WO2012177174A1 - Cash register for a mobile payment system - Google Patents

Cash register for a mobile payment system Download PDF

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Publication number
WO2012177174A1
WO2012177174A1 PCT/RU2012/000129 RU2012000129W WO2012177174A1 WO 2012177174 A1 WO2012177174 A1 WO 2012177174A1 RU 2012000129 W RU2012000129 W RU 2012000129W WO 2012177174 A1 WO2012177174 A1 WO 2012177174A1
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WIPO (PCT)
Prior art keywords
cash register
check
modem
seller
digital data
Prior art date
Application number
PCT/RU2012/000129
Other languages
French (fr)
Russian (ru)
Inventor
Евгений Яковлевич БИЛЮКИН
Игорь Михайлович ЯКОВЛЕВ
Original Assignee
Bilyukin Evgeniy Yakovlevich
Yakovlev Igor Mikhailovich
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by Bilyukin Evgeniy Yakovlevich, Yakovlev Igor Mikhailovich filed Critical Bilyukin Evgeniy Yakovlevich
Publication of WO2012177174A1 publication Critical patent/WO2012177174A1/en

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    • 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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Definitions

  • the utility model relates to the field of trade, namely, equipment for accounting payments, including non-cash, namely cash registers using telecommunications.
  • a cash register for a transaction payment system comprising digital input means associated with a digital data recorder connected to an adder, a display displaying information on the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object ( RU 2158962).
  • the cash register is made with the possibility of making a request regarding a cash card or check, or other document to confirm the payment method for use in paying for the transaction, the correct presentation of the payment method for payment, and in the case when the payment method is a lost, stolen or unauthorized check, credit or debit card.
  • the problem solved by this utility model is to create a cash register to work in a payment system with personal identification and using mobile communications.
  • the technical result is to simplify the design of the cash register compared to the prototype with the ability to work on it, as on a regular cash register, which does not require training in new skills.
  • the cash register for a mobile payment system containing digital input means associated with a digital data recorder connected to an adder, a display that displays information about the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object, it is equipped with a means for generating a short message containing the generated check;
  • the modem is a 3G modem with a SIM card, while the cash register contains radio channels for direct transmission of a short message containing a formed check for a mobile communication device located close to the cash register.
  • the figure shows the mobile payment system for which the inventive cash register has been developed.
  • a cash register for a mobile payment system comprises digital data input means associated with a digital data recorder connected to an adder. There is a display that displays information about the cost of the goods and the total purchase price, as well as a means of generating a check file and a modem for communication with a remote object.
  • the device is equipped with a means for generating a short message containing the generated check.
  • the modem is a 3G modem with a SIM card.
  • the cash register comprises short-range radio communication means for directly transmitting a short message containing the generated check to a mobile communication device located close to the cash register.
  • the system generates and transfers a CMC into which a check file is included - a CMC check 1, a request for confirmation of payment 2 is transmitted, and a balance change is recorded when paying 3.
  • the principle and scheme of work will be considered on the example of a purchase at a grocery store.
  • the Seller’s cash register is equipped with a 3G modem and a direct transfer device for the CMC check to the Buyer's mobile phone.
  • the buyer with a set of products that he wants to buy is suitable for the seller.
  • the seller requests the mobile phone number of the Buyer or reads it using a special device.
  • the seller punches on the cash register a check with the names of the products, price, total amount, phone number of the seller and the phone number of the buyer.
  • Next is the SMS check.
  • the cash register is equipped with a 3G modem with a Seller’s SIM card and a direct transfer device for the CMC-check to a mobile phone or other device for the Buyer's mobile communication.
  • the cash register displays the current balance on the seller’s SIM card.
  • An SMS check punched by the seller directly hits the Buyer's mobile phone or other mobile device.
  • a cell phone (or other means of mobile communication, such as a communicator, PDA, smartphone, etc.) of the Buyer must support the function of a biometric scanner of the iris of the eye and finger of a person’s hand.
  • the buyer brings the phone to the eye and / or puts a finger on the phone (the phone screen, the lens of the built-in camera or a separate built-in device can perform the scanner function).
  • the scanner takes a picture of the iris and / or finger and automatically inserts it into an SMS message confirming payment (for security, you can also add a confirmation code, which the Buyer himself must enter, but this will increase the duration of the operation, it is better to make it an additional option).
  • An SMS message containing a CMC check and a payment confirmation is sent from the Buyer's phone.
  • the mobile operator by the Buyer's phone number checks the balance for the adequacy of funds for the operation and compares the received image of the iris of the Buyer with the existing image in the database (database) of the Mobile operator. The picture is entered into the database upon conclusion of a service agreement between the mobile operator and the Buyer.
  • the Seller will be sent an SMS message about the impossibility of the operation.
  • the Mobile Operator deducts funds from the account assigned to the Buyer's mobile number and credits funds to the account assigned to the Seller's mobile number.
  • the seller sees the crediting of the amount on the cash register, the Buyer receives an SMS message about the debiting of the amount to his cell phone or other mobile device.
  • the transaction is completed.
  • the seller receives his money, the buyer receives his goods.
  • This scheme will expand the use of cell phones. It can be adapted to almost all types of financial transactions.
  • the scheme will allow involving in financial transactions using a cell phone people of any age and with any level of technical knowledge, as well as business entities.

