ES2492590R1 - Method and system to enable contactless mobile ticketing / payments through an improved mobile phone application - Google Patents

Method and system to enable contactless mobile ticketing / payments through an improved mobile phone application Download PDF

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Publication number
ES2492590R1
ES2492590R1 ES201300230A ES201300230A ES2492590R1 ES 2492590 R1 ES2492590 R1 ES 2492590R1 ES 201300230 A ES201300230 A ES 201300230A ES 201300230 A ES201300230 A ES 201300230A ES 2492590 R1 ES2492590 R1 ES 2492590R1
Authority
ES
Spain
Prior art keywords
payments
credential
application
ticketing
mobile phone
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.)
Granted
Application number
ES201300230A
Other languages
Spanish (es)
Other versions
ES2492590B1 (en
ES2492590A2 (en
Inventor
Carlos Alberto Pérez Lafuente
Imanol GARCÍA MURGA
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bankinter SA
Seglan SL
Original Assignee
Bankinter SA
Seglan SL
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.)
Filing date
Publication date
Priority to ES201300230A priority Critical patent/ES2492590B1/en
Application filed by Bankinter SA, Seglan SL filed Critical Bankinter SA
Priority to CN201380043046.5A priority patent/CN104871189B/en
Priority to PE2015000237A priority patent/PE20150704A1/en
Priority to CA2882986A priority patent/CA2882986C/en
Priority to RU2015109902A priority patent/RU2651179C2/en
Priority to PE2016000050A priority patent/PE20160442A1/en
Priority to PCT/EP2013/066540 priority patent/WO2014029620A1/en
Priority to JP2015527844A priority patent/JP6711623B2/en
Priority to BR112015003152A priority patent/BR112015003152A2/en
Priority to US14/422,555 priority patent/US20150206129A1/en
Priority to MX2015002243A priority patent/MX366316B/en
Priority to EP13748010.9A priority patent/EP2888703A1/en
Priority to KR1020157005496A priority patent/KR20150046080A/en
Priority to CN201811627095.4A priority patent/CN110110515A/en
Publication of ES2492590A2 publication Critical patent/ES2492590A2/en
Publication of ES2492590R1 publication Critical patent/ES2492590R1/en
Priority to CL2015000413A priority patent/CL2015000413A1/en
Priority to ZA2015/01925A priority patent/ZA201501925B/en
Application granted granted Critical
Publication of ES2492590B1 publication Critical patent/ES2492590B1/en
Priority to US15/783,297 priority patent/US20180053179A1/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Telephone Function (AREA)
  • Facsimiles In General (AREA)

Abstract

Se describe un método para habilitar ticketing/pagos móviles sin contacto utilizando una aplicación de teléfono móvil, donde cada credencial preparada esta unívocamente asociada al teléfono móvil del usuario registrado y a un código de activación, y habilita parcialmente el teléfono para el acceso a ticketing sin contacto o para pagos móviles sin contacto; donde la habilitación requiere que el usuario inserte un número de identificación personal en la aplicación; y donde el módulo servidor de ticketing/pagos envía las credenciales al teléfono después de validar con éxito una OTP recibida desde la aplicación. Para el cálculo de una segunda parte de la credencial se puede utilizar el PIN del usuario, o bien el PIN junto con el valor de la transacción. Se utiliza al menos un subconjunto de la credencial, dicha credencial parcialmente calculada a través de la aplicación, para realizar un pago por internet.A method for enabling contactless mobile ticketing / payments using a mobile phone application is described, where each prepared credential is uniquely associated with the registered user's mobile phone and an activation code, and partially enables the phone for contactless contact marketing or for contactless mobile payments; where the authorization requires the user to insert a personal identification number into the application; and where the ticketing / payment server module sends the credentials to the phone after successfully validating an OTP received from the application. For the calculation of a second part of the credential you can use the user's PIN, or the PIN together with the value of the transaction. At least a subset of the credential, said credential partially calculated through the application, is used to make a payment online.

