WO2015118194A1 - High-security digital wallet - Google Patents
High-security digital wallet Download PDFInfo
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- WO2015118194A1 WO2015118194A1 PCT/ES2015/070027 ES2015070027W WO2015118194A1 WO 2015118194 A1 WO2015118194 A1 WO 2015118194A1 ES 2015070027 W ES2015070027 W ES 2015070027W WO 2015118194 A1 WO2015118194 A1 WO 2015118194A1
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- WIPO (PCT)
- Prior art keywords
- card
- digital wallet
- bank
- information
- high security
- 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
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
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- 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
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- 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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
-
- 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
- G06Q20/3278—RFID or NFC payments by means 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/355—Personalisation of cards for use
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- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Definitions
- a high security digital wallet that is, it refers to an electronic and digital payment unifying device, used to carry out commercial transactions that groups cards, either credit or financial or of any other type and nature, allowing to store all the information related to the cards in a single device, managed by a central server where it is possible to add and remove cards from the device, in addition to the user having the possibility of selecting the card with which you want to carry out a transaction.
- the present invention is within the scope of credit cards, debit, loyalty, points and other means of digital payments, as well as electronic payment methods known so far.
- IP N in operations, which eliminates the risk of fraud in case of theft or loss and eliminates the risk of duplication.
- the object of the present invention is a high security digital wallet, that is to say an electronic card unifying device, whether financial or credit or not.
- the high security digital wallet device has a card-like configuration and comprises a housing or case in which a touch screen that occupies part of the surface of the device, a chip, a mobile data antenna that can be of the type 3G or 4G, an NFC antenna "Near Field Communication", a logic board comprising among other elements, the processor, memory and battery.
- the device has three forms of data antenna communication with the central server with an encrypted network, being 3G or 4G, the contact with the chip at the point of sale and the NFC antenna.
- the device offers an encrypted communication platform, between the device and the central server.
- the device groups all debit and credit cards in addition to any other information such as loyalty points. Thanks to the NFC antenna, the device can identify the location where the user is located. For example, User at the gas station and the device can propose to use the corresponding card before paying with the usual credit, debit, or digital money.
- the device thanks to its construction makes it possible to have your extract on the card and be able to consult it at the moment. Without the need to enter the bank digitally or in print, not using the mobile phone or computers for it.
- the information of the selected card or the device suggests the use of a specific payment method, the information stored is loaded into the chip or activated for the use of the NFC antenna. Turning the device into an effective means of payment. The device is ready to be used at the point of sale. The next step in its use is the same as today, that is, the card is introduced at the point of sale / or the NFC port is used and finally the purchase is validated by pressing the pin at the point of sale, the card is withdrawn card and press start, the chip information is downloaded and empty or the information on the NFC antenna is deactivated, the device being ready for the next action.
- the communication is encrypted, with several layers of security.
- the wallet offers the ability to know the bank statement, be easy to use and with the financial power of having it all grouped into a single device. It also allows that in case In case of theft or loss with a single call or communication, the device is deactivated by blocking all forms of payment, and replenishing them more quickly and safely for the user.
- the device of the invention it is possible, on the one hand, to unify all the means of payments in a single digital device, debit and credit cards in a single support, being selectable the type of card with which you want to make a transaction, where also thanks to the means of communication incorporated in the device, it is possible to register a new card, as well as to cancel it, and to know the balance and / or other additional information that could be transmitted.
- Figure 3 shows the elements that are part of the system that allow both to register a new card and make purchases, the entire system is managed by an encrypted central server. PREFERRED EMBODIMENT OF THE INVENTION.
- figure 1 we can see the device that has a card-like configuration and comprises a housing or box (1) in which a touch screen is housed (2) that occupies part of the surface of the device, a chip (6), a mobile data antenna
- a logic board (5) comprising among other elements the processor, memory and battery.
- the system used to activate new cards, high or low, and make purchases through the device includes an access network between banks (10) and credit card brands (1 1) and device servers, The communication is through networks with one or more exclusive servers (12) of the devices, in turn these exclusive servers communicate with the digital wallet or unifying devices (15) through a series of mobile data antennas ( 13).
