CN101657984A - Contactless transaction - Google Patents
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- CN101657984A CN101657984A CN200880004873A CN200880004873A CN101657984A CN 101657984 A CN101657984 A CN 101657984A CN 200880004873 A CN200880004873 A CN 200880004873A CN 200880004873 A CN200880004873 A CN 200880004873A CN 101657984 A CN101657984 A CN 101657984A
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Abstract
A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone incl udes a contactless element that is configured to communicate with a contactl ess reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobi le phone. The mobilephone is operated by a consumer. The method also includ es sending a transaction alert message to the mobile phone, where the transa ction alert message informs the consumer that a transaction has occurred usi ng the account. The method also includes sending an offer message to the mob ile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.
Description
The cross reference of related application
Present patent application is the U.S. Provisional Patent Application No.60/884 that submitted on January 9th, 2007, the U.S. Provisional Patent Application No.60/884 that on January 10th, 212 and 2007 submitted to, 290 non-provisional application and require they priority, its integral body of above-mentioned application is incorporated into this by reference generally.
The application also relates to the application at the same day U.S. Patent application No.__________ that is entitled as " Mobile Phone PaymentWith Disabling Feature " (mobile phone paying with disable function parts) that submits to (lawyer's case number be 16222U-038330US) and also relate to the U.S. Patent application No._________ that is entitled as " Mobile Phone Payment Process including ThresholdIndicator " (mobile phone payment process that comprises threshold indicator) that submitted on same with the application (lawyer's case number be 16222U-038340US) and relate to the U.S. Patent application No._____________ that is entitled as " Mobile Payment Management " (mobile payment management) that submitted on same with the application (lawyer's case number be 16222U-038320US). These applications all are incorporated into this by reference generally.
Background
The people of institute's has age use the essential parts of mobile phone as their daily life in the world.Some place in the world, they are main communication equipments, but mobile phone is not only a communication equipment.They are really multi-functional, not only for the consumer provides the ability of making a phone call and answering the call, also provide photograph, send text message, listen to the music, Web surfing even the ability of seeing a film.
Consumer demand to the functional universal mobile phone is increasing.Support the technology of mobile payment foundation structure to emerge in large numbers (being that contactless payment is accepted foundation structure, enabled the mobile phone and the healthy and strong mobile network of NFC function).Mobile phone might strengthen using the safety and the facility of payment product, and will pay product and introduce the current in the world place that is not used in the support infrastructure of conventional payment product.
The consumer is interested in the mobile payment, and need to use the better method that mobile phone concludes the business and the better method of managing payment process.
And in some cases, the consumer may hold two or two above Payment Cards (for example credit card), and may want to use his or her phone to use the number of the account that is associated with those Payment Cards.The different publisher of those credits card may provide different payment services for those cards.The different payment services that expectation allows the user to use these publishers to provide on single phone.
Various embodiments of the present invention address these problems and other problem individually or jointly.
Brief overview
Embodiments of the invention relate to improved consumer's mobile phone paying system and method.
One embodiment of the present of invention relate to a kind of method.This method comprises: use mobile phone to receive the account balance query response message, wherein this mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal, and wherein the account balance query response message provides the account balance of the account that is associated with mobile phone, and this mobile phone is operated by the consumer; Use mobile phone to receive the transaction alert message, the alert notification consumer one that wherein concludes the business has used the transaction of this account; And receive preferential message, if wherein the consumer uses mobile phone to carry out pre arranged trading, then this preferential message provides benefited for the consumer.
An alternative embodiment of the invention relates to the method that may further comprise the steps: send the inquiry into balance response message to mobile phone, wherein this mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal, and wherein the account balance query response message provides the account balance of the account that is associated with mobile phone, and this mobile phone is operated by the consumer; The alert message of will concluding the business is sent to mobile phone, and the alert message of wherein concluding the business notifies consumer one to use the transaction of this account; And preferential message is sent to mobile phone, if wherein the consumer uses mobile phone to carry out pre arranged trading, then this preferential message provides benefited for the consumer.
Other embodiments of the invention may relate to computer-readable medium, phone and the system that is associated with said method and other method.
These and other embodiment of the present invention will be described in more detail below.
The accompanying drawing summary
Fig. 1 illustrates the block diagram according to the system of one embodiment of the invention.
Fig. 2 illustrates the screenshot capture that layoutprocedure is shown on the telephone displays.
Fig. 3 illustrates the screenshot capture that payment process is shown on the phone.
Fig. 4-6 illustrates a plurality of screenshot captures that have transaction message on the telephone displays.
Fig. 7-8 illustrates a plurality of screenshot captures that are used for inquiry into balance on the telephone displays.
Fig. 9 (a)-9 (b) illustrates a plurality of screenshot captures that are used for payment reminders on the telephone displays.
Figure 10,11 (a) and 11 (b) illustrate the screenshot capture that is associated with the remaining sum alarm.
Figure 12 illustrates the screenshot capture that the indication account is prevented from owing to suspicious activity.
Figure 13 illustrates the screenshot capture that explanation gives a discount.
Figure 14 (a) and 14 (b) illustrate the explanation consumer can be from the screenshot capture of the different issuer-specific mobile payment application programs wherein selected, and illustrates that specific mobile payment application program has become the screenshot capture subsequently of default application.
Figure 15 illustrates and issuer-specific mobile payment application program is chosen as the screenshot capture that default application is associated.
Figure 16 illustrates the block diagram of computer installation.
Figure 17 illustrates the block diagram of the mobile phone with contactless element.
Describe in detail
I. move transaction system
Embodiments of the invention combine payment function with a series of value-added application and the function of managing such as reward voucher, personalization and number of the account.Embodiments of the invention are provided convenience publisher and mobile operator easily to the consumer by mobile phone new service.
