System for the exchange of payment data and the payment terminal device that is used in it

 

The system relates to the exchange of payment data. The technical result is the elimination of problems due to different standards of mobile phones in relation to its connection with the payment terminal. The system contains a device to the payment terminal device communication outlets and from the mobile phone, the authorization center to communicate with the mobile network voice messaging system financial information the mobile phone to communicate with the mobile network voice messaging and payment terminal device. The exchange of payment data is from a device to a payment terminal via a mobile phone and mobile network (5) transmission of voice messages in the authorization center. When payment data is transmitted from the device to the payment terminal and the mobile phone by means of verbal information. 4 C. and 24 C.p. f-crystals, 1 Il.

The present invention relates to a system for data exchange (authentication, authorization and payment data) financial transactions between the device outlets, such as vending machine and so on, and the authorization center (object, liability is lcam) and to the payment terminal device, used in this system.

Mobile telephony is widely distributed around the world and provides the use of many, the recent applications in the field of data transmission. One of the most modern services are mobile payment, which is usually determined by the terminal “m-commerce”. There are affordable solutions in the field of mobile Commerce, most of them based on the technology of WAP (wireless application Protocol), which aims to transfer all of the benefits of the Internet in the mobile phone. Other solutions use calls for a special payment terminal, and these calls are activated from the authorization center or by the subscriber or user. But there are formidable obstacles to the rapid adoption of mobile Commerce, especially outside of the Internet, such as the cost of well-known payment terminals based on their acquisition and operational costs. Including this is because each payment terminal must include a fairly complex interface, which should cover all different, there are new and installed currently, the standards for data transmission over mobile phone SV is whether in this system, that enable you to resolve problems and expenses that arise due to different standards of mobile phones in relation to mobile phone payment terminal device.

This problem is solved by the system under item 1 of the claims and the payment terminal device according to p. 8 claims.

Accordingly, the claimed system for exchange or transmission of the payment information includes a payment terminal device to communicate with the device retail outlets and from the mobile phone, the authorization center to communicate with the mobile network voice messaging and financial reporting system, mobile phone to mobile network voice messaging and payment terminal device, and the exchange of payment data is from a device to a payment terminal via a mobile phone and mobile network voice messaging to the authorization center and Vice versa, from the authorization center mobile network voice messaging and mobile phone to the payment terminal device, moreover, the payment data is transmitted from the device to the payment terminal and the mobile phone using the information of the speech data.

A big advantage Nanoha terminal using the information of the speech data, which is the only standard that should be considered by all handset manufacturers and which, therefore, contributes to a significant reduction in the complexity of the communication interface device of the payment terminal and the costs associated with it. Information of the speech data or voice information is a special form useful or required information, which is known to be transmitted and exchanged over the voice channel of the mobile network voice messages.

The claimed device to the payment terminal device communication outlets, vending machine, etc., and with the mobile phone provides an interface means for connection with the possibility of separation of the payment terminal device to the mobile phone.

The telephone connection is established by the user with the user's phone, so the cost for the procedure of payment or a phone call are charged to the user. Depending on the agreed relationship between the user, the owner of the payment terminal device and the device owner retail outlets, vending machines and so on, the costs can be attributed to the account of the other party involved. In any case excluded the creation of the payment terminal device, preferably, contains a means of communication for communication with a mobile phone and a modem connected to the connection means and to the processing means, for converting voice data received from the authorization center by the mobile phone via the means of communication, data is sent to the processing means, and for converting data from the processing tools in the speech data is prepared for transmission to the mobile phone via the means of communication. Data that is encrypted or unencrypted, thus transmitted over the voice channel of the mobile phone. The modulation data can be dual tone multi-frequency modulation, or any other modulation data, which can be transmitted on this voice channel.