- An example of the procedure for activating a new card in the card unifying device may comprise the following simplified steps: - The bank (10) and the credit card brand (1 1) approve the issuance of the card to the user.
- the bank and the credit card brand sends the information to the exclusive central server (12) of the device.
- An example of the purchase procedure by means of the device (15) comprises the steps of:
- the user must select the payment method, or type of card to be used, on the device.
- the point of sale detects the device and authorizes the purchase.
- the store (14) charges for the purchase using a point of sale, standardized protocol today.
- the bank receives the charge (10) and updates the status of the customer account and the card database (11).
- the bank (10) sends the updated information to the central server of the device and updates its own database on the server and sends the update to the device or wallet (15)
- the exclusive server (12) updates the device with the last movements made in each account and / or card. Where all communications take place in an encrypted manner.
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
BILLETERA DIGITAL DE ALTA SEGURIDAD HIGH SECURITY DIGITAL WALLET
DESCRIPCIÓN OBJETO DE LA INVENCIÓN DESCRIPTION OBJECT OF THE INVENTION
Es objeto de la presente invención, tal y como el título de la invención establece, una billetera digital de alta seguridad, es decir, hace referencia a un dispositivo unificador de pagos por vía electrónica y digital, utilizado para realizar transacciones comerciales que agrupa tarjetas, bien sean de crédito o financieras o de cualquier otro tipo y naturaleza, permitiendo almacenar toda la información relativa a las tarjetas en un único dispositivo, gestionado por un servidor central donde siendo posible tanto añadir como retirar tarjetas del dispositivo, además de que el usuario tiene la posibilidad de seleccionar la tarjeta con la que se quiere llevar a cabo una transacción. It is the object of the present invention, as the title of the invention establishes, a high security digital wallet, that is, it refers to an electronic and digital payment unifying device, used to carry out commercial transactions that groups cards, either credit or financial or of any other type and nature, allowing to store all the information related to the cards in a single device, managed by a central server where it is possible to add and remove cards from the device, in addition to the user having the possibility of selecting the card with which you want to carry out a transaction.
Caracteriza a la presente invención las especiales características funcionales que presenta resultado de la combinación sinérgica de diferentes medios tecnológicos, logrando un dispositivo que va más allá de la mera disposición conjunta de tarjetas en un único dispositivo, sino que además, permite al usuario, seleccionar la tarjeta a utilizar, y por medio del servidor los bancos y entidades financieras gestionar altas y bajas de tarjetas y reportar al usuario información relativa al estado de las cuentas de las tarjetas, aportando seguridad, fidelidad y eficiencia energética. It characterizes the present invention the special functional characteristics that results from the synergistic combination of different technological means, achieving a device that goes beyond the mere joint arrangement of cards in a single device, but also allows the user to select the card to be used, and through the server banks and financial entities manage card registrations and withdrawals and report to the user information regarding the status of the card accounts, providing security, loyalty and energy efficiency.
Por lo tanto, la presente invención se circunscribe dentro del ámbito de las tarjetas de créditos, debito, fidelidad, puntos y otros medios de pagos digitales, así como de los medios de pago electrónicos conocidos hasta el momento. Therefore, the present invention is within the scope of credit cards, debit, loyalty, points and other means of digital payments, as well as electronic payment methods known so far.
ANTECEDENTES DE LA INVENCIÓN Las tarjetas de crédito y debito, llevan con nosotros desde los años 50 y comenzó su expansión en los años 60. Estas Tarjetas permiten realizar compras en cualquier parte del mundo en todo momento, realizando transacciones de una forma mas segura al no ser necesario la presencia del dinero en efectivo. Adicionalmente, mantiene un registro de compras que permite administrar los gastos. BACKGROUND OF THE INVENTION Credit and debit cards have been with us since the 50s and began its expansion in the 60s. These Cards allow you to make purchases anywhere in the world at all times, making transactions in a safer way by not the presence of cash is necessary. Additionally, it maintains a record of purchases that allows managing expenses.
