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WO2014111760A1 - Terminal de transaction intégré - Google Patents

Terminal de transaction intégré Download PDF

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Publication number
WO2014111760A1
WO2014111760A1 PCT/IB2013/060053 IB2013060053W WO2014111760A1 WO 2014111760 A1 WO2014111760 A1 WO 2014111760A1 IB 2013060053 W IB2013060053 W IB 2013060053W WO 2014111760 A1 WO2014111760 A1 WO 2014111760A1
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WO
WIPO (PCT)
Prior art keywords
unit
transaction terminal
user
users
integrated transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/IB2013/060053
Other languages
English (en)
Inventor
KUSHAL Kumar CHELLAPPAN
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Kanhatech Solutions Ltd
Original Assignee
Kanhatech Solutions Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Kanhatech Solutions Ltd filed Critical Kanhatech Solutions Ltd
Publication of WO2014111760A1 publication Critical patent/WO2014111760A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Definitions

  • the present disclosure relates to electronic data transactions.
  • the present disclosure relates to performing frictionless financial transaction using an integrated transaction terminal.
  • POS devices are normally provided with magnetic swipe card reader.
  • the point of sales terminal reads the account information via the card swipe.
  • the account information includes account number, expiration date etc.
  • the person using the POS device may verify a signature or a photo identification card, but relying on human diligence as a link in the authentication process of the person and the payment instrument has historically proven very weak for a number of reasons that are difficult or impossible to rectify.
  • the present POS devices involve low security as information from the electronic payment instruments can be easily cloned and most key parameters like account number, expiry date, Card Verification Value (CVV) number, signature etc. are printed on the card. Fraud may easily arise in this model because the store clerk has limited means or motivation to accurately validate that the electronic payment instruments actually belongs to the card holder.
  • CVV Card Verification Value
  • the user of POS device may misuse the details of the cards given to him. Also, carrying multiple cards becomes tedious and customer may sometimes forget to carry the cards. Unauthorized customers may sometimes use electronic debit cards and credit cards, and the POS device provides no option to authenticate the user of the electronic debit and credit cards. For these reasons, it is desirable to provide a payment system and methodology that permits payment of both large and small transaction amounts in a secure manner and which has fewer prerequisites for customers. Also, there is a need for effectively authenticating the electronic payment instruments during electronic transactions, mechanism to identify the rightful owner of the electronic payment instrument, and also uniquely identify the devices, network and infrastructure and their location during the electronic transaction .
  • the payment system and method of the present disclosure facilitates a secured transaction by requiring authentication of the payment instruments, identity of the user and also uniquely identification of the devices, network and infrastructure used in the transaction.
  • the present disclosure provides better security and better fraud management while performing transactions.
  • the present disclosure relates to a method of facilitating electronic transactions on an Integrated Transaction Terminal.
  • the method comprises steps of determining one or more users to be in a predetermined location. Then, record of one of the one or more identified users is extracted and displayed on a display unit configured in the transaction terminal.
  • the record comprises at least one of user unique identification, user payment instruments, and biometric information related to the user and unique identification of the integrated transaction terminal.
  • the one of the one or more identified users are selected using the extracted record.
  • the payment confirmation is then received from one of the one or more identified users through at least one of a motion or location capturing unit and a voice recording unit or a biometric recording unit configured in the transaction terminal.
  • the one of the one or more identified user is authenticated using biometric information, wherein the authentication is performed by an authentication module of the transaction terminal.
  • the received payment confirmation from one of the one or more identified users is stored in a database and a communication channel is established between the transaction terminal and a server.
  • the electronic transaction is conducted on the established communication channel using at least one of user payment instruments, unique integrated transaction terminal and user unique identification.
  • the present disclosure relates to a system for facilitating electronic transaction on an Integrated Transaction Terminal.
  • the system comprises an integrated transaction terminal comprising an identification unit configured to identify one or more users and their payment instruments to be in a predetermined location.
  • the identification unit comprises at least one of NSC receiver, NFC receiver, GPS/AGPS receiver, input unit with or may comprises unique payment instrument identifier like magnetic swipe reader, contact and contact-less smart card reader, at least one form of barcode reader, and input unit etc.
