Electronic payment circulation method using short message service

FIELD: technologies for realization of electronic payment circulation with utilization of mobile terminal.

SUBSTANCE: method includes following stages: transferring request for payment from mobile terminal into payment realization center, transfer of required payment parameters from mobile terminal to payment making center, assignment to each payment procedure of unique transaction code or permission code and transfer of assigned transaction code or permission code to mobile terminal and/or addressee of payment.

EFFECT: improved reliability of communication between payment requester and center for making payments.

2 cl, 9 dwg

 

The present invention relates to the method of execution of electronic payment transactions using the mobile terminal, the software for implementing such a method, and a telephone card for mobile phone, on which you downloaded the mentioned software.

A prerequisite of the present invention is widespread in recent times the idea of using, for example, a mobile phone as a means of payment and in particular as a replacement credit card. The use of credit cards as means of payment leads to the fact that at the present time, information about the owner of the credit card remains on the copy of your document, the Contracting entity partner agreement). At present we cannot exclude that using this information, the unauthorized person has the ability to make purchases over the Internet with the repayment of expenses or payment through unauthorized use of a credit card. Available on the credit card information includes the following:

- Enterprise producing credit cards

- Name of credit card holder

Credit limits expressed colours or designation card

- Credit card number(16-bit)

- Date of expiration

- Signature of card holder

- Magnetic stripe with PIN (personal identification number) code to get cash from the machines

- Photo of the card holder on the back

Due to the introduction of pictures on the reverse side of the security level was raised to reduce abuse of of stolen credit card, if the credit card if the payment is transferred to the business partner under the contract to perform the payment, while the credit card is entered into the reader or deduction from the account are made mechanically.

Each payment with the credit card account accompanied by a document (receipt), which in the open form contains the following major attributes:

- Enterprise credit card or partner settlements

Number card holder

- Name of credit card holder

- Date of expiration

- Signature of credit card holder

Firm paybox.net AG (Internet address: www.paybox.net) presents a system for payment transactions, which enables end customers to make payments using their mobile phones on the Internet, in stationary retail, mobile service provider and each other. For payment, the seller calls the t at this toll-free number of the company paybox. Then he requested the payment amount and the number of the mobile phone client. These data should then be entered by the seller via the keyboard. Finally, the company paybox calls the customer and allows him to authorize the payment. In conclusion, a successful payment is confirmed by the payer of the transaction. The relationship between seller who would like to issue a payment order, and the Central point for the execution of payment transactions carried out by the traffic feed the telephone line.

Hence the drawback consisting in the fact that this channel traffic may be blocked, it can create interference, or for any reason it cannot be used effectively. In addition, the known system is not designed to execute payments through credit card accounts.

Proceeding from the above prior art, the present invention is the creation of a system of electronic payment transactions, which is designed to make payments via credit card accounts. In addition, the system must also ensure reliable communication between customer payment and the center for payments.

In accordance with the invention this task is solved by the features of independent claims. Dependent claims develop the basic idea of the invention special is about the preferred way.

In accordance with the invention provides thus a method for electronic payment transactions using a mobile terminal such as a mobile phone. In this first with the mobile terminal in the centre of payments sent a request for payment. At the same time or after transmission of the request for payment from the mobile terminal in the centre of payments sent payment terms. Terms of payment may include, for example, the recipient of the payment, the number of applied credit card, the payment amount, etc. Each procedure of payment is assigned to characterize the individual transaction code or code resolution, which is forwarded to the mobile terminal and/or the recipient of the payment.

By forwarding individual transaction code or passkey can be guaranteed that all parties involved (the user of the mobile terminal on one side and the recipient of payment on the other side) receive accurate information about the success or failure of a payment transaction. Well as proof of purchase for the center payments easier by providing parties, especially the recipient of the payment, individual transaction code or passkey.

Individually the th transaction code or code approval, for example, be generated by the Central payments in response to the request for payment.

If direct information exchange between the recipient of the payment center payment, for example, due to the lack of a network address of the recipient of payment is only possible from the recipient of the payment center payment (this is generally the case for modern POS and then, when they are connected to the Central station), it is particularly preferable if the individual transaction code or code resolution is generated by the recipient of the payment and transmitted to the Central payments, and the Central payments sends the transaction code or the code permits the mobile terminal only if the subsequent payment.

