Transaction method with multimedia data display

The PWA mechanism facilitates personalized content display on mobile devices during transactions, addressing the need for extended merchant-customer interaction and confidentiality in mobile payments.

FR3157956B3Active Publication Date: 2026-03-27BANKS & ACQUIRERS INT HLDG SAS
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Patent Information

Application Number
FR2024014272
Authority / Receiving Office
FR · FR
Patent Type
Utility models
Current Assignee / Owner
Priority Date
2023-12-15
Filing Date
2024-12-16
Publication Date
2026-03-27
Estimated Expiration
2034-12-16

AI Technical Summary

Technical Problem

Existing payment systems lack the ability to extend merchant-customer relationships beyond the transaction without requiring significant customer involvement, and there is a need for personalized communication and data display during mobile payments.

Method used

A transaction process utilizing a Progressive Web Application (PWA) mechanism that enables a communication link between a merchant's payment terminal and a customer's mobile terminal, allowing the display of personalized content such as receipts, advertisements, or loyalty program registration without additional customer action, using a cryptographic token to ensure confidentiality.

Benefits of technology

Enables personalized communication and data display on the customer's mobile device during transactions, enhancing merchant-customer interaction while maintaining bank card confidentiality.

✦ Generated by Eureka AI based on patent content.
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Abstract

The invention relates to a transaction method comprising the steps of: 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, via the payment terminal (TP1), a payment device identifier (CI1); transmitting transaction data to a server (PSRV); transmitting, via the server, to the customer's terminal an access link (PNLK) to an application (WP); upon activation of the access link, transmitting, via 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, via the server, a progressive web application to the mobile terminal; and receiving and executing the application via the mobile terminal. Figure 2
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