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

Abstract

This utility model relates to the field of trade, and specifically to equipment for calculating payments, including clearing payments, and specifically to cash registers using telecommunication means. The problem addressed by this utility model consists in producing a cash register for operation in a payment system with personal identification and using mobile communication means. The technical result consists in simplifying the design of the cash register. The cash register comprises digital data input means, which are connected to a digital data recording means, which is coupled to an adder. There is a display which displays information relating to the cost of the goods and the total cost of the purchase, as well as a check (SMS check) file generation means. The cash register of the system is equipped with 3G modems with the seller's SIM card. The current balance on the seller's SIM card is displayed on the cash register. The SMS check issued by the seller is sent via the 3G modem to the cellular operator. The cash register is equipped with short-range radio communication means for direct transmission of a short message containing the check generated to a mobile communication means located in the vicinity of the cash register.

Description

Кассовый аппарат для системы мобильных платежей  Cash Register for a Mobile Payment System
Полезная модель относится к области торговли, а именно к оборудованию для учета платежей, в том числе безналичных, а именно к кассовым аппаратам с использованием средств телекоммуникаций. The utility model relates to the field of trade, namely, equipment for accounting payments, including non-cash, namely cash registers using telecommunications.
Известен кассовый аппарат для системы оплаты сделок, содержащий средства ввода цифровых данных, связанные со средством записи цифровых данных, подключенным к сумматору, дисплей, отображающий информацию о стоимости товара и суммарной стоимости покупки, а также средство формирования файла чека и модем для связи удаленным объектом (RU 2158962). Кассовый аппарат выполнен с возможностью осуществления запроса с относительно заменяющей наличные деньги карты или чека, или другого документа для подтверждения средства оплаты для использования при оплате сделки, правильности предъявления средства оплаты для оплаты и в случае, когда средство оплаты является потерянным, украденным или несанкционированным чеком, кредитной или дебетной карты. Также предусмотрена запись изображения или внешности предъявителя средства оплаты, если предъявленное средство оплаты, такое как чек, кредитная или дебетная карта, неправильно предъявлено для оплаты в случае, когда оно является потерянным или украденным. Таким образом, при проведении сделки повышается вероятность обнаружения использования недействительных документов и правильная идентификация плательщика. Однако все это перегружает конструкцию и структуру кассового аппарата, и приводит к тому, что работа на нем требует обучения значительном количеству новых навыков. Кроме того, данный кассовый аппарат не приспособлен для использования в сети мобильной связи. Существуют более простые и надежные средства идентификации, например, путем передачи биометрических данных по мобильной связи и их дистанционной проверки, использующиеся при осуществлении оплаты с терминала, оборудованного средствами ближней радиосвязи для взаимодействия со средством мобильной связи, однако в данном случае указанные средства предназначены лишь для передачи персональных идентификационных данных плательщика и передачи ему информации о подтверждении его личности (US20041 12950), в том числе с использованием биометрической информации (DE102007012813). Кроме того, в данных системах могут использоваться лишь платежные терминалы. A cash register for a transaction payment system is known, comprising digital input means associated with a digital data recorder connected to an adder, a display displaying information on the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object ( RU 2158962). The cash register is made with the possibility of making a request regarding a cash card or check, or other document to confirm the payment method for use in paying for the transaction, the correct presentation of the payment method for payment, and in the case when the payment method is a lost, stolen or unauthorized check, credit or debit card. It also provides for recording the image or appearance of the bearer of the means of payment if the presented means of payment, such as a check, credit or debit card, are incorrectly presented for payment in the event that it is lost or stolen. Thus, the transaction increases the likelihood of detecting the use of invalid documents and the correct identification of the payer. However, all this overloads the design and structure of the cash register, and leads to the fact that working on it requires training a significant number of new skills. In addition, this cash register is not suitable for use in a mobile communication network. There are simpler and more reliable means of identification, for example, by transmitting biometric data via mobile communication and their remote verification, which are used when making payments from a terminal equipped with short-range radio communications to interact with a mobile communications device, however, in this case, these funds are intended only for transmission personal identification data of the payer and the transfer to him of information on confirmation of his identity (US20041 12950), including using biometric Info (DE102007012813). In addition, in these systems only payment terminals can be used.
