WO2013109134A1 - Carte intelligente de paiement hybride - Google Patents

Carte intelligente de paiement hybride Download PDF

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Publication number
WO2013109134A1
WO2013109134A1 PCT/MY2013/000003 MY2013000003W WO2013109134A1 WO 2013109134 A1 WO2013109134 A1 WO 2013109134A1 MY 2013000003 W MY2013000003 W MY 2013000003W WO 2013109134 A1 WO2013109134 A1 WO 2013109134A1
Authority
WO
WIPO (PCT)
Prior art keywords
smartcard
value
transaction
server
user
Prior art date
Application number
PCT/MY2013/000003
Other languages
English (en)
Inventor
Eng Sia Lee
Jin Feei Jeffrey LOH
Original Assignee
Mobile Money International Sdn Bhd
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 Mobile Money International Sdn Bhd filed Critical Mobile Money International Sdn Bhd
Priority to CN201380009958.0A priority Critical patent/CN104169955A/zh
Priority to IN5737DEN2014 priority patent/IN2014DN05737A/en
Publication of WO2013109134A1 publication Critical patent/WO2013109134A1/fr

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
    • G06Q20/22—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
    • G06Q20/30—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
    • 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
    • G06Q20/352—Contactless payments by cards

Definitions

  • the invention relates to a payment card, and in particular, but not limited to, contactless smartcards.
  • Debit cards are well known, comprising a plastic card which is used at a point of sale to communicate with the user's bank and authorise a transaction.
  • the transaction is guaranteed as the payment is deducted directly from the user's bank account.
  • a disadvantage of this system is that if communication with the bank is unavailable or interrupted, the transaction cannot be completed.
  • Electronic payment systems such as Touch 'n Go have been used in Malaysia for many years.
  • the system utilises prepayments wherein cash is stored on a credit card sized smartcard made of plastic with microchip technology embedded therein.
  • a user loads the smartcard with cash using a dedicated reload machine or via the ATM of certain banks.
  • the smartcard can then be used at appropriate points instead of cash or tickets, simply by pressing the smartcard against the relevant terminal, whereupon the relevant amount of cash is deducted from the smartcard.
  • the advantages of this system are that the requirements for buying individual tickets and for handling cash at each transaction is removed, and because the cash is prepaid i.e. stored on the smartcard, communication with the user's bank is not required.
  • the cash on existing smartcards can only be used for transactions at the designated terminals, and not for example for internet transactions.
  • An aim of the invention is to provide a smartcard system which can also be used for internet transactions.
  • a smartcard system comprising:
  • a smartcard on which is stored cash defined by one or more values, including an offline limit value and a secured value;
  • a server on which a user can create an account and a recorded value is stored; one or more transaction terminals capable of communication with the server, the transaction terminals being capable of reading and/or writing a value on the smartcard;
  • the offline limit value is reduced by an amount corresponding to the transaction, and the transaction terminal communicates at least the offline limit value of the smartcard to the server;
  • the server sends an instruction to at least one transaction terminal to decrease the secured value by said amount and increase the offline limit value by said amount when the smartcard is next used for a transaction.
  • the server administrates the cash flow between the offline limit value and secured value such that at least the cash defined by the offline limit value can be used for transactions at terminals, whereas the cash defined by the secured value can be used for internet transactions as described below.
  • the server sends the instruction if the offline limit value falls below a predetermined threshold.
  • the value displayed to the user is the total value of the offline limit value and the secured value. Thus the cash flow is typically hidden from the user.
  • the server sends an instruction to maintain the offline limit value and secured value in a specific ratio.
  • the server may maintain the combined balance on the smartcard as 70% in the secured value and 30% in the offline limit value.
  • the secured value of the smartcard is the recorded value most recently communicated from the server to the transaction terminals.
  • an amount of cash is stored in the user's account, such that if the secured value falls below a predefined threshold, the server deducts a predetermined amount of cash from the user's account and sends an instruction to at least one transaction terminal to increase the offline limit value and/or secured value by amounts totalling the predetermined amount when the smartcard is next used for a transaction.
  • the recorded value is also updated as appropriate.
  • the system has the advantage that communication with the server to approve the terminal transaction is not required during the terminal transaction as the top-up occurs at the subsequent terminal transaction.
  • the smartcard informs the server that the offline limit value is low, after a first terminal transaction if communication is not immediately available, and is topped up when the next terminal transaction occurs, the server having instructed the terminal to do so in the meantime.
  • the offline limit value is set to 0, such that the balance on the smartcard is defined by the secured value.
  • transactions can only take place if communication with the server is available.
  • the smartcard is therefore a hybrid payment card in that it stores an amount of cash thereon like a prepayment card as an offline limit value, which can also be topped up automatically with an assured amount, akin to a direct debit card, via amendment of the secured value, which can also be used for internet transactions.
  • the smartcard is not linked directly to a user's bank account, so if the smartcard is lost or stolen, the risk of significant loss is minimal.
  • a transaction terminal has to be registered with the smartcard to enable the transaction terminal to read and/or write the smartcard.
  • the transaction terminal is registered by entering a personal identification number (PIN).
  • PIN personal identification number
