WO2008025863A1 - Platform for payment gateways, whereby users are linked in real time to banking institutions - Google Patents

Platform for payment gateways, whereby users are linked in real time to banking institutions Download PDF

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Publication number
WO2008025863A1
WO2008025863A1 PCT/ES2007/000081 ES2007000081W WO2008025863A1 WO 2008025863 A1 WO2008025863 A1 WO 2008025863A1 ES 2007000081 W ES2007000081 W ES 2007000081W WO 2008025863 A1 WO2008025863 A1 WO 2008025863A1
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WO
WIPO (PCT)
Prior art keywords
terminal
platform
host
real time
payment gateways
Prior art date
Application number
PCT/ES2007/000081
Other languages
Spanish (es)
French (fr)
Inventor
Cristóbal ROSA MORALES
Original Assignee
Rosa Morales Cristobal
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 Rosa Morales Cristobal filed Critical Rosa Morales Cristobal
Publication of WO2008025863A1 publication Critical patent/WO2008025863A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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

Definitions

  • the present invention relates to a platform for payment gateways by linking users in real time with their banking entities through the biometric recognition of vein structures.
  • the object of the invention is to provide a device that allows unequivocally making said payments without the need for the user to use a bank card, so that it cannot be stolen due to the lack thereof, that the subject can not be supplanted, that it is not necessary to memorize codes or secret keys, providing a safe device in its use, convenient and fast.
  • bank cards whether credit or debit cards for the purchase of purchases in stores and similar, as well as the withdrawal of money in ATMs of banks or savings banks is widespread.
  • This type of card presents as a fundamental problem its use by third parties, such as criminal groups, that through theft, copy of the card or knowledge of the numbering and password thereof through computer frauds, are able to subtract funds from
  • bank cards may fail due to anomalies suffered by their magnetic stripe, with the consequent and negative impact that this may have on the user at the time of making a payment by card, are likely to be lost, it is It is necessary to carry them with you at all times, being able to get to the case of forgetting the secret number or validation PIN of the same due to the high and increasing use of secret keys used in daily life for different credit cards, access to mobile phones, access to computers, etc., with the consequent nuisance that this may entail for the user.
  • the platform for payment gateways is materialized in a device as a point of sale terminal, portable, constituted from an operating terminal equipped with a communications module through radio frequencies with a connected equipment or "host" to the network through which to establish communication with the client's banking entity, whose fundamental characteristic is the incorporation of a biometric scanner of vein structures that allows the user identity to be verified uniquely, accessing their bank account without the need for Bank cards.
  • Each client will be previously registered in their bank or authorized merchants, providing more than one reading biometrics of vein structures, for example their hands.
  • the mobile unit or actuation terminal of the device incorporates a microprocessor with a certain software installed therein capable of sending the biometric reading made by the scanner to the local computer or "host" through of two radio frequency communications modules, also incorporating a color touch screen, a user interface complementary to the touch screen as a numeric keypad with a series of extra buttons of specific functions, a thermal printer, with matrix punch function for Braille writing, which is complemented by a loudspeaker through which blind people will be able to listen to the operations that are being carried out such as the data of the amount charged, choice of bank, etc.
  • a microprocessor with a certain software installed therein capable of sending the biometric reading made by the scanner to the local computer or "host" through of two radio frequency communications modules, also incorporating a color touch screen, a user interface complementary to the touch screen as a numeric keypad with a series of extra buttons of specific functions, a thermal printer, with matrix punch function for Braille writing, which is complemented by a loudspeaker through which blind people
  • Said actuating terminal will also incorporate the classic portable power supply complementary to the power supply of the local equipment or "host”, which will be provided with a microcontroller responsible for establishing communication with said server through a telephone modem as well as send the data transmitted through the action terminal for verification.
  • host the local equipment
  • microcontroller responsible for establishing communication with said server through a telephone modem as well as send the data transmitted through the action terminal for verification.
  • the action terminal through the aforementioned internal software will allow selecting the bank to be used and the account related to the payment as well as entering the amount to be paid.
  • this information is encrypted and sent to a secondary server, which will be validated with a second biometric reading, so that the data received is collated and sent to the corresponding bank for payment approval.
  • the printer issues two receipts for the transaction, one for the establishment and one for the customer.
  • a portable terminal (1) participates, associated with a local computer or "host" (2).
  • the actuation terminal (1) is constituted from a housing of small dimensions, preferably of dimensions such that they do not exceed 20x25 centimeters, in which a microprocessor (3) of data associated with a reader or scanner of biometric reading is established of the veins (4), so that said microprocessor (3) will perform different calculations on the image received from the scanner (4), identifying the delta point and a series of details or points where a specific form appears, making from this model a
  • the action terminal (1) will be equipped with a matrix touch screen (5), preferably in color, where the data to be confirmed, the communications of the different actions required, the error messages or incidents and any requirements will be presented. It is necessary or precise notice to communicate to the users, complementing said screen with a control interface (6) materialized in a numeric keypad with a series of extra buttons of specific functions such as local erase, enter key, ring key, etc.
  • the aforementioned screen (5) is assisted by at least one speaker (7) where, at the user's request, he can "listen” to the message (s) on the screen as well as the keystrokes, which will allow to improve the ability carry out transactions by people with reduced or impaired vision.
  • the actuation terminal (1) also incorporates a thermal printer (8) of continuous paper reels with a matrix punch function for Braille.
  • Said terminal (1) will be electrically powered through a portable power supply (9) preferably embodied in a simple Li-ion battery.
  • Said battery must supply the device with the power necessary for its operation for short periods of time since the rest of the time it will take to stay placed in its base or local "host” equipment (2) where the recharge of said battery will be carried out.
  • the actuation terminal (1) incorporates a radio frequency communications module (10) that will fulfill the task of sending the "package" of information built in the portable unit (1) to the local base or "host” ( 2) to be sent to the server, said package being already encrypted from the portable unit (1).
  • Said equipment or local "host” (2) is a complementary element to the actuation terminal (1), provided with a power supply (1 1) connectable to the electricity network and associated with a battery charger (9 ') to through which the power supply (9) of the portable actuation terminal (1) is recharged, incorporating a radio frequency communications module (10 ') identical to that used in the terminal (1), associated with a microcontroller (12) in charge of receiving the data packet sent through the communications module (10) for its shielding in the transport between both elements, being in charge of establishing the communication by means of a telephone modem (13) with the server (14) through the network (15).