  • the integrated transaction terminal further comprises a processing unit configured to extract record of one of the one or more identified users, payment instrument, device identifier on a display unit configured to display the extracted record of one of the one or more identified users and a multimedia unit configured to capture and verify the user identity.
  • the multimedia unit comprises at least one of voice recording unit, speaker, microphone and motion capturing unit, for example, video camera.
  • the system comprises an authentication unit configured to authenticate the one of the one or more identified users, wherein the authentication unit comprises at least one of encrypted barcode recognition unit, fingerprint recognition unit, iris recognition unit, face recognition unit and voice recognition unit.
  • the integrated transaction terminal comprises a communication unit configured to establish a communication channel between the transaction terminal and a server, wherein the communication unit comprising at least one of Wi-Fi, 3G, 4G, Ethernet and PSTN and a memory unit configured to store information.
  • the system further comprises the server comprising a processor communicatively connected to the processing unit of the transaction terminal to conduct electronic transaction and a database to store the information.
  • the present disclosure relates to an integrated transaction terminal connected to a server for facilitating electronic transaction.
  • the integrated transaction terminal comprises an identification unit configured to identify one or more users to be in a predetermined location.
  • the identification unit comprises at least one of NSC receiver, NFC receiver and input unit.
  • the integrated transaction terminal further comprises a processing unit configured to extract record of one of the one or more identified users, a display unit configured to display the extracted record of one of the one or more identified users, an authentication unit configured to authenticate the one of the one or more identified users, wherein the authentication unit comprises at least one of barcode reader, fingerprint reader, iris scanner, motion capturing unit, voice recording unit, a speaker and a microphone.
  • the integrated transaction terminal comprises a communication unit configured to establish a communication channel between the transaction terminal and a server, wherein the communication unit comprising at least one of Wi-Fi, 3G, 4G, Ethernet and PSTN and a memory unit configured to store information.
  • the processing unit is configured to establish a communication channel with the server to conduct electronic transaction.
  • Fig. 1 illustrates a system for facilitating electronic transaction in accordance with an embodiment of the present disclosure
  • Fig. 2A, 2B and 2C illustrate an identification unit, an input unit and communication unit of an integrated transaction terminal in accordance with an embodiment of the present disclosure
  • Fig. 3 illustrates a multimedia unit of an integrated transaction terminal in accordance with an embodiment of the present disclosure
  • Fig. 4 illustrates an authentication unit of an integrated transaction terminal in accordance with an embodiment of the present disclosure
  • Figs. 5, 6 and 7 illustrate a flow-chart showing a method of facilitating electronic transaction in accordance with an embodiment of the present disclosure
  • Fig. 8 illustrates an exemplary flow-chart showing a method of facilitating electronic transaction in a hospital environment accordance with an embodiment of the present disclosure
  • Fig. 9 illustrates a detailed view of the system for facilitating electronic transaction in accordance with an embodiment of the present disclosure.
  • Fig. 1 illustrates a system for facilitating electronic transaction in accordance with an embodiment of the present disclosure.
  • the system broadly comprises an integrated transaction terminal 10, and a server 20 connected to the integrated transaction terminal 10 through a network 30.
  • the network 30 may comprise a public network e.g., the Internet, World Wide Web, etc. or private network e.g., local area network (LAN), etc. or combinations thereof e.g., a virtual private network, LAN connected to the Internet, etc.
  • the network 30 need not be a wired network only, and may comprise wireless network elements including, but is not limiting to Wi-Fi, 3G, EDGE, as known in the art.
  • the system also comprises one or more electronic devices 40 connectable to the integrated transaction terminal 10.
  • the integrated transaction terminal 10 is a device which communicates with the server 20 to facilitate electronic transaction.
  • the integrated transaction terminal 10 is present with merchant providing services to users.
  • the integrated transaction terminal 10 can be used in establishments, including but not limited to, shops, restaurants, hospitals, college and schools.
