WO2013127579A1

WO2013127579A1 - Mobile payment method via mobile devices

Info

Publication number: WO2013127579A1
Application number: PCT/EP2013/051432
Authority: WO
Inventors: Levent BERKMAN
Original assignee: Softtech Yazilim Teknolojileri Arastirma Gelistirme Ve Pazarlama Ticaret A.S.
Priority date: 2012-02-28
Filing date: 2013-01-25
Publication date: 2013-09-06
Also published as: TR201202259A2

Abstract

A mobile payment method is designed to facilitate payment via key-in procedure, exists in physical Point of Sales (POSs), was issued as alternative to currently employed payment transaction methods, such as; credit and debit cards which includes the necessity of carrying them all together. The method is basically covers the transformation of the transaction information to the transactions association source (issuer bank) by an application on commonly used mobile devices instead of plastic credit and debit cards and a simple integration on present POS transaction systems.

Description

DESCRIPTION

MOBILE PAYMENT METHOD VIA MOBILE DEVICES

BACKGROUND OF THE INVENTION

[0001] Mobile payment methods are developing as alternative to payment transactions, such as cash, checks, bills, debit and credit cards.

[0002] Currently, the payment transactions with debit and credit cards are processed verification and approval of the transaction through reading of required information over sales terminals. Customers should carry all cards of different issuer banks. The payment transaction should be processed by using of the related card to the merchant by customer. The PIN (Personal Identification Number) of the card should be entered by the customer to POS or pin pad, if required.

[0003] Payment of transaction through internet retailing with credit cards, the card number, and some additional personal confidential information are required. Thus, this information is shared with third parties. [0004] Today, the ongoing studies are to develop more simple and user-friendly transaction payment methods.

[0005] Although; there are many systems constructed as mobile payment methods, even the generally accepted and commonly used ones in real-life, because of the complexity, utilization difficulties and requirement of additional equipment could not widespread enough. These systems are using particularly evolved equipment, such as; Near Filed Communication (NFC), Radio-Frequency Identification (RFID) and Bluetooth technologies which includes the related card information transfer pathways to POS via labels, barcodes, chips or flash memories.

[0006] In NFC payment method, seller should have a capable contactless payment system. Since the NFC featured devices are not very widespread and, utilization difficulties of NFC property subsequently acquired with additional hardware devices, this system is not able to become prevalent enough.

[0007] Other payment methods in which the card information physically suppressed on labels, chips and flash memories, the additional external hardware should be mount to the mobile devices. In another system, the card information suppressed into virtually formed and "Barcode" or "QR Code" called, one or two-dimensional barcode visuais, anu snouiu be sense and read by POS terminals by specific technologies.

[0008] Remarkable developments are necessary for, not only POS devices; but also, mobile device hardware for these payment systems to become more prevalent. Thereby almost all of these systems are bring along with their challenges and complexities.

[0009] To satisfy the security bothers of the internet clients, there are many studies to have the card information and transfer it to the merchants, safely, which are still not adequate. Consequently, additional security options offered, such as; 3D security systems, virtual cards, pre-paid cards and door-step-payment. In all of these systems, clients should load the required amount of the transaction before the shopping or hold the cash with them.

[0010] The basic withdrawals of all of these systems are security, to become common and utilization difficulties. Since then card information directly transfers to the POS terminal, security vulnerabilities are exist. The card information line open to attacks, since it keeps on labels, barcodes, chips or flash memories. To prevent these attacks, so additional security steps and operations were included to the payment transactions processes. Yet, these additional controls extend the process and therefore cause reducing of usability.

SUMMARY OF THE PRESENT INVENTION

[001 1 ] By means of this invention, with small-scale integration development of POS, Bank/ Domestic Short Message System Forwarding and Switch System/ Other Switch Systems will be ready to use by using currently employed transaction payment methods with cards and without the necessity of changing POS payment operation process. Besides, by contrast with other payment methods, since any particularly developed hardware is not required to mount to the device or hold, this method will be used with current mobile devices. This will make it easier to become prevalent. With this invention, transaction payments would be done by any mobile devices.

[0012] Although the transformation of card information between hardware are encrypted in other payment methods, it is still lie open to attacks like cloning, etc. Yet, in this method, information belong to card is not record on mobile device. Even if any attack would occur during the transfer of information between mobile device and systems, since this information does not pose a threat, system is as safe as currently empioyeu ruo payment systems.

BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 . Substructure of an embodiment of The Mobile Payment System [0014] Figure 2. Substructure of an embodiment of The Mobile Payment System [0015] The referred numbers in drawings;

1 . Mobile Device (MD)

2. Customer Information Gate (CIG)

3. Process Gate (PG)

4. Issuer Bank (IB)

5. Point of Sale (POS)

6. Mobile Application (MA)

7. POS Owner Bank, Acquirer Bank (Al)

8. Credit Card Systems (CCS)

9. Virtual POS (VPOS)

10. Encrypted Information (El)

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0016] The invention a method provides a transaction payment with an application works on mobile device and a physical or virtual POS system without using a plastic card.

