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GB2412001A - System for payment transaction authentication - Google Patents

System for payment transaction authentication Download PDF

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Publication number
GB2412001A
GB2412001A GB0504839A GB0504839A GB2412001A GB 2412001 A GB2412001 A GB 2412001A GB 0504839 A GB0504839 A GB 0504839A GB 0504839 A GB0504839 A GB 0504839A GB 2412001 A GB2412001 A GB 2412001A
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GB
United Kingdom
Prior art keywords
user
payment transaction
wireless communication
communication device
transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
GB0504839A
Other versions
GB0504839D0 (en
Inventor
Thomas Peter Cronin
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of GB0504839D0 publication Critical patent/GB0504839D0/en
Publication of GB2412001A publication Critical patent/GB2412001A/en
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An apparatus and method for payment transaction authentication is provided. The apparatus comprises a wireless communication device 10 including means for inputting biometrically identifiable information relating to a user. The identity of the user is verified by comparing the inputted biometrically identifiable information to unique biometric information relating to an authorised user stored in a memory of the wireless communication device 10. Upon verification of a user's identity, the user can request a payment transaction using the wireless communication device which connects to a remote merchant server 12. Confirmation of a successfully completed payment transaction is sent to a transaction validation device 13 normally retained by a retailer.

Description

241200 1
SYSTEM FOR PAYMENT TRANSACTION AUTHENTICATION
The present invention relates to an apparatus and method for payment transaction authentication, and more particularly to a secure authentication of a payment transaction using a wireless communication device.
A majority of credit based payment transactions are currently conducted using credit cards. Although the advantages of such cards are well known, they are highly susceptible to fraud. Once lost, stolen, or even when correctly used the information retained by the card is available and can be copied and passed on to third parties. Additionally, once the card details of a user are known they can be used unknown to the cardholder in any one of a number of non-face-to-face or card-not-present (CNP) payment transactions. No absolute authentication of a user is carried out before processing a payment transaction.
A number of security features have been added to credit cards and transaction processing systems over time to alleviate these problems including PIN numbers and most recently the use of biometric signals for authentication of users. Emerging smart card technologies incorporating such security features are now replacing conventional magnetic strip type cards. However, neither card provides a system in which there is no need for a person to produce any physical or numerical information to a third party so that their identity and authorization can be ascertained prior to a credit-based transaction. It is the object of the present invention to provide such a system Accordingly, the present invention provides an apparatus for payment transaction authentication comprising: a wireless communication device including means for inputting biometrically identifiable information relating to a user; means for verifying the identity of the user; means for connecting with a remote merchant server; a user interface for effecting a payment transaction; and a transaction validation device.
Preferably, unique biometric information relating to an authorised user is stored in memory of the wireless communication device.
. . ...
- . . . . . .. ..
e. . . . . . ë. The primary advantages of the apparatus for payment transaction authentication of the present invention is that the identity of the customer is ascertained quickly and the inputted biometrically identifiable information required for authentication is stored on the wireless communication device itself. In other known biometric authentication processes, inputted biometrically identifiable information such as a scanned fingerprint is transmitted digitally to a remote server storing millions of fingerprint records. A remote computer must then scan through these records to confirm the identity of a customer.
Ideally, the inputted biometrically identifiable information consists of one or more 1 0 fingerprints.
Preferably, the means for inputting biometrically identifiable information relating to a user comprises an apparatus for scanning a fingerprint using a linear sensor. A suitable apparatus for this purpose is disclosed in United States Patent Specification no. 6,324,31 0.
Ideally, the means for inputting biometrically identifiable information relating to a user is integrally formed with the wireless communication device.
Alternatively, the means for inputting biometrically identifiable information relating to a user is attachable to the wireless communication device.
Ideally, the means for verifying the identity of the user compares the inputted biometrically identifiable information to the unique biometric information of an authorised user stored in a memory of the wireless communication device.
Conveniently, the means for verifying the identity of the user is stored in a processing unit of the wireless communication device.
Alternatively, the means for verifying the identity of the user and the unique biometric information relating to an authorised user is stored in a SIM (Subscriber Identification Module) card within the wireless communication device.
Ideally, the means for connecting to a remote merchant server includes a wireless local area network (WLAN) or a wireless personal area network (WPAN).
.. en.
e e a e a e c.
.. . . . ë a Conveniently, the user interface for effecting a payment transaction is displayed on the visual display unit (VDU) of the wireless communication device.
Preferably, the transaction validation device receives confirmation when a transaction has been successfully processed.
Ideally, the transaction validation device is retained by the retailer.