Some function of embodiments of the invention comprises following:
Phone-payment service (paying in pre-payment or back): embodiments of the invention allow the consumer to use the payment application on consumer's the phone to pay telephone service.
The contactless payment at place, point of sale: use embodiments of the invention, the consumer can be easily and is promptly used their phone to replace being stuck in businessman's place's payment.
Remote payment: use embodiments of the invention, the consumer can use his or her mobile phone to come the commodity and the services pay of concluding the business for any card type that is absent from the scene.For using remote payment, the consumer can register his or her payment accounts to mobile operator, and mobile operator is related with Mobile Directory Number with consumer's payment accounts then.No matter when the consumer blocks the type transaction (for example mail order, telephone ordering or the Internet are ordered) that is absent from the scene, and the consumer can provide him or she registered Mobile Directory Number, and (rather than his or her payment accounts details) carries out this purchase.Moving transfers accounts also can remotely carry out, but these transaction are unique, because they relate to the transfer rather than the purchase of fund.
The mobile phone that the service provider can offer the consumer via SMS message (or other messaging protocol) with the payment and the value-added functionality of system by the mobile network.The example of payment function comprises proximity payments, remote payment and moves and transfer accounts.The example of value-added functionality comprise on the mobile phone preferential, authenticate and supplement with money minute.
Fig. 1 illustrates system according to an embodiment of the invention.With reference to figure 1, the participant in the embodiments of the invention can comprise traditional payment services participant, such as publisher 14, businessman 16 and consumer 10.Other participant also can comprise mobile operator 26 and serve provider 24 such as message passing service provider 20 the mobile provider of service, directory service provider 22 and OTA (wireless).
System also can comprise a plurality of specific components.The example of these assemblies comprises preferential engine 18, message transmission gateway 20 (a), directory service engine 22 (a) and Service Activation system 24 (a).
This system also can comprise mobile phone 10 (a), and it can comprise: such as the components of mobile phone of NFC communication device 10 (a)-1 (near field communications element, it is the example of contactless element); The safety element that comprises payment application 10 (a)-2; And comprise one or more mobile applications 10 (a)-3 ' and one or more download managers 10 (a)-3 " resident applications 10 (a)-3.
Message can be transmitted between assembly shown in Figure 1.Reference numeral 2 illustrates the arrow that is used for Preferential handling message, and Reference numeral 4 illustrates the arrow that is used for Service Activation message, and Reference numeral 6 illustrates the arrow that is used for directory service message, and Reference numeral 8 illustrates the arrow that is used for account management message.
Following various assemblies below are described in further detail.
II. payment services type and value-added service
Embodiments of the invention can be convenient at least three types payment arrangement.First type can comprise the proximity payments (being contactless payment) at the face-to-face payment of locating in the businessman location of business.Second type can comprise the remote payment at the payment of carrying out under being absent from the scene situation at e-commerce environment or other card.The third type can comprise at mobile the transferring accounts (promptly the individual is to individual's payment) from a people to another person's transfer fund for individual rather than commercial use.
Proximity payments provides and conventional contactless card trading processing identical functions, but replaces using contactless card, and the consumer shows the mobile phone that comprises payment application to point of sale (POS) equipment at place, the businessman location of business.Enable the phone imitation contactless card of NFC function and use identical communication standard.POS equipment is identical with the POS equipment that is used for contactless card, and payment application is mutual with mode identical with contactless card and POS equipment.Payment starts via mobile phone rather than card, but handles identical in others with contactless transaction.
The payment application of using in phone 10 (a) according to an embodiment of the invention can be supported at least two kinds of different proximity payments configurations.First kind of configuration is " opening forever ".When the payment configuration was in eternal open mode, acquiescence payment application 10 (a)-2 was movable always, made the consumer to start transaction by brandish phone 10 (a) before POS equipment, and need not to select payment function.Second kind of configuration is " manually ".When the payment configuration was in manual mode, consumer's 10 addressable payment application 10 (a)-2 also selected payment function to carry out proximity payments.During this process, consumer 10 also can select the account that is used for paying.Publisher 14 can specify which or the issuer-specific payment services that are associated with account in these configurations give tacit consent to, and the right to choose that can also specify the consumer whether to have to select the acquiescence payment to dispose.The proximity payments function can with Visa contactless payment standard (VCPS) 2.0.2 compatibility.Embodiments of the invention also allow an above payment application to reside in the safety element, and allow one in these payment application to be selected as acquiescence.
Remote payment makes the consumer might use their mobile phone to start and authenticates the transaction that is absent from the scene of card between consumer and the businessman.Remote payment is undertaken by the mobile network, and does not relate to POS equipment mutual.The remote payment transaction is based on Mobile Directory Number rather than number of the account, does not therefore have financial information and is sent out on the mobile network.Card is absent from the scene that transaction comprises the Internet, call center and such as the automation services of interactive voice response (IVR) transaction and mutual face-to-face.Remote payment can use consumer's registered mobile phone 10 (a) as the authentication passage.Be to use the remote payment function, the consumer can be with their Mobile Directory Number to directory service provider 22 or other registers entities, and can be with this Mobile Directory Number and account relating, thereby they can be used for this registered telephone number paying.
Moving transfers accounts refers to two person-to-person transaction.Moving transfers accounts allow holder or consumer use mobile phone 10 (a) from his or her card or account transfer to another card or account.This makes the consumer easily via mobile phone money be remitted the individual by the mobile network, so that international remittance and domestic individual transfer accounts to the individual.The consumer can use mobile transferring accounts to pay to friend or in order to serve to another individuality (not being businessman).
Moving transfers accounts can be dependent on another name but not accounts information comes transfer fund, does not therefore have financial information and is sent out by the mobile network.Want the consumer that remits money can be with their Account Registration and its Mobile Directory Number with them is related.But they are the specific payee also, and distributes another name to them.The payee can register in this service, does not then need registration but receive the fund of remitting them.
