Transaction process with multimedia data display

Abstract

The invention relates to a transaction method, comprising steps consisting in: during a payment transaction between a customer and a merchant (ML1), establishing a communication link between a payment terminal (TP1) of the merchant and a mobile terminal (MT1) of the customer; acquiring by the payment terminal (TP1), a payment device identifier (CI1); transmitting to a server (PSRV), transaction data; transmitting by the server to the customer's terminal an access link (PNLK) to an application (WP); upon activation of the access link, transmitting by the mobile terminal to the server, an access request to the application containing the access link and the payment device identifier; upon receipt of the access request, generating and transmitting by the server, a progressive web application to the mobile terminal; and receiving and executing the application by the mobile terminal. Figure 2

Description

Title of the invention: Transaction method with multimedia data display Technical field

[0001] The present invention relates to payment transactions carried out using a mobile terminal such as a smartphone at merchants, for example in a shopping center or a city district. State of the art

[0002] Payment cards, such as bank cards, have long been widely used for transactions involving the purchase of goods and / or services. In a typical transaction using a payment card, the merchant totals the purchase amount at the point of sale checkout, and the customer inserts their payment card into a card reader at the checkout to initiate the transaction. Additional confirmation from the customer, such as a PIN, may be required to complete the transaction. This information is typically entered by the customer using a keypad located on the merchant's checkout.Payment transaction information, including the transaction amount and the bank card identification information (or PAN - "Primary Account Number"), is transmitted from the payment terminal to a transaction server associated with the merchant (an entity that processes and settles the merchant's bank with the merchant's bank), and then is routed from the transaction server to the customer's or card issuer's bank, via the card issuer's payment network (e.g., VISA™, MASTERCARD™, etc.). If the transaction is authorized, an authorization code is then sent by the card issuer to the merchant's transaction server, which sends the authorization code to the payment terminal. The customer can then receive the purchased goods or services.

[0003] Mobile payments are increasingly used by many consumers as an alternative to traditional payment devices (cash, checks, payment cards, etc.). Thanks to the technology of mobile payments, consumers can use their mobile phone to pay for a good or service. For this purpose, information relating to a bank card is stored in an electronic wallet application which is executed by the mobile phone during a payment transaction initiated with a payment terminal.

[0004] Mobile payments offer a number of advantages over payment cards.

[0005] In this context, it is desirable for a merchant to be able to extend his relationship with his customer beyond the payment transaction, and to do so by limiting the customer's participation as much as possible. Thus, the extension of this relationship may simply consist of transmitting to the customer a dematerialized receipt relating to the transaction, a discount coupon to be used during a future transaction, a message or advertising content, or even a message allowing the customer to register for a loyalty program. It may also be desirable to be able to transmit a message or advertising content to a customer only if one or more conditions are met. Such conditions may, for example, depend on time, a geographical position, a transaction amount, or the items or services purchased. Summary

[0006] Embodiments relate to a transaction method, comprising steps consisting of: during a payment transaction by a customer at a merchant, establishing a communication link between a payment terminal of the merchant and a mobile terminal of the customer; acquiring by the payment terminal of the merchant, a payment device identifier of the customer; transmitting to a server, data relating to the transaction and comprising the acquired payment device identifier; storing by the server the data relating to the transaction in a database; transmitting by the server to the payment terminal an access link to a progressive web application; transmitting the access link and the payment device identifier, by the payment terminal to the mobile terminal, via the communication link;upon activation of the access link, transmitting by the mobile terminal to the server, a request for access to the progressive web application containing the access link and the payment device identifier; upon receipt of the request for access to the progressive web application, generating by the server, a progressive web application; transmitting the progressive web application generated, by the server to the mobile terminal;and receiving and executing the progressive web application by the mobile terminal, the progressive web application received by the mobile terminal being configured to perform at least one of the following operations: displaying a receipt relating to the payment transaction, displaying an advertising message, displaying a discount coupon linked to the payment transaction, displaying data attached to a purchase, displaying a web page for registering for a loyalty program, displaying a web page containing a customer account statement relating to a loyalty program, and displaying a discount coupon, the payment device identifier being determined by the payment terminal by applying a cryptographic function to a bank card number stored and transmitted by the customer's mobile terminal to the payment terminal. ;

[0007] By using the PWA progressive web application mechanism, it is possible to display a personalized web page on the mobile terminal of the identified customer during a transaction at a merchant, without requiring any particular intervention from the customer, other than the use of the mobile terminal during the transaction and the activation of a link on the mobile terminal by the customer. Thus, it is not necessary to provide a specific display means or a document printout to provide the customer with information, for example, relating to the transaction. The payment device used during the transaction may be a smartphone comprising an electronic wallet application storing a bank card identifier.

