WO2015163771A1 - Systèmes de paiement - Google Patents

Systèmes de paiement Download PDF

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Publication number
WO2015163771A1
WO2015163771A1 PCT/NZ2015/050048 NZ2015050048W WO2015163771A1 WO 2015163771 A1 WO2015163771 A1 WO 2015163771A1 NZ 2015050048 W NZ2015050048 W NZ 2015050048W WO 2015163771 A1 WO2015163771 A1 WO 2015163771A1
Authority
WO
WIPO (PCT)
Prior art keywords
purchasing
authentication
point
sale
transaction
Prior art date
Application number
PCT/NZ2015/050048
Other languages
English (en)
Inventor
Julien Truesdale
Original Assignee
Julien Truesdale
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 Julien Truesdale filed Critical Julien Truesdale
Publication of WO2015163771A1 publication Critical patent/WO2015163771A1/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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

  • This invention relates to methods and apparatus for conducting a commercial transaction, and has particular relevance to wireless or contactless transaction systems.
  • POS point of sale
  • Radio frequency communication may occur in a number of ways, but in most instances the communication is essentially in the near field i.e. only a few
  • Contactless smart cards contain a security system with tamper resistant properties, for example a secure cryptic processor and a secure file system.
  • a magnetic field which is effective within a limited range is produced by the point of sale card reader device and this field is received by an antenna embedded in the contactless smart card.
  • the energy in the field is used to energise a circuitry within the card so that
  • an authentication device to wirelessly communicate information to one of the purchasing device or the point of sale device to enable the transaction to be completed.
  • the purchasing device comprises a payment card.
  • the purchasing device comprises a portable mobile electronic and/or communication device such as a smart phone or smart watch.
  • the authentication device can comprise a mobile electronic and/or communication device such as a smart phone or smart watch.
  • the authentication device comprises a personal item or wearable item such as spectacles (including for example google glass), a watch, or jewellery.
  • the purchasing device comprises a portable electronic device such as a smart phone and the authentication device comprises either a card or a personal item which may be worn or usually carried by a user.
  • a point of sale device to wirelessly communicate transaction information to or from a purchasing device
  • the invention provides a method for performing a commercial transaction, comprising:
  • a point of sale device to wirelessly communicate transaction information to or from a purchasing device
  • the purchasing device comprises a contactless payment card
  • the purchasing device comprises a mobile electronic and/or communication device such as a smart phone or smart watch for example.
  • the authentication device can comprise a mobile electronic and/or communication device such as a smart phone or smart watch.
  • the authentication device comprises a personal item or wearable item such as spectacles (including for example google glass), a watch, or jewellery.
  • the purchasing device comprises a portable electronic device such as a smart phone and the authentication device comprises either a card or a personal item which may be worn or usually carried by a user.
  • the invention provides apparatus for performing a commercial transaction, the apparatus having communication means adapted to wireless communicate with a point of sale device, and being adapted to wirelessly receive authentication information from an authentication device.
  • the invention consists in any one or more of the features described in this document either alone or in combination. Further aspects of the invention will become apparent from the following description.
  • Figure 1 is diagrammatic illustration of apparatus for facilitating a commercial transaction
  • Figure 2 is a flow chart of a process which may be used in conjunction with the apparatus of Figure 1 .
  • the apparatus and processes described further below allow more secure use of contactless payment systems by including an authentication or verification mechanism which reduces the risk of fraudulent transactions whilst still providing the ease, speed and convenience of contactless payment processing.
  • the authentication is performed by a physically separate device which a purchaser would typically carry along with the device which is used as the primary means of making the purchase.
  • the system as illustrated includes point of sale apparatus 2 for effecting transactions at the point of sale which may, for example, be located at a merchant's premises.
  • point of sale apparatus 2 for effecting transactions at the point of sale which may, for example, be located at a merchant's premises.
  • point of sale device which is envisaged for use herein includes wireless communication means.
  • Such point of sale devices may include personal computers or tablets for example which use software as a service over cloud based systems. Others are dedicated mobile EFPOS devices for example.
  • the wireless communication may take a variety of different forms and use various protocols, as would be understood by a skilled in the art to which the invention relates.
  • the point of sale device 2 is one which can read and/or communicate with a contactless payment card, for example a card which is used in conjunction with the system branded under the trade mark Paywave.
