WO2008031987A1 - System comprising an electronic money chain, method implementing this system, web service and web services server - Google Patents

System comprising an electronic money chain, method implementing this system, web service and web services server

Info

Publication number
WO2008031987A1
WO2008031987A1 PCT/FR2007/051913 FR2007051913W WO2008031987A1 WO 2008031987 A1 WO2008031987 A1 WO 2008031987A1 FR 2007051913 W FR2007051913 W FR 2007051913W WO 2008031987 A1 WO2008031987 A1 WO 2008031987A1
Authority
WO
Grant status
Application
Patent type
Prior art keywords
data
message
server
web
service
Prior art date
Application number
PCT/FR2007/051913
Other languages
French (fr)
Inventor
Patrick Leroy
La Forest Divonne Aymeric De
Original Assignee
France Telecom
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

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Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00Cash registers
    • G07G1/12Cash registers electronically operated
    • G07G1/14Systems including one or more distant stations co-operating with a central processing unit

Abstract

This system (10) comprises an electronic money chain (12) comprising at least two elements (14, 16). The two elements (14, 16) are linked together by a data transmission network (22) and are intended to transmit between them information relating to a banking transaction. In accordance with the invention, it comprises at least one server (24) of at least one web service, forming a third element of the electronic money chain (12). More particularly, this server (24) is linked to the first element (14) of the electronic money chain (12) by a public access network (26A) of the TCP/IP protocol type, forming a first part (26A) of the data transmission network (22) and to the second element (16) of the electronic money chain (12) by a second part (26B) of the data transmission network (22).

Description

Electronic payment system comprising a chain process using this system, Web service and Web services server.

The invention relates to a system comprising an electronic payment system, a process using this system, a Web service and a Web services server.

It applies especially to bank transactions conducted by electronic and computer technology, as transactions between, on one hand, bank card readers and, secondly, bank servers (such as a server authorization, a remote data server or download server), payments electronically (eg Internet), interbank transfers, etc.

In what follows, the term "electronic payment chain" a set comprising elements forming devices, such as those mentioned above, capable of carrying out banking transactions. already known in the prior art a system comprising an electronic payment chain comprising at least first and second elements interconnected by a data transmission network and for transmitting them information regarding a bank transaction.

For example, the first element is an electronic payment terminal (acronym: TPE) and the second element is a bank server authorization associated with a banking authority.

In general, the data transmission network connecting the electronic payment terminal and the bank server is for example a fixed transmission network comprising a first part type public switched telephone network (acronym PSTN) and a second part of the type private access to the network using a specific interbank communications protocol.

The first and second parts of the network are interconnected by an analog data conversion device circulating in the PSTN data contained in the specific communication protocol. Such a device is known as PAD EMA (acronym for "Point of Assembly / Disassembly" and

"Enter Monétique Asynchronous").

Thus, to initiate a banking transaction, the electronic payment terminal connects to the EMA PAD device and transmits a stream of analog data to a banking transaction, through the PSTN. On receiving this stream of analog data, the PAD EMA device converts the stream of analog data into data packets conforming to the interbank communication protocol and redirects packets to the banking server.

Usually the PAD EMA device is located in a country, this country of location in which a single telephone number is assigned. It further includes phone calls filtering means from a foreign country to their country of location.

Now, the user may be required to move out of the country of location of the PAD EMA device. In this case, to initiate a banking transaction, as the PAD EMA device comprises means of filtering phone calls from abroad, the user can not connect to the PAD EMA device. He must call an operator of the banking authority in the country of location of the PAD EMA device and perform banking transaction orally by verbal exchange with the operator. Therefore, the communication cost can be relatively high, and depends on the country in which the user is the payment terminal. Moreover, when the user has to perform many banking transactions, such a procedure may prove to be relatively long.

Another solution is to transmit messages related to banking transactions via a mobile phone network using a data transmission service by radio, for example GPRS (acronym for

"General Packet Radio Service" general packet radio communication).

Now, such a data transmission service is relatively expensive, especially when the user of the payment terminal is outside of the country in which is the bank server.