  • the PIN is the last four digits of the user's identification card, but it will be appreciated that any sequence of characters could be used.
  • the instruction is sent to all the registered transaction terminals.
  • the instruction has a unique identifier which is also written to the smartcard when the offline limit value and/or secured value is increased, to prevent the same instruction being illegitimately applied multiple times.
  • the smartcard is registered to the user's account on the server by providing details of the user's name, bank account and identification card number, or other identity means. Typically the details are provided to the server by SMS using a mobile phone.
  • the server sends an instruction to the terminal to write the identification card number and mobile phone number to the smartcard when it is used.
  • the server sends an SMS to the user's mobile phone to ask for approval to increase a value on the smartcard when it falls below the corresponding threshold, and/or to confirm the update to value.
  • an administrator sets the thresholds, but it will be appreciated that the user could also be authorised to do this.
  • the user can conduct other transactions using the recorded value, such as internet transactions.
  • the server sends an instruction to at least one transaction terminal to decrease the secured value by the transaction amount when the smartcard is next used for a transaction.
  • the amount that the user can spend in a transaction is the sum of the cash in the user's account and the cash defined by the recorded value. Thus the user can spend more in an internet transaction than is held in the user's account if the additional amount is within the recorded value corresponding to the secured value stored on the smartcard.
  • an instruction is sent to at least one transaction terminal to decrease the secured value by the amount exceeded when the smartcard is next used for a transaction.
  • the server debits the smartcard by the amount by which the transaction exceeded the amount in the user's account.
  • cash can be transferred from the account or smartcard of one user to the account or smartcard of another user via mobile phone or web terminal.
  • an SMS or web instruction is sent from a first user to the server including details of the second user's account or smartcard, and the transfer amount.
  • the server amends the respective secured values accordingly.
  • the smartcard can be disabled by sending an SMS to the server or calling a pre-specified number associated with the server. Thus the smartcard can be blocked if it is lost or stolen.
  • the user can send a request to top up the amount of cash defined by the secured value via SMS, or calling a specified telephone number. Typically the account on the server or the secured value is topped up from the user's bank account.
  • cash is stored as a total value comprising an offline limit value on a smartcard and a secured value on the smartcard, the cash defined by the offline limit value being useable at one or more transaction terminals in respect of payment for goods and/or services;
  • the transaction terminal communicates at least the offline limit value of the smartcard to a server on which a user has an account;
  • the server sends an instruction to at least one transaction terminal to decrease the secured value by said amount and increase the offline limit value by said amount when the smartcard is next used for a payment.
  • the server sends an instruction if the offline limit value on the smartcard falls below a predetermined threshold.
  • the user creates the account on the server by using their mobile phone to send their details via SMS to the server to register the smartcard with the server.
  • the server sends an instruction to the terminal to write the user's details and mobile phone number to the smartcard when it is first used.
  • the user enters a personal identification number when a transaction terminal is first used with the smartcard to register the transaction terminal with the smartcard for a specified period of time and allow the transaction terminal to read and/or write the smartcard.
  • the instruction is sent to all the registered transaction terminals.
  • the secured value of the smartcard is stored as a recorded value on the server.
  • the secured value is the recorded value most recently communicated from the server to the transaction terminals.
  • the cash defined by the recorded value can be used for internet transactions.
  • an instruction is sent to at least one transaction terminal to decrease the secured value by the internet transaction amount when the smartcard is next used for a payment.
  • the user stores an amount of cash in the account on the server, such that if the secured value falls below a predefined threshold, the server deducts a predetermined amount of cash from the account and sends an instruction to at least one transaction terminal to increase the offline limit value and/or secured value by amounts totalling the predetermined amount when the smartcard is next used for a transaction.
  • the user can make payments for internet transactions using the cash in the account on the server.
  • payments for an internet transaction is made using the cash in the server account, which exceeds the amount of cash in the server account, an instruction is sent to the registered transaction terminals to decrease the secured value by the amount exceeded, when the smartcard is next used for a payment.
  • FIG. 1 is a schematic view of a smartcard system according to an embodiment of the invention. Detailed Description
  • Figure 1 illustrates a smartcard system comprising a server 2 on which a user of smartcard 20 has an account, and a plurality of transaction terminals 4, 6, 8, 10, 12 in communication with the server 2.
  • the transaction terminals 4, 6, 8, 10, 12 can read or write to a smartcard 20 to perform sales or top-up transactions.
  • the smartcard 20 stores cash, defined by an offline limit value and a secured value, which can be used in transactions.
  • a sales transaction is a transaction where one or more of the values stored in the smartcard is decreased whereas a top-up transaction is a transaction where one or more of the values stored in the smartcard is increased.
  • a smartcard may be registered and associated with a user. For example when a smartcard 20 is sold, the user is also given a PIN associated with the smartcard so that he may register online (using the smartcard serial number and the PIN) to create a web account. He may also register his mobile phone 14 at the same time.