Prácticamente no han cambiado físicamente. Sin embargo, se ha llevado a cabo mejoras técnicas en el ámbito de seguridad que van desde eso uso de las Bandas magnéticas al usos de los chips actualmente. They have practically not changed physically. However, improvements have been made techniques in the field of security that go from that use of the magnetic Bands to the uses of the chips at the moment.
No obstante y a pesar de existir variedad en tarjetas (crédito, debito, puntos, fidelidad, etc.) todas tienen un punto en común, ya que en el fondo sigue siendo plástico con información. However, despite the existence of a variety of cards (credit, debit, points, loyalty, etc.), they all have one point in common, since at the bottom it is still plastic with information.
Hoy en día, se ha mejorado la forma de cómo la información financiera se aloja en la tarjeta. Dentro de esta evolución vemos como pasó de ser un plástico con un número de Identificación, a un sistema de banda magnética, para dar paso a la era del chip. Today, the way in which financial information is hosted on the card has been improved. Within this evolution we see how it went from being a plastic with an identification number, to a magnetic stripe system, to give way to the era of the chip.
El uso de la tarjeta con banda magnética, se ha traspasado no sólo al ámbito Financiero sino también al no financiero. Por tanto, no solo contamos con la presencia de tarjetas de crédito y débito sino también con tarjetas de acceso, de fidelidad, entre otros. The use of the magnetic stripe card has been transferred not only to the Financial field but also to the non-financial sector. Therefore, we not only have the presence of credit and debit cards but also access cards, loyalty, among others.
El bajo coste de las tarjetas de banda magnética, mucho menor que las tecnologías más seguras, hace que sea ideal para repartir sin coste a los clientes una aplicación que permita relacionar a un individuo con una empresa, una función o un cargo. The low cost of magnetic stripe cards, much lower than the safest technologies, makes it ideal to distribute to customers without cost an application that allows an individual to be related to a company, a function or a position.
Actualmente, se puede disfrutar de la tarjeta inteligente, llamada de esta manera por contar con un chip que almacena toda la información necesaria del usuario final. Esta tarjeta ofrece: Currently, you can enjoy the smart card, called this way by having a chip that stores all the necessary information of the end user. This card offers:
Una mayor seguridad, por el uso del PI N en las operaciones, lo cual elimina el riesgo de fraude en caso de robo o pérdida y elimina el riesgo de duplicidad. Greater security, due to the use of IP N in operations, which eliminates the risk of fraud in case of theft or loss and eliminates the risk of duplication.
- Mayor rapidez, al no tener que firmar los recibos ni verificar el precio de compra - Faster, not having to sign receipts or verify the purchase price
- Mayores aplicaciones futuras, ya que el chip podrá albergar información para poder realizar más servicios con las tarjetas. - Greater future applications, since the chip will be able to house information to be able to perform more services with the cards.
Si bien las tarjetas actuales son un medio de pago eficaz y que ofrece una seguridad en las transacciones, se hace necesario contar con tantas tarjetas como cuentas bancarias o tarjetas identificativas no financieras se tengan siendo muy elevado el número de tarjetas que cada usuario debe llevar encima continuamente. Adicionalmente, en relación a puntos de fidelidad, existe el riesgo de que en algún momento el usuario, bien sea por olvido o por no percatarse de la oferta, pierda sus puntos, ya sea por caducidad o por no utilizarla correctamente. Este dispositivo optimiza y ayuda al usuario con el uso y gestión de esta información. Además, en las transacciones con tarjetas nunca se conoce el saldo de la cuenta inmediatamente posterior a su uso, para ello hay que revisar el estado en el banco ya sea vía digital o personalmente (cajeros), o el número de puntos acumulados u ofertas asignadas. La reducción del uso del papel, en notificaciones, ofertas o panfletos, mejora el trato al medio ambiente. Although the current cards are an effective means of payment and that offers a security in the transactions, it is necessary to have as many cards as bank accounts or non-financial identification cards the number of cards that each user must carry is very high continually. Additionally, in relation to loyalty points, there is a risk that at some point the user, either by Forgetting or not realizing the offer, lose your points, either due to expiration or not using it correctly. This device optimizes and helps the user with the use and management of this information. In addition, card transactions never know the balance of the account immediately after its use, for this you must check the status in the bank either digitally or personally (ATMs), or the number of accumulated points or offers assigned . The reduction of the use of paper, in notifications, offers or pamphlets, improves the treatment of the environment.