[0017] For payment of the transaction, customer opens MA (6) and enters matchless customer number and PIN. The matchless information of customer number and PIN reaches to CIG (2) through HTTPS. CIG (2) verificates the customers with this information, takes the customers card information from IB (4) and transfers to mobile device. The transferred card number could be included masked card number, card limit, bonuses and the statement date.

[0017] Merchant enters the amount of transaction and POS (5) transfers the matchless information which includes the Terminal Identification, System Trace Audit Number (STAN), and the amount to PG (3). This operation keeps on PG (3) as pending operation. On POS (5), El (10) forms, which includes the following information or more; me amouni of the transaction, Terminal Identification and STAN. El (10) could be "QR Code", two- dimensional barcode or an encrypted (or not) visual or audial formed by another method. MA (6) in MD (1 ) reads El (10) which forms on POS (5) screen and separates the information. MA (6) transfers the corresponding operation information to CIG (2). The corresponding information could be include; related card data, Terminal Identification, STAN and the amount of the transaction. CIG (2) finds the related card number and transfers to PG (3) with the information come from MA (6). PG (3) finds the corresponding pending operation and transfers all operation information to POS (5). Then, POS (5), with all operation information and currently employed POS payment algorithm, makes the payment of the transaction through AB (7) with operation information. AB (7) transfers the payment result information to POS (5). After POS (5) printed out the result of the payment, it forwards the result information to PG (3).

[0018] PG (3) is capable to send this information through "push notification" or SMS to MA (6).

[0019] In another case of this invention, when customer arrives the payment step of the online-shopping, virtual POS (9) transfers the matchless information which includes the Terminal Identification, System Trace Audit Number (STAN), and the amount to PG (3). This operation keeps on PG (3) as pending operation. El (10), which forms for that transaction only, disappears on interface of user virtual POS, which includes the following information or more; the amount of the transaction, Terminal Identification and STAN. El (10) could be "QR Code", two-dimensional barcode or an encrypted (or not) visual or audial formed by another method.

[0020] Customer opens MA (6) and enters matchless customer number and passcode. The matchless information of customer number and passcode reaches to CIG (2) through HTTPS. CIG (2) verifies the customers with this information, takes the customers card information from IB (4) and transfers to mobile device. The transferred card number could be including masked card number, card limit, bonuses and the statement date.

[0021] MPA (1 ) in MD (1 ) reads El (10) which forms on virtual POS (5) screen and separates the information. MA (6) transfers the corresponding operation information to CIG (2). The corresponding information could be include; related card data, Terminal Identification, STAN and the amount of the transaction. CIG (2) finds the related card number and transfers to PG (3) with the information come from MA (6). Pu (o imus me corresponding pending operation and transfers all operation information to virtual POS (9). Then, with the information comes from virtual POS (9), and currently employed POS payment algorithm, makes the payment of the transaction through AB (7). AB (7) transfers the payment result information to virtual POS (9). Virtual POS (9) shows the result of the payment, it forwards the result information to PG (3).

[0022] PG (3) is capable to send this information through "push notification" or SMS to MA (6).

[0023] A different case of this invention, the encrypted (fixed encrypted or not encrypted visual or audial) information of related item, service, and such, pre-published over physical material, virtual or audial broadcasting.

[0024] Customer opens MA (6) and enters matchless customer number and PIN. The matchless information of customer number and PIN reaches to CIG (2) through HTTPS. CIG (2) verifies the customers with this information, takes the customers card information from IB (4) and transfers to mobile device. The transferred card number could be including masked card number, card limit, bonuses, the statement date or more.

[0025] MA (6) in MD (1 ) reads El (10) which pre-published over physical material, virtual or audial broadcasting and separates the information. Any additional information could be entered over MA (6). MA (6) transfers the corresponding operation information to CIG (2). The corresponding information could be include; related card data, Terminal Identification, STAN and the amount of the transaction. CIG (2) finds the related card number and transfers to PG (3) with the information come from MA (6). PG (3) finds the corresponding pending operation and transfers all operation information to virtual POS (9). Then, with the information comes from virtual POS (9), and currently employed POS payment algorithm, makes the payment of the transaction through AB (7). AB (7) transfers the payment result information to virtual POS (9). Virtual POS (9) shows the result of the payment, it forwards the result information to PG (3).

[0026] PG (3) is capable to send this information through "push notification" or SMS to MA (6). [0027] The mobile payment method described as above, with a sman-suaie ui development on platform of currently employed card-payment system and with regardless of the Issuer Bank and type of the card, will solve the safety issue successfully.

