Device and method for implementing a transaction on a payment terminal

Abstract

Device (1) for implementing a transaction on a payment terminal (2), the device (1) being configured to be connected to said payment terminal (2), the device (1) comprising: - a biometric sensor (13) configured to acquire candidate biometric data on a biometric trait of a user;- data processing means (11) configured to, if said candidate biometric data coincide with reference biometric data of a reference individual: - obtain payment data relating to a dematerialized bank card of said user in a payment database comprising, for each of a plurality of reference individuals, payment data relating to a dematerialized bank card of said reference individual and - transmit to the payment terminal (2), the payment data so as to implement said transaction in a manner simulating the use of said dematerialized bank card. Figure for the abstract: Figure 1.;

Description

Title of the invention: Device and method for implementing a transaction on a payment terminal. FIELD OF THE INVENTION

[0001] The present invention relates to the field of implementation of payment transactions, more specifically by means of biometric data. STATE OF THE ART

[0002] A user can make a payment using a smartphone, the smartphone storing a virtual bank card. By entering a code on their smartphone, the user can access the virtual card, and the smartphone simulates the card so that, by placing the smartphone near a payment terminal, a transaction can be completed via near-field communication (e.g., NFC). Alternatively, the user can access the virtual card not by entering a code on their smartphone but by presenting a biometric, for example, their face, to the smartphone (more precisely, to the smartphone's camera lens). If the presented biometric matches a reference biometric of the smartphone's owner, the smartphone simulates the bank card, and the transaction can be processed.However, this payment solution requires the user to have their smartphone with them if they wish to complete a transaction.

[0003] Payment terminals used by merchants are also known, enabling payment by means of biometric data. For example, the user presents the palm of their hand to the payment terminal, which determines the user's bank details using data related to the palm, thus completing the transaction. However, this solution requires the use of a specific payment terminal, and it would be complicated, uneconomical, and environmentally unfriendly to change all merchant terminals simply to implement biometric transactions directly on the terminal.

[0004] The present invention aims to solve the problems presented. Description of the invention

[0005] An object of the invention is to provide a solution for implementing a payment transaction using biometrics directly at a payment terminal, without the user needing a device (for example, their smartphone), which is less complicated, more economical and more environmentally friendly to implement.

[0006] According to a first aspect, a device is proposed for implementing a transaction on a payment terminal, the device being configured to be connected to said payment terminal, the device comprising:

[0007] - a biometric sensor configured to acquire biometric data candidates based on a user's biometric trait;

[0008] - data processing means configured to, if said data candidate biometrics coincide with reference biometric data of a reference individual:

[0009] - obtain payment data relating to a dematerialized bank card said user in a payment database comprising, for each of a plurality of reference individuals, payment data relating to a dematerialized bank card of said reference individual and

[0010] - to send payment data to the payment terminal so as to put in to carry out the said transaction in such a way as to simulate the use of said dematerialized bank card.

[0011] According to advantageous and non-limiting features, taken alone or in any combination: - the payment database includes, for each of the plurality of reference individuals, biometric reference data of the reference individual associated with payment data relating to a dematerialized bank card of the reference individual; - the payment database includes, for each of the plurality of reference individuals, a reference individual identifier associated with the payment data relating to a dematerialized bank card of the reference individual and in which the means of data processing are configured to obtain the user identifier in an identifier database including, for each of the plurality of reference individuals, a reference individual identifier associated with the reference biometric data of the reference individual; - the data processing means are configured to compare candidate biometric data with reference biometric data stored in a reference database, said reference database storing, for each of a plurality of reference individuals, reference biometric data, so as to determine whether the candidate biometric data coincide with reference biometric data of a reference individual; - the data processing means are configured so that the payment data obtained is that associated with the reference biometric data which coincides with the candidate biometric data; - the biometric feature is a palm of a hand, a finger, a vascular network of a hand, an iris and / or a face; - the data processing module is adapted to issue payment data via near field communication technology; - The device is configured to be mounted on the payment terminal.

[0012] According to a second aspect, a system is proposed comprising a payment terminal and a device as previously presented configured to communicate with each other.

[0013] According to a third aspect, a method for implementing a transaction on a payment terminal is proposed, comprising the following steps implemented by the device as presented above:

[0014] a) acquisition, by the biometric sensor, of candidate biometric data of a user;

[0015] b) determination, from the candidate biometric data, of payment data relating to a dematerialized bank card of said user;

[0016] c) transmission, to the payment terminal, of payment data in such a way as to simulate the use of said dematerialized bank card.

