JP2018512638A - Mobile device and method for financial transactions using different currencies - Google Patents

Abstract

The mobile communication device is configured to perform near field communication (NFC) with the NFC interface module of the transaction terminal system. In response to the interface connection between the mobile communication device and the transaction terminal system, information can be exchanged between the mobile application of the mobile communication device and the transaction terminal system. The information exchanged may include at least one of information held by the transaction terminal system indicating the terminal system currency of the transaction terminal system and information held in the mobile communication device indicating the user currency. The trading terminal system or mobile application may be operable to compare the terminal system currency with the user currency and, if there is a difference, display the currency option proposal on the display of the mobile communication device. In response to user selection of the user currency, a transaction can be performed in the user currency. [Selection] Figure 1

Description

background

  The present invention relates to a system and method for conducting transactions.

  Typically, transactions can be performed using cash, for example, a payment card with a magnetic stripe and / or chip such as a credit card read by a transaction terminal system. It is also known to make payments using a contactless system using, for example, near field communication (NFC) devices. Examples of such devices include payment cards that include an NFC interface module, prepaid cards, and mobile communication devices.

  Typical transaction terminal systems, such as point of sale information management (POS) systems and automated teller machine (ATM) workstations, provide transactions in the local currency in which the transaction terminal system is located. However, the user may want to trade in another currency. Various techniques are known in the art for making payments when a user desires to make payments in a currency other than the local currency in which the transaction terminal system is located.

  For example, EP1018711 identifies an identification code from a payment card number and compares the identification code with an entry in a table containing an issuer code and a corresponding currency code to determine an operating currency associated with the card transaction. Is disclosed.

  WO 2006/009816 receives a financial account number associated with a financial institution held by a customer at a financial institution, determines the type of foreign currency associated with the financial account, and provides options to the user. And then presenting a currency transaction according to the customer's currency selection.

  A conventional POS system that proposes an alternative currency is that the merchant at the POS system wants the customer to pay using the local currency in which the POS system is located, or is associated with the user's credit card. It is necessary to ask the user whether he / she wishes to settle using the billed currency. Conventional ATM systems that propose alternative currencies require the ATM to display alternative currency proposals and the user to select one of the suggested alternative currencies using the ATM keyboard.

  There is a need to provide an improved way of conducting transactions that allows a user to select a currency for settlement.

Overview

  The subject matter claimed herein is defined in the claims.

  A method for facilitating selection of a currency for trading is provided in response to an interface connection of a mobile communication device configured for near field communication (NFC) with an NFC interface module of a trading terminal system. Exchanging information between the mobile application and the transaction terminal system, wherein the information exchanged is information held by the transaction terminal system indicating the terminal system currency of the transaction terminal system, and the mobile indicating the user currency A step including at least one of the information held in the communication device and the transaction terminal system or mobile application compares the terminal system currency to the user currency and, if there is a difference, presents the currency option proposal to the mobile communication Steps to display on the device display and In response to user selection of The currency, including the steps of executing a transaction in the user currency, the.

  The exchange of information can be performed, for example, in response to at least a first tap on the NFC interface module of the transaction terminal system by the mobile communication device. Performing the transaction can be accomplished in response to a user action using the mobile communication device, such as using, for example, a second tap of the NFC interface of the transaction terminal system by the mobile communication device.

  Displaying the currency option proposal on the display of the mobile communication device includes, for example, displaying the volume of the transaction in at least one currency, including at least one of a terminal system currency and a user currency.

  The step of displaying the currency option proposal on the display of the mobile communication device includes, for example, displaying the amount of the transaction in at least one currency including the user currency, a currency conversion rate between the terminal system currency and the user currency, and the currency Displaying at least one of the conversion fees.

  The amount of the transaction can be determined by the transaction terminal system, for example, as a result of input of information about the goods or services to be purchased.

  In response to an interface connection of the mobile communication device with the NFC interface module of the transaction terminal system, the mobile application can be launched, for example, to exchange information.

  At least one of the transaction terminal system or the mobile application can hold, for example, a currency conversion value for converting a transaction amount between currencies. The currency conversion value can specify, for example, the currency conversion rate between the first currency and the second currency, and the expiration of the validity of the currency conversion rate. When one of the trading terminal system or mobile application accesses a currency conversion value for which the currency conversion rate has expired, the above one of the trading terminal system or mobile application may, for example, You can access to get current currency conversion value. The location of the mobile communication device can be determined using, for example, geolocation, the location of the mobile telecommunications cell to which the mobile communication device is connected, or the location of the trading terminal system to which the mobile communication device is connected. The currency conversion value can be downloaded from the remote server to the mobile application, for example, based on the determined location of the mobile communication device.

  In response to the determination of the terminal system currency and the user currency as a result of comparing the terminal system currency to the user currency, the current currency conversion value from the transaction currency to the user currency, eg, from the remote server to the transaction terminal system or mobile application You can download it to one of them.

  A mobile application of a mobile communication device comprising a near field communication (NFC) interface module is provided, the mobile communication device responding to an interface connection of the mobile communication device with an NFC interface module of a trading terminal system. It is configured to exchange information between the mobile application of the device and the transaction terminal system, and the exchanged information includes at least transaction information received by the mobile application of the mobile communication device from the transaction terminal system. The mobile application responds to a determination that the mobile communication device stores user currency option preference parameters, determines a conversion rate and amount, and the currency proposal matches the stored user currency option preference parameters. And displaying a currency option proposal on the display of the mobile communication device, and otherwise automatically performing a transaction according to the stored user currency option preference parameter. .

  The mobile application performs at least one of displaying a transaction record on a display of the mobile communication device and storing a transaction record in a storage device of the mobile communication device for the mobile communication device. Can be further operable.

  The mobile application causes the mobile communication device to determine that the mobile communication device is in a country other than the home country of the mobile communication device and to select a user currency choice preference parameter for the user. And a step of storing a currency option preference parameter selected by the user.

  While various aspects of the invention are set forth in the appended claims, other aspects of the invention may be found not only in the combinations explicitly recited in the appended claims, but also in the described embodiments and / or Includes any combination of features of the appended dependent claims and features of the independent claims.

Embodiments will now be described, by way of example only, with reference to the accompanying drawings.
It is a schematic block diagram which shows the example of a structure of the card payment system which implement | achieves dynamic currency conversion. It is a block diagram which shows the example of a transaction terminal system. It is a block diagram which shows the example of a dynamic currency conversion host system. It is a schematic block diagram which shows the example of the functional component of a mobile communication device. It is a schematic block diagram which shows the functional component of a mobile application. It is a flowchart which shows the example of an operation | movement method. It is a flowchart which shows the example of an operation | movement method. 3 is a flow diagram illustrating aspects of an exemplary method of operation. 3 is a flow diagram illustrating aspects of an exemplary method of operation.

Detailed description

  FIG. 1 is a schematic block diagram illustrating an exemplary payment card system 100.

  FIG. 1 shows a transaction terminal system (or transaction station system) 10 that includes a card payment function as well as a dynamic currency conversion (DCC) system function. This transaction terminal system 10 can be configured as a point-of-sale information management terminal located within a retailer's premises, for example, or may be an automatic teller machine, for example.