Thus it can be guaranteed that the recipient of the payment receives reliable information about the success or failure of a payment transaction and in the absence of direct communication from the centre of payments to the recipient of the payment (for example, by comparing the individual transaction code or passkey, forwarded from the centre of transactions on the mobile terminal, with individual transaction code or code permissions generated by the recipient of the payment). Thereby it is possible to refuse shipment native code permissions to the receiver of the payment.

Additional PR is the property of this method should be seen in the fact, that the possibility of manipulation by the user of the mobile terminal is minimized.

In a preferred embodiment, the individual transaction code or code permissions contains information about the recipient of the payment and/or sums of payment.

This provides an opportunity for the recipient of the payment to exercise control over the payment conditions, generated by the user of the mobile terminal and transmitted to the Central payments (particularly in relation to the recipient of the payment and invoice). In addition, the center payments thus facilitates the ordering of a data set related to a specific payment process (for example, terms of payment and transaction code).

To prevent attempts to manipulate with the "aging" of the individual codes permit, is also preferred, if the individual code or code permission is equipped with a freely definable time limit of validity (e.g., hour, day, week).

According to another preferred variant implementation, the recipient of the payment generates for each payment private key and sends it to the center payments. Assignment of an individual transaction code or passkey is then under this is predpochtitelno variant implementation through the centre of payments and using forwarded from the recipient of the payment private key thus that the recipient of the payment can check the validity of individual transaction code or passkey using the underlying private key.

Preferred in this embodiment is that the individual code authorization or transaction code is assigned only when interacting with the recipient of the payment, and not only one recipient of the payment.

In addition, it may be ensured that the information provided to the recipient of the payment from the user of the mobile terminal garbled code transaction code or resolution is recognized as invalid. Thus further increases the protection of the claimed method from unauthorized manipulation.

Also in the application developed by the recipient of payment private key is preferred when an individual key contains information about the recipient of the payment and/or the amount of you make payment and is further provided with a freely definable time limit really.

To be able to refrain from sending additional confirmation of payment, especially preferred is, if the shipment is an individual transaction code or passkey through the center of the payment which represents the resolution of payment.

As a modern, podkluchen the e to the Central station POS terminals, which in the sense of the invention are, for example, as the payment address, usually do not have individual network addresses, direct addressing of individual POS terminal, and thus a direct connection with the cash terminal, as a rule, impossible.

In such cases, it is preferred if the shipment is an individual transaction code or passkey is from the centre of payments to the recipient of the payment through the mobile terminal.

If this is adopted from the center of the payment transaction code or code permits the mobile terminal may be transmitted further preferably via the radio interface (for example, via an infrared connection, or Bluetooth connection).

According to a preferred variant implementation of the present invention, the information exchange between the mobile terminal and the Central payment is made, at least partially (in time or distance), by channel or data channel signaling interface of the radio.

Data channels or signaling channels known radio interfaces, such as relevant standards GSM and GPRS or UMTS standards, have an advantage over the channels of traffic, consisting in the fact that they represent the most fast and stable is the connection type. In addition, the transmission channel or data channel alarm can now be encrypted, so that data transmitted only with difficulty can be intercepted by an unauthorized third party.

Information exchange between the mobile terminal and the Central payments can be made, at least partially (in time or distance), through the so-called short message service (SMS) of the GSM standard or by the relevant services of short messages to a different standard (e.g. GPRS or UMTS).

Short message service (SMS) allows a mobile subscriber to send messages to the GSM standard length of 160 characters. The transfer is carried out using a so-called centre short message service (SMS centre) mobile phone provider. In the center of SMS messages can be stored intermediate image and then be transferred to a mobile subscriber. When this message is transmitted via a free resource in the signaling path and thus does not require the expenditure of resources channels of traffic. In the receiver of the message can be stored on the SIM card (subscriber identity module) or directly on the mobile phone. On the SIM card reserved memory for about 10 short messages of 160 characters each. Mobile Gabon the NT has therefore the opportunity to enter a short message via the keyboard of the mobile station and send them to another subscriber through the SMS center. If the radio network is temporarily unavailable, the short message is stored in the SMS center and sent only when the user re-register with your SIM module in the mobile radio network.

Information exchange between the mobile terminal and the Central payments can be made using data that is read from the memory of the mobile terminal.

This memory may be, for example, continuously embedded in the mobile terminal or may be provided on the map, located in the mobile terminal, for example, on the SIM card or on a smart card (under smart card or smart card is understood in the General case, the card corresponding to the SIM card with an embedded processor).

Read from the memory data that can be loaded statically or preferably can be generated dynamically, must be suitable to unambiguously recognized by the corresponding mobile terminal.

The payment options may appear in your credit card information.

