Electronic payment methods
The method addresses the inefficiencies of bank card payments by using transaction fingerprints and direct debit, providing a secure, fast, and simplified payment solution that reduces fraud and transaction times.
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- DELUPAY
- Filing Date
- 2024-06-14
- Publication Date
- 2026-06-22
AI Technical Summary
Existing bank card payment systems are cumbersome, costly, vulnerable to fraud, and require complex authentication processes, leading to increased transaction times and cart abandonment rates, while smartphone-based solutions still inherit these drawbacks.
A method that eliminates the need for bank cards by using a settlement server to generate transaction fingerprints, which are verified through customer terminals, allowing direct debit transactions without prior account recharging, and utilizing QR codes, NFC, or BLE tags for secure and fast payments.
This approach simplifies and secures transactions, reduces transaction times to under two seconds, eliminates intermediaries, and enhances security by using device-based authentication, thereby reducing fraud and streamlining payment processes.
Smart Images
Figure 2026520222000001_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of electronic payment, and more particularly to an electronic payment method that does not require a bank card.
Background Art
[0002] Payment by bank card is known, in which a customer presents their bank card to a seller's electronic payment terminal (EPT).
[0003] However, payment by bank card has several drawbacks for both sellers and customers. For sellers: · High transaction costs · Require many intermediary parties · Lead to relatively long transactions (about 15 seconds) · Are vulnerable to significant bank card fraud · Require a payment terminal (leased or purchased) to accept bank card payments · The 3DSecure (registered trademark) system and strong authentication requirements for verifying payments complicate online payments. · The complexity causes friction and increases the cart abandonment rate during payment, resulting in a decrease in sales for e-commerce operators or sellers. - For customers: · Annual payments are required depending on the type of bank card · There may be a fee for cash withdrawals · In some sellers, bank cards may be accepted within a limited range (minimum amount requirement) · Bank cards have limits on payments and withdrawals · Cannot make private person-to-person payments · Cannot manage installment or instant debit with the same card · There is a payment limit for contactless payments.
[0004] To avoid using bank cards, smartphone-based solutions are beginning to emerge. These solutions allow for the dematerialization of bank cards, but they still have the drawbacks of bank card payments.
[0005] The payment system needs to be simplified by abolishing the bank card payment system. [Overview of the Initiative] [Problems that the invention aims to solve]
[0006] The objective of the present invention is to provide a simple, fast, and secure payment and receipt solution that does not require a bank card, for both physical and online payments. [Means for solving the problem]
[0007] For this purpose, the present invention provides the following steps, implemented by the settlement server according to a first aspect: A step of receiving a transaction message from the seller's terminal, wherein the transaction message includes the sales amount to the customer, and the sales amount was entered using the seller's terminal. A step of generating a transaction fingerprint from a received transaction message, wherein the fingerprint includes the sales amount and the seller's identification information known to the settlement server in a format obtainable by the customer terminal's acquisition means. A step of sending the generated fingerprint to a seller terminal, the seller terminal being configured to display the fingerprint to a customer terminal, A step of receiving a sales message from a customer terminal, wherein the sales message includes an item relating to the transaction amount and an item relating to the seller's identification information, and the sales message is generated by the customer terminal after obtaining a transaction fingerprint by the customer terminal, authenticating the customer, and verifying the transaction by the customer on the customer terminal. We offer payment methods including [specific payment methods].
[0008] In addition, this method is implemented by the payment server in the following steps: The steps include comparing the transaction amount with the payment capacity included in the customer account stored on the settlement server, If the transaction amount is less than the ability to pay, The process involves sending a message to a central server to transfer the transaction amount, which then deposits the transaction amount minus fees into the seller's trading account, withdraws it from the customer's trading account, and deposits the fees into the central trading account. The steps include sending an instruction to a central server to withdraw the debit balance of the customer's investment account from the customer's bank account (11) to the central bank's central investment account, The steps include sending instructions to transfer the balance from the seller's trading account to the seller's bank account, The steps include receiving notification from the central server that the debit balance of the customer's investment account has been withdrawn, Includes.
[0009] According to the embodiment, the fingerprint is a QR code (registered trademark), a near-field communication tag, a 6-digit numerical code, or a Bluetooth (registered trademark) low-energy communication tag.