The invention particularly aims to provide reliable and efficient transmission of information relating to a banking transaction, even when one of the elements of the payment chain is nomadic, this limiting the cost of transmitting information relating to the transaction banking. To this end, the invention provides a message transmission method for containing data relating to a banking transaction between at least first and second elements of a payment chain interconnected by a data transmission network, the message transmitted via a Web service server, the method comprising: - following a service request transmitted by the first element, a step of transmitting to the first element of a first data structure corresponding to the service used through a first part of the network according to a first data transmission protocol,

- a message reception step containing data according to the first structure, from the first element, - a step of processing the message,

- a message transmitting step Treaty, to the second member through a second part of the network, in accordance with a second data transmission protocol.

In conventional manner, a Web service is a software component available via the Internet.

The service request enables the selection, and consequently the recovery of a Web service.

The Web service allows components such as a server, another web service or a client terminal to transmit data remotely via the Internet regardless of programming languages ​​and operating systems used by these applications .

Moreover, the fact that communication between the two elements is operated via a Web service, the exchange of information on the bank transaction between two elements of the payment chain is independent of communication protocols, programming languages ​​and operating systems of the two.

In addition, the use of a Web service facilitates adaptation to specific protocols banking transactions to new banking rules and standards, without it being necessary to intervene on the entire payment chain. Advantageously, the message processing step comprises a step of checking the conformity of the message received in respect of banking rules and standards.

In a particular embodiment, the verification step includes a data extraction step of the message, a step of reading a definition file a valid structure containing the message validity verification test and a execution step of the test on the extracted data.

Advantageously, the message processing step includes a step of translating the first message data structure into a second of the message data structure for use in the second portion of the data transmission network. In a particular embodiment, the translation step includes a step of providing the second element to the web service server, information relating to the second data structure.

A method according to the invention may further comprise one of the following: the first data structure, which is the message data structure of the Web service of the server is defined by an XML data description language;

- the first data transmission protocol HTTPS uses, for example in accordance with SOAP;

- the second data structure, which is the message data structure of the second element is defined by a binary code.

In a particular embodiment, the method further comprises:

- a step of receiving a response message containing data according to a second structure, from the second member through the second part of the network according to the second data transmission protocol,

- a compliance stage structure to the first response message, - a step of transmitting the response message according to the first structure, the first member through the first part of the network in accordance with first transmission protocol data.

The invention also provides a Web services server capable of transmitting a message containing data relating to a banking transaction between at least first and second elements of a payment chain connected by a data transmission network, the server being connected on the one hand, the first member of the payment chain via a public access network of the type TCP / IP protocol, forming a first portion of the data transmission network and on the other hand, the second element the payment chain by a second portion of the data transmission network, and comprising:

- means for transmitting to the first element of a first data structure corresponding to a service, used throughout a first portion of the network according to a first data transmission protocol,

- receiving the message means containing data according to the first structure,

- processing of the message means, - the message transmitting means Treaty to the second member through the second part of the network, in accordance with a second data transmission protocol.

So the web service server forms the third element of electronic banking chain. The public access network communication protocol like TCP / IP (acronym for "Transmission Control Protocol / lnternetwork") is commonly referred to as Internet.

Thanks to the invention, the exchange of data on the bank transaction between the two elements of the payment chain is relatively effective, regardless of the fact that one of the elements is nomadic.

Indeed, as the transmission of messages between the two members of the payment chain is performed at least partially through the Internet to public access, the payment terminal can establish a connection to the Internet from, for example, a terminal Internet access and initiate a banking transaction with a remote bank authorization server.

Preferably, the Web service server includes means for verifying the validity of a message containing data relating to the banking transaction, to be transmitted between the first and second elements.

In a particular embodiment, the means of verification are means of verification of compliance of the received message with regard to bank rules and standards.

Thus, by means of verification of compliance of the message, one not in accord with the standards and rules related to bank-specific protocols can be detected by the Web service server. Therefore, the risk of infringement are limited and this even better, generally, compliance Message Verification is also performed by the second element.

