WO2007026212A1 - Systeme de vente hors ligne - Google Patents

Systeme de vente hors ligne Download PDF

Info

Publication number
WO2007026212A1
WO2007026212A1 PCT/IB2006/002349 IB2006002349W WO2007026212A1 WO 2007026212 A1 WO2007026212 A1 WO 2007026212A1 IB 2006002349 W IB2006002349 W IB 2006002349W WO 2007026212 A1 WO2007026212 A1 WO 2007026212A1
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
service
transaction
customer
product
Prior art date
Application number
PCT/IB2006/002349
Other languages
English (en)
Inventor
Helmut Grewar Nel
Original Assignee
Firstrand Bank Limited
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
Application filed by Firstrand Bank Limited filed Critical Firstrand Bank Limited
Publication of WO2007026212A1 publication Critical patent/WO2007026212A1/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
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G07F7/04—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
    • 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
    • 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
    • G07F7/127—Card verification in which both online and offline card verification can take place

Definitions

  • This invention relates to a method for the vending of products or services in an off-line manner from remote terminals, and to a system for implementing the method.
  • the invention extends to a terminal for use in the system.
  • vouchers comprising codes (known as virtual vouchers) that are redeemable to purchase or obtain access to a product or service.
  • virtual vouchers a code that is redeemable to purchase or obtain access to a product or service.
  • Such systems are used to sell prepaid network airtime to mobile telephone users, but other products and services can be sold as well.
  • the point-of-sale terminal will connect, through a communications network, to the system of the product host whereby the product/service is made available to the customer (or, in the specific case of airtime for cellular networks, the customer is given ongoing network access) without the need for a redeemable voucher.
  • These known systems have the drawback that the point-of-sale terminal must connect directly and in real time to the system of the product/service host. This in turn leads to the problem that a transaction can not be executed if there is any problem in connecting to the host system.
  • generating at the terminal in response to the selection of the product or service, a transaction code identifying the merchant, the terminal and the selected product or service, the transaction code or a portion thereof being redeemable by the customer to gain access to the product or service purchased.
  • the method preferably includes storing, both in the central database and in the data storage means associated with each terminal, data defining a predetermined algorithm used by the terminal to generate the transaction code.
  • the method may include receiving, at a central server, a transaction request message transmitted by the customer to the central server to confirm the transaction and to gain access to the purchased product or service, the transaction request message comprising at least a portion of the transaction code and the central server applying the predetermined algorithm to the transaction code or portion thereof to verify the validity thereof and to identify the merchant, the terminal and the selected product or service therefrom.
  • the transaction code is provided to the customer in the form of a transaction receipt serving both to convey the transaction code and to act as a receipt.
  • the transaction request message may be an SMS, MMS or USSD message, or may be transmitted as a GPRS, 3G or other data message from the customer to the central sever via a mobile telephone network.
  • the transaction request message may be a data message transmitted over a data network.
  • the data message may be transmitted via the Internet from a computer or other device.
  • the transaction request message may comprise predetermined content including an address identifier which is used to address the message to the central server.
  • the transaction request message may comprise both predetermined content and non-predetermined content.
  • the non- predetermined content may comprise a mobile telephone number or other identifier of a customer, other than a mobile telephone number of the customer which is used to send the message, as well as the unique transaction code generated by the terminal for each transaction.
  • characters making up the transaction request message are entered into a mobile telephone by the customer using the keypad of the mobile telephone.
  • At least a portion of the transaction request message may comprise image data captured by taking a digital photograph of an image embodying the unique transaction code.
  • the unique transaction code may be provided to the customer in the form of a bar code printed on the transaction receipt.
  • the method may include transmitting a confirmatory message to a mobile telephone of the customer confirming the transaction.
  • the confirmatory message may be sent as part of a USSD session, or as an SMS or MMS message, or as a data message data via a GPRS or 3G service.
  • the product or service may be made available to the customer or to another designated recipient, related to the mobile telephone number of the customer transmitting the transaction request message, or the mobile telephone number or other identifier that was provided in the non- predetermined portion of the transaction request message, without further information being required of the customer.
  • an off-line vending system comprising a plurality of terminals for use by merchants and a central server having an associated database, each terminal being uniquely identified and having associated data storage means, and each terminal being able to communicate with the central server, the central server and each terminal being arranged to store respective merchant identification data, unique terminal identification data and product/service identification data relating to a predetermined set of products and/or services available for purchase from each terminal, the system being operable in use to permit a merchant or a customer to select, via a user interface of a terminal, a product or service required by the customer, and the respective terminal being operable, in response to the selection of the product or service, to generate a transaction code identifying the merchant, the terminal and the selected product or service, the transaction code being redeemable by the customer to gain access to the product or service purchased.
  • both the central database and the data storage means associated with each terminal store data defining a predetermined algorithm used by the terminal to generate the transaction code.
  • the central server is preferably operable to receive a transaction request message transmitted by the customer to the central server to confirm the transaction and to gain access to the purchased product or service, the transaction request message comprising at least a portion of the transaction code and the central server being operable to apply the predetermined algorithm to the transaction code or portion thereof to verify the validity thereof and to identify the merchant, the terminal and the selected product or service therefrom.
  • the central server may be arranged to transmit data comprising details of the product or service purchased to a product or service host, the product or service host making the product or service available to the customer or a designated recipient.
  • the invention extends to a terminal for use in an off-line vending system as defined above, the terminal comprising a display, a user interface, a processor, data storage means associated with the processor, a communication interface for communication with a central server, and output means for generating a transaction receipt, the terminal storing data identifying it uniquely to the central server and being operable in cooperation with the server to store respective merchant identification data, unique terminal identification data and product/service identification data relating to a predetermined set of products and/or services available for purchase from each terminal, the terminal being operable in use to permit a merchant or a customer to select, via the user interface, a product or service required by the customer, and being operable, in response to the selection of the product or service, to generate a transaction code identifying the merchant, the terminal and the selected product or service, the transaction code or a portion thereof being redeemable by the customer to gain access to the product or service purchased.
  • Figure 1 is a simplified schematic diagram illustrating major components of a system for operating the point-of-sales vending system according to the invention.