  Transaction terminal system 10 may include one or more interface modules that accept card payment and purchase details, as described with reference to FIG. Transaction terminal system 10 is a bank computer that provides banking services to retailers, referred to below as a merchant bank system 12, via a communications network (eg, via the Internet, telephone network, or another network). Communicating with system 12. As part of the card payment process, the transaction terminal system 10 generates a payment authorization request message 20.

  The merchant bank system 12 can include one or more computers. The merchant bank system 12 can be operable to receive the payment authorization request message 20 from the transaction terminal system 10 and eventually return an authorization response message 30 to the transaction terminal system 10. The merchant bank system 12 is further connected via a communication network (eg, via the Internet, a telephone network, or another network) to a network 14 of a payment card operator's computer system (hereinafter a scheme network). Called system 14). Although only one scheme network system 14 is shown in FIG. 1, the member store bank system 12 communicates with each scheme network system of each payment card operator.

  The merchant bank system 12 analyzes the settlement authorization request message 20 received from the transaction terminal system 10, determines an appropriate scheme network system 14 for the card, and sends the settlement authorization request message 22 to the appropriate scheme network system. 14 is operable to forward.

  The scheme network system 14 may be operable to receive the payment authorization request message 22 from the merchant bank system 12 and eventually return an authorization response message 28 to the merchant bank system 12. The scheme network system 14 further includes a computer system 16 (hereinafter referred to as an issuing financial institution system) of a financial institution that has issued a payment card via a communication network (for example, via the Internet, a telephone line network, or another network). Calling). Although only one issuer financial institution system 16 is shown in FIG. 1, the scheme network system 14 may be in communication with the issuer financial institution system 16 of each issuer financial institution.

  The scheme network system 14 can be operable to analyze the received payment authorization request message 22 to identify the issuing financial institution that issued the payment card. The scheme network system 14 is then operable to forward the payment authorization request message 24 to the issuing financial institution system 16 and receive a response message 26 from the issuing financial institution system 16.

  The issuing financial institution system 16 receives the payment authorization request message 24, processes the authorization request by comparing the details of the payment request with the record maintained for the payment card in question, and then the appropriate authorization response message 26. To the scheme network system 14. The authorization response message includes various details, such as confirmation as to whether the payment has been authorized. The authorization response message 26 is then transferred to the transaction terminal system 10 via the scheme network system 14 and the member store bank system 12.

  In the following, further details regarding the rate request and rate response messages exchanged between trading terminal system 10 and DCC host system 18 will be given.

  Upon confirming the transaction currency, the transaction terminal system 10 sends an authorization request message, a financial presentation request message, a financial presentation advice message or a settlement message (for example, the cardholder's home country or billing currency) to the member store bank system 12 and the scheme network. It may be operable to transmit to the issuing financial institution system 16 via the system 14.

  FIG. 2 is a schematic block diagram illustrating an exemplary transaction terminal system 10. The exemplary transaction terminal system 10 shown in FIG. 2 includes one or more processors 40 and a storage device 42 (which may include volatile and non-volatile memory and storage devices) for storing programs and data. POS system including several peripheral components.

  FIG. 2 shows that the storage device 42 is issued in the local currency in which the card processing application that forms the transaction processing (TP) application module 44, the DCC module 46 and the DCC application that forms the reference country name and / or currency information 48, and the terminal. A local currency card file 49 (which can take various forms such as an issuer identification number / bank identification number (IIN / BIN) table 49, for example), as well as a foreign currency table 47 Is shown. It should be noted that the storage device 42 can also include other applications and data.

  The reference country name and / or currency information 48 can be held in a file or register of the storage device 42 as, for example, an ISO country code and an alpha currency code and / or a numeric currency code.

If the local currency card file is implemented as the local IIN / BIN table 49, this means that the payment card has the local bank and other financial institutions that have the local currency of the transaction terminal as the billing currency of the payment card. So that the payment card user (cardholder) is not eligible for dynamic currency conversion. Individual entries in the local IIN / BIN table may include various fields, for example, one or more of the following fields. That is,
IIN / BIN,
Alpha billing currency code (eg Alpha ISO currency code),
Numeric billing currency code (eg numeric ISO currency code),
Country code (for example, ISO country code).

The foreign currency table 47 can include an instruction indicating the foreign currency corresponding to the transaction terminal system 10 by dynamic currency conversion. Individual entries in foreign currency table 47 may include various fields, for example, one or more of the following fields. That is,
Alpha foreign currency code (eg alpha ISO currency code),
Numeric foreign currency code (eg numeric ISO currency code).

  FIG. 2 also schematically represents a keyboard / keypad 50, a scanner 52, a card interface module 54, and a near field communication (NFC) interface module 55. The keyboard / keypad 50 may be a keyboard / keypad with separate keys, or may be configured as a touch screen keyboard / keypad, as appropriate for entering numbers and / or other characters. Can be used. The scanner 52 may be, for example, a bar code scanner or a QR code [registered trademark] scanner. The card interface module 54 can be configured to read data from the payment card. The card interface module 54 may be a magnetic stripe reader, a contact chip card reader, a non-contact chip card reader, or the like as appropriate. If appropriate, the card interface module 54 may also be operable to write information to a suitably configured payment card. The NFC interface module 55 can be used to communicate with a user's mobile communication device 100, such as a mobile phone. The NFC interface module 55 can be part of the card interface module 54 and can also be used to form a contactless card interface module.

  FIG. 2 also schematically shows a display 56, a printer 58 and a communication interface module 60. Display 56 may be a numeric display, alphanumeric display, image display, etc. suitable for displaying input data and / or messages to assist retailers / merchants and / or users operating trading terminal system 10. It can be. The printer can be used to print purchase receipts and / or other information. The communication interface module 60 allows communication from the transaction terminal system 10 to the DCC host system 18 via one or more communication channels 62, either directly or via an intermediate network (not shown).

  In the above-described example, the transaction terminal system 10 is a settlement acceptance device, an automatic teller machine, or a point-of-sale information management system. However, it should be understood that transaction terminal system 10 may be in the form of a workstation connected to the Internet. The transaction terminal system may be fully or partially integrated with a transaction system such as a hotel, a theater, or a retail establishment.

  FIG. 3 is a schematic block diagram illustrating an example of the DCC host system 18. The exemplary DCC host system 18 shown in FIG. 3 includes one or more processors 70 and a storage device 72 (which may include volatile and non-volatile memory) for storing programs and data. In FIG. 3, the storage device 72 forms one or more data tables including a DCC module 76, a home currency file 75, a currency conversion or exchange rate table 74, a country / currency table 77, and a default currency table 73. One or more DCC programs. Note that the storage device 72 can also include other applications and data.

The home currency file 75 may take the form of, for example, a billing currency file (BCF75), which may have entries that may include various fields including, for example, fields for: That is,
Account billing file identifier,
The lower value of the card account number range,
Upper value of card account number range,
Alpha billing currency code (eg 2-3 letter alpha ISO currency code),
Numeric billing currency code (eg 3 digit numeric ISO currency code).

The currency conversion rate table 74 can include information from which current currency conversion data can be extracted. The header entry of the currency conversion table can include various fields, such as one or more of the following fields. That is,
Outgoing file prefix,
File identifier,
Starting effective date,
Start effective time,
Base currency code (eg using ISO currency code),
Country code (eg using ISO country code),
A file sequence number (for example, 001 if there are not multiple files on that day),
File extension (eg DAT).