Advantageously, the verification means include means for extracting message data, means for storing a definition file a valid message structure containing the message validity verification test and means of implementation test on the extracted data. The storage means may include means for downloading the test definition file over the network to the Internet public access so that the adaptation of the test definition file for new rules and standards associated with conventional banking protocols is relatively simple .

In a particular embodiment, the web service server includes means for translating the first message data structure for use in the first part of the network a second message data structure for use in the second portion of the data transmission network.

Indeed, as the second part of the data transmission network is private access, the language used by the second element, which is for example a bank authorization server is usually different from the web services server.

In this case, thanks to the translation means, the message may be initially written as XML data description language and forwarded by the Web service server to the bank authorization server in the language used by the latter. For example, the second part of the data transmission network is a private network access to TCP / IP protocol type.

The invention also relates to a first member of an electronic payment chain adapted to transmit a message containing data relating to a banking transaction including means for selecting a Web service, means for receiving a first data structure corresponding to said service and used throughout a first portion of the network according to a first data transmission protocol, means for compliance of the message to the first structure and the message transmission means.

The invention also relates to a system comprising at least one first element as described above, a second element connected to the first element by a data transmission network, and at least one at least one service server

Web as described above, the first and second elements being intended to transmit them information about a bank transaction.

Finally, the invention relates to a web service, suitable for the implementation of the system as described above

The invention will be better understood from reading the following description given purely by way of example and with reference to the drawings:

- Figure 1 is a diagram showing a system comprising an electronic payment system according to the invention; - Figure 2 is a detailed diagram of a part of the system of Figure 1;

- Figure 3 is a diagram illustrating steps of a data transmission method according to the invention.

There is shown in Figure 1 a system according to the invention. The system is designated by the general reference numeral 10. The system 10 includes an electronic payment system 12 comprising at least first and second members 14, 16. In this example, the first element 14 of the electronic payment system 12 is a payment terminal comprising a reader bank card 18 and means 20 for communication through the Internet, for example of the type with wireless technology such as WiFi or optionally wired technology types. The second element 16 of the payment chain 12 is selected, for example banking server from a bank server for authorization, a bank server of remote collection and even a bank download server.

In order to transmit them information about a bank transaction, the two elements 14 and 16 are interconnected by a network of 22 data transmission.

The system 10 also includes at least one server 24 and at least one Web service, the server 24 forming a third element of the payment chain 12.

According to the invention, the Web service server 24 is connected firstly to the first member 14 of the payment chain 12 by a public access network of the communication protocol type TCP / IP network to public access forming a 26A first part of the data transmission network 22. the public access network in this example is the Internet.

In this example, the server 24 is designed to provide three different Web services SW1, SW2 and SW3 (Figure 2). For example, the web service SW1 is a bank authorization service. Other SW2 and SW3 services such as information providing services on bank authorization (transaction history, etc.).

On the other hand, in accordance with the invention, the web service server 24 is connected to the second element 16 of the payment chain 12 by a second part 26B of 22 data transmission network.

In this example, the second part of 26B data transmission network is a private-access network such as an Intranet computer network, TCP / IP communication protocol type. Figure 1 depicts a conventional 27 element of the infrastructure of Intranet 26B, such as for example a gateway or firewall.

Specifically, the electronic payment terminal 14 and the Web service server 24 is configured to exchange data in a data description language, such as extensible markup XML (acronym for "eXtensible Markup Language") of any CBXML (acronym for "Compact binary" XML) through the first part 26A of the data transmission network 22. in this example, the bank server 16 is configured to use a binary language through the second part 26B of the transmission network data 22.

However, alternatively, the banking server 16 may be configured to exchange data with the Web service server 24 through the second part 26b of the data transmission network 22 in the same language as that used by the web service server 16 and the terminal 14, ie in the CBXML data description language.

To enable data exchange between the banking server 16 and the payment terminal 14, the Web service server 24 also includes means 28 for translating a message data structure used in one of the parts of the network 22 in a message data structure used in the other parts of the network 26 (Figure 2).

