Hands-free transaction method using a mobile terminal
A dual-interface mobile terminal system for precise distance measurement and biometric authentication simplifies and secures payment transactions, reducing waiting times and energy consumption.
Patent Information
- Authority / Receiving Office
- FR · FR
- Patent Type
- Utility models
- Current Assignee / Owner
- Filing Date
- 2024-12-16
- Publication Date
- 2026-03-27
AI Technical Summary
Existing payment transactions at checkout counters and ATMs are time-consuming due to the need for customers to present payment devices, which can increase waiting times and risk data leaks, while existing communication protocols consume significant energy and compromise autonomy.
A transaction method using a mobile terminal with dual communication interfaces (UWB and BLE) for precise distance measurement, enabling identification and payment data acquisition before the transaction, secured by biometric verification, and local storage for efficient data availability without exposing sensitive information.
Reduces waiting times by allowing transactions without presenting payment devices, ensures security through biometric authentication, and conserves terminal battery life by minimizing energy consumption.
Smart Images
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Abstract
Description
Title of the invention: A "hands-free" transaction method using a mobile terminal technical field
[0001] The present invention relates to conducting a payment transaction between a customer with a mobile terminal and a payment terminal. It is particularly applicable to shops, supermarkets, vending machines, ticket vending machines, or ticket vending machines for access to a service such as a transport service, a museum, an amusement park, etc. State of the art
[0002] Typically, a payment transaction is carried out after a list of products and / or services to be purchased is selected, and an amount may be calculated based on the selected products and / or services. The customer must then present a payment device such as cash, a bank card, or a mobile terminal ("smartphone") on which an electronic wallet application is loaded, storing bank card data.
[0003] Furthermore, some recent smartphones are equipped with a communication interface compliant with the UWB ("Ultra Wide Band") protocol, notably for remotely triggering the opening of a door such as a car door. This protocol makes it possible, in particular, to estimate transmission distances with an accuracy on the order of 10 cm.
[0004] It is desirable to reduce waiting times for customers queuing at a checkout or ATM. To this end, it is desirable to simplify payment transactions in a store or at an ATM, particularly payment transactions using a bank card in dematerialized form within an electronic wallet. It may also be desirable that such simplification does not affect the security of transactions or increase the risk of bank card data leaks. Summary
[0005] Embodiments relate to a transaction process comprising steps consisting of: sending, via a first communication interface of a first terminal and a second terminal, an activation request for a second communication interface, of the "Ultra Wide Band" type, the first communication interface consuming less energy in a standby state than the second communication interface; receiving, via the first communication interface of the terminal sending the activation request, an activation response containing a user terminal identifier, issued in response to the activation request by a first communication interface of a user terminal; issue a distance measurement request, via the second communication interface of the terminal receiving the activation response; receive a distance measurement response from the user terminal via the second communication interface of the terminal issuing the distance measurement request; determine a distance between the user terminal and the terminal receiving the distance measurement response, based on the transmission time of the distance measurement request and / or the transmission time of the distance measurement response; when the distance between the user terminal and the first terminal is less than a first threshold value,transmit via the first terminal to a remote server a request for user identification data containing the user terminal identifier; receive from the remote server, via the first terminal, and store identification and payment data in response to the identification data request; and when the distance between the user terminal and the second terminal is less than a second threshold value, issue via a transaction terminal a payment request containing the identification and transaction data, the method comprising steps of capturing biometric information, calculating a biometric fingerprint from the captured biometric information, and comparing the calculated biometric fingerprint with a biometric fingerprint contained in the stored identification data.the payment request being issued only if the calculated biometric fingerprint matches a biometric fingerprint contained in the stored identification data, the user's identification and payment data request being transmitted to a remote server which transmits in response the identification and payment data corresponding to the user terminal identifier, the identification and payment data being stored locally for a limited period, the method further comprising steps of constructing a list of user terminals that have transmitted an activation response, each element of the list comprising a user terminal identifier associated with the user's identification and payment data and the distance between the user terminal and the second terminal.
[0006] Thus, the detection of a user terminal by the first terminal allows the user's identification and payment data to be acquired in anticipation of, and well before, conducting a transaction with a payment device determined by the acquired payment data. A transaction can therefore be carried out as soon as the user's identification and payment data are acquired, without having to present a payment device to a payment terminal. This results in a time saving. This results in a reduction of waiting times for customers queuing to pay for their purchases. This time saving is achieved without transmitting sensitive data from the user's terminal. Thanks to the accuracy of the distance measurements obtained via the second communication interface, and by assigning a sufficiently low value to the second threshold, it can be ensured that the user terminal detected at a distance less than this second threshold value is that of the user closest to the transaction site (store checkout or ATM).