Embodiments of the invention also can provide a plurality of value-added functionalitys, comprise supplementing with money of preferential, the authentication at security purpose, account management and mobile phone minute.
Preferential reward voucher, discounting or the sales promotion that can refer to publisher, businessman or send to the mobile applications on consumer's the mobile phone such as the payment processes tissue of Visa.The consumer can use this mobile applications to exchange that this is preferential.
Preferential functional part can comprise at least three elements.These three elements comprise that businessman 16 or publisher 14 are used for defining preferential preferential engine 18, guarantee to be delivered to the preferential message format (preferential message format can be a Visa mobile data form (VMDF)) and the preferential mobile applications 10 (a) that is sent out so far of mobile applications.The consumer uses mobile applications 10 (a) to manage that this is preferential, and exchanges at the POS of businessman equipment place that this is preferential.
The consumer is preferential to receive to their publisher's registration (selection).Preferential for sending, this is preferential for businessman or publisher's definable, and it is submitted to payment processes tissue such as Visa for audit and approval.After this preferential going through, make it enter preferential engine 18, and be arranged the time and will receive its consumer 10 so that be delivered to selection.Preferential engine 18 preferentially is formatted into suitable message format with this, and by SMS or some other mobile channel it is delivered to mobile applications 10 (a)-3 on consumer's the mobile phone 10 (a).
The preferential of consumer and other message can be delivered to mobile applications 10 (a)-3 dividually, and present them with markd form with what define.Mobile applications 10 (a)-3 is sent and the payment of management and point of sale combines preferential.It makes the consumer can check, manage and exchange preferential that they receive.Application program 10 (a)-3 is supported some automatic Preferential handling, such as expired deletion.Preferential bar code or the sales promotion sign indicating number that comprises that businessman scans or imports when buying.When the place's exchange of mechanism of businessman is preferential, the consumer can use the proximity payments function of mobile phone.
Authentication provides from the mechanism of mobile phone solicited message for the publisher, and this makes the publisher might confirm that this phone and consumer are phone and the consumer that they claimed really.It makes the each side in the e-commerce transaction send secret and correct payment data, and to provide the buyer be the authentication of the authorized user of particular account.Mobile remote payment and the mobile function of transferring accounts are all used the payment authentication ability.
Supplementing function with money can be automatically buy minute mobile phone on prepayment telephone.This service is the specific implementation of remote payment function.Its uses and the identical mechanism of remote payment service, because the consumer is from mobile operator purchase minute.
III. account management
The account management service comprises the mobile management of payment account overview and transaction, its scope from the mobile banking service of routine to new mobile account management instrument.The account management service can be associated with the payment services of issuer-specific, and can be provided as the expansion of publisher's existing account management service.Mobile payment account management function can be served the provider with the account management in existing publisher's banking system and any future and be combined, and no matter it is bank or another third party.
Each publisher 14 can determine any account management function can use the consumer.Consumer 10 can use the current account balance of mobile applications 10 (a)-3 ' ask, receive payment come into force notice and transaction voucher and configuration and receive remaining sum alarm, transaction alarm and payment reminders.But when the account management service to 10 times spent of consumer, consumer's 10 configurable these functions are to send accounts information based on the consumer standard.For example, the consumer can ask receiving alarm when his or her account balance reaches assign thresholds.
Mobile-payment system uses messaging service to support the account management service.The messaging system formatting messages also passes through mobile operator network 26 with its transmission.Consumer 10 sends the message of request account management service, and publisher 14 or businessman 16 send message in response.
Following form listed mobile applications 10 (a)-3 from consumer's the mobile phone 10 (a) ' be sent to publisher 14 or businessman 16 and from publisher 14 or businessman 16 be sent to mobile applications 10 (a)-3 on the mobile phone 10 (a) ' account management message.
| Message | Send certainly | Be sent to |
| The request of remaining sum configure alert request inquiry into balance request payment reminders configuring request transaction configure alert | The consumer passes through mobile applications | The publisher |
| The payment reminders configuration response payment reminders transaction configure alert response transaction alarm that comes into force is paid in remaining sum configure alert response remaining sum alarm inquiry into balance response | The publisher | The consumer passes through mobile applications |
| Fail Transaction certificate transactions success voucher | Businessman | The consumer passes through mobile applications |
Message passing service provider 20 provides consumer's mobile phone 10 (a) and the message interface between other provider.This provider's operation information transmits gateway 20 (a) and related system.
OTA serves the safety element 10 (a)-2 on provider's 24 management mobile devices 10 (a), and the security element application program that provides is provided.
Messaging service allows mutual between the different platform participant.The message support is used for remote payment and moves account management, preferential substantially and the Service Activation and the directory service of transferring accounts.
Some embodiment of the present invention relates to the payment account that uses the incompatible management of multiple message groups consumer.One embodiment of the present of invention comprise uses mobile phone to receive the account balance query response message.Mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal.The account balance query response message provides the account balance of the account that is associated with mobile phone, and this mobile phone is operated by the consumer.This method also comprises: use mobile phone to receive the transaction alert message, wherein this transaction alert notification consumer has used the transaction of this account; Also receive preferential message, if wherein the consumer uses mobile phone to carry out pre arranged trading, then this preferential message can be the consumer and provides benefited.Such message can be received by mobile phone 10 (a), and can be shown by mobile phone 10 (a).
Message passing service provider 20 format publishers 14, businessman 16 and other are served the message that the provider sends, and by the mobile network with they be delivered to mobile applications 10 (a)-3 on the mobile phone 10 '.It also formats and sends consumer 10 is sent to publisher 14 and businessman 16 by the mobile applications on the mobile phone 10 account management message.
