Method for implementing a transaction on a terminal

Abstract

The present invention relates to a method for implementing a transaction on a terminal (1) comprising data processing means (11) and display means (13), characterized in that it comprises the data processing means (11) implementing steps of: (a) displaying, on said display means (13), a global interface zone (ZG) of an application for implementing said transaction; (b) displaying, on said display means (13), at least a first intermediate interface zone (ZI1) corresponding to one operating mode of said application selected from among a plurality of possible operating modes of said application, the first intermediate interface zone (ZI1) being strictly contained within the global interface zone (ZG); (c) displaying, on said display means (13), an action zone (ZA) depending on said selected operating mode, the action zone (Z3) being strictly contained within the first intermediate interface zone (ZI1); (d) implementing said transaction using said action zone (ZA).

Description

[0001] Description

[0002] Title of the invention: Method for implementing a transaction on a terminal

[0003] GENERAL TECHNICAL FIELD

[0004] The present invention relates to the field of electronic payment. More specifically, it relates to a method for implementing a transaction on a terminal.

[0005] STATE OF THE ART

[0006] Today we know the use of payment applications directly on mobile terminals, including smartphones and tablets, to carry out transactions with merchants.

[0007] The problem is ergonomics: merchants must continually change applications and / or "options," i.e., operating modes. For example, we may have to move from a standard initial payment by credit card in which the merchant enters the amount and then the customer enters their PIN, to a refund, and again to a contactless payment, this time in which there is no longer any PIN entry.

[0008] Typically, apps have a burger menu-style selection menu of different options that merchants are forced to go back and search, abandoning the setup they are in and wasting time.

[0009] The invention improves the situation.

[0010] PRESENTATION OF THE INVENTION The present invention therefore relates, according to a first aspect, to a method for implementing a transaction on a terminal comprising data processing means and display means, characterized in that it comprises the implementation by the data processing means of steps of:

[0011] (a) Displaying on said display means a global interface area of ​​an application implementing said transaction;

[0012] (b) Displaying on said display means at least a first intermediate interface area corresponding to an operating mode of said application selected from a plurality of possible operating modes of said application, the first intermediate interface area being strictly included in the global interface area;

[0013] (c) Display on said display means of an action zone depending on said selected operating mode, the action zone being strictly included in the first intermediate interface zone;

[0014] (d) Implementation of said transaction using said action area.

[0015] According to advantageous and non-limiting characteristics:

[0016] Said display means are a touch screen, step (d) comprising receiving a command via said action zone for the implementation of said transaction.

[0017] Said global interface area occupies the entirety of a display surface of said display means.

[0018] Step (b) comprises displaying at least a first selection zone for said operating mode of said application from among a plurality of possible operating modes of said application, said first selection zone also being strictly included in the first intermediate interface zone, and separate from the action zone.

[0019] Step (b) comprises the selection by a user of the terminal of said operating mode from among the plurality of possible operating modes of said application, using the first selection zone. The method further comprises a step (b') of displaying on said display means a second intermediate interface zone corresponding to a sub-mode of said selected operating mode of said application selected from among a plurality of possible sub-modes of said selected operating mode, the second intermediate interface zone being strictly included in the first intermediate interface zone; the action zone being a function of said selected sub-operating mode, and strictly included in the second intermediate interface zone.

[0020] Step (b') comprises displaying a second selection area of ​​said sub-mode of the selected operating mode of said application from among the plurality of possible sub-modes of said selected operating mode, said first selection area being disjoint from the second intermediate interface area and said second selection area also being strictly included in the second intermediate interface area and disjoint from the action area.

[0021] Step (b') comprises selecting by the user said sub-mode of the selected operating mode of said application from among the plurality of possible sub-modes of said selected operating mode, using the second selection area.

[0022] The operating mode is chosen from a list of payment types including at least proximity payment and remote payment.

[0023] The sub-operation mode of the proximity payment operation mode is chosen from debit, debit with authorization, credit, cancellation, and pre-authorization.

[0024] The action area is a numeric keypad.

