Method and device for providing a merchant device with a reachability identifier of a user

Abstract

The invention relates to a method for providing a merchant device with a reachability identifier of a user, the method being implemented by an electronic payment terminal and characterised in that it comprises: - a first step of receiving, from the merchant device, a request to establish a communication; - a step of broadcasting the request via a proximity wireless communication, the request comprising at least one service identifier; - a second step of receiving at least one reachability identifier of the user from the user mobile terminal, in response to the broadcasting of the request and depending on the service identifier; - a step of transmitting the at least one reachability identifier to the merchant device.

Description

Method and device for providing a user's contactability identifier to a commercial device

[0001] 1. Scope of the invention

[0002] The invention relates to the field of telecommunications and more particularly concerns a method for establishing a digital relationship between a merchant and a customer during a contactless payment made using a mobile terminal.

[0003] 2. Prior Art

[0004] To make a contactless mobile payment, a user typically needs to bring their mobile phone (smartphone) close to an electronic payment terminal (EPT) so that a wireless connection, such as NFC (Near Field Communication), is established between a digital wallet running on the smartphone and the EPT. A digital wallet is an electronic application that securely stores digital / virtual versions of a user's payment / bank cards (for example, in the form of a token). Once the connection is established, a payment transaction (for example, compliant with Europay Mastercard® Visa® or EMV protocols / specifications) is processed in connection with the user's purchase. Specifically, secure data is exchanged between the digital wallet and a payment scheme / network (for example, Visa®, Mastercard®, etc.).) capable of managing and processing payments. The result of the transaction is then obtained by the electronic wallet, which can thus inform the customer of the success or failure of the payment.

[0005] However, unlike online purchases where the user is identified to the merchant, usually through a customer account, contactless payment does not allow the user to be identified by the merchant. To do so, the customer must provide all or part of their contact information (title, surname, first name, postal address, telephone number, email address, etc.) or use a merchant-specific identification method, such as a loyalty card. All of this requires the creation of a customer account similar to those required for online purchases, which hinders a seamless user experience.

[0006] 3. Description of the invention

[0007] The invention improves upon the state of the art and proposes a method for providing a merchant device with a user's contactability identifier, said method being implemented by an electronic payment terminal and characterized in that it comprises: a first step of receiving from said merchant device a request to establish a communication; a step of broadcasting said request via a wireless proximity communication, said request including at least one service identifier; a second step of receiving from a user mobile terminal, in response to the broadcasting of said request and according to said service identifier issued, at least one contactability identifier of said user; a step of sending, to said merchant device, said at least one contactability identifier.

[0008] Advantageously, this process allows a user to seamlessly and transparently receive all kinds of information from the merchant, such as an invoice or discount coupons. Specifically, the process leverages the wireless communication capabilities of the POS terminal and the user's mobile device to provide the mobile device with the contact information necessary for establishing a dedicated connection between the user and the merchant.

[0009] According to a particular embodiment of the invention, a process such as described above is characterized in that the first reception step is preceded by a payment transaction.

[0010] Advantageously, this embodiment makes it possible to exploit the capabilities of the wireless communication established between the POS terminal and the user's mobile terminal during a payment to transmit to the POS terminal (i.e. to the merchant) contactability information necessary for the subsequent establishment of a dedicated communication between the user and the merchant.

[0011] According to a particular embodiment of the invention, a process as described above is characterized in that said merchant device corresponds to a cash collection device.

[0012] Advantageously, this implementation method avoids modifying the existing hardware deployed at a merchant's premises. Indeed, at a merchant's premises, the POS terminal is typically connected to a point-of-sale system (i.e., cash register).

[0013] According to a particular embodiment of the invention, a method as described above is characterized in that said reachability identifier is chosen from a group comprising at least: an email address; a telephone number; an identifier of an instant messaging application; etc.

[0014] According to a particular embodiment of the invention, a process as described above is characterized in that said request includes at least one identifier of said merchant and in that said second reception step is carried out according to said at least one identifier of said merchant.

[0015] Advantageously, this implementation ensures a minimum level of security by verifying, via a merchant ID, that the merchant is trusted. Note that the ID can be encrypted, for example, using a symmetric or asymmetric encryption key. The POS terminal and / or merchant device is then capable of encrypting the merchant ID using state-of-the-art encryption techniques.