Por lo tanto, es objeto de la presente invención desarrollar un dispositivo que permita reducir el número total de tarjetas a un único soporte, que además ofrezca información adicional del estado de las cuentas financieras o no financieras asociadas a las tarjetas, gestionado por un servidor central, desarrollando un dispositivo como el que a continuación se describe y queda recogido en su esencialidad en la reivindicación primera. Therefore, it is the object of the present invention to develop a device that allows reducing the total number of cards to a single support, which also offers additional information on the status of the financial or non-financial accounts associated with the cards, managed by a central server , developing a device like the one described below and is included in its essentiality in the first claim.
DESCRIPCIÓN DE LA INVENCIÓN Es objeto de la presente invención una billetera digital de alta seguridad, es decir un dispositivo electrónico unificador de tarjetas, bien sean financieras o de crédito o no. DESCRIPTION OF THE INVENTION The object of the present invention is a high security digital wallet, that is to say an electronic card unifying device, whether financial or credit or not.
El dispositivo billetera digital de alta seguridad presenta una configuración semejante a una de tarjeta y comprende una carcasa o caja en el que se alojan una pantalla táctil que ocupa parte de la superficie del dispositivo, un chip, una antena de datos móvil que puede ser del tipo 3G ó 4G, una antena NFC "Near Field Communication", una placa de lógica que comprende entre otros elementos, el procesador, la memoria y la batería. The high security digital wallet device has a card-like configuration and comprises a housing or case in which a touch screen that occupies part of the surface of the device, a chip, a mobile data antenna that can be of the type 3G or 4G, an NFC antenna "Near Field Communication", a logic board comprising among other elements, the processor, memory and battery.
La antena NFC "Near field communication" -en español : Comunicación de Campo Cercano- es una tecnología de comunicación inalámbrica, de corto alcance y alta frecuencia que permite el intercambio de datos entre dispositivos The NFC antenna "Near field communication" - in Spanish: Near Field Communication - is a wireless communication technology, short range and high frequency that allows the exchange of data between devices
Por lo tanto, gracias al dispositivo billetera digital de alta seguridad, no es necesario el uso del móvil, para realizar transacciones digitales, aportando seguridad. Therefore, thanks to the high security digital wallet device, it is not necessary to use the mobile, to perform digital transactions, providing security.
El dispositivo, posee tres formas de comunicación antena de datos con el servidor central con red encriptada, siendo3G ó 4G, el contacto con el chip en el punto de venta y la antena NFC. The device has three forms of data antenna communication with the central server with an encrypted network, being 3G or 4G, the contact with the chip at the point of sale and the NFC antenna.
El dispositivo ofrece una plataforma de comunicación encriptado, entre el dispositivo y el servidor central. The device offers an encrypted communication platform, between the device and the central server.
El dispositivo agrupa todas las tarjetas de debito y crédito además de cualquier otro tipo de información como puntos de fidelidad. Gracias a la antena NFC el dispositivo puede identificar local donde se encuentra el usuario. Por ejemplo, Usuario en la gasolinera y el dispositivo puede proponer utilizar la tarjeta de que corresponda antes de pagar con la de crédito, debito, o dinero digital habitual. El dispositivo gracias a su construcción posibilita poder tener tu extracto en la tarjeta y poder consultarla en el momento. Sin la necesidad de ingresar en banco de forma digital o impresa, no utilizando el teléfono móvil ni ordenadores para ello. The device groups all debit and credit cards in addition to any other information such as loyalty points. Thanks to the NFC antenna, the device can identify the location where the user is located. For example, User at the gas station and the device can propose to use the corresponding card before paying with the usual credit, debit, or digital money. The device thanks to its construction makes it possible to have your extract on the card and be able to consult it at the moment. Without the need to enter the bank digitally or in print, not using the mobile phone or computers for it.
