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WO2015118194A1 - Portefeuille numérique à haute sécurité - Google Patents

Portefeuille numérique à haute sécurité Download PDF

Info

Publication number
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
Authority
WO
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
Application number
PCT/ES2015/070027
Other languages
English (en)
Spanish (es)
Inventor
Omar Daniel BRISCIK ALVAREZ
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of WO2015118194A1 publication Critical patent/WO2015118194A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • 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
    • 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
    • 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
    • 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.

Landscapes

  • 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

L'invention concerne un portefeuille numérique à haute sécurité, ou dispositif unificateur de cartes, présentant une configuration similaire à celle d'une carte et comportant une structure ou boîtier (1) dans lequel viennent se loger un écran tactile (2) qui occupe une partie de la surface du dispositif, une puce (6), une antenne de données mobile pouvant être du type 3G ou analogue (3), une antenne NFC (4) pour "Near Field Communication", une carte logique (5) qui comprend, entre autres éléments, le processeur, la mémoire et la batterie. Le dispositif de l'invention permet non seulement d'unifier toutes les cartes en un seul support, avec possibilité de sélectionner le type de carte avec laquelle on souhaite réaliser une transaction, mais aussi, grâce aux moyens de communication intégrés dans le dispositif et via la gestion assurée par le serveur central, d'ajouter une nouvelle carte ou de la retirer, et de prendre connaissance du solde et/ou d'autres informations additionnelles susceptibles d'être transmises. On optimise ainsi l'utilisation du dispositif ainsi que sa sécurité.
PCT/ES2015/070027 2014-02-10 2015-01-19 Portefeuille numérique à haute sécurité Ceased WO2015118194A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ES201430171A ES2542826B1 (es) 2014-02-10 2014-02-10 Billetera digital de alta seguridad
ESP201430171 2014-02-10

Publications (1)

Publication Number Publication Date
WO2015118194A1 true WO2015118194A1 (fr) 2015-08-13

Family

ID=52627246

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2015/070027 Ceased WO2015118194A1 (fr) 2014-02-10 2015-01-19 Portefeuille numérique à haute sécurité

Country Status (2)

Country Link
ES (1) ES2542826B1 (fr)
WO (1) WO2015118194A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ES2610504A1 (es) * 2015-10-27 2017-04-27 Universidad Politécnica de Madrid Tarjeta electrónica de membresía

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
US20120197691A1 (en) * 2011-01-31 2012-08-02 Bank Of America Corporation Mobile wallet payment vehicle preferences
WO2013072435A1 (fr) * 2011-11-15 2013-05-23 Famoco Dispositif de communication en champ proche (nfc) et systeme de connexion de dispositifs nfc
EP2610799A1 (fr) * 2011-12-28 2013-07-03 Research In Motion Limited Dispositif de communication mobile fournissant des fonctions d'émission de carte de communication à champ proche et procédés associés
US20130260734A1 (en) * 2012-04-03 2013-10-03 Cellco Partnership D/B/A Verizon Wireless Systems, methods, and computer program products for detecting and managing changes associated with mobile wallets

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FI99071C (fi) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
DE10332435A1 (de) * 2003-07-16 2005-02-10 Tesa Ag Verfahren zum Stanzen von einer zumindest einseitig klebend ausgerüsteten Bahn, die sich auf einem Abdeckmaterial befindet, in einzelne Stanzlinge
US20050070257A1 (en) * 2003-09-30 2005-03-31 Nokia Corporation Active ticket with dynamic characteristic such as appearance with various validation options
US8245044B2 (en) * 2008-11-14 2012-08-14 Visa International Service Association Payment transaction processing using out of band authentication
US8718980B2 (en) * 2009-09-11 2014-05-06 Qualcomm Incorporated Method and apparatus for artifacts mitigation with multiple wireless sensors
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US20120221437A1 (en) * 2011-02-24 2012-08-30 Boku, Inc. Systems and Methods to Automate Social Networking Activities
US20130054412A1 (en) * 2011-08-22 2013-02-28 American Express Travel Related Services Company, Inc. Methods and systems for contactless payments for online ecommerce checkout

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
US20120197691A1 (en) * 2011-01-31 2012-08-02 Bank Of America Corporation Mobile wallet payment vehicle preferences
WO2013072435A1 (fr) * 2011-11-15 2013-05-23 Famoco Dispositif de communication en champ proche (nfc) et systeme de connexion de dispositifs nfc
EP2610799A1 (fr) * 2011-12-28 2013-07-03 Research In Motion Limited Dispositif de communication mobile fournissant des fonctions d'émission de carte de communication à champ proche et procédés associés
US20130260734A1 (en) * 2012-04-03 2013-10-03 Cellco Partnership D/B/A Verizon Wireless Systems, methods, and computer program products for detecting and managing changes associated with mobile wallets

Also Published As

Publication number Publication date
ES2542826B1 (es) 2016-05-19
ES2542826A1 (es) 2015-08-11

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