[0010] According to the embodiment, if the transaction amount is greater than the payment capacity included in the customer account, a notice of transaction abandonment is sent to the seller's terminal, and a notice of transaction rejection is sent to the customer's terminal.
[0011] According to the embodiment, the withdrawal instruction is sent for each transaction, or periodically according to a given schedule, once a day, or once a month, at the end of the day or the end of the month.
[0012] According to the embodiment, the method is implemented by the customer terminal by the following steps: The steps include obtaining the fingerprint transmitted by the payment server and presented to the customer using the seller's terminal, Steps to authenticate the customer, The step of verifying a customer's transaction via a customer terminal, The step of generating a sales message, The step of sending the sales message to a settlement server, and the like.
[0013] According to an embodiment, the acquisition of a fingerprint triggers the opening of an application stored in the customer terminal, and the application enables the authentication of the customer and the verification of the transaction.
[0014] According to an embodiment, the method includes the following steps implemented by the customer terminal, namely: The step of generating a transaction message including the sales amount, The step of sending the transaction message to a settlement server, The step of presenting the fingerprint received from the settlement server to the customer, and the like.
[0015] According to a second aspect, the present invention relates to a settlement server comprising a processing unit configured to implement the method according to the first aspect of the present invention.
[0016] According to a third aspect, the present invention relates to a settlement method including the following steps implemented by a customer terminal, namely: The step of acquiring a fingerprint transmitted by a settlement server, The step of authenticating a customer, The step of verifying a transaction by a customer, The step of generating a sales message, The step of sending the sales message to the settlement server according to claim 9, and the like.
[0017] According to a fourth aspect, the present invention relates to a settlement method including the following steps implemented by a customer terminal, namely: The step of inputting sales by a seller, the input including the sales amount, Steps include generating a transaction message that includes the sales amount, The steps include sending a transaction message to a settlement server according to a second embodiment, The second step involves presenting the customer with a fingerprint received from a payment server, This includes payment methods.
[0018] According to a fifth aspect, the present invention relates to a computer program product that, when executed by a computer, includes instructions that cause the computer to implement a step of a method according to any one aspect of the present invention.
[0019] According to a sixth aspect, the present invention is an electronic payment method, Steps include entering sales using the seller's terminal, The seller's terminal generates a transaction message including the sales price, The seller's terminal sends the transaction message to the settlement server, The payment server receives a transaction message from the seller's terminal, the transaction message includes the sales amount to the customer, and the process is as follows: A payment server generates a transaction fingerprint from a received transaction message, the fingerprint including the sale amount and the seller's identification information known to the payment server. The steps include sending the generated fingerprint to a merchant terminal configured by the payment server to display the fingerprint to the customer, The steps include: using the seller's terminal to present the fingerprint received from the payment server to the customer; A step of receiving a sales message from a customer terminal, wherein the sales message includes an item relating to the transaction amount and an item relating to the seller's identification information, and the sales message is generated by the customer terminal after obtaining a transaction fingerprint by the customer terminal, authenticating the customer, and verifying the transaction by the customer on the customer terminal. This includes information about electronic payment methods.
[0020] The present invention according to any one of the above embodiments has the following advantages.
[0021] This invention makes it possible to ultimately eliminate the need to use a bank card presented to an electronic payment terminal, even remotely.
[0022] Unlike bank card-based solutions, this invention does not require prior recharging of the account because it operates via direct debit.
[0023] This invention identifies all parties to a transaction and makes the transaction secure.
[0024] By eliminating the need for bank cards, this solution eliminates all the usual intermediaries involved in bank card payments, thus enabling extremely fast settlements.
[0025] This invention enables more secure payments than those made by bank cards: • Use of security elements (PIN code or biometric authentication element) on the owner's device • For payments exceeding a specified amount, for example, 50 euros, use of the owner's application's security elements (PIN code or biometric identification element) The payment amount that does not require a PIN code can be parameterized in the application between 0 euros and a predetermined amount, for example, 50 euros, according to the security requirements desired by each owner. • You no longer need to enter or record your bank code to make online payments. • You do not need to record your bank card in online wallets (such as Apple Pay® or Google Pay®). • Do not transmit sensitive information items about the owner (e.g., account number) to the seller. Specifically, while a bank card is a means of payment that uses the card's identification number (Primary Account Number Code, PAN) to retrieve information from the interbank system, in this invention, it is the seller who provides the payment information items to the customer verifying the transaction. The PAN code is used by fraudsters to link the customer's bank account to the card. Therefore, this invention restricts fraudulent activity.