  • the integrated transaction terminal 10 can be portable, which shall be used to conduct transactions at the location of the customer during home delivery etc. Accordingly, the users can be customers in shops and restaurants, patients, guardian of patients in hospitals, students, parents and/or guardians of students in schools/colleges.
  • the integrated transaction terminal 10 can act as a conventional Point of Sale Device, or any portable electronic device including but not limited to a mobile phone, a tablet, a PDA.
  • the portable electronic devices may or may not be connected to a dongle.
  • the dongle shall comprise the software for connecting to the server and carrying out the transaction.
  • the dongle can comprise keypad, at least one of NFC and NSC module, Magnetic Swipe Reader, smart card reader and USB.
  • the dongle when connected to a portable electronic device can be used as an integrated transaction terminal for carrying out frictionless electronic transactions.
  • the integrated transaction terminal 10 includes an identification unit 50, a processing unit 60, a display unit 70, an authentication unit 80, a communication unit 90, a memory unit 100 and a multimedia unit 110.
  • Fig. 2C illustrates a block diagram of the communication unit 90.
  • the communication unit 90 includes but is not limited to the at least one of 3G/ 4G 240, Ethernet 250, Wi-Fi 260, GPRS 270, PSTN 280 and USB 290.
  • An example of the display unit 70 includes, but is not limited to a liquid crystal display (LCD).
  • the electronic devices 40 include, but are not limited to mobile phones, smart card and Near Field Communication (NFC) card.
  • the server 20 comprises a computing unit, for example, a processor 120 to process payments in communication with the integrated transaction terminal 10 and a database 130 to store information including but not limited to user credentials, payment transaction details.
  • the database 130 of the server 20 and memory unit 100 of the integrated transaction terminal 10 are alternatively termed as storage unit.
  • the storage unit includes, but is not limited to, a Random Access Memory (RAM).
  • the storage unit can refer to database 130 and in other embodiments, the storage unit can refer to memory unit 100.
  • the term storage unit can be a machine-readable medium, which can be defined as a medium providing data to a machine to enable the machine to perform a specific function. All such medium must be tangible to enable the instructions carried by the medium to be detected by a physical mechanism that reads the instructions into the machine.
  • Fig. 2A illustrates an identification unit 50 of the integrated transaction terminal 10 in accordance with an embodiment of the present disclosure.
  • the identification unit 50 determines presence of one or more user in a predetermined location like an establishment.
  • the identification unit 50 comprises a Near Sound Communication (NSC) receiver 200, a Near Field Communication (NFC) receiver 210, an input unit 220, and GPS/AGPS receiver 230.
  • the input unit 220 comprises unique payment instrument identifiers like magnetic swipe card reader 222, barcode reader 224, contact smart card reader 226, and contactless smart card reader 228.
  • user has an electronic device 40 with NSC application.
  • the NSC receiver 200 of identification unit 50 communicates with the NSC application of the electronic device 40 using sound waves.
  • the NSC receiver 200 then identifies the user based on unique NSC identification of the electronic device 40.
  • the user has an electronic device 40 with NFC application.
  • the electronic device 40 with NFC application is tapped on the NFC receiver 210 of the integrated transaction terminal 10.
  • the integrated transaction terminal 10 establishes radio communication with the electronic device 40 and the user of the electronic device 40 is identified.
  • the user provides unique identification to be entered on the input unit 220 of the integrated transaction terminal 10.
  • the input unit 220 can be a keypad.
  • the keypad may be a tactile keypad, or QWERTY keypad, or Touch Screen keypad.
  • the unique identification of the user includes but is not limiting to unique Identification Number, device ID of the user, telco ID, Mobile Subscriber Integrated Services Digital Network Number (MSISDN) number, mobile number and subscriber ID.
  • MSISDN Mobile Subscriber Integrated Services Digital Network Number
  • the user can be identified by at least one of barcode and fingerprint of the user using a barcode recognition unit 400 and a fingerprint recognition unit 410.
  • a barcode recognition unit 400 identifies the user and extracts record of the user.
  • the user provides an input of fingerprint.
  • the fingerprint recognition unit 410 identifies the user based on the input and extracts record of the user.