[0016] According to a particular embodiment of the invention, a process as described above is characterized in that the emission step further includes the emission of data relating to said payment transaction.

[0017] Advantageously, this implementation allows subsequent communication between the user and the merchant to be linked to the previously completed financial transaction. This makes it easier for the user and the merchant to communicate and exchange data about that transaction.

[0018] The various modes or embodiments mentioned above can be added independently or in combination with each other to the supply process defined above.

[0019] The invention also relates to a method of transmitting a contactability identifier of a user of a mobile terminal, said method being implemented by said mobile terminal and characterized in that it comprises: a first step of receiving, from an electronic payment terminal, via a wireless proximity communication, a request to establish a communication including at least one service identifier; a step of obtaining said contactability identifier of said user based on said at least one service identifier; a step of transmitting said contactability identifier of said user to said electronic payment terminal.

[0020] Advantageously, this process allows a user's mobile terminal to provide, based on a service identifier (for example an application identifier), a contactability identifier (a telephone number, an email address, etc.) to a POS terminal.

[0021] According to a particular embodiment of the invention, a transmission method as described above is characterized in that the transmission step is carried out according to the result of a validation step of said user.

[0022] Advantageously, this embodiment makes it possible to condition the sending of the user's contactability identifier by the value of the result of a validation step performed by the user.

[0023] According to a particular embodiment of the invention, a process as described above is characterized in that said establishment request further includes a merchant identifier and in that the step of transmitting said user contactability identifier is carried out according to the value of said merchant identifier.

[0024] Advantageously, this implementation ensures a minimum level of security by verifying, via a merchant ID, that the merchant is trusted. It should be noted that the ID can be encrypted, for example, using a symmetric or asymmetric encryption key. The mobile terminal is then capable of decrypting the merchant ID using techniques known to a person skilled in the art.

[0025] The various modes or embodiments mentioned above can be added independently or in combination with each other to the transmission process defined above.

[0026] The invention also relates to a device for providing a merchant device with a user's contactability identifier, said device being included in an electronic payment terminal and characterized in that it comprises: a first module for receiving from said merchant device a request to establish a communication; a module for broadcasting said request via a wireless proximity communication, said request including at least one service identifier; a second module for receiving from a user mobile terminal, in response to the broadcast of said request and according to said service identifier issued, at least one contactability identifier of said user; a module for sending, to said merchant device, said at least one contactability identifier.

[0027] According to a particular embodiment of the invention, a device as described above is characterized in that said electronic payment terminal and said merchant device are included in one and the same device.

[0028] Advantageously, this method of implementation makes it possible to limit the material elements necessary for the implementation of the process (cost reduction, simplification, etc.).

[0029] The invention further relates to a device for transmitting a user's contactability identifier, said device being included in a user's mobile terminal and characterized in that it comprises: a receiving module, from an electronic payment terminal, via a wireless proximity communication, of a request to establish a communication including at least one service identifier; a module for obtaining, based on said at least one service identifier, said contactability identifier of said user; a transmission module for said contactability identifier of said user to said electronic payment terminal.

[0030] The term "module" can refer to a software component, a hardware component, or a set of hardware and software components. A software component itself corresponds to one or more computer programs or subprograms, or more generally, to any element of a program capable of implementing a function or set of functions as described for the modules in question. Similarly, a hardware component corresponds to any element of a hardware assembly capable of implementing a function or set of functions for the module in question (integrated circuit, smart card, memory card, etc.).

[0031] The invention also relates to a computer program comprising instructions for implementing the above method according to any of the particular embodiments described above, when said program is executed by a processor. The method can be implemented in various ways, including in hardwired or software form. This program can use any programming language and be in the form of source code, object code, or code intermediate between source and object code, such as in a partially compiled form, or in any other desirable form.

[0032] The invention also relates to a computer-readable recording or information medium containing instructions for a computer program as described above. The aforementioned recording media can be any entity or device capable of storing the program. For example, the medium may include a storage means, such as a ROM (e.g., a CD-ROM or a microelectronic circuit ROM), or a magnetic recording means, such as a hard drive. Furthermore, the recording media may be a transmissible medium such as an electrical or optical signal, which can be transmitted via an electrical or optical cable, by radio, or by other means. The programs according to the invention can, in particular, be downloaded from a network such as the Internet.