Abstract

The invention relates to a platform in the form of a portable point of identification terminal formed by an actuation terminal (1) and a host or device (2) connected to the fixed telephone network, GSM/GPRS/G3 networks or similar. The actuation terminal (1) contains a built-in scanner or reader (4) for taking a biometric reading of the user's veins, associated with a microprocessor (3) containing internal software which can encrypt the biometric vein reading taken, for example, from the user's hand, in order to verify the user's identity by means of a connection provided by the local host or device (2) to the database of a server (14) in which the biometric reading has been pre-recorded. When the two readings match, the client at the actuation terminal (1) can obtain access and be identified by means of a touch screen (1) and a control interface (6). The resulting identification system is safe, convenient and easy to use and does not require the use of ID cards or passports.

Description

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PLATAFORMA PARA PASARELAS DE PAGOS MEDIANTE EL ENLACE A TIEMPO REAL DE LOS USUARIOS CON SUS ENTIDADES BANCARIASPLATFORM FOR PAYMENT PASSES THROUGH THE REAL-TIME LINK OF USERS WITH THEIR BANKING ENTITIES
D E S C R I P C I Ó ND E S C R I P C I Ó N
OBJETO DE LA INVENCIÓNOBJECT OF THE INVENTION
La presente invención se refiere a una plataforma para pasarelas de pago mediante el enlace a tiempo real de los usuarios con sus entidades bancarias a través del reconocimiento biométrico de las estructuras de las venas.The present invention relates to a platform for payment gateways by linking users in real time with their banking entities through the biometric recognition of vein structures.
El objeto de Ia invención es proporcionar un dispositivo que permita de forma inequívoca realizar los citados pagos sin necesidad de que el usuario necesite el empleo de una tarjeta bancada, de manera que ésta no pueda ser robada debido a Ia inexistencia de Ia misma, que el sujeto no pueda ser suplantado, que no sea necesaria Ia memorización de códigos o claves secretas, proporcionando un dispositivo seguro en su utilización, cómodo y rápido.The object of the invention is to provide a device that allows unequivocally making said payments without the need for the user to use a bank card, so that it cannot be stolen due to the lack thereof, that the subject can not be supplanted, that it is not necessary to memorize codes or secret keys, providing a safe device in its use, convenient and fast.
ANTECEDENTES DE LA INVENCIÓNBACKGROUND OF THE INVENTION
Es generalizado el uso de tarjetas bancarias, ya sean de crédito o de débito para el pago de compras en comercios y similares así como Ia retirada de dinero en cajeros automáticos de bancos o cajas de ahorros.The use of bank cards, whether credit or debit cards for the purchase of purchases in stores and similar, as well as the withdrawal of money in ATMs of banks or savings banks is widespread.
Este tipo de tarjetas presentan como problema fundamental su utilización por parte de terceros, tales como grupos delictivos, que mediante robo, copia de Ia tarjeta o conocimiento de Ia numeración y clave de Ia misma a través de fraudes informáticos, son capaces de sustraer fondos deThis type of card presents as a fundamental problem its use by third parties, such as criminal groups, that through theft, copy of the card or knowledge of the numbering and password thereof through computer frauds, are able to subtract funds from
Ia cuenta del propietario de Ia misma, en muchas ocasiones sin que éste se dé cuenta o de manera que cuando el mismo se aperciba de Ia estafa sufrida sea demasiado tarde.The account of the owner of the same, on many occasions without it realize or so that when it is aware of the scam suffered it is too late.