Credit card information this is not directly available to the recipient of the payment. Moreover, credit card information is transmitted only in encrypted form from the mobile terminal to the design center to make payments (cents is in payment).

Credit card information can be manually entered into the mobile terminal. Alternative it may also be stored on the card in the mobile terminal, produced in cooperation with the company responsible for issuing credit cards.

After successful payment information on subsequent payment transaction can be loaded into a memory of the mobile terminal. This memory may be provided on one of the existing mobile terminal cards.

This conservation allows the mobile phone user to make more accurate cost control.

The transaction information may then, through the authorized user of the mobile terminal to read from and/or transmitted to another device (home computer). So the transaction information, if necessary, can be measured and, for example, using the account management further processed.

Depending on the payment options payment can be run as an urgent payment or offset in time.

According to another aspect of the present invention provides software for implementing the described method.

In addition, in accordance with the present invention provides calling card for mobile phone, which has a memory for loading a program is mnogo provide for execution of the specified method.

Additionally in accordance with the present invention provides a server for electronic payment transactions, which has software for execution of the corresponding invention of the method.

Other features, advantages and properties of the invention are explained in the following description of embodiments with reference to the drawings, in which:

Figure 1 - system of electronic payment transactions using the mobile terminal according to the claimed invention;

Figure 2 - block diagram of the sequence of operations for communication between your mobile phone and a POS terminal;

Figure 3 - the process of payment for application own a mobile phone and a POS terminal;

Figure 4 - the image that appears in the payment process, the display of the POS terminal;

5 is a block diagram of the sequence of operations and the display of the mobile phone application mobile phone company partner agreement;

6 is a display on the mobile phone display during the procedure of payment using a mobile phone company partner agreement;

7 is a display of a mobile phone and a personal computer (PC) mode of payment;

Fig - block diagram of the sequence of operations is to be displayed on the display of the mobile phone to process payment with your mobile phone or POS terminal for the case of deferred payment (check in the hotel) and

Fig.9 is a block diagram of a sequence of operations to display on the display of the POS terminal to the payment procedure with their own mobile phone or POS terminal for the case of deferred payment (check in the hotel).

With reference to figure 1 will first explain the system, which can find application in accordance with the present invention. Under this scenario, it is envisaged that the client mobile terminal, particularly a mobile phone 1, would like to make payment at the POS terminal 9 and the recipient of the payment (e.g. supermarket). This payment should electronically be made through the account to which assigned certain credit card of the client.

The mobile terminal (mobile phone) 1 user has ordinary SIM card 2, which has a memory function. Using the mobile phone 1 and SIM card 2, the user can communicate with the SMS center 4 short messages (SMS) via the first radio interface 3. This exchange takes place via the first radio interface 3, which is shown in the embodiment corresponds to the GSM standard.

As for the present invention need only one data channel or the signaling path, the mobile terminal may also be designed in such a way that it can transfer the AMB and accept only SMS, but is not intended to establish traffic channels (voice channel).

The SMS center 4, which, for example, is controlled by the network provider associated with the server 5, which, on the one hand, associated with the estimated center 6 for payment by credit card (clearing centre), and on the other hand, with the destination 7 payment through connection 10 data. The server 5 connections functionally and geographically to be combined with the estimated center 6 for payments.

More precisely, the server 5 is connected with the cash server 7 recipient 8 payment and settlement server 7, in turn, is associated with a variety of POS terminals 9 recipient 8 payment.

In addition, if necessary, when data must be transmitted directly between the mobile terminal 1 and the destination 8 payment, provided the local second interface 11 of the radio communication between the recipient 8 payment more accurately POS terminal 9 recipient 8 payment and the mobile terminal 1. In the case of this second interface 11 of the radio it could be, for example, a Bluetooth connection or an infrared connection.

With reference to figure 2-7 below explains the procedure functioning in accordance with the present invention.

To implement this solution requires the following components:

- credit card,

- nome is a credit card,

- are available and already in use by the settlement center of payment) credit limits

- PIN

- transaction code or code testing (permissions)

in necessary case, the key recipient of the payment,

- mobile phone with special software.

As for hardware, it uses either a private or shared on the site of the mobile phone (mainly mobile phone, the SIM card memory which can be configured in such a way that it provides the following features:

in the case of a private mobile phone relevant information is read by a brief call from memory, and establishes the connection with the corresponding company responsible for issuing credit cards, or respectively with the design centre, namely:

- identification of the owner of the credit card,

- credit card number

- period of validity.