Be sent to and from mobile applications 10 (a)-3 ' the basic agreement followed of message can be Visa mobile data form (VMDF).All message can be the VMDF forms when arriving message and transmit gateway 20 (a), with guarantee they be delivered to mobile applications 10 (a)-3 '.VMDF is not the SMS special use.It comprises the application program that is provided on the network and is used for any text of local storage purpose or the use of binary data.
Message passing service provider 20 operation informations transmit gateway 20 (a), and it provides unified message interface between other provider and participant and consumer's mobile phone 10 (a).Message is transmitted gateway 20 (a) and is supported at least three kinds of functional parts.First kind of functional part is alarm API, its be convenient to the mobile applications 10 (a)-3 of message to consumer's the mobile phone 10 (a) ' transmission and the transfer from message.Second kind of functional part is report Web interface, and it allows publisher 14, businessman 16 and monitor such as the payment processes tissue of Visa to go to and from the related communication amount of consumer's mobile telephone application.The third functional part is the test center as interface, and it allows participant to send a message to virtual mobile applications and receives message from wherein, with the standby condition of the system that tests them.This test center supports account management and preferential message transmission.
The process of enabling mobile phone is called as " Service Activation ", because it has constituted the activation on the mobile phone.Can use Service Activation with payment application 10 (a)-2 ', mobile applications 10 (a)-3 ', Service Activation application program, accounts information and data (such as the data relevant with the payment application of issuer-specific) are provided on the mobile phone.Do not having under the situation of Service Activation, it is released by ability under the personalized situation before the consumer obtains it that these application programs can only---be mobile phones itself---at safety element under many circumstances.Though Service Activation is the general terms that is used in theory this activation that can be undertaken by multiple support channels or method, embodiments of the invention preferably be conceived to payment application by the mobile network wirelessly (OTA) offer safety element 10 (a)-2 on the mobile phone 10.The OTA Service Activation allows the secure payment and the account data of the remotely enabled safely phone 10 of publisher 14 (a), and need not to require the consumer to visit its bank or retail channel.
OTA serves provider's 24 operations and management OTA Service Activation 24 (a) of system.OTA Service Activation system 24 (a) provides personalized and distribution functions and to the daily management of consumer's security element application program.The function of OTA Service Activation system 24 (a) is to use the mobile operator network that the security element application program is provided and with its personalization.In addition, OTA serves provider 24 these systems 24 (a) of use and manages the personalized on-the-spot safety element that is deployed in afterwards.This is the required function of managing payment account.The account of revealing can locked and release, and this platform can wirelessly be removed.OTA Service Activation system 24 (a) wirelessly provides information to mobile phone, be used on this phone, being written into, installing and personalized software, this phone of the locking and unlocking on application program and remove application program from phone.It " is communicated by letter to carry out the movable work of OTA with the download manager 10 (a)-3 on the phone.
The OTA Service Activation also provides the Long-distance Control to mobile phone, is used for the brand names popularization under the situation that need not user's intervention, preferential and message transmission configuration and new planning of serving.It uses the OTA technology to come and SIM or NFC chip communication, and need not the physical access to phone 10 (a).Can download new service safely, reissue mobile phone 10 (a) and need not operator.
Directory service is used for support moving transfers accounts and remote payment and such as preferential (in the future version of platform) in advance, the value-added service that authenticates and supplement with money.Directory service is that transaction needs, and it uses the another name that is associated with registered customers to be routed to out of Memory.It determines whom the consumer is, and relevant consumer information is routed to the publisher.
Transfer accounts for moving, another name can be used to discern and/or get in touch the recipient who transfers accounts.Usually, catalogue allows the another name of transmit leg use than number of the account more convenient and friendly (being similar to mobile number).In money transfer transactions, another name/catalogue also allows better privacy between transmit leg and the recipient.The bank of each side can keep safely and belong to transmit leg and recipient's personal information separately, need not transmit leg and recipient or holder and businessman 16 and shares any personal information that is used for concluding the business each other.
Mobile phone 10 (a) is the passage of serving between provider and the consumer 10.Mobile phone 10 (a) comprises multiple different functional part.First kind of functional part provides snap gauge paranorm formula to allow NFC (near-field communication) RF capabilities of proximity payments.It comprises the antenna that is used for the contactless POS devices communicating of businessman.Second kind of functional part is that the safety element that is used for holding safely payment application constitutes the factor (form factor).The third functional part be have mobile applications 10 (a)-3 ' and download manager 10 (a)-3 " existing mobile applications space.
Mobile phone 10 (a) can: start payment transaction, data that reception is relevant with the issuer-specific payment services, with the payment services of issuer-specific present to the consumer for you to choose, reception is from the preferential of publisher and businessman and show them; Show mobile applications from publisher's 14 reception account management information and with it; And communicate by letter with OTA Service Activation system 24 (a) for OTA is movable.
For allowing mobile payment, safety element 10 (a)-2 provide following ability.It can provide safe storage with the protection sensitive data relevant with mobile payment.This comprises private cipher key, public keys and the certificate relevant with back-end system with the publisher that is associated with phone and consumer.It can also provide the ability of storing safely such as the special-purpose personal information of the consumer who is associated with mobile payment of credit/debit card PAN (individual number of the account).It can also provide encryption function, is used for supporting safe payment arrangement, data integrity and confidentiality.This comprises the support of support from encrypt/decrypt, signature verification and the authentication of the safe SMS message of publisher, Service Activation system and other back-end system.It can also " provide safe deployment and execution environment for mobile payment application program 10 (a)-3.
Should be understood that though concrete example described herein comprises the use of the mobile applications that payment application in safety element and the safety element and safety element are outer, embodiments of the invention are not limited thereto.For example, the function of payment application and mobile applications can be incorporated in the application program in any suitable logical gate of the hardware in the phone.