Asimismo cabe destacar el hecho de que dichas tarjetas bancarias pueden fallar debido a anomalías que sufra su banda magnética, con Ia consecuente y negativa repercusión que ello puede suponer para el usuario en el momento de realizar un pago mediante tarjeta, son susceptibles de perderse, es necesario llevarlas consigo en todo momento, pudiéndose llegar a dar el caso del olvido del número secreto o PIN de validación de Ia misma debido al elevado y creciente uso de claves secretas utilizadas en Ia vida cotidiana para diferentes tarjetas de crédito, acceso a teléfonos móviles, acceso a ordenadores, etc, con Ia consecuente molestia que ello puede suponer para el usuario.Also noteworthy is the fact that these bank cards may fail due to anomalies suffered by their magnetic stripe, with the consequent and negative impact that this may have on the user at the time of making a payment by card, are likely to be lost, it is It is necessary to carry them with you at all times, being able to get to the case of forgetting the secret number or validation PIN of the same due to the high and increasing use of secret keys used in daily life for different credit cards, access to mobile phones, access to computers, etc., with the consequent nuisance that this may entail for the user.
DESCRIPCIÓN DE LA INVENCIÓNDESCRIPTION OF THE INVENTION
La plataforma para pasarelas de pagos que Ia invención propone resuelve de forma plenamente satisfactoria Ia problemática anteriormente expuesta en todos y cada uno de los aspectos comentados.The platform for payment gateways that the invention proposes solves in a fully satisfactory way the problem previously stated in each and every one of the aspects mentioned.
Para ello Ia plataforma para pasarelas de pagos se materializa en un dispositivo a modo de terminal de punto de venta, portátil, constituido a partir de un terminal de actuación dotado de un módulo de comunicaciones a través de radiofrecuencias con un equipo o "host" conectado a Ia red a través del que establecer comunicación con Ia entidad bancaria del cliente, cuya característica fundamental estriba en Ia incorporación de un escáner biométrico de estructuras de venas que permite comprobar de forma unívoca Ia identidad del usuario, accediendo a su cuenta bancaria sin necesidad de tarjetas bancarias.For this, the platform for payment gateways is materialized in a device as a point of sale terminal, portable, constituted from an operating terminal equipped with a communications module through radio frequencies with a connected equipment or "host" to the network through which to establish communication with the client's banking entity, whose fundamental characteristic is the incorporation of a biometric scanner of vein structures that allows the user identity to be verified uniquely, accessing their bank account without the need for Bank cards.
Cada cliente será previamente dado de alta en su entidad bancaria o en comercios autorizados, proporcionando mas de una lectura biométricα de las estructuras de las venas, de por ejemplo sus manos.Each client will be previously registered in their bank or authorized merchants, providing more than one reading biometrics of vein structures, for example their hands.
Estos datos son introducidos en una base de datos de un servidor a través de un determinado software, a Ia que se accederá posteriormente para comprobar Ia identidad del cliente y permitir realizar los correspondientes pagos a través de su entidad o entidades bancarias.These data are entered into a database of a server through a certain software, which will be accessed later to verify the identity of the client and allow the corresponding payments to be made through its entity or banking entities.
De acuerdo con otra de las características de Ia invención, Ia unidad móvil o terminal de actuación del dispositivo incorpora un microprocesador con un determinado software instalado en el mismo capaz de enviar Ia lectura biométrica realizada por el escáner al equipo o "host" local a través de sendos módulos de comunicaciones por radiofrecuencias, incorporando asimismo una pantalla táctil en color, una interface de usuario complementaria a Ia pantalla táctil a modo de teclado numérico con una serie de pulsadores extra de funciones específicas, una impresora térmica, con función de punzado matricial para escritura en Braille, que se complementa con un altavoz a través del que las personas invidentes podrán escuchar las operaciones que se están realizando tales como los datos de Ia cantidad cobrada, elección de entidad bancaria, etc.According to another of the characteristics of the invention, the mobile unit or actuation terminal of the device incorporates a microprocessor with a certain software installed therein capable of sending the biometric reading made by the scanner to the local computer or "host" through of two radio frequency communications modules, also incorporating a color touch screen, a user interface complementary to the touch screen as a numeric keypad with a series of extra buttons of specific functions, a thermal printer, with matrix punch function for Braille writing, which is complemented by a loudspeaker through which blind people will be able to listen to the operations that are being carried out such as the data of the amount charged, choice of bank, etc.