  • a contactless payment card for example a card which is used in conjunction with the system branded under the trade mark Paywave.
  • NFC near field communications
  • BT Bluetooth
  • the point of sale device 2 is communicatively connected to a back end system represented in Figure 1 by server 4 which is configured to execute commercial transactions, for example a bank, acquirer or the like. Transactions may include those conducted by credit card schemes, banks and the like.
  • a purchasing device 6 is provided for wireless communication with the point of sale device. Furthermore, an authentication device 8 is also provided.
  • the purchasing device 6 has the ability to communicate wirelessly with the point of sale device using a wireless communication means 10 which may comprise an antenna for example or an antenna and the appropriate circuitry for providing signals to/from the antenna.
  • the processor 12 is preferably (but not necessarily) provided, depending upon the nature of the required communication. Substitute circuitry may be present instead. Whatever circuitry is used, it is preferable that there is a data or memory storage means 14 so that transaction information i.e. infromation that is desirable or necessary to enable the transaction to be processed or completed may be stored on the purchasing device.
  • the trnsaction information may comprise an identifier (for example an account or card number) which can be provided by the wireless communication means in response to an enquiry request or prompt from the point of sale device for example.
  • the purchasing device may comprise a smart card.
  • the purchasing device may comprise a smart card.
  • the purchasing device could be a mobile electronic device such as a mobile telephone, a smart watch or a device such as that marketed under the trade mark Google Glass. Therefore, it will be appreciated that the wireless communication means 10 may comprise one of a variety of technologies. In one embodiment, if the purchasing device comprises a RFID tag, then RFID technology may be used. In another embodiment, near field communication (NFC) and relevant protocols may be used. In still further embodiments, Wi-Fi or Bluetooth could be used to perform the communication required. In one embodiment the purchasing device is a device which is already known or used for conducting commercial transactions at a point of sale device in a merchant environment.
  • the authentication device 8 also includes a wireless
  • communication means such as an antenna and/or appropriate communication circuitry, optionally a processor 18 if that is required and a data or memory means 20.
  • authentication device 8 may take a variety of different forms, but in its broader sense is desirably physically separate from the purchasing device, yet carried conveniently by a purchaser using the purchasing device.
  • the authentication device 8 may comprise a RFID tag which is present in an article worn by a user, or commonly used by a user.
  • a RFID tag which may be attached to a mobile telephone or other personal electronic device.
  • an RFID tag which is incorporated into an item which may be worn by a user, for example an RFID tag may be attached to or included in a user's watch, spectacles, an item of jewellery or a similar article.
  • the RFID tag if that is the form adopted for the authentication device 8, may be used for other purposes.
  • RFID tag for another purpose such as a tag which is used as an identifier for public transport, or as part of a loyalty programme or similar scheme
  • that RFID tag may also be used as the authentication device 8 in the system described in this document.
  • the authentication device 8 may comprise an article such as a key fob, or another device or token which is often used by an individual.
  • a device which has another security purpose may be used.
  • a contactless car key, office or house key may be provided with an identifier that can also be used to authenticate of verify the transaction. In this way the existing communication capabilities of a device may be used without having to provide dedicated apparatus.
  • the purchasing device or the authentication device may be implanted in the user, for example being provided subcutanelously as thus constantly securely associated with the user.
  • Such devices may be powered by long life batteries, or wirelessly chargeable batteries, or may be capable of being energised by a field i.e. an NFC device or a device which operates using similar principles.
  • the authentication device 8 could embody another personal electronic device such as a mobile telephone or smartphone for example. If that is the case, then the smartphones inherent communication abilities may be used to perform the relevant wireless communication, and the smart phone may be enabled to perform the relevant tasks by downloading an app for example.
  • FIG. 2 an example of an overall process flow is shown for use of the apparatus described with reference to Figure 1 , when performing a commercial transaction.
  • the process starts at step 30 with a user wishing to purchase a product or service from a merchant using a point of sale system.
  • the user will move the purchasing device 6 insufficiently close proximity to the point of sale apparatus 2 in order to establish communication between the devices as shown in step 32.
  • this document refers to at least a query being made electronically by the point of sale device to which data is provided in response by the purchasing device (or vice versa).