Задача, решаемая данной полезной моделью заключается в создании кассового аппарата для работы в системе платежей с персональной идентификацией и использующей средства мобильной связи.  The problem solved by this utility model is to create a cash register to work in a payment system with personal identification and using mobile communications.
Техническим результатом является упрощение конструкции кассового аппарата по сравнению с прототипом с возможностью работы на нем, как на обычном кассовом аппарате, не требующей обучения новым навыкам.  The technical result is to simplify the design of the cash register compared to the prototype with the ability to work on it, as on a regular cash register, which does not require training in new skills.
Технический результат достигается тем, что кассовый аппарат для системы мобильных платежей, содержащий средства ввода цифровых данных, связанные со средством записи цифровых данных, подключенным к сумматору, дисплей, отображающий информацию о стоимости товара и суммарной стоимости покупки, а также средство формирования файла чека и модем для связи с удаленным объектом, снабжен средством формирования короткого сообщения, содержащего сформированный чек модем является 3G модемом с SIM-картой, при этом кассовый аппарат содержит средства ближней радиосвязи для непосредственной передачи короткого сообщения, содержащего сформированный чек, на находящееся вблизи от кассового аппарата средство мобильной связи. The technical result is achieved by the fact that the cash register for a mobile payment system containing digital input means associated with a digital data recorder connected to an adder, a display that displays information about the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object, it is equipped with a means for generating a short message containing the generated check; the modem is a 3G modem with a SIM card, while the cash register contains radio channels for direct transmission of a short message containing a formed check for a mobile communication device located close to the cash register.
Функции снятия биометрических данных , изображений и т.п. , приводящие к усложнению конструкции кассового аппарата, передаются приспособленным для этого миниатюрным устройством в средствах мобильной связи. В результате конструкция заявленного кассового аппарата, снабженного средством формирования коротких сообщений и средствами ближней радиосвязи и использующего 3G модем с SIM-картой оказывается проще, чем конструкция известного кассового аппарата, фактически представляющего собой систему с камерой, монитором для воспроизведения видеосигналов камеры в реальном масштабе времени и видеомагнитофоном для записи видеосигналов камеры.  Functions for taking biometric data, images, etc. , leading to a complication of the design of the cash register, are transmitted adapted for this miniature device in mobile communications. As a result, the design of the claimed cash register equipped with short message generation means and short-range radio communications and using a 3G modem with a SIM card is simpler than the design of the well-known cash register, which is actually a system with a camera, a monitor for reproducing camera video signals in real time and VCR to record camera video signals.
На рисунке показана система мобильных платежей, для которой разработан заявляемый кассовый аппарат.  The figure shows the mobile payment system for which the inventive cash register has been developed.
Кассовый аппарат для системы мобильных платежей содержит средства ввода цифровых данных, связанные со средством записи цифровых данных, подключенным к сумматору. Имеется дисплей, отображающий информацию о стоимости товара и суммарной стоимости покупки, а также средство формирования файла чека и модем для связи с удаленным объектом. Аппарат снабжен средством формирования короткого сообщения, содержащего сформированный чек модем является 3G модемом с SIM-картой. При этом кассовый аппарат содержит средства ближней радиосвязи для непосредственной передачи короткого сообщения, содержащего сформированный чек, на находящееся вблизи от кассового аппарата средство мобильной связи.  A cash register for a mobile payment system comprises digital data input means associated with a digital data recorder connected to an adder. There is a display that displays information about the cost of the goods and the total purchase price, as well as a means of generating a check file and a modem for communication with a remote object. The device is equipped with a means for generating a short message containing the generated check. The modem is a 3G modem with a SIM card. Moreover, the cash register comprises short-range radio communication means for directly transmitting a short message containing the generated check to a mobile communication device located close to the cash register.
В системе осуществляется формирование и передача CMC в которое включен файл чека - CMC-чек 1, передача запроса на подтверждение платежа 2, фиксация изменения баланса при оплате 3. Принцип и схема работы будут рассмотрены на примере покупки в продуктовом магазине. Кассовый аппарат Продавца снабжен 3G модемом и устройством прямой передачи CMC-чека на сотовый телефон Покупателя. The system generates and transfers a CMC into which a check file is included - a CMC check 1, a request for confirmation of payment 2 is transmitted, and a balance change is recorded when paying 3. The principle and scheme of work will be considered on the example of a purchase at a grocery store. The Seller’s cash register is equipped with a 3G modem and a direct transfer device for the CMC check to the Buyer's mobile phone.
Покупатель с набором продуктов, которые он хочет купить подходит к Продавцу.  The buyer with a set of products that he wants to buy is suitable for the seller.