The volume of the currency conversion table 74 can include various fields, such as one or more of the following fields, for example. That is,
Volume header,
Starting effective date,
Start effective time,
Rate ID.

Individual currency conversion entries in the currency conversion table 74 may include various fields, for example, one or more of the following fields. That is,
Alpha currency code (eg ISO standard 3 letter alpha code),
Numeric currency code (eg ISO standard 2-3 letter numeric code),
Euro bond indicators (eg a flag indicating whether the currency is a Euro bond currency),
Currency conversion rate (eg exchange rate rounded to 4 decimal places),
Merchant FX rate category,
Effective start date (for example, the date on which the currency conversion rate becomes effective),
Effective start time (for example, the time of day when the currency conversion rate becomes effective),
The effective end date (for example, the date after which the currency conversion rate becomes invalid),
Valid end time (for example, the time when the currency conversion rate becomes invalid after that time of the day)
Markup rate value,
Markup accuracy value (for example, indicates the decimal precision of markup).

The last field of the currency conversion table 74 may include various fields, for example, one or more of the following fields. That is,
Trailer line,
Checksum in the currency code field,
Checksum in the currency conversion rate field,
Number of records.

The country name / currency table 77 is used to map the country name and the public home currency of the country. Normally, one official home currency is associated with one country name, but there may be multiple country names associated with one official home currency, such as the euro. In one example, the country name / currency table is arranged by country, and each entry for a country identifies the public home currency associated with it. In this example, each entry may include one or more fields, for example, one or more of the following fields. That is,
Country code (eg ISO country code),
Alpha currency code (eg ISO standard 3 letter alpha code),
Numeric currency code (e.g., ISO standard 2-3 character numeric code).

The default currency table 73 can be used to identify the default currency used for the transaction. The default currency table 73 can include, for example, a mapping between non-compliant DCC currency and default-compliant DCC currency, and in certain situations the trading terminal system 10 and / or direct currency conversion host system 18 supports It can be used to identify the default DCC currency used when a payment card issued for a non-currency is used. The default currency table 73 can also be used to identify the default DCC currency used for payment cards that are not issued in the local currency of the trading terminal system 10 in certain circumstances. In one example, the default currency table 73 is arranged for each input currency (eg, local currency with terminal payment system and / or non-compliant currency), and each entry for the input currency is associated with it. Identifies the default currency. In this example, each entry may include one or more fields, for example, one or more of the following fields. That is,
Alpha input currency code (for example, ISO standard three-letter alpha code),
Numeric input currency code (for example, ISO standard 2-3 character numeric code),
Alpha default currency code (eg ISO standard 3 letter alpha code),
Numeric default currency code (e.g. ISO standard 2-3 character numeric code).

  FIG. 3 also schematically shows a keyboard 78 and a display 80. The keyboard 78 may be a keyboard with separated keys, or may be configured as a touch screen type keyboard, and can be appropriately used for inputting numbers and / or other characters. Display 80 may be a numeric display, alphanumeric display, image display, etc. suitable for allowing an operator to view system data.

  FIG. 3 also shows a printer 82 and a communication interface module 84. The printer can be used to print system data. The communication interface module 84 enables communication via the one or more communication channels 86 with the transaction terminal system 10 and the merchant bank system 12 either directly or via an intermediate network (not shown).

  FIG. 4 is a schematic block diagram illustrating functional components of a mobile communication device 40 such as a mobile phone such as a smartphone or a tablet device. The exemplary mobile communication device 40 includes one or more processors 170 and a memory 172 that stores programs and data. Various, such as voice input and output 176 (eg, speakers and microphones), a vibration mechanism 178 that outputs a vibration alarm, a touch sensor mechanism 180 for user input configured to overlap the display 174, and one or more keys 182 Inputs and outputs are provided. Communication using a wireless module 184 for wireless communication with a cellular network, an NFC interface module 186 for interacting with near field communication technology, a WiFi module 188 for communicating with a WiFi base station, and Bluetooth [registered trademark] technology Various communication interface modules can be provided, such as a Bluetooth module 190 for doing so and a GPS module 192 for locating the mobile communication device. For example, a subscriber identity module (SIM) card reader 194 for connection to a SIM card 196 containing user specific data such as mobile network account data and payment card account data held in a secure storage device 198 in the SIM card. Can also be provided. The interaction of the various functional components shown in FIG. 4 is shown only schematically and that any suitable conventional configuration of the individual components within this mobile communication device is possible, Will be understood.

  FIG. 5 is a schematic block diagram illustrating functional components of the mobile application 720. The mobile application 720 can be maintained in the storage device 172 of the mobile communication device 40 and can be operable to control one or more processors 170 of the mobile device to implement various functions. These functions may also include functions not described herein because they are not relevant to understanding the claimed subject matter. For example, the mobile application can correspond to a traveler as a user and provide various functions to assist the user who is traveling. For example, the function module can provide travel recommendations and information, and can correspond to functions that assist travelers in, for example, a tax refund process.

  FIG. 5 illustrates a session identifier 722 that the mobile application 720 can store in the storage device 172 of the mobile communication device 40. The session identifier processing logic 724 may be operable to manage a session identifier 722 that identifies a trading session between the mobile communication device 40 and the trading terminal system 10 in combination with the trading terminal software of the trading terminal. . FIG. 5 also illustrates currency option preferences 726 that the mobile application 720 can store in the storage device 172 of the mobile communication device 40. The currency option preference logic 728 can be operable to store the currency option preference 726 in the storage device 172 in response to the user's selection of the currency option. For example, the currency option preference logic 728 may include, for example, as part of a setup process, one or more associated with a currency selected by the user from a set of suggested currencies to the user, for example, the user's payment account, if possible. Currency may be used to provide the user with an option to select that all transactions or one or more classes of transactions be performed.

  FIG. 6A illustrates, for example, a mobile phone, tablet, smart watch, etc., with a radio frequency identification (RFID) function, such as near field communication (NFC), for interacting with a transaction terminal system such as transaction terminal system 10. FIG. 4 is an example process flow 200 illustrating the use of a user communication device, such as a wearable device. In the exemplary embodiment, the mobile communication device 40 comprises a mobile application 720 that can interact with the transaction terminal system 10 via the NFC interface module 186 of the mobile phone 10 and the NFC interface module 55 of the transaction terminal system 10. Mobile phone.

  Transaction terminal system 10 can be, for example, a point-of-sale information management terminal of a member store that sells products and / or services to a user. At step 202, the trading terminal system may be operable to collect information including cost information regarding, for example, one or more goods or services that the user wishes to purchase. The transaction terminal system can be used, for example, as a result of manual entry of details or costs (item values) for each item, for example using a keyboard, or by scanning, by contactless reading, or by a machine-readable device indicating the value. It can be configured to record details of some items purchased, such as the price or cost of the items. For example, the value of an item can be retrieved from a transaction terminal system storage device or from a server based on, for example, manual input of a machine readable product code or input of the item's product code, such as by scanning or contactless reading. Can be retrieved by remote reference. The item value is usually expressed in the terminal's primary currency, after which the terminal's primary currency is called the terminal currency. As each item is entered, its item value, item identifier, and possibly further data are stored in the storage device of the transaction terminal system and / or server associated with the transaction terminal system.