Dicho terminal de actuación incorporará asimismo Ia clásica fuente de alimentación portátil complementaria de Ia fuente de alimentación del equipo o "host" local, el cual estará dotado de un microcontrolador encargado de establecer comunicación con el citado servidor a través de un módem telefónico así como de enviar los datos transmitidos a través del terminal de actuación para su comprobación.Said actuating terminal will also incorporate the classic portable power supply complementary to the power supply of the local equipment or "host", which will be provided with a microcontroller responsible for establishing communication with said server through a telephone modem as well as send the data transmitted through the action terminal for verification.
Así pues, cuando el cliente desee realizar una compra en comercio Ie facilitará el terminal de actuación de Ia plataforma de Ia invención, para que inicie el proceso mediante una primera lectura biométrica de una de las estructuras de venas, por ejemplo de Ia mano.Thus, when the customer wishes to make a purchase in commerce Ie will facilitate the actuation terminal of the platform of the invention, so that he begins the process by means of a first biometric reading of one of the vein structures, for example by hand.
La lectura de esta estructura de venas es codificada y enviada a un servidor primario para su comprobación.The reading of this vein structure is coded and sent to a primary server for verification.
Una vez recibida Ia aceptación de Ia lectura, el terminal de actuación a través del citado software interno permitirá seleccionar el banco a utilizar y Ia cuenta relacionada con el pago así como introducir Ia cantidad a pagar.Once the acceptance of the reading has been received, the action terminal through the aforementioned internal software will allow selecting the bank to be used and the account related to the payment as well as entering the amount to be paid.
Una vez introducidos estos datos se procede a codificar esta información y a enviarla a un servidor secundario, el cual procederá a su validación con una segunda lectura biométrica, de manera que los datos recibidos son cotejados y enviados al banco correspondiente para aprobación del pago.Once these data have been entered, this information is encrypted and sent to a secondary server, which will be validated with a second biometric reading, so that the data received is collated and sent to the corresponding bank for payment approval.
Finalmente, Ia impresora emite dos recibos de Ia transacción realizada, uno para el establecimiento y otro para el cliente.Finally, the printer issues two receipts for the transaction, one for the establishment and one for the customer.
Por último, cabe destacar asimismo que si bien Ia presente descripción se ha hecho en base a un dispositivo a modo de terminal de punto de venta para su implantación en comercios y similares, dicho dispositivo podría integrarse igualmente en un cajero automático a fin de permitir realizar las diferentes operaciones que este tipo de dispositivos ofrecen, sin que ello afecte a Ia esencialidad de Ia invención.Finally, it should also be noted that although the present description has been made based on a device as a point of sale terminal for implantation in shops and the like, said device could also be integrated into an ATM in order to allow the different operations that this type of devices offer, without affecting the essentiality of the invention.
Se consigue de ésta forma una plataforma para pasarelas de pagos de fácil utilización, sumamente segura, de fácil y rápida integración en el entorno comercial, en Ia que es imprescindible Ia intervención del cliente, de manera que Ia forma de pago y Ia cantidad a abonar pueden ser introducidas indistintamente por parte del comercio como por parte del cliente.In this way, a platform for easy-to-use payment gateways is achieved, extremely secure, easy and fast integration into the commercial environment, in which the intervention of the client is essential, so that the payment method and the amount to be paid they can be introduced interchangeably by the merchant as well as by the client.