Продавец запрашивает номер сотового телефона Покупателя или считывает его с помощью специального устройства.  The seller requests the mobile phone number of the Buyer or reads it using a special device.
Продавец пробивает на кассовом аппарате чек с наименованиями продуктов, ценой, итоговой суммой, номером телефона Продавца и номером телефона Покупателя. Далее СМС-чек.  The seller punches on the cash register a check with the names of the products, price, total amount, phone number of the seller and the phone number of the buyer. Next is the SMS check.
Кассовый аппарат снабжен 3G модемом с SIM картой Продавца и устройством прямой передачи CMC-чека на сотовый телефон или иное устройство для мобильной связи Покупателя. На кассовом аппарате отражается текущий баланс на SIM карте Продавца. СМС-чек, пробитый продавцом, напрямую попадает в сотовый телефон или иное устройство мобильной связи Покупателя.  The cash register is equipped with a 3G modem with a Seller’s SIM card and a direct transfer device for the CMC-check to a mobile phone or other device for the Buyer's mobile communication. The cash register displays the current balance on the seller’s SIM card. An SMS check punched by the seller directly hits the Buyer's mobile phone or other mobile device.
Покупатель должен подтвердить платеж. Для этого ему необходимо просто подтвердить свою личность.  Buyer must confirm payment. To do this, he just needs to confirm his identity.
Подтверждение личности происходит следующим образом: Сотовый телефон (или иное средство для мобильной связи, например коммуникатор, КПК, смартфон и т.д.) Покупателя должен поддерживать функцию биометрического сканера радужной оболочки глаза и пальца руки человека.  Confirmation of identity is as follows: A cell phone (or other means of mobile communication, such as a communicator, PDA, smartphone, etc.) of the Buyer must support the function of a biometric scanner of the iris of the eye and finger of a person’s hand.
Покупатель подносит телефон к глазу и/или прикладывает к телефону палец (функцию сканера могут выполнять экран телефона, объектив встроенной камеры или отдельно встроенное устройство).  The buyer brings the phone to the eye and / or puts a finger on the phone (the phone screen, the lens of the built-in camera or a separate built-in device can perform the scanner function).
Сканер делает снимок радужной оболочки глаза и/или пальца руки и автоматически вставляет его в SMS сообщение с подтверждением платежа (для безопасности можно добавить еще и код подтверждения, который должен ввести сам Покупатель, но это увеличит длительность операции, ее лучше сделать дополнительной опцией). The scanner takes a picture of the iris and / or finger and automatically inserts it into an SMS message confirming payment (for security, you can also add a confirmation code, which the Buyer himself must enter, but this will increase the duration of the operation, it is better to make it an additional option).
С телефона Покупателя отправляется SMS сообщение, содержащее в себе CMC-чек и подтверждение платежа.  An SMS message containing a CMC check and a payment confirmation is sent from the Buyer's phone.
Сотовый оператор по номеру телефона Покупателя проверяет баланс на достаточность средств, для проведения операции и сверяет полученный снимок радужной оболочки глаза Покупателя с имеющимся снимком в базе данных (БД) Сотового оператора. Снимок заносится в БД при заключении договора на оказание услуг между сотовым оператором и Покупателем.  The mobile operator by the Buyer's phone number checks the balance for the adequacy of funds for the operation and compares the received image of the iris of the Buyer with the existing image in the database (database) of the Mobile operator. The picture is entered into the database upon conclusion of a service agreement between the mobile operator and the Buyer.
При нехватке средств на счету Покупателя и/или не совпадении снимка Покупателя с имеющимся снимком в базе данных (БД), Продавцу отправляет SMS сообщение о невозможности проведения операции.  If there is a lack of funds in the Buyer's account and / or the Buyer's picture does not coincide with the existing picture in the database (DB), the Seller will be sent an SMS message about the impossibility of the operation.
При достаточности средств на счету Покупателя и при совпадении снимка, Сотовый оператор производит списание средств со счета, закрепленного за сотовым номером Покупателя, и зачисление средств на счет, закрепленный за сотовым номером Продавца.  If there is sufficient funds in the Buyer's account and if the picture coincides, the Mobile Operator deducts funds from the account assigned to the Buyer's mobile number and credits funds to the account assigned to the Seller's mobile number.
Продавец видит зачисление суммы на кассовом аппарате, Покупатель получает SMS сообщение о списании суммы на свой сотовый телефон или иное мобильное устройство.  The seller sees the crediting of the amount on the cash register, the Buyer receives an SMS message about the debiting of the amount to his cell phone or other mobile device.
Сделка завершена. Продавец получает свои деньги, Покупатель получает свои товары.  The transaction is completed. The seller receives his money, the buyer receives his goods.
Данная схема расширит возможности использования сотовых телефонов. Ее можно адаптировать почти ко всем видам финансовых операций.  This scheme will expand the use of cell phones. It can be adapted to almost all types of financial transactions.
Схема позволит вовлечь в финансовые операции с использованием сотового телефона людей любого возраста и с любым уровнем технических знаний, а также хозяйствующие субъекты.  The scheme will allow involving in financial transactions using a cell phone people of any age and with any level of technical knowledge, as well as business entities.