[0007] Furthermore, the implementation of the method does not prevent a conventional transaction from taking place, for example, by presenting a payment device to a payment terminal, particularly in cases where a person is present at the checkout without a user terminal being detected within a distance of the second lower boundary than the second threshold value. Thus, the transaction can be secured without having to present a payment device to a payment terminal.
[0008] Furthermore, the user does not need to provide identification and payment data each time they make a purchase in a store or from an ATM, and the local storage unit does not need a large capacity to store the identification and payment data corresponding to the detected user terminals. Downloading the identification and payment data corresponding to a user terminal each time it is detected by the first terminal also ensures that the most recent data provided by the terminal user is available.
[0009] Creating such a list makes it possible to have the user's identification and payment data available at the time the transaction is to be carried out. This list allows users to present themselves at the checkout in a different order than the order in which they are detected by the first terminal.
[0010] According to one embodiment, the identification data transmitted in the payment request are those of an element of the list associated with the smallest distance.
[0011] According to one embodiment, the list is periodically erased or when all users whose terminal identifiers appear in the list are no longer present near one of the first and second terminals.
[0012] This provision makes it possible to limit the number of user identifiers stored, and thus to speed up the search for the identification and payment data of the user present at the checkout.
[0013] According to one embodiment, the first communication interface is of the "Bluetooth Low Energy" or WiFi™ type.
[0014] These communication interfaces have the advantage of consuming little energy. They can therefore remain active on user terminals without significantly affecting the autonomy of the terminals.
[0015] According to one embodiment, the distance measurement is determined: on the basis of an average value of the transmission time of the distance measurement request and the transmission time of the distance measurement response, or as a function of the transmission time of the distance measurement request, the transmission time of the distance measurement response, and the transmission time of the activation response transmitted by the user terminal.
[0016] These two types of measurements offer better accuracy than measuring a single transmission time.
[0017] According to one embodiment, when the distances measured by the first terminal are greater than the second threshold value and a transaction is to be carried out, the method includes steps consisting of: acquiring payment data via a bank card reader, and issuing by a transaction terminal a payment request containing the acquired payment data and the transaction data; and / or transmitting to the user a message inviting them to provide identification and payment data to the remote server.
[0018] Embodiments may also relate to a system comprising a first terminal, a second terminal, a transaction terminal located near the second terminal, a local server in communication with a remote server, and connected to the transaction terminal and to the first and second terminals, the first and second terminals comprising a first communication interface and a second communication interface of the "Ultra Wide Band" type, the first communication interface consuming less energy in a standby state than the second communication interface, the system being configured to implement the method defined above, with a user terminal within radio range of one or the other of the first and second terminals.
[0019] According to one embodiment, the system includes a biometric data sensor coupled to the transaction terminal. Brief description of the figures
[0020] 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.
[0021] [Fig. 1] Figure 1 schematically represents a store equipped to implement a payment process according to one embodiment,
[0022] [Fig.2] Figure 2 schematically represents a terminal installed in the store or a user terminal, according to one embodiment,
[0023] [Fig. 3] Figure 3 represents steps in a payment process, according to a method of realization,
[0024] [Fig. 4] Figure 4 represents other steps in the payment process, according to a method of realization,
[0025] [Fig. 5] Figures 5A and 5B illustrate two methods of calculating the distance between two transmitting / receiving devices, which may be used in the payment process, according to one embodiment. Detailed description
[0026] Figure 1 depicts a store ST in which at least one entry terminal EB and one checkout terminal PB, a local server LSRV, and a payment terminal RT are installed. Each of the EB and PB terminals is configured to measure the distance between the terminal and a detected user mobile terminal UT1. The EB terminal can be installed near the store's ENT entrance or at the entrance to a checkout queue. The PB terminal is installed near the payment terminal RT. The PB and EB terminals are connected to the local server LSRV. The payment terminal RT is connected to both the PB terminal and the LSRV server. The local server LSRV is configured to connect to a remote server GSRV via a wired NT network such as the Internet or a wireless NT network such as a mobile phone network. Figure 1 also shows other user terminals UT2, UT3 in the vicinity of the RT payment terminal.