Communication costs are charged to the credit card holder or business partner agreement.

- if the local cell phone company contract partner (recipient of the payment) relevant information is read from the memory on the card, and establishes the connection with the company responsible for the issuance of credit card is, or in accordance with the settlement centre, namely:

- room company, the contract partner.

Communication costs are charged to the company, the contract partner.

For reasons of reliability for transactions and for communication between enterprise contract partner and the owner of the credit card currently available SMS platform.

Payment using their own mobile phone credit card holder

The payment on account document

In the case of payment using your own mobile phone, as shown in figure 2, 3 and 4, prescribes the following procedure:

through dialling a telephone number settlement centre (centre for payments) from internal memory to the SIM card of the mobile phone in an SMS message transmits the credit card number credit card holder in the company responsible for issuing credit cards, or respectively in the settlement centre (figure 2);

connection is established and you need to enter a PIN code, credit card holder, as well as non-company partner agreement (figure 2) on the keypad of a mobile phone;

- verification of entered data clearing center and the confirmation information to the credit card holder;

- clearing center (the company responsible for issuing credit cards) parade is then the following information back to the mobile phone, where it is displayed (figure 2):

- disposable and updating the credit limit of the cardholder,

individual 12-bit transaction code (alpha-numeric) as payment, which is then transferred to an accounting record of the recipient of payment (business partner contract settlement centre) as the basis of calculations. The first two digits transaction code can serve to identify the clearing center

- The client and the credit card holder confirms his / her mobile phone number of the company's contract partner, gaining on your mobile phone invoice amount and sends this information back to the clearing center (figure 3);

An alternative may be to implement a second PIN or enter the PIN as an extra sign of security;

- The close (the deal) by the inverse of the message of the company responsible for issuing credit cards, and, accordingly, the clearing center on the customer's mobile phone and the handshake transaction confirmation (OK) (figure 3) by the client on the mobile phone;

- Separation of the connection.

The connection charges for the transaction are charged to the credit card holder or business partner agreement, if cannot be used with any free room.

When done is the implementation of the above procedure is prevented, the number on the credit card each time it is reported by the business partner under the contract and thus preventing further use of this information by unauthorized persons, such as for unauthorized purchases via the Internet, for which the calculations require only the information of the key.

This application is interesting in that case, if the transaction information may be loaded into memory on the SIM card and through an infrared connection or a reader to be read or transferred to your own personal computer. In this case we are talking about the following information:

- the date and time of the transaction,

- enterprise-partner agreement

code resolution of the company responsible for the issuance of credit cards, respectively clearing center

- entered amount of calculation.

The first alternative implementation

According to the first alternative implementation, prescribed the following procedure:

Through dialling a telephone number settlement centre (centre for payments) from internal memory to the SIM card of the mobile phone in an SMS message transmits the credit card number credit card holder in the company responsible for issuing credit cards, or respectively to the clearing house;

- Connect the s is installed and you need to enter a PIN code, the owner of the credit card on the mobile phone keypad;

- Verification of entered data clearing center and the confirmation information to the credit card holder;

- Clearing center (the company responsible for issuing credit cards) then passes the following information back to the mobile phone, where she appears on the display:

- disposable and updating the credit limit of the cardholder,

Client and the owner of the credit card types on his or her mobile phone number of the company, the contract partner and the amount of the invoice and sends this information (payment parameters) back to the clearing center;

Regardless of this, the recipient of the payment process assigns payment individual 12-bit transaction code, which contains information about the recipient of the payment and the invoice amount. In addition, the first two digits transaction code can serve to identify the clearing center. In addition, transaction code has a limit of reality, for example 30 minutes.

- Private transaction code is sent from the recipient of the payment center to make payments.

Center payment compares the information contained in the individual code of the transaction, payment parameters received from the mobile phone.

- At their coincidence on a mobile phone is sent to the individual transaction code as laterza.

- Separation of the connection.

The connection charges for the transaction are charged to the credit card holder or business partner agreement, if cannot be used with any free room.

The second alternative implementation

According to the second alternative implementation, prescribed the following procedure:

Through dialling a telephone number settlement centre (centre for payments) from the memory of the mobile phone transmits a mobile phone short message, the credit card number credit card holder in the company responsible for issuing credit cards, or respectively in the payment center.

Connection is established and you need to enter a PIN code, credit card holder, and the number of venture-partner under the contract on a mobile phone keypad.

- Verification of entered data clearing center and the confirmation information to the credit card holder.