DESCRIPCIÓN DE LOS DIBUJOS Pαrα complementar Ia descripción que se está realizando y con objeto de ayudar a una mejor comprensión de las características del invento, de acuerdo con un ejemplo preferente de realización práctica del mismo, se acompaña como parte integrante de dicha descripción, una hoja única de planos en donde con carácter ilustrativo y no limitativo, se ha representado de forma esquemática los distintos elementos que participan en una plataforma para pasarelas de pagos mediante el enlace a tiempo real de los usuarios con sus entidades bancarias, realizada de acuerdo con el objeto de Ia invención.DESCRIPTION OF THE DRAWINGS Pαrα complement the description that is being made and in order to help a better understanding of the characteristics of the invention, according to a preferred example of practical realization of the same, a single sheet of plans is accompanied as an integral part of said description. where, in an illustrative and non-limiting manner, the different elements that participate in a platform for payment gateways have been represented in a schematic way through the real-time connection of users with their banking entities, carried out in accordance with the object of the invention.
REALIZACIÓN PREFERENTE DE LA INVENCIÓNPREFERRED EMBODIMENT OF THE INVENTION
A Ia vista de Ia figura reseñada puede observarse como en Ia plataforma para pasarelas de pagos objeto de Ia invención participa un terminal de actuación (1 ), portátil asociado a un equipo o "host" local (2).In view of the above-mentioned figure, it can be seen how in the platform for payment gateways object of the invention a portable terminal (1) participates, associated with a local computer or "host" (2).
El terminal de actuación (1 ) está constituido a partir de una carcasa de reducidas dimensiones, preferentemente de dimensiones tales que no excedan los 20x25 centímetros, en cuyo seno se establece un microprocesador (3) de datos asociado a un lector o escáner de lectura biométrica de las venas (4), de manera que dicho microprocesador (3) realizará diferentes cálculos sobre Ia imagen recibida desde el escáner (4), identificando el punto delta y una serie de minuciales o puntos donde aparezca una forma concreta, realizando a partir de este modelo unThe actuation terminal (1) is constituted from a housing of small dimensions, preferably of dimensions such that they do not exceed 20x25 centimeters, in which a microprocessor (3) of data associated with a reader or scanner of biometric reading is established of the veins (4), so that said microprocessor (3) will perform different calculations on the image received from the scanner (4), identifying the delta point and a series of details or points where a specific form appears, making from this model a
"mapa" o listado de coordenadas de posición de dichas minuciales respecto al punto delta, pasando a construir el paquete de datos que serán encriptados."map" or list of position coordinates of these details with respect to the delta point, going on to build the data package that will be encrypted.
Asimismo el terminal de actuación (1 ) estará dotado de una pantalla matricial táctil (5), preferentemente a color, donde se presentarán los datos a confirmar, las comunicaciones de las diferentes actuaciones necesarias, los mensajes de error o incidencias y cualquier requisito necesαrio o aviso preciso de comunicar a los usuarios, complementándose dicha pantalla con una interface de control (6) materializada en un teclado numérico con una serie de pulsadores extra de funciones específicas como el borrado local, tecla intro, tecla anular, etc.Likewise, the action terminal (1) will be equipped with a matrix touch screen (5), preferably in color, where the data to be confirmed, the communications of the different actions required, the error messages or incidents and any requirements will be presented. it is necessary or precise notice to communicate to the users, complementing said screen with a control interface (6) materialized in a numeric keypad with a series of extra buttons of specific functions such as local erase, enter key, ring key, etc.
