WO2016008002A1 - Systèmes et procédés pour autoriser des individus - Google Patents

Systèmes et procédés pour autoriser des individus Download PDF

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Publication number
WO2016008002A1
WO2016008002A1 PCT/AU2015/050355 AU2015050355W WO2016008002A1 WO 2016008002 A1 WO2016008002 A1 WO 2016008002A1 AU 2015050355 W AU2015050355 W AU 2015050355W WO 2016008002 A1 WO2016008002 A1 WO 2016008002A1
Authority
WO
WIPO (PCT)
Prior art keywords
individual
token
computing device
authorising
screen
Prior art date
Application number
PCT/AU2015/050355
Other languages
English (en)
Inventor
Douglas Michael AITKEN
Original Assignee
Dma Systems Pty Ltd
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 AU2014902714A external-priority patent/AU2014902714A0/en
Application filed by Dma Systems Pty Ltd filed Critical Dma Systems Pty Ltd
Publication of WO2016008002A1 publication Critical patent/WO2016008002A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/36—User authentication by graphic or iconic representation
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4015—Transaction verification using location information
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

Definitions

  • the present invention relates to systems and methods for authorising individuals.
  • the invention has particular application to authorising individuals to access certain facilities, or to authorise payments for goods or services.
  • a reader or the like is provided at the entrance to a location which is able to recognise valid tokens and to authorise access to individuals if a valid token is detected.
  • the present invention provides a method of authorising an individual including the steps of: establishing a user account for an individual; creating a token, the token including information to cause the display of a pre-determined image on the screen of a computing device; associating the token with the user account of the individual; sending the token to a computing device of the individual and displaying the image on the screen of the individual's computing device; analysing the screen of the user's computing device and authorising the individual if the token is identified to be the token that was previously created.
  • the steps of creating and sending the token may be carried out in response to receiving a request from the individual's computing device.
  • the token may expire according to pre-determined criteria.
  • the token may be in the form of a QR code.
  • the present invention provides a method of conducting a financial transaction including a method of authorising an individual according to the first aspect of the invention.
  • the present invention provides a system for authorising an individual including: establishing means for establishing a user account for an individual; creating means for creating a token, the token including information to cause the display of a pre-determined image on the screen of a computing device; associating means for associating the token with the user account of the individual; sending means for sending the token to a computing device of the individual and displaying the image on the screen of the individual's computing device; analysing means for analysing the screen of the user's computing device.
  • Figure 1 is a schematic diagram of an embodiment of a system for conducting financial transactions which includes a system for authorising individuals according to the invention
  • Figure 2 is a schematic diagram of the installation at a vendor's premises of a vendor participating in the system of figure 1;
  • Figure 3 is an example of a QR code
  • Figure 4 shows the user interface on the mobile phone of an individual participating in the system of figure 1;
  • Figure 5 is a flow chart setting out the steps of an embodiment of a method of authorising individuals according to the invention.
  • a system 10 for conducting financial transactions.
  • the system 10 is embodied in an internet connected cloud based hosted server computer running suitably configured software under control of an operating system by way of a typical processor and memory architecture.
  • the server is connected to database 16 used for storing and retrieving information used in operating the system.
  • the server communicates via the internet 20 to receive and transmit information used in the system as will be later described.
  • An SMS message is then sent to the individual's mobile phone with instructions and details for completion of the registration process. This confirms the relationship between the individual 30, the physical mobile phone and the account.
  • the individual 30 can then access the account by means of either a purpose designed smart phone application or by means of a standard browser.
  • Both purpose designed application and browser access allow for the individual to deposit funds into a holding account of the operator of system 10 by means of credit card payment on a secure gateway. This may be topped up by either means or if selected can be automatically topped up on periodic basis or as a result of reaching a minimum threshold.
  • System 10 also caters for company accounts and payment by event organisers on behalf of individuals.
  • Vendors 40, 42 interact with system 10 using supplied computing hardware which vary in type and may be fixed or mobile installations as will be later described. To participate in the system, each vendor completes a registration process whereby an account for them is established in system 10. Vendors provide identification
  • the computing hardware used by the vendors 40, 42 is configured with software which enables them to use an image capture device such as a CMOS camera to analyse the computer screens of individuals to detect the presence of QR codes (see figure 3) displayed on the screen and to decode information encoded in the QR codes.
  • an image capture device such as a CMOS camera
  • a computing system in the form of a telemetry unit 30 communicates wirelessly with system 10.
  • the telemetry unit 30 is an intelligent device capable of maintaining substantial amounts of data including regular customer balances as well as controlling equipment38 on site such as pumps and valves in a carwash site.
  • CMOS image sensors 34 are provided for scanning QR codes displayed in the screens of customers 30, 31 mobile phones. Touch screens enable selection of goods/services and may be implemented in a POS system.
  • the image sensors 34 can be located in the panel if an unattended service such as vending or carwash. Other situations may have the sensor in more usable locations. For example, in a coffee van application the image sensor 34 may be mounted to one side convenient to the customer, the vendor touch panel 32 in a suitable location for the van operator and an additional order display screen for the barista. The same applies for a fixed location outlet.
  • system 10 Operation of system 10 will now be explained with reference to an example of individual 30 purchasing a coffee from a vendor 40 who operates a mobile food van selling snack foods and drinks. Both of individual 30 and vendor 40 have previously registered with system 10. Vendor 40 has a POS system installed in their van which includes a computing system connected to a CMOS camera mounted within reach of an individual 30 carrying a smart phone. Both of the vendor's computing system and the individual's smart phone can communicate with system 10 over Wifi or by way of mobile internet available over the mobile telephone network.
  • individual 30 is desirous of purchasing a coffee from vendor 40.
  • individual 30 opens their software application or browser session using their smart phone 50. This causes a request for a QR code to be sent by the phone.
  • system 10 creates a token in the form of a QR code and transmits that to the individual's smart phone.
  • the user is shown the on-screen user interface 52 which displays their current balance 54 with the operator of system 10.
  • the received QR code is displayed in screen area 56.
  • the individual places their order with vendor 40 in the usual way, being mindful that the total amount of the transaction they propose to make must be for an amount that is less than or equal to their account balance.
