Secure Payments Using Portable Communication Devices and Two Dimensional Codes

摘要

Method and system for facilitating a transaction between a payor and a payee. The method involves, on a first portable communication device of a payee (12), receiving transaction data, generating a digitally signed invoice artefact incorporating the transaction data and displaying the digitally signed invoice artefact on a display of the payee's device (12). The method then involves, on a second portable communication device of a payor (10), capturing an image of the displayed digitally signed invoice artefact and extracting the transaction data, displaying the transaction data on a display of the payor's device (10), receiving a user input confirming the correctness of the transaction data and transmitting the transaction data securely to a verification centre (16), generating a digitally signed confirmation artefact, and displaying the digitally signed confirmation artefact on the display of the payor's device (10). The method further involves, on the first payee's device (12), capturing an image of the displayed digitally signed confirmation artefact, and transmitting the transaction data securely to the verification centre (16) to confirm the transaction.

主权项

1. A method of facilitating a transaction between a payor and a payee, the method including the steps of:
on a first portable communication device of a payee, receiving transaction data, generating a digitally signed invoice artefact incorporating the transaction data and displaying the digitally signed invoice artefact on a display of the first portable communication device; on a second portable communication device of a payor, capturing an image of the displayed digitally signed invoice artefact and extracting the transaction data therefrom, displaying the transaction data on a display of the second portable communication device, receiving a user input confirming the correctness and acceptance of the transaction data and transmitting the transaction data securely to a verification centre, generating a digitally signed confirmation artefact, and displaying the digitally signed confirmation artefact on the display of the second portable communication device; and on the first portable communication device, capturing an image of the displayed digitally signed confirmation artefact, and transmitting the transaction data securely to the verification centre to confirm the transaction.