[0025] According to a second aspect, the invention relates to a terminal comprising data processing means and display means, characterized in that the data processing means are configured to:

[0026] - Display on said display means a global interface zone of an application for implementing a transaction; - Display on said display means at least a first intermediate interface zone corresponding to an operating mode of said application selected from a plurality of possible operating modes of said application, the first intermediate interface zone being strictly included in the global interface zone;

[0027] - Display on said display means an action zone depending on said selected operating mode, the action zone being strictly included in the first intermediate interface zone;

[0028] - Implement said transaction using said action zone.

[0029] According to a third and a fourth aspect, the invention relates to a computer program product comprising code instructions for executing a method according to the first aspect of implementing a transaction on a terminal; and a storage means readable by computer equipment on which is recorded a computer program product comprising code instructions for executing a method according to the first aspect of implementing a transaction on a terminal.

[0030] PRESENTATION OF FIGURES

[0031] Other characteristics and advantages of the present invention will appear on reading the following description of a preferred embodiment. This description will be given with reference to the appended drawings in which:

[0032] [Fig. 1]Figure 1 is a diagram of a system for implementing the method according to the invention;

[0033] [Fig. 2]Figure 2 is a flowchart illustrating the steps of an embodiment of the method according to the invention; [Fig. 3]Figure 3 represents a generic interface model implemented in a preferred embodiment of the method according to the invention;

[0034] [Fig. 4a]Figure 4a represents a first example of an interface implemented in the method according to the invention;

[0035] [Fig.4b]Figure 4b represents a second example of an interface implemented in the method according to the invention.

[0036] DETAILED DESCRIPTION

[0037] Architecture

[0038] The present invention relates to a method for implementing an operation on a terminal 1, said operation being in particular any transaction such as a proximity payment by bank card, either classic (with insertion of the card), or contactless (including with a dematerialized card on a smartphone), but also an online payment (VAD), a payment via QR code, via tokens (QUASICASH), the taking of a deposit (PLBS - Payment for the rental of Goods and services). Note that the notion of "transaction" can be taken in the broad sense as any computer action reflecting an agreement between two parties, beyond just payments, and for example relating to a transfer of data, a service, a reservation, etc.

[0039] The present invention may even be applied to the implementation of any operation on a terminal 1 in any application currently requiring a menu for selecting different options of the “burger menu” type, even if said operation is preferably a transaction and most preferably a payment (and this example will be presented in the remainder of this description). For example, said application may be a messaging application and the operation sending an electronic message, said application may be a home automation application and the operation controlling home automation equipment, said application may be a system application and the operation modifying a configuration of the terminal 1, etc. With reference to FIG. 1, the terminal 1 comprises in all cases:

[0040] - data processing means 11,

[0041] - generally data storage means 12 (a memory),

[0042] - display means 13 capable of displaying data, and advantageously a touch screen also allowing commands to be sent by the user, but it will be understood that it can alternatively have a keyboard and / or a mouse, a microphone for voice commands, etc.

[0043] Terminal 1 is typically a mobile terminal such as a smartphone, a tablet, but also an EFT, or any peripheral.

[0044] It can quite easily, as can be seen in Figure 1, be itself connected to a peripheral 10, or even a slave TPE, i.e. controlled by the terminal 1. Indeed, a smartphone type terminal is generally capable of implementing a contactless transaction (via NFC), but generally does not have the reader for a “contact” transaction or the printer for the receipt.

[0045] In the example described, the terminal 1 is typically that of a merchant for whose benefit said transaction will be implemented. Note that the terminal 1 can be connected for example via a network 20 such as the internet to a server 2, in particular a banking server, for the implementation of the transaction.

[0046] It is understood that the data processing means 11 are adapted to implement at least one application, for example a payment application, installed on said terminal 1, in particular a plurality of applications corresponding to various use cases and / or making it possible to change the beneficiary of a transaction (example of a doctor's office with a single terminal), even if, as we will see later, this can be done directly in a single application in a preferred embodiment).

[0047] Method With reference to Figure 2, the present method, implemented by the data processing means 11 of the terminal 1, begins with a step (a) of displaying on said display means 13 a global interface zone ZG of an application for implementing said transaction, i.e. a payment application, possibly chosen by the merchant from a plurality of payment applications installed on said terminal 1.

