Transaction method with multimedia data display

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

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 city district. State of the art

[0002] Payment cards, such as bank cards, have long been widely used for purchasing goods and / or services. In a typical payment card transaction, the merchant totals the purchase amount at the point-of-sale register, and the customer inserts their payment card into a card reader on the register to initiate the transaction. Additional customer confirmation, such as a PIN, may be required to complete the transaction. This information is usually entered by the customer using a keypad located on the merchant's register.Information relating to the payment transaction, including the transaction amount and the card's identification information (or PAN - "Primary Account Number"), is transmitted from the payment terminal to a transaction server connected to the merchant (an entity that processes and settles the merchant's card transactions with the merchant's bank). From there, the information is routed 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 sent by the card issuer to the merchant's transaction server, which then 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 methods (cash, checks, payment cards, etc.). Thanks to mobile payment technology, consumers can use their mobile phones to pay for goods or services. For this purpose, bank card information is stored in an electronic wallet application that 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 their relationship with their customer beyond the payment transaction, while limiting the customer's involvement as much as possible. Extending this relationship can simply consist of sending the customer an electronic receipt for the transaction, a discount coupon to be used in a future transaction, an advertising message or content, or a message allowing the customer to register for a loyalty program. It may also be desirable to be able to send a message or advertising content to a customer only if one or more conditions are met. Such conditions may, for example, depend on time, geographical location, transaction amount, or the goods or services purchased. Summary

[0006] Embodiments relate to a transaction process, 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 merchant's payment terminal, a payment device identifier of the customer; transmitting to a server, data relating to the transaction and including 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, transmit via the mobile terminal to the server a request to access the progressive web application containing the access link and the payment device identifier; upon receipt of the request to access the progressive web application, generate a progressive web application by the server; transmit the generated progressive web application by the server to the mobile terminal;and receive and execute 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: display a receipt relating to the payment transaction, display an advertising message, display a discount coupon related to the payment transaction, display data attached to a purchase, display a web page for registering for a loyalty program, display a web page containing a customer account statement relating to a loyalty program, and display 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, the method further includes 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, transmit by the mobile terminal to the server, the access request to the progressive web application containing the access link and the payment device identifier; and following the transmission of the access request, transmit by the server to the mobile terminal a modified progressive web application, the communication between a merchant's payment terminal and the customer's mobile terminal being of the near field type.

[0007] Thanks to the use of the Progressive Web Application (PWA) mechanism, it is possible to display a personalized web page on the mobile device of the identified customer during a transaction with a merchant, without requiring any specific action from the customer other than using the mobile device during the transaction and activating a link on the mobile device. Thus, it is not necessary to provide a specific display device or print a document to provide the customer with information, for example, related to the transaction. The payment device used during the transaction can be a smartphone with 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, be used 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] Furthermore, the progressive web application access mechanism allows a direct communication link to be established between the customer and the merchant, with the initiative for communication left to the customer, while the object of the communication is controlled by the merchant.

[0011] 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 connected to the payment terminal, the system being configured to implement the process defined above. Brief description of the figures

[0012] The present invention will be better understood with the aid of the following description of exemplary embodiments with reference to the accompanying figures, in which identical reference signs correspond to structurally and / or functionally identical or similar elements.

[0013] [Fig. 1] Figure 1 schematically represents a customer journey tracking system, according to one embodiment,

[0014] [Fig. 2] Figure 2 represents steps in a transaction process between a customer and a trader, according to a method of implementation. Detailed description

[0015] Figure 1 shows a transaction system comprising equipment installed in a store ML1, a transaction server TSRV, and a customer tracking management server. The equipment in the store ML1 includes a TPI payment terminal and an MSI cash register management computer connected to the TPI payment terminal. Furthermore, the TPI terminal communicates with the transaction server TSRV via an MW data transmission network, for example, the Internet.

[0016] According to one embodiment, the MSI computer communicates with the PSRV management server via a data transmission network, for example, the MW network. It should be noted that the MSI computer can be omitted, as the TPI payment terminal incorporates the necessary functionalities of the MSI computer and can communicate directly with the PSRV server.

[0017] A customer wishing to make a purchase in the ML1 store has a mobile terminal MT1, for example a smartphone including an electronic wallet application storing the identification data of one or more bank cards, and an NFC ("Near Field Communication") interface. The TPI payment terminal also has such a near field communication interface.

[0018] Figure 2 illustrates steps SI to S15 of a transaction process between a customer and the merchant ML1, according to one embodiment. In step SI, the customer makes a purchase from the merchant ML1. To this end, the merchant selects the item(s) chosen by the customer on the MSI computer or scans the labels of the selected items. The MSI computer calculates a transaction amount PX based on the selected items. This selection triggers step S2, and the transaction amount PX is transmitted by the MSI computer to the TPI terminal. In step S3, the TPI terminal receives the PX amount and displays it on its DSP display screen. The transaction amount PX can also be entered directly using the TPI terminal's keyboard.