[0027] The ST store may include several cash registers. In this case, it includes several groups of payment terminals and distance measuring terminals, such as the PB, RT group.
[0028] Figure 2 shows a device that can be one of the user terminals UT and either of the two terminals EB, PB. This device includes, in particular, a processing unit MP, a first communication interface C0M1, for example of the BLE ("Bluetooth Low Energy") or WiFi™ type, and a second communication interface COM2 of the UWB ("Ultra Wide Band") type configured to measure distances based on message propagation time in a link established with another communication interface of the same type as the second interface. BLE or WiFi™ communication interfaces have the advantage of being able to remain active or in standby without excessive power consumption, which is not the case for UWB communication interfaces. The first communication interface therefore consumes less power in a standby state than the second communication interface. The implementation of the first interface of communication therefore makes it possible, in particular, to limit the electrical consumption of UT user terminals.
[0029] Figure 3 represents steps SI to S9 of a transaction process between a user terminal UT and a store or automatic dispenser ST, according to one embodiment.
[0030] In step SI, a user with the mobile terminal UT approaches the entry terminal EB. The terminal EB detects the terminal UT via its first communication interface COM1. This detection occurs when the terminal UT is within radio range of the first communication interface COM1 of the terminal EB. To this end, the first communication interface of the terminal EB periodically transmits an RQA initiation message to activate the second communication interface COM2 in the nearby UT user terminals.
[0031] Upon receiving the initiation message, in step S2, the user terminal UT transmits, via its first communication interface COM1, an identification message containing a UID of the UT terminal and activates its second communication interface COM2, in step S3. Upon receiving the identification message, in step S4, the terminal EB transmits a distance measurement request message via its second communication interface COM2. Upon receiving the request message, the terminal UT determines a time of receipt of the request message and transmits, via its communication interface COM2, a message containing the time of receipt of the request message. Upon receiving the response message, the terminal EB evaluates its distance from the terminal UT based on the time elapsed between the time of receipt of the request message contained in the response message and the time of receipt of this message by the terminal UT.
[0032] According to another embodiment, the reply message sent by the UT terminal does not contain the time of receipt of the request message. In this case, the EB terminal evaluates the distance to the UT terminal based on the time elapsed between the time the request message was sent and the time the reply message was received, possibly taking into account an average time taken by the terminals to send the reply message after receiving the request message.
[0033] At step S5, the EB terminal transmits to the local LSRV server the UID identifier received from the UT terminal and the distance DT calculated between the EB terminal and the UT terminal.
[0034] In step S6, the LSRV server receives this information and determines whether the UID is in an LST list created since the store's daily opening. In step S7, if the received UID is not already in the LST list, the LSRV server sends the remote GSRV server an RQ message requesting payment data corresponding to and containing the UID. In step S8, the GSRV server searches a global database GDB for The system retrieves identification and payment data related to the received UID and transmits the found UPD identification and payment data corresponding to the UID in response. At step S9, the LSRV server receives this information and stores it in an LST list associated with the UID. If the UID is not found in the GDB database, the GSRV server sends an error message to the LSRV server in response to the RQ request message. Identification data may include user identification data such as name, surname, address, telephone number, email address, date of birth, and possibly a photograph, as well as loyalty data. Payment data may include the user's PAN (Primary Account Number) or a cryptographic hash of that number.
[0035] If the user is not referenced in the global GDB database, the UT terminal user may be asked at the time of purchase to provide the required identification and payment data, for example by connecting to a website indicated in the ST store.
[0036] Thanks to these provisions, a user entering the ST store can be perfectly identified, and his payment data is available to carry out a payment transaction.
[0037] Note that steps S5 to S9 can only be executed if the distance DT is less than a distance threshold value. This provision prevents a user who does not enter the store from being unnecessarily listed in the LST list.
[0038] Figure 4 represents steps SI 1 to S20 of a transaction process executed to allow a user to make a purchase in the ST store, according to one embodiment. Steps SI 1 to S20 are executed by a user terminal UT and by the PB terminal, the RT payment terminal, and the LSRV server installed in the store or an ST vending machine.
