Method of conducting an emv payment process using irfm

Details Method of conducting an emv payment process using irfm Method of conducting an emv payment process using irfm

G - Physics

07

F

G07F 7/08 (2006.01) G06Q 20/00 (2006.01)

Patent

CA 2433594

The present invention relates to a method of conducting an EMV (Europay Master Visa) payment process optimally using IrFM (Infrared Financial Messaging) between a mobile terminal and a POS (Point Of Sale) terminal. In the present method, if a buyer is authenticated based on information written in a card chip installed in a mobile terminal, information for transaction approval is transmitted to a POS terminal, and if an approval is responded from the POS terminal, a digital receipt for this transaction is transmitted to the POS terminal. Then, if transaction end is requested from the POS terminal, a connected session is released.

La présente invention concerne un procédé destiné à réaliser une opération de paiement par EMV (Europay-Master-Visa) de manière optimale au moyen d'une messagerie IrFM (messagerie financière à transmission par infrarouge) entre un terminal mobile et un terminal POS (point de vente). Selon ce procédé, si un acheteur est authentifié sur la base d'informations écrites dans une puce de carte installée dans un terminal mobile, des informations d'acceptation de transaction sont transmises vers un terminal POS, et si un message d'acceptation est envoyé en réponse à partir du terminal POS, un reçu numérique correspondant à cette transaction est transmis vers le terminal POS. Ensuite, si la fin de la transaction est demandée à partir du terminal POS, une session de connexion est libérée.

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