The present invention also provides a method of making a payment transaction comprising the steps of: inputting biometrically identifiable information and initiating an identity verification algorithm stored in a wireless communication device; upon verification of the identity of the user, selecting a payment transaction type and inputting a retailer account number and transaction amount; automatically dialling a secure merchant server; the merchant server identifying the user and checking the user's account for transaction authorization; the merchant server authorising or refusing the transaction; upon authorising the transaction, conducting the further steps of: the merchant server validating the retailer account number and transferring the transaction value to the retailer account; the merchant server debiting the user account of the transaction value; and the merchant server sending confirmation to the transaction validation device that a transaction has been processed.
The present invention allows convenient application of credit based payments with a wireless communication device by connecting to a remote merchant server. No tangible information (eg. a credit card) or numerical information (eg. P.l.N.) is passed to the retailer. The only information required by an authorised user to make a credit based payment is an unique retailer account number. This makes the system of the present invention ideal for use in CNP and non-face-to-face payment transactions which prevail in e-commerce.
. . ... e.
. . . cue . e ë The invention will hereinafter be more particularly described with reference to the accompanying drawing which shows by way of example only, one embodiment of an apparatus and method for payment transaction authentication according to the invention.
In the drawings: Figure 1 shows a schematic illustration of a system for payment transaction authentication using the apparatus and method of the invention; Figure 2 is a flowchart illustrating the operation of the system of Figure 1; and Figure 3-8 are flowcharts illustrating the steps involved in a credit-based payment transaction using the apparatus and method of the invention.
Referring initially to Figures 1 and 2, an embodiment of a system for payment transaction authentication using the apparatus and method of the present invention is shown. The system includes any suitable wireless communication device such as for instance, a mobile phone 10. An apparatus for scanning a fingerprint (not shown) using a linear sensor is incorporated into the mobile phone 10 and allows a customer 9 to scan a fingerprint by rolling a finger end over the apparatus.
Once a fingerprint is scanned, authentication of the identity of the customer takes place internally within the mobile phone. The means for verifying the identity of the customer uses a program stored on the processing unit of the mobile phone. The program initiates an identity matching algorithm. One or a number of fingerprints of the customer 9 are stored in the memory of the mobile phone and the scanned fingerprint(s) are compared with the stored fingerprint(s) during the verification/identity matching stage. If the scanned fingerprint(s) match one or a predetermined number of the stored prints, the identity of the customer is verified and the customer can proceed to request a payment transaction.
If the identity of a customer has been successfully verified, a user portal 11 is displayed on the visual display unit of the mobile phone and requests the customer to input transaction details. As illustrated in Figure 2, the customer selects a payment transaction type and inputs a retailer account number and transaction amount. The user portal 11 may take the form of a WAR (Wireless Application Protocol) site. When the transaction c e. ...
. . ce c.
c c details have been entered, the mobile phone 10 automatically dials a remote merchant server 12 and once a connection is established, the transaction details are sent to the merchant server 12 as an encrypted file. External identification of the customer is carried out by the merchant server by identifying the origin of the call and checking for authorization on the customer's account for the required amount.
If the payment transaction request is approved by the merchant server 12 and the customer elects to proceed with the transaction, the merchant server 12 validates the retailer account number and transfers the transaction amount to the retailer account. At the same time, the transaction amount is debited from the customer's account. The retailer account number is issued to retailers by the financial or credit institution operating the merchant server 12.
When a payment transaction has been successfully completed, the merchant server 12 sends confirmation to a transaction validation device 14 associated with the retailer account number and normally retained by the retailer at their place of business. This confirmation provides proof of a completed transaction to the retailer.
Figures 2 to 8 are flow charts illustrating the steps involved in a method of conducting a credit-based payment transaction according to the invention. The sub-menus displayed by the user portal 11 of the apparatus are also shown. It also possible to conduct a debit- based payment transaction or credit an account of a third party using the apparatus and method of the invention by selecting the appropriate options from the sub-menus.
In a further embodiment of the invention, a fingerprint of a customer is scanned using an external biometric input device which is attachable to the customer's mobile phone. Such an external input device may be provided in-store and used by the customer to initiate a payment transaction by scanning a fingerprint and completing verification of their identity.
The external input device may also be connected to the customer's mobile phone via an external processor which pre-processes the scanned fingerprint before the identity matching algorithm is initiated on the mobile phone.
It is to be understood that the invention is not limited to the specific details described herein which are given by way of example only and that various modifications and alterations are possible without departing from the scope of the invention as defined in the appended claims.