[0008] Furthermore, the information transmitted to the customer can be very varied. It can in particular make it possible to obtain the customer's membership in a loyalty program, and therefore to obtain information about the customer.

[0009] In addition, the customer can be identified while respecting the confidentiality of his bank card identification information.

[0010] According to one embodiment, the method further comprises steps consisting of: storing by the mobile terminal the access link and the payment device identifier received; upon a second activation of the access link, transmitting by the mobile terminal to the server, the request for access to the progressive web application containing the access link and the payment device identifier; and following the transmission of the access request, transmitting by the server to the mobile terminal a modified progressive web application.

[0011] Thus, the access mechanism to a progressive web application makes it possible to establish a direct communication link between the customer and the merchant, the initiative of the communication being left to the customer, while the object of the communication is controlled by the merchant.

[0012] According to one embodiment, the communication between a payment terminal of the merchant and the mobile terminal of the customer is of the near field type.

[0013] Embodiments may also relate to a transaction system between a merchant and a customer, the system comprising: a server, a payment terminal installed at the merchant's premises, and communicating with the server, and a mobile terminal of the customer, which can be put into communication with the payment terminal, the system being configured to implement the method defined previously. Brief description of the figures

[0014] The present invention will be better understood with the aid of the following description of exemplary embodiments with reference to the appended figures, in which identical reference signs correspond to structurally and / or functionally identical or similar elements.

[0015] [Fig.l] Figure 1 schematically represents a system for tracking customer journeys, according to one embodiment,

[0016] [Fig.2] Figure 2 represents steps of a transaction process between a customer and a trader, according to one embodiment. Detailed description

[0017] Figure 1 represents a transaction system comprising equipment installed in a store ML1, a transaction server TSRV and a customer tracking management server. The equipment of the store ML1 comprises a payment terminal TPI and a cash management computer MSI connected to the payment terminal TPI. Furthermore, the terminal TPI communicates with the transaction server TSRV, via a data transmission network MW, for example the Internet network.

[0018] According to one embodiment, the MSI computer communicates with the PSRV management server via a data transmission network, for example the MW network. Note that the MSI computer can be omitted, the TPI payment terminal grouping the necessary functionalities of the MSI computer and being able to communicate directly with the PSRV server.

[0019] A customer wishing to make a purchase in the store ML1 has a mobile terminal MT1, for example of the smartphone type comprising an electronic wallet application storing the identification data of one or more bank cards, and a near field communication interface NFC ("Near Field Communication"). The payment terminal TPI also has such a near field communication interface.

[0020] Figure 2 represents steps S1 to S15 of a transaction method between a customer and the merchant ML1, according to one embodiment. In step S1, the customer makes a purchase from the merchant ML1. For this purpose, the merchant selects the item(s) chosen by the customer on the MSI computer or scans the labels of the chosen items. The MSI computer calculates a transaction amount PX based on the selected items. This selection triggers step S2; the transaction amount PX is transmitted by the MSI computer to the TPI terminal. In step S3, the TPI terminal receives the amount PX and displays it on its DSP display screen. The transaction amount PX can also be entered directly using the keyboard of the TPI terminal.

[0021] In step S4, the customer presents his mobile terminal MT1 to the TPI terminal. During this presentation, a contactless communication, for example of the near field NFC type ("Near Field Communication"), is established between the mobile terminal MT1 and the TPI terminal. The mobile terminal MT1 then transmits to the TPI payment terminal identification data PN1 and authentication of a payment device. This data includes in particular a bank card number PAN ("Primary Account Number"). Thus, the customer may also be required to enter a secret code linked to the payment device to be authenticated. In step S5, the TPI terminal can generate a cryptographic token Cil from the identification data PN1 received. The token Cil is obtained for example using a cryptographic function, such as a hash function. In step S6, the token Cil (or the identification data PN1) is transmitted to the MSI computer. In addition, the TPI terminal executes the transaction with the transaction server TSRV by generating and transmitting to it a cryptographic data item containing the transaction data such as the bank card number PN1 received, the secret code entered by the user, the amount of the transaction, and the recipient of the payment.The Cil token allows the payment device and therefore the customer to be identified, without having knowledge of the PN1 identifier of the payment device. Note that the Cil token can be generated not by the TPI terminal, but by the MSI computer.

