METHOD AND SYSTEM FOR COMMUNICATION BETWEEN A CHIP CARD READER AND AN EXTERNAL DEVICE

Abstract

The invention relates to a method for carrying out a transaction with a system (1, 1A, 1B, 1C) comprising a terminal (2) and a chip device (3), said system being configured to communicate transaction information from the terminal to a user (6) during said transaction via an adapter (4), said adapter being configured to receive, by wire or wirelessly, said information (5) and translate it into voice or other form, said information being obtained or collected in or through said chip device (3), characterized in that said chip device (3) is configured with a first communication interface with radio frequency proximity or electrical contacts (M3) included in the device in order to receive the transaction information directly from a communication interface of the terminal. The invention also relates to the corresponding system.

Description

METHOD AND SYSTEM FOR COMMUNICATION BETWEEN A CHIP CARD READER AND AN EXTERNAL DEVICE FIELD OF INVENTION The invention relates to a method for carrying out a transaction with a system comprising a transaction terminal (or reader), in particular a bank terminal, and a personal transaction device, in particular a payment device such as a chip card, and for communicating transaction information to a user during the transaction by means of an adapter. In a very specific way, the adapter can be configured to receive this information, either by cable or wirelessly, and translate it into voice or another form that the user can perceive. BACKGROUND OF THE INVENTION The adapter can be chosen from, in particular, electronic communication devices (cell phone, tablet, PDA personal assistant, wearable electronic accessories such as NFC or smartwatches). The personal transaction device, in particular a payment device, can also be any means for transaction applications, in particular payment applications, or any transaction device, in particular a payment device, preferably represented by a chip card. Some chip cards may comprise user interfaces (screen, keypad, biometric sensor, etc.) and / or various communication interfaces (NFC, ISO 7816, Bluetooth™, etc.). Some of these transaction devices are intended for electronic transactions, particularly financial transactions, such as purchases that can be made online via the Internet on marketing sites, but also locally in commercial premises that use a POS (Point of Sale) terminal or an ATM (Automated Teller Machine), vending machines for products such as fuel, drinks, etc., in company restaurants, warehouses, etc. STATE OF THE ART It has been proposed or recommended, particularly in accordance with supranational guidelines, that POS terminals be equipped with a communication interface other than a screen, for example an audio output or other type of output, to allow visually impaired people to be informed about their transaction data. Document FR2793361 A1 describes an electronic transaction system between a transport terminal and a chip card with electronic contacts housed in a smart casing with a contactless interface. The casing includes a battery, an electrical interface for supplying power and information to the card, an audio interface for the user, and a wireless communication interface for conducting the electronic transaction with the terminal. Information is received by the card via its contact interface through the remote communication casing positioned between the card and the terminal. The terminal's communication interface is wireless, which allows, in particular, the communication of information to the user after the transaction. ML / TECHNICAL PROBLEM During a bank transaction, whether contactless or electrical, the user only sees the information displayed on the POS terminal. However, some people (for example, the visually impaired) are unable to see this information. Therefore, it is currently necessary to provide users with different transaction information. The type of solution mentioned above, with an interface (other than a screen) directly on the payment terminal and with the ability to transmit transaction information to a user, is not currently deployed and does not appear to be practical to deploy on existing banking equipment. BRIEF DESCRIPTION OF THE INVENTION OBJECTIVE OF THE INVENTION The invention is directed in particular to solving the aforementioned disadvantages or to fulfilling the need identified above. In particular, it seeks to achieve this goal by making the fewest technical changes to the associated hardware or software infrastructure currently deployed or while being as cost-effective as possible. For this purpose, the object of the invention is a method for carrying out a transaction with a system comprising a transaction terminal (in particular a banking terminal) and a transaction device (in particular a banking device), said system being configured to communicate to a user, during said transaction, the transaction information from the terminal (or reader) by means of an adapter, said adapter being configured to receive, by wire or wirelessly, said information and translate it into voice or other form, said information being obtained or collected in or by means of said transaction device,characterized in that said chip device (or transaction device) is configured with a first communication interface with radio frequency proximity or electronic contacts included in the device in order to receive transaction information directly from a terminal communication interface. According to other preferred characteristics or modalities. - The chip device may be configured with a second integrated wireless communication interface to communicate this information to the adapter; - The first interface of the device may comply with ISO 7816 or 14443 and / or ISO / IEC 