• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    The present invention relates to a method for processing a transaction between a payee and a payer in a communication system consisting of a service provider server (3 2) of a payer, a service provider server (3 1) of a payee and a portable payer operable , wireless communication device (2) consists. The method consists of: the payer's service provider server (3 2) receiving from the portable wireless communication device (2) a transaction identifier and a service provider identifier of the payee (19); the payer's service provider server (3 2) requesting transaction data from the payee's service provider server (3 1) identified by the payee's service provider identifier (21); the service provider server (3 2) of the payer receiving the requested transaction data (23); the payer's service provider server (3 2) transmitting the transaction data to the portable wireless communication device (2) (27); and the payer's service provider server (3 2) receiving a transaction acknowledgment request from the portable wireless communication device (2) (29).
    公开号:CH710912B1
    申请号:CH01024/16
    申请日:2015-02-11
    公开日:2019-07-15
    发明作者:Gautschi Peter
    申请人:Gautschi Peter；
    IPC主号:
    专利说明:

    description
    Technical Field The invention relates to a method for processing transactions in a communication system. The invention relates to a communication element for carrying out the method, a computer program product for the communication element and a communication system having the communication element.
    Background of the Invention Credit cards, bank cards, prepaid cards and membership cards have become a widely used cashless payment method. However, there is a risk that the payment cards will be used for fraudulent purposes, and it is very troublesome for both the customer and the card issuer to ensure that the card can not be abused.
    The use of payment cards also involves the problem that the personal data of the card holder and in particular security-related elements - such as passwords - must be transferred to a payout terminal of the payee. In modern payment systems, such as those used in supermarkets and in various shops, personal data, such as the bank account number / credit card number, the number of bank sort code, name and address of the customer, etc. can be read from the payment card and sent to the Reading device of the shopkeeper to be transferred. The personal data provided may be used by the shopkeeper to initiate payment transactions by sending a corresponding request to a server of the financial service provider. The transfer of personal data from a customer's payment card to the payee's terminal poses a security risk. To overcome the problems associated with the direct use of payment cards, some payment solutions have been proposed using the customer's terminal, such as a mobile phone , In some of these solutions, also known as mobile payment solutions, a customer terminal at the point of sale (POS) scans a bar code to initiate a payment transaction. However, many of these solutions have some errors when processing the transaction, especially with regard to the security and anonymity of the transaction. These known solutions expose the payer to untrusted network facilities and encourage him to communicate confidential information to so-called "untrusted" network elements, i. Network elements with which he has no relationship of trust. Of course, this poses a security risk and should therefore be minimized.
    The object of the present invention is to overcome such problems in current transaction processing methods by providing a more sophisticated solution in transaction processing that can be used not only in shops, but also, for example, in online transactions or ATMs (ATM). ,
    Brief Description of the Invention According to a first aspect of the invention, there is provided a method of processing a transaction according to claim 1. The proposed new solution has the advantage that transaction processing can be performed quickly, securely and anonymously. In the present process, the second party to the transaction with the first party to the transaction will not exchange any confidential information, such as details of the payer. The second party to the transaction who has received the transaction identifier and the identifier of the payer's payment service provider from the first party to the transaction only deals with its own trusted service provider, [i. with whom she has a relationship of trust - hereinafter also translated as "trustworthy"]. The latter can have other secure and trusted connections, for example with various financial institutions. The server of the second service provider can reliably identify the second party to the transaction and thus ensure that the second party to the transaction is in fact the one they pretend to be. This can be accomplished by conventional identification steps performed by the second party of the transaction - such as the entry of passwords, etc. Further, in the present invention, other communication devices only communicate communication elements with which a trust relationship has already been established. Transaction processing may also be anonymous as the first party to the transaction does not need to know the identity of the second party at each stage of the transaction. An acknowledgment that a transaction has been successfully completed may be sent to the first party to the transaction (and optionally to the second party to the transaction), but in most applications the details of the second party to the transaction do not need to be communicated to the first party.
    According to a second aspect of the invention, a server is provided for carrying out the transaction processing method according to the first aspect.