Safety element 10 (a)-2 can be a kind of in the following form: embedded hardware: this is and the tight integrated anti-tamper hardware smart card with noncontact ability of mobile phone.Movable universal subscriber identification module (USIM): safety element can be integrated with the usim card that intelligent card function is provided.In the case, contactless function is separated.Removable secure digital (SD) card: a kind of smart card that the safe programmable environment is provided.Application program and mobile payment dedicated security information provide on this smart card.Use the APDU order with the communicating by letter of safety element on the smart card.
Also can the provide support integrated NFC performance of ISO 14443 standards of safety element.The NFC performance provides the support to point-to-point, reader/writer and snap gauge paranorm formula.
Payment application 10 (a)-2 ' safely is stored on the safety element 10 (a)-2 of mobile phone, and the transaction that is used for paying.It can comprise two kinds of Java card application programs---with the integrated Visa of proximity payments system environments (PPSE) intelligence debit/credit (VSDC) calliper model java application---in a kind of.The VSDC application program is a payment application, and the PPSE application program is the directory application program of the details of storage payment application.This is and the identical application program of application program that is used for commercially available Visa payWave contactless payment.The contactless standard VCPS2.0.2 of the current use of VPA.The current version of global platform (GlobalPlatform) java application is version 2 .7.
Payment application 10 (a)-2 comprises payment function and publisher/holder's individuation data.The data that provide the publisher to pass through Service Activation system 24 (a) wireless transmission to payment application 10 (a)-2, and on safety element 10 (a)-2 personalized this payment application 10 (a)-2.Service Activation system 24 (a) guides to payment application 10 (a)-2 with OTA supply, initialization and personalized order (based on publisher's standard) from the Service Activation system.Can use OTA order that publisher 14 starts by Service Activation system 24 (a) with payment application 10 (a)-2 ' personalized instance locking, release and remove from safety element 10 (a).
For starting mobile proximity payments, make specific payment application 10 (a)-2 ' (with unique application program identifier (AID) expression) and specific mobile applications 10 (a)-3 ' related, and specific mobile applications 10 (a)-3 ' consumer experience is associated with mobile proximity mechanism.In addition, safety element 10 (a)-2 can have the specific payment application program 10 (a)-2 that is configured as the default program of proximity payments '.
Payment application 10 (a)-2 ' be connected with contactless contiguous modulator-demodulator with manual or automatic mode.When mobile phone 10 (a) is come near the contactless POS equipment, if payment application 10 (a)-2 ' be configured to automatic payment mode, then this application program obtains notice automatically.Under manual mode, with communicating by letter by consumer 10 of POS by mobile applications 10 (a)-3 ' startup.
Mobile applications 10 (a)-3 comprises user interface.It comprises and is used to pay, account management, Preferential handling and repayment and user interface that preference is set.Mobile applications 10 (a)-the 3rd, J2ME/MIDP 2.0 application programs (MIDlet).Mobile information apparatus profile (MIDP) is a standard of using Java to issue on such as the embedded device of mobile phone.Each mobile applications 10 (a)-3 can be at specific publisher customization and configuration, and is associated with specific payment application example.
Customization and layoutprocedure can comprise the reception of the data that are associated with publisher's specific payment Application Instance, and this publisher's specific payment Application Instance can link to the service of publisher's specific payment.In an embodiment of the present invention, may there be the many different issuer-specific payment application example that links to different issuer-specific payment services.Different issuer-specific payment services can have different function set.For example, a publisher can provide preferential message, but the transaction alert message is not provided.Another publisher can provide the transaction alert message, but preferential message is not provided.In an embodiment of the present invention, consumer 10 can select phone 10 (a) the employed default service of issuer-specific payment services as him, and then can use phone 10 (a) and selected issuer-specific payment services to carry out transaction such as payment transaction.The issuer-specific payment services can comprise dedicated management service and payment function.
Mobile applications 10 (a)-3 ' can wirelessly supply, activate and dispose on mobile phone 10 (a) according to publisher's standard during Service Activation and the initialization.In case be configured, Application Instance shows as at the clauses and subclauses in the phone main menu file of mobile payment and other financial application.May there be an above Application Instance in quantity based on go up the mobile applications example that activates, supplies and dispose at phone 10 (a) on menu.
User interface can comprise the details page of the function that the page that the main menu page, the payment of the flicker page of welcoming the consumer to use this application program, all functions that the publisher supports is relevant and publisher support.Some visual element of publisher's 14 customizable user interface is such as providing icon and name of product and customization to dodge screen.
Mobile applications 10 (a)-3 ' can use APDU order and corresponding payment application program 10 (a)-2 ' be connected to be enabling proximity payments, and the safe storage of the voucher that is associated with mobile payment and consumer 10 is provided.
Download manager 10 (a)-3 " can be to reside in the MIDlet that mobile phone 10 (a) is gone up (but not on safety element 10 (a)-2).It is the interface between Service Activation system 24 (a) and the safety element 10 (a)-2.It is responsible for mobile applications 10 (a)-3 ', safety element 10 (a)-2 and payment application 10 (a)-2 ' initial provision, Service Activation, initialization, management (comprise mobile applications 10 (a)-3 ' the locking and unlocking) and configuration.Download manager 10 (a)-3 " is connected with the supply agency with the local device management that is used for these functions on Service Activation system 24 (a) (as the part of back-end system) and the mobile phone 10 (a).
IV. mobile payment process
With reference to figure 2-3 a plurality of exemplary payment processes can be described.
With reference to figure 2, the consumer can select the proximity payments function be automatically (open all the time), no password is manual or have password manual.If the consumer selects automatically, then consumer wants specify default payment account.When in automatic mode following time, the proximity payments function is movable all the time, and as consumer during at contactless reader Back stroke mobile phone, payment application will be carried out the proximity payments transaction.If selected any in the manual option, then consumer wants is enabled mobile applications, and needs to select payment function to activate the proximity payments function.
