CZ308806B6 - Payment system - Google Patents

Abstract

The invention is a payment system (7) comprising a payment unit (4), a payment terminal (19) and a telecommunication network (17). The payment unit (4) is interactively connected to the payment terminal (19), which is connected to the application server (10) on both sides. The application server (10) is connected on both sides to the server (12) of the provider of business and information services and to the clearing server (11), which is connected to the account (16) of the payment network operator, to which the account (13) of the provider of business and information services is connected. The payment terminal (19) is also connected on the one hand to a clearing server (11) and on the other hand to a server (14) of the authorization centre, which is interactively connected to the bank's server (15) connected to the payment network operator's account (16).

Description

The present invention relates to a payment system belonging to the field of telecommunications technology, electronic commerce and the provision of payment services.

Prior art

At present, the arrangement of a self-service payment terminal is known, which is described in the Czech utility model CZ 12011 U1 and which already enables the provision of payment and information services to the public to a limited extent. However, its disadvantages are that it has limited user possibilities for today's more demanding requirements and is characterized by demanding operation. It is not known to operate such a network with a national or international scope and scope, which would allow centralized use of self-service payment and information terminals, combining information, communication, payment and business functions into one technical device that would provide the public with free payment cards by EMV standard. , electronic banking instruments and, where appropriate, micro-payment instruments, such as an electronic chip wallet.

The solution described in the Czech patent document CZ 295990 B6 is also known in this area, where some shortcomings of existing designs have already been eliminated, but with regard to the ever-increasing requirements for universality and capacity of electronic payment systems and their wider use and security, it turns out that this solution is no longer satisfactory.

Finally, the utility model CZ 25913 U1 is known, which describes the closest state of the art to the given issue. It is a payment system with a payment and information terminal connected via a telecommunication network to the application server of the center of the payment terminal network operator, to which the server of the provider of business or information services and the clearing server are interactively connected. This server manages the account of the self-service and payment terminal network operator, to which the corresponding financial amount is transferred via the payment unit and the payment card authorization center server via the user's bank server, this amount is subsequently transferred from the self-service and payment terminal network operator account by the clearing server to the account business or information service providers. The payment system further comprises a mobile unit connected in both directions to the authorization center server, the clearing server and the application server of the self-service and payment terminal network operator's center.

A preferred embodiment of a payment system with a self-service payment and information terminal has a mobile unit connected to an application server and an authorization center, which is further connected to a financial institution server connected to the application server, the clearing server being an integral part of the financial institution's server. and information services on behalf of the provider of business and information services.

The essence of the invention

The object of the present invention is a payment system that would allow further financial and information operations. This payment system includes two payment execution modes, namely online, where payment terminals must have connectivity to a clearing server to execute a transaction, and offline, where terminals can execute payment transactions without connectivity.

-1 CZ 308806 B6

The above object is met by a payment system comprising a payment unit, a payment terminal and a telecommunication network, the essence of which consists in having a payment unit interactively connected to the payment terminal, which is connected to the application server on both sides. The application server is mutually connected to the server of the provider of business and information services and to the clearing server, which is connected to the account of the payment network operator, to which the account of the provider of business and information services is connected. The payment terminal is also connected to the clearing server on both sides and to the server of the authorization center on both sides, which is interactively connected to the bank's server connected to the payment network operator's account.

The advantage of the payment system is that the payment terminal does not have to be immediately connected to the application server, i.e. it is fully functional even without this connection, which can occur later. The terminals store all transactions in their internal memory and try to establish a connection with the application server at defined intervals. If the connection is not established, the terminal continues to store transactions in memory; if a connection is established, all transactions from memory are moved to the application server for further processing.

Furthermore, the payment system allows the maintenance of a main account in the currency of the region in which the payment system is operated. The account is activated automatically with customer registration and serves as the primary account for online payments.

Furthermore, the payment system allows the maintenance of an "Card" account, which is an additional account for the use of offline card payments. The account only reflects the status on the card, the account itself is not recharged, only the card is recharged, by transfer from the main account or by direct top-up. The card can also take the form of a bracelet, pendant, etc. with a built-in or inserted micro-tag.

Another additional account is the "Meal voucher" account for payment with selected partners while maintaining tax deductibility. They can only be made as online payments.

Another additional account is the "Fuels" account for the payment of fuels, tolls, while payments can only be made online.

Another additional account is the "Cashier" account; This is an additional account for payments of company expenses, while even these payments can only be made online.

Another additional account is the "Other" account for special purposes, such as loyalty credit, etc., while payments can only be made online.