    According to a third aspect of the invention, an established computer program product is provided to carry out the method according to the first aspect of the present invention.
    According to a fourth aspect of the present invention, there is provided a communication system comprising a server according to the second aspect of the present invention.
    Other aspects of the invention are set forth in the dependent claims attached hereto.
    BRIEF DESCRIPTION OF THE DRAWINGS Further features and advantages of the invention will become apparent from the following description of a non-limiting embodiment with reference to the accompanying drawings, in which:
    Figure 1 illustrates some of the communication network elements of the communication system in which the method of the present invention may be performed; and
    Fig. 2 is a flowchart illustrating the secure transaction processing method according to an embodiment.
    DETAILED DESCRIPTION OF AN EMBODIMENT OF THE INVENTION An illustration of the present invention will be described in more detail below with reference to the accompanying drawings. Identical or corresponding functional and structural elements that appear in the different drawings are assigned the same reference numbers.
    Fig. 1 illustrates the example of a simplified communication network diagram showing the elements useful in understanding the teachings of the present invention. This exemplary diagram shows five network elements, namely a payee or POS terminal 1, a payer, customer or user operable mobile device 2, a first service provider server, also referred to as a payee or POS server 3Ί, a second service provider server , also referred to as a service provider server 32 of the payer or user, and a banking network 4, which has, for example, network elements of various financial institutions such as banks or credit card companies. For example, these banking network elements, such as servers, are able to charge customer accounts or credit cards upon receipt of customer approval to credit the amount to a payee's account. The POS server 3Ί is a network element of the service provider of a first party of the transaction, which is sometimes the payee; while the user's service provider server 32 is a network element of the service provider of a second party to the transaction, sometimes the payer or the user. The service providers may e.g. Telecommunications operator or payment application provider or solutions.
    In the present invention, the first party to the transaction may connect to the trusted first service provider server 3i with which it has established a first trust relationship, while the second party to the transaction may connect to the second service provider server 32 to which it has a established second trust relationship. Thus, a secure communication connection between the first service provider server 3Ί and an operable device of a first transaction party (for example a POS terminal of the payee) on the one hand and between the second service provider server 32 and an operable device of a second transaction party (z, B. a user's mobile phone) on the other side. To obtain this secure communication connection, encrypted communication can be used.
    As shown in Fig. 1, at least one of the server 3Ί, 32 may also be connected to the banking network 4. This connection can be either a wired, wireless or optical connection. The POS server 3Ί is also capable of communicating with the POS terminal 1, while the user's service provider server 32 can communicate with the mobile device 2. Again, these communication links can be either wired, wireless or optical connections. However, there is a wireless connection between the mobile device 2 and the user's service provider server 32.
    In the example described below, the terminal 1 is a POS terminal, but it could alternatively be any other unit which is arranged to transmit certain information either actively or passively to the mobile device 2. Accordingly, depending on the application in which the teachings of the invention are applied, the terminal 1 may be an ATM, a display displaying a web site, a poster, a label, a ticket, a portable wireless handset and so on.
    The mobile devices 2 are digital communication devices such as mobile phones (e.g., smartphones), laptops, tablets, personal computers, etc., which have the ability to communicate wirelessly preferably with service providers. The mobile devices 2 are also set up to receive data from the POS terminal 1, and if possible not to send any identifying data to the Payer POS terminal 1.
    The mobile devices 2 can optically and acoustically receive the data using a near-field communication method, etc. For example, when the data is received optically, the POS terminal 1 can display a bar code that the mobile device 2 can scan. A barcode is a machine-readable optical tag that contains information about the item to which it is bound or linked. The barcode can be a one-dimensional barcode or a two-dimensional barcode, also known as a matrix barcode. If a two-dimensional barcode is used in the present invention, then this barcode may be, for example, a Quick-Response ™ (QR) code. A QR code generally consists of black modules (square dots) arranged on a white background in a square grid and can be read and processed by an image capture device (such as a camera) using Reed-Solomon error correction until the picture is properly interpreted. The data can then be extracted from patterns that are present in both the horizontal and vertical components of the image.
