Method and devices for inter-terminal payments

• US 20030028484A1
• Filed: 07/23/2002
• Published: 02/06/2003
• Est. Priority Date: 08/03/2001
• Status: Active Grant

• Current Assignee: Telefonaktiebolaget LM Ericsson
• Original Assignee: Telefonaktiebolaget LM Ericsson
• Inventors: Boylan, Cornelius, Keller, Ralf, Zavagli, Guido
• Granted Patent: US 9,152,965 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

A method for inter-terminal payment and corresponding devices and computer programs loadable into said devices is disclosed. The method comprises a transfer of financial value from a payment device of a payer (PDPr) to a payment device of a payee (PDPe) with the assistance and the supervision of a trusted third party (TTP). Payment relevant data of the payee is transmitted to the payment device of the payer (PDPr) which triggers the transaction of financial value at the trusted third party (TTP) by a message. The trusted third party (TTP) releases a payment confirmation for the payer and the payee providing a status information on the financial transaction for the payer and the payee, respectively, and sends this information in a confirmation transmission procedure to the payment device of the payer (PDPr) and the payment device of the payee (PDPe), respectively.

Claims

1. A method for transferring financial value from a payer to a payee, wherein a payment device of the payer contacts a trusted third party for activating a payment transaction of the financial value and the trusted third party provides a payment confirmation for the payer comprising the status of the payment transaction for the payer as well as a payment confirmation for the payee comprising the status of the payment transaction for the payee, wherein the following steps are performed:

generation of a payee information message by a payment device of the payee with the payee information message comprising payment relevant data of the payee;

transmission of the payee information message to the payment device of the payer;

generation of a payment initialisation message by the payment device of the payer with the payment initialisation message comprising payment relevant data of the payer and the payee for activating the payment transaction at the trusted third party;

transmission of the payment initialisation message to the trusted third party;

processing of the payment initialisation message and execution of the payment transaction of the financial value from an account of the payer to an account of the payee by the trusted third party;

generation of the payment confirmation for the payer and the payment confirmation for the payee by the trusted third party;

execution of a confirmation transmission procedure, wherein the payment confirmation for the payer is transmitted to the payment device of the payer and the payment confirmation for the payee is transmitted to the payment device of the payee.

2. The method according to claim 1, wherein the confirmation transmission procedure is characterised in that the following steps are performed:

generation of a combined payment confirmation message by the trusted third party with the combined payment confirmation message comprising the payment confirmation for the payer and the payment confirmation for the payee;

transmission of the combined payment confirmation message to the payment device of the payer;

processing of the combined payment confirmation message by the payment device of the payer and extraction of the payment confirmation for the payer;

generation of an indirect payment confirmation message for the payee by the payment device of the payer with the indirect payment confirmation message for the payee comprising the payment confirmation for the payee;

transmission of the indirect payment confirmation message for the payee to the payment device of the payee;

processing of the indirect payment confirmation message for the payee by the payment device of the payee and extraction of the payment confirmation for the payee.

3. The method according to claim 2, wherein the combined payment confirmation message comprises the payment confirmation for the payer concatenated with the payment confirmation for the payee and a hashing digest of the concatenation.

4. The method according to claim 1, wherein the confirmation transmission procedure comprises the following steps:

generation of a payment confirmation message for the payer by the trusted third party with the payment confirmation message for the payer comprising the payment confirmation for the payer;

transmission of the payment confirmation message for the payer to the payment device of the payer;

processing of the payment confirmation message for the payer and extraction of the payment confirmation for the payer;

generation of a direct payment confirmation message for the payee by the trusted third party with the direct payment confirmation message for the payee comprising the payment confirmation for the payee;

transmission of the direct payment confirmation message for the payee to the payment device of the payee;

processing of the direct payment confirmation message for the payee and extraction of the payment confirmation for the payee.

5. The method according to claim 1, characterised in that the payment initialisation message complies with the Home Banking Computer Interface (HBCI) standard or the Open Finance Exchange (OFX) standard or the Interactive Financial Exchange (IFX) standard.

6. The method according to claim 1, wherein an encryption or signature is applied to at least one of the messages or confirmations.

7. The method according to claim 1, characterised in that at least one of the messages is sent over a mobile communication system.

8. The method according to any of the claims 1, characterised in that at least one of the messages is sent over an InfraRed (IR) link or a Bluetooth link.

9. The method according to claim 1, wherein the payment confirmation for the payer or the payment confirmation for the payee comprises a status information from a group indicating an

erroneous payment transaction, or a

successful payment transaction, or a

further processing of the payment transaction.

10. A payment device especially for a payer, comprising a transmitter for sending messages;

a receiver for receiving messages;

a processing unit for processing of information and messages, wherein the receiver is adapted to receive a payee information message comprising payment relevant data of a payee;

the processing unit is adapted to perform a generation of a payment initialisation message comprising payment relevant data of the payer and the payee for activating a payment transaction;

the transmitter is adapted to send the payment initialisation message to a trusted third party;

the receiver is adapted to receive a confirmation message comprising a payment confirmation for the payer indicating the status of the payment transaction for the payer; and

the processing unit is adapted to perform an extraction of the payment confirmation for the payer from that confirmation message.

11. The payment device according to claim 10, wherein the confirmation message comprises a payment confirmation for the payee indicating the status of the payment transaction for the payee;

the processing unit is adapted to perform a generation of an indirect payment confirmation message for the payee comprising the payment confirmation for the payee;

the transmitter is adapted to send the indirect payment confirmation message for the payee to the payment device of the payee.