Preferably, the means of communication had an acoustic coupler for transmitting information of the speech data in the form of acoustic signals on the mobile phone and Vice versa, i.e., information of the speech data transmitted as speech or speech as the medium in the frequency band of the human voice. The distance between the microphone and the loudspeaker acoustic adapter may be adjustable to adapt the acoustic coupler to the mobile phones of different types. the which is currently used and which could be used in the future, without any adaptation of different mobile phones. In General, the shape of the acoustic adapter must be such that the microphone of the mobile phone is too close to the speaker and Vice versa, in a way that ensures operation even under conditions of noise or in noisy environment.

In preferred embodiments of the invention, there are several additional options due payment terminal with a mobile phone.

In the first variant, called wired option, the means of communication has the facility of an electric plug connector for electrical connection with plug / socket connector of a mobile phone to exchange information or information of the speech data in the form of electrical signals between the mobile phone and communication tool. Tool plug may have a variety of different plug connectors for connection with plug-in connectors of different types, respectively, of mobile phones of different types.

The second option is the IR communication (IR - infrared radiation or light), in which the means of communication or interface means of the payment terminal includes an infrared interface for communication with matched the infrared signals between the payment terminal and the mobile phone. This applies to all the latest models of mobile phones, which have, for example, the interface standard of the infrared data and print output (IrDA). This option allows the higher frequency data and less time of the transaction.

The third option is the RF link (RF - radio frequency), in which the means of communication or interface means of the payment terminal includes an RF interface for communication with the corresponding RF-interface mobile phone with the purpose of sharing information or information of the speech data in the form of RF signals between the payment terminal and the mobile phone. The technology of BlueTooth, for example, is a standard in this area, however, there may be other protocols RF communication. Interface RF communication allows to carry out the transaction in a contactless manner with the greatest convenience to the user.

In a preferred embodiment of the device of the payment terminal has a means of data processing, which includes at least a processor in communication with encryption capability, to generate data or setting data transmission with high reliability, thanks to encryption, to protect data. Encryption methods can be Razi so on

The payment terminal device corresponding to the invention may contain a means of data entry, such as at least one keyboard. The keyboard allows the user to select pre-defined services, or to specify the amount for terminal outlets.

The payment terminal device may include a printer or a built-in printer, for example, to print the actual confirmation of order payment, if the user wants to.

The payment terminal device may have a display for display to the user, for example, the various steps of the procedure for payment or issuance of him instructions how to work with the payment terminal device.

Further, the device of the payment terminal may contain additional means of communication, such as a modem dial-up telephone public network (PSTN), digital modem network integrated services (ISDN), cable modem or modem global system for mobile communications (GSM), for communication with the respective networks to ensure maintenance and so on

The payment terminal device can be equipped with an additional connection to another computer system, such as the computer, the applications, which can be implemented using a system or device to the payment terminal corresponding to the invention. The invention can be used, for example, in vending machines for trading of various products such as drinks, food, cigarettes, magazines, condoms, etc. Next station self-service for common use as stations retail outlets such as gas stations, photocopier, Internet access, washing machines, laundries, jukeboxes, cars for official use, etc. may use the claimed device to the payment terminal. Also, different station to buy tickets for buses, trains, cinemas and so on, can use the invention. Authorization and execution of payments to various shops (electronic funds transfer at point of sale), buying goods online, sale on TV and other trades that use conventional billing methods for shopping, such as credit cards, Bank checks, cash, and so on, can use the system or the payment terminal device corresponding to the invention.

Other preferred option is TBA, preferred options for implementation and additional applications of the invention are provided in the following description of a preferred variant embodiment of the invention illustrated by the drawing in the drawing, which presents a schematic view of the system, using the payment terminal device in accordance with a preferred embodiment of the invention.

The drawing shows an embodiment of a system corresponding to the invention, containing the authorization center 1, which is similar to the center, used for credit card authorization, and which may be bridged by a connection 6 for data transmission with other financial information such as Bank, mobile network 5 voice messaging or mobile telephone network such as a GSM network, the mobile phone 14 and the device 10 of the payment terminal connected to the mobile phone 14 of the user and connected through the connection 13 to transmit data to the station or vehicle sales outlets.

