EP3215991A1 - Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication - Google Patents
Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communicationInfo
- Publication number
- EP3215991A1 EP3215991A1 EP15791708.9A EP15791708A EP3215991A1 EP 3215991 A1 EP3215991 A1 EP 3215991A1 EP 15791708 A EP15791708 A EP 15791708A EP 3215991 A1 EP3215991 A1 EP 3215991A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- user
- server
- payment device
- identification data
- communication terminal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Ceased
Links
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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Definitions
- the invention relates to the realization of a commercial transaction between a first user, or client, and a second user, typically a merchant. It applies particularly to the payment using a communication terminal.
- the objective is to substitute the communication terminal for other means of payment such as a credit card.
- This mechanism does not, however, entirely satisfactory in that the transaction is validated by entering a secret code on the communication terminal. This leads to a lack of potential securing of this mechanism, and in any case a lack of confidence of potential users who remain reluctant to engage in commercial transactions under new and not fully guaranteed mechanisms.
- the object of the present invention is to provide an alternative solution and at least partially overcomes the aforementioned drawbacks.
- the present invention proposes in particular a method for carrying out a commercial transaction between a first user having a communication terminal and a second user associated with a payment device, comprising:
- the invention comprises one or more of the following features which can be used separately or in partial combination with one another or in total combination with one another:
- the reception of said identification data is done by downloading from a server and in which the realization of said commercial transaction is carried out in collaboration with said server;
- said payment device further receives identification data associated with a plurality of other first users and presents identification data which is associated with said first user and with said other first users, to enable said second user to select said first user; user;
- said identification data comprise a photograph; the payment device transmits to said communication terminal an identifier associated with said device and wherein said communication terminal transmits said identifier associated with said device and an identifier of the first user to said server;
- said server verifies whether a transaction is authorized according to said identifiers.
- Another aspect of the invention relates to a payment device associated with a second user having means for receiving identification data associated with a first user and presenting them to allow verification by said second user of at least a portion of said identification data, data entry means associated with said commercial transaction and capture of an authentication data of said first user, and means for transmitting to a transaction server said authentication data and said information.
- the invention comprises one or more of the following features which can be used separately or in partial combination with one another or in total combination with one another:
- the reception of said identification data is done by downloading from a server;
- the device is adapted to further receive identification data associated with a plurality of other first users and to present identifying data associated with said first user and said other first users, and having means for enabling said second user select said first user;
- the device further has means for transmitting to a communication terminal associated with said first user, an identifier associated with said device;
- Another aspect of the invention relates to a system comprising a payment device as previously described, a communication terminal associated with said first user and a server.
- said communication terminal is provided for transmitting an identifier of the first user to said server
- said server comprises a database associating user identifiers with identification data and means for downloading to said payment device the identification data corresponding to said identifier.
- FIG. 1 shows schematically an example of implementation of the invention. DETAILED DESCRIPTION OF THE INVENTION
- the method according to the invention makes it possible to carry out a commercial transaction between two users.
- this transaction may be a payment between a first user or customer and a second user or "merchant” or “seller".
- chant or “seller”.
- customer must be taken in a general sense, since the invention can be applied to a broad spectrum of domains.
- a non-exhaustive list of applications of the principle of the invention comprises:
- the second user (merchant, seller 7) is associated with a secure device, including a payment device.
- This device can also be called POI for "Point of Interaction" in English.
- This device can be of the type typically used at a point of sale and allowing payment by the use of a credit card. However, it also has specific means enabling it to implement the invention, so that the same equipment can allow transactions both in accordance with the principle of the invention and in accordance with the state of the art. In this way, a single device is to be deployed by the merchant and the user experience (both merchants and customers) is simplified. It will be seen later the different specific means which the device must have. Typically, this payment device is secure and certified in particular according to the PCI-PTS (Payment Card Industry - PIN Transaction Security) regulations.
- PCI Payment Card Industry - PIN Transaction Security
- the payment device may also deploy other functionalities than those described in the context of the invention.
- the first user generally the customer, is associated with a communication terminal of "smartphone" type.