[0026] The present invention enables customers who have a payment application according to the present invention to manage the withdrawal of their payments by choosing whether or not they wish to switch from deferred withdrawal to immediate withdrawal.
[0027] This invention makes it possible to obtain spending capacity that is determined automatically during the onboarding process, according to one's own resources.
[0028] This invention does not require users to pre-charge their accounts through an application in order to make purchases.
[0029] This invention does not require customers to input transaction amounts. Only the seller is required to input this information. [Brief explanation of the drawing]
[0030] Other features, purposes, and advantages of the present invention will become apparent from the following description, which is purely illustrative and non-limiting, and should be read with reference to the accompanying drawings.
[0031] [Figure 1] This is a diagram of an architecture for implementing the electronic payment method according to the present invention. [Figure 2] This figure shows the steps of the electronic payment method according to the present invention. [Figure 3] This is a diagram of a customer terminal including the screen and area for obtaining a QR code (registered trademark).
[0032] In all figures, similar elements have the same reference number. [Modes for carrying out the invention]
[0033] architecture Figure 1 illustrates an architecture for implementing the electronic payment method according to the present invention.
[0034] Customer C1 accesses the seller C2's sales point PdV to make a purchase. Customer C1 owns an electronic device T1. The electronic device T1 is preferably a smartphone, but can also be any item of a device suitable for connecting to the payment server SP, such as a touch-sensitive tablet, laptop computer, game console, smartwatch, etc.
[0035] The sales point PdV can be an internet site or a physical location. The sales point PdV is specifically embodied as an electronic terminal T2, which is also suitable for connecting to a payment server SP.
[0036] Terminals T1 and T2 may connect to the payment server SP using a wireless connection, such as the internet R. This connection may be implemented via a wired link (e.g., fiber optic, ADSL, network link, etc.), a Wi-Fi type wireless link, or a mobile communication network (3G, 4G, 5G, etc.).
[0037] The payment server SP is typically configured to implement processing and, in this capability, includes one or more electronic control units. Preferably, the payment server SP and terminals T1, T2 are configured to exchange data securely via an internet connection. Advantageously, the payment server SP and terminals T1, T2 are configured to exchange data in a highly secure manner in accordance with communication standards well known to those skilled in the art. Furthermore, the payment server SP includes one or more memories to enable the storage of various types of data.
[0038] To access the payment server SP, a payment application is installed on customer C1's terminal T1, and customer C1 has created a customer account 10 that allows them to use this application.
[0039] Similarly, seller C2 can interact with customer C1's terminal T1 using a dedicated application, and seller C2 has a seller account 20 for accessing the payment server SP. Customer account 10 and seller account 20 are stored by the payment server SP, respectively, and contain all items of information about the customer and seller, enabling tracking of all transactions.
[0040] The customer and seller applications use deep links to enhance transaction security. This limits the risks associated with man-in-the-middle (MITM) and interception attacks, which aim to intercept and alter communications between two parties. This is because customers and sellers never communicate directly with each other, always through the payment server (SP).
[0041] The settlement server SP is associated with and connected to the central server SC of the central bank EC, which enables it to process banking operations, particularly interbank fund transfers via bank transfers. The connection between the central server SC and the settlement server SP is implemented in the same way as the connection between the settlement server SP and terminals T1 and T2. The settlement server SP is associated with the central server SC of the central bank EC, which processes all banking operations.
[0042] Because this relates to an application that enables electronic payments, customer C1 has a customer bank account 11 managed by server S1 of bank E1, and seller has a seller bank account 21 managed by server S2 of seller bank E2.
[0043] Although Figure 1 shows three separate banks, one or more banks may be consecutive, depending on customer and seller preferences.
[0044] To be understood, communication between different servers, the seller's terminal, and the customer's terminal is transmitted over the Internet network R and secured in accordance with standards well known to those skilled in the art. Further details regarding the implemented connections will not be provided.