Preferably, the translation means 28 are adapted to translate a message data structure defined by the CBXML data description language message data structure defined by the binary language used by the authorization server 16. However alternatively, when the two languages ​​are identical, the Web service server 24 does not include the translation means 28.

Referring to Figure 2, the Web service server 24 also includes means 30 for checking the validity of a message containing data relating to the banking transaction, transmitted between the payment terminal 14 and the bank authorization server 16.

Specifically, the verification means 30 comprise extraction means 32 of the message data, means 34 for storing a definition file a valid message structure containing a verification test of the validity of the structure messages, and means 36 for conducting the test on the extracted data.

Moreover, conventionally, the Web service server 24 also includes means 38 for publication of the Web service in a database forming a directory 40 Web services accessible through the data transmission network 22. The service book Web is for example the type conforms to the UDDI standard (acronym for "Universal Description Discovery and Integration Di recto ry").

The Web service server 24 also includes means 42 classic communication with a set of 44 databases accessible via the Internet 26A and a "formal grammar" 46 CBXML language for defining rules for syntax and this language. We will now describe below the main steps of a data transmission method for a banking transaction according to the invention, illustrated in Figures 2 and 3.

Prior to the steps of the method, the release means 38 of the web services server 24 publishes in a step 50, SW1 Web services, SW2, SW3 in the UDDI directory 40, describing each Web service using its own description language to the UDDI. In this example, the user wants such effect such an application transaction banking bank authorization.

The method comprises firstly a first step 52 for retrieval by the payment terminal 14 of a Web service, specifically recovery SW1 Web service bank authorization.

Preferably, during this step 52, the payment terminal 14 retrieves in a first time, the SW1 Web service by consulting a database forming the directory type of Web services in accordance with the UDDI standard, and selection of the desired Web service from the list of Web services in UDDI directory of Web services.

The payment terminal 14 retrieves secondly a description of SW1 Web service previously selected to the server 24 of SW1 Web service.

Conventionally, this web service SW1 includes a description contained in the WSDL description language (English acronym for "Web Services Description

Save ").

Alternatively, when the first member 14 is a mobile phone using wireless technology to connect to the Internet network 26A, the recovery step 52 is performed by reading a storage unit of a pre-recorded Web service, belonging to the mobile phone, in order to limit the power consumption of the mobile phone in this step 52. the prerecorded Web service is in this example, the web service SW1 bank authorization.

After the description of the Web service SW1 recovered, the method comprises a step 54 of main transmission of a request message containing data relating to the banking transaction, through the data transmission network 22 between the payment terminal 14 and 16 bank authorization server.

First, the main gear stage 54 comprises a first secondary step 56 transmission of the request message from the payment terminal 14 and the server of the web service 24 through the first portion 26A of the network, that is to ie the network to the Internet public access. The first sub-transmission step 56 is performed in accordance with a first protocol for transmitting data between the payment terminal 14 and the server 24 Web service.

For example, the first data transmission protocol uses HTTP data transfer protocol (acronym for "HyperText Transfer Protocol": Hypertext Transfer Protocol), according to SOAP messaging protocol (acronym for "Simple Object Access Protocol" ). Generally, the SOAP protocol uses a data description language type Extensible Markup (XML) for data encryption. Preferably, the first protocol uses a secure transfer protocol such as

HTTPS (with S for "Secured" secure), based on SSL (acronym for "Secure Sockets Layer Protocol").

Advantageously, in a first step, the first sub-step transmission 56 comprises a step 58 of establishing a communication between the payment terminal 14 and the web service server 24 in the first data transmission protocol, to provide by the Web service server 24 to the payment terminal 14, information relating to a current message data structure in the server 24.

Preferably, the message data structure is defined in the CBXML data description language and according to the SOAP protocol.

For example, the message data structure, in force in the web services server 24, the bank complies with ISO 8583 and includes: an identifier field of the message type,

- at least one presence field indicating the presence of other fields of the message, called "data fields" and

- data fields, including data specific to the transaction.

