Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q30/00—Commerce
  • G06Q30/06—Buying, selling or leasing transactions
  • G06Q30/0601—Electronic shopping [e-shopping]
  • G06Q30/0603—Catalogue creation or management

Definitions

• the invention relates to a payment method using the mobile telephone, and a payment system implementing said method.
• a payment system using the mobile phone to initiate or validate a payment transaction will be called thereafter a Mobile Payment System.
• Mobile phone within the meaning of the present patent application, mobile telephone means any portable electronic device having at least a microprocessor, a memory, a display device and can connect to a telephone network digital wireless (including GSM, CDMA, UMTS, etc.)
• a telephone network digital wireless including GSM, CDMA, UMTS, etc.
• Means of Payment This is a means associated with an account containing monetary values (currencies) or other securities that may, according to certain rules, be exchanged for monetary values or goods and services (eg miles, loyalty points, etc.). This means makes it possible to carry out debit and credit operations on the account with which it is associated.
• Possible Payment Method it is a Compatible Payment Method allowing, for a given transaction, the effective realization of a payment from a payer to a receiver, that is to say a Compatible Payment Method whose usage parameters determined by the Payor and Receiver Profiles are also compatible for the particular transaction.
• Mobile Payment Service this is a service offered by a Mobile Payment Operator with a system allowing subscribers to the Service to make payments using their Mobile Phone.
• Mobile Payment Operator An organization offering the Mobile Payment Service to its subscribers or customers.
• Mobile Payment System This system is managed by a Mobile Payment Operator and allows the Mobile Payment Operator to offer its subscribers a Mobile Payment Service.
• Profile of a subscriber to the Service (whether it is a payer or a receiver of payments): it is the list of the means of payment registered by the subscriber, with for each means of payment the definition of the conditions and parameters of use, such as in particular the possibility for each Payment Method to operate in debit or credit, or the minimum and maximum acceptable amount for transactions. Some of these parameters are defined by the users, others, such as the cost of using the means of payment, the time of execution of a transaction, etc., which can be filled in by the operator to help the user. in the choice of an appropriate means of payment for the proposed transaction.
• Mobile Payment Program executable program on a Mobile Phone or SIM card, provided by the Mobile Payment Operator, usually downloaded by the subscriber, and allowing him to use the Mobile Payment Service.
• a Mobile Payment System may manage a mobile account dedicated to payment transactions, and the payment is then made by debiting the account the payer and the receiver's account credit.
• the system will simply transmit to another entity a payment order.
• This can be a credit or debit card payment agency, as these cards are currently very popular.
• the system will trigger a transfer order from the payer's bank account to a receiver's bank account.
• a Mobile Payment System user is forced to use the system's inherent debit mode and is not able to choose his preferred mode of debit according to the type of payment. transaction that he realizes. This limits the means of payment available to the user at any moment, and makes the evolution of the payment system difficult and even impossible. the enrichment of the means of payment accepted.
• known mobile payment systems will allow the user to perform certain mobile transactions at merchants who are affiliated with the particular mobile payment system, but not at other merchants.
• the user will be required to carry both his mobile phone to perform certain transactions, and other means of payment (credit cards, check books, meal vouchers, etc.), to perform other transactions, those not allowed by the Mobile Payment System according to the state of the art.
• the user will also be obliged to know or have with him all the identification codes associated with his means of payment, such as the PIN codes of the bank cards he wishes to use.
• An object of the invention is therefore to provide a Mobile Payment System, and an associated payment method, which overcomes the disadvantages of known mobile payment systems and methods.
• Another object of the invention is to propose a Mobile Payment System and Method which is flexible and scalable, and which allows the operator of the Mobile Payment System to gradually add new payment means to the range of means of payment. payment that can be used by the system.
• Another object of the invention is to enable the users of the Mobile Payment System to use an increasing number, or even all of their means of payment, through their only mobile phone, without the need to carry with them a plurality or all of their means of payment.
• the invention proposes a method of Mobile Payment between a payer and a receiver using a Mobile Payment System running a Mobile Payment Program, and in which each user uses a plurality of payment methods, the orders of payment being made via the mobile telephone of the user and the mobile telephone network, characterized in that it comprises, for each user, the steps of: - prior to the first payment transaction, register with the Mobile Payment System a user profile indicating the means of payment likely to be used by the user; and for each payment transaction, compare the list of available payment methods for the payment recipient, and the list of available payment methods for the payer, and deduce the list of the possible payment methods to complete the payment transaction.
• the step of registering the means of payment with the Mobile Payment System comprises the recording of a set of usage parameters related to each payment method that may be used by a user of the Payment System.
• the usage parameters associated with each payment method comprise the capacity of each Payment Method to operate in Debit and / or Credit, and / or the minimum amount and / or the maximum amount eligible for each means of payment.