- Clearing center (the company responsible for issuing credit cards) then passes the following information back to the mobile phone, where she appears on the display:

- disposable and updating the credit limit of the cardholder,

- entered parameters of the payment (the recipient of the payment and the value of the account)

Owner cred is based card handshaking parameters of the payment confirmation (OK).

- Recipient of the payment process assigns payment to an individual key, which contains information about the recipient of the payment and the value of the accounts. In addition, the key differs freely selectable time constraints of reality.

- Forwarding key from the recipient of the payment center to make payments.

Center payment compares the information contained in the individual key (the recipient of the payment, the value of the account), with the parameters of the payment received from the mobile phone.

If coincidence center payments by using a received from the receiver of the payment key is generated 12-digit individual transaction code (alpha-numeric) and is assigned to process the payment.

- Private transaction code is sent from the center to make payments in a mobile phone as payment.

- Separation of the connection.

- Check transaction code on the validity of the recipient of the payment by the applicable key.

The connection charges for the transaction are charged to the credit card holder or business partner agreement, if cannot be used with any free room.

In a preferred embodiment of the present invention individual transaction code is transmitted from the mobile phone to Cam the new terminal 9 of the receiver 8 of the payment. This can be done both manually and through alternative local interface 11 of the radio. In the case of the local interface 11 of the radio it may be preferably about Bluetooth connection or infrared connection.

Such behavior is particularly preferred in the case when POS terminal 9 of the receiver 8 payment cannot be directly addressed from the center payments. Retrofitting existing cash registers in the General case does not create problems. On the basis of the local interface the radio and in the above case, there is no need to transfer to manual transaction code to the recipient of the payment, which corresponds to the invention the method can be implemented with higher performance.

The above alternative options for implementation and the preferred implementation of the present invention can similarly transfer described below, other forms of execution of the invention.

Payment via your own mobile phone, respectively POS enterprise partner agreement

This app has great value because the wholesalers with POS terminals currently Express regret that only the share of purchases made through non-cash payment transactions. The main reason is, according to officials, is too long transaction time, which at the present time may be approximately 30 seconds.

According to the invention, the customer is provided the opportunity to prepare a payment transaction, while he was still standing in the queue at the checkout and have enough time to establish a proper connection.

Payment made with your own mobile phone in this case provides the following required procedures:

By dialing a phone number, the clearing center from the internal memory to the SIM card, the mobile phone sends the credit card number credit card holder in the company responsible for issuing credit cards, or respectively in the payment center.

Connection is established and clearing center requires the mobile phone entering the PIN code of the card holder, as well as non-company contract partner, respectively, POS terminal, on which a payment transaction (this number can be seen on each cash register).

- Check the entered data and the confirmation information to the credit card holder.

- The company responsible for issuing credit cards, then passes the following information back and displays it on the display of the mobile is on phone:

- disposable and updating the credit limit of the cardholder,

- 12-digit transaction code (alpha-numeric) as authorization of payment

- The company responsible for issuing credit cards, additionally sends the following information in POS enterprise partner agreement:

- simultaneous transmission of 12-bit transaction code (alpha-numeric) as payment for the display of a partner company under the contract, respectively the point of sale (but without a credit card number or the name of the owner of the credit card),

- on the display of the POS terminal at the same time there is also the invoice amount directly formed in the cash register.

- Option a: the credit card Holder confirms his / her mobile phone number of the company's contract partner, gaining on your mobile phone invoice amount and sends this information back to the clearing center a confirmation (OK).

- Alternative b: this Alternative process may be carried out by entering through the cash terminal PIN + OK.

- Alternatively, you could implement a second input PIN as an extra sign of security.

- The close (the deal) by a response message of the company responsible for issuing credit cards and, accordingly, the clearing center and the handshake transaction confirmation (OK) on the mobile phone and/or POS terminal.

- Separation of the connection.

The connection charges for the transaction again are charged to the credit card holder or business partner agreement, if cannot be used with any free room.

When performing the above procedure prevents that the number on the credit card each time it is reported by the business partner under the contract, and thus preventing further use of this information by unauthorized persons, for example, for unauthorized purchases via the Internet, for which the calculations require only the information of the key.

This application is interesting in that case, if the transaction information may be loaded into memory on the SIM card, and through an infrared connection or a reader to be read or transferred to your own personal computer. In this case we are talking about the following information:

- the date and time of the transaction,

- enterprise-partner agreement

code resolution of the company responsible for the issuance of credit cards, respectively clearing center

- enter your invoice amount.