  • the user is identified with at least one of the Global Positioning System (GPS), Wi-Fi, Assisted Global Positioning System (AGPS).
  • GPS Global Positioning System
  • AGPS Assisted Global Positioning System
  • the identification unit 50 communicates with the electronic device 40 of the user using signals received from at least one of GPS, AGPS and Wi-Fi. The identification unit 50 then identifies the user based on the signals received from the electronic device 40.
  • the GPS application in the electronic device 40 transmits GPS coordinates which are detected by the GPS/ AGPS receiver 230 of the identification unit 50.
  • the Wi-Fi application in the electronic device 40 transmits the range of the Wi-Fi network, which is detected by communication unit 90 of the integrated transaction terminal 10 etc.
  • the user can be identified by a unique payment instrument identifier like card reader 222, 226, 228 or a barcode reader 224.
  • the card reader can be any reader including but not limiting to magnetic swipe card reader 222, contact smart card reader 226 and contactless smart card reader 228 etc.
  • the user can be identified using any of the devices being carried by the user like magnetic swipe cards, smart cards, electronic device comprising a unique barcode or payment instruments comprising a unique barcode etc.
  • Fig. 3 illustrates the multimedia unit 110 of the integrated transaction terminal 10 in accordance with an embodiment of the present disclosure.
  • the multimedia unit 110 of the integrated transaction terminal 10 is configured to capture identity of a user.
  • the multimedia unit 110 comprises a voice recording unit 300, a speaker 310, a microphone 320 and a motion capturing unit 330.
  • the motion capturing unit 330 is a video camera.
  • Fig. 4 illustrates the authentication unit 80 of the integrated transaction terminal 10 in accordance with an embodiment of the present disclosure.
  • the authentication unit 80 authenticates the users before initializing the payment transaction. Also, the authentication unit 80 authenticates the device of the merchant which receives the payment from the user, i.e. the integrated transaction terminal 10.
  • the authentication unit 80 can verify at least one of barcode assigned to the user, location of the user, fingerprint, IRIS, voice and face of the user.
  • the authentication unit 80 comprises a encrypted barcode recognition unit 400, a fingerprint recognition unit 410, a voice recognition unit 420, an IRIS recognition unit 430, a face recognition unit 440 and a device fingerprint unit 450.
  • the device fingerprinting unit 450 uses unique identification number of semiconductor chips in a device and generates a unique fingerprint number (also referred to as unique device ID) for the device.
  • the server authenticates the transactions being carried out from the device using the generated unique device ID.
  • a general payment transaction scenario is explained, which makes use of aforesaid modules. These modules work with each other to authenticate and approve the transaction. In the following paragraph inter-relation between these modules are explained with help of an exemplary embodiment. However, this embodiment should not be construed as limitation on the present disclosure.
  • the process begins when the user visits the establishments like shops, restaurants etc for the first time, the user is registered with the establishment.
  • the registration comprises entering of the user details in the database 130 or the memory unit 100.
  • the details of the users including biometric information and other unique identification are stored in the database 130 or the memory unit 100.
  • the details can include but is not limiting to, name, mobile number, barcode and other unique identifications like MSISDN number, telco number and subscription number. Further, the user details can also include biometric information including but not limited to face, IRIS, fingerprint, and voice.
  • the identification unit 50 determines the presence of the user. Once the presence of users is determined, the identification unit 50 communicates with the processing unit 60 of the integrated transaction terminal 10 to extract the details of the determined users. The processing unit 60 either extracts the details of the determined users locally from the memory unit 100 of the integrated transaction terminal 10.
  • the processing unit 60 extracts the details of the determined users remotely from the database 130 by communicating with the server 20.
  • the processing unit 60 receives the details from at least one or memory unit 100 and the database 130 and displays the received data on the display unit 70 of the integrated transaction terminal 10. Based on the requirement, one of the users is selected from the displayed list of users on the display unit 70.
  • the input unit 220 in the identification unit 50 is used to select a user from the displayed list of users.
  • the input unit can be a keypad or a touch screen.
  • payment confirmation is received from the user by the multimedia unit 110.