  • FIG. 2 is a simplified flow diagram showing major steps in the method of the invention.
  • the present invention aims to provide a decentralised system for the vending of products or services from a plurality of distributed point-of-sale terminals in an offline manner.
  • the terminals will dispense so- called “virtual vouchers" comprising a unique code that is redeemable by a purchaser to access a service or obtain a product.
  • Such vouchers are widely used to dispense prepaid airtime for cellular telephone networks.
  • a purchaser of such a voucher enters the voucher code (in the given example, via the keypad of his/her mobile telephone) and transmits it to the network operator via the telephone network. Once the network operator verifies the code, the purchaser is given additional or continued network access.
  • the invention will be described further with specific reference to the vending of prepaid airtime, but it will be appreciated by those skilled in the art that the invention can be applied to the vending or distribution of other products and services.
  • each point-of-sale terminal does not have to connect to a central server for every transaction. However, neither do they have to keep a stock of the virtual voucher codes to be issued to customers.
  • each point-of-sale terminal instead generates a unique transaction code for each transaction conducted via the terminal.
  • the device uses the transaction information and applies an algorithm to it to produce a set of numbers which forms part of the transaction code.
  • the transaction code is provided to the customer on a receipt, who then sends this transaction code (or a part of the transaction code) in a transaction request message to a computerised server by means of an SMS message, a USSD message or other data message, either from a standard GSM mobile phone via the mobile telephone network, or using a computer, for example via the Internet.
  • This message contains information that the computerised server uses to identify the respective merchant, the specific point-of-sale terminal that produced the unique transaction code, and information identifying the product that was paid for as well as the price/value that was paid.
  • the computerised server can determine the validity of the transaction request message, which enables the server to connect to the mobile network operator (or other applicable product/service host) in order to make available to the customer the product/service that was paid for at the point-of-sale terminal without first having to refer to the point-of-sale terminal to verify the information.
  • the merchant operating the point-of-sale terminal has to register for the service and specifically must provide information such as the merchant's bank account details. It is necessary for each point-of-sale terminal to be identifiable by means of a specific identifier that is unique to the device. It is also necessary for the point-of-sale terminal to be enabled by means of suitable software.
  • the software allows the terminal to display information relating to available products or services, allows the merchant to select a product/service via the user interface of the terminal as per the customer request, and then enables the terminal to generate a unique transaction code that is presented to the customer as part of a printed transaction receipt.
  • a point of sale terminal 10 typically comprises a compact housing which supports a display 12 and a user interface, typically a keypad 14.
  • the terminal includes a processor with associated memory or other data storage, a communication interface such as a modem, a wireless communication interface or another communication interface, and a printer for generating a customer receipt 16.
  • the memory of the terminal stores software controlling the operation of the terminal, which generates, amongst other things, menu displays to facilitate operation of the terminal by the merchant and/or the customer.
  • the memory also stores transaction data, the algorithm used to generate the transaction code, and an identity code uniquely identifying the terminal.
  • the algorithm and the identity code could be stored in secure memory, possibly in an encrypted form.
  • the information identifying the merchant and the point-of-sale terminal itself is stored in a database of a transactional server forming part of the computerised server, with other information such as personal details of the merchant and information that identifies each point-of-sale terminal of the merchant that is registered for the service (see Figure 1).
  • the computerised server determines the validity of the transaction request purely from the contents of the transaction request message transmitted by the customer to the server.
  • the first type of transaction relates to the selling of prepaid network airtime for a mobile telephone. Airtime can be purchased for any mobile telephone and need not be restricted to use with the mobile telephone of the customer making the purchase.
  • any number or amount of other products/services can be sold via the method of the invention as long as the product/service type is known to both the computerised server and the point-of-sale terminal, and the computerised server is connected to the product/service host that is responsible for making the product/service available to the customer. According to the invention it is not necessary for the merchant or the point- of-sales terminal to know the identity of the final product host from which the product is being purchased as long as the terminal knows the type of product/service and is given information regarding the price/value that is being paid for the product/service.
  • the customer is identified to the server either by the number of the mobile telephone that is used by the customer to send the message, or by another identifier of a predetermined nature that the customer adds to the transaction request message sent to the server.
  • New product/service types can be added at any time to a list of products and services, thereby creating new transaction types.
  • Table 1 below shows examples of transactions that can be carried out on the prototype system of the invention.
  • Airtime can be bought for any mobile phone and it is not necessary to know the phone number when the transaction is being done
  • a step by step description of a transaction is set out below in three parts with reference to Figure 2.
  • the first part of the transaction shown in Figure 2 is the transaction between the customer and the merchant at the point-of- sale terminal, while the second part is the redemption transaction between the customer and the server of the product/service host.
  • the third part of the transaction is the reconciliation on the central computerised server between the log file from the point-of-sales device and the log file from the transactions that were redeemed in the second part of the process.
  • the customer requests a product/service from the merchant (e.g. to purchase R100 of airtime);
  • the merchant accesses the applicable prepaid function screen on the point-of-sale terminal and enters the amount of the transaction;
  • the point-of-sale terminal now generates a transaction receipt comprising a transaction code in the form of a string of characters which includes the details of the product/service that was purchased as well as other information that is used by the computerised server to validate the transaction, as well as to identify the merchant and point-of-sale terminal that was used to conduct the transaction;
  • a mobile telephone sending a USSD message will be used as the medium of communication for this step of the method.
  • the message string includes the address identifier e.g. *130*321 * ⁇ rest of the string>#.
  • the address identifier identifies the messaging server;
  • the point-of-sale device will connect to the central computerised server via a communications network (typically a telephone or data network) and upload its latest transaction log file to the server;
  • a communications network typically a telephone or data network
  • the central computerised server compares the log file from the point-of-sale device with the transaction log file from the redeemed transactions (from Part 2 above). This reconciliation process will highlight two types of exceptions namely: o Unredeemed transactions (i.e. the customer has not yet carried out the redemption part of the transaction in accordance with Part 2 above); and o Possible fraudulent transactions (i.e. transaction redemptions were received in accordance with Part 2 but the device log file doesn't show the transaction(s));
  • the transaction request message could include image data.
  • the transaction receipt comprises a barcode
  • a digital photograph of the barcode can be taken using a customer's mobile telephone and transmitted together with other data forming part of the transaction request message.