  • All smartcard transactions done on terminals are sent back to the server.
  • the user may view these transactions records and to effect transactions using his web account.
  • the user may also perform online (Internet) transaction using his web account.
  • the smartcard Before a sales transaction can be performed on a terminal for the first time, the smartcard must first be registered 18 with the terminal 4. This may be done by the user entering a personal identification number when prompted.
  • Transactions are only allowed when a correct PIN is entered and the smartcard can thus be associated with this terminal, preferably for a certain timeframe. Prior to expiry of this timeframe, the user need not re-enter the PIN for each transaction. In this manner, there may be hundreds of terminals out there, but there are only very few terminals associated to a particular smartcard. This is to ease communication between the server and the POS terminal. For example, to blacklist a smartcard, a BlackList instruction is only required to be sent to those terminals associated to the smartcard and not the totality of the terminals. In the association process, the terminal may preferably be online so that the smartcard can be checked to see if it has been cancelled and for the data on the smartcard to be updated.
  • the server 2 keeps a record of the registered terminals for each smartcard.
  • there also may be General terminals where no pre-registration is required such as the ones that need to process very high transaction volume speedily, e.g. the POS terminal found on buses.
  • the user may not be required to enter a PIN.
  • these terminals usually only accept small transactions and hence the fraud risks are mitigated.
  • the smartcard 20 can be used as a prepayment cash card on a terminal in much the same way as a Touch 'n Go card.
  • the smartcard of the invention may store two values, namely an offline limit value and a secured value, the sum of which comprise the combined balance visible to the user.
  • the terminal shall communicate the transaction details back to server 2.
  • the corresponding value of the secured value of smartcard 20 is stored as the recorded value on the server 2.
  • the offline limit value is decreased.
  • the smartcard can be used with transaction terminals even when these are offline i.e. when there is no communication between the transaction terminals and the central server 2.
  • the secured value is RM70
  • the offline limit value is RM30
  • the combined balance on the card is RM100.
  • the transaction terminal 8 informs 24 the server 2 of the sale, and server 2 then deducts the sales amount (RM20 in this example) from the recorded value (leaving RM50 in this example).
  • the server 2 then sends an instruction 26, 28, 30 to the registered transaction terminals 6, 8, 10 to increase the offline limit value and at the same time decrease the secured value by the sales amount when the smartcard 20 is next used for a transaction.
  • the smartcard would then have a secured value of RM50 and an offline limit value is RM30.
  • the instruction 26, 28, 30 has a unique identifier which is also written to the smartcard so that when one of the other registered terminals 6, 10 is used, the same instruction is not executed twice.
  • the terminal must be online (i.e. where realtime communication is possible between the terminal and the server) for the transaction to go through.
  • the totality of the combined balance may be used for the sales transaction.
  • the secured value is RM70 and the offline limit value is RM30
  • a sales transaction of RM45 would result in the smartcard subsequently having a secured value of RM25 and an (unchanged) offline limit value of RM30.
  • the recorded value on the server would reflect that of the secured value of the smartcard i.e. RM25.
  • the portion of the combined balance that is allocated to the secured value and offline limit value may be varied depending on the different card types or applications.
  • the system always tries to maintain RM30 in the offline limit value, and if the combined balance falls below RM30, the whole portion is kept only in the offline limit value.
  • the portion allocated to the offline limit value is always set to RMO and the secured value RM100 - in this case, the terminal must be online for any sales transaction to go through.
  • the combined balance may be allocated based on ratio, say 70% to the offline limit value and 30% to the secured value.
  • the recorded value on server 2 can be used independently for sales or transactions going through server 2. This is especially useful for e-commerce or Internet purchases.
  • the central server knows that RM70 is the recorded balance of the card and hence the customer can safely conduct online transactions up to a total of RM70. If for example the customer spends RM50 online, i.e. for Internet or e- commerce purchases, RM50 is deducted from the recorded value and the secured value on the card is updated to reflect the reduced total balance via the registered terminals the next time the card is used.
  • the terminals may be better for the terminals to be operating in an autonomous mode where transactions may be done/approved immediately so that there is no delay if the sales value does not exceed the offline limit value.
  • the transaction data is then sent back to the central server in a leisurely manner - it is not really important if the server is informed about the transaction immediately, it but could be minutes or hours later, or by batch.
  • a user can also pay for online transactions 34 to a third party 36 using the recorded value on the server 2. After a sales transaction is completed by the server using the recorded value, an instruction is sent to the registered transaction terminals 6, 8, 10 to decrease the secured value by the sales value when the smartcard 20 is next used for a transaction.
  • the user can transfer cash from their smartcard 20, to the smartcard 60 of another user, such as by sending an SMS text message (via mobile phone 14) with the relevant details to the server 2 or a secured web instruction 44 via web terminal 40.
  • the server deducts an amount from the recorded value associated with smartcard 20, at the same time updates the recorded value associated with smartcard 60, and also sends an instruction 66 to the registered terminals 6, 8, 10, 12 of the smartcards 20, 60 so that their secured and offline limit values can be amended 64 accordingly when the smartcards 20, 60 are next used 62 at the terminals.