  • the confirmation can be a verbal confirmation or a pictorial confirmation of the user willing to make the payment.
  • the multimedia unit 110 then transmits the confirmation to processing unit 60 which stores the confirmation in the memory unit 100 or the database 130.
  • at least one type of unique identification of the user is captured using the multimedia unit 110 and/or the authentication unit 80.
  • the unique identification includes but is not limited to face, IRIS, voice, fingerprint, barcode etc.
  • the processing unit 60 receives the captured input and instructs the authentication unit 80 to compare the captured identification with information of user stored in at least one of the memory unit 100 and the database 130.
  • the authentication unit 80 performs the comparison and provides results.
  • the authentication unit 80 authenticates the unique device ID and location ID of the device from which user makes the payment.
  • the authentication unit 80 authenticates the unique device ID and location ID of the integrated transaction terminal 10 through which the payment is received from user.
  • the location of the electronic device 40 and the integrated transaction terminal 10 is identified using GPS/AGPS receiver 230. If the authentication is successful, the processing unit 60 establishes a communication channel with the server 20 and conducts transaction on the established communication channel. Additionally, the transaction details are stored in the database 130 by the processing unit 60.
  • Figs. 5, 6 and 7 illustrate a flow-chart showing a method of facilitating electronic transaction in accordance with an embodiment of the present disclosure.
  • the user enters a predetermined area/location, for example, a shop, a restaurant etc at step 500.
  • the integrated transaction terminal 10 determines presence of the one or more users in the predetermined area at step 502.
  • the record of the one or more users is extracted and displayed on the display unit 70 of the integrated transaction terminal 10 at step 504.
  • the display unit 70 displays name of the one or more users along with their photographs.
  • the user is identified using the photograph of the user displayed on the integrated transaction terminal 10 at step 506.
  • payment confirmation is received from the identified user at step 508.
  • a verbal payment confirmation can be received from the user through the microphone 320 configured in the multimedia unit 110 and stored in storage unit using voice recording unit 300.
  • photo of the user is captured using the motion capturing unit 330 and stored along with time stamp in the storage unit.
  • the user is then authenticated using at least one biometric information of the user including but not limited to voice, face, fingerprint and IRIS at step 510.
  • At least one biometric information of the user is captured using devices including but not limited to voice recording unit 300, motion capturing unit 330, barcode recognition unit 400, fingerprint recognition unit 410, IRIS recognition unit 430, and face recognition unit 440.
  • the processing unit 60 Upon detecting input of biometric information, the processing unit 60 compares the input biometric information with the biometric information stored in the storage unit. Upon comparison, the processing unit provides appropriate results. If the authentication is successful, a communication channel is established between the integrated transaction terminal 10 and the server 20 at step 512 and transaction is conducted over the channel at step 514. Lastly, the transaction details are stored along with the payment confirmation in the database 130 of the server 20 at step 516.
  • Fig. 6 illustrates an exemplary method of facilitating electronic transaction in accordance with an embodiment of the present disclosure.
  • users enter a predetermined area at step 600.
  • the user has an electronic device 40 configured with NSC application at step 602.
  • the NSC receiver 200 of the integrated transaction terminal 10 determines the presence of user based on unique NSC identification of the electronic device 40 at step 604.
  • the record of the user is extracted from the storage unit and displayed on the display unit 70 of the integrated transaction terminal 10 at step 606.
  • name and photo of the user is displayed on the display unit 70.
  • a user wishing to make payment is selected from the one or more users displayed on the display unit 70 at step 608. Confirmation of payment is received from the selected user and stored in at least one of memory unit 100 or database 130 at step 610.
  • a verbal payment confirmation can be received from the user through the microphone 320 configured in the multimedia unit 110 and stored in storage unit using voice recording unit 300.
  • photo of the user is captured using the motion capturing unit 330 and stored along with time stamp in the storage unit.
  • authentication of the user is performed using biometric information at step 612.
  • the authentication is performed using at least one of a barcode recognition unit 400, a fingerprint recognition unit 410, a voice recognition unit 420, an IRIS recognition unit 430 and a face recognition unit 440.