[0048] This step (a) can thus comprise the selection by the user (the merchant) of said application (on the interface 13, in particular if it is tactile), and therefore the display of the global interface zone ZG of the chosen application.

[0049] Preferably, said global interface zone ZG occupies the entire display surface of said display means, i.e. is “full screen”. Indeed, said display surface of said display means corresponds to the display surface, and there is no reason not to use the entire available surface.

[0050] In a step (b), the display on said display means 13 of at least a first intermediate interface zone ZI1 corresponding to an operating mode of said application chosen from a plurality of possible operating modes of said application is implemented. By "operating mode", or "option", is meant different configuration parameters of the application, and in particular different payment strategies allowing alternative implementation of the transaction, for example, in a transaction type operation the following operating modes can be available: proximity payment, online payment, payment via QR code, QUASICASH, PLBS, etc. As will be seen later, each operating mode can be optionally associated with sub-modes of this mode as many variants, according to a tree structure.For example, in the proximity payment operating mode, the following sub-operating modes can be available: debit, debit with authorization, credit, cancellation, and pre-authorization. A person skilled in the art will be able to define a list of sub-modes of their choice for all the other payment methods mentioned above.

[0051] Indeed, the method comprises a step (c) of displaying on said display means 13 an action zone ZA depending on said selected operating mode of said application. By "action zone" is meant an area that can be used in a step (d) to implement said transaction, in particular by entering a command via said action zone ZA.Typically, this is a numeric keypad for entering an amount, then a PIN code, but it can alternatively be a QR code scanning area (displaying the view of a camera to scan a customer's QR code), one or more buttons (particularly in contexts other than transactions, for example "new", "reply" "transfer" in the case of a messaging application), or even a "passive" area, for example, indicating to the user that they can approach their bank card for a contactless payment, or the display of information or a QR code to be flashed by the customer, in a reverse operation.

[0052] We understand that the possibly passive nature of an action zone ZA is understood here with respect to means 13 (there is nothing to enter), but such a zone remains an “action” zone since it implies an action on the part of the user to implement the transaction (applying their bank card against the terminal, scanning the QR code, reading information, etc.). We also understand that the action zone can be active and “become” passive: for example, the action zone can be the numeric keypad, initially active for entering the amount (this is the case in almost all proximity payment operating modes) then passive in the case of contactless payment: the keypad is always displayed but there is no code to type, unlike a payment with card insertion.

[0053] If the fact of having several possible modes / sub-modes of operation of a payment application is known, the present invention is distinguished in that the first intermediate interface zone ZI1 is strictly included in the global interface zone ZG and that the action zone ZA is in turn strictly included in the first intermediate interface zone ZI1 . In other words, as represented by figure 3, each zone ZI1 , ZA occupies a part of the hierarchically superior zone ZG, ZI1 , but not entirely. This “Russian doll” architecture proves, as we will see, to be very effective, including in the case of rapid and repeated changes.

[0054] The presence of sub-modes can be managed simply by adding a second level of intermediate interface zone: the method then comprises a step (b') (between (b) and (c)) of displaying on said display means 13 a second intermediate interface zone ZI2 corresponding to a sub-mode of said selected operating mode of said application selected from a plurality of possible sub-modes of said selected operating mode, the second intermediate interface zone ZI2 being strictly included in the first intermediate interface zone ZI1; the action zone ZA being a function of said selected operating sub-mode, and strictly included in the second intermediate interface zone ZI2. The presence of such an additional hierarchical level is seen in the example of Figure 4a.

[0055] We understand that step (b') can naturally be conditioned on the existence of sub-modes: a particular mode may not have sub-modes, and we then display directly in step (c) the corresponding action zone ZA, see the example in figure 4b.

[0056] Alternatively, it is quite possible to envisage a further step (b”) of displaying on said display means 13 a third intermediate interface zone corresponding to yet another sub-mode of said sub-mode (i.e. a “sub-sub-mode”), the third intermediate interface zone being strictly included in the second intermediate interface zone ZI2; the action zone ZA being a function of said lowest level sub-mode selected, and strictly included in the third intermediate interface zone, and so on recursively. It is thus possible to model all of the possible selections of operating modes as an exhaustive hierarchical tree, which is very intuitive and easy to navigate.