  Alternative costs or prices in secondary currency or further currencies can also be stored in the transaction terminal system. The conversion between the primary currency and the alternative currency can be performed using, for example, a conversion data structure (eg, a table) that specifies the conversion rate between the currencies. The conversion data structure can be updated at intervals, so that the conversion values between each currency are associated with the validity period in which those values are valid, so that at the end of the validity period, the current conversion rate And the conversion rate is updated by downloading the expiration date from the remote server.

  In this example, rather than maintaining the conversion data structure locally at the transaction terminal system, the transaction terminal system may be operable to request a currency conversion rate in response to the transaction being performed.

  In step 204, in response to collecting information about one or more goods or services that the user wishes to purchase in step 202, the user is prompted to connect the NFC interface module 55 of the trading terminal system 10 to the mobile communication device 40. Can be prompted to automatically interface with the mobile communication device 40 and the transaction terminal system 10 (via at least one of audio output or visual output from the transaction terminal system).

  In steps 206 and 208, a handshake process is performed between trading terminal system 10 and mobile communication device 40. As a result of tapping the NFC interface module 55 of the transaction terminal system 10 with the mobile communication device 40 in step 204, the transaction terminal system sends a wake-up call to the mobile communication device via the NFC interface modules 186 and 55 to If the application 720 is in a sleep state (inactive or sleep mode), the mobile application 720 is activated and activated.

  In the handshake process, the transaction processing module 44 of the transaction terminal system 10 determines whether the tap on the mobile communication device 40 represents a new session with the transaction terminal system 10 or a continuation of the previous session. Can also be included. Whether it is a new session determines whether the transaction processing module 44 queries the mobile application 720 and the mobile application 720 has recorded a session identifier 722 that the transaction processing module 44 still identifies as active. It can be determined by doing. The trading terminal system (and / or mobile application) can allocate and maintain a session identifier and associated session state record 45. In one example described herein, the transaction processing module 44 of the transaction terminal system assigns a session identifier at the first tap for a transaction session with the mobile communication device 40 and identifies the session identifier that has reached the processing stage reached. Maintained with supplementary identifiers. The session processing logic 724 of the mobile application 720 stores the session identifier assigned as the session identifier 722 by the transaction processing logic 44 in the mobile communication application store, and then maintains a supplemental identifier that identifies the processing stage that has been reached. For example, the session identifier can be the number assigned to the session in the session identifier field of the session record, and the supplement identifier can be a bit in the supplement bit field, each bit initially being the first Is set to a value and then changed to the second value when the processing stage is reached.

  The trading terminal system is operable to compare any session identifier held by the mobile application and when the session identifier is identified as the same as the one or more supplemental identifiers set to the second value The transaction terminal system can identify that the NFC interface module tap of the transaction terminal system by the mobile communication device is a continuation of the previous session, which is determined by the supplemental identifier set to the second value. Continuation from the identified processing stage. If the tap by the mobile communication device represents a new transaction session between the mobile communication device 40 and the transaction terminal system 10, the transaction processing module 44 assigns a new session identifier to this session, as described above. The identified session is recorded in the storage device of the transaction terminal system 10, and the session processing logic 724 of the mobile application 720 is recorded in the storage device of the mobile communication device 40.

  In step 210, transaction processing module 44 causes information to be exchanged between mobile communication device 40 and transaction terminal system 10.

  This is because the transaction processing module 44 queries the mobile communication device 40 via the NFC interface modules 186 and 55, transfers it to the transaction terminal system, and the terminal system currency (or transaction terminal system) held by the transaction terminal system (or Determining whether the mobile communication device 40 has information indicating the user's currency and / or the user's country name that can be compared to information indicating the country name.

  As discussed above, mobile communications can include a subscriber identity module (SIM) 196 that can include a secure element 198. Secure element 198 includes payment information (eg, credit card or other payment card information) and / or information identifying the payment currency or country associated with the user's account (eg, credit card or other payment card information). be able to. In this context, even though reference is made to a credit card or other payment card, the payment token is based on information held in the secure element of the SIM or otherwise held in the secure storage of the mobile communication device. Note that it does not mean that a physical card is required, as it can include virtual cards that are defined.

  The terminal system currency is typically the primary currency of the trading terminal system that forms the default currency with which the trading terminal system conducts transactions. For example, if the trading terminal system is located in Germany, the main currency is usually the euro. However, it should be noted that multiple terminal system currencies may be provided, for example, if the transaction terminal system is configured to allow transactions in multiple currencies. Each of the one or more terminal system currencies can be identified by a currency code held in a storage device of the transaction terminal system. The terminal country name code of the country where the terminal is located can also be held in the storage device of transaction terminal system 10. Transaction terminal system 10 can include a country name / currency conversion table 48 that converts between country name information and currency information.

  The user currency is a currency stored in the mobile communication device 40. For example, information held in the mobile communication device 40 indicating the user currency read by the trading terminal system 10 can be held in the secure element 198 of the SIM 196 or another secure element in the mobile communication device 40. This can be, for example, the currency of the user's account (eg, credit or debit account) of the mobile communication device or the currency that the user selects when configuring the mobile application. In an exemplary application, multiple user currencies can be specified for each user account, for example. The one or more user currencies may be identified by respective currency codes held in secure element 198 of SIM 196 or another secure element in mobile communication device 40, respectively. In addition, the user country name can be identified by a country code held in the secure element 198 of the SIM 196 or another secure element in the mobile communication device 40. The user country name may be the issuing country name of the user account (eg, credit or debit account) of the mobile communication device.

  In the exemplary embodiment, if, at step 212, the secure element of the SIM includes user payment details including an indication of the user currency, these details are transmitted via the NFC interface modules 186 and 55 to the mobile communication device. 40 to the transaction terminal system 10. At this stage, the session processing logic 724 of the mobile application 720 can set the first supplemental identifier to a second value to indicate that the necessary information has been transmitted to the transaction terminal system, and the transaction processing module 44 May set the second supplemental identifier to a second value to indicate that the transaction terminal system has received the necessary information.

  At step 214, the transaction terminal system compares the one or more terminal system currencies with the one or more user currencies.

  If a difference is detected, then at step 216, the transaction terminal system determines a currency conversion rate between the terminal currency and one or more user currencies related to the base currency of the item to be purchased. Based on this currency conversion rate, it can be operable to determine the cost of one or more purchases in different currencies.

  For example, as discussed above, the transaction terminal system can query the conversion data structure held locally in the transaction terminal system and if the expiration date of a given currency conversion has expired May be operable to send a rate request message to the remote server to obtain a download of the current conversion rate from the remote server. If the conversion data structure is not maintained locally at the transaction terminal system, for each transaction, the transaction terminal system sends a rate request message to the remote server to obtain a current conversion rate download from the remote server. Can be made operable. During this process, the transaction processing module 44 can set a further supplemental identifier to the second value to record the processing stage reached.

  At step 218, the trading terminal system operates to calculate an alternative price in the terminal currency and one or more user currencies based on the obtained conversion rate and generate a purchase proposal that includes the price and conversion rate information. Is possible. This purchase offer may include, for example, transaction volume in terminal system currency and user currency, currency codes for these currencies, and applicable currency conversion rates and / or fees. Optionally, a description and / or product code for each item to be purchased can be included in the purchase offer. The transaction terminal system can then be operable to send a purchase offer to the mobile communication device. An additional supplemental identifier can be set by the transaction processing module 44 to a second value during this process to record the processing stage reached, and the session processing logic 724 of the mobile application 720 receives a purchase offer. Can show that.