    The flowchart of Figure 2 shows the steps taken and the various messages sent between different entities involved in this process to perform a secured payment transaction in accordance with an embodiment of the present invention. Once the payee has selected the present transaction processing method to allow the user or payer to pay for his purchases, in step 11, the POS terminal sends a request to get a transaction ID to the POS server 3Ί. This message may also include a service provider identifier of the POS and some information related to the transaction. This information may include, for example, an identity of the company offering the transaction (a company name, for example), contact details of that company, the amount of the transaction, currency, warranty information, terms and conditions, and / or a description of the product or service which is the subject of the transaction, etc. In this particular example, the message contains the following information:
    - Service Provider ID: 01AB-1234-AF12-09AB - Amount: 150
    - Currency: CHF - Product Description: Book: "TheArt of Fly Fishing" Once the POS server 3Ί has received this information, it stores it in step 13 and generates a transaction ID. This transaction ID is as unique as possible in conjunction with the service provider ID around the world. In this example, the service provider with ID 01AB-1234-AF12-09AB has now stored the following information in its database: - Transaction ID: FAC4-ABGC-AFFA-0901 - Amount: 150
    - Currency: CHF - Product Description: Book: "The Art of Fly Fishing" Then, in step 15, the POS server 3Ί sends the transaction ID to the POS terminal 1. Now, the user of the mobile device 2 wants the product or Buy the service offered by the payee. In this example, the POS terminal 1 displays a QR code on a pin pad. This QR code in this example includes the transaction ID and the service provider ID of the POS terminal 1, but the latter is not required if there is only one service provider. Then, in step 17, the mobile device 2 scans the QR code and thereby optically reads the data contained in the QR code. In this example, it extracts the transaction ID and the service provider ID. The mobile device 2 receives no further information from the POS terminal 1.
    Next, in step 19, the mobile device 2 sends the transaction ID together with the service provider ID from the QR code to the service provider of the respective user and thus requests to receive information as to whether he is willing, the transaction to accept. In this example, the following is sent to the user's service provider server 32: Transaction ID: FAC4-ABCC-AFFA-0901
    - Service Provider ID: 01AB-1234-AF12-09AB
    Since the user's service provider is not the same as the service provider of the POS, in step 21 of this example the user's service provider server 32 forwards the request, including the transaction ID, to the service provider of the POS. The user's service provider server 32 knows which service provider to contact, as he received the service provider ID in step 19.
    In response to the request received in step 21, the POS server 3Ί sends the information related to the transaction in step 23 to the user's service provider server 32. This information includes the data sent to POS server 3Ί in step 11. In this example, the following information is received from the user's service provider server 32: Transaction ID: FAC4-ABCC-AFFA-0901
    - Service Provider ID: 01AB-1234-AF12-09AB - Amount: 150
    - Currency: CHF - Product Description: Book: "The Art of Fly Fishing" Now in step 25, the user's service provider server 32 stores the received information so that it can be used later. In the next step 27, the user's service provider server 32 forwards this information to the mobile device 2. If the items or service were purchased in foreign currency, a valid exchange rate may also be sent to the mobile device 2. This exchange rate may also be sent to the POS server 3i in step 15 to be displayed to the payee. Now, the mobile device 2 can display the received information so that the user can see the relevant information regarding the transaction he plans to accept. It should be noted here that some information - such as the price - the
    Users may already have been displayed in plain text, for example in connection with the display of the QR code. Thus, in this example, the following is displayed to the user on the display of the mobile device 2: - Amount: 150