  • the individual 30 orders a coffee.
  • the vendor 40 asks the individual 30 for payment.
  • the individual 30 explains that they wish to pay by way of system 10 and presents their smart phone to the image capture device of the vendors transaction equipment which the vendor 40 has available for this purpose.
  • the vendor's computing system captures an image of the screen of the individual's computing device.
  • the vendor's computing system extracts data from patterns detected in the captured image using software which is available in the public domain for this purpose.
  • the vendor's computing system checks its internal database first and if the extracted data is not found the vender equipment sends a request to system 10 which includes the data extracted from the captured image.
  • System 10 looks up the extracted data to determine whether it matches a QR code that has previously been generated. The system then returns a result to the vendor computer system either "Yes” or "No” indicating whether the individual 30 is authorised to make the transaction
  • step 67 if the result returned is "Yes” then the transaction proceeds. Credit of the user's account is deducted and a credit is made to the account of the vendor. In some cases the payment may include an amount of cash as well as an amount of credit from the user's account. The individual 30 takes their coffee.
  • step 68 if the result returned is "No" then the transaction is rejected.
  • the central server maintains all records relating to the individuals and the vendors.
  • a hierarchical approach is used for the vendors to cater for franchised and multiple site operations.
  • Individuals may also be members of groups as in multiple employees of a single company where the company is responsible for the cost of the transactions.
  • the system provides for the individual to review their purchases and retrieve a transaction report or a tax invoice by download, email or on screen display.
  • the vendor can view and download transaction data related to their accounts including subordinate vendors and also obtain statistical information about their sales by sub vendor, location and temporal parameters.
  • the completion of a transaction results in the individual's balance being reduced and the vendor's balance being increased.
  • the transactions are maintained in a vendor batch file which is swept either periodically or at a threshold.
  • the relevant commissions and other charges are deducted from the vendor balance and the remaining amount is transferred to a vendor nominated bank account.
  • the commission and charges are transferred to the relevant trading account held by the system operator.
  • the vendor can view current sales and batch amounts on line and virtually real time.
  • the credit card fee is recovered along with any other charges and commissions by the service operator from the vendor balance prior to disbursement to the vendors.
  • the transaction cost to the vendor is either a percentage, a per transaction fee or a combination of both and may be variable depending on the size of the transaction.
  • the QR codes issued by the system may expire.
  • a QR code may expire after a pre-determined number of transactions, or after a pre- determined time has elapsed, or after a pre-determined amount of credit has been spent, or after a random period of time.
  • token of other types may be used.
  • the system could work with standard bar codes, Aztec codes, PDF417 and even standard pictures with colour or pixel position encoding incorporated in them.
  • the system may provide prompts to the individual.
  • These prompts include advising the customers when the coffee van is approaching the premises and also advising the customer when they are travelling near a site that offers the system.
  • the individual may operate the vendor's POS equipment themselves.
  • the individual interacts with a vending machine operated by a vendor. The individual makes their selection from the vending machine and, when prompted to make payment, presents the screen of their computing device to an image scanner mounted on the vending machine.
  • the vending machine operated by a vendor. The individual makes their selection from the vending machine and, when prompted to make payment, presents the screen of their computing device to an image scanner mounted on the vending machine.
  • the transaction amount may be decided by the value of the product selection as in the case of a vending machine or a fixed amount where no selection is available as in a carwash.
  • this amount may be modified by the individual by editing their current settings from either the smart phone application or by browser access.
  • An alternative to this is to allow the individual to set the amount on their phone as part of the application or web prior to commencement of the transaction. This amount is a one off setting and reverts to the default setting at the completion of the transaction. This is particularly useful in carwash applications where the transaction involves charging for usage by time.
  • a note may be recorded in the database that the application or browser has actually connected and retrieved the token prior to the transaction taking place. This effectively synchronises the vendor information with the smart phone information and reduces the likelihood that obtaining the token by other means will result in a transaction proceeding.
  • the system is not limited to transaction payments. Applications exist for use of the system in gate operated car parks, access control to buildings, control of lighting for sporting fields and events, access to subscription based events etc.
  • the system can provide one off, regular, timed or payment based access to services and products.
  • An example of this is individual parking control in private sites where a token is issued to the individual prior to or on arrival and which expires after a single or multiple uses.
  • Hotel booking systems are another target objective where the individual is issued with a token which may then give access to pools, bars, laundry facilities etc. as specified by the venue operator.
  • the geographic location of a user may be tracked subsequent to the transaction taking place.
  • the application installed on the users mobile phone records the current location of the smartphone. This uses the smartphone location services functionality. The location is determined by a combination of GPS, cell base station triangulation and WiFi access point connections. The application simultaneously reports the identity of the smartphone and the current location (if enabled by the user) to the server. Having the location information available also allows for statistical analysis such as how long a customer stays within or near a cafe after a purchase, trade show traffic trends etc.
  • One option is that the location is continually reported to the server and the server analyses the position and carries out the appropriate actions. This can be reduced to only sending the information when it changes by an amount greater than a preset margin.
  • a second option is that the server advises the mobile application of the relevant boundaries.
  • the mobile then monitors the position and reports to the server when this boundary is traversed either instantly or when outside the boundary for a period of time.
  • a periodic heartbeat packet is sent so that the server will be able to determine if the phone has lost communication or the app has been shut down. It can then decide to terminate the local functionality if appropriate.
  • the second option has the advantage of reducing data traffic and also giving some comfort to the user that their location is not being tracked continually.
  • the reporting will stop once the server has been advised that the boundary has been breached and the site related functionality has been terminated or otherwise dealt with.
  • the system may allocate discounts or regular free products to individuals as a loyalty bonus. Such bonuses may be allocated on an individual or group basis.