Moreover, through this connection type, the payment is possible in the case when operational (online) connection between the enterprise partner agreement and the settlement centre is not functioning, náchod is raised under the influence of noise or interrupted. Therefore, the advantage is that the payment is secured using a transaction code.

Payment through their own mobile phone in case of transactions on the Internet under the bottom view 7

When requesting payments on the Internet using a credit card, you must take the highest precautions, as the credit card holder opens up important data of your card, without any guarantee that it is in any case will not lead to abuse of that data.

It is therefore absolutely necessary that the payment was protected by the code that was previously transferred from the company responsible for issuing credit cards, the credit card holder.

The payment is initiated with their own mobile phone. This is provided by the following procedure:

By dialing a phone number, the clearing center from the internal memory to the SIM card, the mobile phone sends the credit card number credit card holder in the company responsible for issuing credit cards, or respectively in the payment center.

Connection is established and clearing center requires the mobile phone entering the PIN code of the card holder, and non venture-partner under the contract for which p is adnanced payment via the Internet.

- Check the entered data and the confirmation information to the credit card holder.

- The company responsible for issuing credit cards, then passes the following information back and displays it on the display of the mobile phone credit card holder:

- disposable and updating the credit limit of the cardholder,

- 12-digit transaction code (alpha-numeric) as payment.

- The credit card holder confirms his / her mobile phone number of the company's contract partner, gaining on your mobile phone invoice amount and sends this information back to the clearing center a confirmation (OK).

- Alternatively, you could implement a second input PIN as an extra sign of security.

- The close (the deal) by the inverse of the message of the company responsible for issuing credit cards, and, accordingly, the clearing center and the handshake transaction confirmation (OK) on the mobile phone.

- Separation of the connection.

The connection charges for the transaction are charged to the credit card holder or business partner agreement, if you can't use the series number is 0800.

When performing the above procedure prevents that the number of the credit card holder is each the time reported by the business partner under the contract and thus preventing further use of this information by unauthorized persons, for example, for unauthorized purchases via the Internet, for which the calculations require only the information of the key.

This application is interesting in that case, if the transaction information may be loaded into memory on the SIM card and through an infrared connection or a reader to be read or transferred to your own personal computer. In this case we are talking about the following information:

- the date and time of the transaction,

- enterprise-partner agreement

code resolution of the company responsible for the issuance of credit cards, respectively clearing center

- enter your invoice amount.

Payment from a mobile phone company partner agreement

In case of payment with a mobile phone company, the contract partner according to figure 5-7 provides the following order of procedure:

- Phone number from internal memory to the SIM card sends the enterprise number of the contract partner in the company responsible for issuing credit cards, or respectively in the payment center.

Connection is established and you need to enter the following information credit card holder:

- information about the owner of the credit card, i.e. a credit card number and expiry date,

The PIN entered by the cardholder,

- the invoice amount.

- Data transfer what's in the enterprise responsible for card issuance, respectively, in settlement center.

- The company responsible for issuing credit cards, respectively clearing center, then passes the following information back and displays it on the display:

- 12-digit code (alpha-numeric) as payment, which is transferred to the settlement document in an enterprise partner in the agreement as the basis for calculation and simultaneously stored on the SIM card.

- The credit card holder enters as confirmation invoice your PIN to confirm the payment and forwards the information to the company responsible for issuing credit cards, and, accordingly, the clearing center.

- On the SIM card of the local mobile phone stored the following information:

- the date and time of the transaction,

code resolution of the company responsible for issuing credit cards, respectively clearing center

- entered invoice amount,

- credit card number under any circumstances is not registered in the company of a partner under the agreement.

The connection charges for the transaction are to be borne by the company, the contract partner if it can't be used no series number is 0800.

This application is interesting in that case, if the transaction information may be loaded into memory on the SIM card, and pose the STV infrared connection or a reader to be read or transferred to your own personal computer. In this case we are talking about the following information:

- the date and time of the transaction,

code resolution of the company responsible for issuing credit cards, respectively clearing center

- entered invoice amount,

- credit card number, however, is not registered in the company of a partner under the agreement.

When performing the above procedure prevents that important information about the owner of the credit card every time it is reported by the business partner under the contract and thus preventing further use of this information by unauthorized persons, for example, for unauthorized purchases via the Internet, which for calculations only require this information.

Payment with their own mobile phone, respectively, POS terminal, venture partner contract with deferred payment (e.g., hotel), according Fig, 9. When registering a guest requires that he gave her credit card with the Registrar, to be used to calculate discharge. At the same time this means for the company-a contract partner is also a guarantee of payment.

