it is attached to the URL, and transmitted as part of it when the application software contacts the server 111 using the URL in a known manner.
  • a "hard coded" manufacturer identifier can also be used if required to identify the manufacturer of the telephone 20.
  • the server 111 When the server 111 receives the data from the telephone 20, it parses the URL and identifies the attached IMEI and stores it in the database 112. Alternately, the interface message could be used. The interface message can be sent using an external Internet Protocol address or IP address. This IP address is visible to users of the internet. The "hard coded" manufacturer identifier can also be stored if required. This can be achieved using any suitable programming steps appropriate for the operating system used by the server 111.
  • the server 111 is operable to compare the IMEI with a lookup table in the database 12 to determine the manufacturer of the telephone involved in the transaction.
  • the manufacturer identifier can also be used as the lookup.
  • the server 111 is then operable to communicate to the manufacturer 116 that a telephone manufactured by them has been used to access this particular service providers services.
  • the manufacturer 116 also has a server 117 and one or more databases for use in electronic communication with remote servers and computers, and for hosting a website.
  • the information regarding the IMEIs can be supplied to the manufacturer 116 in a number of ways: electronically as the IMEI itself - either singularly or in batches - or simply as a number indicating how many times phones from that manufacturer have accessed the service providers services.
  • the electronic communication can be via the Internet, or other suitable means of communication.
  • the data could also be sent in a non-electronic format.
  • the server 111 can retrieve a relevant transaction identifier from the transaction process, in a known manner, and can store that with the relevant IMEI in the database 112. The transaction identifier and the IMEI can then be sent together to the manufacturer 116. In another embodiment of the invention, the IMEI can be sent to the server 111 at another point on the transaction, for example, when the transaction is completed. This can be achieved programmatically using any suitable programming steps. This will enable the manufacturer to identify the relevant service that has been accessed by the user. This is particularly useful where the service provider 115 has a number of services accessible through the telephone 20.
  • the manufacturer 116 and service provider 115 are able to enter into a revenue sharing agreement by which they both receive a portion of the revenue from the transactions undertaken by users. This can be achieved in a number of ways. As an example, if the content provider 115 reports details of how many times a manufacturer's telephone has been used to access their services, then the report can be accompanied by the agreed payment.
  • the application loaded on the telephone 20 can provide for the ability of the telephone 20 to transmit details of the transaction to the manufacturer 116 directly.
  • This application software can be operable to retrieve the transaction identifier from the transaction process in any suitable manner, and send the transaction identifier and the IMEI to the manufacturer 116. This could be done in any suitable manner, for example, over the Internet 100, or other electronic communication method such as a messaging interface. In this way, both the manufacturer 116 and service provider 115 receive independent information, which can be useful for auditing and confirmation of the revenue sharing agreement.
  • the transaction device described above could be used and in the manner described.
  • the ROM 28 could be preloaded with a number which can act as a credit card number. This number would be preloaded during manufacture, but would be activated later by the user.
  • the ROM 8 would also have preloaded content enabling communication with a credit service provider 119 in the same way as a user can communicate with any other service provider.
  • the credit service provider 119 has a server 120, and one or more databases 121 , to send and receive data from remote servers and to host a website.
  • the application software can enable the preloaded credit number details to be used for the transaction.
  • the application software retrieves the credit number as well as the IMEI from the ROM 28, and sends these - in a separate communication - to the credit service provider 119 to enable payment to be made.
  • This communication between the telephone 20 and the credit service provider 119 is enabled through any suitable communication means, such as the Internet 100 between the telephone 20 and the server 120 hosting the credit service website.

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Abstract

La présente invention décrit un dispositif de transaction (12) prévu dans le cadre d'un système de transactions électroniques (10). Le système de transaction assure les transactions par carte de crédit électronique sur des dispositifs en points de vente (14). Le dispositif de transaction, qui comprend un téléphone radio cellulaire portable, peut envoyer une confirmation à une banque émettrice (18) lors du processus de transaction. Ce message de confirmation comprend un identifiant unique pour le dispositif de transaction qui est généralement le numéro IMEI de ce téléphone. Si l'identifiant unique correspond à la carte de crédit et à d'autres informations de compte, la transaction est traitée. Sans message de confirmation, la transaction n'est pas traitée. La confirmation ne sera envoyée que lorsque le téléphone est proche de la carte de crédit payant la transaction. La présence de la carte est déterminée soit en envoyant un signal de la carte au téléphone soit en connectant la carte au téléphone et en établissant un signal opérationnel lorsque la carte est placée, par exemple, en position ouverte. De cette manière, on réduit l'utilisation frauduleuse de la carte de crédit.
PCT/AU2006/000660 2005-05-18 2006-05-17 Dispositif, systeme et procede de transaction WO2006122364A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
AU2005902514 2005-05-18
AU2005902514A AU2005902514A0 (en) 2005-05-18 Purchasing System and Method
AU2005906615A AU2005906615A0 (en) 2005-11-28 Transaction Device, System and Method
AU2005906615 2005-11-28

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WO2006122364A1 true WO2006122364A1 (fr) 2006-11-23

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US11348090B2 (en) * 2011-11-17 2022-05-31 Abdolreza Behjat Using a mobile device in a commercial transaction
FR2987480A1 (fr) * 2012-02-29 2013-08-30 Mobi Rider Procede et dispositif d'identification d'appareils electroniques portables communicants
FR2987476A1 (fr) * 2012-02-29 2013-08-30 Mobirider Procede et dispositif de reconnaissance d'un terminal mobile communiquant
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WO2015193629A1 (fr) * 2014-06-18 2015-12-23 Validsoft Uk Limited Détection de portage ou de redirection d'un numéro de téléphone mobile
CN115049385A (zh) * 2022-05-24 2022-09-13 福建天晴在线互动科技有限公司 一种通过线上服务端保证苹果内购充值到账的方法及系统
CN115049385B (zh) * 2022-05-24 2024-05-28 福建天晴在线互动科技有限公司 一种通过线上服务端保证苹果内购充值到账的方法及系统

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