[0017] According to advantageous and non-limiting features, taken alone or in any combination:

[0018] - the method includes a step d), implemented by the payment terminal, receiving payment data and using payment data to implement the transaction;

[0019] - step b) includes a step bl) of comparing biometric data candidates with reference biometric data so as to determine if the candidate biometric data coincide with reference biometric data of a reference individual. DESCRIPTION OF THE FIGURES

[0020] Other features and advantages of the present invention will become apparent from the following description of a preferred embodiment. This description will be given with reference to the accompanying figures, including:

[0021] - Fig. 1 represents a system comprising a payment terminal and a device to implement a transaction on the payment terminal;

[0022] - Figure 2 schematically illustrates a payment database according to a method of realization;

[0023] - Figure 3 schematically illustrates a payment database according to another implementation method and an identifier database;

[0024] - [Fig. 4] represents the steps of a process for implementing a transaction on a payment terminal using the device. DETAILED DESCRIPTION OF THE INVENTION Device

[0025] With reference to [Fig. 1], a device 1 is proposed for implementing a transaction on a payment terminal 2.

[0026] Device 1 is configured to be connected to payment terminal 2.

[0027] The payment terminal 2 is, in general, a terminal enabling an operation related to a financial transaction.

[0028] Payment terminal 2 is, for example, an electronic payment terminal (POS) commonly found at merchants, for example in supermarkets. Payment terminal 2 can be configured to allow payment processing or to take a card imprint (for example, in the case of a car rental).

[0029] The payment terminal 2 can be a cash withdrawal terminal, for example an automated teller machine (ATM).

[0030] The payment terminal 2 can be a smartphone.

[0031] Advantageously, the payment terminal 2 includes a near-field communication module, for example an NFC module, and the payment terminal 2 is configured to allow the transaction to be carried out via near-field communication technology. In practice, existing electronic payment terminals (POS terminals) are equipped with an NFC module to implement contactless payments.

[0032] As explained, device 1 is configured to be connected to payment terminal 2. By connected, it is understood that device 1 is configured to be connected to payment terminal 2 so as to allow data communication between device 1 and payment terminal 2.

[0033] Device 1 can be configured to be connected to payment terminal 2 wirelessly, for example via near field communication technology.

[0034] Alternatively or in addition, device 1 can be configured to be connected to payment terminal 2 by wire.

[0035] Device 1 is advantageously suited to be placed near the payment terminal 2. By "near," it is understood that device 1 is placed preferably at a distance of less than 10 cm, or even less than 5 cm, or even less than 2 cm from payment terminal 2.

[0036] Preferably, the device 1 is configured to be mounted on the payment terminal 2. In other words, the device 1 is configured to be physically connected to the payment terminal 2. In yet another way, the device 1 is configured to be permanently attached to the payment terminal 2. For example, the device 1 can be configured to be clipped or screwed onto the payment terminal 2. According to one embodiment, the device 1 is configured to be removably attached to the payment terminal 2 so that the device 1 can be, for example for maintenance purposes, detached from the payment terminal 2.

[0037] Device 1 can be confused with payment terminal 2.

[0038] Device 1 is advantageously uniquely associated with payment terminal 2. In other words, device 1 is not personal to the user who wishes to carry out the transaction. Device 1 is not associated with a user but is associated with a payment terminal. Device 1 is used to implement transactions for multiple users. Device 1 is linked to (i.e., belongs to) the store to which payment terminal 2 also belongs.

[0039] The device 1 includes a biometric sensor 13 configured to acquire candidate biometric data on a user's biometric trait.

[0040] The biometric feature may, for example, be a palm, a finger, a vascular network of a hand, an iris, and / or a face. The iris is the iris of the eye. The iris is a circular, contractile membrane on the anterior surface of the eyeball and constitutes the visible colored part of the eye.

[0041] The biometric sensor 13 may include, for example, a camera, a fingerprint sensor (for example, a fingerprint sensor) and / or an infrared emitter (in particular to highlight hemoglobin in veins), etc.

[0042] Candidate biometric data characterize the biometric trait. For example, according to a certain biometric data acquisition technology, if the biometric trait is a vascular network of a hand, the candidate biometric data includes coordinates of points of intersection between the veins. These points, if a sufficient number are detected, allow the user to be identified. A person skilled in the art is familiar with the various techniques for acquiring candidate biometric data on a biometric trait.

[0043] Candidate biometric data are called "candidate" because they aim to identify the user and, for this purpose, aim to be compared to reference biometric data which are associated with reference individuals.