• Payment One or more of the usage parameters of each Payment Method can be defined by the user, and the others Usage settings for each Payment Method are set by the Mobile Payment Operator.
• the Payment Method includes, at each payment transaction, a step of proposing to the payer to select a particular Payment Method from the list of Possible Means of Payment generated by the Mobile Payment System, followed by a step of validation of the selection made by the payer, of a particular means of payment.
• the Mobile Payment Method further comprises, during each payment transaction, a step of validating and confirming using the Payor's Mobile Phone, the request to execute the transaction with the particular Payment Method selected;
• the Payment System in order to determine the list of Possible Means of Payment for performing the current payment transaction, the Payment System retains among the list of Means of Payment that may be used by the payer, those who have parameters of use (Debit, Credit, Amount) compatible with the Means of Payment likely to be used by the receiver of the payment.
• the invention also relates to a Mobile Payment System comprising, on the one hand, a transaction platform and, on the other hand, a plurality of mobile telephones capable of communicating with the transaction platform via the mobile telephone network, in which each Mobile Payment System user uses one or more payment means associated with accounts containing monetary values, characterized in that the transaction platform comprises on the one hand storage means capable of storing data identifying the users and the means of payment likely to be used by each user of the Mobile Payment System, and on the other hand includes processing means for determining when each payment transaction, the list of Possible Payment Methods for that transaction, and to propose it to the requestor of the transaction;
• the Mobile Payment Program is loaded into each Mobile Phone. It is able to communicate with the transaction platform in order to validate the payment transaction with one of the possible payment methods offered by the transaction platform.
• the data storage means comprise a memory associated with a database, and the stored data include on the one hand the list of payment methods likely to be used by the users, and on the other hand a set of usage settings related to each Payment Method.
• the processing means consist of a transaction processor associated with a system software capable of comparing, during each payment transaction, the list and the parameters of use of the means of payment authorized by the recipient of the payment, and the list and the parameters of the means of payment authorized by the payer, and to deduce the list of Possible Means of Payment for this transaction.
• the invention provides that the mobile payment program of each mobile phone includes means for displaying the list of the possible means of payment offered by the transaction platform, and means for validate the payment transaction with one of the possible payment methods in the list.
• the transaction platform comprises a download server able to send the Mobile Payment Program to the Mobile Phone of the users.
• the Mobile Payment Program is then downloaded to the mobile phone's memory or to a memory located in the SIM card.
• the Mobile Payment System comprises at least one communication interface capable of communicating, on the one hand, with the mobile telephones of the users according to the different communication protocols used by them, and on the other hand with a message processor able to put shaped the messages and commands from the Mobile Phones of the users to be interpreted by the transaction processor.
• the transaction platform comprises a crypto-processor connected between the transaction processor and the database stored in the memory, in order to encrypt the data exchanged between the database and the transaction processor.
• FIG. 1 is a flowchart illustrating the preparatory steps of the Mobile Payment Method according to the invention, in particular the step of registering a user
• FIG. 2 is a flowchart illustrating the steps of the processing of a Transfer Order by the Payment Program according to the invention
• FIG. 3 is a flowchart illustrating the steps of the processing of a Payment Request by the Mobile Payment Program according to the invention
• Figure 4 schematically illustrates the functional blocks of an embodiment of a Mobile Payment System according to the invention, for implementing the Mobile Payment Program.
• the user who has an identifier (typically a number with 9 digits or more) with the Mobile Payment System, records at first on the System his Profile and Payment Methods that he will wish to be able to use to carry out mobile transactions.
• the registration can be done in several ways, either directly online on the website of the Operator of the Mobile Payment Service, or in an agency of the Operator, or from his mobile phone, or from a distributor tickets or a dedicated kiosk for this purpose.
• the user accesses the Registration Server 11 via the network interface 13, Internet-based interface type, and provides personal data necessary for registration as well as those relating to its means of payment, these data being taken into account and recorded by the Mobile Payment System at the level of
• Registration server 11 connected to the network.
• Mobile Phone an executable program (Mobile Payment Program). It is this program that will allow him to make payments by using each transaction the means of payment of his choice, as described below.
• This program also contains, in parameters, the information relating to the means of payment registered by the user of the Mobile Payment Service. These parameters can be updated at any time by the user or even automatically.
• a download request is transmitted via the Mobile Phone 15 of the user to the Download Server 17.
• the latter requests the Security Server 19 to generate the keys and security codes for the Mobile Payment Program.
• the Download Server 17 customizes the Mobile Payment Program of the user considering the data provided by the latter and the keys and security codes generated by the Security Server.