The payment system will enable the application of new modern communication systems and devices, such as smart mobile phones, portable personal computers, etc.

Other advantages of the payment system are:

- Possibilities of different types of payments or benefits in one place.

- More types of electronic wallets.

- Possibilities of limiting the use of funds (eg due to tax deductibility, method and direction of use, user groups, groups of merchants, etc.).

- Possibility to use the card / bracelet as a means of entry (into the building, zone, etc.).

- Possibility to establish third-party loyalty programs (1 card = higher usability, savings for all parties involved, etc.).

- Possibility to have sub-accounts in currencies other than national.

The payment system conceived in this way makes it possible to provide free or paid information, communication, payment and business services to institutions and the public while ensuring payments using proprietary cards and EMY-compliant cards, electronic banking tools and possibly micropayment tools such as electronic chip wallets.

- 2 CZ 308806 B6

Another advantage is the provision of payment services even where terminals do not have connectivity to the payment center.

The advantage of the payment system is that it is possible to perform card charging and card payments on the terminals without immediate connection to the application server, clearing server, authorization center server, bank server, telecommunication network and payment terminal network operator's center.

Explanation of drawings

The essence of the invention is further elucidated on the basis of examples of its embodiment, which are described with the aid of the accompanying drawings, where:

Fig. 1 shows a block diagram of a payment terminal;

Fig. 2 shows a block diagram of the connection of a payment system with a payment terminal, in connection with other elements that are needed for the provision of paid or unpaid business or information services;

Fig. 3 shows a credit charging scheme for offline use by transfer from a main account;

Fig. 4 shows a credit charging scheme for offline use by direct card charging;

Fig. 5 shows a diagram for offline payments;

Fig. 6 shows a diagram when discharging a card;

Fig. 7 shows a diagram of the offline use of a payment terminal for online card recharging;

Fig. 8 shows a diagram of the offline use of a payment terminal for offline card recharging; and Fig. 9 shows a diagram of an offline use of a payment terminal when recharging a SAM recharger card.

Examples of embodiments of the invention

These embodiments illustrate exemplary embodiments of the invention, which, however, have no limiting effect on the scope of protection.

The invention will be further elucidated in the following description of an exemplary embodiment of a payment system 7 with reference to the respective drawings.

An exemplary embodiment of the payment terminal 19 is shown in FIG. 1. In this embodiment, the payment terminal 19 comprises a processing unit 1, a display unit 2 and a communication unit 3 connected to the telecommunication network 17 being connected to each other. a peripheral device 8, a hybrid card reader 5 and a recharging card slot 9, the payment terminal 19 being electrically powered by an external power supply unit 6.

The peripheral device unit 8 may include at least one device selected from the group consisting of a keyboard, a scanner, a printing unit, and a coin box.

The function of the payment terminal 19 according to Fig. 1 is as follows. Processor unit 1 coordinates the management of activities with the help of operational, service, communication and application software

The operation of the payment terminal 19 and its peripheral unit 8 and communicates via the communication unit 3 via the telecommunication network 17 with other servers which are integrated in the payment system 7.

Payment terminal 19 ensures the implementation of payment functions with the help of magnetic and chip payment cards of the EMV / EuroCard / MasterCard and VISA standard issued by any bank or non-banking entity and secured identification of the cardholder with the help of a PIN (Personal Identification Number) code. The payment terminal 19 further supports chip card payments in electronic wallet mode as well as the use of proprietary chip and magnetic cards.

The power supply unit 6 ensures the electrical supply of the payment terminal 19 and its connection to the electrical network. The extension with a battery solution is suitable with regard to ensuring the stability of the connection, so they are not mandatory equipment.

The processor unit 1 provides control of activities and control of the unit 8 of peripheral devices, which are not mandatory equipment of the payment terminal 19 by its user.

Fig. 2 shows a block diagram of the connection of an exemplary embodiment of the payment system 7 in connection with other elements / units necessary for the implementation of paid or unpaid business or information services to the payment system user 7. Fig. 2 shows a two-way connection of the payment unit 4. , in this exemplary embodiment of the "card", and the payment terminal 19 via a telecommunication network 17 with an application server 10. This server is further connected to the clearing server 11 on both sides, the application server 10 being further connected on both sides to the business and information service provider server 12. The clearing server 11 manages the account 16 of the payment network operator. The account 13 of the business and information service provider and the server 15 of the bank are connected to this account 16 of the payment network operator. Furthermore, the payment unit 4 is connected to the server 14 of the authorization center, which is further mutually connected to the server 15 of the user's bank.