  • Those skilled in the art to which the invention relates will understand that a variety of different communication protocols or transaction methodologies are possible.
  • various background checks may be made from the back end server if required, for example information such as whether the purchasing device is blacklisted in some way (for example being reported stolen) available balances etc.
  • this data can be accessed at a later stage in the process.
  • the next step 34 is a check which can be performed for verification or authentication. There are two convenient possible pathways over which this may occur, as shown in broken lines 22 and 24 in Figure 1 .
  • Communication path 22 in Figure 1 illustrates the authentication device providing the
  • the purchasing device may emit a signal which requests a response from the authentication device.
  • the authentication device may simply regularly emit a communication signal which is detected by the purchasing device.
  • the authentication device may be powered by a field provided by the point of sale apparatus 2 in which case the authentication device is inactive until such time as it is within a relatively close range of the point of sale device so that it is energised in order to provide a signal to the purchasing device whether that authentication signal is requested by the purchasing device or otherwise.
  • the communication path 22, although shown in Figure 1 as being a path between the wireless communication apparatus 10 and 16 of the two devices may be performed by separate communication apparatus resonant on each device.
  • the wireless communication apparatus 10 and 16 of the two devices may be performed by separate communication apparatus resonant on each device.
  • communication means reference 10 and 16 in Figure 1 may comprise a plurality of discreet communication interfaces or protocols.
  • the other alternative communication path 24 is one between the authentication device and the point of sale apparatus 2.
  • the authentication device provides an identifier or verifier directly to the point of sale device so the point of sale device can match that data with data provided by the purchasing device 6 and therefore authorise the transaction.
  • the wireless communication interface is used in the step may differ from those used between the point of sale device 2 and the purchasing device 6.
  • the purification information is provided from the authentication device in step 36 and this is checked in step 34. If verification is confirmed, then the process proceeds with the exchange of the relevant transaction data instead 38. However, alternatively, the verification check may occur after transaction data is exchanged as shown in decision step 40 just prior to the final step of confirming the transaction and processing the payment in step 42.
  • the verification information which is provided by the authentication device may take a variety of different forms. This will be appreciated by the person skilled in the art. If communication path 22 is used, then the simplest form of communication is simply an encrypted identifier the presence of which indicates that the authentication device 8 is either: a) within a certain predefined range of the purchasing device, or b) is within a predefined range of the point of sale apparatus (for example being energised by the point of sale apparatus).
  • the authentication device may in its simplest form simply provide an identifier or other appropriate or similar form of verification to the point of sale device. This is then used by point of sale device to verify the transaction for example by matching it with data relating to the purchasing device which is being used.
  • the data which is passed over communication path 24 may for example be confirmatory location data.
  • the authentication device comprises a device which has location identifying a capability, such as a smart phone or smart watch or similar device, then the location data can be passed over path 24 so that the point of sale apparatus 2 may match the location data with the known location of the point of sale apparatus and therefore verify that the authentication device is in the same proximity as the purchasing device i.e.
  • the authentication device may provide location information to the back end system without having to establish a communication link with a point of sale device 2. Therefore, a Wi-Fi link or a cellular communication link may be used to transfer information over path 26 so that data matching for example can be performed at the back end and an authentication signal or message can be sent from the back end 4 to the point of sale device if required. Similarly, the verification may still occur at the point of sale device 2. Thus authentication or verification infromation may be communicated to the POS device indirectly.
  • step 44 the system checks to see whether a transaction value limit may be imposed if the verification is not enabled.
  • a user or a bank may be satisfied that in the absence of authentication or verification, the transaction limit may be reduced to a level for example $50 so as to manage the risk of a stolen or misused purchasing device. This may in contrast to a much higher limit should the authentication or verification be confirmed in steps 34 or 40. If a transaction value limit is applicable, then that new limit is set on the transaction in step 46 and if the transaction is one within the value limit, then the transaction can be confirmed a process in step 42.
  • step 44 is simply disconnection of the payment communication in step 48 after which the process ends at step 50.