18092; - The second wireless communication interface (14,34) can be selected from Bluetooth, Wi-Fi, UHF, NFC, Li-F!. The method may comprise the preferred step by which, in order to carry out the transaction, the device may be presented alongside the terminal (without any intermediate apparatus, intermediate device, communication adapter, accessory) or inserted only into said terminal; - Transaction information can be derived in parallel from the information received by said chip device; - Transaction information can be processed or selected by the device's chip; - The adapter may comprise a cell phone, a wireless headset provided with a communication interface adapted to that of the device's communication interface MA / personal transaction (or the card); - The adapter can be selected from a user device such as a cell phone, tablet, PDA, wearable electronic accessory, NFC or smartwatch. - the reader (or terminal) may comprise a POS reader or an ATM bank terminal; - The adapter may comprise a software application configured to translate or transpose digital or analog information into voice or other information in a human-machine interface and vice versa. - The software application can also make it possible to translate the received information, particularly the transaction amount, into any language and / or any currency. The objective of the invention is also a system that corresponds to the previous method.In particular, its objective is a system for carrying out a transaction comprising a terminal (or chip card reader) and a personal transaction device (or chip card), said system being configured to communicate to a user, during said transaction, the transaction information from the terminal by means of an adapter, said adapter being configured to receive, by wire or wirelessly, said information and translate it into voice or other form, said information being obtained or collected in or by means of said personal transaction device, characterized in that said device (or personal transaction device) is configured with a first communication interface with radio frequency proximity or electrical contacts included in the device in order to receive the transaction information directly from a communication interface of the terminal. An object of the invention is also a personal transaction device (such as a chip card) for carrying out a transaction with a terminal according to the above method, characterized in that it is configured to obtain or collect transaction information directly from the terminal and to communicate it to an associated adapter with which it is paired. An objective of the invention is also an adapter for implementing the above method, said transaction adapter being configured to receive, by wire or wirelessly, transaction information from a terminal (or reader) and translate it into voice or other form, during a transaction, characterized in that it is paired with a personal transaction device (or chip card) to receive said transaction information from an electronic transaction carried out with said terminal. BRIEF DESCRIPTION OF THE FIGURES - Fig. 1 shows a general system for carrying out transactions in accordance with general modalities of the method of the invention; - Figures 2 and 3 respectively show a first modality of the transaction system as well as an example of operation; - Figures 4 and 5 respectively show a second modality of the transaction system as well as an example of operation; Figures 6 and 7 respectively show a third modality of the transaction system as well as an example of operation DETAILED DESCRIPTION OF THE INVENTION The same references from one figure to the other indicate similar or identical components. The invention is primarily described in relation to a POS terminal, but other readers or terminals can replace it in several examples. Similarly, a chip card can be replaced by any device described in each example, such as an NFC watch, a phone, or a watch in card emulation mode. Likewise, the functions of the phone and / or watch or headphones or earphone may be interchanged in the examples. Fig. 1 shows a system for carrying out a transaction according to a first embodiment of the method of the invention. System 1 may comprise only a transaction terminal 2 (or chip card reader) or POS payment terminal, as well as a transaction device 3 such as a chip card. Terminal 2 can be an ATM, a payment station, a beverage vending machine, any transaction device that carries out an electronic transaction with a user transaction device or a payment device associated with a phone (e.g., Zettle, etc.) According to one feature, the system is configured to communicate to a user, during the transaction, transaction information from the terminal (or reader 2) by means of an adapter 4. Transaction information may include data typically displayed on a payment terminal, such as the payment method (debit or credit card), payment type (contact or contactless), amount, currency, user authentication request (via PIN, signature, biometric verification, or other means), and the status of user and transaction authentication. Alternatively, the transaction may be authentication for, in particular, physical and / or logical access to a building or computer network, information displayed as instructions to a user (wait, log in, etc.), or user authentication or validation on a mobile or electronic device (e.g., validation or signature of a transaction, order, operation, etc.). This adapter 4 can be configured to receive information 5 via cable or wirelessly and translate it into voice or another form that can be understood by the user 6. It may include an application that enables pairing the adapter with the card using secure communication protocols. Once pairing is established, the method of the invention can provide encryption or