1 authorization contains the interface 4 connection for communication center 1 authorization to the mobile network 5 voice messaging, database 2 data subscribers, which stores data related to each pleavanny payment method, for example, credit card, Bank account, etc. assigned to each user, and, in addition, comprehensive information management working with customers, i.e., full information about customer purchases, providing personalized services, advertising, etc. and, optionally, the secret code of the user, and the interface 3 deals, which is connected by a connection 6 for transferring data with another system of financial information. Interface 3 transactions connected to the interface 4 communication using bidirectional connections 21 data. Further, the base 2 data subscribers connected to the interface 3 transactions and interface 4 connection through line 22 data.

The device 10 of the payment terminal includes a tool 11 data interface means 19 connected to the tool 11 data using bidirectional line or bus 23 data, such as serial or parallel data connection, and communicate with the mobile phone 14, using it as a media 24. The tool data is based on a microcomputer system or processor communication and additionally connected to the tool of the trade, the service device through the data line or the signal line 13.

Interface means 19 of the device 10 of the payment terminal includes a modem 12 and the tool 20 connection for communication modem 12 to the mobile phone 14. The tool 20 may be used acoustic communication or an acoustic coupler that uses the speaker 18 and the microphone 17 to transfer or convey information, with the use of speech as a carrier, respectively, the microphone 16 and the speaker 15 of the mobile phone 14 that is attached or installed on acoustic adapter means 20 connection.

In order to be able to use the system corresponding to the invention, the user must have a mobile phone 14 and must open a special account that belongs only to him, in the centre of 1 authorization. Open account is, essentially, an agreement between the user and the authorization center 1, in which both sides define the parameters of their interaction. The parameters consist of one or more mobile phone numbers, such as the number of the SIM card (subscriber identity module), method of payment, such as money transfer, credit card and so on, in addition, additional services that increase the security of both parties, such as transaction limits, codes of security/authentication is being used the STV accounts, etc. The user can change the parameters of the agreement, which is stored in the 2 subscribers ' data center 1 authorization by the customer support centre 1 authorization, with the help of the Internet service using wireless application Protocol and similar services. The authority may, at the request of the user or in its business policy to assign each user a specific identification code that is used to display the mobile phone number of the user to other parties and to protect user privacy when participating in the system corresponding to the invention.

The following describes the typical procedure for making payments using the system for drawing.

In the first stage, the user decides to make a purchase at the cashier or devices using the device 10 of the payment terminal. The user uses his mobile phone 14 to call the authorization center 1 via the mobile network 5 voice messages.

In the second stage, the authorization center 1 uses the identity of the caller, to install and to decide whether the caller is registered Patel or caller's mobile phone.

After successful verification, as described above, the user is prompted to enter your security code/authentication, if the account parameters database 2 data subscribers require user authentication. The user enters the code via the keypad of the mobile phone 14. In the next step 1 authorization checks and compares the security code/authentication received from the mobile phone 14 to the mobile network 5 voice messaging, ID protection/authentication stored in the database 2 data subscribers. If authentication is not successful (i.e., the entered code does not match the code in the database), the center 1 authorization terminates the connection. If the authentication is successful, the authorization center 1 instructs the user to set his cell phone on speaker adapter means 20 of the communication device 10 of the payment terminal. The payment terminal device shows the user information, for example, on the display, how to install cell phone on speaker adapter.

In the next step, the device 10 of the payment terminal and the center 1 authorization to exchange the required data of the transaction or payment data over the voice channel established by the mobile phone 14. Danniele device 10 of the payment terminal and interface 4 connection in the center 1 authorization. The tool 11 processing manages the exchange of data transactions on the side of the device 10 of the payment terminal.

In the next step, the authorization center 1 checks whether the data deals with the technical requirements on the user's account (transaction limits ...) and confirms or rejects the operation. If the operation was confirmed by the authorization center 1, the device 10 of the payment terminal sends a signal or data generated by the tool 11 processing, via a connection 13 to a mechanism for dispensing goods or terminal outlets, vending machine, etc. for a vacation paid for goods or approval of the services provided by these units, or display visual confirmation, if the sale is performed by the seller.