[0033] Alternatively, the recording media may correspond to an integrated circuit in which the program is incorporated, the circuit being adapted to execute or to be used in the execution of the process in question.

[0034] These supply and transmission devices and this computer program have characteristics and advantages similar to those described previously in relation to the supply and transmission methods.

[0035] 4. List of figures

[0036] Other features and advantages of the invention will become clearer upon reading the following description of particular embodiments, given by way of simple illustrative and non-limiting examples, and the accompanying drawings, among which:

[0037] Lare represents an example of an implementation environment according to a particular embodiment of the invention;

[0038] This illustrates the architecture of a device adapted for the implementation of the supply process;

[0039] Laillustre l'architecture d'un dispositif adapté pour la mise en œuvre du processus de transmission ;

[0040] The illustration shows the steps of the supply process and the transmission process according to a particular embodiment of the invention.

[0041] 5. Description of an embodiment of the invention

[0042] Figure 1 illustrates an example of an implementation environment for the invention according to a particular embodiment of the invention. The environment shown comprises an electronic payment terminal 201 and a transmission device 202 for a user's contactability identifier. In the example described here, the device 202 is included in a mobile terminal, for example, the user's smartphone 204, and the delivery device is included in the electronic payment terminal 201.

[0043] The electronic payment terminal 201 and the mobile phone 202 are connected to each other via a short-range (i.e. near field) wireless communication network, for example via NFC (Near Field Communication), Wi-Fi® or Bluetooth® technology.

[0044] The implementation environment further includes a merchant device 203 capable of establishing communication with the user's mobile terminal 202 204. The merchant device 203 is, for example, a cash register system, a computer, a server, or a mobile terminal.

[0045] According to a particular embodiment of the invention, the electronic payment terminal 201 and the merchant device 203 are integrated into a single device / terminal of the merchant. Communication between these two entities then occurs via internal messages within the merchant device / terminal.

[0046] Communication between the merchant device 203 and the mobile terminal 202 is, for example, carried out via a communication network 200 (e.g., the internet or a private network). The communication network 200 may include an access network (not shown here). The access network may be a Wi-Fi network or a cellular data network of type 2G, 3G, 4G, or 5G.

[0047] The network 200 may also include a mail server 205 adapted to enable communication between the mobile terminal 202 and the merchant device 203.

[0048] Server 205, for example, is a server implementing the RCS (Rich Communication Suite) messaging protocol between the user's mobile terminal 202 and a chatbot operated by the merchant 207 (for example, run by device 203 or distributed between device 203 and server 205). Thus, server 205 can communicate with mobile terminal 202 via instant messaging in natural language.

[0049] The messaging server 205 can also exchange any type of message, such as emails or SMS (Short Message Service), with the mobile terminal 202 and the merchant device 203.

[0050] Alternatively, the merchant device 203 and the mobile terminal 202 communicate with each other without an intermediary via a wireless communication network, for example, via NFC (Near Field Communication), Wi-Fi® or Bluetooth® technology.

[0051] This architecture is not exhaustive, and other architectures are suitable for implementing the invention. For example, the server 205 and the merchant device 203 could be one and the same device.

[0052] Note that all messages exchanged between mobile terminal 202 and server 205, mobile terminal 202 and merchant device 203, merchant device 203 and server 205, mobile terminal 202 and payment terminal 201, payment terminal 201 and merchant device 203 may be encrypted messages via, for example, private and / or public key, symmetric and / or asymmetric encryption mechanisms.

[0053] We now turn to describing an example of the hardware architecture of a supply device according to a particular embodiment of the invention in connection with the.

[0054] The DISP device has the hardware architecture of a computer. It includes, in particular, a processor (PROC), random access memory (MV), read-only memory (MEM), and non-volatile flash memory (MF). Such components are known per se and are not described in further detail here. The read-only memory constitutes a storage medium according to the invention, readable by the processor (PROC), on which a computer program (PG) according to the invention is stored. This program contains instructions for implementing the steps of the supply process as described above when the program is executed by the processor (PROC). At initialization, the code instructions of the computer program (PG) are, for example, loaded into memory before being executed by the processor (PROC).The PROC processor of the UT processing unit implements in particular the steps of the supply process according to any of the particular embodiments described in relation to the, according to the instructions of the computer program PG.

