Payment transaction method and payment transaction system

• US 6,934,689 B1
• Filed: 10/25/1999
• Issued: 08/23/2005
• Est. Priority Date: 10/25/1999
• Status: Expired due to Term

• Current Assignee: Swisscom AG (Government of Switzerland)
• Original Assignee: Swisscom Mobile AG (Government of Switzerland)
• Inventors: Ritter, Rudolf, Lauper, Eric
• Primary Examiner(s): McClellan, James S.
• Application Number:
  US09/701,288
• Time in Patent Office: 2,129 Days
• Field of Search: 705/16, 705/17, 235/380, 379/55.1, 379/56.3, 455/556
• US Class Current: 705/17
• 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 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Payment transaction method and payment transaction system in which payment transactions between customers with portable mobile devices, for example mobile radio telephones, and a plurality of payment terminals are carried out at a service point, the payment terminal responsible for a payment transaction informing a respective customer about the total transaction amount and the transaction identification of the payment transaction, the transaction identification comprising a payment terminal identification, the mobile device transmitting, via a contactless device interface, the transaction identification, entered in the mobile device by the customer, to the payment terminal, identified through the payment terminal identification, the payment terminal transmitting, after receipt of the transaction identification, a payment request comprising a service point identification, the payment terminal identification and the total transaction amount, via the contactless device interface to the mobile device, and a payment record which comprises the payment request and a customer identification, being prepared in the mobile device and being transmitted from the mobile device via the contactless device interface to the payment terminal.

Claims

1. Payment transaction method for conducting a payment transaction between a customer with a portable mobile device and a service point, comprising:

determining a total transaction amount to be paid and a transaction identification assigned to the total transaction amount at a payment terminal of the service point, wherein the transaction identification includes a payment terminal identification identifying the respective payment terminal from a plurality of payment terminals existing at the service point;

informing the customer about the total transaction amount and the transaction identification;

entering the transaction identification into the mobile device;

extracting the payment terminal identification from the transaction identification;

transmitting by the mobile device, via a first contactless device interface, the transaction identification directly to the payment terminal based on the payment terminal identification;

transmitting by the payment terminal, after receipt of the transaction identification, a payment request including a service point identification, the payment terminal identification, and the total transaction amount, via a second contactless device interface directly to the mobile device; and

accepting the payment transaction based on the payment request by,

preparing a payment record in the mobile device, the payment record including a linking of the payment request to a customer identification of the customer, and

transmitting the payment record from the mobile device via the first contactless device interface directly to the payment terminal.

2. Payment transaction method according to claim 1, wherein,

during the transmission of the transaction identification from the mobile device to the payment terminal, a sender identification is co-transmitted, and

the payment terminal transmits the payment request to the mobile device based on the sender identification.

3. Payment transaction method according to claim 1, wherein the payment terminal increases a transmitting power of the second contactless device interface at least once, and transmits the payment request with the increased transmitting power to the mobile device if the payment terminal has not received any payment record from the mobile device within a predefined time period from the transmission of the payment request without power increase to the mobile device.

4. Payment transaction method according to claim 1, wherein in the mobile device data regarding a type of payment is added to the payment record before transmission of the payment record to the payment terminal.

5. Payment transaction method according to claim 1, wherein the customer is identified at the mobile device with a biometric feature before entering of the transaction identification.

18. The method of claim 1, wherein the entering includes using operating elements of the mobile device to manually enter the transaction identification into the mobile device.

19. The method of claim 1, wherein the entering includes receiving the transaction identification directly from the second contactless device interface by the first contactless device interface.

22. The method of claim 1, wherein prior to the preparing of the payment record, the payment request is displayed on a display of the mobile device and payment is enabled by the customer.

6. Payment transaction system comprising:

a plurality of portable mobile devices; and

a plurality of payment terminals at a service point, wherein,

each of the mobile devices and the payment terminals includes at least one processor and one contactless device interface,

the mobile devices and the payment terminals are configured to communicate directly with one another via the contactless device interfaces,

each of the payment terminals includes means for informing a customer about a total transaction amount to be paid of a payment transaction and a transaction identification assigned to the payment transaction,

each of the payment terminals includes a transaction identification module configured to determine the transaction identification for a payment transaction and to add a payment terminal identification for the respective payment terminal to the transaction identification,