Claims

1. The payment terminal device to communicate with the device retail outlets and mobile phone (14) for connection with the center (1) authorization, in which the device (10) of the payment terminal includes an interface means (19) for connection with the possibility of disconnecting the device (10) payment terminal with a mobile phone (14) for information exchange voice data between the device (10) of the payment terminal and the center (1) authorization for mobile is, connected to the interface means (19) for processing data received from the interface means (19), and to generate the data sent to the interface means (19), while the interface means (19) includes a means (20) connection to communicate with the mobile phone (14) and the modem (12) connected to the tool (20) communication and a means (11) processing for converting data received from the center (1) authorization for the mobile phone and via the means of communication, data, send in the tool (11) processing, and for converting data received from the means (11) processing, speech data adapted for transmission in the center (1) authorization through the means of communication and on the mobile phone, the tool (20) has an acoustic coupler for transmitting voice data on a mobile phone (14) in the center (1) authorization and Vice versa.

2. The payment terminal device under item 1, in which the acoustic coupler has a microphone (17) for connection with the loudspeaker (15) mobile phone (14) and the loudspeaker (18) for connection to microphone mobile phone (14).

3. The payment terminal device under item 1 or 2, in which the distance between the microphone and the loudspeaker adapter is adjustable to adapt the AK is made of PP.1-3, in which the tool (20) has a means of plug connector for connection with a plug connector of a mobile phone to exchange information of the speech data in the form of electrical signals between the mobile phone and communication tool.

5. The payment terminal device according to any one of paragraphs.1-3, in which the means of communication is infrared (IR) interface for communication with the corresponding IR-interface mobile phone to exchange information of the speech data in the form of infrared signals between the means of communication and the mobile phone.

6. The payment terminal device according to any one of paragraphs.1-3, in which the means of communication is radio frequency (RF) interface for communication with the corresponding RF-interface mobile phone to exchange information of the speech data in the form of RF signals between the means of communication and the mobile phone.

7. The payment terminal device according to p. 4, in which the tool socket has lots of different plug connectors for connection with plug-in connectors of different types, respectively, of mobile phones of different types.

8. The payment terminal device according to any one of the preceding paragraphs in which the tool (11) data contains at IU the previous paragraphs, in which the device (10) payment terminal provides a means of data entry.

10. The payment terminal device according to p. 9, in which the input contains at least one keyboard.

11. The payment terminal device according to any one of the preceding paragraphs in which the payment terminal device includes a printer.

12. The payment terminal device according to any one of the preceding paragraphs in which the payment terminal device includes a display.

13. System for the exchange of payment data containing the device (10) of the payment terminal device communication outlets and mobile phone (14), centre (1) authorization to communicate with the mobile network (5) voice messaging and financial reporting system, mobile phone (14) for connection to the mobile network (5) transmission of voice messages and a device (10) of the payment terminal, the payment exchange of data is performed from the device (10) of the payment terminal on a mobile phone (14) and mobile networks (5) voice message center (1) authorization and Vice versa, from the centre (1) authorization for the mobile network voice messaging and mobile phone to the payment terminal device, and the payment on the>p>14. The system under item 13, in which the exchange of payment data is initiated when the center (1) authorization takes predefined caller ID for the user who call the authorization center by the mobile phone user.

15. The system under item 13 or 14, in which the exchange of payment data continues, if the center (1) authorization takes a predefined security code/authentication of the user calling the authorization center on a mobile phone (14) of the user.

16. System according to any one of paragraphs.13-15, in which the centre (1) the authorization is sent to the mobile phone information, which prompts the user to connect a mobile phone device (10) of the payment terminal.

17. System according to any one of paragraphs.13-16, in which the exchange of payment data contains information of the transaction.

