Payment transaction method and payment transaction system

• US 10,108,939 B1
• Filed: 12/23/1999
• Issued: 10/23/2018
• Est. Priority Date: 12/23/1999
• Status: Expired due to Fees

• Current Assignee: Swisscom AG (Government of Switzerland)
• Original Assignee: Swisscom AG (Government of Switzerland)
• Inventors: Ritter, Rudolf, Schlegel, Georges
• Primary Examiner(s): Monfeldt, Sarah M
• Assistant Examiner(s): Sharvin, David P
• Application Number:
  US10/149,430
• Time in Patent Office: 6,879 Days
• Field of Search: 705 39, 705 40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/08 Payment architectures
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 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

Abstract

A payment transaction method between a customer with a portable mobile device and a service point includes determining, at a payment terminal of the service point, a total transaction amount to be paid and a transaction identification that is different from other transaction identifications used for other transactions and assigned to the total transaction amount. The method includes informing the customer about the total transaction amount and the transaction identification. The method includes transmitting, from the payment terminal, the total transaction amount and the transaction identification to a central transaction unit. The method includes transmitting, from the mobile device, the transaction identification without inclusion of the transaction amount to the central transaction unit. The method further includes transmitting from the central transaction unit a payment request including at least the total transaction amount to the mobile device.

Claims

1. A payment transaction method between a customer with a mobile device and a service point, the method comprising:

determining, at a payment terminal of the service point, a total transaction amount to be paid and a transaction identification assigned to the total transaction amount;

transmitting the total transaction amount and the transaction identification to the mobile device;

receiving, at the central transaction unit, the transaction identification from the mobile device via a communication network;

transmitting, from the payment terminal to the central transaction unit, the total transaction amount and the transaction identification via the communication network;

comparing, at the central transaction unit, the transaction identification received from the mobile device and the transaction identification received from the payment terminal;

sending a payment request from the central transaction unit to the mobile device after the transaction identifications are compared, wherein the payment request includes the transaction identification and the total transaction amount; and

receiving, at the central transaction unit, a payment record comprising the total transaction amount, the transaction identification and the mode of payment from the mobile device based on a selection of mode of payment by the customer.

2. The payment transaction method according to claim 1, wherein the payment record is prepared including a linking of the payment request for the customer comprising at least the total transaction amount to a customer identification for the customer, and the payment record is received at the central transaction unit from the mobile device via the communication network.

3. The payment transaction method according to claim 1, wherein, when determining the transaction identification, the payment terminal inserts a payment terminal identification, which payment terminal identification enables identification of a respective payment terminal from among a plurality of payment terminals present at the service point.

4. The payment transaction method according to claim 1, wherein, when determining the transaction identification, the payment terminal inserts a service point identification into the transaction identification, and the total transaction amount is credited to the service point identified through the service point identification.

5. The payment transaction method according to claim 1, wherein the customer accepts the transaction identification by operating elements of the mobile device after the transaction identification is received from the payment terminal via a contactless device interface.

6. The payment transaction method according to claim 1, wherein the customer authenticates himself/herself with a biometric feature at his/her mobile device before the transaction identification is transmitted to the central transaction unit.

7. The payment transaction method according to claim 1, wherein a solvency of the customer is checked at the central transaction unit.

8. A payment transaction system comprising:

a central transaction unit operable to communicate with one or more mobile devices and one or more payment terminals in at least one service point via a communication network;

wherein the one or more payment terminals is configured to;

determine a total transaction amount to be paid and a transaction identification assigned to the total transaction amount,

transmit the total transaction amount and the transaction identification to the central transaction unit, and

transmit the total transaction amount and the transaction identification to the one or more mobile devices;

wherein the central transaction unit is configured to;

receive the total transaction amount and the transaction identification from the one or more mobile devices;

compare the transaction identification received from the one or more mobile devices and the transaction identification received from the one or more payment terminals,

after the transaction identifications are compared, transmit a payment request to the one or more mobile devices comprising the transaction identification and the total transaction amount; and

receive a payment record from the one or more mobile devices,

wherein the payment record comprises the total transaction amount, the transaction identification, and a mode of payment selected by the customer.

9. The system according to claim 8, wherein the payment request is received from the one or more mobile devices over the communication network by a payment record module in the one or more mobile devices configured to prepare the payment record including a linking of the received payment request for the customer associated a customer identification for the customer.

10. The system according to claim 8, wherein the one or more payment terminals each include a transaction identification module configured to determine in each case the transaction identification for the respective payment transaction and insert in each case a payment terminal identification for the respective payment terminal into the transaction identification.

11. The system according to claim 8, wherein the one or more payment terminals each include a transaction identification module configured to determine in each case the transaction identification for the respective payment transaction and insert in each case a service point identification into the transaction identification, and the central transaction unit includes a crediting module configured to credit the service point, identified through the service point identification, the total transaction amount for the respective payment transaction.

12. The system according to claim 8, wherein the one or more payment terminals each include at least one transmitter of a contactless device interface, the one or more mobile devices each include at least one receiver for the contactless device interface, by which contactless device interface the transaction identification for the respective payment transaction is transmitted from a respective payment terminal directly to a respective mobile device, and the transaction response module includes means for receiving an acceptance command entered by the respective customer by operating elements of the respective mobile device and for receiving the transaction identification for the respective payment transaction corresponding to the acceptance command.

13. The system according to claim 8, wherein the one or more mobile devices each comprise an authentication module for receiving at least one biometric feature from the customer and authenticating the customer based on the received biometric feature.

14. The system according to claim 8, wherein the central transaction unit includes a solvency checking module configured to check a solvency of the customer.