[0057] The method may then comprise a final step (d) of implementing said transaction using said action zone ZA, in particular by receiving a command via said action zone ZA (such as entering an amount) for implementing said transaction.

[0058] Said transaction can be implemented in a conventional manner by applying for example a remote server 2 (notably banking), and potentially a peripheral 10 such as a card reader and / or a receipt printer.

[0059] Selection

[0060] Preferably, there is also the display of at least a first selection zone ZS1 of said operating mode of said application from among said plurality of possible operating modes of said application, with said first selection zone ZS1 also strictly included in the first intermediate interface zone ZI1, and distinct from the action zone ZA / second intermediate interface zone ZI2 if there is a sub-mode, preferably above (alternatively below, but also laterally, in particular in a display in “landscape” mode) thereof as seen in Figure 3. The first intermediate interface zone ZI1 can in practice be partitioned between the first selection zone ZS1 and the action zone ZA / second intermediate interface zone ZI2.

[0061] Step (b) may therefore comprise the selection by the user of said operating mode of said application from among the plurality of possible operating modes of said application using said first selection zone ZS1 (on the interface 13, in particular if it is tactile), and therefore the display of the first intermediate interface zone ZI1 of the chosen operating mode. Similarly, the possible step (b') advantageously comprises the display of a second selection zone ZS2 of said sub-mode of the selected operating mode of said application from among the plurality of possible sub-modes of said selected operating mode, said second selection zone ZS2 also being strictly included in the second intermediate interface zone ZI2 and separate from the action zone (ZA).

[0062] It is understood that said first selection zone ZS1 is disjoint from the second intermediate interface zone ZI2 (and not only from the action zone ZA).

[0063] Step (b') then preferably comprises the selection by the user of said sub-mode of the selected operating mode of said application from among the plurality of possible sub-modes of said selected operating mode, using the second selection zone ZS2.

[0064] Note that steps (b) and / or (b') etc. can be repeated if the user chooses a new operating mode / sub-mode:

[0065] - if he was mistaken;

[0066] - if the customer changes his mind about payment;

[0067] - if it is simply provided that step (b)Z(b') is implemented automatically with a default operating mode / sub-mode or the last selected mode / sub-mode;

[0068] - etc.

[0069] Changing is very easy because the list of operating modes / sub-modes is directly accessible and short.

[0070] Selecting a new mode / sub-mode restarts step (d) and therefore the display of a new action zone ZA based on the new combination of modes / sub-modes selected.

[0071] Note that step (a) can, in a manner analogous to the selection zones ZS1, ZS2, comprise the display of a profile zone ZP allowing the selection of the user implementing the transaction, for example a merchant from among several merchants sharing the use of the terminal 1, said profile zone ZP also being strictly included in the global interface zone, and disjoint from the first intermediate interface zone ZI1.

[0072] As such, step (a) may include user selection / modification.

[0073] We note that even if the present method advantageously replaces the burger menu, we can always have an additional burger menu, in particular for the selection of non-currently used menus (for example settings), and keep the display in interface zones ZG, ZI1, ZI2, ZA for the operating modes between which the user must navigate daily.

[0074] Terminal

[0075] According to a second aspect, the invention relates to the terminal 1 for implementing the method according to the first aspect.

[0076] Thus, this terminal 1 comprises, as explained, data processing means 11 and display means 13. It may further comprise data storage means 12, communications means, etc.

[0077] The data processing means 11 are configured to implement the steps consisting of:

[0078] - Display on said display means 13 a global interface zone ZG of an application for implementing a transaction;

[0079] - Display on said display means 13 at least a first intermediate interface zone ZI1 (and potentially a second intermediate interface zone ZI2) corresponding to an operating mode of said application selected from a plurality of possible operating modes of said application, the first intermediate interface zone ZI1 being strictly included in the global interface zone ZG;

[0080] - Display on said display means 13 an action zone ZA depending on said selected operating mode, the action zone Z3 being strictly included in the first intermediate interface zone ZI1;

[0081] - Implement said transaction using said action zone

[0082] Computer program product

[0083] According to a fourth and a fifth aspect, the invention relates to a computer program product comprising code instructions for the execution (on the data processing means 11 of the terminal 1) of a method according to the first aspect of implementing a transaction on a terminal 1, as well as storage means readable by computer equipment (for example the data storage means 12 of the terminal) on which this computer program product is found.