Claims

ФОРМУЛА  FORMULA
Кассовый аппарат для системы мобильных платежей, содержащий средства ввода цифровых данных, связанные со средством записи цифровых данных, подключенным к сумматору, дисплей, отображающий информацию о стоимости товара и суммарной стоимости покупки, а также средство формирования файла чека и модем для связи с удаленным объектом, отличающийся тем, что снабжен, средством формирования коротких сообщений, связанным со средством формирования файла чека, а модем является 3G модемом с SIM. модем является 3G модемом с SIM- картой, при этом кассовый аппарат оборудован средствами ближней радиосвязи для непосредственной передачи короткого сообщения, содержащего сформированный чек, на находящееся вблизи от кассового аппарата средство мобильной связи. A cash register for a mobile payment system, comprising digital data input means associated with a digital data recorder connected to an adder, a display displaying information on the cost of goods and the total purchase price, as well as a means for generating a check file and a modem for communicating with a remote object, characterized in that it is equipped with means for generating short messages associated with means for generating a check file, and the modem is a 3G modem with SIM. the modem is a 3G modem with a SIM card, and the cash register is equipped with short-range radio communications for direct transmission of a short message containing the generated check to a mobile communication device located near the cash register.
PCT/RU2012/000129 2011-06-24 2012-02-24 Cash register for a mobile payment system WO2012177174A1 (en)

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Citations (2)

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