Payment made with your own mobile phone provides in this case the following required procedures:

- Phone number from internal memory to the SIM card sends nomenklaturnoy card credit card holder in the company, responsible for issuing credit cards, or respectively in the payment center.

Connection is established and requires entering the PIN code of the card holder, as well as non-company contract partner, respectively, of the terminal, which can then be made of the payment transaction and the amount permitted by the credit card holder for subsequent payment.

- Check and confirm information for the credit card holder.

- The company responsible for issuing credit cards, then passes the following information back and displays it on the display of the mobile phone credit card holder:

- disposable and updating the credit limit of the cardholder (clearing centre),

- 12-digit code (alpha-numeric) as payment.

- The company responsible for issuing credit cards, additionally sends the following information in POS enterprise partner agreement:

- Simultaneous transmission of 12-bit code (alpha-numeric) as payment for the display of a partner company under the contract, respectively the point of sale (but without a credit card number or the name of the owner of the credit card),

- On the display terminal at the same time there is also billed amount, allowed Vlad what litem credit card.

- Option a: the credit card Holder confirms the enterprise number of the partner agreement and sends this information back to the clearing center a confirmation (OK).

- Alternative b: this Alternative process can be performed by input through the terminal PIN + OK.

- Alternatively, you could implement a second input PIN as an extra sign of security.

- The close (the deal) by a response message of the company responsible for issuing credit cards, respectively, the clearing center and the handshake transaction confirmation (OK) on the mobile phone and/or POS terminal.

- Separation of the connection.

Upon payment and discharge prescribed the following procedure:

- Venture partner under the agreement establishes a connection with the company responsible for issuing credit cards, respectively, calculated by the center, and using the stored transaction code and the total amount transferred to the account.

- The company responsible for the issue of cards, respectively clearing center sends back then, the following information:

- Confirmation transaction code and the registered amount,

- The display of the terminal you receive the invoice amount.

From the credit card holder is then required to enter on the terminal the following information:

- To enter a PIN for the approval of the transaction.

- Separation of the connection.

The connection charges for the transaction are to be borne by the company, the contract partner.

Reverse message clearing center to the mobile phone of the owner of the credit card with the following information:

- The date and time of the transaction,

- Enterprise-partner agreement

Code resolution of the company responsible for issuing credit CT, respectively clearing center

- Enter your invoice amount.

This application is interesting in that case, if the transaction information may be loaded into memory on the SIM card, and through an infrared connection or a reader to be read or transferred to your own personal computer.

The connection charges for the transaction are charged to the credit card holder.

When performing the above procedure prevents that the number on the credit card each time it is reported by the business partner under the contract and thus preventing further use of this information by unauthorized persons, for example, for unauthorized purchases via the Internet, for which the calculations require only the information of the key.

Card cash settlement

Modern use of the so-called card cash settlement is and involves, these cards are loaded in the designated place, preferably in a Bank. Memory card cash while still loaded on it, the amount, and when each procedure of payment is accordingly reduced in the same way as it happens in case of payment in cash. Map of the cash payment represents thus an electronic purse that can be fulfilled through the terminal.

In the future it will be possible these cards cash payment to download at home through remote banking transactions banking transactions online (online) connection). The prerequisite for this is a block of read/write (class 3) and the relevant agreement with the Bank, which also provides the appropriate software.

Since this card cash already has all the identification account holder and block read/write fully meets the security requirements of banks, the connection must be via a fixed network connection.

When performing this procedure provides the following sequence of actions:

Card cash payment is entered in the block read/write.

- Read saved on the map of the cash settlement amount.

<> - The connection to the Bank.

- Card-cash settlement read the contract number and transmitted to the Bank or the relevant calculation centre.

- Card-cash settlement read key ("secret key") and transmitted.

By the keyboard unit read/write enter PIN

- Enter the amount that must be loaded on the card the cash payment.

- Transfer the amount on a card cash account.

- Is reading the cash settlement amount.

Connection is disconnected.

Card cash payment is taken out of the block read/write.

This application in the future can strengthen the relationship with customers due to the fact that the company will be releasing their own maps of the cash payment, which can be equipped with additional terms that are specific to the clients. As an example, you could map the cash payment, which may be placed the photograph of the holder. Adults will be able to provide for children download on map corresponding amount so that the children could make purchases for cash.

Control over the transaction

With the help of block read/write class 3 in connection with a personal computer at any time is possible through the Internet updated in the Oh form to download to your personal computer.

