WO2010131226A4 - Contactless payment device, method of contactless top-up of electronic money on a payment device - Google Patents

Contactless payment device, method of contactless top-up of electronic money on a payment device Download PDF

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Publication number
WO2010131226A4
WO2010131226A4 PCT/IB2010/052149 IB2010052149W WO2010131226A4 WO 2010131226 A4 WO2010131226 A4 WO 2010131226A4 IB 2010052149 W IB2010052149 W IB 2010052149W WO 2010131226 A4 WO2010131226 A4 WO 2010131226A4
Authority
WO
WIPO (PCT)
Prior art keywords
payment
payment device
cryptogram
mobile communication
fact
Prior art date
Application number
PCT/IB2010/052149
Other languages
French (fr)
Other versions
WO2010131226A1 (en
Inventor
Miroslav Florek
Michal Masaryk
Original Assignee
Logomotion, S.R.O.
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 SK500272009A external-priority patent/SK288717B6/en
Priority claimed from SK50016-2010A external-priority patent/SK500162010A3/en
Application filed by Logomotion, S.R.O. filed Critical Logomotion, S.R.O.
Priority to EP10730522A priority Critical patent/EP2430620A1/en
Publication of WO2010131226A1 publication Critical patent/WO2010131226A1/en
Publication of WO2010131226A4 publication Critical patent/WO2010131226A4/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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]
    • G06Q20/3226—Use of secure elements separate from 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
    • G06Q20/30—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
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • 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
    • G06Q20/30—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Cashless payment device with prepaid credit contains a block for storage of data about the of current credit amount and is located on the removable memory card (1), which is located in the mobile communication device (4). In case of contactless top-up of electronic money on the pre-paid card, a message, preferably in the form of SMS, with the information about prepared money for the increase of the current credit is sent from the host (2) to the corresponding mobile communication device (4) according to the database of assigned numbers. The authorization request cryptogram, especially in the form of ARQC, is generated in the block on the payment device and the block is switched into the IDLE mode, in which the same authorization request cryptogram is generated permanently until the corresponding authorization response cryptogram is received, especially in the form of ARPC, which is created in the host (2).