With reference to figure 2, the consumer enables mobile applications (302) and selects proximity payments that option (304) is set.The right to choose that the consumer has the account of making (to open) automatically always.If the consumer selects account is opened on 306,308 always, then the mobile applications AID (unique application program identifier) that will dispose is set to acquiescence.If the consumer selects not make account automatic, when manually paying, the consumer has then that to make the account be the right to choose (314,310,312) of giving tacit consent to payment account.
With reference to figure 3, for manually activating the proximity payments function, the consumer selects the defray function in the mobile payment application program.This make safety element can imitate contactless card and the contactless reader that is associated with the POS terminal mutual.This pattern maintenance activity is up to the time period (overtime) through appointment.If crossed timeout period, and the consumer do not carry out proximity payments transaction as yet, the mobile applications proximity payments function of stopping using then, thus need the consumer to activate with continuous business again.
The consumer selects mobile applications enabling it, and selects payment function 320,322.Phone shows " preparing payment " page 30 seconds, or leaves this page or payment transaction finishes 324 up to the consumer.For continuing this transaction, the consumer places near the contactless reader 326 with phone.Obtain accounts information the safety element of this reader from phone and finish this transaction.Phone shows " payment sends " page 15 seconds, or withdraws from this page up to the consumer.Phone can be returned to its previous state then.
V. specified account management process
With reference to figure 4, when message is transaction voucher, transaction alarm or payment during validation message, it is stored in the transaction message storehouse in the phone.Other message such as inquiry into balance, remaining sum alarm and payment reminders message is stored in the transaction message storehouse.
Each project in the message library can be corresponding to a specific account management incident.These incidents can wirelessly be provided under the situation as most alarms and transaction voucher.
Consumer wants visits the transaction message storehouse in mobile applications.The option that the main menu of mobile applications provides the consumer can select to be used for opening this storehouse is as shown in screenshot capture 330.This storehouse shows the tabulation of transaction voucher, transaction alarm and payment validation message summary, as shown in screenshot capture 332.
With reference to figure 5, shown in screenshot capture 334 and 336, the consumer can check the details of the payment that transaction voucher, transaction alarm and the account have carried out.Particularly, the consumer can check three kinds of dissimilar transaction message: transaction voucher, transaction alarm and payment validation message.The content of every type message can be different.The consumer can select message, selects then to check that messages option is with the display message detail screen.
With reference to the screenshot capture among the figure 6 338 and 340, threshold value that can configuration of transaction alarm in mobile applications.Alternatively, can on publisher's Web website, dispose alert threshold.If surpass this threshold value, the message of the message shown in screen 340 is shown then.
With reference to the screenshot capture among the figure 7 342,344 and 346, the consumer can ask to be stored in the balance in hand of the credit product in the safety element of mobile phone.This is similar to common remote bank business function, except this is to be used for the mobile phone channel but not the Web channel.
After the publisher handles inquiry into balance, the publisher will be passed to consumer's mobile phone to the response message of inquiry into balance.Inquiry into balance is shown, and upgrades in the account summary function of mobile applications so that reference in the future.The balance amount information of being asked comprises residue credit that (1) publisher's title, (2) current remaining sum, (3) are available and (4) disclaimer about the accuracy of the balance amount information of credit accounts.
With reference to the screenshot capture among the figure 8 348,350 and 352, the consumer can ask to be stored in the balance in hand of the debit product in the safety element of mobile phone.This is similar to common remote bank business function.Inquiry into balance is shown, and upgrades in the account summary function of mobile applications so that reference in the future.Balance amount information can comprise current remaining sum in (1) publisher's title, (2) debit account, (3) desirable fund, (4) available balance and (5) disclaimer about the inaccuracy of balance amount information.
With reference to the screenshot capture 354,356,358 and 360 among figure 9 (a) and 9 (b), the consumer can use mobile applications registration or cancel register payment reminders.The current state of the configurable payment reminders function of consumer (opening/close).
Whether the consumer needn't successfully obtain alarm about the configuration payment reminders operation with the publisher.Have only consumer's selection when making these selections, in mobile applications, to confirm.
With reference to the screenshot capture among Figure 10 362,364 and 366, the consumer can dispose the remaining sum level of remaining sum alarm when occurring.This operating position is that the situation of credit product is described this option at payment devices wherein.The consumer is configured to down content: (1) will produce the credit balance of remaining sum alarm at this; And the current state (On/Off) of (2) remaining sum alarm function.
Whether the consumer needn't successfully obtain alarm about the configuration remaining sum alert action with the publisher.Have only consumer's selection when making these selections, in mobile applications, to confirm.
With reference to the screenshot capture 372 among Figure 11 (a), when surpassing predetermined threshold, the consumer receives the remaining sum alarm of credit product.The publisher produces this alarm, and this alarm is sent to consumer's handheld device.
With reference to the screenshot capture 374 among Figure 11 (b), when surpassing predetermined threshold, the consumer receives the remaining sum alarm of debit product.The publisher produces this alarm, and this alarm is sent to consumer's handheld device.
With reference to the screenshot capture among Figure 12 376, when consumer's payment account because to the former of issuer-specific thereby when being prevented from, the consumer receives the risk alarm that the publisher produces.The publisher produces this alarm, and this alarm is sent to consumer's phone.
No matter whether disposed the platform password, mobile applications all is activated, and this message is displayed to the consumer.In case this message is shown, then the consumer can only select to acknowledge receipt of this message, and this will withdraw from application program.In certain embodiments, this message is stored never.
Various embodiments of the present invention also can comprise preferential shown in the screenshot capture among Figure 13 378,380 and 382.At first, can shown in screenshot capture 378, select the preferential storehouse on the phone, thereby open preferential storehouse and check preferential whether expired.Shown in screenshot capture 380, can show provides different preferential different businessmans.The consumer can select in them, thus specific preferential being shown of this businessman.The consumer can exchange that this is preferential with multiple mode then, comprises using above-mentioned NFC element or contactless element to come and the POS terminal communication.