[0044] Device 1 further includes data processing means 11. Data processing means 11 advantageously includes a processor.

[0045] Advantageously, the data processing means 11 are configured to compare the candidate biometric data with the reference biometric data so as to determine whether the candidate biometric data coincide with the reference biometric data of a reference individual. For this purpose, advantageously, the data processing means 11 are configured to access a reference database 19, illustrated in [Fig. 2] and 3, storing, for each of a plurality of reference individuals, reference biometric data (RBD).

[0046] Device 1 may include a memory which stores the reference database 19 or the reference database 19 may be external to device 1, for example be included in an external server.

[0047] The external server storing the reference database 19 can, according to another embodiment, be configured to compare the candidate biometric data with the reference biometric data in order to determine whether the candidate biometric data matches the reference biometric data of a reference individual. In this case, advantageously, the data processing means 11 are configured to transmit the candidate biometric data to the external server.

[0048] Advantageously, the reference individuals have previously enrolled so as to provide reference biometric data to the reference database 19. In one embodiment, the enrollment comprises the acquisition of reference biometric data on a biometric trait of the reference individuals by a biometric sensor. It will be seen later that, advantageously, this enrollment comprises the provision, by the reference individuals, of reference biometric data and payment data relating to a dematerialized bank card.

[0049] Preferably, the data processing means 11 are therefore configured to obtain candidate biometric data acquired by the biometric sensor 13 and compare this candidate biometric data with the reference biometric data stored in the reference database 19. If reference biometric data having a sufficient level of similarity with the candidate biometric data are found, then the data processing means 11 select this reference biometric data as coinciding with the candidate biometric data.

[0050] In practice and preferably, the data processing means 11 are configured to obtain, after comparison, at most the reference biometric data of a single reference individual. In other words, the data processing means 11 are advantageously configured to identify a single reference individual from the user's candidate biometric data.

[0051] The comparison may result in the determination of no reference biometric data. In other words, no reference individual corresponds to the user.

[0052] The methods for comparing biometric data are known to a person skilled in the art.

[0053] The data processing means 11 are configured to, if the candidate biometric data coincide with reference biometric data of a reference individual, obtain payment data relating to a dematerialized bank card of the user.

[0054] Advantageously, the data processing means 11 are configured to obtain the payment data which are those associated (directly or indirectly as will be described later) with the reference biometric data which coincide with the candidate biometric data.

[0055] To this end, the data processing means 11 are configured to access a payment database 15 comprising, for each of a plurality of reference individuals, payment data relating to a dematerialized bank card of said reference individual. Two embodiments of the payment database 15 storing payment data DP are illustrated in Figures 2 and 3.

[0056] The device 1 includes, according to one embodiment, a memory which includes the payment data database 15.

[0057] Alternatively, the payment database 15 is not stored in device 1. For example, it may be stored on an external server. In this case, device 1 is configured to access the contents of the payment database 15 via a wired or wireless connection.

[0058] Reference individuals are individuals who have previously completed an enrollment process that links reference biometric data to payment data related to a digital bank card. Enrollment may have been carried out, for example, with a bank or merchant, possibly via a website or mobile application. Each reference individual has acquired biometric data for at least one of their biometric features and has entered payment data related to a digital bank card.

[0059] Advantageously, the reference biometric data acquired during this enrollment are also recorded in the reference database 19.

[0060] Payment data relating to a digital bank card makes it possible to identify the digital bank card and, in particular, to simulate it. In other words, payment data relating to a digital bank card is data that makes it possible to emulate the digital bank card.

[0061] A dematerialized bank card can be a virtual bank card, that is, a bank card that exists only in a dematerialized format. A dematerialized bank card can be a digital bank card, that is, a bank card that is a copy of a physical bank card.

[0062] The dematerialized bank card can be a disposable virtual bank card (i.e., temporary, ephemeral), that is, a bank card intended for use only for one or a limited number of transactions and which self-destructs once the limited number of transactions is / are carried out using this disposable virtual bank card. In this case, when a reference individual is enrolled, one or more disposable dematerialized bank cards are generated. Thus, a reference individual can carry out a number of transactions equal to the number of disposable dematerialized bank cards generated during enrollment.When all the disposable digital bank cards have been used, the individual will need to carry out a procedure to generate new disposable digital bank cards so that the payment data relating to these cards can be recorded and associated with the individual's reference biometric data.

[0063] Payment data relating to a dematerialized bank card can be associated with reference biometric data directly or indirectly.