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

Abstract

L'invention concerne des procédés pour autoriser un individu, y compris l'autorisation de transactions financières, le contrôle d'accès à des installations, etc., lesquels procédés comprennent les étapes consistant à : établir un compte d'utilisateur pour un individu ; créer un jeton en réponse à la réception d'une requête à partir du dispositif informatique de l'individu ; associer le jeton au compte d'utilisateur de l'individu ; envoyer le jeton à un dispositif informatique de l'individu et afficher le jeton sous la forme d'une image, d'un code à barres, d'un code Aztec, d'un code PDF417 ou d'un code QR sur l'écran du dispositif informatique de l'individu ; analyser (par exemple, balayer) le jeton sur l'écran du dispositif informatique de l'individu et autoriser l'individu ou un paiement ou un accès à une installation, si le jeton est identifié comme étant le jeton qui a été précédemment créé.
PCT/AU2015/050355 2014-07-15 2015-06-26 Systèmes et procédés pour autoriser des individus WO2016008002A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
AU2014902714 2014-07-15
AU2014902714A AU2014902714A0 (en) 2014-07-15 Systems and methods for authorising individuals
AU2014904232A AU2014904232A0 (en) 2014-10-23 Systems and methods for authorising individuals
AU2014904232 2014-10-23
AU2014904807 2014-11-27
AU2014904807A AU2014904807A0 (en) 2014-11-27 Systems and methods for authorising individuals

Publications (1)

Publication Number Publication Date
WO2016008002A1 true WO2016008002A1 (fr) 2016-01-21

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Application Number Title Priority Date Filing Date
PCT/AU2015/050355 WO2016008002A1 (fr) 2014-07-15 2015-06-26 Systèmes et procédés pour autoriser des individus

Country Status (1)

Country Link
WO (1) WO2016008002A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140025958A1 (en) * 2012-07-19 2014-01-23 Bank Of America Corporation Implementing security measures for authorized tokens used in mobile transactions
US8639621B1 (en) * 2012-04-25 2014-01-28 Wells Fargo Bank, N.A. System and method for a mobile wallet
WO2014016619A1 (fr) * 2012-07-26 2014-01-30 Highgate Labs Limited Mécanisme d'authentification à deux dispositifs
US8682802B1 (en) * 2011-11-09 2014-03-25 Amazon Technologies, Inc. Mobile payments using payment tokens
US20140143146A1 (en) * 2012-11-20 2014-05-22 Prakash George PASSANHA Systems and methods for generating and using a token for use in a transaction

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8682802B1 (en) * 2011-11-09 2014-03-25 Amazon Technologies, Inc. Mobile payments using payment tokens
US8639621B1 (en) * 2012-04-25 2014-01-28 Wells Fargo Bank, N.A. System and method for a mobile wallet
US20140025958A1 (en) * 2012-07-19 2014-01-23 Bank Of America Corporation Implementing security measures for authorized tokens used in mobile transactions
WO2014016619A1 (fr) * 2012-07-26 2014-01-30 Highgate Labs Limited Mécanisme d'authentification à deux dispositifs
US20140143146A1 (en) * 2012-11-20 2014-05-22 Prakash George PASSANHA Systems and methods for generating and using a token for use in a transaction

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