Complementariamente Ia citada pantalla (5) está asistida por un al menos un altavoz (7) donde, a deseo del usuario, podrá "escuchar" el o los mensajes de Ia pantalla así como las pulsaciones del teclado, Io que permitirá mejorar Ia capacidad de realizar transacciones por parte de personas disminuidas o con dificultades de visión.In addition, the aforementioned screen (5) is assisted by at least one speaker (7) where, at the user's request, he can "listen" to the message (s) on the screen as well as the keystrokes, which will allow to improve the ability carry out transactions by people with reduced or impaired vision.
Los controles necesarios para ajusfar los contrastes de Ia pantalla, volumen del altavoz de audio y otros parámetros auxiliares del dispositivo se incorporarán en el teclado para poder realizarlos de manera sencilla, y sin ningún tipo de preparación.The necessary controls to adjust the contrasts of the screen, volume of the audio speaker and other auxiliary parameters of the device will be incorporated in the keyboard to be able to perform them in a simple way, and without any preparation.
El terminal de actuación (1 ) incorpora asimismo una impresora (8) térmica de bobinas de papel continuo con función de punzado matricial para el Braille.The actuation terminal (1) also incorporates a thermal printer (8) of continuous paper reels with a matrix punch function for Braille.
Dicho terminal (1 ) estará alimentado eléctricamente a través de una fuente de alimentación portátil (9) materializada preferentemente en una sencilla batería de Li-ion. Dicha batería deberá suministrar al dispositivo Ia alimentación necesaria para su funcionamiento durante cortos espacios de tiempo ya que el resto del tiempo beberá mantenerse colocado en su base o equipo "host" local (2) donde se realizará Ia recarga de dicha batería.Said terminal (1) will be electrically powered through a portable power supply (9) preferably embodied in a simple Li-ion battery. Said battery must supply the device with the power necessary for its operation for short periods of time since the rest of the time it will take to stay placed in its base or local "host" equipment (2) where the recharge of said battery will be carried out.
Por último, el terminal de actuación (1 ) incorpora un módulo de comunicaciones por radiofrecuencias (10) que cumplirá con el cometido de enviar el "paquete" de información construido en Ia unidad portátil (1 ) a Ia base o "host" local (2) para que sea enviado al servidor, siendo dicho paquete encriptado ya desde Ia unidad portátil (1 ). El citado equipo o "host" local (2) es un elemento complementario al terminal de actuación (1 ), dotado de una fuente de alimentación (1 1 ) conectable a Ia red eléctrica y asociada a un cargador de batería (9') a través de Ia que se recarga Ia fuente alimentación (9) del terminal portátil de actuación (1 ), incorporando un módulo de comunicaciones por radiofrecuencias (10') idéntico al utilizado en el terminal (1 ), asociado a un microcontrolador (12) encargado de recibir el paquete de datos enviado a través del módulo de comunicaciones (10) para su blindaje en el transporte entre ambos elementos, siendo el encargado de establecer Ia comunicación mediante un módern telefónico (13) con el servidor (14) a través de Ia red (15). Finally, the actuation terminal (1) incorporates a radio frequency communications module (10) that will fulfill the task of sending the "package" of information built in the portable unit (1) to the local base or "host" ( 2) to be sent to the server, said package being already encrypted from the portable unit (1). Said equipment or local "host" (2) is a complementary element to the actuation terminal (1), provided with a power supply (1 1) connectable to the electricity network and associated with a battery charger (9 ') to through which the power supply (9) of the portable actuation terminal (1) is recharged, incorporating a radio frequency communications module (10 ') identical to that used in the terminal (1), associated with a microcontroller (12) in charge of receiving the data packet sent through the communications module (10) for its shielding in the transport between both elements, being in charge of establishing the communication by means of a telephone modem (13) with the server (14) through the network (15).