[0055] The DISP device includes a RECV1 module capable of receiving a request to establish a communication from the merchant device 203.

[0056] The DISP device also includes a DIFF module capable of broadcasting, via near-field wireless communication, a communication establishment request previously received by the COM1 module. The communication is carried out, for example, via NFC® (Near Field Communication), Wi-Fi®, or Bluetooth® technology. This request includes at least one service identifier allowing the recipient service / application to be identified.

[0057] The DISP device also includes a RECV2 module capable of receiving from the user's mobile terminal (202), in response to the broadcast of the request to establish a communication and depending on the service identifier contained in the request, at least one user reachability identifier.

[0058] In addition, the DISP device includes an SND module capable of sending to the merchant device 203 a contactability identifier of the user 204 received by the RECV2 module.

[0059] According to a particular embodiment of the invention, the RECV1, RECV2, SND and DIFF modules are a single module or distributed in whole or in part in a plurality of modules.

[0060] In one particular embodiment, the DISP device includes a notification display module (not shown). The display module can be a human-machine interface such as a screen (touchscreen or not), a video projector, a television, a loudspeaker, or any other device capable of fulfilling the same purpose.

[0061] We now turn to describing an example of the hardware architecture of a transmission device according to a particular embodiment of the invention in connection with the.

[0062] The DISP1 device has the hardware architecture of a computer. It includes, in particular, a PROC1 processor, a RAM MV1, a ROM MEM1, and a non-volatile flash memory MF1. Such components are known per se and are not described in further detail here. The ROM constitutes a storage medium according to the invention, readable by the PROC1 processor, on which a computer program PG according to the invention is stored. This program contains instructions to implement the steps of the transmission method as described above when the program is executed by the PROC1 processor. At initialization, the code instructions of the PG1 computer program are, for example, loaded into memory before being executed by the PROC1 processor.The PROC1 processor of the UT1 processing unit implements in particular the steps of the transmission process according to any one of the particular embodiments described in relation to the, according to the instructions of the computer program PG1.

[0063] The DISP1 device includes a GET module capable of receiving from the electronic payment terminal 201, via a wireless proximity communication (NFC®, Wi-Fi® or Bluetooth®), a request to establish a communication including at least one service identifier.

[0064] The DISP1 device also includes an OBT module capable of obtaining one or more reachability identifiers depending on the service identifier received by the GET module.

[0065] The DISP1 device also includes an ENV module capable of sending one or more user contact identifiers 204 to the merchant device 203.

[0066] According to a particular embodiment of the invention, the GET and ENV modules are one and the same module.

[0067] According to a particular embodiment, the DISP device includes a feedback module (not shown) capable of providing user 204 with a confirmation request concerning the provision / sending of one or more contactability identifiers of user 204. The feedback module can be a human-machine interface such as a screen (touch or not), a speaker, or any other device capable of fulfilling the same objective.

[0068] Laillustre des étapes des processus de supply et de transmission selon l’un de l’invention particulière modes d’invention présenteable avant-garde.

[0069] During step E21, the supply process receives a request from the merchant device 203 to establish a communication. This request can be issued by the merchant device 203 (E31) spontaneously, for example, at regular intervals, or following a specific event such as the completion of a financial transaction carried out, for example, between the mobile terminal 202 and the merchant device 203 (E10, E30).

[0070] When a request to establish a communication is issued following a financial transaction, the request may include a financial transaction identifier. This identifier may include, for example, a unique identifier generated by the merchant device 203 and / or the mobile terminal 202 and shared between them during the transaction.

[0071] Alternatively or cumulatively, the transaction identifier may include an identifier associated with the means of payment used in the financial transaction, such as the PAN (PrimaryAccount Number) of a bank card.

[0072] The financial transaction identifier can also be encrypted using state-of-the-art encryption techniques (symmetric encryption, asymmetric encryption, etc.).

[0073] Optionally, the payment terminal 201 can return to the user 204 a notification inviting them to wait while communication is established between one of their terminals (for example the mobile terminal 202) and the merchant device.

[0074] During step E22, the provisioning process broadcasts via a near field communication technology (NFC®, Wi-Fi® or Bluetooth®) the establishment request received during step E21. This establishment request includes at least one service identifier associated with a recipient service / application.