18. The system under item 17, in which the exchange of payment data contains information to confirm or reject the transaction.

19. System according to any one of paragraphs.13-18, in which payment data is encrypted to protect the exchange of payment data.

20. System according to any one of paragraphs.13-19, in which the device (10) of the payment terminal includes an interface means (19) for connection with the possibility of disconnection of the device (10) of the payment terminal and the center (1) authorization on a mobile phone (14), moreover, the payment terminal device further comprises means (11) data processing, connected to the interface means (19) for processing data received from the interface means (19), and to generate the data sent to the interface means (19), while the interface means (19) includes a means (20) connection to communicate with the mobile phone (14) and the modem (12) connected to the tool (20) communication and a means (11) processing for converting data received from the centre (1) authorization on a mobile phone and via the means of communication, data is sent to the tool (11) processing, and for converting data received from the means (11) processing, speech data adapted for transmission in the above-mentioned center (1) authorization through the means of communication and on the mobile phone, the tool (20) has an acoustic coupler for transmitting voice data on a mobile phone (14) in the center (1) authorization and Vice versa.

21. The authentication method for the actuation device (10) of the payment terminal and the payment terminal device includes an acoustic coupler, and the payment terminal device connected to the device outlet, and the method includes olny phone (14) is connected with the center (1) authorization data exchange operations center (1) authorization by voice channel established with a mobile phone (14), the reception confirmation or rejection from the centre (1) authorization, and the output signal confirmation device outlets in case of confirmation received from the authorization center.

22. The authentication method according to p. 21, further comprising the step of encoding data exchanged in the transaction.

23. The authentication method according to p. 21, further comprising the step of printing the confirmation procedure of payment.

24. The authentication method for the actuation system for the exchange of payment data containing the device of the outlets, the device (10) of the payment terminal, centre (1) authentication and mobile phone (14), in which the device outlets are connected to a device (10) of the payment terminal, and the device (10) of the payment terminal includes an acoustic coupler, and the method includes establishing a connection between a mobile phone (14) and the center (1) authorization via the mobile network (5) voice messaging, centre (1) authorization caller identification for a decision whether the caller is registered floor is the information prompts the user to connect a mobile phone (14) with the device (10) of the payment terminal, if the caller is a registered user of the system, the installation of a mobile phone (14) on acoustic adapter device (10) of the payment terminal, the communication transaction between the device (10) of the payment terminal and the center (1) authorization by voice channel established with a mobile phone (14), the device (10) payment terminal confirmation or rejection from the centre (1) authorization and conclusion of the confirmation signal from the device (10) of the payment terminal device outlets in case of confirmation received from the authorization center.

25. The authentication method according to p. 24, additionally comprising the step of continuing the communication of the transaction, if the center (1) authorization takes a predefined security code/user authentication, the caller in the center (1) authorization on a mobile phone (14) of the user.

26. The authentication method according to p. 24, further containing the step of interrupting the connection with the caller's mobile phone, if the check is in the center (1) authorization that the user is a registered user of the system, failed.

27. The authentication method according to p. 24, in which the exchange of payment data contains information of the transaction.

DS protect the exchange of payment data.



 

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FIELD: formation of payment documents.

SUBSTANCE: the information meaningful for the payment document is introduced in the computer of the financial settlements and check-out center, the payment document is formed in the form a text and the first dot-and-dash code line and introduced in the electronic data base, the document is displayed for payment to the payer, the payer introduces the information on the quantity of consumed resources and the sum of payments to the document according to the acting tariff rates, these data are introduced in the cash register of the payment reception center with the date of payment, types and sums of payments, these data and the second dot-and-dash code line with these data on the document are represented by means of the cash register, it is sent to the financial settlements and check-out center, the first and second dot-and-dash code lines are read out, the information is compared with the electronic base, entered together with the information on reception of the payment in its electronic data base.

EFFECT: automated formation of documents with due account made for payments determined by the floor space, quantity of people living there and the quantity of the consumed resources.

8 cl, 1 dwg

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