Claims

AMENDED CLAIMS received by the International Bureau on 29 November 2010 (29.11.10)
1. A cashless payment device with a pre-paid credit containing a block with a payment-terminal application and a block for the storage of the current credit amount i s ch aracteri s e d by the fact that it is located in the secure element (3) in the removable memory card (1) located in the mobile communication device (4), where the secure element (3) is connected to the microcontroller (6) for the realization of the top-up application and the microcontroller (6) with the unit for the creation of the request cryptogram, preferably in the form of ARQC, is located in the removable memory card (1), where the top-up application, preferably of the EMV standard, is a part of the payment-terminal application.
2. Cashless payment device as in the claim l i s characteri sed by th e fact that the removable memory card (1) is inserted into the slot for extending accessories used beyond the range of the mobile communication device's (4) basic function and it is connected to the mobile communication device (4) over the interface (5).
3. Cashless payment device as in any of the claims 1 or 2 i s characteri s ed by the fact that the memory card (1) is of the SD type or miniSD or microSD card or M2 card.
4. Cashless payment device as in any of the claims 1 to 3 i s characteri s ed by the fact that it is located on an independent domain of the secure element (3) having several domains.
5. Cashless payment device as in any of the claims 1 to 4 i s ch aracteri s ed by the fact that the memory card (1) is equipped by a contactless communication element (7), preferably even an antenna connected with the contactless communication element (7).
6. Cashless payment device as in any of the claims 1 to 5 i s characteri s e d by the fact that the removable memory card (1) has to access modes -
- access mode for the function of the extension of the mobile communication's devices (4) memory capacity, which blocks the access to Secure Element (3) 17
- access mode for the payment function of the removable memory card (1) with allowed access to the Secure Element (3) with the payment card unit (9),
where the access mode for the payment function of the removable memory card (1) is active only after physical press of the hardware payment button (8).
7. Cashless payment device as in any of the claims 1 to 6 i s characteri s ed by th e fact that the software in the mobile communication device (4) blocks the possibility to emulate the signal form the payment button (8) initiated by another output.
8. The method of contactless top-up of electronic money on the payment device with request and generation of authorization request cryptogram, especially in the form of ARQC, where the authorization request cryptogram is created in the block on the payment device, and with the creation of authorization response cryptogram, especially in the form of ARPC, where the authorization response cryptogram is created in the host, in which there is a of assigned payment devices to phone numbers of mobile communication devices is characterised by the fact that the message, preferably in the SMS form, with information about prepared money for the increase of the current credit is sent from the host (2) to the corresponding mobile communication device (4) according to the database of assigned payment devices to phone numbers; subsequently, a authorization request cryptogram, especially in the ARQC form is generated in the block on the payment device within the removable memory card (1); and the block is switched into the state, in which it generates the same authorization request cryptogram and does that permanently until a corresponding authorization cryptogram, especially in the ARPC form.
9. Method of contactless top-up of electronic money on the payment device as in the claim 8 is characterised by the fact that the authorization request cryptogram is sent to the host (2) in the form of SMS.
10. Method of contactless top-up of electronic money on the payment device as in the claim 8 or 9 i s ch aracteri s e d by the fact th at the authorization request cryptogram is sent to the phone number from which the mobile communication device (4) received information on the money prepared. 18
11. The method of contactless top-up of electronic money on the payment device as in any of the claims 8 to 10 i s characteri s e d by the fact that the received authorization request cryptogram is evaluated at the host (2) and the authorization response cryptogram is created, which the host (2) sends to the mobile communication device (4), where the command added to the authorization response cryptogram is realized.
12. The method of contactless top-up of electronic money on the payment device as in the claim 11 i s characteri sed by th e fact that the authorization response cryptogram received into the mobile communication device (4) is transferred into payment device in the memory card (1), if the memory card (1) is inserted into the corresponding slot of the mobile communication device (4) and in case the memory card (1) is not inserted in the corresponding slot of the mobile communication device (4), the received authorization response cryptogram is stored in the mobile communication device (4) until it is transferred into the memory card (1).
13. The method of contactless top-up of electronic money on the payment device as in any of the claims 8 to 12 i s characteri s e d by the fact that the command added to the authorization response cryptogram contains data on the change of current credit.
14. The method of contactless top-up of electronic money on the payment device as in any of the claims 8 to 13 i s characteri s e d by the fact that the creation of the request cryptogram is enabled only in the access mode for the payment function of the removable memory card (1) after the hardware payment button (8) is physically pressed.

Statement under article 19(1)

We have replaced the claims 1 and 2 with joint and changed claim 1. In the introductory part of the first claim the presence of the block with payment terminal application directly on the cashless payment device is stressed. On the cashless payment device there is also a block for storage of the data about the current credit amount. This combination is not usual and it is not described in any of the known documents - neither in Dl nor in D2. The placement of both blocks onto one device corresponds as if to the combination of the POS terminal and the payment device, which in case of currently used POS terminals makes no practical sense since the POS terminal is held by the merchant and not the user. In case of the POS terminals there is no reason to create payment cards from them.

The relations between the blocks are described indirectly in the original claim 2 and also directly in the example of the inventions realization.

The described same placement of blocks on one device ensures that both blocks can be in a stable connection with each other. The interruption of the connection between the card and the terminal would cause creation of a new, different ARQC on the card by which the termination of the regular top-up of already prepared money would be disabled.

The description of the creation of the cryptograms and the relations between the locations where the same are created are not described at all in the documents Dl and D2.

The dependant claims 3 to 8 are unchanged and transferred to the numbers 2 to 7.