By means of the payment unit 4, in this case the "card", and the payment terminal 19, the corresponding financial amount is transferred via the server 14 of the authorization center to the server 15 of the bank with which the account 16 of the payment network operator is maintained. From this account, the amount is subsequently transferred via the clearing server 11 to the account 13 of the business and information service provider.

The application server 10 ensures the exchange of information via the telecommunication network 17 with the server 12 of the business and information service provider. The connection of the payment terminal 19 to the application server 10 is realized using the IP protocol X.25, transactions are secured and encrypted according to standards and norms for payment transactions performed by POS (Point Of Sales) terminals, the IP environment is completely separated from public IP sewing.

The clearing server 11 ensures, in cooperation with the application server 10, the transfer of the corresponding amount paid by the user for business or information services with the help of the payment unit 4 from the payment network operator's account 16 to the business and information service provider's account 13 and transmitting the corresponding transaction information; the application server 10 to the business and information service provider server 12. The clearing server 11 further ensures the distribution of messages about other necessary actions, if they are required by payment for the service or goods.

An example of charging a credit for offline use by transfer from the main account 20 is schematically shown in Fig. 3. Fig. 3 shows a two-way interconnection of a payment unit 4 (card), which also includes a card account 23, and a payment terminal 19 via a telecommunication network 17. with the application server 10, which is mutually connected to the clearing server 11. Both the card account 21 and the main account 20 are connected to the clearing server JT. The card account 21 is further connected to the main account 20, which is back connected to the clearing server 11, wherein the clearing server 11 may (see Fig. 7) may or may not (see Fig. 4) be part of the center 18 of the payment network operator.

-4GB 308806 B6

Charging the credit is as follows. In the payment system 7, the user enters a request to top up the payment unit 4 (card) in a defined amount from the main account 20 and sends it. This request is transferred to the transaction processor environment, which in this case is the application server 10, where it waits for its implementation. The clearing server 11, in cooperation with the application server 10, ensures the transfer of the corresponding amount. In order for the request to be realized and the amount transferred from the main account 20 to the physical payment unit 4 (card), it is necessary to perform several successive steps for confirmation, called "validation", namely: on the payment terminal 19 invoke the correct validation function attach the payment unit 4 (card) to the payment terminal 19, which has connectivity (is online); the payment terminal 19 connects to the environment which is the application server 10. reads all requests to the respective payment unit 4 (card) and modifies the data directly on the payment unit 4 (card), e.g. a change of the balance. This makes the payment unit 4 (card) ready to operate in a closed environment. The payment terminal 19 then passes the validation information back from the transaction processor environment, which is the application server 10, from where the information is transmitted to the clearing server 11, which in this case is part of the payment network operator's center 18, where the payment unit status is updated. 4 (card) and at the same time on the main account 20.

The data flow is as follows: clearing server 11 - application server 10 - payment terminal 19 - payment unit (card) 4 - payment terminal 19 - application server 10 - payment terminal 19 - payment unit (card) 4 - payment terminal 19 - application server 10 - clearing server 11.

An example of online credit charging for offline use by directly charging the card on the terminal is schematically shown in Fig. 4. Fig. 4 shows the two-way connection of the payment unit 4 (card) and the card account 23 to the payment terminal 19 connected via telecommunication network 17. via an application server 10 with a clearing server 11, which is connected to a card account 21, wherein the clearing server 11 may or may not be part of the center 18 of the payment network operator.

Direct card charging is as follows. The corresponding function (card recharging) is called up on the payment terminal 19, the amount to be recharged is entered and the payment unit 4 (card) is attached. This charges the payment unit 4 (card) and is ready to operate in a closed environment. The payment terminal 19 from which it was charged sends information about the charge of the payment unit 4 (card) to the application server 10, which forwards this information to the clearing server 11 and thereby updates the financial status on the payment unit 4 (card) and the card account. 23.

The data flow is as follows: Payment terminal 19 - payment unit (card) 4 - payment terminal 19 arbitrary repetition of sequence 19-4-19 - application server 10 - clearing server 11.

An example for offline card payments is schematically shown in Fig. 5. Fig. 5 shows an interactive connection of a payment unit 4 (card) and a card account 23 to a payment terminal 19, which is connected via a telecommunication network 17 to an application server 10 connected to a clearing house. a server 11 to which a card account 21 is connected, wherein the clearing server 11 may or may not be part of the center 18 of the payment network operator. In this case, the clearing server 11 of the payment network operator's center 18 additionally communicates with both the payment network operator's account 16 and the business and information service provider account 13.