[0075] Note that the 201 payment terminal can enrich the establishment request with the service identifier and / or the financial transaction identifier before its dissemination (E22). Alternatively, the service identifier and / or the financial transaction identifier are already included in the establishment request received during step E21.

[0076] During step E12, the mobile terminal 202, and more specifically a service / application running on the mobile terminal 202 identified by the service identifier contained in the establishment request, receives the establishment request from the electronic payment terminal 201. The service / application running on the mobile terminal 202, identified by the service identifier contained in the establishment request, corresponds to the transmission method as defined in the invention. If no service / application running on the mobile terminal 202 is associated with the service identifier contained in the establishment request, then no action is performed.

[0077] Optionally, if a financial transaction identifier is included in the establishment request and is not known to the application running on the 202 mobile terminal and / or the 202 mobile terminal itself, then no action is taken. This implementation ensures that the establishment request will only be processed by a terminal that has previously processed a financial transaction.

[0078] Optionally, when the mobile terminal 202 receives the establishment request (E12), it returns the establishment request and / or a validation (consent) request associated with the establishment request to the user 204. The user can then accept or refuse communication between one of their terminals and the merchant device 203.

[0079] According to a particular embodiment of the invention, the establishment request received by the transmission method further includes a merchant identifier. This identifier, or associated data / labeling, can be returned to the user 204 during the validation request. Thus, the user can, for example, refuse to allow communication between one of their terminals and the merchant device 203 if the merchant 207 is unknown to them. This embodiment adds a layer of security.

[0080] During step E13, the transmission process obtains and sends one or more user reachability identifiers 204 to the electronic payment terminal 201.

[0081] A reachability identifier can correspond to an email address (email, instant messaging address), a telephone number (MSISDN for Mobile Station International Subscriber Directory Number) or any other identifier allowing to be contacted by a third party.

[0082] Note that the sending of the contactability identifier(s) of user 204 may be conditional upon the result of the validation request returned to user 204. In addition, depending on whether the user validates the establishment request or not, the transmission process may generate and send a message to the payment terminal 201 indicating the customer's acceptance or refusal to be contacted by the merchant 207.

[0083] During step E23, the payment terminal 201 receives the contactability identifier(s) of user 204. In step E24, the payment terminal 201, and more specifically the delivery process, transmits the identifier(s) received during step E23 to the merchant device 203. The merchant device 203 receives them (E34) and then establishes communication with a user terminal 204 based on the contactability identifier(s) received. In the case described here, the received contactability identifier corresponds to the MSISDN of the mobile terminal 202, and communication is established with the mobile terminal 202 (E35, E16_1) using the RCS (Rich Communication Suite) protocol via a chatbot running on the merchant device 203.

[0084] According to a particular embodiment of the invention, communication / conversation with the mobile terminal 202 is established by a conversational agent executed in whole or in part at the level of the merchant device 203 and / or the server 205 (E45, E46, E16_2).

[0085] According to a particular embodiment of the invention, during step E34, the merchant device 203 further obtains (for example, from internal memory and / or the mobile terminal 202 and / or the payment terminal 201) the identifier of a financial transaction previously carried out between the payment terminal 201 and the mobile terminal 202 (E10, E30). This identifier is then transmitted to the chatbot so that it can contextualize the messages exchanged (i.e., send messages related to the transaction / purchase identified by the transaction identifier) ​​during the conversation established with the mobile terminal 202. For example, the chatbot can transmit to the mobile terminal 202 a digital receipt that corresponds to the transaction identified by the transaction identifier.

[0086] In general, the conversational agent can obtain the transaction identifier from the merchant device 203 or from a third-party device (for example, the payment terminal 201 or the mobile terminal 202) during the establishment of the communication / conversation with the mobile terminal 202 or during the communication / conversation itself.

[0087] According to a particular embodiment of the invention, if the conversational agent has already been in contact with one of the user's terminals 204, the conversation which is established between the conversational agent and the mobile terminal 202 resumes the history of exchanges and potentially of transactions carried out with the merchant 207.

[0088] According to a particular embodiment of the invention, the application executed on the mobile terminal 202 during step E12 corresponds to an application within a secure element such as a Subscriber Identity / Identification Module (SIEM), eSIM (embedded SIM), iSIM (integrated SIM), a Trusted Execution Environment (TEE), etc. Alternatively, the application executed on the mobile terminal 202 during step E12 corresponds to a mobile application deployed within a Hosted Card Emulation (HCE) environment / architecture. The service identifier then corresponds to an application identifier (AID) conforming to ISO 7816-5.