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

Abstract

Une transaction commerciale, telle qu'une transaction de point de vente sans contact, utilise un dispositif d'achat (6), tel qu'une carte de paiement sans contact, pour communiquer sans fil des informations de transaction à un dispositif de point de vente (2). Un dispositif d'authentification (8), tel qu'un téléphone intelligent ou une montre à puce, peut être utilisé pour communiquer sans fil des informations d'authentification ou de vérification au dispositif d'achat ou au dispositif de point de vente pour permettre de terminer la transaction.
PCT/NZ2015/050048 2014-04-23 2015-04-23 Systèmes de paiement WO2015163771A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NZ62408914 2014-04-23
NZ624089 2014-04-23

Publications (1)

Publication Number Publication Date
WO2015163771A1 true WO2015163771A1 (fr) 2015-10-29

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/NZ2015/050048 WO2015163771A1 (fr) 2014-04-23 2015-04-23 Systèmes de paiement

Country Status (1)

Country Link
WO (1) WO2015163771A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020129156A (ja) * 2019-02-07 2020-08-27 オムロン株式会社 決済処理支援端末、取引処理システム、決済処理支援方法、および決済処理支援プログラム
US11637825B2 (en) 2019-01-11 2023-04-25 Visa International Service Association Authentication with offline device

Citations (7)

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Publication number Priority date Publication date Assignee Title
US20050119978A1 (en) * 2002-02-28 2005-06-02 Fikret Ates Authentication arrangement and method for use with financial transactions
US20050269402A1 (en) * 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
US20070278291A1 (en) * 2005-12-22 2007-12-06 Rans Jean-Paul E Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers
US20090319428A1 (en) * 2008-06-24 2009-12-24 International Business Machines Corporation Authorizing An Electronic Payment Request
WO2011089423A2 (fr) * 2010-01-19 2011-07-28 Proxama Limited Appareil et procédé d'authentification sécurisée
US20110313922A1 (en) * 2009-06-22 2011-12-22 Mourad Ben Ayed System For NFC Authentication Based on BLUETOOTH Proximity
KR20130082665A (ko) * 2011-12-13 2013-07-22 주식회사 케이티디에스 단말의 결제 프로세스를 수행하는 결제 서버 및 방법, 그리고 단말

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050119978A1 (en) * 2002-02-28 2005-06-02 Fikret Ates Authentication arrangement and method for use with financial transactions
US20050269402A1 (en) * 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
US20070278291A1 (en) * 2005-12-22 2007-12-06 Rans Jean-Paul E Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers
US20090319428A1 (en) * 2008-06-24 2009-12-24 International Business Machines Corporation Authorizing An Electronic Payment Request
US20110313922A1 (en) * 2009-06-22 2011-12-22 Mourad Ben Ayed System For NFC Authentication Based on BLUETOOTH Proximity
WO2011089423A2 (fr) * 2010-01-19 2011-07-28 Proxama Limited Appareil et procédé d'authentification sécurisée
KR20130082665A (ko) * 2011-12-13 2013-07-22 주식회사 케이티디에스 단말의 결제 프로세스를 수행하는 결제 서버 및 방법, 그리고 단말

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11637825B2 (en) 2019-01-11 2023-04-25 Visa International Service Association Authentication with offline device
JP2020129156A (ja) * 2019-02-07 2020-08-27 オムロン株式会社 決済処理支援端末、取引処理システム、決済処理支援方法、および決済処理支援プログラム
JP7111016B2 (ja) 2019-02-07 2022-08-02 オムロン株式会社 決済処理支援端末、取引処理システム、決済処理支援方法、および決済処理支援プログラム

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