[0019] At step S4, the customer presents their MT1 mobile terminal to the TPI terminal. During this presentation, a contactless communication, for example of the NFC ("Near Field Communication") type, is established between the MT1 mobile terminal and the TPI terminal. The MT1 mobile terminal then transmits PN1 identification and payment device authentication data to the TPI payment terminal. This data includes, in particular, a PAN ("Primary") bank card number. Account Number"). Thus, the customer may also be required to enter a PIN linked to the payment device for authentication. In step S5, the TPI terminal can generate a cryptographic token Cil from the received PN1 identification data. The Cil token is obtained, for example, using a cryptographic function, such as a hash function. In step S6, the Cil token (or the PN1 identification data) is transmitted to the MSI computer. Furthermore, the TPI terminal executes the transaction with the TSRV transaction server by generating and transmitting cryptographic data containing transaction data such as the received PN1 bank card number, the PIN entered by the user, the transaction amount, and the payment recipient. The Cil token allows the payment device, and therefore the customer, to be identified without needing to know the payment device's PN1 identifier.Note that the Cil token can be generated not by the TPI terminal, but by the MSI computer.

[0020] In step S7, the MSI computer receives the Cil token and transmits it to the PSRV server along with the merchant ID1 identifier ML1 and the transaction data TT, in a PRQ request for a Progressive Web Application (PWA). The transmitted TT transaction data may include the transaction date, the transaction amount PX, and the identifier of each item purchased with its selling price. Note that the customer's Cil identifier transmitted by the TPI terminal to the PSRV server may be directly the customer's bank card number PN1. In step S8, the PSRV server receives the PRQ request and searches the CB database for an IDD identifier of a PWA application. The PSRV server then generates a PLNK link to the PWA application. In step S9, the PSRV server transmits the PLNK link to the MSI computer in response to the PRQ request issued in step S7. At step S10, the MSI computer transmits the PNLK link to the TPI terminal.In step SI 1, the TPI terminal transmits the PLNK link, containing the customer's payment device's Cil identifier, to the customer's MT1 terminal via the NFC connection established during payment. Upon receiving the PLNK link in step SI 1, the customer's MT1 terminal generates a cookie storing the received Cil identifier. The MT1 terminal user can be notified that they have received the PLNK link and can activate it to access a PWA application. The PWA application can be configured to provide access to and display a web page containing the receipt corresponding to the TT transaction data, or web pages containing, for example, multimedia content such as an advertisement, a loyalty program registration form, a customer account statement related to a loyalty program, a discount coupon linked to the payment transaction, or purchase-related data such as a warranty certificate or user manual.The web page displayed when the PWA application is activated. may contain several links providing access to other web pages such as those mentioned previously.

[0021] In step S12, the user initiates the execution of the PWA application by executing the PLNK link, in association with the cookie containing the Cil identifier of the payment device. Executing the PLNK link triggers the issuance of a web page request to a server, for example, the PSRV server. Upon receiving this request, in step S13, the PSRV server stores in the CB database that the client corresponding to the received Cil identifier is requesting access to a web page. In step S14, the PSRV server generates the requested WP web page and transmits this page to the MT1 terminal in response to the PLNK request issued in step S12. In step S15, the MT1 terminal displays the received web page.

[0022] 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 repeatedly, and the content accessible via this link can be modified. The merchant thus has a communication channel to transmit data, such as multimedia content, to individuals who have made a single purchase at the merchant's store. This communication channel is established without any specific action required from the store's customers, other than activating the received link when they choose. Thanks to the Cil identifier transmitted upon activation of the PNLK link, the data transmitted by the PSRV server to the customer can be personalized.

[0023] It will be clear to those skilled in the art that the present invention is susceptible of various embodiments and various applications within the scope of the annexed claims.

Claims

1. Demands 1. Transaction process, 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, via 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 identifier of the acquired payment device; to store by the server the data relating to the transaction in a database (CB); transmit via 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) from the payment terminal to the mobile terminal via the communication link; Upon activation of the access link, transmit via the mobile terminal to the server, a request to access the progressive web application containing the access link and the payment device identifier; upon receipt of the request to access the progressive web application, generate a progressive web application by the server; transmit the progressive web application generated by the server to the mobile terminal; and to receive and run the progressive web application via 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 related 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 webpage for registering for a loyalty program, display a webpage containing a customer account statement related to a loyalty program, and displaying 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, the process further comprising steps consisting of: storing by the mobile terminal (MT1) the access link and the received payment device identifier (Cil); upon a second activation of the access link, transmitting by the mobile terminal to the server (PSRV), the access request 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, the communication between a merchant's payment terminal (TPI) and the customer's mobile terminal (MT1) being of the near-field type.

2. 2. A transaction system between a merchant and a customer, the system comprising: a server (PSRV), a payment terminal (TPI) installed at the merchant's premises and communicating with the server, and a mobile terminal (MT1) of the customer, capable of communicating with the payment terminal, the system being configured to implement the method according to claim 1.

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