[0045] Customer C1's terminal T1 and seller C2's terminal T2 may further be configured to communicate with each other using Near Field Communication (NFC) or Bluetooth Low Energy (BLE) communication technology.
[0046] Onboarding As shown above, the electronic payment method described in relation to Figure 2 requires the installation of an application on the customer terminal T1 on the customer C1 side in order to access the payment service. Once the application is installed on the customer terminal T1, customer C1 is onboarded to the service via the application by creating a customer account 10 so that they can access the payment service (step Insc C1).
[0047] To the advantage of the situation, customer onboarding (Step Insc C1) includes the following steps: • Recording the customer's mobile phone number, Where applicable, the customer's postal address will be recorded in accordance with the laws in effect in the country where the service is used (in France, customers are required to enter their taxpayer address in order to access such payment servers); an automated address lookup is provided to streamline this input process. • Record the customer's place of birth. • Checking customer identity: Such checks may include the submission of customer identification documents (ID card, passport, residence permit, driver's license). A copy of the document can be made using the customer's device camera. After the submission of the identification document, the customer's face is captured to check that it matches the face on the identification document. • Optionally, record employment status and income. Regarding employment status, a closed list is offered to the client so that they can choose the one that best suits them. -The customer's bank details are recorded by entering the customer's bank details (entering the IBAN) or by directly collecting the details from the customer's bank (via a DSP2 type connection). Thus, the recorded bank details constitute bank authorization for withdrawals from any type of customer bank account 11 held by bank E1. Specifically, the settlement server operates by implementing bank withdrawals. • The customer must accept the terms and conditions for accessing the service and be given a period for withdrawal. • Configure a confidential PIN code to ensure secure transactions when using the service, especially when accessing the application that implements the service.
[0048] Customer C1 will find that they do not need to possess a bank card when completing their onboarding and registering to open their customer account.
[0049] All recorded data is attached to the customer account 10 stored in the payment server SP and further includes recorded data (in particular, identification information and bank details) and payment capacity. Such payment capacity limits the amount that the customer can spend each month (in one or more transactions) to use the service and implement the electronic payment methods described herein. This payment capacity is preferably initially set to a low upper limit and is increased after the customer's bank account 11 is verified.
[0050] Customer onboarding is optimized in terms of the number of manual entries and verifications. Specifically, customers have fewer elements to manually enter, which reduces the risk of errors and speeds up onboarding. Furthermore, once registration is complete, customers can use the service even if their external bank account has not been verified (even if the customer has not automatically linked their bank account via DSP2). Therefore, they can use the service and make payments immediately without waiting.
[0051] Similarly, seller C2 is onboarded to the service (step Insc C2) and owns a seller account 20 stored in the payment server SP. This seller account 20 includes not only the seller's identification information but also the seller's bank details, which are associated with the seller's bank account 21.
[0052] To your advantage, the seller's onboarding process (Step Insc C2) includes the following steps: • Seller identification and contact information fields: Record last name, first name, phone number, postal address, email address, and password to access the seller account. • Optionally, an electronic message will be issued, which will contain a code that the seller must enter to verify their email address; this will allow them to check that the email address is correct. • Record the company name (in France, the SIREN number is used). • Displaying recorded information for verification by the seller. • By entering the IBAN, the seller's bank details are recorded. • Checking the seller's identification information: Such checks may include the seller submitting their identification documents (ID card, passport, residence permit). A copy of these documents can be made using the seller's device camera. After the submission of the identification documents, the seller's face will be captured to check that it matches the one on the identification document. • Record the seller's place of birth. • The customer must accept the terms and conditions for accessing the service.
[0053] Customer and seller onboarding makes it possible to clearly identify the two parties involved in a transaction. This makes the transaction more secure, which is particularly useful in combating money laundering and terrorist financing.
[0054] The bank's detailed information enables the central server SC, authorized to implement this type of operation, to initiate the banking operations requested by the settlement server SP.
[0055] To accomplish this, when customer account 10 and seller account 20 are created, the customer's operational account 12 (payment account type) and the seller's operational account 22 (payment account type) are created in the central server SC of the central bank EC to which the payment server SP is associated. These operational accounts allow for transparent management of bank flows to customers and sellers when needed.