  • the user may be authenticated by matching at least one of face, fingerprint, voice, IRIS of the user and barcode associated with the user.
  • face and voice of the user has a 70% match with the face and voice of the user stored in the storage unit, then authentication is successful at step 614. If the authentication is successful, a communication channel is established, and transaction is conducted on the established channel at step 616. Finally, the transaction details are stored along with payment confirmation received from the user at step 618.
  • the payment is rejected by the integrated transaction terminal 10 at step 620.
  • the merchant may opt to reject the transaction or accept the transaction manually at step 622. Accepting the transaction may however involve some risk as the user is not authenticated properly.
  • Fig. 7 illustrates an exemplary method of facilitating electronic transaction in accordance with an embodiment of the present disclosure.
  • user enters a predetermined area at step 700.
  • the user provides unique identification to the merchant.
  • the unique identification is entered on the integrated transaction terminal 10 at step 702.
  • the unique identification can include but not limited a unique identification number, device ID of the user, telco ID, MSISDN number, mobile number and subscriber ID of the user.
  • the integrated transaction terminal 10 extracts the record of the user based on the unique identification and displays the record on the display unit 70 of the integrated transaction terminal 10 at step 704.
  • name and photo of the user is displayed on the display unit 70. Confirmation of payment is received from the selected user and stored in the storage unit.
  • a verbal payment confirmation can be received from the user through the microphone 320 configured in the multimedia unit 110 and stored in storage unit using voice recording unit 300.
  • photo of the user is captured using the motion capturing unit 330 and stored along with time stamp in the storage unit. The capturing of photo or recording the verbal payment confirmation ensures non-repudiation. The user cannot dispute, at later point of time, having conducted the transaction.
  • authentication of the user is performed using biometric information at step 710. The authentication is performed using at least one of a barcode recognition unit 400, a fingerprint recognition unit 410, a voice recognition unit 420, an IRIS recognition unit 430 and a face recognition unit 440.
  • the user may be authenticated by matching at least one of face, fingerprint, voice, IRIS of the user and barcode associated with the user.
  • authentication is successful at step 712.
  • fingerprint of the user has a 100% match with the fingerprint of the user stored in the storage unit, then authentication is successful.
  • a communication channel is established, and transaction is conducted on the established channel at step 714.
  • the transaction details are stored along with payment confirmation received from the user at step 716.
  • the matching index is less than 70% for any of the biometric information, then the transaction is rejected by the integrated transaction terminal 10 at step 718.
  • the merchant may opt to reject the transaction or accept the transaction manually at step 720. Accepting the transaction may however involve some risk as the user is not authenticated properly.
  • Fig. 8 illustrates an exemplary flow-chart showing a method of facilitating electronic transaction in a hospital establishment accordance with an embodiment of the present disclosure.
  • the hospital when a patient visits hospital, the hospital provides a band with unique patient ID at step 800.
  • This unique patient ID can be a unique barcode which is an example of user unique identification.
  • the nurse scans the unique barcode on the band using the integrated transaction terminal 10 at step 802.
  • the record of the patient i.e. patient history is displayed on the display unit 70 of the integrated transaction terminal 10.
  • appropriate medical tests are prescribed by the nurse at step 804.
  • the processing unit 60 of the integrated transaction terminal 10 comprises an application to identify the medical tests required for different problems of patient. Once the medical tests are prescribed, the display unit 70 of the integrated transaction terminal 10 displays the amount for the prescribed tests at step 806.
  • the patient then chooses to pay for the tests using at least one of mobile wallet, debit card, credit card etc at step 808.
  • the patient details are then updated in the storage unit at step 810 and an appointment is scheduled for the patient for taking medical tests at step 812.
  • the doctor views the report of the patient on the integrated transaction terminal 10 at step 814.
  • the doctor uses the application in the processing unit 60 of integrated transaction terminal 10 to prescribe medicines at step 816.
  • the integrated transaction terminal 10 displays total amount for the prescribed medicines on the display unit 70 at step 818.
  • the patient chooses to pay for the tests using at least one of mobile wallet, debit card, credit card etc at step 820.