    - Currency: CHF - Product Description: Book: "The Art of Fly Fishing" Now the user can decide if he wants to proceed with the transaction or not. If the decision is positive, the mobile device 2 will in step 29 send to the service provider server 32 of the user a transaction confirmation request. This request can also determine how the user wants to pay for the transaction. For example, the user may specify here whether to debit a credit, bank, member or prepaid card, or, if he wishes to make a transfer, he may indicate his account number, etc. He may also have to enter his password. The need to enter a password may depend on the size of the transaction or the guidelines or rules of the particular financial institution. For example, if the amount exceeds a certain threshold, a password will be required for the payment transaction to continue. The application may also specify a default payment method, for example, a particular credit, bank, member or prepaid card. In the event that the user does not specify a payment method, it can be assumed that the user uses the standard payment method known to his service provider. In this example, the following is sent to the user's service provider server 32; - Transaction-ID: FAC4-ABCC-AFFA-0901 - Lender: Swiss Bank 001 - Password: ***** - Account number: 1234 5678 9999 0 (in the case of a bank account, the IBAN is given) [0026] As soon as the service provider Server 32 of the user receives the transaction confirmation request, he determines the content of the request and in step 31, he sends according to the request of the user a payment transaction instruction with at least the amount to be debited to a financial institution. This institution may, according to the information contained in the transaction confirmation request of the user in step 29, e.g. a bank or a credit card company. In step 33, the financial institution debits the user's account with an amount equal to the amount of the transaction. However, it is also possible that the transaction is not performed, that is, the user's account can not be charged. This can happen, for example, if the user does not have sufficient funds in their account, or if they have exceeded their credit card limit or their monthly or annual spending limit. In step 35, the financial institution returns to the service provider server 32 of the user a status message of the debit transactions. If the financial institution was able to debit the user account, the status message of the debit transaction will be a positive acknowledgment indicating the successful completion of the debit, possibly also confirming the debited amount and / or showing how the amount was debited. In this example, the following information can be sent from the financial institution to the user's service provider server 32 - Transaction ID: FAC4-ABCC-AFFA-0901
    - Status: OK
    In step 36, the service provider server of user 32 updates its database accordingly so that in this example the following can now be stored in the database: Transaction ID: FAC4-ABCC-AFFA-0901
    - Service Provider ID: 01AB-1234-AF12-09AB - Amount: 150
    - Currency: CHF - Product description: Book: «The Art of Fly Fishing»
    - Payer status: OK
    In step 37, the user's service provider server 32 sends a status message of the debit transactions to the POS server 3i. Thanks to the stored information in step 25, the service provider server 3 ^ of the user knows which POS server 3i he should contact. Once the POS server 3i has received the debit transaction status message and indicates that the user has been debited the amount, it may now send a request to the payee's financial institution at step 39 to credit it to the payee's account. Previously, the payee's service provider was notified of the payee's financial institution, bank account details, and so on. In the next step 41, the financial institution credits the transaction recipient's account with the transaction amount. For this to be possible, the financial institutions of the payee and the user must be able to communicate with each other. Next, in step 43, the status message of the credit transaction is sent from the payee's financial institution to the POS server 3i. If the credit was successful, the credit transaction status message confirms that the transaction was successful, otherwise a negative credit transaction status message is sent. Now in this example, the POS Server3-i has stored in the database the following information: - Transaction ID: FAC4-ABCC-AFFA-0901 - Amount: 150
    - Currency: CHF - Product description: Book: «The Art of Fly Fishing»
    - Payer status: OK - Account number: CH01 0000 1234 1234 1234 5
    - Payee Status: OK
    Thereafter, in step 45, the POS server 3Ί informs the POS terminal 1 of the status message of the credit transaction, so that this company can deliver the product or perform the service for the user. In step 47, the POS server 3Ί informs the user's service provider server 32 of the payment transaction status, which in turn informs the user of the payment transaction status in step 49. Thus, in this example, the following information is stored in the database of the user's service provider server 32 and also sent to the user: Transaction ID: FAC4-ABCC-AFFA-0901
    - Service Provider ID: 01AB-1234-AF12-09AB - Amount: 150
    - Currency: CHF - Product description: Book: «The Art of Fly Fishing»
    - Payer status: OK
    - Payee Status: OK
    It is also possible that the payee and / or the user requests the payment transaction status. The payee may request this information directly from the POS server 3Ί while the user may request this information from the user's service provider server 32. These requirements contain at least the transaction ID. Some other information, such as the identity of the POS, can also be sent. It is also possible for the payee to determine the payment transaction status by tracking his bank account transactions.