[0056] Start of payment Next, we will explain the use of payment services through the implementation of electronic payment methods. A preferred embodiment of the electronic payment method is shown in Figure 2.
[0057] Customer C1 goes to sales point PDV to purchase one or more items (step 100). Customer C1 appears at sales point PDV, and seller C2 can enter the sale (step 101). Here, this is a conventional checkout, for example. The sale is entered by seller C2 into seller terminal T2, leading to the generation of transaction message M1 containing the sales amount (step 102). Since transaction message M1 also contains seller identification information, the settlement server SP can identify the seller.
[0058] Seller C2 verifies the sale via seller terminal T2, which triggers the sending of transaction message M1 to payment server SP (step 103). Only seller C2 enters the transaction amount; the customer does not need to enter such an amount.
[0059] Upon receiving this transaction message M1 (step 104), the settlement server SP generates a transaction fingerprint EP1 which is intended to be obtained / received by the customer terminal T1 (step 105).
[0060] Transaction fingerprints (EPs) can take several forms.
[0061] According to one embodiment, the transaction fingerprint EP1 is a QR code.
[0062] According to one embodiment, the transaction fingerprint EP1 is a near-field communication (NFC) tag.
[0063] According to one embodiment, the transaction fingerprint EP1 is a 6-digit numerical code.
[0064] According to one embodiment, the fingerprint EP1 is a BLE (Bluetooth Low Energy) communication tag.
[0065] This fingerprint EP1 includes the sales amount and identification information of seller C2 known to the payment server SP.
[0066] This fingerprint EP1 is stored in the settlement server SP to enable transaction traceability (step 106) and returned to the seller C2's terminal T2 to conduct the transaction with customer C1 (step 107).
[0067] In fact, since the fingerprint EP1 is obtained directly from the seller, the seller is clearly identified by the customer.
[0068] Alternatively, in the case of remote payment, the fingerprint EP1 is shown to the customer via the seller's site. In this way, the seller can create transactions with various receiving conditions.
[0069] By providing Fingerprint EP1, merchants can eliminate the need for electronic payment terminals (TPEs), thereby reducing merchant costs in terms of equipment and computer resources, and therefore energy. Furthermore, since Fingerprint EP1 can take several forms, merchants are not technically limited. Thus, it is very easy for merchants to provide such payment services.
[0070] Trading session The fingerprint EP1 is presented / transmitted to customer C1, particularly via the seller terminal T2 (step 108), and the transaction can be conducted physically or remotely.
[0071] Next, customer C1 verifies the transaction as follows, depending on the type of fingerprint EP1.
[0072] QR code payment Customer C1 reads the QR code using terminal T1. Customer C1 can read the QR code either directly with the camera or with the payment application installed on terminal T1. Figure 3 shows customer terminal T1 with the application in use. This figure shows screen S, which indicates the QR code acquisition area Z.
[0073] By using the camera to scan the QR code, the payment application installed on terminal T1 is triggered to open.
[0074] When the application opens, customer C1's pre-authentication is performed by the customer's terminal T1 before the transaction can be verified. This authentication can be performed, for example, by recognizing a human fingerprint or facial recognition, or by entering a code.
[0075] Next, customer C1 brings customer terminal T1 close to terminal T2 to proceed to obtaining fingerprint EP1 (step 109). Terminal T1 then reads the QR code by capturing an image of the QR code. Obtaining the transaction fingerprint triggers a request for transaction verification by customer C1, which takes the form of customer C1 authentication (step 110). Note that if the customer does not have the application, obtaining the fingerprint will return a link to download the application in order to access the service.
[0076] Furthermore, the QR code includes a deep link that allows direct access to the application.
[0077] Furthermore, the use of QR codes ensures customer security because the fingerprint systematically returns a secure and authenticated address; otherwise, an error is returned to the customer.
[0078] Contactless payment via NFC or BLE Customer C1 brings their customer terminal T1 close to terminal T2 to obtain a fingerprint EP1 (step 109). Terminal T1 proceeds to read the fingerprint via NFC link. In the case of NFC, obtaining the fingerprint triggers the opening of a payment application on customer terminal T1, which requests authentication from customer C1. This authentication is implemented by customer terminal T1, for example, by recognizing a human fingerprint or facial recognition, or by entering a code. Obtaining the transaction fingerprint triggers a request from customer C1 for transaction verification, which takes the form of customer C1 authentication (step 110). If the application is not already open, receiving the fingerprint EP1 via NFC triggers the opening of the application.