encoding of all received information or at least certain sensitive or confidential information. Encryption (or secret) keys or secret keys can be shared between the card and the adapter for the purpose of encrypting or encoding communication between them. In the prior art, system 1 may comprise an audio interface (not shown) to which a user can connect a headset to the terminal. However, the invention provides another technical configuration described below. In the preferred configuration, Terminal 2 is a bank POS payment terminal that meets current market standards. It comprises a secure structure and functions approved / standardized for EMV (Europay MasterCard Visa), the international standard for secure payment transactions. The POS may be equipped with a contact (or contactless) card reader 3, a human-machine interface such as a keyboard 2C, a display 2E, and means, particularly NFC (Near Field Communication), for contactless communication with a smartphone 4 or contactless card. In the example in Fig. 1, terminal 2 comprises an interface with electrical contacts for communication with the card via an electrical contact terminal block or an integrated contact module M3. The interface (terminal block or NFC antenna) can also supply power to the device circuits 3. Terminal 2 may preferably be supplied with a secure module containing an electronic SAM chip and encrypted electronic means to communicate with a central bank server (in particular for periodic collection of transaction information and / or updating information, or for real-time online validation), or a merchant server. Alternatively, the electronic transaction device 3, on the other hand, may constitute or comprise any payment device with banking payment applications, or which can simulate / emulate bank cards (e.g. a smartwatch, identifier, electronic payment bracelet, etc.). Device 3 can be in the form of a card, but alternatively, it can also be in the form of a smartphone. The phone may include a function to emulate a contactless card in accordance with ISO 14443 and / or ISO / IEC 18092, so that it communicates directly with terminal 2 (POS) by being perceived by the latter as a chip card or payment device. Device 3 can also integrate electronic circuits or integrated circuit chips. It can integrate a human-machine interface, in this case in the form of a touchscreen. It can integrate applications or programs that operate as applications, stored in memory, particularly EEPROM or flash memory, in order to, in particular, carry out banking, loyalty, or other operations. These application programs can be executed by a main processing unit pC2, 13 or on one or more electronic circuits or electronic chips with associated integrated circuits, such as an electronic security element (eSE) in a phone or watch. Device 3 can integrate a function to receive transaction data from terminal 2. It can integrate an NFC interface in order to receive transaction data also emitted in NFC radio frequency mode. According to a feature of the preferred modality, the method comprises the step by which such transaction information communicated to adapter 4 is obtained or collected on or by means of said chip card 3 (or other personal transaction device). According to a first hardware and software implementation or configuration of the transaction device 3 (such as the card), transaction information 5 can be derived in parallel from the information 15 received by the chip device 3. For example, the invention may provide an additional spy chip 14 or 34 which is connected in parallel to the card chip's communication pads. The invention may also provide an additional electronic chip 14 or 34 (connected to the SE, 13, or EMV security element), which is configured to communicate the necessary information to the user, extracted from the transaction in progress. Alternatively, transaction information 5 can be processed or selected by the application chip 13 of the chip-based transaction device. This same chip 13 can transmit this information 5 to another chip (or microcontroller) 14 responsible for transmitting it externally, in particular to the adapter 4, via an appropriate communication interface (not shown). The card may be arranged, configured, or equipped with a radio frequency communication interface, including Bluetooth, Wi-Fi, UHF, NFC, Li-Fi, infrared, and optical, to transmit or communicate such information to adapter 4. This interface may belong to or be connected to a corresponding microcontroller 14, in particular BLE. This interface may belong to chip 13. According to one feature, adapter 4 may comprise a cell phone 4 or a wireless headset 24 provided with a communication interface adapted to that of the communication interface of the personal transaction device 3. The adapter 4 may preferably comprise a software application 41 configured to translate or transpose digital or analog information 5 (received from the particular card by any particular BLE communication) into voice or other information in a human-machine interface and vice versa. Depending on the preferred configuration, adapter 4 can resemble the smartphone described above. It can also be configured to swap with chip card 3 or an internal chip card emulated within the phone. The adapter may comprise a cell phone 4, a wireless headset 24 provided with a communication interface adapted to that of the chip device communication interface 3. The NFC banking application of device 3 (which may be in particular in the form of a cell phone, smartwatch, etc.) may be configured to extract transaction data and transmit it in the form of audio to the particular user via a Bluetooth headset 24 (or wireless or wired earphone 34) connected to device 3. DESCRIPTION OF SPECIFIC MODALITIES In Fig. 2, the system comprises a card having an application chip 13, specifically