Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/14—Payment architectures specially adapted for billing systems
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
  • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
  • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
  • G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
  • G06Q20/102—Bill distribution or payments
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
  • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR 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
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR 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
  • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR 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
  • G06Q30/00—Commerce
  • G06Q30/04—Billing or invoicing
• • 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
• • 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

Definitions

• the invention relates to the field of payment devices. More particularly, the invention relates to a payment device that has cash collection capabilities.
• Payment terminals are now mainly used in shops to make payment purchases. Merchants favor these payment terminals because they offer a greater degree of transaction security than other means of payment (such as checks) and they make it possible to avoid the inconveniences associated with the possession of too much money. cash.
• the payment terminal has become the preferred accessory of the merchant.
• the payment terminal is not yet entirely adapted to the merchant's need due to a lack of business functionality.
• merchants are calling for an integrated payment solution with the payment terminal.
• payment solution one understands on the one hand an integration and a communication between the payment terminal and an intelligent cash register and on the other hand a respect of standards in force relating to the payment (such norms are generally built for a given country).
• a terminal payment / cash register integration depends on the collection system (eg the cash register), the payment terminal and is generally only valid in one country.
• the collection system eg the cash register
• the proposed technique does not have these disadvantages of the prior art. More particularly, the proposed technique relates to a method of processing transactional data, via a payment terminal.
• the proposed method differs in that it includes:
• the proposed technique makes it possible to obtain data relating to the invoice without having to modify the operation of the cash register system (which may be a cash register). Indeed, by making a capture from an existing support (such as a receipt or a printed invoice, but also a screen of the collection system), it is not necessary to provide a specific development on the side of the collection system.
• said step of capturing said consolidated data comprises:
• said step of ca pture of said consolidated data further comprises, after said step of decoding said two-dimensional code, a step of decompressing the data of said two-dimensional code.
• the data is compressed on the two-dimensional code, it is possible to transmit, on the code, more data than that which is normally possible to be transmitted by the user. intermediate of this type of code.
• said step of capturing said consolidated data further comprises, after said step of decoding said two-dimensional code, a step of decrypting the data of said two-dimensional code.
• the consolidated data can not be decrypted by any barcode capture application. Nor is it possible for a dishonest customer to defraud by modifying the content of the bar code.
• said method further comprises, after the transmission, to said payment application of said payment terminal, said at least one data representative of a sum to pay:
• the proposed technique may also take the form of a payment terminal comprising transactional data processing means.
• transactional data processing means comprise:
• transaction data means for transmitting, to a payment application of said payment terminal, at least one piece of data representative of a sum to be paid as a function of at least one element of said digital invoice, called transaction data.
• the various steps of the methods according to the invention are implemented by one or more software or computer programs, comprising software instructions intended to be executed by a data processor of a relay module according to the invention. invention and being designed to control the execution of the various process steps.
• the invention is also directed to a program that can be executed by a computer or a data processor, which program includes instructions for controlling the execution of the steps of a method as mentioned above.
• This program can use any programming language, and be in the form of source code, object code, or intermediate code between source code and object code, such as in a partially compiled form, or in any other form desirable shape.
• the invention also relates to a data carrier readable by a data processor, and comprising instructions of a program as mentioned above.
• the information carrier may be any entity or device capable of storing the program.
• the medium may comprise storage means, such as a ROM, for example a CD ROM or a microelectronic circuit ROM, or a magnetic recording medium, for example a floppy disk or a disk. hard.
• the information medium may be a transmissible medium such as an electrical or optical signal, which may be conveyed via an electrical or optical cable, by radio or by other means.
• the program according to the invention can be downloaded in particular on an Internet type network.
• the information carrier may be an integrated circuit in which the program is incorporated, the circuit being adapted to execute or to be used in the execution of the method in question.
• the invention is implemented by means of software and / or hardware components.
• module may correspond in this document as well to a software component, a hardware component or a set of hardware and software components.
• a software component corresponds to one or more computer programs, one or more subroutines of a program, or more generally to any element of a program or software capable of implementing a function or a program. set of functions, as described below for the module concerned.
• Such a software component is executed by a data processor of a physical entity (terminal, server, gateway, router, etc.) and is capable of accessing the hardware resources of this physical entity (memories, recording media, bus communication cards, input / output electronic cards, user interfaces, etc.).
• a hardware component corresponds to any element of a hardware set (or hardware) able to implement a function or a set of functions, as described below for the module concerned. he may be a hardware component that is programmable or has an integrated processor for running software, for example an integrated circuit, a smart card, a memory card, an electronic card for executing a firmware ( firmware), etc.
• Figure 2 describes more precisely the stages of obtaining the consolidated grant
• Figure 3 describes a device for implementing the proposed technique.