[0079] Therefore, the following holds true: -In the case of NFC contactless payment: The customer needs to bring their device close to an NFC chip (which may be located on the seller's counter, table, or wall). Therefore, the customer is directly directed to an interface used to verify the transaction; once the phone detects the NFC chip, the customer is automatically directed to this interface. -In the case of BLE contactless payment: The customer's terminal detects the transaction via the seller's terminal which transmits BLE (Blockchain Resonance) waves. Receiving these waves triggers the sending of a notification in the application, and by clicking the notification, the application opens, which in turn guides the customer to the interface, making it possible to verify the transaction.
[0080] Payment by entering a transaction code Through the customer C1's application and pre-authentication, the customer enters a 6-digit code associated with the fingerprint provided by the seller into terminal T1. The amount requested by the seller is then displayed, and customer C1 has the option to verify or cancel the transaction.
[0081] Once customer C1 is authenticated, the latter verifies the transaction (step 111).
[0082] At this stage, the customer is prompted to make the payment. The transaction is instantaneous and lasts a maximum of two seconds. This streamlines the payment process and simplifies the checkout process.
[0083] The number of steps required to verify a transaction (including opening the application) is limited to a maximum of three. It should be noted that this not only improves the customer experience and simplifies payment processing, but also speeds up the payment process. Clearly, this saves time when completing a sale.
[0084] The following steps are transparent to both the seller and the customer, as they involve communication between servers related to the payment method. Note that no communication with banks is required at this stage, and in particular, no bank flows intended for depositing or withdrawing funds from bank accounts are used.
[0085] The verified transaction (step 111) triggers the generation of a sales message M2 by the customer's terminal T1 (step 112), which is then sent to the settlement server SP (step 113). The sales message M2 includes, in particular, information fields regarding the transaction amount, customer identification information, and seller identification information. Such a sales message M2 enables the settlement server SP to process the transaction by clearly identifying all parties involved in the transaction.
[0086] The received sales message M2 (step 114) is then decrypted by the settlement server SP (step 115), and transaction information items are extracted. Conveniently, the settlement server SP then compares the transaction amount with the solvency set for the customer account 10 (step 116). Such solvency is defined when the customer account 10 is created and changes according to the information items communicated by the customer and the collected financial data. The solvency may be between 0 and 200 euros by default and may be higher after the customer's solvency assessment. This assessment can be performed, for example, by sending the customer's last three bank statements or via a connection with the customer's bank, which allows the settlement server to retrieve bank data for the past three months.
[0087] In any scenario, the customer's external account needs to verify that the amount of the customer's ability to pay changes from 50 euros to 200 euros (this is especially valuable in the context of onboarding that takes place without a DSP2 connection).
[0088] If the transaction amount exceeds the customer's ability to pay, the transaction is abandoned, and the settlement server SP sends a message not only to the customer terminal T1 but also to the seller terminal T2. Thus, the transaction rejection is notified to both customer C1 and seller C2 simultaneously (steps 117, 118).
[0089] If the transaction amount is less than or equal to customer C1's ability to pay, the settlement server SP sends a transfer message M3 to the central server SC (step 121), which enables the central server SC to perform the following actions (step 122): deposit the transaction amount minus the fees transferred from the central trading account 30 stored in the central server SC into the seller's trading account 22, and deduct the transaction amount from the customer's trading account 12.
[0090] Once the funds are transferred to seller 22's trading account, the transaction is completed and seller C2 is notified by the settlement server SP (step 123).
[0091] A maximum of 2 seconds elapses between customer 11 verifying the transaction and seller 22 notifying the seller. This improves the customer experience, simplifies payment processing, and speeds up the payment process. Consequently, a significant amount of time is saved when completing a sale.
[0092] Therefore, after the transaction, the transaction amount is deducted from the customer's trading account, while the seller's trading account receives the transaction amount minus the commission.
[0093] It will be understood that some transactions may be deposited into or withdrawn from the trading accounts of the seller and the customer.