Offline payments are as follows. The payment terminals 19 are divided into online and offline payments, i.e. a payment terminal 19 must be set up for each type of payment. The payment function is called up on the respective payment terminal 19, the amount is entered and the payment unit 4 (card) is attached. The payment transaction is entered into the payment terminal 19 and the balance is overwritten on the payment unit 4 (card). These transactions are stored in the payment terminal 19 and if the payment terminal 19 finds connectivity, it transmits all transactions to the application server 10, from which they are sent to the clearing server 11 or the payment network operator's center 18, which then displays these transactions to the customer. at the same time it updates the balance on the card account 21.

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The data flow is as follows: payment terminal 19 - payment unit (card) 4 - payment terminal 19 arbitrary repetition of sequence 19-4-19 - application server 10 - clearing server 11 - card account 21.

An example of a card discharge is shown schematically in Fig. 6. Fig. 6 shows an interactive connection of a payment unit 4 (card) and a card account 23 to a payment terminal 19, which is connected via a telecommunication network 17 to an application server 10 which is interactively connected clearing server 11 of the center 18 of the payment network operator. Both the card account 21 and the main account 20 are connected to the clearing server 11, the card account 21 being connected back to the clearing server 11. The clearing server 11 may or may not be part of the center 18 of the payment network operator.

The card is discharged as follows. The discharging of the payment unit 4 (card), i.e. the return of money to the main account 20, is entered in the center 18 of the payment network operator in the respective card account 21. This request is transmitted via the clearing server 11 to the application server 10, where it waits for its execution.

In order for the request to be fulfilled and the amount transferred from the payment unit 4 (card or card account 23) to the main account 20, it is necessary to perform several successive steps for confirmation, which we call "validation", namely: at the payment terminal 19 press the correct validation function and attach the payment unit 4 (card) to the payment terminal 19, which has connectivity; the payment terminal 19 connects to the clearing server 11, reads all requests to the respective payment unit 4 (card) and modifies the data directly to the payment unit 4 (e.g. changing the balance, in this case to 0.00). This discharges payment unit 4 (card).

The application server 10 sends information about the performed discharge and the transferred amount to the clearing server 11 of the center 18 of the payment network operator, where the respective amount is added to the main account 20 of the user and at the same time the balance on the card account 21 is updated.

In this case, the data flow is as follows: clearing server 11 - application server 10 - payment terminal 19 - payment unit 4 - payment terminal 19 - application server 10 - payment terminal 19 - payment unit 4 - payment terminal 19 - application server 10 - clearing server 11.

In this payment system 7, the payment terminals 19 can charge cards in both online and offline mode. The individual options will be described below.

An example of using the payment terminal 19 in the online card recharging mode is schematically shown in Fig. 7. Fig. 7 shows the two-way connection of the payment unit 4, in this case the card and the card account 23 to the payment terminal 19, which is connected via the application server 10 to the clearing server 11 of the center 18 of the payment network operator to which the card account 21 is connected, wherein the clearing server 11 may or may not be part of the center 18 of the payment network operator.

The online top-up of payment unit 4 (card) takes place as follows. The online top-up function is called up, the amount is entered, the payment unit 4 (card) is attached, whereby the payment unit 4 (card) is charged. The information on the charging of the payment unit 4 is immediately transmitted to the application server 10 and from there transmitted to the clearing server 11 of the center 18 of the payment network operator, where the balance status on the payment unit 4 (card) is updated.

In this case, the data flow is as follows: payment terminal 19 - payment unit 4 - payment terminal 19 - application server 10 - clearing server 11.

An example of the use of the payment terminal 19 for recharging cards in the offline mode is shown in Fig. 8. Fig. 8 shows the two-way connection of the payment unit 4 (card) and the card account 23 to the payment terminal 19, which is bilaterally connected to SAM chargers. card 24 and further connected via a telecommunication network 17 to an application server 10 connected to the clearing server 11 of the center

-6GB 308806 B6 of the payment network operator to which the card account 21 is connected, wherein the clearing server 11 may or may not be part of the center 18 of the payment network operator.

Offline recharging of payment units 4 (cards) takes place as follows. In order for the system to be fully autonomous and to be able to charge the payment units 4 (cards) even in the offline mode, it is necessary to equip the respective payment terminal 19 with an internal SAM charging card 24, which is pre-charged to the desired value. The procedure for charging the SAM charging card 24 is shown in Fig. 9. Thus, if the payment terminal 19 has no connectivity and has a charged SAM charging card 24, the charging of the payment unit 4 (card) proceeds as follows:

The corresponding offline recharge function is called from the SAM recharger card 24, the amount is entered and the payment unit 4 (card) is attached.