Cuando el usuario selecciona la tarjeta o vía de pago, la información de la tarjeta seleccionada o el dispositivo sugiere el uso de un medio de pago específico, la información almacenada se carga en el chip o se activa para el uso de la antena NFC. Convirtiendo al dispositivo en un medio de pago efectivo. El dispositivo queda listo para ser usar en el punto de venta. El siguiente paso en su uso es igual al de la actualidad, es decir, se introduce la tarjeta en el punto de venta / o se Usa el puerto NFC y finalmente se valida la compra pulsando el pin en el punto de venta, se retira la tarjeta y se pulsa inicio, la información del chip se descarga y queda vacio o se desactiva la información en la antena NFC, quedando listo el dispositivo para la siguiente acción. When the user selects the card or payment method, the information of the selected card or the device suggests the use of a specific payment method, the information stored is loaded into the chip or activated for the use of the NFC antenna. Turning the device into an effective means of payment. The device is ready to be used at the point of sale. The next step in its use is the same as today, that is, the card is introduced at the point of sale / or the NFC port is used and finally the purchase is validated by pressing the pin at the point of sale, the card is withdrawn card and press start, the chip information is downloaded and empty or the information on the NFC antenna is deactivated, the device being ready for the next action.
Gracias al dispositivo billetera digital de alta seguridad se tienen todas las tarjetas agrupadas en un solo lugar, protegiendo el medio ambiente al usar menos plásticos, además de ser un dispositivo inteligente capaz de identificar diferentes tarjetas en una. Aplicar optimización en el pago y ayudar al usuario en la administración de sus cuentas. Thanks to the high security digital wallet device you have all the cards grouped in one place, protecting the environment by using fewer plastics, in addition to being an intelligent device capable of identifying different cards in one. Apply optimization in payment and help the user in the administration of their accounts.
La comunicación es encriptada, con varias capas de seguridad. La billetera ofrece la capacidad de conocer el extracto del banco, ser de fácil manejo y con el poder financiero de tenerlo todo agrupado en un único dispositivo. Además permite de que en caso de que en caso de robo o perdida con una sola llamada o comunicación el dispositivo se desactiva bloqueando todas las forma de pago, y reponiéndolas de forma más rápida y segura para el usuario. En consecuencia, gracias al dispositivo de la invención se consigue, por un lado, unificar todos los medios de pagos en un solo dispositivo digital, tarjetas de debito y crédito en un único soporte, siendo seleccionable el tipo de tarjeta con la que se quiere realizar una transacción, donde además gracias a los medios de comunicación incorporados en el dispositivo, es posible dar de alta una nueva tarjeta, así como darla de baja, y conocer el saldo y/u otra información adicional que pudiera transmitirse. The communication is encrypted, with several layers of security. The wallet offers the ability to know the bank statement, be easy to use and with the financial power of having it all grouped into a single device. It also allows that in case In case of theft or loss with a single call or communication, the device is deactivated by blocking all forms of payment, and replenishing them more quickly and safely for the user. Consequently, thanks to the device of the invention, it is possible, on the one hand, to unify all the means of payments in a single digital device, debit and credit cards in a single support, being selectable the type of card with which you want to make a transaction, where also thanks to the means of communication incorporated in the device, it is possible to register a new card, as well as to cancel it, and to know the balance and / or other additional information that could be transmitted.
EXPLICACION DE LAS FIGURAS EXPLANATION OF THE FIGURES
Para complementar la descripción que se está realizando y con objeto de ayudar a una mejor comprensión de las características de la invención, de acuerdo con un ejemplo preferente de realización práctica de la misma, se acompaña como parte integrante de dicha descripción, un juego de dibujos en donde con carácter ilustrativo y no limitativo, se ha representado lo siguiente. En la figura 1 , podemos observar una vista frontal del dispositivo billetera digital de alta seguridad. To complement the description that is being made and in order to help a better understanding of the characteristics of the invention, according to a preferred example of practical implementation thereof, a set of drawings is attached as an integral part of said description. where, for illustrative and non-limiting purposes, the following has been represented. In Figure 1, we can see a front view of the high security digital wallet device.