Data considered specific to the transaction are such a date and time of the transaction, a debited or credited amount, account number involved in the transaction, the payee name. Alternatively, other data structures such as that described above may be used, including data structures in accordance with other communication protocols.

Secondly, once the information on the message structure of the server web service 24 provided to the payment terminal 14, the payment terminal 14 form the message containing data on the banking transaction in consistent data structure the information provided by the Web service server 24, at a step 60 formulation.

The method then includes a step transmit 62A of the message properly formulated to the Web service server 24 and a reception step 62B of the message by the Web service server 24.

The method then comprises a step 64 of verification of the validity of the message in which the means 30 verify the conformity of the message with respect to banking regulations and standards.

To this end, during this step 64, the means 32 extract data of the message and the means 36 perform the test on the data from this test is defined in the definition file previously downloaded over the Internet and stored in storage means 34.

Optionally, the server 24 downloads a new definition file of a test taking into account recent changes in banking standards in all 44 databases through the communication means 42.

If the message is identified as valid after the verification step 64, the message is then routed to the translation means 28 of 24 Web services server.

Otherwise, an error message is returned to the payment terminal 14 so that the user of the latter is notified of the failure of the bank transaction.

The main transmission step 54 then comprises a second secondary step 66 transmission of the message between the web service server 24 and the credit authorization server 16 through the second part 26B of the network, in accordance with a second protocol data transmission. In the example described, the second data transmission protocol uses XOT type transfer protocol. This transfer protocol XOT vehicle eg inter-bank communication protocol CB2A kind. Optionally, the transfer protocol can also be the X25 or TCP / IP. Alternatively, the second data transmission protocol is identical to the first data transmission protocol and uses the HTTPS transfer protocol in accordance with the SOAP protocol.

During this second sub-step transmission 66, the method comprises a step 68 of translation of the message data structure used in the first 26A in the network 22 in the message data structure used in the second 26B of the network . Possibly, if the Web service server 24 does not know the current message data structure Ie bank authorization server 16, the second secondary transmission step 66 includes a step of providing the banking server 16 Web service server 24, information on the data structure used by the banking server 16.

Optionally, the Web service server 24 may obtain information regarding the message data structure used via a web service.

To this end, the server 24 consults UDDI and selects a web service SW1 'adapted to his query in a list of web services. The Web service server 24 then retrieves the description of the web service SW1 'previously selected from a server web service SW1 (not shown).

Thus, the server 24 and the server web service SW1 'implement steps similar to steps 58 to 62B so that the server 24 obtained by the Web service server SW1' the information on the message structure force in the banking server 16. for example, the server web service SW1 'may be the bank server 16. once the information received by the Web service server 24, the server 24 translates the message data structure defined by the CBXML data description language of the message data structure readable by the bank authorization server 16.

In this example, the data structure used by the banking server 16 is defined in the binary language.

The Web service server 24 transmits (step 70A) the message translated into binary language and the bank server 16 receives (step 70B) the request message.

The bank server 16 processes the data in the request message and formulates a response message in a data structure defined in the binary language, during a step 72 processing the bank transaction by the bank server 16.

The method then comprises a step 74 again for main transmission of the response message between the bank authorization server 16 and the payment terminal 14 comprising: - a second transmission step 76 of the server response message 16 to the server 24 accordance with the second transmission protocol; a second transmission step 78 of the server response message 24 to the terminal 14 according to the first transmission protocol. The secondary transmission step 76 includes a step transmit 8OA response message by the banking server 16 and a reception step 8OB the message by the web services server 24. The secondary transmission step 78 includes a step of translation 82 during which the service server 24 translates the data structure of the response message defined by the binary language in a data structure defined by the data description language CBXML read by the payment terminal 14. the secondary transmission step 78 also comprises a step 84A emission of the response message and a receiving step 84B of the message by the terminal 14.

During a step 86 of processing the response message by the payment terminal 14, it performs the desired processing based on the data of the response message.

The terminal 14 can then initiate a new bank transaction.