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention porte sur un procédé d'exploitation d'un service et d'un système de vente hors-ligne comportant plusieurs terminaux utilisés par des commerçants et un serveur central, et une base de données associée. Chaque terminal est identifié de manière unique et possède une mémoire de données associée où se trouve un algorithme. Le terminal permet à un client de sélectionner un produit ou un service parmi plusieurs produits et services prédéterminés. Les détails des produits ou services sélectionnés sont utilisés par l'algorithme pour créer un code de transaction crypté fourni au client avec le reçu de la transaction. Le client transmet alors une demande de transaction au serveur central, par exemple en utilisant un téléphone mobile ou un ordinateur possédant au moins une partie du code de transaction. Le serveur central analyse alors le message de demande de transaction, en utilisant le même algorithme, pour déterminer sa validité, et en cas de validité, met le produit ou le service acheté à la disposition du client ou d'un destinataire désigné. Cette dernière étape peut se faire par l'intermédiaire d'un hôte de produits ou de services.
PCT/IB2006/002349 2005-08-29 2006-08-29 Systeme de vente hors ligne WO2007026212A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA2005/06912 2005-08-29
ZA200506912 2005-08-29

Publications (1)

Publication Number Publication Date
WO2007026212A1 true WO2007026212A1 (fr) 2007-03-08

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ID=37671259

Family Applications (1)

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PCT/IB2006/002349 WO2007026212A1 (fr) 2005-08-29 2006-08-29 Systeme de vente hors ligne