    The above teachings can be implemented not only in simple purchase transactions but also usefully in other applications. For example, the terminal 1 may be an ATM. In this case, the user wants to withdraw some cash from the ATM. Accordingly, as usual, the user first chooses the amount he wants to draw. However, according to the present invention, the ATM can then display to the ATM user a bar code, such as a QR code. For example, each cash withdrawal can be assigned a transaction ID. Cash withdrawal can follow the principles explained in connection with the description of the schedule in Figure 2. However, the user may be requested to confirm the withdrawal at the ATM, for example at the push of a button or via the ATM's input system. According to this application, the user does not have to enter a password or personal identification number (PIN) when using the ATM. This reduces fraud opportunities.
    The teachings of the invention may also be used for online shopping on the Internet. In this case, the barcode can be displayed through an internet browser. The user may also be prompted to enter a delivery address for the products he or she buys. The delivery address can be sent to the payee at any time during the transaction history. The procedure follows the principles of the schedule in Fig. 2.
    The teachings of the invention can also be applied to a situation in which the terminal 1 is a portable wireless communication device, such as a smart phone. In this application, the user of the portable device may be the payee, while the user of a second portable wireless communication device is the payee. The barcode contains the transaction ID, and the payee's service provider ID can thus be displayed on the payee's device screen. Again, the method follows the principles described above in connection with the flowchart of FIG. The terminal 1 may simply be a poster showing a bar code such as a QR code. In that case, the same transaction ID could be used by multiple users. It may also be necessary to provide a delivery address to the payee for certain types of purchased products. The principles of the above schedule also apply to this particular application.
    The present invention may also be applied, for example, to turnstiles providing access to a subway or to a train. In this application, a barcode can be shown at the turnstile that only opens when a payment has been successfully completed. The teachings of the present invention also apply when the terminal 1 is a ticket such as a concert, flight, train ticket and so on. In this case, the barcode may be printed on the ticket, and once a successful transaction is completed, the completion status of the transaction may be stored in a database to ensure that the ticket can not be resold and used for a corresponding event visit or to enter a means of transport.
    It is also possible to apply the teachings of the present invention to gas stations. In this case, the user may choose a fixed amount of money, say 100 in a local currency, and if the user is unable to fill up with the amount of fuel that corresponds to that survey, the balance may be reimbursed to the user's account become. The refund can be automatic or on request. For example, once the method of the flowchart of Fig. 2 has been completed, the terminal 1 may contact the user's service provider server 3Ί to initiate the reimbursement procedure. In this situation, the two participating providers can communicate with each other and with the relevant financial institutions to complete the reimbursement process. Again, a status confirmation of the refund transaction may be sent to the payee and / or payer to inform them of the outcome of the refund transaction.
    While the invention has been described and illustrated in detail in the drawings and the foregoing description, this description and description must be taken as illustrative or exemplary rather than limiting, as the invention is not limited to the disclosed embodiment. Other embodiments and variations will be understood and attained by those skilled in the art when the claimed invention is practiced based on a study of the drawings, the disclosure, and the appended claims. For example, the proposed method may also be used to reserve a location, product, or service. The actual payment transaction does not necessarily have to be done immediately, but can also be done later. The proposed secure transaction processing method could also be used in these application methods. It is also possible that the POS server 3Ί and the service provider server 32 of the user do not communicate with each other directly but via another network element. In this case, both the POS server 3i and the service provider server 32 of the user would be trusted with this other network element. However, in this situation, neither the POS server 3Ί nor the user's service provider server 32 need to establish trusted communication with each other.
    In the claims, the word "comprising" does not exclude other elements or steps, and the indefinite article "a" or "an" does not exclude its plurality. The mere fact that various features are mentioned in different dependent claims does not mean that a combination of these features can not be used to advantage. Any reference numbers in the claims should not be construed as limiting the scope of the invention.