[0039] In step SI 1, the user approaches the store checkout near the distance measurement terminal PB. The presence of the user's terminal UT within the radio range of the PB terminal's first communication interface C0M1 is detected by the terminal. Steps SI 1 to S14 can be identical to steps SI to S4. Thus, at the end of step S14, the PB terminal has the user's T identifier UID and the distance measurement DT with the UT terminal. In step S15, the PB terminal transmits the user's UID and the distance DT to the local LSRV server. In step S16, the LSRV server stores the received distance DT in association with the received UID in the LST list. The LST list can be cleared each time the store closes or reopens, or periodically, by removing records that have been on the list for more than a certain period, for example, one hour or half a day.At step S16, the LST server transmits the list. LST to the RT payment terminal. Thus, steps SI 1 to S16 allow the LST list stored by the payment terminal to be updated as users present themselves at the checkout.
[0040] Step S17 is triggered by a cashier following the validation of a transaction amount or by a user following the validation of a shopping list and when a distance DT stored in the LST list is less than a threshold value TH2. Prior to this, the user goes to the checkout with items to purchase or selects one or more items from a vending machine. The RT payment terminal receives transaction data TT including a transaction amount calculated based on the registered items. Upon validation of the transaction data TT, the RT payment terminal consults the LST list to determine the UID of the user present at the checkout and the associated UPD payment data, to be used for the payment transaction.For this purpose, the LST list element associated with a distance DL less than the TH2 threshold value is selected because it a priori corresponds to the user located in front of the cash register. The UPD payment data of the selected list element is then used to perform the payment transaction.
[0041] According to one embodiment, the user identifier selected in step S17 can be the one associated with the smallest distance DT, i.e., corresponding to the user closest to terminal PB. For this purpose, the LST list can be ordered according to the distances DT associated respectively with the UID identifiers in the list.
[0042] In step S18, during the payment data selection process, the RT payment terminal issues a payment request RQ[UPD,TT] containing the selected UPD payment data and TT transaction data, including a transaction amount. The RQ payment request is transmitted to the LSRV server. In step S19, the LSRV server receives the RQ request, executes the specified payment, and transmits a PRP payment report message containing status data indicating whether the payment was accepted or declined. The payment transaction can be carried out using an internet payment protocol, so the user does not need to enter a bank card PIN. In this case, the payment data in the LST list can include a bank card number, an expiry date, and a verification code, either in plain text or as a cryptographic hash.The PRP report message is received by the RT payment terminal. The RT payment terminal can then display a message indicating the payment status, accepted or declined. At step S20 (following step S18), the LSRV server can also transmit the report message to the user's UT terminal.
[0043] If, at step S17, the LST list does not contain any payment data that can be selected and used, the payment transaction can then be conducted in the conventional manner. Thus, a conventional payment transaction can also be conducted using a bank card payment terminal or by cash deposit.
[0044] In the event that UPD payment data is not selected at step S17, the user may also be asked to provide identification and payment data, for example by logging into the ST store website and returning to the vicinity of the EB entry terminal so that his identification and payment data can be loaded into the LST list.
[0045] The transaction process just described thus makes it possible to carry out a transaction without any particular action on the part of the user, apart from presenting themselves at a cash register or in front of an automatic dispenser with a terminal compatible with the protocols implemented by the first and second communication interfaces C0M1, COM2 and with a distance measurement application implementing these protocols.
[0046] Note that due to the high accuracy of the distance measurements carried out according to the UWB protocol (on the order of 10 cm), the fact that a user terminal is detected at a short distance from the PB terminal implies that no other user can be between the cash register and the user whose UT terminal is associated with the payment data thus selected in the LST list.
[0047] However, user authentication can be implemented, for example in step S17, to authorize the use of the selected UPD payment data and to complete the payment transaction. Thus, the identification data associated with the selected UPD payment data may include a biometric fingerprint. Furthermore, the user may be prompted during payment to enter biometric information corresponding to the biometric fingerprint, using a suitable BS sensor. The biometric information to be entered by the user may be one of the following: a fingerprint of one or more fingers, a palm print, a facial image, a voice recording, or a photograph of the iris of one or both eyes.Following the entry of biometric information, a fingerprint of this information is calculated and compared with the one contained in the identification data associated with the selected UPD payment data in the LST list. The user is thus authenticated if the biometric fingerprint obtained matches that of the selected LST item.