The claim 9 is transferred to the number 8 and it contains the process in which the authorization request cryptogram is created on the payment device and in which the corresponding block is switched to the state in which it generates the same authorization request cryptogram and does that permanently until a corresponding authorization cryptogram, especially in the ARPC form. This kind of characteristic is not described either in Dl or D2 and it contradicts the EMV standards. Taking the afore mentioned into account, we are certain that the original claim 9, newly claim 8, in the original version fulfils not only the criterion of novelty as mentioned by the recherche notification but it also means a significant inventive step. Then even the claims 9 to 14 fulfill the criteria of patentability since they are dependent on the independent claim 8.

PCT/IB2010/052149 2009-05-14 2010-05-14 Contactless payment device, method of contactless top-up of electronic money on a payment device WO2010131226A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP10730522A EP2430620A1 (en) 2009-05-14 2010-05-14 Contactless payment device, method of contactless top-up of electronic money on a payment device

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
SKPP50027-2009 2009-05-14
SK500272009A SK288717B6 (en) 2009-05-14 2009-05-14 Non-cash means of payment, contactless method of updating the electronic money payment means
SKPP50016-2010 2010-04-19
SK50016-2010A SK500162010A3 (en) 2010-04-19 2010-04-19 Involvement of key for payment in a mobile communication device, the method of starting the payment process

Publications (2)

Publication Number Publication Date
WO2010131226A1 WO2010131226A1 (en) 2010-11-18
WO2010131226A4 true WO2010131226A4 (en) 2011-01-20

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2010/052149 WO2010131226A1 (en) 2009-05-14 2010-05-14 Contactless payment device, method of contactless top-up of electronic money on a payment device

Country Status (2)

Country Link
EP (1) EP2430620A1 (en)
WO (1) WO2010131226A1 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104933565A (en) * 2015-06-05 2015-09-23 中国银行股份有限公司 IC card transaction method and IC card transaction system
CN105848117A (en) * 2015-07-31 2016-08-10 维沃移动通信有限公司 Recharging method and recharging device

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9054408B2 (en) 2008-08-29 2015-06-09 Logomotion, S.R.O. Removable card for a contactless communication, its utilization and the method of production
US9098845B2 (en) 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device
SK288641B6 (en) 2008-10-15 2019-02-04 Smk Corporation Communication method with POS terminal and frequency convertor for POS terminal
EP2462567A2 (en) 2009-05-03 2012-06-13 Logomotion, s.r.o. A payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction
JP2015513738A (en) 2012-02-29 2015-05-14 モビーウェイブ インコーポレイテッド Method, apparatus and secure element for conducting secure financial transactions on an apparatus
TWI546748B (en) * 2013-01-15 2016-08-21 hong-jian Zhou Portable electronic trading device
WO2015021336A1 (en) 2013-08-07 2015-02-12 Lu Dat The Methods and systems for top-up
US9894216B2 (en) 2013-08-07 2018-02-13 Miltech Platform, Inc. Methods and systems for telecommunication messaging and real-time replenishment systems
CN109447627B (en) * 2018-12-19 2024-02-06 浩勉(深圳)新能源有限公司 Remote recharging device based on Lora wireless communication

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
MXPA06000174A (en) * 2003-07-02 2006-04-11 Mobipay International S A Digital mobile telephone transaction and payment system.
CN101013489A (en) 2006-07-24 2007-08-08 李佳佳 Technical method of forward purchasing ticket by mobile phone, reserving hotel and shopping paying
US20090063312A1 (en) 2007-08-28 2009-03-05 Hurst Douglas J Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104933565A (en) * 2015-06-05 2015-09-23 中国银行股份有限公司 IC card transaction method and IC card transaction system
CN105848117A (en) * 2015-07-31 2016-08-10 维沃移动通信有限公司 Recharging method and recharging device

Also Published As

Publication number Publication date
EP2430620A1 (en) 2012-03-21
WO2010131226A1 (en) 2010-11-18

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