  If the difference between the terminal system currency and the user currency is not determined in step 214, the purchase offer provided in step 218 is the transaction volume in the terminal system currency and the currency code for that currency, and optionally those And the details of the purchase, which are transferred to the mobile communication device.

  If the calculation is completed before the user removes the mobile communication device 40 from the NFC interface module 55 of the trading terminal system 10, the currency option proposal is sent to the NFC interface modules 55 and 186 of the trading terminal system 10 and the mobile communication device 40. Via the transaction terminal system 10 to the mobile application 720. Normally, the processing from the moment of the first tap takes less than about 200 ms, so in most cases, the currency option proposal is that the user removes the mobile communication device 40 from the NFC interface module 55 of the trading terminal system 10. Before being lifted, it will be transferred to the mobile communication device 40.

  Upon receipt of the purchase offer, a further supplemental identifier can be set to a second value by the session processing logic 724 of the mobile application 720 to indicate that the purchase offer has been received. The mobile application session processing logic 724 then displays the purchase offer using the user interface (UI) logic 730 at step 220 to propose the proposed volume and currency or currency choices (if any are available). ) May be operable to prompt the user to select. Displaying the purchase offer on the display of the mobile communication device may include displaying the volume of the transaction in at least one currency, such as the terminal system currency and at least one user currency if there are currency options. There is. For example, displaying a currency choice proposal on a display of a mobile communication device includes displaying a transaction volume in at least one currency, such as a user currency, and a currency conversion rate and currency conversion between a terminal system currency and a user currency. Displaying at least one of the fees. An additional supplemental identifier can be set to a second value by the session processing logic 724 of the mobile application 720 to indicate the stage of processing reached.

  The display may be configured to allow the user to select a purchase offer and / or to select a transaction currency if there are currency options. For example, a user selectable button can be displayed adjacent to the currency option, or a currency option suggestion can be displayed in a displayed button that can be selected by the user. The user can be prompted to enter acceptance verification. For example, the mobile communication device can include a biometric sensor, such as a fingerprint sensor. The mobile communication device comprises a biometric sensor, for example a fingerprint sensor, and currency options are indicated by selection of a selectable (real or virtual) button or preselected by a currency option preference 726 held in the mobile communication device. In such a case, it is possible to check and verify the currency option with one action by using the fingerprint sensor to detect the verified fingerprint of the user. Alternatively, if the mobile communication device does not include a biometric sensor, it may be necessary to enter a PIN or other verification code to verify acceptance of the purchase offer.

  This was verified in response to verifying the purchase offer and / or currency acceptance, if any, and before the user removed the mobile communication device 40 from the NFC interface module 55 of the transaction terminal system 10 If so, the session processing logic forwards the acceptance of the purchase offer and / or currency option selection to the transaction terminal system via the NFC interface modules 186 and 55 of the mobile communication device 40 and transaction terminal system 10 at step 222. Can be made operable. Further supplemental identifiers can be set to a second value by the session processing logic 724 of the mobile application 720 and the transaction processing module 44 of the transaction terminal system 10 to indicate the processing stage reached.

  If the transaction is successfully completed at step 224, at step 226, the transaction processing module 44 sends the mobile application 720 from the transaction terminal system 10 via the NFC interface modules 55 and 186 of the transaction terminal system 10 and the mobile communication device 40. Can be made operable to confirm that the transaction has been completed, and then the session processing logic can do this by, for example, displaying the confirmation on the display of the mobile communication device in step 228. Can be shown to the user. Further supplemental identifiers can be set to a second value by the session processing logic 724 of the mobile application 720 and the transaction processing module 44 of the transaction terminal system 10 to indicate the processing stage reached.

  If the transaction is not completed in step 224, for example, because the settlement is rejected by the issuing bank, the transaction processing module 44 in step 226 determines the NFC interface of the transaction terminal system 10 and the mobile communication device 40. It can be enabled to send an appropriate message from the trading terminal system 10 to the mobile application 720 via modules 55 and 186, and then the session processing logic confirms on the display of the mobile communication device, for example at step 228 This can be shown to the user by displaying. For example, if multiple payment accounts are held on the mobile communication device, the user may be prompted to start the process again using, for example, a different payment account. Further supplemental identifiers can be set to a second value by the session processing logic 724 of the mobile application 720 and the transaction processing module 44 of the transaction terminal system 10 to indicate the processing stage reached.

  Steps 222 and 224 assume that the user has not removed the mobile communication device from the NFC reader. However, for example, to read information on the display of the mobile communication device and / or to operate a button on the mobile communication device or a button displayed on the mobile communication device, the user moves from the NFC interface module 55 of the transaction terminal system 10 to the mobile There is also the possibility of removing the communication device. A handshake protocol between trading terminal systems can be configured to monitor whether the NFC connection is broken (eg, using a heartbeat signal).

  For example, if the NFC connection is disconnected as a result of the user removing the mobile communication device from the NFC reader 55 before the above processing is completed, the session processing logic of the mobile communication device and / or the transaction processing of the transaction terminal system The module may be operable to prompt the user to tap the NFC interface module 55 of the trading terminal system again with the mobile communication device so that processing can continue. Since the transaction processing module 44 of the transaction terminal system 10 and the session processing logic 724 of the mobile application keep a record or log of the processing stage reached using the supplementary identifier, even when the NFC interface module is interrupted When the mobile communication device taps the NFC interface module 55 of the transaction terminal system 10 once again, the processing stage reached by the session processing logic 724 of the mobile application 720 and the transaction processing module 44 of the transaction terminal system 10 inquiring the supplementary identifier is reached. By determining, processing can be resumed from an appropriate point.

  For example, if the mobile communication device 40 has been removed from the NFC interface module 55 of the trading terminal system 10 before receiving the currency option proposal at step 220, the session processing logic 724 may, for example, The user may be prompted by the UI logic 730 to tap the NFC interface module of the transaction terminal system again at the mobile communication device with at least one of the visual prompts to receive the purchase offer. When this tap is present, the transaction terminal system compares the session identifier 722 held in the mobile application with the session identifier 45 of the current session held in the transaction terminal system, and creates a transaction log that records the stage of transaction processing. Recognize that currency option proposals need to be transferred to the mobile application as part of the session.

  6B is a diagram illustrating in more detail an example of the operation of steps 214, 216, and 218 of FIG. 6A.

  In the example shown in FIG. 6B, in step 214-1, the transaction terminal system compares the terminal system currency with the user currency.

  If the terminal system currency is the same as the user currency, the process proceeds to step 218 in step 214-2.

  If the terminal system currency is not the same as the user currency, the process proceeds to step 216 in step 214-2.

  At step 216-1, transaction processing module 44 sends a rate request message to the remote server to obtain a current conversion rate download from the remote server. The rate request message can specify the transaction identifier and terminal system currency and user currency using an appropriate currency code.

  At step 216-2, transaction processing module 44 receives a currency conversion rate response from the remote server. The conversion currency response can include a transaction identifier, a terminal system currency code and a user currency code, and a conversion rate.

  In step 216-3, transaction processing module 44 calculates an alternative price in the user currency based on the transaction volume in the terminal currency and the resulting conversion rate.