[0089] According to a particular embodiment of the invention, the application executed on the mobile terminal 202 during step E12 is hosted within an NFC application wallet. Alternatively, the application and the wallet are a single application.

[0090] According to a particular embodiment of the invention, the application executed at the level of the mobile terminal 202 during step E12 further includes the software client enabling exchange / communication with the merchant's conversational agent 207.

[0091] According to a particular embodiment of the invention, the supply method is included in a payment application executed by the electronic payment terminal 201.

[0092] It goes without saying that the embodiment described above has been given purely as an indication and is in no way limiting, and that many modifications can easily be made by a person skilled in the art without going out of the scope of the invention.

[0093] The invention can, for example, be applied to an access control system (e.g., urban transport such as a subway). The payment terminal 201 can then be integrated into an access gate or any device that regulates access to a space, and the payment terminal 203 into a server operated by the transport operator. The communication channel / conversation established between the mobile terminal 202 and the server 203 can, for example, inform the user 204 (i.e., the traveler) about fare options, the total cost of their journeys, promotional offers, etc.

Claims

Method of providing a merchant device (203) with a user's contactability identifier, said method being implemented by an electronic payment terminal (201) and characterized in that it comprises: - a first stage of receiving (E21) from said merchant device a request to establish a communication; - a stage of broadcasting (E22) said request via a wireless proximity communication, said request including at least one service identifier; - a second stage of receiving (E23) from a user mobile terminal, in response to the broadcasting of said request and according to said service identifier issued, at least one contactability identifier of said user; - a stage of sending (E24), to said merchant device (203), said at least one contactability identifier. Method according to claim 1 wherein the first receiving step is preceded by a payment transaction (E10, E30). Method according to claim 1 wherein said merchant device (203) corresponds to a cash receipt device. A method according to claim 1 wherein said reachability identifier is chosen from a group comprising at least: - an email address; - a telephone number; - an identifier of an instant messaging application. A method according to claim 1 in which said request includes at least one identifier of said merchant and in that said second receiving step is carried out according to said at least one identifier of said merchant. A method according to claim 2, wherein the emission step further comprises the emission of data relating to said payment transaction. Method of transmitting a contactability identifier of a user of a mobile terminal, said method being implemented by said mobile terminal (202) and characterized in that it comprises:- a first stage of receiving (E12), from an electronic payment terminal (201), via a wireless proximity communication, a request to establish a communication including at least one service identifier;- a stage of obtaining (E13) said contactability identifier of said user according to said at least one service identifier;- a stage of transmitting (E13) said contactability identifier of said user to said electronic payment terminal (201). A method according to claim 7 in which the transmission step is carried out based on the result of a validation step of said user. A method according to claim 7 in which said establishment request further includes a merchant identifier and in that the step of transmitting said user contactability identifier is carried out according to the value of said merchant identifier. Device for providing a merchant device with a user's contactability identifier, said device being included in an electronic payment terminal and characterized in that it comprises: - a first receiving module (RECV1) from said merchant device of a request to establish a communication; - a broadcasting module (DIFF) of said request via a proximity wireless communication, said request including at least one service identifier; - a second receiving module (RECV2) from a user mobile terminal, in response to the broadcasting of said request and according to said service identifier issued, of at least one contactability identifier of said user; - a sending module (SND), to said merchant device, of said at least one contactability identifier. Terminal comprising a supply device according to claim 10 and a merchant device. Device for transmitting a user's contactability identifier, said device being included in a user's mobile terminal and characterized in that it comprises: - a receiving module (GET), from an electronic payment terminal, via a wireless proximity communication, of a request to establish a communication including at least one service identifier; - an obtaining module (OBT), based on said at least one service identifier, of said contactability identifier of said user; - a transmission module (ENV) of said contactability identifier of said user to said electronic payment terminal. Computer program comprising instructions for carrying out the supply method according to any one of claims 1 to 6 and / or the transmission method according to any one of claims 8 to 9, when the program is executed by a processor. Computer-readable recording medium on which a computer program according to claim 13 is recorded.

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