En la figura 2, podemos observar un representación esquemática del control realizado por el procesador del dispositivo. In Figure 2, we can see a schematic representation of the control performed by the device processor.
En la figura 3 se muestran los elementos que forman parte del sistema que permiten tanto dar de alta una nueva tarjeta como realizar compras, todo el sistema es gestionado por un servidor central encriptado. REALIZACIÓN PREFERENTE DE LA INVENCIÓN. Figure 3 shows the elements that are part of the system that allow both to register a new card and make purchases, the entire system is managed by an encrypted central server. PREFERRED EMBODIMENT OF THE INVENTION.
A la vista de las figuras se describe seguidamente un modo de realización preferente de la invención propuesta. En la figura 1 podemos observar el dispositivo que presenta una configuración semejante a una tarjeta y comprende una carcasa o caja (1) en el que se alojan una pantalla táctil (2) que ocupa parte de la superficie del dispositivo, un chip (6), una antena de datos móvilIn view of the figures, a preferred embodiment of the proposed invention is described below. In figure 1 we can see the device that has a card-like configuration and comprises a housing or box (1) in which a touch screen is housed (2) that occupies part of the surface of the device, a chip (6), a mobile data antenna
(3) , una antena NFC (4) "Near Field Communication", una placa de lógica (5) que comprende entre otros elementos con el procesador, la memoria y la batería. En la figura 2 podemos observar la relación de control que realiza el procesador (9) de la placa lógica (5), encargado de gobernar el funcionamiento del puerto o chip(6), de la antena de datos móvil (3), de la antena NFC (4), de la batería (8), de la memoria (7) y de la pantalla táctil (2). El sistema empleado para la activación de nuevas tarjetas, altas o bajas, y realizar compras por medio del dispositivo, comprende una red de acceso entre los bancos (10) y las marcas de tarjetas de crédito (1 1) y los servidores del dispositivo, la comunicación es por medio de redes con uno o varios servidores exclusivos (12) de los dispositivos, a su vez estos servidores exclusivos se comunican con la billetera digital o los dispositivos unificadores (15) por medio de unas serie de antenas de datos móvil (13). (3), an NFC antenna (4) "Near Field Communication", a logic board (5) comprising among other elements the processor, memory and battery. In Figure 2 we can see the control relationship performed by the processor (9) of the logic board (5), responsible for governing the operation of the port or chip (6), of the mobile data antenna (3), of the NFC antenna (4), battery (8), memory (7) and touch screen (2). The system used to activate new cards, high or low, and make purchases through the device, includes an access network between banks (10) and credit card brands (1 1) and device servers, The communication is through networks with one or more exclusive servers (12) of the devices, in turn these exclusive servers communicate with the digital wallet or unifying devices (15) through a series of mobile data antennas ( 13).
Un ejemplo del procedimiento de activación de una nueva tarjeta en el dispositivo unificador de tarjetas puede comprender los siguientes pasos simplificados: - El banco (10) y la marca de tarjetas de crédito (1 1) aprueban la emisión de la tarjeta al usuario. An example of the procedure for activating a new card in the card unifying device may comprise the following simplified steps: - The bank (10) and the credit card brand (1 1) approve the issuance of the card to the user.
El banco y la marca de tarjeta de crédito envía la información al servidor central exclusivo (12) del dispositivo. The bank and the credit card brand sends the information to the exclusive central server (12) of the device.