[0064] According to a so-called "direct" embodiment illustrated in [Fig. 2], the database 15 comprises, for each of the plurality of reference individuals, reference biometric data (DBR) of the reference individual associated with payment data relating to a dematerialized bank card (DP) of the reference individual. In other words, the payment data relating to a dematerialized bank card are directly associated with reference biometric data. This facilitates data storage, as only one database is required (database 15).

[0065] According to this “direct” embodiment, advantageously and as illustrated in [Fig.2], the reference database 19 is merged into the payment database 15. Indeed, the payment database 15 includes reference biometric data, so the comparison between the candidate biometric data and the reference biometric data can be carried out with the reference biometric data of the payment database 15.

[0066] According to this “direct” embodiment, the data processing means 11 are configured to obtain payment data relating to a dematerialized bank card of the user directly from the payment database 15, from the biometric reference data specific to the user.

[0067] According to another, so-called "indirect" embodiment illustrated in [Fig. 3], the payment database 15 comprises, for each of the plurality of individuals ofA reference database contains an ID identifier of the reference individual associated with the payment data related to a digital bank card (DP) of the reference individual. In other words, it is not the reference biometric data that is directly associated with the payment data related to a digital bank card. The payment data related to a digital bank card is associated with an identifier of the reference individual, which allows for the identification of the individual's reference biometric data. An identifier database 17 includes, for each of the plurality of reference individuals, an ID identifier of the reference individual associated with the reference biometric data (DBR) of the reference individual. The identifiers present in the payment database are, in principle, also found in the identifier database.This identifier may have been automatically created during the enrollment of the reference individuals, following the acquisition of their biometric data and payment data related to a digital bank card. This implementation provides greater security for payment data related to a digital bank card.

[0068] According to this "indirect" embodiment, advantageously and as illustrated in [Fig.3], the reference database 19 is confused with the identifier database 17. Indeed, the identifier database 17 includes reference biometric data, so the comparison between the candidate biometric data and the reference biometric data can be carried out with the reference biometric data of the identifier database 17.

[0069] According to this "indirect" embodiment, the data processing means 11 are configured to obtain the payment data relating to the user's dematerialized bank card in two steps. The data processing means 11 are configured to first determine the reference individual identifier corresponding to the user in the identifier database 17 using reference biometric data that matches the user's candidate biometric data. The data processing means 11 are then configured to obtain, from the identifier, the payment data relating to the user's dematerialized bank card in the payment database 15.

[0070] The identifier database 17 can be stored in a memory of device 1. Alternatively, the identifier database 17 may not be stored in device 1, it is for example stored in an external server.

[0071] According to an advantageous embodiment, the identifier database 17 is stored in a memory of the device 1 and the payment database is not stored in the device 1.

[0072] The data processing means 1 are therefore configured to determine payment data relating to a dematerialized bank card which belongs to the user on whom candidate biometric data have been acquired, the user therefore wishing in practice to implement a transaction on the payment terminal 2.

[0073] The data processing means 11 are further configured to transmit, to the payment terminal 2, the payment data relating to the dematerialized bank card in order to implement the transaction. In this way, the dematerialized bank card is simulated. The device 1 deceives the payment terminal 2 into believing that a dematerialized bank card is being used to implement the transaction.

[0074] Advantageously, the data processing means 11 transmit the payment data via near-field communication (NFC) technology. Thus, the device 1 acts in the same way as a physical bank card used for contactless payment or in the same way as a smartphone simulating a dematerialized bank card.

[0075] It should be noted that device 1 of the invention differs in particular from a smartphone simulating a dematerialized bank card in that device 1 implements user identification whereas the smartphone only implements authentication to carry out a transaction.

[0076] The data processing means 11 can transmit payment data in other ways, for example by wired connection or by Wi-Fi.

[0077] Device 1 thus makes it possible to implement the transaction, which is for example a purchase in a supermarket. System

[0078] With reference to [Fig. 1], a system 100 is proposed comprising a payment terminal 2 and a device 1 as previously described. The payment terminal 2 and the device 1 are configured to communicate with each other, preferably via near-field communication technology.

[0079] As explained previously, device 1 can be placed near payment terminal 2.

[0080] Alternatively, device 1 is mounted on payment terminal 2. In other words, device 1 is physically linked to payment terminal 2.

[0081] Alternatively, device 1 is confused with payment terminal 2. In other words, payment terminal 2 is manufactured so as to be equipped with device 1. In other words, payment terminal 2 and device 1 form the same object.