Abstract

L'invention concerne un système de carte intelligente comprenant une carte intelligente (20) sur laquelle est stocké de l'argent défini par une ou plusieurs valeurs, comprenant une valeur de limite hors ligne et une valeur sécurisée, un serveur (2) sur lequel un utilisateur peut créer un compte et une valeur enregistrée est stockée, et un ou plusieurs terminaux de transaction (4, 6, 8, 10, 12) qui réduisent la valeur de limite hors ligne de la carte intelligente (20) et communiquent (24) celle-ci au serveur (2) lorsque la carte intelligente (20) est utilisée pour une transaction, le serveur (2) envoyant une instruction (26, 28, 30) aux terminaux de transaction (6, 8, 10) pour diminuer la valeur sécurisée du montant de transaction et augmenter la valeur de limite hors ligne sur la carte intelligente dudit montant lorsque la carte intelligente (20) est utilisée par la suite (32) pour une transaction.
PCT/MY2013/000003 2012-01-16 2013-01-15 Carte intelligente de paiement hybride WO2013109134A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN201380009958.0A CN104169955A (zh) 2012-01-16 2013-01-15 混合型支付智能卡
IN5737DEN2014 IN2014DN05737A (fr) 2012-01-16 2013-01-15

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
MYPI2012000216 2012-01-16
MYPI2012000216 2012-01-16

Publications (1)

Publication Number Publication Date
WO2013109134A1 true WO2013109134A1 (fr) 2013-07-25

Family

ID=48799494

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/MY2013/000003 WO2013109134A1 (fr) 2012-01-16 2013-01-15 Carte intelligente de paiement hybride

Country Status (3)

Country Link
CN (1) CN104169955A (fr)
IN (1) IN2014DN05737A (fr)
WO (1) WO2013109134A1 (fr)

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US8959034B2 (en) 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
US9020858B2 (en) 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
EP2953078A1 (fr) * 2014-06-03 2015-12-09 LG CNS Co., Ltd. Système d'accès sécurisé et son procédé de fonctionnement
FR3068555A1 (fr) * 2017-06-30 2019-01-04 Oberthur Technologies Procede de verification mis en oeuvre par un dispositif electronique au cours d'au moins une transaction avec changement de limites
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system

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CN104680367B (zh) * 2015-03-25 2018-06-22 山东威尔数据股份有限公司 一种基于电子钱包同步在线消费系统的离线支付实现方法
US20160371716A1 (en) * 2015-06-19 2016-12-22 Google Inc. Loyalty rewards in offline payment system
GB2542572A (en) * 2015-09-22 2017-03-29 Silverleap Tech Ltd Method and system for updating a contactless smartcard and a computer readable medium for performing said method

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US20030097402A1 (en) * 2001-10-01 2003-05-22 Per Vindeby System and method for electronically interchanging values
US20070168260A1 (en) * 2005-09-30 2007-07-19 Mastercard International Incorporated Payment apparatus and method

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US20090070691A1 (en) * 2007-09-12 2009-03-12 Devicefidelity, Inc. Presenting web pages through mobile host devices

Patent Citations (2)

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Publication number Priority date Publication date Assignee Title
US20030097402A1 (en) * 2001-10-01 2003-05-22 Per Vindeby System and method for electronically interchanging values
US20070168260A1 (en) * 2005-09-30 2007-07-19 Mastercard International Incorporated Payment apparatus and method

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8959034B2 (en) 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
US9020858B2 (en) 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
EP2953078A1 (fr) * 2014-06-03 2015-12-09 LG CNS Co., Ltd. Système d'accès sécurisé et son procédé de fonctionnement
US9237151B2 (en) 2014-06-03 2016-01-12 Lg Cns Co., Ltd. Secure access system and operating method thereof
FR3068555A1 (fr) * 2017-06-30 2019-01-04 Oberthur Technologies Procede de verification mis en oeuvre par un dispositif electronique au cours d'au moins une transaction avec changement de limites

Also Published As

Publication number Publication date
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IN2014DN05737A (fr) 2015-04-10

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