  At step 218-1, transaction processing module 44 generates a purchase offer that includes price and conversion rate information. If it is determined in step 214-1 that the terminal system currency and the user currency are the same, the purchase proposal may include, for example, a transaction amount in the terminal system currency. Optionally, a description of each item to be purchased and / or a product code may be included in the purchase offer. If it is determined in step 214-1 that the terminal system currency and the user currency are different, the purchase proposal is, for example, the transaction amount in the terminal system currency and the user currency, the currency code of the terminal system currency and the user currency, and the application. Currency conversion rates and / or fees. Optionally, a description of each item to be purchased and / or a product code may be included in the purchase offer.

  Then, at step 218-2, the transaction processing module may be operable to send a purchase offer to the mobile communication device 40 via the NFC interface modules 55 and 186 of the transaction terminal system 10 and the mobile communication device 40. it can.

  As discussed with reference to FIG. 6A, the supplementary identifier is set to a second value by the transaction processing module 44 during the processing of steps 214, 216 and 218, and the processing stage reached is recorded, and the session processing logic is recorded. 724 can set the second value.

  In the process described with reference to FIGS. 6A and 6B, the calculation of currency option options is performed by the trading terminal system and then transferred to the mobile application. In an alternative example, in response to the first tap of the NFC interface module of the transaction terminal system by the mobile communication device, the terminal system currency code and the purchase details (s) are transferred to the mobile application to the transaction terminal system. Can be made. In this alternative example, a mobile application rather than a trading terminal system can compare one or more terminal system currencies to one or more user currencies. If a difference is detected, the mobile application can cause the currency choices to be calculated and the currency choices to be presented on the display of the mobile communication device. In this case, the currency selection can be made based on the currency conversion rate held in the mobile application. For example, a mobile communication device can be queried for conversion data structures held locally or remotely, and if the expiration date for a given currency conversion has expired, the current conversion rate is downloaded from the remote server. can do. After the user has made a currency choice selection, the user can be prompted to tap the NFC interface module of the trading terminal system with a communication device to transfer the currency choice selection to the trading terminal system, and then the trading terminal The system can conduct transactions in a conventional manner in a selected currency using, for example, a user's credit card account. If conversion rates are maintained on the mobile communication device, these conversion rates are set at specific intervals (for example, when a user connects via Wi-Fi to avoid the possibility of roaming changes). They can also be downloaded and, as discussed above, these rates can be time stamped so that they “time out” after a certain time interval. In order to minimize the storage capacity required for the conversion rate, the rate downloaded and stored in the mobile communication is either a rate specific to the current location of the mobile communication device or a rate related to the current location of the mobile communication device. can do. The current location of the mobile communication device is, for example, a conventional geolocation technique, the location of a mobile electronic communication cell to which the mobile communication device is currently connected or has recently been connected, or the mobile communication device is currently connected Or the location of a transaction terminal system that has recently been connected.

  For example, FIGS. 7 and 8 illustrate alternative exemplary embodiments. In this embodiment, the mobile application 720 of the mobile device 40 is operable to detect when the mobile communication device connects in a country other than the home country of mobile communication, and then the predetermined option for automatic currency conversion. Can be proposed. For example, the mobile application 720 retains user currency option preference parameters, determines conversion rates and amounts, and responds only when it determines that the currency proposal matches the stored user currency option preference parameters. The currency option proposal can be displayed on the display. Otherwise, if the currency option proposal corresponds to a stored user preference parameter, the mobile application 720 operates to cause a transaction to be made in the trading terminal system currency or user currency determined by the stored user preference parameter. Can be possible.

  FIG. 7 shows the steps performed by the mobile application to provide the user with predetermined parameters.

  In step 302, the mobile application 720 is activated. In one example, this can be a manual activation. In another example, the mobile application 720 can be operable to be automatically launched when the mobile communication device 40 connects to a new cellular or WiFi network.

  At step 304, the mobile application 720 is operable to determine whether the mobile communication device 40 is in the user's home country (the user's home country) or another country. The mobile application 720 can respond to conventional geolocation techniques or a communication network identifier of a mobile communication network to which the mobile communication device 40 is connected, for example.

  If, at step 304, the mobile application 720 determines that the mobile communication device 40 is in the home country of the mobile communication device 40, the process ends at 306.

  If, at step 304, the mobile application 720 determines that the mobile communication device 40 is in a country other than the home country of the mobile communication device 40, then at step 308, the mobile application 720 causes the currency option to be preselected. One or more prompts for prompting may be operable to be presented to the user.

For example, at step 308, the mobile application 720 uses an option (one or more of display buttons, drop-down lists, etc.) for the user to select or enter one or more of the following user preference parameter settings: And can be operable to be presented on the display 174 of the mobile communication device 40. That is,
A payment card preference parameter 382 that identifies a payment card (eg, credit card) that is preferred for use when multiple credit card information is stored on the mobile phone;
A basic conversion rate parameter 384 between the local currency of the country in which the mobile communication device is located and the user currency of the user's own country (home country);
A threshold parameter 386 to the base conversion rate (eg, a percentage such as 2%) that accepts the conversion rate without being asked if the user approves the conversion rate for each transaction if within that range,
Whether the user wants to be prompted to determine if the exchange rate is higher than the threshold parameter if the conversion rate is higher than the threshold parameter;
Prompt parameter 388 specifying whether to automatically reject the conversion without prompting and wish to use the local currency.

  The user may be operable in step 308 to enter appropriate user preference parameter values for parameters 382-388 using options provided via display 174 of mobile communication device 40, and then At step 310, these parameter values can be stored in the parameter store 382-388 of the mobile communication device 40. The mobile application 720 of the mobile communication device accesses the remote host server holding the currency conversion data structure of the country in which the mobile communication device is located by accessing the currency conversion data via WiFi or a mobile communication network connection. It can also be operable to store structural information.

  In the process shown in FIG. 7, the input of user parameter preference parameter values is performed in response to the mobile application determining that mobile communication is not in the user's home country, but in an exemplary implementation, the mobile application is Alternatively, or in addition, the user may be provided with an option to enter user preference parameter values at any time (eg, in the user's home country before moving to the intended destination country).

  FIG. 8 is a diagram illustrating exemplary steps executed when, for example, a transaction is performed at a store.

  Step 402 may include operations corresponding to steps 202-212 when the mobile communication device (MCD) 40 is presented to the NFC interface module 55 of the trading terminal system (TTS) 10. However, in this example, trading terminal system 10 responds to the first tapping on the trading terminal system's NFC interface module with the mobile communication device, and provides the terminal system currency code and purchase details (s). Transfer to mobile application.

  Then at step 404, the mobile application 720 of the mobile communication device 40 can be operable to automatically determine the conversion rate and value if the mobile communication device is in a country other than its home country. For example, as discussed above, currency selection may be based on the currency conversion rate held in the mobile application 720 according to information received from the trading terminal system and pre-set and stored parameters 382-388. Can do. For example, the translation data structure for the country in which the mobile communication device is located (and other possible countries) can be maintained locally on the mobile communication device or remotely, and can be queried, given If the expiration date of the currency conversion has expired, the current conversion rate can be downloaded from the remote host server.

  The mobile application 720 determines in step 406 whether the difference between the proposed conversion rate and the basic conversion rate parameter 384 is within the threshold parameter 386 (ie, the proposed conversion rate is the basic conversion of the parameter 384). Can be operable to determine whether the rate is better than the rate corresponding to the threshold of parameter 386 for the rate value.