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WO (1) WO2007026212A1 (fr)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2936637A1 (fr) * 2008-10-01 2010-04-02 Axiohm Dispositif de generation de coupons
WO2012041781A1 (fr) * 2010-09-30 2012-04-05 Moqom Limited Système et procédé de prévention des fraudes utilisant des données de service supplémentaires non structurées (ussd)
WO2013115665A1 (fr) * 2012-01-31 2013-08-08 QUADRA GRAPHOC d.o.o. Bon hybride
US20130268380A1 (en) * 2012-04-09 2013-10-10 Andrew Hussie Method for accessing point-of-sale transaction information over a network
WO2014095362A1 (fr) * 2012-12-21 2014-06-26 Sqwin Sa Système de transactions en ligne
EP2920752A4 (fr) * 2012-11-16 2016-06-15 Procédé d'achat d'un produit faisant appel à un dispositif de communication portable
US10089501B2 (en) 2016-03-11 2018-10-02 Parabit Systems, Inc. Multi-media reader apparatus, secure transaction system and methods thereof
US11687519B2 (en) 2021-08-11 2023-06-27 T-Mobile Usa, Inc. Ensuring availability and integrity of a database across geographical regions

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3845470A (en) * 1973-02-08 1974-10-29 Umc Ind Check-controlled vending
US5163098A (en) * 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
US5757918A (en) * 1995-01-20 1998-05-26 Tandem Computers Incorporated Method and apparatus for user and security device authentication
EP1107202A2 (fr) * 1999-12-08 2001-06-13 Sony Corporation Système de distribution d'information et méthode de gestion d'information
WO2001045058A1 (fr) * 1999-12-16 2001-06-21 The Coca-Cola Company Achat de produit d'un distributeur automatique via un telephone cellulaire
US20010056409A1 (en) * 2000-05-15 2001-12-27 Bellovin Steven Michael Offline one time credit card numbers for secure e-commerce
EP1315129A2 (fr) * 2001-11-23 2003-05-28 Scheidt & Bachmann Gmbh Méthode d'utilisation d'installations automatiques
EP1316929A2 (fr) * 2001-12-01 2003-06-04 Scheidt & Bachmann Gmbh Méthode pour effectuer, sans numéraire, des procédures d'utilisation de machines de vente

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3845470A (en) * 1973-02-08 1974-10-29 Umc Ind Check-controlled vending
US5163098A (en) * 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
US5757918A (en) * 1995-01-20 1998-05-26 Tandem Computers Incorporated Method and apparatus for user and security device authentication
EP1107202A2 (fr) * 1999-12-08 2001-06-13 Sony Corporation Système de distribution d'information et méthode de gestion d'information
WO2001045058A1 (fr) * 1999-12-16 2001-06-21 The Coca-Cola Company Achat de produit d'un distributeur automatique via un telephone cellulaire
US20010056409A1 (en) * 2000-05-15 2001-12-27 Bellovin Steven Michael Offline one time credit card numbers for secure e-commerce
EP1315129A2 (fr) * 2001-11-23 2003-05-28 Scheidt & Bachmann Gmbh Méthode d'utilisation d'installations automatiques
EP1316929A2 (fr) * 2001-12-01 2003-06-04 Scheidt & Bachmann Gmbh Méthode pour effectuer, sans numéraire, des procédures d'utilisation de machines de vente

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2936637A1 (fr) * 2008-10-01 2010-04-02 Axiohm Dispositif de generation de coupons
WO2010037921A1 (fr) * 2008-10-01 2010-04-08 Axiohm Dispositif de generation de coupons
WO2012041781A1 (fr) * 2010-09-30 2012-04-05 Moqom Limited Système et procédé de prévention des fraudes utilisant des données de service supplémentaires non structurées (ussd)
WO2013115665A1 (fr) * 2012-01-31 2013-08-08 QUADRA GRAPHOC d.o.o. Bon hybride
US20130268380A1 (en) * 2012-04-09 2013-10-10 Andrew Hussie Method for accessing point-of-sale transaction information over a network
EP2920752A4 (fr) * 2012-11-16 2016-06-15 Procédé d'achat d'un produit faisant appel à un dispositif de communication portable
WO2014095362A1 (fr) * 2012-12-21 2014-06-26 Sqwin Sa Système de transactions en ligne
US10043176B2 (en) 2012-12-21 2018-08-07 Sqwin Sa Online transaction system
US10621572B2 (en) 2012-12-21 2020-04-14 Sqwin Sa Online transaction system
US11195168B2 (en) 2012-12-21 2021-12-07 Sqwin Sa Online transaction system
US10089501B2 (en) 2016-03-11 2018-10-02 Parabit Systems, Inc. Multi-media reader apparatus, secure transaction system and methods thereof
US11687519B2 (en) 2021-08-11 2023-06-27 T-Mobile Usa, Inc. Ensuring availability and integrity of a database across geographical regions

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