• the main purpose of the invention is to develop a single application of collection.
• This unique business application dedicated to the collection includes simple functions of the systems of cashing: possibility to divide or to distribute the payment of an invoice (when the invoice is shared between several customers for example), possibility of deleting articles or to apply discounts on the bill, etc.
• This cashing application is called generic since it does not include any complex collection functions (which are linked to local, regional or national regulations) and is available for all terminals. a given type. In a particular mode of implementation, the payment terminal manufacturer may select the types or ranges of payment terminals on which the generic application is installed.
• the cashing application can be implemented in the form of a module, software or hardware, which is in charge of the collection functions at the terminal of the payment terminal.
• the general principle of the invention is also to implement a generic interface between the payment terminal and the cashing system, to avoid developing particular interfaces, which are often complex and expensive. Indeed, to solve the aforementioned problems, it is also necessary to provide a possibility of data transmission between the collection system and the payment terminal.
• Such data transmission can be implemented by a physical interface based on either a wired transmission or a wireless transmission.
• the payment terminal receives data (mainly a transaction transaction donation) and displays this donation in order to allow the customer (the one who settles the transaction amount) to pay (ie generally say to enter a personal identification code, PIN code).
• the proposed technique does not fundamentally change this way of working.
• the proposed technique modifies both the way the data is transmitted and the recipient of the transmitted data.
• the collection systems are para meta ble. They can be set both in terms of electronic display (eg for the appearance of icons or logos that are displayed on the various screens of the system). They can also be set in terms of physical display: the logos and data that are printed on the receipts can be set.
• the system offers several options for payment of receipts. The proposed technique is based on these possibilities for printing, in addition to the data traditional (store, date, time, logos, product identification, quantities, price per item, total price, tax amounts), consolidated data and converted into a visual symbol. This consolidated data includes, in condensed and standardized form, all the useful data of the receipt (date / time / identification of products, quantity per product, price per product, total amount, tax amounts).
• This consolidated data is printed on the receipt and is readable by the payment terminal.
• the transmission of useful data for the payment terminal collection functions does not require the development of a complex application on the payment terminal and on the collection system.
• a suitable setting of the cashing system may be sufficient. In certain situations in which such an impression is not possible, it is only necessary to develop a specific application for the collection system and not for the terminal, which is much less expensive.
• the data is always intended for the payment terminal, but the data is no longer transmitted, as traditionally, to a payment application (ie a secure application responsible for validating payment), but to the payment application (generic) of the payment terminal which is in charge of processing transaction data. It is the cashing application that then communicates with the payment application to perform the transaction (s) (for example, several separate transactions when the invoice amount is to be divided among several payers).
• a payment application ie a secure application responsible for validating payment
• the payment application generator of the payment terminal which is in charge of processing transaction data. It is the cashing application that then communicates with the payment application to perform the transaction (s) (for example, several separate transactions when the invoice amount is to be divided among several payers).
• the proposed technique comprises, from the point of view of the payment terminal:
• a step 20 of formatting the consolidated data by an application for collection of said payment terminal, issuing a digital invoice (FactN); a display stage 30, by said cashing application, of said digital bill (FactN);
• At least one transmission step 40 to a payment application AppP of said payment termi, at least one data representative of a sum to be paid S as a function of at least one element E of said digital factu re.
• the installation stage comprises a step of obtaining an image representative of the invoice to be adjusted, for example by means of a digital sensor installed on said terminal.
• the image is the consolidated data.
• the formatting of the consolidated data then comprises an optical character recognition step that delivers the data of the invoice.
• the pre-existing support is not in the form of an invoice, but for example a screen, such as the screen of the cash register, on which the consolidated data is displayed.
• the consolidated data is in the form of an audio signal emitted by the collection system.
• a Q.Rsec. Code 4 or 10 is used to record the consolidated data (the data item containing the paytable data).
• Other types of Q.R code may also be used. This is a simple presentation. The advantage of this type of Q.R code is that from 67 (version 4) to 395 (version 10) alphanumeric characters (a bit equivalent can also be calculated).
• version code 40 may also be used.
• the objective in this embodiment, is not to store, in the code to two dimensions, a link (an address) to which the payment terminal cashing application will be redirected to obtain the useful data.
• the goal is to store in the code the useful data.
• the storage capacity of such a code is limited, as is the capacity of the collection system to generate such codes, an additional problem must be solved: how to do when the amount of data exceeds that of the code .
• the first is to compress the data that must be inserted in the code; this compression, in this particular embodiment is carried out either with a Baudot coding or with an adaptive Huffman coding.
• Baudot coding is that the payload is always distributed in the same sequence comprising the article (including letters), a possible quantity and a price (including numbers).
• Baudot coding which includes a 5-bit character encoding is interesting in this situation because the succession of useful data is predictable. Thus, the storage capacity of the code is greatly increased.
• the second solution is to print as much code as necessary. For example, if the capacity of the first code is exceeded, a second code is printed to provide the missing data. Code printing continues as long as data needs to be added.
• At least one code including the payload is printed on the receipt.
• the proposed technique comprises:
• obtaining this consolidated data is implemented by the following steps: scan (11) of the receipt by the payment terminal (the use of the scan function is authorized for the cashing application) using a barcode reader;
• decoding (12) the obtained code optionally including a step of decompressing data if necessary;
• the cashing features of the generic application can thus be implemented.
• These functionalities can for example be functions of division, distribution, reduction of amount, loyalty (credit card loyalty), etc.
• these functionalities are simple and do not interfere with the complex functions of the collection system (such as for example the calculation of VAT amount, transaction logging, etc.).
• the implementation of the payment is ordered from the payment terminal cashing application.
• the cashing application transmits to the payment application the data required for payment (i.e., at least the amount), and Payment application is responsible for performing the necessary transactions for payment (verification of the PIN, obtaining banking authorization, etc.) up to the printing of an expense report per meal. If the consumer decides to pay in cash or via any other means of payment (restaurant titles for example), the application offers the possibility to note it in order to calculate the total amount to be paid.
• the proposed technique when the functions offered by the cashing application are more complex, also comprises, from the point of view of the payment terminal, a complementary printing step, with the aid of a payment terminal printer, a summary data item, also aggregated, in the form of a two-dimensional code (QR Code), on a payment ticket.
• the payment ticket is the duplicate ticket that is kept by the merchant.
• the code which is printed in a complementary manner can be read by the collection system, for example by means of a hand shower, in order to take into account the complex collection operation carried out from the payment terminal.
• This step of printing the two-dimensional code is preceded by a step of calculating the necessary data.
• the two-dimensional code data in addition to being compressed, is also encrypted. More particularly, the data is encrypted using a public key available through the cashing system. The cashing system encrypts the data once it has been compressed (if compression is implemented).
• the proposed technique is based on the ability of the collection system to restore (or print) a consolidated data that includes all the data useful to the payment terminal cashing module.
• This useful data includes at least the identification of the articles.
• these useful data also include the number of items, the amount of these items and possible tax amounts, or even tax codes.
• the POS system may take the form of a so-called “smart" cash register, which can be set up to perform invoice printing according to local or regional regulations and other regulations. in accordance with the merchant's presentation requirements.
• the collection system may also take the form of a computer system, more or less decentralized, in which cash registers, slaves, are connected to a cashing server via a communication network. This case may apply, for example, to distribution networks (franchised) or to large stores or businesses in which the cash registers are connected in a network. In this case, the setting can be made for all cash registers, at the server of cashing.
• the system is therefore set to return the consolidated data (or a coded and / or encrypted form of the consolidated data) on the invoice, when printing it or on any other suitable medium: for example a bar code may be imme diated at the merchant's request when the customer wishes to pay the invoice.
• the consolidated data is printed on the invoice itself.
• the invoice may also be a receipt, a box or any other suitable support.
• the collection is carried out directly at the table: 1.
• the server types the number of the table at the collection system.
• the cashing system prints the ticket with the details of the bill and the total;
• the printed Q.R code contains the addition information in the form "Name of the dish” "Quantity” “Price” "VAT", each item being separated by a separating symbol;
• the server arrives at the table to proceed with the payment with its electronic payment terminal
• the server scans the code (s) Q.R.
• the terminal then recreates the whole of the addition with the data included in the code Q.R;
• the server can ask the person P2 what it is consumed and then on.
• the "Remaining Payable" total is automatically updated at the end of each subtotal paid;
• the subtotal must therefore be zero to validate that all consumers of a table have paid all of their consumptions.
• the payment terminal equipped with a generic cashing application within the meaning of the present technique, associated with a simplified obtaining of the useful data relating to the purchase allow the merchant to have a payment terminal useful in the case of collection processing located at different locations from where the main cash register system is located.
• a simplified architecture of a payment terminal capable of implementing the described technique is presented.
• a terminal comprises a memory 41, a processing unit 42 equipped for example with a microprocessor, and driven by the computer program 43, implementing at least part of the method as described.
• the technique described is implemented in the form of a software application.
• the described technique is implemented in a purely hardware form, using processors and interfaces specially created for this purpose, for example in a secure payment terminal.
• Such a terminal comprises: means for capturing at least one piece of data representative of an invoice to be settled, said consolidated data item;
• the terminal may also include cryptographic processing modules for encrypting and decrypting data.
• Such modules and components constitute the means implemented to perform the necessary operations in connection with the present technique.
• Such means may be in a hardware form, for example processors or microprocessors of the FPGA type, or in a software form or in a combination of these forms.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• General Physics & Mathematics (AREA)
• Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Finance (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Development Economics (AREA)
• Economics (AREA)
• Computer Networks & Wireless Communication (AREA)
• Marketing (AREA)
• Cash Registers Or Receiving Machines (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (2)

Publications (1)

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Citations (5)

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• 2013
  • 2013-09-27 FR FR1359350A patent/FR3011366B1/fr active Active
• 2014
  • 2014-09-26 EP EP14777571.2A patent/EP3050034A1/de not_active Ceased
  • 2014-09-26 WO PCT/EP2014/070704 patent/WO2015044393A1/fr active Application Filing
  • 2014-09-26 US US15/024,271 patent/US10504078B2/en active Active
  • 2014-09-26 BR BR112016006647A patent/BR112016006647A2/pt not_active Application Discontinuation
  • 2014-09-26 CA CA2921110A patent/CA2921110C/en active Active

Patent Citations (5)

Non-Patent Citations (2)

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