VI. many issuer-specific payment services ability
As mentioned above, customization and layoutprocedure can comprise the reception of the data that are associated with publisher's specific payment Application Instance, and this publisher's specific payment Application Instance can link to the service of publisher's specific payment.These data can comprise the computer code that is used for the issuer-specific application program, be used for the code of issuer-specific example or be used for the code of the link of issuer-specific application program or example.For example, in certain embodiments of the present invention, may there be the many different issuer-specific payment application example that is linked to different issuer-specific payment services.Different issuer-specific payment services can have different function set.For example, a publisher can provide preferential message, but transaction alert message is not provided.Another publisher can provide transaction alert message, but preferential message is not provided.In an embodiment of the present invention, consumer 10 can select phone 10 (a) the employed default service of issuer-specific payment services as him, and can use phone 10 (a) and selected issuer-specific payment services to carry out transaction such as payment transaction.The issuer-specific payment services can comprise dedicated management service or value-added service and payment function.
In certain embodiments, in case be written into this equipment, be no more than an example if exist on this equipment, then this example can be a default instance.In other embodiments, on mobile phone, can there be a plurality of payment application related especially with different publishers.The consumer can select from different issuer-specific payment application, as shown in Figure 14 (a) (application program of the A of bank in the window 390, the B of bank and the C of bank).In case selected payment application (for example B of bank in the window 392), it just can be set to give tacit consent to payment application, shown in Figure 14 (b).
With reference to the screenshot capture among Figure 15 402,404,406,408,410, from the usability angle, this process is striven for the result of expectation, make simultaneously require to the consumer minimum mutual.The publisher determines to allow the consumer to dispose and which kind of degree of arriving.The mutual preferably unanimity of consumer.
Also from the usability angle, the publisher might will not allow the consumer that any config option is arranged.For example, the publisher can be with this platform configuration for enable (opening) and free access (promptly not needing password) always automatically.The publisher also might only allow the consumer to change some config option.For example, the publisher can force the visit of cryptoguard manually to be enabled for using this platform configuration, and the consumer can only be prompted to input password in the case.In the above two kinds of cases, allow the consumer to have this platform to be set to the right to choose of the acquiescence platform of proximity payments all the time.
VII. computer installation and mobile phone
Each participant among Fig. 1 and element can operate one or more computer installations so that the function of Miao Shuing herein.Any that comprises that preferential engine 18, message transmit in the element among Fig. 1 of gateway 20 (a), publisher 14, directory service engine 22 (a), Service Activation system 24 (a) and mobile operator 26 can use the subsystem of any suitable quantity so that function described herein.The example of these subsystems or assembly is shown in Figure 16.Subsystem shown in Figure 16 is via system bus 775 interconnection.Show such as printer 774, keyboard 778, fixed disk 779 (or comprise other memory of the computer-readable medium), be coupled to the other subsystem of the monitor 776 of display adapter 782.The ancillary equipment and I/O (I/O) equipment that are coupled to I/O controller 771 can be by being connected to computer system such as multiple means well known in the art such as serial ports 777.For example, serial port 777 or external interface 781 can be used to computer installation is connected to wide area network, mouse input equipment or scanner such as the internet.Via the interconnection of system bus make central processing unit 773 can with each subsystem communication and control execution, and the exchange of information between the subsystem from the instruction of system storage 772 or fixed disk 779.System storage 772 and/or fixed disk 779 can be specialized computer-readable medium.
Figure 17 illustrates the block diagram of another phone 32 that can use in an embodiment of the present invention.These parts can combine with the functional part shown in the phone 10 (a) among Fig. 1.Exemplary radio telephone 32 can comprise computer-readable medium and main body, as shown in figure 17.Computer-readable medium 32 (b) can be present in the main body 32 (h), maybe can break away from from it.Main body 32 (h) can be the form of plastic base, shell or other structures.Computer-readable medium 32 (b) can be the memory of storage data (for example relevant with issuer-specific payment services data) and can be any suitable form, comprise magnetic stripe, memory chip etc.Memory preferably stores the information such as financial information, transport information (for example, as in the subway or the train pass), access information (for example, as in the access badge).Financial information can comprise such as bank account information, bank identification number (BIN), credit or debit card information, account balance information, Expiration Date, such as the information of the consumer information of name, birthday.In these information any all can be sent by mobile phone 32.
In certain embodiments, the information in the memory can also be the form of the data track that is associated with credit card traditionally.These magnetic tracks comprise magnetic track 1 and magnetic track 2.Magnetic track 1 (" International Air Transport Association (International Air Transport Association) ") is stored than magnetic track 2 more information, and comprises name and number of the account and other data of freely selecting of holder.This magnetic track is used when assuring reservation with credit card by airline sometimes.Magnetic track 2 (" ABA (AmericanBanking Association) ") is current the most frequently used.This is the magnetic track that is read by ATM and credit card detector.ABA (ABA) designs the standard of this magnetic track and all banks all must be in accordance with this standard in the world.This magnetic track comprises holder's account, the PIN of encryption and the data that other are freely selected.
Contactless element 32 (g) can use NFC ability (or near field communication medium) to transmit and receives data usually according to standardization agreement or data transmission mechanism (for example, ISO 14443/ near-field communication (" NFC ")).Near field communications capability is the junction service ability, such as RFID, bluetooth
TM, infrared ray or be used in other data transmission capabilities of swap data between phone 32 and the inquiry unit.Therefore, phone 32 can transmit and transmits data and/or control command via cellular network and near field communications capability.
Should be appreciated that the present invention can modularization or the integration mode software that uses a computer realize with the form of control logic.Based on open and teaching mentioned herein, those of ordinary skill in the art will recognize that and understand and use the combination of hardware and software to realize alternate manner of the present invention and/or method.