ES201300230A 2012-08-21 2013-03-06 Method and system to enable contactless mobile ticketing / payments through an improved mobile phone application Active ES2492590B1 (en)

Priority Applications (17)

Application Number Priority Date Filing Date Title
ES201300230A ES2492590B1 (en) 2013-03-06 2013-03-06 Method and system to enable contactless mobile ticketing / payments through an improved mobile phone application
EP13748010.9A EP2888703A1 (en) 2012-08-21 2013-08-07 Method and system to enable mobile contactless ticketing/payments via a mobile phone application
CA2882986A CA2882986C (en) 2012-08-21 2013-08-07 Method and system to enable mobile contactless ticketing/payments via a mobile phone application
RU2015109902A RU2651179C2 (en) 2012-08-21 2013-08-07 Method and system to enable mobile contactless ticketing/payments via mobile phone application
PE2016000050A PE20160442A1 (en) 2012-08-21 2013-08-07 METHOD AND SYSTEM TO ENABLE TICKETING / MOBILE PAYMENTS WITHOUT CONTACT THROUGH A MOBILE APPLICATION
PCT/EP2013/066540 WO2014029620A1 (en) 2012-08-21 2013-08-07 Method and system to enable mobile contactless ticketing/payments via a mobile phone application
JP2015527844A JP6711623B2 (en) 2012-08-21 2013-08-07 Method and system for enabling contactless ticketing/payment by mobile phone via a mobile phone application
BR112015003152A BR112015003152A2 (en) 2012-08-21 2013-08-07 method and system to activate contactless mobile ticketing / payments via a mobile phone app
US14/422,555 US20150206129A1 (en) 2012-08-21 2013-08-07 Method and System to Enable Mobile Contactless Ticketing/Payments Via a Mobile Phone Application
CN201811627095.4A CN110110515A (en) 2012-08-21 2013-08-07 The method and system of mobile contactless ticketing service/payment is realized by mobile phone application
CN201380043046.5A CN104871189B (en) 2012-08-21 2013-08-07 Method and system for mobile contactless ticketing/payment via mobile phone application
PE2015000237A PE20150704A1 (en) 2012-08-21 2013-08-07 METHOD AND SYSTEM TO ENABLE TICKETING / MOBILE PAYMENTS WITHOUT CONTACT THROUGH A MOBILE PHONE APPLICATION
MX2015002243A MX366316B (en) 2012-08-21 2013-08-07 Method and system to enable mobile contactless ticketing/payments via a mobile phone application.
KR1020157005496A KR20150046080A (en) 2012-08-21 2013-08-07 Method and system to enable mobile contactless ticketing/payments via a mobile phone application
CL2015000413A CL2015000413A1 (en) 2012-08-21 2015-02-20 Method and system to enable contactless mobile ticketing / payments through a mobile phone application
ZA2015/01925A ZA201501925B (en) 2012-08-21 2015-03-20 Method and system to enable mobile contactless ticketing/payments via a mobile phone application
US15/783,297 US20180053179A1 (en) 2012-08-21 2017-10-13 Method and System to Enable Mobile Contactless Ticketing/Payments Via a Mobile Phone Application

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ES201300230A ES2492590B1 (en) 2013-03-06 2013-03-06 Method and system to enable contactless mobile ticketing / payments through an improved mobile phone application

Publications (3)

Publication Number Publication Date
ES2492590A2 ES2492590A2 (en) 2014-09-09
ES2492590R1 true ES2492590R1 (en) 2014-10-06
ES2492590B1 ES2492590B1 (en) 2015-06-24

Family

ID=51455881

Family Applications (1)

Application Number Title Priority Date Filing Date
ES201300230A Active ES2492590B1 (en) 2012-08-21 2013-03-06 Method and system to enable contactless mobile ticketing / payments through an improved mobile phone application

Country Status (1)

Country Link
ES (1) ES2492590B1 (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080208681A1 (en) * 2006-09-28 2008-08-28 Ayman Hammad Payment using a mobile device
US20090104888A1 (en) * 2007-10-17 2009-04-23 First Data Corporation Onetime Passwords For Mobile Wallets
US20120240204A1 (en) * 2011-03-11 2012-09-20 Piyush Bhatnagar System, design and process for strong authentication using bidirectional OTP and out-of-band multichannel authentication
US8346672B1 (en) * 2012-04-10 2013-01-01 Accells Technologies (2009), Ltd. System and method for secure transaction process via mobile device

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080208681A1 (en) * 2006-09-28 2008-08-28 Ayman Hammad Payment using a mobile device
US20090104888A1 (en) * 2007-10-17 2009-04-23 First Data Corporation Onetime Passwords For Mobile Wallets
US20120240204A1 (en) * 2011-03-11 2012-09-20 Piyush Bhatnagar System, design and process for strong authentication using bidirectional OTP and out-of-band multichannel authentication
US8346672B1 (en) * 2012-04-10 2013-01-01 Accells Technologies (2009), Ltd. System and method for secure transaction process via mobile device

Also Published As

Publication number Publication date
ES2492590B1 (en) 2015-06-24
ES2492590A2 (en) 2014-09-09

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