- this terminal makes it possible to identify the first user automatically and possibly to trigger the commercial transaction, but it should be noted that according to the invention, interaction between the first user and the communication terminal is necessary.
- the communication terminal can remain in the customer's pocket for the duration of the transaction.
- FIG. 1 illustrates the interactions between the first and second users, respectively U1, U2, the communication terminal T1, the payment device T2 and a server S, according to embodiments of the invention.
- a first phase of the principle of the invention is an enrollment phase, consisting for the customer and the merchant to set up accounts on the server S.
- the client Ul creates an account by providing information that is stored, possibly in an encrypted format, on the server S.
- This information may include information made necessary by the legislation in force (name, etc.), as well as necessary information. for the operation of the invention or its implementations. They may also include optional information.
- the client user Ul can indicate one or more means of validation of the transaction.
- Each account or payment means may include a bank account, a credit card, a loyalty card, a gift card, an identity card, etc.
- Each account or payment means may be associated with a TS transaction server, intended for the realization and finalization of the commercial transaction, as well as authentication data.
- This authentication data may be a secret code making it possible to authenticate the user UI: in a manner known per se, the value of this secret code provided during the enrollment will be compared with the value entered during a commercial transaction occurring later.
- This secret code is conventionally a PIN code, from the English "Personal Identification
- authentication data are possible alternatively or in combination, such as a facial recognition mechanism, a fingerprint, etc.
- the client user Ul can provide identification data.
- These identification data may include a photograph of the user user U1. This photograph is intended to allow identification of the user U1 by the merchant U2. It is therefore typically a photograph of the face or bust.
- identification data may be possible, as long as they allow the rapid recognition of the user Ul by a third party.
- These identification data can in particular comprise biometric data that may allow stronger authentication of the user UI: fingerprint, retinal footprint, sample for voice recognition, etc.
- Biometrics can be defined as the set of computer techniques designed to recognize an individual from its physical, biological or even behavioral characteristics.
- biometric data can therefore be used to identify the user Ul and / or for his authentication.
- the customer user Ul can define a list of merchants with whom he wishes to be able to carry out commercial transactions using the method of the invention. Alternatively, he can define a list of traders with whom he does not wish to carry out commercial transactions.
- the enrollment can be carried out via a website, accessible from the communication terminal T1 or from another terminal, such as a computer, a digital tablet, etc. or via a specific application installed on the communication terminal Tl.
- This application is intended to work in collaboration with the operating system of the communication terminal: iOS, Android, etc.
- the enrollment via a website can automatically trigger the installation of an application on the communication terminal Tl.
- This enrollment therefore comprises the provision of at least some of the aforementioned information, which can then be stored durably within a database.
- This database associates client user IDs with the data provided
- Some data such as credentials, may not be stored in this database in a sustainable manner, but only during the duration of a transaction session. They can then be provided during the initialization of a transaction. This implementation makes it possible to better respect users' personal data by avoiding long-term storage on a third-party server.
- the server S is connected to the communication networks and in particular accessible via a data network such as "Internet”. It can therefore be accessible via http protocols, etc. in a manner known per se.
- the communication between the server S and the communication terminal T1 and the payment device T2 is in accordance with protocols known in the state of the art and accessible to those skilled in the art.
- the communication terminal T1 can access the data network by using an internet connection of the payment device T2 and establishing a local communication therewith.
- the second user U2 (that is to say the merchant, in the broad sense) must also register with the server S.
- a contract can be established between the legal entity of the merchant and the legal entity governing the server S. This contract can be established and validated directly by digital message exchanges between the server S and the payment device T2, or be outside the system. In the latter case, the account of the merchant U2 on the server S can be created by an administrator of the server S.
- a commercial transaction can be triggered by putting a communication terminal Tl of an UI client user close to the payment device T2 of the user U2. Otherwise, the triggering event is the geolocation of the communication terminal T1 in a detection zone associated with the payment device T2.
- This setting may for example correspond to the approach of the customer Ul of a point of sale, or "cash", where the U2 user stands (merchant, seller ).
- a first implementation is based on NFC technology.
- NFC Near Field Communication
- English is a short-range, high-frequency wireless communication technology that allows the exchange of information between devices up to a distance of approximately 10 minutes. cm.