Any component software of Miao Shuing or function can be implemented as the software code that is used for example routine or Object-oriented Technique, used any suitable computer language of for example Java, C++ or Perl to carry out by processor in this application.Software code can be used as a series of instructions or order and is stored in such as random-access memory (ram), read-only memory (ROM), such as magnetic medium such as hard disk or floppy disk or such as on the computer-readable mediums such as optical medium such as CD-ROM.Any this computer-readable medium can reside on the single calculation element or within, and can be present on the various computing device in system or the network or within.
More than describing is illustrative and nonrestrictive.Based on checking of the present disclosure, many variations of the present invention will become apparent those skilled in the art.Therefore, scope of the present invention should not determine with reference to above description, and phase reaction should be determined with reference to appended claims and four corner thereof or equivalents.
Can combine with one or more features of any other embodiment and do not deviate from scope of the present invention from one or more features of any embodiment.
Quoting of " one ", " one " or " being somebody's turn to do " is intended to expression " one or more ", unless indication is on the contrary particularly arranged.
Claims (19)
1. method comprises:
Use mobile phone to receive the account balance query response message, wherein said mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal, and wherein said account balance query response message provides the account balance of the account that is associated with described mobile phone, and described mobile phone is operated by the consumer;
Use described mobile phone to receive the transaction alert message, the described consumer of wherein said transaction alert notification has used the transaction of described account; And
Receive preferential message, if wherein described consumer uses described mobile phone to carry out pre arranged trading, then described preferential message provides benefited for described consumer.
2. the method for claim 1 is characterized in that, also comprises:
Use described mobile phone to produce payment reminders message.
3. the method for claim 1 is characterized in that, also comprises receiving remaining sum threshold alerts message, and wherein when the remaining sum threshold value of previous appointment was exceeded, described remaining sum threshold alerts message was warned described consumer.
4. the method for claim 1 is characterized in that, also comprises receiving the risk alert message, and wherein said risk alert message is warned the described consumer suspicious activity relevant with described account, and notifies the described account of described consumer to be prevented from.
5. the method for claim 1 is characterized in that, also comprises using described mobile phone to receive Fail Transaction voucher message.
6. the method for claim 1 is characterized in that, described phone comprises safety element, and described safety element comprises the payment application of issuer-specific.
7. computer-readable medium comprises:
Be used to use mobile phone to receive the code of account balance query response message, wherein said mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal, and wherein said account balance query response message provides the account balance of the account that is associated with described mobile phone, and described mobile phone is operated by the consumer;
Be used to use described mobile phone to receive the code of transaction alert message, wherein said transaction alert message notifies described consumer to use the transaction of described account; And
Be used to receive the code of preferential message, if wherein described consumer uses described mobile phone to carry out pre arranged trading, then described preferential message provides benefited for described consumer.
8. computer-readable medium as claimed in claim 7 is characterized in that, also comprises being used to use described mobile phone to produce the code of payment reminders.
9. computer-readable medium as claimed in claim 7 is characterized in that, also comprises the code that is used to receive remaining sum threshold alerts message, and wherein when the remaining sum threshold value of previous appointment was exceeded, described remaining sum threshold alerts message was warned described consumer.
10. computer-readable medium as claimed in claim 7 is characterized in that, also comprises the code that is used to receive Fail Transaction voucher message.
11. phone that comprises computer-readable medium as claimed in claim 7.
12. a method comprises:
The inquiry into balance response message is sent to mobile phone, wherein said mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal, and wherein said account balance query response message provides the account balance of the account that is associated with described mobile phone, and described mobile phone is operated by the consumer;
The alert message of will concluding the business is sent to described mobile phone, and wherein said transaction alert message notifies described consumer to use the transaction of described account; And
Preferential message is sent to described mobile phone, if wherein described consumer uses described mobile phone to carry out pre arranged trading, then described preferential message provides benefited to described consumer.
13. method as claimed in claim 12 is characterized in that, comprising:
Payment reminders message is sent to described mobile phone.
14. method as claimed in claim 12 is characterized in that, also comprises:
The risk alert message is sent to described mobile phone, and wherein said risk alert message is warned the described consumer suspicious activity relevant with described account, and notifies the described account of described consumer to be prevented from.
15. method as claimed in claim 12 is characterized in that, also comprises:
Send remaining sum threshold alerts message, wherein when the remaining sum threshold value of previous appointment was exceeded, described remaining sum threshold alerts message was warned described consumer.
16. a computer-readable medium comprises:
Be used for the inquiry into balance response message is sent to the code of mobile phone, wherein said mobile phone comprises the contactless element that is configured to the contactless reader communication of point of sales terminal, and wherein said account balance query response message provides the account balance of the account that is associated with described mobile phone, and described mobile phone is operated by the consumer;
Be used for the transaction alert message is sent to the code of described mobile phone, wherein said transaction alert message notifies described consumer to use the transaction of described account; And
Be used for preferential message is sent to the code of described mobile phone, if wherein described consumer uses described mobile phone to carry out pre arranged trading, then described preferential message provides benefited to described consumer.
17. computer-readable medium as claimed in claim 16 is characterized in that, also comprises:
Be used for payment reminders message is sent to the code of described mobile phone.
18. computer-readable medium as claimed in claim 16 is characterized in that, also comprises:
Be used to send the code of remaining sum threshold alerts message, wherein when the remaining sum threshold value of previous appointment was exceeded, described remaining sum threshold alerts message was warned described consumer.
19. a communication server comprises the computer-readable medium as claimed in claim 16 that is coupled to described processor in processor and the operation.
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| US88421207P | 2007-01-09 | 2007-01-09 | |
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| CN200880004873A Pending CN101657984A (en) | 2007-01-09 | 2008-01-09 | Contactless transaction |
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| CN200880004983A Pending CN101657836A (en) | 2007-01-09 | 2008-01-09 | Mobile phone payment process including threshold indicator |
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