Vending machine transactions

Patent metadata

Field	Value
Publication number	US-10423949-B2
Application number	US-201615094370-A
Country	US
Kind code	B2
Filing date	Apr 8, 2016
Priority date	Apr 10, 2015
Publication date	Sep 24, 2019
Grant date	Sep 24, 2019

Abstract

A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorized. The vending platform then provides an authorization token for the vending machine transaction, allowing the vending machine to enable vending when the authorization token has been received.

First claim

What is claimed is:

1. A system that enables a mobile payment device to transact with a vending machine, the system comprising:
a vending machine wireless payment device interface;
a mobile payment device configured to (i) establish wireless contact with the vending machine wireless payment device interface, and (ii) upon initiation of a transaction with the vending machine, generate a payment token; and
a vending platform configured to
receive vending machine transaction details from one of the vending machine and the mobile payment device, said vending machine transaction details (i) being established between the vending machine wireless payment device interface and the mobile payment device, and (ii) including at least the payment token generated by the mobile payment device,
communicate with a payment infrastructure and obtain authorisation of the vending machine transaction from the payment infrastructure, and
generate an authorisation token for the vending machine transaction for the vending machine,
sign the authorisation token with a vending platform private key, and

wherein the vending machine wireless payment device interface is configured to receive the authorisation token from the vending platform and, in response to receiving the authorisation token, enable vending by the vending machine, by verifying the authorisation token with a vending platform key.

2. The system as claimed in claim 1 , wherein the vending machine wireless payment device interface is comprised in a vending machine dongle.

3. The system as claimed in claim 2 , wherein the vending machine dongle is connected to a vending machine through a multidrop bus of the vending machine.

4. The system as claimed in claim 1 , wherein vending machine transaction details are sent to the vending platform and the authorisation token is received from the vending platform through the mobile payment device.

5. The system as claimed in claim 1 , wherein wireless contact between the mobile payment device and the vending machine wireless payment device interface is conducted by a Bluetooth protocol.

6. The system as claimed in claim 1 , wherein the mobile payment device comprises a wallet application for interaction with the payment infrastructure and a vending application for interaction with the vending machine wireless payment device interface.

7. The system as claimed in claim 1 , wherein the vending machine transaction details comprise at least some of the following elements: a vending machine identifier; a mobile payment device identifier; a transaction reference; a timestamp; and a transaction amount, and wherein at least some of the vending machine transaction details are provided in a hashed value, wherein the hashed value is also included in the vending machine transaction details.

8. The system as claimed in claim 7 , wherein the mobile payment device comprises a wallet application for interaction with the payment infrastructure and a vending application for interaction with the vending machine wireless payment device interface, and wherein the wallet application supports Digital Secure Remote Payment (DSRP) and wherein the wallet application provides a DSRP token for inclusion in the vending machine transaction details.

9. A method at a mobile payment device for transacting with a vending machine, the method comprising:
establishing, by the mobile payment device, wireless contact with the vending machine;
initiating, by the mobile payment device, a transaction with the vending machine;
upon initiating said transaction, generating, by the mobile payment device, a payment token;
establishing, by the mobile payment device, vending machine transaction details with the vending machine, wherein said vending machine transaction details includes at least the payment token generated by the mobile payment device; and
sending, by the mobile payment device, the vending machine transaction details to a vending platform associated with a payment infrastructure for authorisation of the vending machine transaction,
wherein the vending platform generates an authorisation token for the vending machine transaction for the vending machine, signs the authorisation token with a vending platform private key, and sends the authorisation token to the vending machine, and
wherein a vending machine wireless payment device, of the vending machine, in response to receiving the authorisation token, enables vending, by the vending machine, by verifying the authorisation token.

10. The method as claimed in claim 9 , wherein wireless contact between the mobile payment device and the vending machine wireless payment device interface is conducted by a Bluetooth protocol.

11. The method as claimed in claim 9 , wherein the mobile payment device comprises a wallet application interacting with the payment infrastructure and a vending application interacting with the vending machine wireless payment device interface.

12. The method as claimed in claim 11 , wherein the wallet application supports Digital Secure Remote Payment (DSRP).

13. The method as claimed in claim 9 , wherein some or all of the vending machine transaction details are provided in a hashed value, wherein the hashed value is also included in the vending machine transaction details.

14. The method as claimed in claim 13 , wherein the mobile payment device comprises a wallet application which supports Digital Secure Remote Payment (DSRP) interacting with the payment infrastructure and a vending application interacting with the vending machine wireless payment device interface, and wherein the wallet application provides a DSRP token for inclusion in the vending machine transaction details.

15. A method at a vending machine for transacting with a mobile payment device, the method comprising:
establishing wireless contact with the mobile payment device;
establishing, by the vending machine, vending machine transaction details with the mobile payment device, wherein the vending machine transaction details include a payment token generated by the mobile payment device;
sending, by the vending machine, the vending machine transaction details to a vending platform associated with a payment infrastructure for authorisation of the vending machine transaction, wherein the vending platform generates an authorisation token for the vending machine transaction, signs the authorisation token with a vending platform private key, and sends the authorisation token to the vending machine;
receiving, by the vending machine, the authorisation token for the vending machine transaction, and
verifying, by a vending machine wireless payment device interface, of the vending machine, the authorisation token with a vending platform public key, and
in response to said verification, enabling, by the vending machine, vending.

16. The method as claimed in claim 15 , wherein wireless contact between the mobile payment device and the vending machine wireless payment device interface is conducted by a Bluetooth protocol.

17. The method as claimed in claim 15 , wherein the vending machine transaction details include at least one of the following elements: a vending machine identifier; a mobile payment device identifier; a transaction reference; a timestamp; and a transaction amount.

18. The method as claimed in claim 15 , wherein some or all of the vending machine transaction details are provided in a hashed value, wherein the hashed value is also included in the vending machine transaction details.

Assignees

• Mastercard International Inc

Inventors

• Lyons Garry
• Doyle Eamon
• Shanmugam Saravana Perumal
• Huang Donghao
• Li Jiaming
• Cummins Oran

Classifications

• G07F7/00

  Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus · CPC title

• G06Q20/322 Primary

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/18

  involving self-service terminals [SST], vending machines, kiosks or multimedia terminals · CPC title

• H04W4/80

  Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication · CPC title