each of the mobile devices includes a transaction response module configured to receive a transaction identification, to extract the payment terminal identification from the transaction identification, and to transmit the transaction identification via a first contactless device interface directly to the payment terminal determined based on the payment terminal identification contained in the transaction identification,

each of the payment terminals includes a payment request module configured to, after receipt of a transaction identification from a mobile device, transmit a payment request, comprising a service point identification of the service point, the payment terminal identification of the respective payment terminal, and the total transaction amount of the payment transaction, determined through the received transaction identification, via a second contactless device interface directly to the mobile device from which the transaction identification was received, and

each of the mobile devices includes a payment record module configured to prepare a payment record comprising a payment request received by the mobile device from a payment terminal and a customer identification of the respective customer, and to transmit the prepared payment record via the first contactless device interface directly to the payment terminal from which the payment request was received.

7. System according to claim 6, wherein,

each of the mobile devices includes means for co-transmitting a sender identification when transmitting the transaction identification entered by the customer to the payment terminal, and

the payment request module includes means for transmitting the payment request to the mobile device determined through the sender identification.

8. System according to claim 6, wherein,

each of the payment terminals includes means for increasing the transmitting power of the contactless device interface,

the payment request module includes means for transmitting the payment request with increased transmitting power to a respective mobile device if the payment terminal has not received a payment record from the respective mobile device within a predefined time period from transmission of the payment request without power increase to the respective mobile device.

9. System according to claim 6, wherein the payment record module includes means for adding to the payment record data on the type of payment before the transmission of the payment record to a payment terminal.

10. System according to claim 6, wherein each of the mobile devices includes an authentication module to receive at least one biometric feature from a customer and to authenticate the customer on the basis of the received biometric feature.

20. The system of claim 6, wherein each transaction response module is configured to receive the transaction identification by operation of operating elements of the respective mobile device.

21. The system of claim 6, wherein each transaction response module is configured to receive the transaction identification directly from the first contactless device interface of the respective mobile device.

23. The system of claim 6, wherein,

each of the mobile devices includes a display configured to display a payment request, and

the display is controlled to display the payment request before the payment record module prepares a payment record.

11. A method for performing a payment transaction, comprising:

inputting a transaction identification into a mobile device, the transaction identification including a payment terminal identification identifying a payment terminal;

extracting the payment terminal identification from the transaction identification;

transmitting via contactless communication the transaction identification from the mobile device directly to the payment terminal based on the payment terminal identification;

preparing a payment request in the payment terminal based on the transaction identification, the payment request including the payment terminal identification;

transmitting via contactless communication the payment request from the payment terminal directly to the mobile device; and

accepting the payment transaction by,

preparing a payment record in the mobile device based on the received payment request, and

transmitting via contactless communication the payment record from the mobile device directly to the payment terminal.

12. The method of claim 11, wherein,

a sender identification is transmitted together with the transaction identification from the mobile device to the payment terminal, the sender identification identifying the mobile device, and

the payment request is transmitted based on the sender identification.

13. The method of claim 11, further comprising:

retransmitting the payment request at an increased transmitting power when the payment terminal does not receive a payment record from the mobile device within a predetermined time period.

14. The method of claim 11, further comprising:

detecting a biometric feature of a user of the mobile device; and

authorizing use of the mobile device based on the detected biometric feature.

24. The method of claim 11, wherein prior to the preparing of the payment record, the payment request is displayed on a display of the mobile device and payment is enabled by the customer.

15. A system for performing a payment transaction, comprising:

a mobile device including,

a first interface,

first means for requesting a transaction identification including a terminal identification, for receiving the transaction identification, for extracting the terminal identification from the transaction identification, and for transmitting the transaction information and a sender identification via the first interface based on the terminal identification, and

second means for preparing a payment record based on a received payment request; and

a terminal including,

a second interface configured to bidirectionally communicate with the first interface in a contactless and direct manner, and

third means for preparing a payment request including the terminal identification based on the transaction information received from the first interface, and for transmitting the payment request directly to the first interface via the second interface, wherein,

the terminal identification identifies the terminal, and

the sender information identifies the mobile device.

16. The system of claim 15, wherein the terminal includes fourth means for establishing the transaction identification.

17. The system of claim 15, wherein the mobile device includes means for detecting a biometric feature of a user of the mobile device and for authorizing use of the mobile device based on the detected biometric feature.

25. The system of claim 15, wherein,

the mobile device includes a display configured to display the payment request, and

the display is controlled to display the payment request before the second means prepares the payment record.