12. The payment device according to claim 10, wherein the processing unit is adapted to generate the payment initialisation message complying with the Home Banking Computer Interface (HBCI) standard or the Open Finance Exchange (OFX) standard or the Interactive Financial Exchange (IFX) standard.

13. The payment device according to claim 10, wherein the processing unit is adapted to analyse a hashing digest of a concatenation of the payment confirmation for the payer and the payment confirmation for the payee.

14. The payment device according to claim 10, wherein the processing unit is adapted to apply an encryption or signature to at least one message or confirmation or to process encrypted or signed messages or confirmations.

15. The payment device according to claim 10, characterised in that the payment device is a terminal of a mobile communication system.

16. The payment device according to claim 10, characterised in that the payment device is adapted to send or receive InfraRed (IR) or Bluetooth messages.

17. A payment device especially for the payee, comprising a transmitter for sending messages;

a receiver for receiving messages;

a processing unit for processing of information and messages;

wherein the processing unit is adapted to perform a generation of a payee information message comprising payment relevant data of the payee;

the transmitter is adapted to send the payee information message to a payment device of a payer;

the receiver is adapted to receive a confirmation message comprising a payment confirmation for the payee indicating a status of the payment transaction for the payee; and

the processing unit is adapted to perform an extraction of the payment confirmation for the payee from that confirmation message.

18. The payment device according to claim 17, wherein the processing unit is adapted to analyse a hashing digest of a concatenation of a payment confirmation for the payer and the payment confirmation for the payee.

19. The payment device according to claim 17, wherein the processing unit is adapted to apply an encryption or signature to at least one message or confirmation or to process encrypted or signed messages or confirmations.

20. The payment device according to claim 17, characterised in that the payment device is a terminal of a mobile communication system.

21. The payment device according to claim 17, characterised in that the payment device is adapted to send or receive InfraRed (IR) or Bluetooth messages.

22. A trusted third party comprising a transmitting unit adapted to send messages;

a receiving unit adapted to receive messages;

a processing unit adapted to process information and messages; and

a unit for financial transactions adapted to execute a transaction of financial value from an account of a payer to an account of a payee;

wherein the receiving unit is adapted to receive a payment initialisation message comprising payment relevant data of the payer and the payee;

the processing unit is adapted to process the payment initialisation message and to activate the execution of the payment transaction according to the payment initialisation message by the unit for financial transactions;

the processing unit is adapted to generate a payment confirmation for the payer indicating a status information of the payment transaction for the payer and a payment confirmation for the payee indicating a status information of the payment transaction for the payee;

the processing unit is adapted to integrate the payment confirmations into a combined payment confirmation message; and

the transmitting unit is adapted to send the combined payment confirmation message to a payment device of the payer.

23. The trusted third party according to claim 22, wherein the processing unit is adapted to concatenate the payment confirmation for the payer with the payment confirmation for the payee;

to generate a hashing digest of the concatenation; and

to perform the generation of the combined payment confirmation message comprising the concatenation and the hashing digest.

24. The trusted third party according to claim 22, wherein the processing unit is adapted to process the payment initialisation message complying with the Home Banking Computer Interface (HBCI) standard or the Open Finance Exchange (OFX) standard or the Interactive Financial Exchange (IFX) standard.

25. The trusted third party according to claim 22, wherein the processing unit is adapted to apply an encryption or signature to at least one message or confirmation or to process encrypted or signed messages or confirmations.

26. The trusted third party according to claim 22, wherein the trusted third party is connectable to a core network of a mobile communication system.

27. A computer program loadable into a processing unit of a payment device especially of a payer, wherein the computer program is adapted to execute the steps of analysing a payee information message comprising payment relevant data of a payee;

generation of a payment initialisation message comprising payment relevant data of the payer and the payee for activating a payment transaction at a trusted third party; and

extraction of a payment confirmation for the payer from a confirmation message with the payment confirmation for the payer indicating a status information of the payment transaction for the payer.

28. The computer program according to claim 27 adapted to execute a generation of an indirect payment confirmation message for the payee from the confirmation message with the indirect payment confirmation message for the payee comprising a payment confirmation for the payee indicating a status information of the payment transaction for the payee.

29. The computer program according to claim 27, wherein the computer program is stored on a computer-readable medium.

30. A computer program loadable into a processing unit of a payment device especially of a payee, wherein the computer program is adapted to execute a generation of a payee information message comprising payment relevant data of the payee and an extraction of a payment confirmation for the payee from a confirmation message with the payment confirmation for the payee indicating a status information of a payment transaction for the payee.

31. The computer program according to claim 30, wherein the computer program is stored on a computer-readable medium.

32. A computer program loadable into a processing unit especially of a trusted third party, wherein the computer program is adapted to perform the steps of processing a payment initialisation message comprising payment relevant data of a payer and a payee;

activating the execution of a payment transaction from an account of the payer to an account of the payee at a unit for financial transactions;

generation of a payment confirmation for the payer indicating a status information of the payment transaction for the payer and a payment confirmation for the payee indicating a status information of the payment transaction for the payee; and

integration of the payment confirmations into a combined payment confirmation message.

33. The computer program according to claim 32, wherein the computer program is stored on a computer-readable medium.