an EMV banking chip, connected to a contact communication interface M3. The interface can also be an interface with a radio frequency antenna (not shown). The card interface M3 is configured to establish communication 15 with terminal 2. The communication can be near-field communication (NFC) or electrical contact communication (the NFC or contact interface is integrated into the device or card). The application chip 13, according to this modality, can be connected to a microcontroller (MCU) 14 having a mid-range radio frequency communication interface. For example, the latter interface can be a BLE (Bluetooth™ Low Energy) interface. Microcontroller 14 is configured to receive transaction information transmitted by application chip 13. The latter can be configured to select minimal transaction information arriving via terminal 2, such as information typically displayed on the ML / terminal 2E screen. Figure 3 shows steps related to the operation of system 1B in the preceding figure. A user wishing to make a purchase from a merchant presents or inserts (step 100) their bank card (presents their watch, etc.) into terminal 2. In the example, Figure 3 shows the card being inserted into the POS terminal. Then, in step 110, the transaction to pay for a purchased item begins with conventional exchanges according to payment standards, specifically EMV, between terminal 2 and application chip 13. In step 120, the transaction amount is transmitted to the BLE MCU 14. This transmission can be secured and / or the amount can be encrypted. Then, in step 130, the MCU 14 sends a message 5 containing all or part of the received information to adapter 4, in this case, a cell phone. In step 140, phone 140, using a dedicated application, receives and decrypts message 5 from card 3.Next, in step 150, the phone displays and / or reads aloud the decrypted message received. When applicable, the user has a headset connected to their phone and can receive the audio message through the headset. Alternatively, the user can have a hearing aid paired with their phone to receive the message sent by the phone (adapter). Alternatively, the user can have a hearing aid configured to directly receive the message sent by the card via the MCU 14 microcontroller. In Fig. 4, system 1B differs from the preceding system in that the microcontroller 14 is configured to eavesdrop on the information 15 exchanged between chip 13 and terminal 2, and in that the adapter 4 comprises or consists of an audio peripheral 24 such as a headset (or earpiece). For the purpose of eavesdropping, for example, the microcontroller 14 can be connected in parallel to the contact or contactless interface M3. The headset or earpiece 24 can have the functions previously described in relation to the telephone 4. The adapter in this configuration can therefore comprise all or part of the hardware and software functions or resources of the telephone 4. Figure 5 shows steps relating to the operation of system 1B of Figure 4. Steps 100 to 110 are identical to those of the preceding system 1B. In step 220, MCU 34 intercepts the exchanges 15 in the ISO 7816 communication between the terminal and the application chip 13, specifically EMV, and is configured to transform the collected message 5 (optionally classified) into an audio signal sent to an audio peripheral 24. Alternatively, MCU 34 retransmits the digital message to the peripheral, and the latter transforms the message into an audio file and transmits it to the user. MCU 14 can be configured or parameterized to extract only some (5) or all (15) of the exchanged information, such as the amount, payment type, cash or credit, etc. For example, message content indicators are detected by MCU 34 in order to extract the information required by the user. MCU 14 can be specifically configured or parameterized to listen to the entire communication traveling through the ISO 7816 channel and extract the data required by the user. Then in step 230, system 1B sends the audio message from MCU 34 to the audio peripheral (according to a short- or medium-range communication protocol, in particular ML / Bluetooth™ Low Energy (BLE)). Then in step 240, the audio device 24 receives the message (5 or 15) in order to subsequently transmit it (250) to the user. In Fig. 6, system 1C is similar to that in Fig. 2. It differs only in the MCU. The MCU 34, which is different here from MCU 14, is configured to eavesdrop on and extract all or part of the information exchanged between the terminal and the application chip 13, as in system 1B of Fig. 4. System 1C also differs in that the eavesdropped digital data or information 5, 14 can be received by the telephone 4 and can be transformed into audio information by the telephone. In other words, system 1C (Fig. 6) may differ from system 1B (Fig. 4) only by adapter 4. System 1C comprises a headset connected directly to the transaction device 3 in particular by BLE, or Wi-Fi or any other communication protocol. Fig. 7 shows steps relating to the operation of system 1C of the preceding figure. Steps 100 and 110 are identical to those in Fig. 3. Then step 220 is identical to that in Fig. 2 where MCU 34 intercepts the data by eavesdropping on communication 15 between terminal 2 and application chip 13. Then, steps 130 to 150 can be identical to those in Fig. 3, where the message (optionally encrypted) sent by the card over BLE and received by the adapter (phone) is displayed and / or voiced (transformed by the latter into an audio signal). For this purpose, in all examples, the MCU 14, 34 or adapter 4, 24 may comprise an application configured to transform a file containing a digital message into an audio file. The audio file can then be transformed into a signal that the user can listen to through a speaker of adapter 4 or headphones or earphones 24.