[0022] In step S7, the MSI computer receives the token Cil and transmits it to the PSRV server with an identifier ID1 of the merchant ML1, and the transaction data TT, in a PRQ request for a progressive web application PWA ("Progessive Web Application"). The transmitted transaction data TT may include the date of the transaction, the amount of the transaction PX and the identifier of each item thus purchased with its sale price. Note that the identifier Cil of the customer transmitted by the TPI terminal to the PSRV server may be directly the bank card number PN1 of the customer. In step S8, the PSRV server receives the PRQ request, and searches in the CB database, an identifier IDD of a PWA application. The PSRV server then generates a link PLNK to the PWA application. In step S9, the PSRV server transmits the link PLNK to the MSI computer in response to the PRQ request issued in step S7. In step S10, the MSI computer transmits the PNLK link to the TPI terminal.In step SI 1, the TPI terminal transmits to the customer's MT1 terminal, via the NFC link established during payment, the PLNK link with the identifier Cil of the customer's payment device. Upon receipt of the PLNK link, in step SI 1, the customer's MT1 terminal generates a cookie storing the received identifier Cil. The user of the MT1 terminal can be notified that he has received the PLNK link and that he can activate it to access a PWA application. The PWA application can be configured to provide access to and display a web page including the receipt corresponding to the TT transaction data, or web pages containing, for example, multimedia content such as an advertising message, a registration form for a loyalty program, a customer account statement relating to a loyalty program, a discount coupon linked to the payment transaction, or data attached to a purchase such as a warranty voucher or . a user guide. The web page displayed when activating the PWA application may contain several links giving access to other web pages such as those mentioned above.

[0023] In step S12, the user launches the execution of the PWA application by executing the PLNK link, in association with the cookie containing the identifier Cil of the payment device. The execution of the PLNK link triggers the sending of a web page request to a server, for example the PSRV server. Upon receipt of this request, in step S13, the PSRV server stores in the CB database that the client corresponding to the received identifier Cil is requesting access to a web page. In step S14, the PSRV server generates the requested web page WP and transmits this page to the terminal MT1 in response to the request PNLK sent in step S12. In step S15, the terminal MT1 displays the received web page.

[0024] By using the PWA application mechanism, it is possible to display data directly on the mobile terminal used to carry out a payment transaction. Since the PNLK link is stored in the customer's MT1 mobile terminal, it can be activated several times, while the content accessible via this link can be modified. The merchant thus has a communication channel for transmitting data such as multimedia data to people who have only come once to make a purchase in the merchant's store. This communication channel is established without any particular action by the store's customers, apart from activating the link received when they wish. Thanks to the Cil identifier transmitted when the PNLK link is activated, the data transmitted by the PSRV server to the customer can be personalized.

[0025] It will be clear to those skilled in the art that the present invention is susceptible of various alternative embodiments and various applications within the scope of the appended claims.

Claims

1. Claims 1. Transaction method, comprising steps consisting of: during a payment transaction by a customer at a merchant (ML1), establishing a communication link between a payment terminal (TPI) of the merchant and a mobile terminal (MT1) of the customer; acquire through the merchant's payment terminal (TPI), a customer payment device identifier (Cil); transmit to a server (PSRV), data relating to the transaction and including the acquired payment device identifier; store by the server the data relating to the transaction in a database (CB); transmit by the server to the payment terminal (TPI) an access link (PNLK) to a progressive web application (WP); transmit the access link and the payment device identifier (Cil), by the payment terminal to the mobile terminal, via the communication link; upon activation of the access link, transmitting by the mobile terminal to the server, a request for access to the progressive web application containing the access link and the payment device identifier; upon receipt of the request for access to the progressive web application, generating by the server, a progressive web application; transmit the progressive web application generated by the server to the mobile terminal; and receive and execute the progressive web application by the mobile terminal, the progressive web application (WP) received by the mobile terminal (MT1) being configured to perform at least one of the following operations: display a receipt relating to the payment transaction, display an advertising message, display a discount coupon linked to the payment transaction, display data attached to a purchase, display a loyalty program registration web page, display a web page containing a customer account statement relating to a loyalty program, and display a discount coupon, the payment device identifier (Cil) being determined by the payment terminal (TPI) by applying a cryptographic function to a bank card number stored and transmitted by the customer's mobile terminal (MT1) to the payment terminal.

2. Method according to claim 1, further comprising steps consisting in: storing by the mobile terminal (MT1) the access link and the payment device identifier (Cil) received; upon a second activation of the access link, transmitting by the mobile terminal to the server (PSRV), the request for access to the progressive web application containing the access link and the payment device identifier; and following the transmission of the access request, transmitting by the server to the mobile terminal a modified progressive web application.

3. Method according to one of claims 1 or 2, in which the communication between a payment terminal (TPI) of the merchant and the mobile terminal (MT1) of the customer is of the near field type.

4. 4. Transaction system between a merchant and a customer, the system comprising: a server (PSRV), a payment terminal (TPI) installed at the merchant, and communicating with the server, and a mobile terminal (MT1) of the customer, which can be put into communication with the payment terminal, the system being configured to implement the method according to one of claims 1 to 3.

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