Claims (16)

-e e-e a e e ee e ëe e @ e e e e e e CLAIMS:
1. An apparatus for payment transaction authentication comprising: a wireless communication device including means for inputting biometrically identifiable information relating to a user; means for verifying the identity of the user; means for connecting with a remote merchant server; a user interface for effecting a payment transaction; and a transaction validation device.
2. An apparatus for payment transaction authentication as claimed in Claim 1, in which unique biometric information relating to an authorised user is stored in a memory of the wireless communication device.
3. An apparatus for payment transaction authentication as claimed in Claim 1 and Claim 2, in which the means for verifying the identity of the user compares the inputted biometrically identifiable information to the unique biometric information of an authorised user stored in a memory of the wireless communication device.
4. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the means for verifying the identity of the user is stored in a processing unit of the wireless communication device.
5. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the means for verifying the identity of the user and the unique biometric information relating to an authorised user is stored in a SIM (Subscriber Identification Module) card within the wireless communication device.
6. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the means for connecting to a remote merchant server includes a wireless local area network (WLAN) or a wireless personal area network (WPAN).
7. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the user interface for effecting a payment transaction is displayed on the visual display unit (VDU) of the wireless communication device.
. . . . . . . . .
8. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the transaction validation device receives confirmation when a transaction has been successfully processed.
9. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the means for inputting biometrically identifiable information relating to a user comprises an apparatus for scanning a fingerprint.
10. An apparatus for payment transaction authentication as claimed in claim 9, in which the apparatus for scanning a fingerprint comprises a linear sensor.
11. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the means for inputting biometrically identifiable information relating to a user is integrally formed with the wireless communication device.
12. An apparatus for payment transaction authentication as claimed in any of claims 1 10, in which the means for inputting biometrically identifiable information relating to a user is attachable to the wireless communication device.
13. An apparatus for payment transaction authentication as claimed in any preceding claim, in which the wireless communication device is a mobile phone.
14. An apparatus for payment transaction authentication, substantially in accordance with any of the embodiments herein described with reference to and as shown in the accompanying drawings.
15. A method of making a payment transaction comprising the steps of: inputting biometrically identifiable information and initiating an identity verification algorithm stored in a wireless communication device; upon verification of the identity of the user, selecting a payment transaction type and inputting a retailer account number and transaction amount; automatically dialling a secure merchant server; the merchant server identifying the user and checking the user's account for transaction authorization; the merchant server authorising or refusing the transaction; c c c c c-.
secc, c a c c a c c .
C C C - C C C
C C C C C C C. C C upon authorising the transaction, conducting the further steps of: the merchant server validating the retailer account number and transferring the transaction value to the retailer account; the merchant server debiting the user account of the transaction value; and the merchant server sending confirmation to the transaction validation device that a transaction has been processed.
16. A method of making a payment transaction as claimed in claim 14, substantially in accordance with any of the embodiments herein described with reference to and as shown in the accompanying drawings.
GB0504839A 2004-03-09 2005-03-09 System for payment transaction authentication Withdrawn GB2412001A (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
IE20040140 2004-03-09

Publications (2)

Publication Number Publication Date
GB0504839D0 GB0504839D0 (en) 2005-04-13
GB2412001A true GB2412001A (en) 2005-09-14

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002092320A (en) * 2000-09-14 2002-03-29 Ntt Electornics Corp Electronic payment system, electronic payment method, and mobile phone with electronic payment function
EP1271436A2 (en) * 2001-06-25 2003-01-02 NTT DoCoMo, Inc. A mobile terminal authentication method and a mobile terminal therefor
JP2003006549A (en) * 2001-06-26 2003-01-10 Nec Soft Ltd Cash payment system and method by using portable telephone loaded with fingerprint authentication device
WO2003007538A1 (en) * 2001-07-12 2003-01-23 Icontrol Transactions, Inc. Operating model for mobile wireless network based transaction authentication and non-repudiation
JP2004030176A (en) * 2002-06-25 2004-01-29 Nec Infrontia Corp System, method, and program for settlement by using fingerprint

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002092320A (en) * 2000-09-14 2002-03-29 Ntt Electornics Corp Electronic payment system, electronic payment method, and mobile phone with electronic payment function
EP1271436A2 (en) * 2001-06-25 2003-01-02 NTT DoCoMo, Inc. A mobile terminal authentication method and a mobile terminal therefor
JP2003006549A (en) * 2001-06-26 2003-01-10 Nec Soft Ltd Cash payment system and method by using portable telephone loaded with fingerprint authentication device
WO2003007538A1 (en) * 2001-07-12 2003-01-23 Icontrol Transactions, Inc. Operating model for mobile wireless network based transaction authentication and non-repudiation
JP2004030176A (en) * 2002-06-25 2004-01-29 Nec Infrontia Corp System, method, and program for settlement by using fingerprint

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