[0048] Registration steps may be provided to register a user not referenced in the GDB database. This step may be carried out using the user's terminal or at the transaction site by means of a registration terminal. For this purpose, the registration terminal includes a bank card reader, a A communication interface with a user terminal, for example, of the BLE type, and optionally a biometric data entry interface. The biometric data entry interface could be, for example, a fingerprint or palm print sensor, or an image sensor to capture an image of the face or the iris of one or both eyes. The enrollment terminal can be configured to detect and establish communication with a nearby user terminal and retrieve the terminal's UID, which will be used by the process described above. After obtaining the terminal ID, the enrollment terminal can prompt the user to insert a bank card into the reader and enter their biometric data via the biometric data entry interface.The enrollment terminal can also be configured to generate a cryptographic hash of the card data read by the reader, and a cryptographic hash of the biometric data acquired by the biometric data entry interface. The enrollment terminal can further be configured to connect to the GSRV server and transmit the UID, the card hash, and the biometric hash to update the GDB database for subsequent transactions. All transmitted data can be encrypted before transmission to the server.
[0049] Furthermore, the distance measurements DT taken by the terminal PB and stored in the list LST can be updated, for example periodically.
[0050] According to one embodiment, the data exchanged between the RT payment terminal, the EB, PB terminals and the LSRV server are encrypted in order to ensure the integrity and confidentiality of the transmitted data.
[0051] Figures 5A and 5B illustrate SS-TWR ("Single Sided - Two Way Ranging") and DS-TWR ("Double Sided - Two Way Ranging") distance calculation modes that can be used to measure the distance between the user terminal UT and the terminal EB or PB. Messages exchanged between the terminal EB, PB, and the UT terminal pass through the second communication interfaces COM2 of the terminal and the terminals EB, PB. In the SS-TWR calculation mode shown in Figure 5A, the terminal EB, PB sends a distance measurement request message M1 to the UT terminal, and the terminal sends a distance measurement response message M2 to the terminal EB, PB. The distance DT between the UT terminal and the terminal EB, PB can be evaluated using the following equation:
[0052] DT = C.(T1' — Tl) / 2, (1)
[0053] in which Tl is the time elapsed between the moment of receipt of message Ml by terminal UT and the moment of transmission of message M2 by terminal UT, Tl' is the time elapsed between the moment of transmission of message Ml by terminal EB, PB and the moment of reception of message M2 by terminal EB, PB, and C is the speed of Propagation of electromagnetic waves in air. The time of flight (Tl' - Tl) / 2 (= (TOFl+TOF2) / 2) corresponds to the average of the transmission time TOF1 of message Ml and the transmission time TOF2 of message M2 between terminal UT and terminal EB, PB. The duration Tl is transmitted by the terminal to terminal EB, PB in message M2 or in a subsequent message. Of course, the distance DT can be transmitted as a time of flight, since the distance DT can be deduced from the time of flight by multiplying by the constant factor C.
[0054] In the DS-TWR calculation mode of Figure 5B, the terminal UT sends a distance measurement request message M3 to the terminal EB, PB. The terminal EB, PB sends a distance measurement response message M4 back to the terminal, and the terminal sends a distance measurement response message M5 back to the terminal. The distance DT between the terminal UT and the terminal EB, PB can be evaluated using the following equation:
[0055] DT = C.(T3'.T4' - T3.T4) / (2.(T3+T4+T3'+T4')), (2)
[0056] in which T3 is the time elapsed between the time of receipt of message M3 by terminal EB, PB and the time of transmission of message M4 by terminal EB, PB, T3' is the time elapsed between the time of transmission of message M3 by terminal UT and the time of reception of message M4 by terminal UT, T4 is the time elapsed between the time of reception of message M4 by the terminal and the time of transmission of message M5 by the terminal, and T4' is the time elapsed between the time of transmission of message M4 by terminal EB, PB and the time of reception of message M5 by terminal EB, PB. The times T3' and T4 can be transmitted by terminal UT to terminal EB, PB in message M5 or in a subsequent message.Messages M4 and M5 can correspond to messages M1 and M2 respectively, and message M3 can correspond to the activation response message transmitted by the user terminal UT in response to the UWB interface activation request message issued by terminal EB, PB.
[0057] In Figures 5A, 5B, the roles of the UT terminal and the EB, PB terminal can be reversed, and the UT terminal can evaluate the distance DT and transmit it to the EB, PB terminal, for example via the BLE link. Thus, the distance measurements DT can be performed at steps S4 and S14 by the user terminal UT and transmitted to the EB or PB terminal via the first or second communication interface C0M1, COM2.