  In step 406, the mobile application 720 determines that the proposed conversion rate is better than or equal to the rate corresponding to the threshold of the parameter 386 for the basic conversion rate value of the parameter 384 (eg, 2% from the basic conversion rate). Mobile application 720 is operable to automatically use the home currency as the transaction currency at step 412.

  In step 406, the mobile application 720 determines that the proposed conversion rate is worse than the rate indicated by the threshold indicated by the parameter 386 relative to the basic conversion rate indicated by the parameter 384 (eg, 2% higher than the basic conversion rate). If so, the mobile application 720 is operable to determine at step 408 whether the prompt parameter 388 indicates that the user is prompted to accept a higher conversion rate. is there.

  If at step 408 the mobile application 720 determines that the user should be prompted, at step 410 the mobile application 720 uses the display 174 of the mobile communication device 40 to propose the proposed conversion rate and parameters 304. The user is notified of the difference in the basic conversion rate and prompts the user to enter a response that determines whether or not to accept the exchange rate at this time. In step 410, if the user responds to the prompt indicating that they accept the proposed conversion rate (eg, by touching a software or hardware button on the mobile communication device 40), the mobile application 720 In step 412, the home currency is used for the transaction. At step 410, if the user responds to the prompt indicating that the proposed conversion rate is not accepted (eg, by touching a software or hardware button on the mobile communication device 40), the mobile application 720 In step 414, the local currency is used for the transaction.

  If at step 408 the mobile application 720 determines not to prompt the user, the mobile application 720 will use the local currency for the transaction at step 414.

  After step 412 or step 414, the mobile application selects the selected currency, for example via display 174 of mobile communication device 40, if applicable after payment authorization is performed in step 416. And is operable to notify the user of the conversion amount. Further, at step 416, the mobile application 720 is operable to store the transaction record 420 in the storage device of the mobile communication device 40.

  As described above, the mobile communication device can include payment card details in a secure element (eg, SIM), in which case the mobile application and / or transaction terminal system allows the mobile phone to have payment card details. And can be made operable to conduct transactions using the payment account details payment account. However, in another example, the payment card used for the transaction may be separate from the mobile communication device, in which case the mobile communication device includes instructions indicating the user currency or country name, but the user's It does not include information indicating a settlement account, and conducts transactions using a separate settlement card.

  As described above, the mobile application 720 can be configured to allow the user to pre-determine currency options, or to allow the user to make a currency selection separately for each transaction. .

  The application can be configured to allow the user to set a preferred currency.

  An example action is to note that the trading terminal system detects a mobile application, the trading terminal system queries the application instead of a phone chip, and whether a default currency is specified in the application, or Identifying where the call originated from and suggesting currency options based on these decisions.

  The mobile application of the mobile communication device can be configured to connect in real time with a remote currency choice server, or the rate can be pre-loaded into the mobile communication device.

  Each program module may be embodied as one or more computer program products that operate the processors 40 and 170, respectively. One or more computer program products operable to control the processor (s) 40/170 of a trading terminal system and / or mobile communication device have been described with reference to FIGS. 6A and 6B. Processes and modules can be implemented. Each computer program product may be in the form of one or more computer programs provided, for example, on a carrier medium that constitutes a computer readable medium. The carrier medium can be a storage medium such as a solid state storage medium, a magnetic storage medium, an optical storage medium, a magneto-optical storage medium, or other storage medium. The carrier medium can be a broadcast medium, a telephone medium, a computer network medium, a wired medium, a wireless medium, an electric medium, an electromagnetic medium, an optical medium, or any other transmission medium.

  As used herein, the term “payment card” is used generically to refer to a token, device or carrier that can be used to conduct transactions based on an associated account. Please note that. The “payment card” does not have to be in the form of a conventional rectangular plastic credit card or the like that may have an integrated chip, and is within the meaning of the present specification. Note that, or any other form of payment token, device, or any other form that may be capable of functioning as a carrier. For example, within the meaning of the term “payment card” as used herein, the payment system uses a mobile phone, personal digital assistant (PDA) or other information carrier as a “payment card”. Or can be used as such. In such a case, the cellular phone usually includes a chip or software having a function equivalent to the function of the chip of the EMV card. Thus, when reference is made herein to a payment card, the “payment card” is used as a payment token, device or carrier configured to conduct transactions based on an associated account, for example (eg, contact or non-contact). It should be understood that any suitable form operable as suitable software and means or mechanism for exchanging information with a payment terminal system (in a contact manner).

  The mobile communication device is described as “tapping” the NFC interface module of the transaction terminal system, but this is described as an example of performing an interface connection between the mobile communication device and the NFC interface module of the transaction terminal system. I want you to understand. Physical contact between the mobile communication device and the NFC interface module of the transaction terminal system may not always be necessary, and indeed, in the exemplary embodiment, the NFC interface module of the mobile communication device and the transaction terminal system is connected to the mobile In some cases, the NFC interface module of the communication device need only be close enough to be within the effective range of the NFC interface module of the transaction terminal system. Thus, as used herein, the expression “tap” or “tapping” refers to the NFC interface of a mobile communication device so that the NFC interface module of the mobile communication device falls within the scope of the NFC interface module of the transaction terminal system. It should be understood to mean that the module is sufficiently close to the NFC interface module of the transaction terminal system.

  Although the above embodiments have been described in detail, numerous variations and modifications will become apparent to those skilled in the art once the above disclosure is fully appreciated. The following claims are to be construed as including all such variations and modifications and their equivalents.

Claims (35)