Claims

A mobile payment method comprising the steps of:

(a) The one-off activation of customer's Mobile Device (1 ) and becoming active of that Mobile Device (1 ) for transaction payments;

(b) Registration of the key, particular for that device, in return of transferring the required information for activation of Mobile Device (1 ) by communication with Customer Information Gate (2);

(c) Starting of the payment transaction over POS (5) on payment point by seller;

(d) Transformation of the information of the transaction by POS (5) to Process Gate (3);

(e) Saving of the incoming transaction as pending transaction of Process Gate (3);

(f) Formation of encrypted information of transaction on POS (5) or any additional hardware mount to POS (5);

(g) Sensation of the encrypted information (10), and settlement of it by opening Mobile Application (6) by camera, microphone, etc. on the Mobile Device (1 );

(h) Sending of Customer Information Gate (2) of Mobile Application (6) by using the separated information by itself;

(i) Communication of Customer Info Gate (2) with Issuer Bank (4) by using incoming request, and preparation of the information of the related card number and corresponding transaction, and transfer to Process Gate (3);

(j) Finding of corresponding pending transaction of incoming transaction by Process Gate (3) and sending the information of the related transaction to POS (5);

(k) Realization of usual payment pathway with the information of incoming operation by POS (5);

(I) Transformation of the result of the transaction to Process Gate (3) by POS (5); (m) Transformation of the result of the transaction to Mobile Application (6) by Process Gate (3);

(n) Presentation of the result of the transaction by Mobile Application (6).

A mobile payment method comprising the steps of:

(b) Registration of the key, particular for that device, in return of transferring the required information for activation of Mobile Device (1 ) by communication with Customer information Gate (2); (c) Starting of the payment transaction over virtual POS (9) on paymeni ρυιπι uy seller;

(d) Transformation of the information of the transaction by virtual POS (9) to Process Gate (3);

(f) Formation of encrypted information of transaction on web interface by virtual POS (9);

(g) Sensation of the encrypted information (10), and settlement of it by opening Mobile Application (6) on the Mobile Device (1 );

(k) Realization of usual payment pathway with the information of incoming operation by virtual POS (9);

(I) Transformation of the result of the transaction to Process Gate (3) by virtual POS (9);

(m) Transformation of the result of the transaction to Mobile Application (6) by Process Gate (3);

(n) Presentation of the result of the transaction by Mobile Application (6).

3) A mobile payment method comprising the steps of:

(c) Publication of the encrypted or not encrypted information, physical material, virtual or audial broadcasting of related item, service, and such;

(d) Sensation of the encrypted information (10), and settlement of it by opening Mobile Application (6) on the Mobile Device (1 ); (e) Entering of additional information in case of requirement over Mobne rtppncauon (6);

(f) Sending of Customer Information Gate (2) of Mobile Application (6) by using the separated and /or entered additional information by itself;

(g) Communication of Customer Info Gate (2) with Issuer Bank (4) by using incoming request, and preparation of the information of the related card number and corresponding transaction, and transfer to Process Gate (3);

(h) Sending of incoming transaction to virtual POS (9) by Process Gate (3);

(i) Realization of usual payment pathway with the information of incoming operation by virtual POS (9);

(j) Transformation of the result of the transaction to Process Gate (3) by virtual POS (9);

(k) Transformation of the result of the transaction to Mobile Application (6) by Process Gate (3);

(I) Presentation of the result of the transaction by Mobile Application (6).

4) A mobile payment method as claimed in claim 1 and 2, characterized in that the said encrypted information can include the amount of the transaction, Terminal Identification, STAN, time of operation and/or other information.

5) A mobile payment method according to any of the preceding claims, characterized by a software providing the payment through mentioned Mobile Device (1 ) and the communication between Mobile Device (1 ) and Customer Information Gate (2).

6) A mobile payment method according to any of the preceding claims, characterized in that said Mobile Application (6) is capable of showing masked card (first and end four digits), debit limit, statement date, type and information of the card, and/or more information.

7) A mobile payment method according to any of the preceding claims, characterized in that said hold encrypted information (10) will be out of use, even if obtained by the third parties.

8) A mobile payment method according to any of the preceding claims, characterized in that said encrypted information (10) involves visual or audial properties.

9) A mobile payment method according to any of the preceding claims, characterized by the property of verification of the user identity before each transaction intention by said Mobile Application (6). 10) A mobile payment method according to any of the preceding claims, characien eu uy the property of saving the information about activation and identity verification by said Customer Information Gate (2).

11 ) A mobile payment method according to any of the preceding claims, characterized by further comprising the property of determination the time-out limit for realization the transaction after verification the identity by said Mobile Application (6).

12) A mobile payment method according to any of the preceding claims, characterized by further comprising the property of requirement of activation process for the first opening of the user related Mobile Device (1 ) by said Mobile Application (6).

13) A mobile payment method according to any of the preceding claims, characterized by further comprising the property of transformation of user card information by taking it from Issuer Bank (4) to Mobile Application (6) by said Customer Information Gate (2).

14) A mobile payment method according to any of the preceding claims, characterized by further comprising the property of sensation of the encrypted information (1 ) with a part or mount hardware on Mobile Device (1 ) by the said Mobile Application (6).

15) A mobile payment method according to any of the preceding claims, characterized by further comprising the property of entering a passcode for approval of the transaction by said Mobile Application (6).

16) A mobile payment method according to any of the preceding claims, characterized by further comprising the property of providing the security of entering and transformation of the entered passcode by said Mobile Application (6).

17) A mobile payment method, as claimed in claim 2, characterized by further comprising Mobil Application (6) to sense and separate the encrypted information that is formed in a web interface.