DE102013103990A1 - System with payment device and mobile docking station - Google Patents

Abstract

The requirements for systems for handling electronic payment transactions are increasing. These should be mobile. The present invention proposes a system comprising: - a payment device (100) for carrying out a payment process; - A mobile docking station (10) for receiving the payment device (100), the docking station (10) comprising: - a printer device (50) for printing out a receipt and / or invoice; - a short-range communication device (12) for communication with the payment device (100); - A locking device for fixing the payment device (100) in / on the mobile docking station (10).

Description

The present invention relates to a system comprising a payment device and a mobile docking station.

Smart cards and credit cards are a common means to pay not only large but also small amounts. Accordingly, there is a great need to provide facilities by which appropriate payment transactions can be handled at any time and in any place. Wireless payment devices are known, for example, from restaurants. They usually include a keypad, a smart card reader and a magnetic card reader. Furthermore, they have a printer that makes it possible to print a corresponding receipt after successful completion of the payment process.

A usual payment process with a corresponding payment device proceeds as follows. The customer, for example, pulls his credit card through the magnetic card reading device of the payment device. The payment device communicates with a base station set up in the hospitality business, which in turn can establish a direct telephone connection to a billing server. The payment device exchanges information regarding the payment process via the base station and then receives a confirmation stating that the payment process can be completed. After that, the payment device prints out two receipts, one of the two receipts being signed and kept by the restaurant operator.

A disadvantage of these payment devices is that the communication with the base station is only possible over a limited distance, so that the payment device can only be used at a certain geographically limited area.

In this regard, payment devices are known which have the same features as the payment device described above, but additionally have a GSM module. By means of the GSM module, the payment device can communicate directly with the billing or payment server via the mobile radio network. A problem with this payment facility is that both the hardware used and the software used must be certified. In this respect, the introduction of new communication protocols and / or the updating of running on the payment device software proves to be extremely problematic. Also, the individual hardware components can not be easily replaced by newer and better components, as these often lack the necessary certification.

In addition to the solutions described pure card reading devices are known, which can be wired to connect with smartphones. The card readers are used in this constellation exclusively for reading the map information. Communication with the billing server is performed by software running on the smartphone. Again, it is extremely problematic to update this software to meet the latest standards.

Starting from this prior art, it is an object of the present invention to provide a system which addresses the problems mentioned. In particular, a system is to be provided with a payment device, in which a payment device can be easily upgraded and adapted to current requirements.

This object is achieved by a system according to the present claim 1.

• – eine Bezahleinrichtung zur Durchführung eines Bezahlvorgangs;
• – eine mobile Andockstation zur Aufnahme der Bezahleinrichtung, wobei die Andockstation umfasst: – eine Druckereinrichtung zum Ausdrucken einer Quittung und/oder Rechnung; – eine Nahkommunikationseinrichtung zur Kommunikation mit der Bezahleinrichtung; – eine Rasteinrichtung zum Fixieren der Bezahleinrichtung in/an der mobilen Andockstation.

In particular, the object is achieved by a system comprising:

• A payment device for carrying out a payment transaction;
• A mobile docking station for receiving the payment device, wherein the docking station comprises: a printer device for printing out a receipt and / or invoice; A near-communication device for communicating with the payment device; - A locking device for fixing the payment device in / at the mobile docking station.

The system is thus composed of at least two components, namely the payment device and a mobile docking station. The mobile docking station picks up the payment device and provides a printer device. A communicative connection between the payment device and the docking station is made by a Nahkommunikationseinrichtung, wherein the payment device is fixed via a locking device in / at the mobile docking station.

The Nahkommunikationseinrichtung can be configured as a wired communication interface. For example, it may be a USB port and / or a serial and / or a parallel port. The wired connection is much more robust than wireless communication and can provide higher bandwidth. Furthermore, it is possible over the wired connection to provide a power supply for the payment device.

The docking station may comprise a triggering device, in particular a button, for solving the fixing of the payment device and / or for its ejection. A corresponding device allows easy removal of the payment device from the mobile docking station.

The docking station can also be a remote communication device for wireless communication with a billing server, in particular via BlueTooth and / or WLAN and / or via a mobile network, for. B. by GSM. It is possible that the payment device has its own communication device for direct or indirect communication with the accounting server. In addition, the docking station may have a corresponding remote communication device that provides the communication link for the payment device. If the mobile docking station has a powerful remote communication device, the payment device may be able to dispense with a corresponding component, so that it may have a smaller dimension. Furthermore, the mobile docking station can be exchanged as desired, whereby a new certification of the docking station can be dispensed with, since the components used are not security-relevant. In this respect, it is possible to obstruct better and more up-to-date components in the docking station.