The balance on the payment unit 4 (card) is increased by the amount to be recharged, the balance on the SAM recharger card 24 is reduced by the amount to be recharged.

These transactions remain in the payment terminal 19 until connectivity is acquired; as soon as the payment terminal 19 is connected to the application server 10, it transmits all completed transactions to the application server 10. from which balance data is then transferred to the clearing server 11 of the payment network operator's center 18 - SAM rechargeable card 24 - payment unit 4 - payment terminal 19 arbitrary repetition of sequence 19-4-19 - application server 10 - clearing server 11.

An example of using the payment terminal 19 in offline mode when recharging from the SAM charger card 24 is schematically shown in Fig. 9. Fig. 9 shows a two-way connection of the payment unit 4 (card) and the payment terminal 19, which is additionally connected to the SAM charger on both sides. card 24, via the telecommunication network 17 to the application server 10, which is connected to the clearing server 11 of the payment network operator's center 18, to which the charging account 22 SAM of the charging card 24 is connected, wherein the clearing server 11 may or may not be part of the payment network operator's center 18. .

Charging the SAM charger card 24 is as follows. The SAM charging card 24 is a special card that is inserted into the offline payment terminals 19. It is always charged online by entering a charge request in the clearing server 11 of the payment network operator's center 18 and performing data synchronization of the SAM charging card 24 in the payment terminal 19. The request to charge the SAM of the recharger card 24 is entered in the clearing server 11 of the center 18 of the payment network operator, from where it is transferred to the application server 10, where it waits for execution. In the payment terminal 19 having the SAM charging card 24 inserted, the corresponding synchronization function is called up and the data is transferred to the SAM charging card 24, whereby the SAM charging card 24 is charged. The charge information for the SAM recharger card 24 is passed back to the application server 10 and the clearing server 11 of the payment network operator's center 18, where the balance on the SAM recharger card 24 is updated.

In this case, the data flow is as follows: clearing server 11 - application server 10 - payment terminal 19 - SAM recharging card 24 - payment terminal 19 - application server 10 - clearing server 11.

Industrial applicability

The invention can be used for networks of self-service payment and information terminals combining information, communication, payment and business functions into one technical device enabling the provision of free or paid information, communication, payment and business services to institutions, authorities and the public in secure payment card payments according to EMV , electronic banking tools and possibly micropayment tools, such as an electronic chip wallet.

Claims (9)

A payment system (7) comprising a payment unit (4), a payment terminal (19) and a telecommunication network (17), characterized in that it has a payment unit (4) interactively connected to a payment terminal (19) which is connected on both sides to an application server (10) which is connected on both sides to the server (12) of the business and information services provider and to the clearing server (11) which is connected to the account (16) of the payment network operator to which the account (13) is connected. ) of a provider of business and information services, the payment terminal (19) being further connected on the one hand to a clearing server (11) and on the other hand to a server (14) of the authorization center which is interactively connected to the bank's server (15) connected to the account (16). ) of the payment network operator. Payment system (7) according to claim 1, characterized in that the clearing server (11) is part of the center (18) of the payment network operator. Payment system (7) according to claim 1, characterized in that the payment terminal (19) comprises a processor unit (1) which is connected on both sides to the display unit (2) and to the communication unit (3) connected to the telecommunication system. network (17), wherein a hybrid card reader (5), a peripheral device unit (8) and a charging card slot (9) are further connected on both sides to the processor unit (1). Payment system (7) according to claim 3, characterized in that the payment terminal (19) is connected to a power supply unit (6), which is preferably an integral part thereof and preferably consists of a rechargeable electric battery. Payment system (7) according to claim 1 or 2, characterized in that the payment unit (4) comprises a card account (23) of the payment unit (4) and is connected on both sides to a payment terminal (19) connected to the application server (10). ), which is connected to a clearing server (11) linked to the card account (21). Payment system according to claim 5, characterized in that the clearing server (11) is connected to both the card account (21) and the main account (20), the card account (21) being further connected to the main account (20). ), which is back connected to the clearing server (11). Payment system according to claim 5, characterized in that the clearing server (11) is connected to both the card account (21) and the main account (20), the card account (21) being connected back to the clearing server (11). ). The payment system according to claim 5, characterized in that the payment terminal (19) is further connected on both sides to the SAM charging card (24). Payment system according to claim 8, characterized in that an application server (10) connected on both sides to a clearing server (11) on both sides is connected to the payment terminal (19) connected on both sides to the SAM charging card (24). connected to the top-up account (22) of the SAM recharging card (24).