- This technology is an extension of ISO / IEC 14443 standardizing proximity cards using radio identification (RFID).
- RFID radio identification
- An NFC device is capable of communicating with existing ISO / IEC 14443 hardware, another NFC device, or some existing contactless infrastructure such as transit validators or merchant terminals.
- Detection of the proximity can therefore be effected by affixing the communication terminal T1 on or near the payment device T2.
- a second implementation is based on a local indoor communication technology, such as Bluetooth technology.
- These indoor communication technologies enable the detection of the geolocation of a communication terminal in a coverage area of a station within the point of sale. This can be here the payment device T2.
- Bluetooth is a communication standard that enables two-way data exchange at very short distances using ultra-high frequency radio waves. Its purpose is to simplify the connections between electronic devices by removing wired links.
- Bluetooth Low Energy (BLE) technology can be used.
- Bluetooth Low Energy (BLE) (formerly known as "Wibree") is a a wireless transmission technique created by Nokia as an open standard based on the Bluetooth standard which it supplements without replacing it. Compared to Bluetooth, Bluetooth Low Energy allows a flow of the same order of magnitude (1 Mb / s) for a power consumption 10 times less.
- the payment device T2 may have native means of communication according to BLE technology. It can also be associated with "iBeacon” type devices supporting this BLE technology.
- the payment device T2 transmits to the communication terminal Tl a point of sale identifier of its own and allows to identify the payment device and, therefore, the user U2 (ie say the trader and / or his company).
- This transmission can be triggered by the detection by the payment device T2 of the presence of the communication terminal T1.
- the identifier of the point of sale is transmitted for example periodically in "broadcast" mode.
- the communication terminal T1 can automatically (that is to say without the intervention of the user U1) transmit a message m 2 to a remote S server.
- This message includes both this point of sale identifier and an identifier of the first user Ul.
- the triggering of the commercial transaction can be carried out in different ways.
- the mere fact of communicating the communication terminal T1 and the payment device T2 may be the trigger.
- the NFC communication means must be activated in order to allow the detection of co-location.
- the setting in proximity is not sufficient because of the wider range of the communication: it can be enough that the user Ul enters the point of sale for it to be detected, which obviously does not mean that it wants to immediately trigger a commercial transaction.
- the payment device T2 if several users are present at the same time in an area corresponding to the point of sale, they can all be detected by the payment device T2 and a selection must be made.
- a triggering event must be provided and this event can be an action of the user U2.
- This action consists in triggering the commercial transaction via the payment device T2.
- the user U2 enters, using the payment device T2, information associated with the commercial transaction.
- This information includes a price to pay, and may include other information as well.
- This information can then be transmitted to the server S.
- the server S can trigger the downloading of identification data to the payment device T2.
- These credentials are those associated with the first user Ul and any other users detected in the database contained in the server S.
- the triggering of this download can be done on request of the payment device T2, or in response to the transmission by the latter of the information to the commercial transaction, or on the initiative of the server S, for example as soon as a new customer is detected by receiving a message from a communication terminal T1.
- the server S may be provided to check whether a transaction can be authorized based on the identifier of the first and second users.
- each first user can define a list of traders with whom he wishes to be able to establish or not commercial transactions.
- a merchant can possibly define a list of customers with whom he does not wish to establish a commercial transaction ("blacklist").
- the corresponding identification data may not be downloaded.
- the payment device T2 can thus receive from the server S the identification data. As will be seen later, according to another embodiment, these identification data can be received directly from the communication terminal T1.
- the identification data may contain a photograph.
- the payment device T2 then has display means for displaying the photograph so that the user U2 can see it in sufficient quality.
- all the photographs of the detected client users are displayed.
- he can then select the first user Ul among the detected customers by selecting the identification data (that is to say his photograph) among those presented on the screen of the payment device .
- the user U2 can also check whether the identification data displayed actually corresponds to the user Ul. If it is a photograph, the verification is direct and obvious.
- the first user Ul can then enter an authentication data DA which is captured by the payment device T2.
- Different implementations are then possible (fingerprint, bottom of the eye, etc.).