When performing this procedure provides the following sequence of actions:

- Credit card is entered in the block read/write.

- Establish a connection with the settlement centre.

With a credit card through the block read/write read a credit card number and transmitted to the billing center.

- Credit card is read key ("secret key") and transmitted to the billing center.

By the keyboard unit read/write enter the PIN code.

- Establishes a dialogue according to the displayed requirements on the screen (for example, date from - to).

- Retrieves the transaction.

Connection is disconnected.

- Credit card is removed from the block read/write.

Further processing is carried out by means of an appropriate application program.

1. Way of electronic payment transactions using a mobile terminal, especially a mobile phone, comprising the following steps:

transfer of payment request from the mobile terminal in the center payments,

transfer the desired parameters of the payment from the mobile terminal in the center payments,

characterized in that it comprises the following additional steps:

the assignment for each procedure payment indie is idealnogo transaction code or passkey,

the transfer of the assigned transaction code or passkey on the mobile terminal and/or the recipient of the payment.

2. The method according to claim 1, characterized in that the individual transaction code or code resolution is generated by the recipient of the payment and sent in the centre of payments, and the Central payment forwards to the mobile terminal transaction code or code permits only after the subsequent payment.

3. The method according to claim 1 or 2, characterized in that the individual transaction code or code permissions contains information about the recipient of the payment and/or value of the amount paid.

4. The method according to any of the preceding items, wherein the individual transaction code or code permission is equipped with a freely definable time limit really.

5. The method according to claim 1, characterized in that for each payment by the recipient of the payment is generated private key and sent to the Central payments and assignment of an individual transaction code or passkey means of making payments and using the private key, is transmitted from the recipient of the payment, is that the recipient of the payment can check the validity of individual transaction code or passkey on the basis used individualno the key.

6. The method according to claim 5, wherein the private key contains information about the recipient of the payment and/or value of the amount paid.

7. The method according to claim 5 or 6, characterized in that the private key is equipped with a freely definable time limit really.

8. The method according to any of the preceding items, wherein the individual shipment transaction code or code resolution represents the resolution of payment.

9. The method according to any of the preceding items, wherein the individual shipment transaction code or passkey from the centre of payments to the recipient of payment is carried out via the mobile terminal.

10. The method according to claim 9, characterized in that the adopted center payment transaction code or code permission is sent forth from the mobile terminal via the radio interface to the recipient of the payment.

11. The method according to claim 10, characterized in that the radio interface is an infrared connection, or Bluetooth connection.

12. The method according to any of the preceding paragraphs, characterized in that the communication between the mobile terminal and the Central payment is made, at least partially, through the data transmission channel or the signaling path of the radio interface.

13. The way pop, characterized in that the communication between the mobile terminal and the Central payment is made, at least partially, via a short message service (SMS) of the GSM standard.

14. The method according to item 12, wherein communication between the mobile terminal and the Central payment is made, at least partially, via the short message service GPRS or UMTS.

15. The method according to any of the preceding paragraphs, characterized in that when performing communication between the mobile terminal and the Central payments uses the data read from the memory in the mobile terminal.

16. The method according to item 15, wherein the data uniquely identify the mobile terminal and either statically loaded or dynamically generated.

17. The method according to item 15 or 16, characterized in that data is read from a card in the mobile terminal.

18. The method according to any of PP-17, characterized in that data is read from the SIM card.

19. The method according to any of PP-17, characterized in that data is read from the smart card in the mobile terminal.

20. The method according to any of the preceding items, wherein the payment options include credit card information.

21. The method according to claim 20, wherein the credit card information is not available to the addressee cards is MS.

22. The method according to claim 20 or 21, characterized in that the credit card information manually entered into the mobile terminal.

23. The method according to any of the preceding paragraphs, characterized in that the communication between the mobile terminal and the Central payment is encrypted.

24. The method according to any of the preceding paragraphs, characterized in that after making payment information related to the transaction is stored in the memory of the mobile terminal.

25. The method according to paragraph 24, wherein the transaction information can be read by an authorized user of the mobile terminal and/or transmitted to another device.

26. The method according to any of the preceding paragraphs, characterized in that the payment is in accordance with the parameters of the payment shall be effected promptly or offset in time.

27. Phone card for a mobile phone that contains the memory, which contains data used by a processor of the mobile phone to perform steps of the method according to any one of claims 1 to 26.



 

Same patents:

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7 cl, 3 dwg

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6 dwg

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1 dwg

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9 dwg

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