Claims

1. A method of transmitting a message containing data relating to a banking transaction between at least first (14) and second (16) elements of payment chain (12) interconnected by a network (22) for transmitting data the message transmitted via a Web service server (24) characterized by comprising:
- following a service request transmitted by the first element (14), a step (52) for transmitting to the first element of a first data structure corresponding to the service used through a first portion (26A) of the network (22 ) according to a first data transmission protocol,
- a receiving step (54) the message containing data according to the first structure, from the first element,
- a step of processing the message,
- a step of transmitting (66) the processed message, the second member (16) through a second portion (26B) of the network (22) in accordance with a second data transmission protocol.
2. The method of claim 1 wherein the message processing step comprises a step of verifying compliance of the received message with respect to banking regulations and standards.
3. The method of claim 2 wherein the verification step comprises a data extraction step of the message, a step of reading a valid definition file of a structure containing the validity of the message verification test and an execution step of the test on the extracted data.
4. Method according to one of the preceding claims wherein the message processing step includes a step of translating the first message data structure into a second of the message data structure for use in the second part (26B ) of the data transmission network (22).
5. The method of claim 4, wherein the translating step includes a step of providing the second element (16) to the web service server (24) information relating to the second data structure.
6. The method of claim 4 or 5, wherein the second data structure is defined by a binary code.
7. Method according to one of the preceding claims, wherein the first data structure is defined by an XML data description language.
8. A method according to any preceding claim characterized in that it further comprises:
- a receiving step (76) a response message containing data according to a second structure, from the second member through the second part (26B) of the network (22) according to the second data transmission protocol ,
- a compliance step of the response message to the first structure, - a step of transmitting (78) the response message according to the first structure, the first member (16) through the first portion (26A) of network (22) in accordance with the first data transmission protocol.
9. Web services server (24) adapted to transmit a message containing data relating to a banking transaction between at least first (14) and second (16) elements of payment chain (12) interconnected by a network (22) data transmission characterized in that it is connected:
- the first member (14) of the payment chain (12) via a public access network of the type TCP / IP protocol, forming a first portion (26A) of the data transmission network (22) and,
- the second member (16) of the payment chain (12) by a second part (26B) of the data transmission network (22), and in that it comprises:
- means for transmitting to the first element of a first data structure corresponding to a service, used through a first portion (26A) of the network (22) according to a first data transmission protocol,
- receiving means (54) the message containing data according to the first structure,
- means for processing the message,
- transmitting means (66) the processed message to the second member (16) through the second portion (26B) of the network (22) in accordance with a second data transmission protocol.
10. Server according to claim 9 characterized in that it comprises means for checking the conformity of the message received with respect to banking regulations and standards.
1 1. Server according to one of claims 9 or 10 characterized in that it comprises translation means of the first message data structure into a second of the message data structure for use in the second part (26B ) of the data transmission network (22).
12. First element (14) of an electronic payment chain (12) adapted to transmit a message containing data relating to a banking transaction characterized in that it comprises:
- selection means of a Web service,
- means for receiving a first data structure corresponding to said service and used through a first portion (26A) of the network (22) according to a first data transmission protocol,
- means of compliance of the message to the first structure,
- the message transmitting means.
13. The system (10) comprising at least a first element (14) according to claim 12, a second member (16) connected to the first element by a network (22) for transmitting data, and at least one (24) server at least one web service according to one of claims 9 to 1 1, the first and second members being adapted to transmit therebetween information regarding a bank transaction.
14. Web Service, characterized in that it is adapted to the implementation of the system (10) according to claim 13.
PCT/FR2007/051913 2006-09-12 2007-09-11 System comprising an electronic money chain, method implementing this system, web service and web services server WO2008031987A1 (en)

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WO2001007979A2 (en) * 1999-07-21 2001-02-01 Sun Microsystems, Inc. Application firewall
US20030126094A1 (en) * 2001-07-11 2003-07-03 Fisher Douglas C. Persistent dynamic payment service
WO2003048996A1 (en) * 2001-12-05 2003-06-12 Davo Financial Services Llc Secure digital escrow account transactions system and method
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