- the first user U1 may be prompted to enter a secret code on a keyboard of the device T2 to enter.
- This implementation has the advantage of taking advantage of the capabilities of the existing payment device pool, to provide a habitual and reassuring practice for the users and to provide a sufficient level of authentication for most common uses.
- This secret code can be encrypted and transmitted to the server S in a message 1114.
- the encryption can be in accordance with the ISO 9564 standard entitled "Personal Identification Number (PIN) management and security".
- the transmission of the secret code (or any other authentication data) DA can be joint to the transmission of the identifier of the user Ul, the identification of the payment device and the information associated with the transaction (such as the price to pay), as entered by the U2 user.
- the server S can then check the validity of the information received, in particular by comparison with the information associated with the user Ul in the database and that it has provided during its enrollment.
- the secret code can be verified and, depending on this verification, the commercial transaction is authorized or not.
- the server S can then initiate the realization of the commercial transaction.
- This embodiment can be performed by a transaction server TS.
- This transaction server can collaborate with the server S in particular so that it provides him with the data he has.
- the transaction server TS may be determined by an identifier, or an address, associated within the database of the server S, to an account of the client user U1.
- the client user Ul can indicate one or more means of validation of the transaction (bank accounts or other means of payment) that can be associated with a transaction server TS.
- This selection can be made. This selection can be automatic, but also manual by an additional protocol exchange with the payment device T2, or possibly with the communication terminal T1.
- This transaction server TS is intended to perform a commercial transaction. It is typically a server of the acquirer, or a network of servers, such as the network "credit cards”, VISA, Mastercard, etc.
- the server S can transmit a confirmation (or an error status) to the payment device T2 and the communication terminal T1 by messages m 5 , m 6 respectively.
- the payment device T2 can then display the confirmation information on a screen, and / or trigger the printing of a receipt, etc.
- the communication terminal T1 detects that it is no longer in communication with the payment device T2.
- This zone can in particular correspond to the Bluetooth or BLE (Bluetooth Low Energy) coverage.
- the communication terminal T1 can then send a message M to the server S to inform it and allow the server S to terminate the transactional session.
- the present invention is not limited to the examples and to the embodiment described and shown, but it is capable of numerous variants accessible to those skilled in the art.
- authentication data DA such a secret code (PIN type)
- PIN type secret code
- biometric data fingerprint, facial recognition, iris recognition, etc.
- a photograph, an access code and the presence of the communication terminal T1 are combined.
- These cases could, for example, be when the amount (ie the price to be paid) is very small, below a predetermined threshold, or in a transaction between members of a closed group such as a community ( school, company ...) or a fair or similar event.
- This choice can be left to the user, who can for example determine the threshold.
- the user Ul immediately receives a confirmation via a message m 6 .
- authentication data is not necessary, it is indeed important for the client user to be informed in real time of the completion of a transaction.
- Another advantage of the invention is to be able to take advantage of the existing fleet of T2 payment device. Indeed, the invention can be deployed with the latest models of devices with color screen allowing a display of photographs with sufficient resolution to allow facial recognition. By the use of "ibeacon" type devices associated with the payment device, it is not necessary to modify these models to allow the invention to be deployed.
- Another advantage of the invention is to simplify as much as possible the experience of the user Ul. He may have no other actions to perform than the input of a secret code. According to one embodiment of the invention, it can keep its communication terminal in its vicinity, without having to manipulate it or take it out, insofar as it is only used to indicate the presence of the user near the merchant. Beyond the field of dematerialization of payment cards (credit or debit), the invention can also be applied to other types of transaction.
- the term "commercial" used in the foregoing description should be understood in a very general sense:
- the invention makes it possible to dematerialize the payment without decreasing the security and the assurance of each part of the transaction correctly performed.
- the mechanism is realized without the server S.
- the communication terminal Tl can fully transmit to the payment device T2 the information needed to identify the user UI without going through a third party server. More specifically, when the transaction is initialized, it transmits the identifier of the user Ul and the identification data (photography, etc.).
- the payment device can transmit transaction information directly to the TS transaction server without going through a server S.