- Toda la información es enviada desde el servidor central exclusivo (12) al dispositivo unificador o billetera digital (15) por medio de la red de datos móvil, actualización hoy en día conocida como OTA (over the air) OTA, que permite a un operador o fabricante de dispositivos la transmisión de datos de forma inalámbrica a terminales en sitios remotos. Donde todas las comunicaciones tienen lugar de manera encriptada, bien sea entre los servidos y los bancos, y los servidores y los dispositivos clientes. - All information is sent from the exclusive central server (12) to the unifying device or digital wallet (15) through the mobile data network, an update today known as OTA (over the air) OTA, which allows a Operator or device manufacturer transmits data wirelessly to terminals at remote sites. Where all communications take place in an encrypted manner, either between servers and banks, and servers and client devices.
Un ejemplo del procedimiento de compra mediante el dispositivo (15) comprende los pasos de: An example of the purchase procedure by means of the device (15) comprises the steps of:
- Previamente el usuario debe seleccionar el medio de pago, o tipo de tarjeta a utilizar, en el dispositivo. El punto de venta detecta el dispositivo y autoriza la compra. - Previously the user must select the payment method, or type of card to be used, on the device. The point of sale detects the device and authorizes the purchase.
La tienda (14) realiza el cargo por la compra utilizando un punto de venta, protocolo estandarizado hoy en día. The store (14) charges for the purchase using a point of sale, standardized protocol today.
El banco recibe el cargo (10) y actualiza el estado de la cuenta del cliente y de la base de datos de tarjetas (11). The bank receives the charge (10) and updates the status of the customer account and the card database (11).
El banco (10) envía la información actualizada al servidor central del dispositivo y actualiza su propia base de datos en el servidor y envía la actualización al dispositivo o billetera (15) The bank (10) sends the updated information to the central server of the device and updates its own database on the server and sends the update to the device or wallet (15)
- Toda la información es actualizada en el o los servidores exclusivos (12) y enviada al dispositivo o billetera (15) mediante la red de datos móviles y actualizadas de forma automática. - All information is updated on the exclusive server (s) (12) and sent to the device or wallet (15) via the mobile data network and updated automatically.
El servidor exclusivo (12) actualiza el dispositivo con los últimos movimientos realizados en cada cuenta y/o tarjeta. Donde todas las comunicaciones tienen lugar de manera encriptada. The exclusive server (12) updates the device with the last movements made in each account and / or card. Where all communications take place in an encrypted manner.
Se utilizan todos los protocolos de ventas, por medios electrónicos establecidos hoy en día, ya sean en el punto de venta y/o comunicaciones. Descrita suficientemente la naturaleza de la presente invención, así como la manera de ponerla en práctica, se hace constar que, dentro de su esencialidad, podrá ser llevada a la práctica en otras formas de realización que difieran en detalle de la indicada a título de ejemplo, y a las cuales alcanzará igualmente la protección que se recaba, siempre que no altere, cambie o modifique su principio fundamental. All sales protocols are used, by electronic means established today, whether at the point of sale and / or communications. Describing sufficiently the nature of the present invention, as well as the way of putting it into practice, it is noted that, within its essentiality, it may be implemented in other embodiments that differ in detail from that indicated by way of example. , and which will also achieve the protection sought, provided that it does not alter, change or modify its fundamental principle.
Claims
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|---|---|---|---|
| ES201430171A ES2542826B1 (en) | 2014-02-10 | 2014-02-10 | High security digital wallet |
| ESP201430171 | 2014-02-10 |
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| WO2015118194A1 true WO2015118194A1 (en) | 2015-08-13 |
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| ES2610504A1 (en) * | 2015-10-27 | 2017-04-27 | Universidad Politécnica de Madrid | Electronic membership card (Machine-translation by Google Translate, not legally binding) |
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| US20060161789A1 (en) * | 2002-03-28 | 2006-07-20 | Doughty Ralph O | System, method and apparatus for enabling transactions using a user enabled programmable magnetic stripe |
| US20100217707A1 (en) * | 2009-02-25 | 2010-08-26 | Simon Phillips | Automated opening of electronic wallet function in mobile device |
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Also Published As
| Publication number | Publication date |
|---|---|
| ES2542826B1 (en) | 2016-05-19 |
| ES2542826A1 (en) | 2015-08-11 |
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