[0094] Bank transfer session Bank transfer sessions are initiated on a variable schedule or per transaction. Sessions can start, for example, daily (at the end of the day), monthly (at the end of the month), or weekly (on weekends). This approach is designed to avoid hindering customer payment verification and to avoid slowing down the transaction itself.
[0095] At the desired time, the settlement server SP transmits a first withdrawal instruction to the central server SC of the central bank EC (step 124). This first instruction is intended to replenish the debit balance of the customer's operating account 12.
[0096] The central server SC then debits the total debits from the customer's trading account in accordance with a valid known standard. The execution of this first debit instruction involves the central server SC sending the first instruction to the customer bank E1, specifically the customer bank's server S1. Thus, the customer bank's server S1 transfers the total debits from the customer's trading account 12 from the customer's bank account 11 to the central trading account 30 (step 126). The settlement server SP is then notified that the customer's debits have been replenished (steps 127, 128).
[0097] Meanwhile, the total amount deposited into the seller's trading account 22 in each transaction is transferred to the seller's bank account 21 (step 125). This operation is transmitted by the settlement server SP to the central server SC of the central bank EC (step 129). This second instruction is intended to transfer the amount deposited into the seller's trading account 22 to the seller's bank account 21.
[0098] The central server SC then executes a transfer of the amount to be deposited from the seller's trading account 22 to the seller's bank account 21 (step 131) (step 132).
[0099] The settlement of funds is separate from the seller's payments and is reimbursed by a bank associated with the central server (SC), ensuring that sellers receive their sales proceeds.
[0100] Other embodiments According to the first exemplary embodiment, the electronic payment method according to this abstract comprises the following steps implemented by the payment server: a) A step of receiving a sales message from a customer terminal, wherein the sales message includes an item of information regarding the transaction amount and an item of information regarding the seller's identification information. b) A step of comparing the transaction amount with the ability to pay included in the customer account stored in the settlement server, and if the transaction amount is less than or equal to the ability to pay, b) A message is sent to the central server to transfer the transaction amount, and the central server deposits the transaction amount minus the fee into the seller's trading account, deducts it from the customer's trading account, and deposits the fee into the central trading account. c) The step of sending an instruction to a central server to withdraw the debit balance of the customer's investment account from the customer's bank account to the central bank's central investment account, d) The step of sending instructions to transfer the balance from the seller's trading account to the seller's bank account, e) The step of receiving notification from the central server that the debit balance of the customer's investment account has been withdrawn, Includes.
[0101] The method according to the first embodiment is advantageously completed, either alone or in any technically possible combination, by the following features: -Before step a): a0) A step of receiving a transaction message from the seller's terminal, wherein the transaction message includes the sales amount, a1) A step of generating a transaction fingerprint from a received transaction message, wherein the fingerprint includes the sale amount and the seller's identification information known to the settlement server. a2) The step of sending the generated fingerprint to the seller's terminal, Includes. - The fingerprint may be a QR code, near-field communication tag, 6-digit numerical code, communication tag (NFC), or Bluetooth Low Energy (BLE). - Receiving a sales message is followed by the customer verifying the transaction via the customer's device, which in turn involves the customer reading the fingerprint on the customer's device and authenticating the customer on the customer's device. - If the transaction amount exceeds the payment capacity included in the customer's account, a notification of abandonment of the transaction will be sent to the seller's terminal, and a notification of rejection of the transaction will be sent to the customer's terminal. - Withdrawal instructions are sent for each transaction or periodically according to a given schedule.
Claims
1. The following steps are implemented by the payment server, namely: A step of receiving a transaction message from a seller terminal, wherein the transaction message includes the sales amount to the customer, and the sales amount was entered using the seller terminal. A step of generating a transaction fingerprint from the received transaction message, wherein the fingerprint includes the sales amount and the seller's identification information known to the settlement server in a format obtainable by the customer terminal's acquisition means. A step of transmitting the generated fingerprint to the seller terminal, wherein the seller terminal is configured to display the fingerprint to the customer terminal. A step of receiving a sales message from a customer terminal, wherein the sales message includes an item relating to the transaction amount and an item relating to the seller's identification information, and the sales message is generated by the customer terminal after obtaining a transaction fingerprint by the customer terminal, authenticating the customer, and verifying the transaction by the customer on the customer terminal. Electronic payment methods, including those mentioned above.