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR1460615A FR3028079B1 (fr) | 2014-11-04 | 2014-11-04 | Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication |
PCT/FR2015/052838 WO2016071602A1 (fr) | 2014-11-04 | 2015-10-22 | Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication |
Publications (1)
Publication Number | Publication Date |
---|---|
EP3215991A1 true EP3215991A1 (fr) | 2017-09-13 |
Family
ID=52692742
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP15791708.9A Ceased EP3215991A1 (fr) | 2014-11-04 | 2015-10-22 | Transaction simplifiee a l'aide d'un dispositif de paiement et d'un terminal de communication |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP3215991A1 (fr) |
CN (1) | CN107004186A (fr) |
FR (1) | FR3028079B1 (fr) |
WO (1) | WO2016071602A1 (fr) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN108460937B (zh) * | 2018-04-25 | 2024-04-26 | 北京百汇安科技有限公司 | 一种智能pos***及支付方法 |
CN109684811B (zh) * | 2018-12-26 | 2021-04-13 | 巽腾(广东)科技有限公司 | 定点授权的身份识别方法、装置及服务器 |
Citations (5)
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WO2005098769A1 (fr) * | 2004-04-05 | 2005-10-20 | Payzy Corporation B.V. | Systeme et procede permettant de faciliter des transactions de paiement sans contact dans differents systemes de paiement au moyen d'un dispositif mobile courant faisant office de dispositif de valeur stockee |
US20090055319A1 (en) * | 2007-08-21 | 2009-02-26 | Fazal Raheman | Novel card-less, name-less, number-less, and paper-less method and system of highly secure completely anonymous customer-merchant transactions |
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US20140074605A1 (en) * | 2012-09-11 | 2014-03-13 | First Data Corporation | Systems and methods for facilitating purchases at a gas station via mobile commerce |
US20140297440A1 (en) * | 2011-09-27 | 2014-10-02 | Seamless Payments Ab | Secure two party matching transaction system |
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US20080313082A1 (en) * | 2007-06-14 | 2008-12-18 | Motorola, Inc. | Method and apparatus for proximity payment provisioning between a wireless communication device and a trusted party |
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GB2501318A (en) * | 2012-04-20 | 2013-10-23 | Powa Technologies Ltd | Smart-card reader device with encrypted data transmission to a mobile device |
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WO2014111760A1 (fr) * | 2013-01-16 | 2014-07-24 | Kanhatech Solutions Limited | Terminal de transaction intégré |
-
2014
- 2014-11-04 FR FR1460615A patent/FR3028079B1/fr active Active
-
2015
- 2015-10-22 WO PCT/FR2015/052838 patent/WO2016071602A1/fr active Application Filing
- 2015-10-22 EP EP15791708.9A patent/EP3215991A1/fr not_active Ceased
- 2015-10-22 CN CN201580059854.XA patent/CN107004186A/zh active Pending
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WO2005098769A1 (fr) * | 2004-04-05 | 2005-10-20 | Payzy Corporation B.V. | Systeme et procede permettant de faciliter des transactions de paiement sans contact dans differents systemes de paiement au moyen d'un dispositif mobile courant faisant office de dispositif de valeur stockee |
US8005426B2 (en) * | 2005-03-07 | 2011-08-23 | Nokia Corporation | Method and mobile terminal device including smartcard module and near field communications means |
US20090055319A1 (en) * | 2007-08-21 | 2009-02-26 | Fazal Raheman | Novel card-less, name-less, number-less, and paper-less method and system of highly secure completely anonymous customer-merchant transactions |
US20140297440A1 (en) * | 2011-09-27 | 2014-10-02 | Seamless Payments Ab | Secure two party matching transaction system |
US20140074605A1 (en) * | 2012-09-11 | 2014-03-13 | First Data Corporation | Systems and methods for facilitating purchases at a gas station via mobile commerce |
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See also references of WO2016071602A1 * |
Also Published As
Publication number | Publication date |
---|---|
FR3028079B1 (fr) | 2016-11-11 |
WO2016071602A1 (fr) | 2016-05-12 |
CN107004186A (zh) | 2017-08-01 |
FR3028079A1 (fr) | 2016-05-06 |
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