PAYMENT CONTAINER, METHOD FOR CREATING, METHOD FOR PROCESSING, CORRESPONDING DEVICES AND PROGRAMS

• US 20170004502A1
• Filed: 07/04/2016
• Published: 01/05/2017
• Est. Priority Date: 07/03/2015
• Status: Active Grant

• Current Assignee: Banks And Acquirers International Holding
• Original Assignee: Ingenico Group
• Inventors: QUENTIN, Pierre, DUCROCHET, Vincent, LEGER, Michel
• Granted Patent: US 10,997,602 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The technology relates to a method for creating a payment data structure called a payment container. The technology also relates to the use of such a payment container by means of a processing server. The method for creating is implemented by a communications terminal, and comprises: selection, by a user and via a man-machine interface, of at least one attribute of said container, comprising the selection of at least one attribute value for at least one of the following parameters: (a) category of beneficiary of the payment container and (b) beneficiary of the payment container. The method also comprises obtaining, by the communications terminal, of at least one piece of data representing a user'"'"'s bank card; validation, by the user, of the creation of the payment container; and transmission, by said communications terminal, of said payment container to a payment container processing server.

Claims

1. A method for creating a payment data structure called a payment container, the method for creating being implemented by a mobile communications terminal, said payment container comprising at least one piece of data representing a user'"'"'s bank identifier, said method comprising:

selection, by a user, via a man-machine interface, of at least one attribute of said container, said selection comprising selection of at least one attribute value for at least one of the following parameters;

category of beneficiary of the payment container;

beneficiary of the payment container;

obtaining, by the communications terminal, of at least one piece of data representing the user'"'"'s bank card;

validation, by the user, of the creation of the payment container;

transmission, by said communications terminal, of said payment container to a payment container processing server.

2. The method of claim 1, wherein obtaining, by the communications terminal, of at least one piece of data representing the user'"'"'s bank card comprises:

transmission, to said bank card and via a contactless data transmission interface, of a request for obtaining data in the form of a signal;

receiving a response to said request, in the form of a modulated signal;

decoding said modulated signal delivering said at least one piece of data.

3. The method of claim 1, wherein obtaining, by the communications terminal, of at least one piece of data representing the user'"'"'s bank card comprises:

activating a device for taking pictures of the communications terminal;

obtaining an image of the bank card by means of the device for taking pictures;

implementing a character recognition module, on the basis of the image of the bank card, delivering said at least one piece of data.

4. The method of claim 1, wherein the method further comprises determining, via said communications terminal, of a value representing an attribute of transmission of said payment container.

5. The method of claim 4, wherein the method further comprises, when the value representing the transmission attribute of said payment container is positive, determining, by said communications terminal, of a value representing an attribute of debit from said payment container.

6. The method of claim 1, wherein the method further comprises, prior to the selection of a container parameter:

activation, on the user'"'"'s communications terminal, of a module for managing the payment container;

selection, within this module, of a mode of operation called a container creation mode.

7. The method of claim 6, wherein the activation of the management module is accompanied by the authentication of said user to whom said communications terminal and said payment card belong.

8. The method of claim 1, wherein the selection by a user and via a man-machine interface of at least one attribute of said container comprises the selection of at least one attribute value for at least one of the following parameters:

date of validity of the payment container;

duration of validity of the payment container;

amount of the payment container.

10. The method of claim 1, wherein the method further comprises:

receiving data from the mobile communications terminal, comprising the identifier of the payment container;

obtaining a merchant'"'"'s identifier, possibly accompanied by a merchant category code when this code is not provided by the merchant;

depending on the identifier of the payment container, determining an identifier of a banking institution to which the payment container is attached;

depending on the banking identifier of the payment container, obtaining an authorization of payment, said obtaining an authorization of payment comprising verifying that at least one of said merchant'"'"'s identifier and merchant category code is among attributes values of the following parameters of said payment container;

category of beneficiary of the payment container, as for said merchant category code;

beneficiary of the payment container, as for said merchant'"'"'s identifier; and

when the authorization of payment is delivered, transmission to the merchant'"'"'s terminal, of a piece of date representing acceptance of the transaction.

11. The method of claim 10, wherein obtaining an authorization of payment comprises:

when the banking institution of the payment container is the same as the banking institution of the processing server;

obtaining attributes of the container;

verifying the balance remaining within the payment container;

when the balance remaining within the payment container is greater than the amount of the transaction;

verifying that none of the attributes of the payment container contradicts the data of the transaction;

when none of the payment attributes is infringed, issuing authorization of payment;

subtracting an amount of the transaction from the balance remaining within the payment container;

when the balance remaining within the payment container is smaller than the amount of the transaction, transmitting an absence of authorization.

12. The method of claim 11, wherein obtaining a payment authorization comprises:

when the banking institution of the payment container is different from the banking institution of the processing server;

identifying the processing server to which the transaction data must be transmitted;

transmitting data of the transaction to the processing server;

receiving authorisation or rejection of payment.

9. A device for the creation of a payment data structure called a payment container, said payment container comprising at least one piece of data representing a user'"'"'s bank identifier,

said device comprising at least one module configured to enable:

selection, by a user and via a man-machine interface, of at least one attribute of said container, said selection comprising the selection of at least one attribute value for at least one of the following parameters;

category of beneficiary of the payment container;

beneficiary of the payment container;

obtaining, by the communications terminal, of at least one piece of data representing the user'"'"'s bank card;

validation, by the user, of the creation of the payment container;

transmission, by said communications terminal, of said payment container to a payment-container processing server.