  • the medicines are delivered to the patient at step 822.
  • the details of the patient are updated in the storage unit at step 824.
  • Fig. 9 illustrates a detailed view of the system for facilitating electronic transaction in accordance with an embodiment of the present disclosure.
  • the figure illustrates all the components of the system for facilitating electronic transaction.
  • the integrated transaction terminal 10 comprises a user space programming and configuration interface.
  • the interface may include but is not limited to Java Virtual Machine (JVM) or similar Software Development Environment or Compiled Software or Interpreter environment, Application Programming Interface (API's), web server and messaging interface.
  • the user space programming and configuration provides application for maintaining inventory and accounting ledger, and performing taxation and billing.
  • the interface comprises application specific suites for different verticals including but not limited to grocery store, hospital, restaurant, campus management.
  • the integrated transaction terminal 10 comprises a payment acceptance interface.
  • the interface comprises a magnetic slot reader, on which payments can be accepted by swiping debit cards, credit cards etc.
  • the payment acceptance interface also provides for mobile payment.
  • the mobile payment can be done by using 4G encrypted messaging, Internet, encrypted Short Messaging Service (SMS), General Packet Radio Service (GPRS) or mobile OTA- Wallet server.
  • SMS Short Messaging Service
  • GPRS General Packet Radio Service
  • mobile OTA- Wallet server mobile OTA- Wallet server.

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  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Conformément à des modes de réalisation, la présente invention concerne un système et un procédé pour faciliter des transactions électroniques sur un terminal de transaction intégré. Dans un mode de réalisation, le terminal de transaction intégré détermine la présence d'utilisateurs dans une zone prédéterminée. Ensuite, l'utilisateur et le terminal de transaction intégré sont authentifiés à l'aide d'informations biométriques, d'informations d'emplacement, d'une identification de dispositif unique, etc. Enfin, le paiement est réalisé par un utilisateur sans glissement de cartes physiques ou d'autres instruments de paiement. La présente invention concerne un procédé de paiement sans frottement ayant une authentification multi-niveau.
PCT/IB2013/060053 2013-01-16 2013-11-11 Terminal de transaction intégré Ceased WO2014111760A1 (fr)

Applications Claiming Priority (2)

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IN222/CHE/2013 2013-01-16
IN222CH2013 2013-01-16

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WO2014111760A1 true WO2014111760A1 (fr) 2014-07-24

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FR3028079A1 (fr) * 2014-11-04 2016-05-06 Worldline Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication
EP3593330A4 (fr) * 2017-03-09 2021-01-06 Fingerprint Cards AB Agencement et procédé facilitant une transaction
EP3905080A4 (fr) * 2018-12-26 2022-09-14 Xunteng (Guangdong) Technology Co., Ltd. Procédé et appareil de reconnaissance d'identité d'autorisation en virgule fixe, et serveur

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WO2012037479A1 (fr) * 2010-09-17 2012-03-22 Universal Secure Registry, Llc Appareil, système et procédé employant un dispositif d'utilisateur sans fil
US20120079581A1 (en) * 2010-09-24 2012-03-29 Patterson Barbara E Method and System Using Universal ID and Biometrics
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US20050269402A1 (en) * 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
WO2012037479A1 (fr) * 2010-09-17 2012-03-22 Universal Secure Registry, Llc Appareil, système et procédé employant un dispositif d'utilisateur sans fil
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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3028079A1 (fr) * 2014-11-04 2016-05-06 Worldline Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication
WO2016071602A1 (fr) * 2014-11-04 2016-05-12 Worldline Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication
CN107004186A (zh) * 2014-11-04 2017-08-01 源讯科技公司 借助支付设备和通信终端的简化交易
EP3593330A4 (fr) * 2017-03-09 2021-01-06 Fingerprint Cards AB Agencement et procédé facilitant une transaction
EP3905080A4 (fr) * 2018-12-26 2022-09-14 Xunteng (Guangdong) Technology Co., Ltd. Procédé et appareil de reconnaissance d'identité d'autorisation en virgule fixe, et serveur

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