• the Download Server 17 transmits the Internet URL address to which the Mobile Payment Program is available, to the Mobile Phone 15 of the user, in particular via SMS type message (Short Message Service in English terminology). Saxon), or via any other messaging system (Push WAP ).
• SMS type message Short Message Service in English terminology. Saxon
• Push WAP any other messaging system
• the Download Server 17 performs download of the Mobile Payment Program on the Mobile Phone 15 of the user.
• the Download Server 17 notifies the Registration Server 11 that the download is complete.
• the Registration Server 11 delivers to the user, on the WEB site 13, an activation code of the Mobile Payment Program.
• the Mobile Payment Service Operator may download directly a version of the program adapted to the SIM card, directly in the SIM card of the user.
• the Mobile Payment Method could also be without a step of loading a Mobile Payment Program in Mobile Phones, provided that they have a browser to make a connection type "http" or more preferably "https" (via WAP, i-mode or other ...) with the Mobile Payment System.
• the Mobile Phones are transparent and behave like neutral terminals allowing to simply display information sent by the platform of the Mobile Payment System, and to send orders or data to the platform of the Mobile Payment System for to be executed.
• Payment transactions can generally be grouped into two broad categories: A- Payments initiated by the Payor, to a Receiver; they will be called "Transfers";
• the Mobile Payment method according to the invention has common characteristics that are used regardless of the type of transaction, including transfer or payment request.
• the principle of the Mobile Payment Method according to the invention consists in comparing the profile of the receiver
• the payer typically the customer
• the means of payment Possible for the proposed transaction ie those that the payer may actually use to make the intended payment.
• the Mobile Payment System compares the parameters associated with the Compatible Payment Methods, to make a new selection: those that can operate in debit for the payer and in credit for the receiver.
• the application asks 26 to the user to enter the amount to be transferred and the recipient or recipient of the sum.
• the user enters in 28 an amount on his mobile phone, for example 55,00 Euro, as well as the identifier of the recipient of the transfer.
• This entry triggers the sending in 30 by the Mobile Payment Program of a request to the Mobile Payment System so that it suggests to the user a choice of Payment Methods usable to carry out his transfer.
• the Mobile Payment Program of a request to the Mobile Payment System so that it suggests to the user a choice of Payment Methods usable to carry out his transfer.
• the mobile Payment Program of a request to the Mobile Payment System so that it suggests to the user a choice of Payment Methods usable to carry out his transfer.
• the latter selects in 32 among the payment methods available from the payer, those that are compatible with the means of payment of the receiver for the intended transfer.
• the payer selects at 38 for example 1 (Electronic Wallet), and possibly enters a comment that will accompany his Transfer. Then he validates, and the application asks him to enter his PIN to make sure that it is the legal user of the Mobile Phone that initiates the Transfer. This last operation has the effect of sending in 40 the transfer order to the Mobile Payment System. 5- The Mobile Payment System then executes in 42 the Transfer transaction, debiting the Payor's Electronic (Operator-Managed) Wallet and crediting the Receiver's, the net amount of the transaction.
• 1 Electronic Wallet
• the system would have sent a message to the payer suggesting one (or more) possible means of payment or in the absence of a Possible Payment Method, it would notify the payer of the impossibility of carrying out the transaction.
• the merchant who accepts this method of payment has therefore registered his Preferred Means of Payment in his Profile, for example the Means of Payment as listed in Table 2 below:
• the merchant will be able to choose, by default to define the means of payment (from his profile) that he accepts from his customers, or to define for some transactions the means of payment he accepts from his customers.
• the merchant has chosen to accept by default all the payment methods mentioned in his profile. On its payment terminal with the Mobile Payment Program it will proceed as follows: 1- II selects in 20 the Mobile Payment program;
• the payer selects in 38 the possible means of payment (electronic wallet or check meal) that he wishes to make this transaction, then he validates his choice and enters his PIN. This last operation has the effect of sending in 54 to the Mobile Payment System the payment authorization with the payment method selected by the payer (here the Check Meal).
• the Mobile Payment System will then trigger in 56 with the Cheque Meal Manager a payment process of 45.00 € in favor of the merchant "The good Gîte" by debiting the account of the user identified by his number 674 235 898 This payment process is in line with that already known in the state of the art and does not require a detailed description.
• FIG. 4 shows a schematic view of the entire Mobile Payment System 21 according to the invention, with its main components.
• the mode of described embodiment is one where a Mobile Payment Program is loaded into each Mobile Phone.
• the Mobile Payment System 21 comprises a transaction platform 23 which is connected on the one hand to a series of communication interfaces 13a, 13b, 13c, 13d which allow the exchange via the mobile telephone network and / or the internet. , data and instructions with the users, whether payers or receivers of the amounts that are subject to payments, and on the other hand to a series of payment interfaces 25a, 25b, 25c, 25d which allow to exchange data and instructions with the payment operators, who are responsible for carrying out the actual transactions with the means of payment used by each transaction.
