发明名称 |
Methods and Devices for Conducting Payment Transactions |
摘要 |
Methods and devices for of conducting a payment transaction between a mobile terminal and a payment terminal in communication with a payment backend system involve: (a) sending a unique mobile terminal identifier from the mobile terminal to the payment backend system; (b) returning a cryptogram from the payment backend system to the mobile terminal, wherein the cryptogram comprises a unique transaction identifier in encrypted form; (c) transforming the cryptogram into a proximity payment token such that the proximity payment token contains the unique transaction identifier in encrypted form and transmitting the proximity payment token to the payment terminal via a proximity communication channel; (d) forwarding a transaction record including the unique transaction identifier in encrypted form and the amount of the payment transaction from the payment terminal to the payment backend system; and (e) decrypting the unique transaction data identifier in encrypted form and processing the payment transaction. |
申请公布号 |
US2017109740(A1) |
申请公布日期 |
2017.04.20 |
申请号 |
US201515316984 |
申请日期 |
2015.06.12 |
申请人 |
GIESECKE & DEVRIENT GMBH |
发明人 |
BESCH Matthias;LI Xiaomin;ZHANG Xiaodong |
分类号 |
G06Q20/38;G06Q20/10;G06Q20/32 |
主分类号 |
G06Q20/38 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
München DE |