2. The following steps are implemented by the payment server, namely: The steps include comparing the transaction amount with the payment capacity included in the customer account stored in the settlement server, If the aforementioned transaction amount is less than or equal to the aforementioned ability to pay: The steps include sending a message to a central server to transfer the transaction amount, the central server depositing the transaction amount minus the fee into the seller's trading account, withdrawing it from the customer's trading account, and depositing the fee into the central trading account, The steps include sending an instruction to the central server to withdraw the debit balance of the customer's investment account from the customer's bank account to the central bank's central investment account, The steps include sending an instruction to transfer the balance from the seller's trading account to the seller's bank account, The steps include receiving notification from the central server that the debit balance of the customer's investment account has been withdrawn, The method according to claim 1, including the method described in claim 1.
3. The aforementioned fingerprint is a QR code, a near-field communication tag (NFC), a six-digit numerical code, or a Bluetooth low-energy (BLE) communication tag. The method according to claim 1 or 2.
4. If the transaction amount exceeds the payment capacity included in the customer account, a notice of abandonment of the transaction is sent to the seller's terminal, and a notice of rejection of the transaction is sent to the customer's terminal. The method according to any one of claims 1 to 3.
5. The withdrawal instruction is sent for each transaction, or periodically according to a given schedule, once a day, or once a month, at the end of the day or the end of the month. The method according to any one of claims 2 to 4.
6. The following steps are implemented by the customer terminal: The steps include obtaining the fingerprint transmitted by the payment server and presented to the customer using the seller's terminal, Steps to authenticate the customer, The steps include verifying the customer's transaction via the customer terminal, The steps include generating the aforementioned sales message, The steps include sending the aforementioned sales message to the payment server, The method according to any one of claims 1 to 5, including the method described in any one of claims 1 to 5.
7. The acquisition of the aforementioned fingerprint triggers the opening of an application stored on the customer terminal, which enables the authentication of the customer and verification of the transaction. The method according to any one of claims 1 to 6.
8. The following steps are implemented by the customer terminal, namely: The steps include generating the transaction message that includes the sales amount, The steps include sending the transaction message to the settlement server, The steps include presenting the fingerprint received from the payment server to the customer, The method according to any one of claims 1 to 7, including the method described in any one of claims 1 to 7.
9. A settlement server comprising a processing unit configured to implement the method described in any one of claims 1 to 5.
10. A payment method implemented by the customer terminal, The steps include obtaining the fingerprint sent by the payment server, Steps to authenticate the customer, The steps include verifying the transaction made by the aforementioned customer, Steps to generate a sales message, The steps include sending the sales message to the payment server described in claim 9, Payment methods, including
11. The following steps are implemented by the seller's terminal, namely: A step in which the seller enters the sales, wherein the entry includes the sales amount. The steps include generating a transaction message that includes the aforementioned sales amount, The steps of sending the transaction message to the settlement server described in claim 9, The steps of presenting the fingerprint received from the payment server described in claim 9 to the customer, Payment methods, including
12. A computer program product that, when executed by a computer, includes instructions that cause the computer to implement a step of the method described in one of claims 1 to 11.
13. It is an electronic payment method, Steps include entering sales using the seller's terminal, The steps include: generating a transaction message including the sales amount using the aforementioned seller terminal; The steps include sending the transaction message to the settlement server using the seller's terminal, A payment server receives a transaction message from the seller's terminal, the transaction message includes the sales amount to the customer, and the process is as follows: A payment server generates a transaction fingerprint from the received transaction message, wherein the fingerprint includes the sales amount and the seller's identification information known to the payment server. The steps include: transmitting the generated fingerprint to the merchant terminal configured by the payment server to present the fingerprint to the customer; The steps include using the seller terminal to present the fingerprint received from the payment server to the customer, A step of receiving a sales message from a customer terminal, wherein the sales message includes an item relating to the transaction amount and an item relating to the seller's identification information, and the sales message is generated by the customer terminal after the customer terminal obtains the transaction fingerprint, authenticates the customer, and verifies the transaction by the customer on the customer terminal. Electronic payment methods, including those mentioned above.