METHOD FOR CARRYING OUT A TRANSACTION, CORRESPONDING TERMINAL AND COMPUTER PROGRAM

• US 20150019433A1
• Filed: 07/11/2014
• Published: 01/15/2015
• Est. Priority Date: 07/11/2013
• Status: Active Grant

• Current Assignee: Banks And Acquirers International Holding
• Original Assignee: Ingenico (Ingenico Group SA)
• Inventors: Leger, Michel
• Granted Patent: US 11,907,918 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]

Abstract

A method is provided for carrying out a financial transaction. The method is implemented within a terminal of a user wishing to carry out a transaction with a merchant. The method includes: receiving a merchant'"'"'s identifier; receiving a piece of data representing a transaction amount; generating a transaction by using the user'"'"'s terminal to the benefit of the merchant; and transmitting the transaction to a transaction management server.

Claims

1. A method of carrying out a financial transaction, wherein the method is implemented within a terminal of a user wishing to carry out a transaction with a merchant, and wherein the method comprises the following acts performed by the terminal:

receiving a merchant'"'"'s identifier;

receiving a piece of data representing a transaction amount;

generating a transaction by using the user'"'"'s terminal for said merchant; and

transmitting said transaction (TF) from the user'"'"'s terminal to a transaction management server.

2. The method according to claim 1, wherein generating said transaction comprises entry, by said user, of at least one piece of data representing a personal securing identifier.

3. The method according to claim 1, wherein said method comprises, subsequently to the act of transmitting, a step for receiving a piece of data representing a validation of said transaction coming from a terminal of said merchant.

4. The method according to claim 1, wherein the act of receiving a merchant'"'"'s identifier comprises a phase of pairing with a terminal of said merchant comprising a step for obtaining said piece of data representing the merchant'"'"'s identifier.

5. The method according to claim 1, wherein the act of receiving a merchant'"'"'s identifier comprises a phase of reading a barcode comprising a piece of data representing the merchant'"'"'s identifier.

6. The method according to claim 1, for wherein the act of receiving a merchant'"'"'s identifier comprises receiving a piece of data representing the merchant'"'"'s identifier from a remote server.

7. The method according to claim 1, wherein the act of generating a transaction comprises:

creating a specific recording comprising said merchant'"'"'s identifier, said piece of data representing a transaction amount and a piece of data representing an identifier of the user;

encrypting said recording by using said terminal of said user, delivering said transaction.

8. A device for carrying out a financial transaction, device implemented within a user'"'"'s terminal, wherein the device comprises:

means for receiving a merchant'"'"'s identifier;

means for receiving a piece of data representing an amount of a transaction;

means for generating transaction, by means of using the user'"'"'s terminal, for said merchant; and

means for transmitting said transaction to a transaction management server.

9. A non-transmissible computer-readable medium comprising a computer program product stored thereon and executable by a processor of a terminal of a user wishing to carry out a transaction with a merchant, wherein the program product comprises program code instructions for executing a method for carrying out the transaction when the instructions are executed by the processor, wherein the instructions comprise:

instructions that configure the user'"'"'s terminal to receive a merchant'"'"'s identifier;

instructions that configure the user'"'"'s terminal to receive a piece of data representing a transaction amount;

instructions that configure the user'"'"'s terminal to generate a transaction by using the user'"'"'s terminal for said merchant; and

instructions that configure the user'"'"'s terminal to transmit said transaction from the user'"'"'s terminal to a transaction management server.

10. A method of processing transactional data by a transaction management server device connected to a communications network, the method comprising the following acts performed by the transaction management server device:

receiving a transaction from a user'"'"'s terminal, the transaction comprising a piece of data representing a merchant'"'"'s identifier, a piece of data representing a transaction amount and/or a piece of data representing an identifier of said user;

verifying the-validity of said transaction;

implementing a credit operation, on an account associated with said identifier of said merchant, as a function of said piece of data representing a transaction amount;

implementing a debit operation, on an account associated with said identifier of said user, as a function of said piece of data representing a transaction amount and;

transmitting an assertion of validation of said transaction to said merchant.

11. A device for processing transactional data, called a transaction management server, capable of being connected to a communications network, wherein the device comprises:

means for receiving a transaction from a user'"'"'s terminal, the transaction comprising a merchant'"'"'s identifier, a piece of data representing a transaction amount and/or a piece of data representing an identifier of said user;

means for verifying validity of said transaction;

means for implementing a credit operation, on an account associated with said identifier of said merchant, as a function of said piece of data representing a transaction amount;

means for implementing a debit operation, on an account associated with said identifier of said user, as a function of said piece of data representing a transaction amount; and

means for transmitting an assertion of validation of said transaction to said merchant.

12. A non-transmissible computer-readable medium comprising a computer stored thereon and executable by a processor of a transaction management server device that is connectable to a communications network, wherein the program product comprises program code instructions for executing a method for processing transactional data, when the instructions are executed by the processor, wherein the instructions comprise:

receiving a transaction from a user'"'"'s terminal, the transaction comprising a piece of data representing a merchant'"'"'s identifier, a piece of data representing a transaction amount and/or a piece of data representing an identifier of said user;

verifying validity of said transaction;

implementing a credit operation, on an account associated with said identifier of said merchant, as a function of said piece of data representing a transaction amount;

implementing a debit operation, on an account associated with said identifier of said user, as a function of said piece of data representing a transaction amount) and;

transmitting an assertion of validation of said transaction to said merchant.