• These payment interfaces 25 are already known and include, for example, an interface 25b with a debit / credit card management organization, such as the point of entry to the transaction management organization using the VISA, MasterCard or other.
• the communication interfaces 13 make it possible to offer several types of communication or telecommunications channels with the users according to the equipment of the latter.
• an internet interface 13a allows users to connect via the WEB to the transaction platform 23.
• This channel will be mainly used by fixed users such as merchants.
• the other known communication interfaces typically correspond to communication channels (WAP, SMSC, USSD or others) which will be advantageously used by mobile users.
• the different communication interfaces 13 are connected on the side of the transaction platform 23, to a message processor 27, whose function is to format the messages exchanged with mobile phones users, to support the various communication protocols used by them.
• the message processor 27 is connected to a download server 17, which, as explained above, makes it possible to send mobile phones 15 users, the elements that will allow the download of the Mobile Payment Program, to the mobile phones. subscribers or customers.
• the message processor 27 is further connected to a transaction processor 29 which is at the heart of the transaction platform 23 and which executes the transactions requested by the users and formatted by the message processor 27.
• the processor of transactions 29 executes a system processing algorithm installed on board.
• This program comes in particular read in the memory 31, the information it needs to perform a transaction requested by a user.
• it manages the exchange of information with users, in connection with the Mobile Payment Program that runs on mobile phones and manages the menus offered to users.
• the transaction processor 29 compares the payment methods available on the side of a payer and on the side of a receiver who are applicants for a payment transaction.
• the transaction processor 29 determines the Payment Methods of the Payor and the Receiver, and establishes the list of the Possible Means of Payment for a given transaction, according to its characteristics (debit, credit). and its amount and / or other parameters. Then it sends the list of the Possible Payment Methods to the requesting user, which will allow the Mobile Payment Program to trigger on the screen of the Mobile Phone of the user, the display of the list of Possible Payment Methods and the request for choice of a Payment Method among the Possibles. Depending on the response of the user, the transaction processor 29 transmits to the payment interfaces 25, the execution instructions of the different transfers and payment requests validated by the payers.
• the transaction platform 23 also includes a memory 31 in which a database is installed, which receives all the data necessary for the operation of the system, and in particular the identification information. Users, and information on the means of payment declared by each user, such as the operating parameters (debit, credit, minimum and maximum amounts) of each means of payment.
• computer security means are provided to secure access to the memory 31 and the database information that can be encrypted. These means take for example the form of a crypto-processor 33 which will encrypt the data to be written in the memory 31 by means of an appropriate encryption algorithm, and decrypt them when the transaction processor 29 needs to access certain data to execute a transaction.
• the cryptoprocessor 33 will also be advantageously used on the one hand to encrypt messages sent to users and decrypt messages received from the same users.
• the encryption and decryption are performed on the crypto-processor 33 using the algorithm chosen by the Mobile Payment Operator and keys stored securely in a security module HSM (Hardware Security Module) 35.
• HSM Hard Security Module
• back-office subsystem 37 which is a management subsystem that will allow the manager to follow the evolution of the system, to update it, to enter information , to provide reports (statistics, billing, accounting elements, etc.).
• the Mobile Payment System offers a range of unlimited and scalable means of payment. To broaden the range of transaction possibilities, it is sufficient to add authorized means of payment and their operating parameters, to the Mobile Payment System database, and to update the Mobile Payment Programs installed. in Mobile Phones users. This kind of update is easy to implement, telecommunication operators who are used to updating, especially over the air, the data or programs in the memories of .SIM cards, for their telecommunications applications.
• Another significant advantage of the Mobile Payment System according to the invention consists, from the point of view of each user with his Mobile Phone, the fact that it becomes useless both to move having all of its Means of payment (checkbook, various credit, debit or payment cards) on oneself, and to know by heart all the identification and security codes associated with the various means of payment. Indeed, thanks to the invention and in particular the step of registering a user and its means of payment and associated parameters, all the information to make payment transactions using the Mobile Phone will be recorded in the Mobile Payment System.
• the user can use all the Registered Payment Methods, such as his VISA card, AMEX, MASTERCARD or others, taking with him only his Mobile Phone.

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• 2006
  • 2006-08-18 FR FR0607378A patent/FR2905021B1/fr not_active Expired - Fee Related
• 2007
  • 2007-08-07 EP EP07823404A patent/EP2080160A1/de not_active Ceased
  • 2007-08-07 WO PCT/FR2007/001352 patent/WO2008020123A1/fr not_active Ceased

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