Claims

R E I V I N D I C A C I O N E SR E I V I N D I C A C I O N E S
I a.- Plataforma para pasarelas de pagos mediante el enlace a tiempo real de los usuarios con sus entidades bancarias, que siendo del tipo de los que se materializan en un dispositivo a modo de terminal de punto de venta, constituido por un terminal de actuación (1 ) portátil, dotado de una pantalla y un interfaz de control, así como de un módulo de comunicaciones a través de radiofrecuencias (10-10') con un equipo o "host" local (2) conectado a Ia red telefónica, a través del que establecer comunicación por medio de un módem (13) con uno o mas servidores en orden a realizar transacciones bancarias, se caracteriza porque el citado terminal de actuación portátil (1 ) incorpora un lector o escáner (4) de lectura biométrica de las venas del usuario, asociado a un microprocesador (3) dotado de un software interno capaz de encriptar Ia lectura biométrica de las venas de dicho usuario, por ejemplo de su mano, para Ia comprobación de su identificación mediante Ia conexión por medio del equipo o "host" local (2) a Ia base de datos de un servidor (14) en el que dicha lectura biométrica ha sido previamente registrada, así como para permitir el acceso a su cuenta o cuentas bancarias y el pago del importe introducido a través del terminal de actuación (1 ).I a .- Platform for payment gateways through the real-time link of users with their banking entities, which being of the type that materialize in a device as a point of sale terminal, constituted by an action terminal (1) portable, equipped with a screen and a control interface, as well as a communications module through radio frequencies (10-10 ') with a local equipment or "host" (2) connected to the telephone network, to through which to establish communication by means of a modem (13) with one or more servers in order to carry out bank transactions, it is characterized in that the said portable actuation terminal (1) incorporates a reader or scanner (4) of biometric reading of the Veins of the user, associated with a microprocessor (3) equipped with an internal software capable of encrypting the biometric reading of the veins of said user, for example of his hand, for the verification of his identification by means of the connection po r means of the local computer or "host" (2) to the database of a server (14) in which said biometric reading has been previously registered, as well as to allow access to your account or bank accounts and payment of the amount entered through the action terminal (1).
2a.- Plataforma para pasarelas de pagos mediante el enlace a tiempo real de los usuarios con sus entidades bancarias, según reivindicación Ia, caracterizada porque el terminal de actuación (1 ) está constituido a partir de una carcasa de reducidas dimensiones, incorporando una pantalla táctil color (5), y un teclado numérico (6) así como una serie de pulsadores extra de funciones específicas tales como el borrado, anulación y similares.2 .- Platform for payment gateways by linking to real time users with their banks, according to claim I to, wherein the actuation terminal (1) is formed from a housing of small dimensions, incorporating a color touch screen (5), and a numeric keypad (6) as well as a series of extra buttons for specific functions such as deletion, cancellation and the like.