A method,
Information between the mobile application of the mobile communication device and the transaction terminal system in response to the interface connection of the mobile communication device configured for near field communication (NFC) with the NFC interface module of the transaction terminal system Wherein the information to be exchanged is
Including at least one of information held by the transaction terminal system indicating a terminal system currency of the transaction terminal system and information held by the mobile communication device indicating a user currency;
The transaction terminal system or the mobile application comparing the terminal system currency to the user currency and, if there is a difference, displaying a currency option proposal on the display of the mobile communication device;
In response to a user selection of the user currency, executing a transaction in the user currency;
Including methods.   The display of the mobile communication device is configured to allow a user to select a currency option proposal, and in response to a user selection of the currency option proposal using the display of the mobile communication device, the transaction The method of claim 1, wherein: is performed in the user currency.   The method according to claim 1 or 2, wherein the exchange of information is performed in response to at least a first tap on the NFC interface module of the trading terminal system by the mobile communication device.   Causing the display of a currency option proposal on the display of the mobile communication device comprises displaying a volume of transactions in at least one currency, including at least one of the terminal system currency and the user currency. Item 4. The method according to any one of Items 1 to 3. Displaying a currency option proposal on the display of the mobile communication device, displaying the volume of transactions in at least one currency including a user currency;
And displaying at least one of a currency conversion rate and a currency conversion fee between the terminal system currency and the user currency.   The method according to claim 4 or 5, wherein the amount of the transaction is determined by the transaction terminal system as a result of input of information about goods or services to be purchased.   7. The mobile application is launched to exchange information in response to an interface connection of the mobile communication device with the NFC interface module of the trading terminal system. The method described.   The method according to any one of claims 1 to 7, wherein at least one of the transaction terminal system or the mobile application includes a currency conversion value for converting a transaction amount between currencies.   The method of claim 8, wherein the currency conversion value identifies a currency conversion rate between the first currency and the second currency and indicates expiration of validity of the currency conversion rate.   One of the transaction terminal system or the mobile application accesses a currency conversion value for which the validity of the currency conversion rate has expired, and the one of the transaction terminal system or the mobile application accesses a remote server. The method according to claim 9, wherein the current currency conversion value is acquired. Determining the location of the mobile communication device using geolocation, the location of a mobile telecommunications cell to which the mobile communication device is connected, or the location of a trading terminal system to which the mobile communication device is connected;
Allowing a currency conversion value to be downloaded from a remote server to the mobile application based on the determined location of the mobile communication device;
The method according to claim 1, comprising:   Current currency from the transaction currency to the user currency in response to the determination of the terminal system currency and the user currency as a result of the comparison of the terminal system currency and the user currency by the transaction terminal system or the mobile application 12. The method according to any one of claims 1 to 11, comprising the step of causing a conversion value to be downloaded from a remote server to one of the transaction terminal system or the mobile application.   At least one of the trading terminal system and the mobile communication device includes a session identifier identifying a trading session, the session identifier identifying a processing stage of the session, thereby disconnecting NFC communication The method according to any one of claims 1 to 12, wherein the session can be resumed upon resumption of the NFC session if the session is interrupted by.   At least one of the transaction terminal system and the mobile communication device operates to identify a disconnection of NFC communication and prompt the user to re-establish an interface between the mobile communication device and the transaction terminal system 14. A method according to any one of claims 1 to 13, which is possible. The transaction terminal system or the mobile application comparing the terminal system currency to the user currency and, if there is a difference, displaying a currency option proposal on the display of the mobile communication device;
In response to determining that a mobile application of the mobile communication device stores user currency option preference parameters, determines a conversion rate and amount, and a currency proposal matches the stored user currency option preference parameters, the mobile communication device 15. A method according to any one of the preceding claims, comprising causing the display of a currency choice suggestion on the display.   The mobile application determining that the mobile communication device is in a country other than the home country of the mobile communication device; prompting the user to select a user currency option preference parameter; and a currency option selected by the user Storing the preference parameters.   A computer program comprising one or more computer programs comprising program code, the program code being operable to perform the method of any one of claims 1-16. A transaction terminal system comprising a near field communication (NFC) interface module, the transaction terminal system responding to an interface connection of a mobile communication device configured for NFC with the NFC interface module of the transaction terminal system do it,
Causing an exchange of information between a mobile application of the mobile communication device and the transaction terminal system, wherein the information exchanged is:
Including at least one of information held by the transaction terminal system indicating a terminal system currency of the transaction terminal system and information held by the mobile communication device indicating a user currency;
Comparing the terminal system currency with the user currency and, if there is a difference, displaying a currency option proposal on the display of the mobile communication device;
In response to a user selection of the user currency, executing a transaction in the user currency;
A transaction terminal system configured to execute.   The display of the mobile communication device is configured to allow a user to select a currency option proposal, and in response to a user selection of the currency option proposal using the display of the mobile communication device, the transaction The transaction terminal system according to claim 18, wherein is executed in the user currency.   20. A transaction terminal system according to claim 18 or 19, further configured to perform the exchange of information in response to at least a first tap on the NFC interface module of the transaction terminal system by the mobile communication device. .   21. A transaction terminal system according to any one of claims 18 to 20, configured to determine the amount of the transaction as a result of input of information about goods or services to be purchased.   In response to the determination that the terminal system currency is different from the user currency, the current currency conversion value from the transaction currency to the user currency is downloaded from a remote server to the transaction terminal system. The transaction terminal system according to any one of claims 18 to 22.   Configured to hold a session identifier that identifies a trading session, wherein the session identifier identifies a processing stage of the session, whereby if the session is interrupted by disconnection of NFC communication, the session is The transaction terminal system according to any one of claims 18 to 23, which is resumed when an NFC session is resumed.   24. The system of any one of claims 18 to 23, configured to identify a disconnection of NFC communication and prompt a user to re-establish an interface between the mobile communication device and the transaction terminal system. Transaction terminal system. A mobile communication device comprising a near field communication (NFC) interface module, wherein the mobile communication device is responsive to an interface connection of the mobile communication device with an NFC interface module of a trading terminal system;
Exchanging information between a mobile application of the mobile communication device and the transaction terminal system, wherein the information exchanged is:
Including at least one of information held by the transaction terminal system indicating a terminal system currency of the transaction terminal system and information held by the mobile communication device indicating a user currency;
In response to receiving a currency option proposal from the transaction terminal system, displaying the currency option proposal on a display of the mobile communication device;
In response to a user selection of the user currency, transmitting the user selection to the transaction terminal system for performing a transaction in the user currency;
A mobile communication device that is configured to run.   The display of the mobile communication device is configured to allow a user to select a currency option proposal, and in response to a user selection of the currency option proposal using the display of the mobile communication device, the transaction 26. The mobile communication device of claim 25, wherein is executed in the user currency.   27. A mobile communication device according to claim 25 or 26, configured to perform the exchange of information in response to at least a first tap on the NFC interface module of the trading terminal system by the mobile communication device.   28. Mobile communication according to any one of claims 25 to 27, configured to display a volume of transactions in at least one currency, including at least one of the terminal system currency and a user currency. device. Displaying the volume of transactions in at least one currency including the user currency;
29. Mobile communication according to any one of claims 25 to 28, configured to display at least one of a currency conversion rate and a currency conversion fee between the terminal system currency and the user currency. device.   30. The device of claims 25-29, configured to activate the mobile application to exchange information in response to an interface connection of the mobile communication device with the NFC interface module of the trading terminal system. The mobile communication device according to any one of the above.   Configured to hold a session identifier that identifies a trading session, wherein the session identifier identifies a processing stage of the session, thereby causing the session to be interrupted if the session is interrupted due to disconnection of NFC communication 31. The mobile communication device according to any one of claims 25 to 30, wherein the mobile communication device can be resumed upon resumption.   31. A device according to any one of claims 25-30, configured to identify a disconnection of NFC communication and prompt a user to re-establish an interface between the mobile communication device and the trading terminal system. Mobile communication devices. A mobile application of a mobile communication device comprising a near field communication (NFC) interface module, wherein the mobile communication device is responsive to an interface connection of the mobile communication device with an NFC interface module of a trading terminal system Configured to exchange information between a mobile application of a mobile communication device and the transaction terminal system;
The information to be exchanged includes at least transaction information received by the mobile application of the mobile communication device from the transaction terminal system;
The mobile application is for the mobile communication device.
Storing user currency option preference parameters;
Determining a conversion rate and amount;
Responsive to determining that a currency proposal matches the stored user currency option preference parameter, the currency option proposal is displayed on the display of the mobile communication device; otherwise, the stored automatically Trading according to user currency option preference parameters;
A mobile application that is operable to run. For the mobile communication device,
The apparatus is further operable to cause at least one of: displaying a transaction record on a display of the mobile communication device; and storing a transaction record in a storage device of the mobile communication device. The mobile application according to 33. For the mobile communication device,
Determining that the mobile communication device is in a country other than the home country of the mobile communication device;
Prompting the user to select a user currency option preference parameter;
Storing currency option preference parameters selected by the user;
35. A mobile application according to claim 33 or 34, further operable to cause execution.

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