Claims

CLAIMS 1. A method for carrying out a transaction with a system (1, 1A, 1B, 1C) comprising a terminal (2) and a chip device (3), said system being configured to communicate to a user (6), during said transaction, transaction information from the terminal by means of an adapter (4), said adapter being configured to receive, by wire or wirelessly, said information (5) and translate it into voice or other form, said information being obtained or collected in or by means of said chip device (3), characterized in that said chip device (3) is configured with a first communication interface with radio frequency proximity or electrical contacts (M3) included in the device in order to receive the transaction information directly from a communication interface of the terminal.

2. The method according to the preceding claim, further characterized in that said chip device (3) is configured with a second integrated wireless communication interface (14, 34) for communicating said information to the adapter.

3. The method in accordance with one of the preceding claims, further characterized in that said first interface of the device (3) complies with ISO 7816(M3) or ISO 14443 and / or ISO / IEC 18092.

4. The method according to one of claims 2 or 3, further characterized in that said second wireless communication interface (14, 34) is selected from Bluetooth, Wi-Fi, UHF, NFC, Li-Fi.

5. The method according to the preceding claim, further characterized in that it comprises the step by which, for the purpose of carrying out the transaction, the device is presented alone to the terminal or inserted alone into said terminal (2).

6. The method according to the preceding claim, further characterized in that said transaction information (5) is derived in parallel from the information received by said chip device.

7. The method according to the preceding claim, further characterized in that said transaction information is processed or selected by the device chip.

8. The method according to one of the preceding claims, further characterized in that said adapter comprises a cell phone, a wireless headset provided with a communication interface adapted to that of the communication interface of the letter.

9. The method according to one of the preceding claims, further characterized in that in said adapter (4) a user device is selected, such as a cell phone, tablet, personal assistant, portable electronic accessory, NFC or smart watch).

10. The method according to one of the preceding claims, further characterized in that the reader comprises a POS reader and an ATM bank terminal.

11. The method according to one of the preceding claims, further characterized in that said adapter comprises a software application configured to translate or transpose digital or analog information into voice or other information in a human-machine interface and vice versa.

12. A system for carrying out a transaction with a system (1, 1A, 1B, 1C) comprising a terminal (2) and a chip device (3), said system being configured to communicate to a user (6), during said transaction, transaction information from the terminal by means of an adapter 4, said adapter being configured to receive, by wire or wirelessly, said information (5) and translate it into voice or other form, said information being obtained or collected in or by means of said chip device (3), characterized in that said chip device (3) is configured with a first radio frequency proximity or electrical contact communication interface (M3) included in the device in order to receive the transaction information directly from a communication interface of the terminal.

13. A chip device (3) for carrying out a transaction with a terminal (2) in accordance with the method of any of claims 1 to 11, characterized in that it is configured to obtain or collect information (5,15) from transactions with said terminal (2) and to communicate (5) said information to an associated adapter (4).

14. A transaction adapter (4) for implementing the method according to claims 1 to 11, said adapter being configured to receive, by wire or wirelessly, transaction information (5, 15) from a terminal (2) and translate it into voice or other form, during a transaction, characterized in that it is paired with a chip device according to claim 13 for the purpose of receiving said transaction information.

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