3a - Plataforma para pasarelas de pagos mediante el enlace a tiempo real de los usuarios con sus entidades bancarias, según reivindicación I a, caracterizada porque el terminal de actuación (1 ) incorpora una impresora térmica con función de punzado matricial para ¡mpresión en Brαille, complementándose dicho dispositivo con al menos un altavoz (7) asociado al citado microprocesador (3) a través del que se emiten de forma sonora las funciones que se están realizando mediante el dispositivo.3 - Platform for payment gateways by linking to real time users with their banks, according to claim I, wherein the actuation terminal (1) includes a thermal printer capable of matrix punctured to ¡Mpression in Brαille, said device being complemented with at least one loudspeaker (7) associated to said microprocessor (3) through which the functions being performed by the device are emitted in a sound way.
4a.- Plataforma para pasarelas de pagos mediante el enlace a tiempo real de los usuarios con sus entidades bancarias, según reivindicación I a, caracterizada porque el terminal de actuación (1 ) incorpora una fuente de alimentación portátil (9) complementaria de un cargador de batería (9') establecido en el equipo o "host" local (2) cargador asimismo asociado a una fuente de alimentación (1 1 ) conectable a Ia red eléctrica.4 .- Platform for payment gateways by linking to real time users with their banks, according to claim I, wherein the actuation terminal (1) includes a complementary portable power supply (9) of a charger of battery (9 ') established in the local equipment or "host" (2) charger also associated with a power supply (1 1) connectable to the mains.
5a.- Plataforma para pasarelas de pagos mediante el enlace a tiempo real de los usuarios con sus entidades bancarias, según reivindicación I a, caracterizada porque el equipo o "host" local (2) incorpora un microcontrolador (12) asociado a un módulo de comunicaciones por radiofrecuencias (10') encargado de recibir el paquete de datos enviado a través del módulo de comunicaciones (10) del terminal de actuación, estando programado para establecer Ia comunicación mediante un módem telefónico (13) con el servidor (14) a través de Ia red5 .- Platform for payment gateways by linking to real time users with their banks, according to claim I, wherein the computer or local "host" (2) incorporates a microcontroller (12) associated with a module of radio frequency communications (10 ') responsible for receiving the data packet sent through the communications module (10) of the actuation terminal, being programmed to establish communication via a telephone modem (13) with the server (14) to through the network
(15). (fifteen).
PCT/ES2007/000081 2006-08-28 2007-02-14 Platform for payment gateways, whereby users are linked in real time to banking institutions WO2008025863A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ES200602260A ES2302443B1 (en) 2006-08-28 2006-08-28 PLATFORM TO PASS THE PAYMENT THROUGH THE REAL-TIME LINK OF USERS WITH THEIR BANKING ENTITIES.
ESP200602260 2006-08-28

Publications (1)

Publication Number Publication Date
WO2008025863A1 true WO2008025863A1 (en) 2008-03-06

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PCT/ES2007/000081 WO2008025863A1 (en) 2006-08-28 2007-02-14 Platform for payment gateways, whereby users are linked in real time to banking institutions

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CN (1) CN101136093A (en)
ES (1) ES2302443B1 (en)
HK (1) HK1100056A2 (en)
WO (1) WO2008025863A1 (en)

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CN104361493B (en) * 2014-11-07 2018-12-11 深兰科技（上海）有限公司 A kind of electric paying method based on biological characteristic
CN107203302B (en) * 2016-03-17 2021-01-01 创新先进技术有限公司 Page display method and device
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ES2302443B1 (en) 2009-05-08
ES2302443A1 (en) 2008-07-01
HK1100056A2 (en) 2007-08-31
CN101136093A (en) 2008-03-05

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