Method for processing at least one piece of payment means data, corresponding payment terminal and computer program

Patent metadata

Field	Value
Publication number	US-11010805-B2
Application number	US-201716317683-A
Country	US
Kind code	B2
Filing date	Jul 12, 2017
Priority date	Jul 12, 2016
Publication date	May 18, 2021
Grant date	May 18, 2021

Abstract

A method for processing at least one piece of payment method data, implemented within a payment terminal having a secured processor and a secured processing memory. Such a method includes: obtaining at least one piece of data representing a payment method used to carry out a transaction, called a piece of payment method data; anonymizing the piece of payment method data, delivering a piece of current anonymous identification data; and transmitting the piece of current anonymous identification data to an application for processing loyalty data.

First claim

The invention claimed is:

1. A method for processing, comprising:
processing locally within a payment terminal comprising a general-purpose processor, a secured processor and a secured processing memory, the processing comprising:
obtaining, by the secured processor, at least one piece of data representing a bank card or a smartphone wallet called a payment means used, by a user, to carry out a transaction, the at least one piece of data being called a piece of payment means data;
anonymizing, by the secured processor, said piece of payment means data, delivering a piece of current anonymous identification data;
transmitting said piece of current anonymous identification data from the secured processor to an application for processing loyalty data of the payment terminal, said application for processing loyalty data being executed by the general-purpose processor of the payment terminal;
the general-purpose processor of the payment terminal transmitting, to the secured processor, the piece of current anonymous identification data and at least one piece of data representing loyalty for said user associated with the piece of current anonymous identification data;
creating, by the secured processor, a container comprising a container identifier and data derived from the piece of current anonymous identification data and from said at least one piece of data representing loyalty; and
transmitting, by the payment terminal via a wireless communication channel of the payment terminal, said container to a smartphone of the user.

2. The method for processing according to claim 1 , wherein transmitting said piece of anonymous identification data to the application for processing loyalty data is accompanied by transmission of a piece of data representing a transaction amount.

3. The method for processing according to claim 1 , wherein anonymizing said piece of payment means data comprises:
application, by the secured processor, of a hash processing operation; and
application, by the secured processor, of a cryptographic processing operation.

4. The method for processing according to claim 1 , further comprising processing the piece of current loyalty data by the application for processing loyalty data, said processing comprising:
searching, within a data structure, for a piece of reference anonymous identification data corresponding to the piece of current anonymous identification data; and
when said searching delivers a positive result, updating the piece of loyalty data associated with the piece of current anonymous identification data; and
when the searching delivers a negative result, creation, within the data structure, of the piece of loyalty data associated with the piece of current anonymous identification data.

5. The method for processing according to claim 1 , further comprising:
reception, from the communications terminal, of a piece of data for identifying said communications terminal; and
updating a recording of a loyalty data structure associated with the piece of current anonymous identification data, comprising association of the piece of data for identifying said communications terminal with the piece of current anonymous identification data.

6. The method for processing according to claim 1 , further comprising, subsequently to the transmission of the piece of current anonymous identification data, printing out a payment receipt comprising the at least one piece of data representing loyalty.

7. The method for processing according to claim 1 , wherein the piece of anonymous identification data is unique to the payment terminal.

8. The method for processing according to claim 1 , wherein the secured processor anonymizes the piece of payment means data using a public key of the payment terminal.

9. The payment terminal according to claim 1 , wherein the secured processor anonymizes the piece of payment means data using a public key of the payment terminal.

10. A payment terminal comprising:
a general purpose processor;
a general purpose processor memory storing an application for processing loyalty data of the payment terminal, which is executable by the general processor;
a secured processor;
a secured processing memory,
wherein the secured processor is configured to locally:
obtain at least one piece of data representing a bank card or a smartphone wallet called a payment means used, by a user, to make a transaction, the at least one piece of data being called a piece of payment means data;
anonymize said piece of payment means data, delivering a piece of current anonymous identification data; and
transmit said current anonymous identification data from the secured processor to the application for processing loyalty data that is executable by the general processor of the payment terminal;

wherein the general processor is configured by the application for processing loyalty data to transmit, to the secured processor, the piece of current anonymous identification data and at least one piece of data representing loyalty for said user associated with the piece of current anonymous identification data; and
wherein the secured processor is configured to:
create, by the secured processor, a container comprising a container identifier and data derived from the piece of current anonymous identification data and from said at least one piece of data representing loyalty; and
transmit, via a wireless communication channel of the payment terminal, said container to a smartphone of the user.

11. The payment terminal according to claim 10 , wherein the piece of anonymous identification data is unique to the payment terminal.

12. At least one non-transitory computer-readable medium comprising program code instructions for executing a method, when the instructions are executed on a secured processor and a general purpose processor of a payment terminal, wherein the method comprises:
locally processing transactional data by the payment terminal with the general-purpose processor and the secured processor of the payment terminal by:
obtaining, by the secured processor, at least one piece of data representing a bank card or a smartphone wallet called a payment means used, by a user, to carry out a transaction, the at least one piece of data being called a piece of payment means data;
anonymizing, by the secured processor, said piece of payment means data, delivering a piece of current anonymous identification data;
transmitting said piece of current anonymous identification data from the secured processor to an application for processing loyalty data of the payment terminal, said application for processing loyalty data being executed by the general-purpose processor of the payment terminal;
the general-purpose processor of the payment terminal transmitting, to the secured processor, the piece of current anonymous identification data and at least one piece of data representing loyalty for said user associated with the piece of current anonymous identification data;
creating, by the secured processor, a container comprising a container identifier and data derived from the piece of current anonymous identification data and from said at least one piece of data representing loyalty; and
transmitting, by the payment terminal via a wireless communication channel of the payment terminal, said container to a smartphone of the user.

13. The at least one non-transitory computer-readable medium according to claim 12 , wherein the piece of anonymous identification data is unique to the payment terminal.

14. The at least one non-transitory computer-readable medium according to claim 12 , wherein the secured processor anonym

Assignees

• Ingenico Group

Inventors

• Quentin Pierre

Classifications

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q20/383

  Anonymous user system · CPC title

• G06Q30/0226

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title

• G06F21/6254

  by anonymising data, e.g. decorrelating personal data from the owner's identification · CPC title