Claims

CLAIMS 1. Method for implementing a transaction on a terminal (1) comprising data processing means (11) and display means (13), characterized in that it comprises the implementation by the data processing means (11) of steps of: (a) Display on said display means (13) of a global interface zone (ZG) of an application for implementing said transaction; (b) Display on said display means (13) of at least a first intermediate interface zone (ZI1) corresponding to an operating mode of said application selected from a plurality of possible operating modes of said application, the first intermediate interface zone (ZI1) being strictly included in the global interface zone (ZG); (c) Display on said display means (13) of an action zone (ZA) as a function of said selected operating mode, the action zone (Z3) being strictly included in the first intermediate interface zone (ZI1); (d) Implementation of said transaction using said action zone (AZ).

2. Method according to claim 1, wherein said display means (13) are a touch screen, step (d) comprising receiving a command via said action zone (ZA) for the implementation of said transaction.

3. Method according to one of claims 1 and 2, in which said global interface zone (ZG) occupies the entirety of a display surface of said display means (13).

4. Method according to one of claims 1 to 3, in which step (b) comprises displaying at least a first selection zone (ZS1) of said operating mode of said application from among a plurality of possible modes of operation of said application, said first selection zone (ZS1) also being strictly included in the first intermediate interface zone (ZI1), and disjointed from the action zone (ZA).

5. Method according to claim 4, wherein step (b) comprises the selection by a user of the terminal (1) of said operating mode from among the plurality of possible operating modes of said application, using the first selection zone (ZS1).

6. Method according to one of claims 1 to 6, further comprising a step (b') of displaying on said display means (13) a second intermediate interface zone (ZI2) corresponding to a sub-mode of said selected operating mode of said application selected from a plurality of possible sub-modes of said selected operating mode, the second intermediate interface zone (ZI2) being strictly included in the first intermediate interface zone (ZI1); the action zone (ZA) being a function of said selected sub-mode of operation, and strictly included in the second intermediate interface zone (ZI2).

7. Method according to claims 4 and 6 in combination, wherein step (b') comprises displaying a second selection zone (ZS2) of said sub-mode of the selected operating mode of said application from among the plurality of possible sub-modes of said selected operating mode, said first selection zone (ZS1) being disjoint from the second intermediate interface zone (ZI2) and said second selection zone (ZS2) also being strictly included in the second intermediate interface zone (ZI2) and disjoint from the action zone (ZA).

8. A method according to claims 5 and 7 in combination, wherein step (b') comprises the user selecting said sub-mode of the selected operating mode of said application from among the plurality of possible sub-modes of said selected operating mode, using the second selection zone (ZS2).

9. Method according to one of claims 1 to 8, in which the operating mode is chosen from a list of payment types including at least proximity payment and remote payment.

10. Method according to claim 9, wherein the sub-mode of operation of the proximity payment operating mode is chosen from debit, debit with authorization, credit, cancellation, and pre-authorization.

11. Method according to one of claims 1 to 10, in which the action zone is a numeric keyboard.

12. Terminal (1) comprising data processing means (11) and display means (13), characterized in that the data processing means (11) are configured to: - Display on said display means (13) a global interface zone (ZG) of an application for implementing a transaction; - Display on said display means (13) at least a first intermediate interface zone (ZI1) corresponding to an operating mode of said application selected from a plurality of possible operating modes of said application, the first intermediate interface zone (ZI1) being strictly included in the global interface zone (ZG); - Display on said display means (13) an action zone (ZA) depending on said selected operating mode, the action zone (Z3) being strictly included in the first intermediate interface zone (ZI1); - Implement said transaction using said action zone (AZ).

13. Computer program product comprising code instructions for executing a method according to one of claims 1 to 11 for implementing a transaction on a terminal (1), when said program is executed on a computer.

14. Storage means readable by computer equipment on which is recorded a computer program product comprising code instructions for the execution of a method according to one of claims 1 to 11 for implementing a transaction on a terminal (1).

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