Method for carrying out a transaction, corresponding terminal and computer program

• US 11,907,918 B2
• Filed: 07/11/2014
• Issued: 02/20/2024
• Est. Priority Date: 07/11/2013
• Status: Active Grant

• Current Assignee: Banks And Acquirers International Holding
• Original Assignee: Banks And Acquirers International Holding
• Inventors: Leger, Michel
• Primary Examiner(s): Bridges, Christopher
• Assistant Examiner(s): Park, Yongsik
• Application Number:
  US14/329,395
• Publication Number:
  US 20150019433A1
• Time in Patent Office: 3,511 Days
• Field of Search: None
• 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 transaction with a merchant terminal, wherein the method is implemented within a terminal of a user, and wherein the method comprises the following acts performed by the terminal of said user:

receiving a merchant'"'"'s identifier by using one of the following acts through an interface of the terminal of said user;

scanning a code with a camera of the user terminal;

or

receiving a message through a Bluetooth interface of the user terminal;

or

receiving a message through a contactless interface of the user terminal,

receiving an identification of an offer by using one of the following acts through an interface of the terminal of said user;

scanning a code with a camera of the user terminal;

or

receiving a message through a Bluetooth interface of the user terminal;

or

receiving a message through a contactless interface of the user terminal;

decoding the codes or the messages received to obtain a decoded merchant'"'"'s identifier and the identification of the offer, said merchant identifier consisting in a merchant'"'"'s particular which enable the carrying out of credit transactions towards an account of the merchant;

receiving and decoding a piece of data representing a transaction amount by the same interface as the one used for receiving the merchant'"'"'s identifier;

generating a credit transaction, by using the user'"'"'s terminal, for said merchant comprising;

the user terminal obtaining location data of the user terminal from a GPS device or a mobile network;

the user terminal generating a record comprising the decoded merchant'"'"'s identifier, data representing the transaction amount, data representing an identifier of the user, the location data of the user terminal and the identification of the offer in a non-transitory computer-readable medium; and

the user terminal encrypting said record by using a secured processor of said terminal of said user, wherein the act of encrypting delivers said transaction; and

transmitting said credit transaction from the user'"'"'s terminal to a transaction management server of a third party, said transaction management server being capable of completing the transaction with the decoded merchant'"'"'s identifier against a bank account of the user without providing data representing the user'"'"'s bank account to a merchant or the merchant terminal when the location data of the user terminal indicated in the credit transaction corresponds to a place associated with the offer stored in a database comprising an indication of a place associated with said offer, said database being maintained by said third party.

2. The method according to claim 1, wherein generating said transaction comprises entry into the terminal of the user, 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, receiving by the terminal of the user a piece of data representing a validation of said transaction coming from the 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 the terminal of said merchant comprising obtaining a 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 scanning the code with the camera of the user terminal, which comprises reading a barcode comprising a piece of data representing the merchant'"'"'s identifier.

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

creating the record, which further comprises a piece of data representing an identifier of the user;

encrypting said record by using said terminal of said user, wherein the act of encrypting delivers said transaction.

9. The method according to claim 1, wherein a validity of the offer is tested by the location of the user terminal with respect to the place associated with the offer.

10. The method according to claim 1, wherein the transaction management server identifies the merchant terminal using the decoded merchant'"'"'s identifier.

7. A user terminal for carrying out a transaction with a merchant having a merchant terminal, the user terminal comprising:

at least one of the following interfaces;

a camera;

or a Bluetooth interface;

or a contactless interface;

at least one non-transitory computer-readable medium comprising instructions stored thereon;

a processor configured by the instructions to perform acts comprising;

receiving a merchant'"'"'s identifier by using one of the following acts;

scanning a code with the camera of the user terminal;

or

receiving a message through the Bluetooth interface of the user terminal;

or

receiving a message through the contactless interface of the user terminal;

receiving an identification of an offer by using one of the following acts;

scanning a code with the camera of the user terminal;

or

receiving a message through the Bluetooth interface of the user terminal;

or

receiving a message through the contactless interface of the user terminal;

decoding the codes or the messages received to obtain a decoded merchant'"'"'s identifier and the identification of an offer, said merchant identifier consisting in a merchant'"'"'s particular which enable the carrying out of credit transactions towards an account of the merchant;

receiving and decoding a piece of data representing a transaction amount by the same interface as the one used for receiving the merchant'"'"'s identifier;

generating a credit transaction, by using the user'"'"'s terminal, for said merchant comprising;

the user terminal obtaining location data of the user terminal from a GPS device of the user terminal or from a mobile network; and

the user terminal generating a record comprising the decoded merchant'"'"'s identifier, data representing the transaction amount, data representing an identifier of the user, the location data of the user terminal and the identification of the offer, in a non-transitory computer-readable medium;

and

transmitting said credit transaction from the user'"'"'s terminal to a transaction management server of a third party, said credit transaction management server being capable of completing the transaction with the merchant'"'"'s identifier against a bank account of the user without providing data representing the user'"'"'s bank account to the merchant or the merchant'"'"'s terminal when the location data of the user terminal indicated in the credit transaction corresponds to a place associated with the offer stored in a database comprising an indication of a place associated with said offer, said database being maintained by said third party; and

a secured processor configured by the instructions to perform acts comprising;

encrypting said record by using said terminal of said user, wherein the act of encrypting delivers said credit transaction.

8. A non-transitory computer-readable medium comprising a computer program product stored thereon and executable by a processor of a terminal of a user to carry out a transaction with a merchant having a merchant terminal, 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 configure the terminal of the user to perform acts comprising:

receiving a merchant'"'"'s identifier and an identification of an offer by using one of the following acts through an interface of the terminal of said user;

scanning a code with a camera of the user terminal;

or

receiving a message through a Bluetooth interface of the user terminal;

or

receiving a message through a contactless interface of the user terminal;

decoding the code or the message received to obtain a decoded merchant'"'"'s identifier and the identification of an offer, said merchant identifier consisting in a merchant'"'"'s particular which enable the carrying out of credit transactions towards an account of the merchant;

receiving and decoding a piece of data representing a transaction amount by the same interface as the one used for receiving the merchant'"'"'s identifier;

generating a credit transaction, by using the user'"'"'s terminal, for said merchant comprising;

the user terminal obtaining location data of the user terminal from a GPS device of the user terminal or from a mobile network;

the user terminal generating a record comprising the decoded merchant'"'"'s identifier, data representing the transaction amount, data representing an identifier of the user, the location data of the user terminal and the identification of an offer in a non-transitory computer-readable medium; and

the user terminal encrypting said record by using a secured processor of said terminal of said user, wherein the act of encrypting delivers said credit transaction; and

transmitting said credit transaction from the user'"'"'s terminal to a transaction management server of a third party, said credit transaction management server being capable of completing the transaction with the merchant'"'"'s terminal against a bank account of the user without providing data representing the user'"'"'s bank account to the merchant or the merchant'"'"'s terminal when the location data of the user terminal indicated in the credit transaction corresponds to a place associated with the offer stored in a database comprising an indication of a place associated with said offer, said database being maintained by said third party.