[0058] It will be evident to those skilled in the art that the present invention is susceptible to various embodiments and applications. In particular, the invention is not limited to conducting payment transactions, but can be applied to other types of transactions, such as transactions involving a transit card. The invention can also be applied to controlling paid access to areas such as a performance hall, an amusement park, or a boarding area. in a means of transport (car, train, plane, boat), etc. In such cases, only identification of the card may suffice.
Claims
1. Demands 1. Transaction method comprising steps consisting of: issuing by a first communication interface (C0M1) of a first terminal (EB) and a second terminal (PB), an activation request (RQA) of a second communication interface (COM2), of type "Ultra Wide Band", the first communication interface consuming less energy in a standby state than the second communication interface; receive by the first communication interface of the terminal (EB, PB) issuing the activation request, an activation response containing a user terminal identifier (UID), issued in response to the activation request by a first communication interface of a user terminal (UT); issue a request (M1, M4) for distance measurement, via the second communication interface of the receiving terminal (EB, PB) of the activation response; receive a response (M2, M5) of distance measurement from the user terminal by the second communication interface of the terminal (EB, PB) issuing the distance measurement request; determine a distance (DT) between the user terminal and the receiving terminal of the distance measurement response, based on a transmission time (TOF1) of the distance measurement request and / or a transmission time (TOF2) of the distance measurement response; when the distance between the user terminal and the first beacon (EB) is less than a first threshold value (TH1), transmit by the first beacon to a remote server (GSRV) a request (RQ[UID]) for user identification data containing the user terminal identifier; receive from the remote server, via the first terminal, and store identification and payment data (UPD) in response to the identification data request; and when the distance between the user terminal and the second terminal (PB) is less than a second threshold value, issue a payment request (PRQ) via a transaction terminal (RT) containing identification data and transaction data (TT), the process comprising steps of capturing biometric information, calculating a biometric fingerprint from the captured biometric information, and comparing the calculated biometric fingerprint with a biometric fingerprint in the stored identification data, the payment request (PRQ) being issued only if the calculated biometric fingerprint matches a biometric fingerprint in the stored identification data (UPD), the user identification and payment data request (RQ[UID]) being transmitted to a remote server (GSRV) which transmits in response the identification and payment data (UPD) corresponding to the user terminal identifier (UID), the identification and payment data being stored locally (LST) for a limited period,the method further comprising steps of constructing a list (LST) of user terminals (UTs) that have transmitted an activation response, each element of the list comprising a user terminal identifier (UID) associated with the user's identification and payment data (UDP) and the distance (DT) between the user terminal and the second terminal (PB).
2. A method according to claim 1, wherein the identification data transmitted in the payment request (PRQ) are those of an element of the list (LST) associated with the smallest distance (DT).
3. 3. Method according to claim 1 or 2, wherein the list (LST) is periodically cleared or when all users whose terminal identifiers are in the list are no longer present near one of the first and second terminals (EB, PB).
4. 4. A method according to any one of claims 1 to 3, wherein the first communication interface (C0M1) is of the "Bluetooth Low Energy" or WiFi™ type.
5. 5. A method according to any one of claims 1 to 4, wherein the distance measurement is determined: on the basis of an average value of the transmission time (TOF1) of the distance measurement request and the transmission time (TOF2) of the distance measurement response, or as a function of the transmission time of the distance measurement request and the transmission time of the distance measurement response. distance, and the transmission time of the activation response transmitted by the user terminal (UT).
6. 6. A method according to any one of claims 1 to 5, wherein when the distances (DT) measured by the first terminal (EB) are greater than the second threshold value (TH1) and a transaction is to be carried out, the method comprises steps of: acquiring payment data via a bank card reader, and issuing by a transaction terminal (RT) a payment request containing the acquired payment data and the transaction data (TT); and / or transmitting to the user a message inviting them to provide identification and payment data to the remote server (GSRV).
7. 7. System comprising a first terminal (EB), a second terminal (PB), a transaction terminal disposed near the second terminal, a local server (LSRV) in communication with a remote server (GSRV), and connected to the transaction terminal and to the first and second terminals, the first and second terminals comprising a first communication interface (COM1) and a second communication interface (COM2) of the "Ultra Wide Band" type, the first communication interface consuming less energy in a standby state than the second communication interface, the system being configured to implement the method according to any one of claims 1 to 6 with a user terminal (UT) within radio range of either of the first and second terminals.
8. 8. System according to claim 7, comprising a biometric data sensor (BS) coupled to the transaction terminal (RT).