[0082] According to one embodiment, the device 1 is integrated into the payment terminal 2. Device 1 and payment terminal 2 therefore share the same physical casing. Payment terminal 2 can be an existing terminal to which the biometric sensor 13 and a processor corresponding to the data processing means 11 of device 1 have been added. Alternatively, payment terminal 2 can be an existing terminal to which the biometric sensor 13 and a software module corresponding to the data processing means 11 of device 1 have been added, the software module being added by updating the processor of the existing terminal. Process

[0083] With reference to [Fig.4], a method for implementing a transaction on the payment terminal 2 is proposed.

[0084] Advantageously, the payment terminal 2 is in a configuration that allows the receipt of payment data. In other words, the payment terminal waits for a payment method to be presented to it before the transaction is processed.

[0085] The method includes a step a) of acquiring, by the biometric sensor 13, candidate biometric data of a user.

[0086] Then, in a step b) the data processing means 11 of the device 1 determine, from the candidate biometric data, payment data relating to a dematerialized bank card of said user.

[0087] For this purpose, in a step bl), the data processing means 11 advantageously compare the candidate biometric data with reference biometric data so as to determine whether the candidate biometric data coincide with reference biometric data of a reference individual.

[0088] Then, in a step c), the data processing means 11 send, to the payment terminal 2, the payment data determined in step b). The data processing means 11 therefore simulate the dematerialized bank card.

[0089] In a step d), the payment terminal 2 receives the payment data and uses this payment data to implement the transaction. The transaction is therefore completed.

Claims

Demands

1. Device (1) for implementing a transaction on a payment terminal (2), the device (1) being configured to be connected to said payment terminal (2), the device (1) comprising: - a biometric sensor (13) configured to acquire candidate biometric data on a biometric trait of a user;- data processing means (11) configured to, if said candidate biometric data coincide with reference biometric data of a reference individual: - obtain payment data relating to a dematerialized bank card of said user in a payment database (15) comprising, for each of a plurality of reference individuals, payment data relating to a dematerialized bank card of said reference individual and - transmit to the payment terminal (2), the payment data so as to implement said transaction in such a way as to simulate a use of said dematerialized bank card.

2. Device (1) according to claim 1, wherein the payment database (15) includes, for each of the plurality of reference individuals, reference biometric data of the reference individual associated with payment data relating to a dematerialized bank card of the reference individual.

3. Device (1) according to claim 1, wherein the payment database (15) comprises, for each of the plurality of reference individuals, a reference individual identifier associated with the payment data relating to a dematerialized bank card of the reference individual and wherein the data processing means (11) are configured to obtain the user identifier in an identifier database (17) comprising, for each of the plurality of reference individuals, a reference individual identifier associated with the reference biometric data of the reference individual.

4. Device (1) according to any one of claims 1 to 3, wherein the data processing means (11) are configured to compare candidate biometric data with reference biometric data stored in a reference database (19), said reference database (19) storing, for each of a plurality of reference individuals, reference biometric data, so as to determine if the candidate biometric data coincide with reference biometric data of a reference individual.

5. Device (1) according to any one of claims 1 to 4, wherein the data processing means (11) are configured so that the payment data obtained are those associated with the reference biometric data which coincide with the candidate biometric data.

6. Device (1) according to any one of claims 1 to 5, wherein the biometric feature is a palm of a hand, a finger, a vascular network of a hand, an iris and / or a face.

7. Device (1) according to any one of claims 1 to 6, wherein the data processing module (11) is adapted to emit payment data via near field communication technology.

8. Device (1) according to any one of claims 1 to 7, device (1) being configured to be mounted on the payment terminal (2).

9. System (100) comprising a payment terminal (2) and a device (1) according to any one of claims 1 to 8 configured to communicate with each other.

10. A method for carrying out a transaction on a payment terminal (2), comprising the following steps carried out by the device (1) according to any one of claims 1 to 8: a) acquisition, by the biometric sensor (13), of candidate biometric data of a user; b) determination, from the candidate biometric data, of payment data relating to a dematerialized bank card of said user; c) transmission, to the payment terminal (2), of the payment data so as to simulate a use of said dematerialized bank card.

11. Method according to claim 10, comprising a step d), implemented by the payment terminal (2), of receiving payment data and using payment data to implement the transaction.

12. A method according to any one of claims 9 and 10, wherein step b) includes a step bl) of comparing candidate biometric data with reference biometric data so as to determine whether the candidate biometric data coincide with reference biometric data of a reference individual.

Images