    权利要求:
    Claims (10)
    [1]
    claims
    A method of processing a transaction between a first party of the transaction and a second party of the transaction in a communication system having a first service provider server (3i) with which the first party can communicate and a second service provider server (3 ^) the second party of the transaction can establish trusted path communication by means of a portable wireless communication device (2), the method comprising: - the second service provider server (32) receives (19) from the portable wireless communication device (2) a transaction identifier and a service provider identifier of the first transaction party, the service provider identifier of the first transaction party identifying the first service provider server (3i); the second service provider server (32) requests transaction data from the first service provider server (30) identified by the service provider identifier of the first party to the transaction; - the second service provider server (32) receives (23) the requested transaction data; - the second service provider Server (32) transmits (27) the transaction data to the portable wireless communication device (2); and - the second service provider server (32) receives (29) from the portable wireless communication device (2) a transaction confirmation request.
    [2]
    2. The method according to claim 1, wherein the communication system further comprises a network of communication links between servers of at least one bank, hereinafter referred to as banking network, (4), and in response to the transaction confirmation request, the second service provider server (32) communicates with the banking network (4). issue a payment order (31).
    [3]
    The method of claim 1 or 2, wherein the communication system further comprises a transaction unit (1) operable by the first transaction party, and wherein the method further comprises (11) receiving (11) from the transaction unit (1) a first service provider server (3i) Request to issue a transaction ID.
    [4]
    The method according to claim 3, wherein the first service provider server (3Ί) further receives the transaction data from the transaction unit (1) (11).
    [5]
    The method according to claim 4, wherein the method further comprises: the first service provider server (3Ί), in response to the received request, issuing (13) the transaction identifier and transmitting (15) the transaction identifier to the transaction unit (1) ,
    [6]
    The method according to one of claims 2 or 3, wherein the communication system further comprises a transaction unit (1) operable by the first transaction party and wherein the method further comprises: the portable wireless communication device (2) receiving (17) from the transaction unit (1) the transaction identifier and the service provider identifier of the first party to the transaction.
    [7]
    The method of claim 6, wherein the transaction identifier and the service provider identifier of the first party to the transaction are received by the portable wireless communication device (1) by the portable wireless communication device (1) scanning a bar code (17) received from the transaction unit (1 ) is shown.
    [8]
    The method according to one of the preceding claims, wherein the transaction identifier, together with the service-provider identifier of the first party to the transaction, represents a unique identity.
    [9]
    A service provider server (32), hereinafter referred to as a second service provider server (32), for processing a transaction between a first transaction party and a second transaction party in a communication system, which also has a different service provider server (3), hereinafter the first service provider. Server (30), with which the first transaction party can communicate, wherein the second service provider server (32) can establish a trusted path communication with the second transaction party by means of a portable wireless communication device (2), the second service provider Server (32) comprising: - receiving means for receiving a transaction identifier and a service provider identifier of the first transaction party, which service provider identifier identifies the first service provider server (30 identified by the portable wireless communication device (2)) - requesting means for requesting transaction information from the first service provider Server (3i) - identified by the service provider identifier of the first party to the transaction; wherein the receiving means (s) is / are adapted to receive the requested transaction information; - Transfer means for transmitting the transaction information to the portable wireless communication device (2); and wherein the receiving means is / are adapted to receive a transaction confirmation request from the portable wireless communication device (2).
    [10]
    A communication system comprising a first service provider server (3Ί) to which a first party of the transaction can communicate, a second service provider server (32) according to claim 9, and a portable wireless communication device (2), a second party of the transaction using portable wireless communication device (2) can establish a trusted path communication with the second service provider server (32).
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    同族专利:
    公开号 | 公开日
    DE112015000746T5|2017-02-09|
    US20160342998A1|2016-11-24|
    EP2905735A1|2015-08-12|
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    法律状态:
    2018-04-13| AZW| Rejection (application)|
    优先权:
    申请号 | 申请日 | 专利标题
    EP14154757.0A|EP2905735A1|2014-02-11|2014-02-11|Secure transaction processing in a communication system|
    PCT/IB2015/051017|WO2015121801A1|2014-02-11|2015-02-11|Secure transaction processing in a communication system|
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