The payment device may comprise at least one payment device communication device for wireless communication, in particular via BlueTooth, and / or for wired communication, in particular via a USB interface. The wired communication is as already explained above particularly advantageous for the connection with the docking station.

The payment device may further comprise at least one magnetic card reading device for reading a magnetic card and / or at least one chip card reading device for reading a chip card. At least one keypad may be provided for entering a pin code and / or a monetary amount. Furthermore, the payment device may comprise at least one display device and / or at least one encryption device for the encrypted processing of a payment transaction. Preferably, the payment device comprises the components that are necessary for the settlement of a payment transaction. This is at least one reading device, at least one keypad and at least one encryption device. Optionally, a display device may additionally be provided. It is possible to generate within the payment device an encrypted data stream that can be received directly by the accounting server. Additional information or the decryption and encryption of the already encrypted data stream is therefore not necessary before it is received by the billing server. In this respect, the components connected to the payment device, in particular the mobile docking station, do not need their own certification and can be exchanged as required. The payment device can be certified and operated independently of the mobile docking station used.

The docking station can comprise at least one privacy screen, which is arranged and designed such that the keypad and / or the display device of the payment device fixed in the docking station are at least partially hidden. Preferably, the privacy screen is arranged so that in the fixed payment device, the keypad is on one side and the display on the other side of the screen. In this respect, a covert input of a PIN code on the keypad from a first side of the docking station forth, while the display and / or only from an opposite side is visible. Preferably, the privacy screen is arranged so that only the user of the keypad has a clear view of the keypad of the docking station. Third, the direct view of the keypad is denied due to the privacy.

The docking station may include an opening for insertion of the payment device along an insertion direction and an access opening for access to the keypad of the payment device, wherein the access opening extends substantially perpendicular to the insertion direction. It is conceivable to clip the payment device to the docking station. Preferably, however, it is at least partially encompassed by the docking station in the fixed state. This allows a secure fit of the payment device in the docking station.

The access opening can be designed in such a way that it can be inserted via this chip card into a chip card reading device of the payment device fixed in the docking station. In this respect, the chip card reading device is easily accessible even in the fixed state from the outside, so that the chip card can be read.

The docking station may comprise at least one side opening, which is arranged and designed such that a magnetic card can be guided laterally by the magnetic card reading device of the payment device fixed in the docking station. Preferably, a corresponding side opening provided symmetrically to the payment device at the docking station, so that the magnetic card can be easily drag in the fixed state of the payment device by the reading device provided for this purpose.

• – einen Abrechnungsserver, der an ein Kommunikationsnetzwerk angeschlossen ist;
• – ein Kommunikationsgerät zur Kommunikation mit dem Kommunikationsnetzwerk;
• – eine Bezahleinrichtung mit einem Tastenblock, einem Display, einer Bezahleinrichtung-Kommunikationseinrichtung und einer Verschlüsselungseinrichtung, die dazu ausgebildet ist, einen verschlüsselten Datenstrom zur Kommunikation mit dem Abrechnungsserver zu erzeugen, wobei die Bezahleinrichtung-Kommunikationseinrichtung eine BlueTooth-Schnittstelle zur Kommunikation mit dem Kommunikationsgerät umfasst, wobei das Kommunikationsgerät dazu ausgebildet ist, den verschlüsselten Datenstrom von der Bezahleinrichtung zu empfangen und an den Abrechnungsserver weiterzuleiten.

The stated object is further achieved by a system comprising:

• A billing server connected to a communication network;
• A communication device for communicating with the communication network;
• A payment device having a keypad, a display, a payment device communication device and an encryption device, which is designed to generate an encrypted data stream for communication with the accounting server, wherein the payment device communication device comprises a BlueTooth interface for communication with the communication device, wherein the communication device is adapted to receive the encrypted data stream from the payment device and forward it to the accounting server.

Also for this system, the same advantages that have already been described in connection with the previous system result. In particular, the payment device has all essential and security-relevant components for processing the payment transaction, so that the encrypted data stream only has to be decrypted at the accounting server. The communication device is used exclusively for forwarding the corresponding data stream and may encapsulate it in other data streams. An interpretation, decryption or modification of the data stream by the communication device is unnecessary.

Further advantageous embodiments will be apparent from the dependent claims.

The invention will be described by means of several embodiments, which are explained in more detail with reference to figures. Hereby show:

1 a side view of a mobile docking station with an inserted payment device;

2 a plan view of the mobile docking with payment from 1 ;

3 a longitudinal section through the mobile docking station with payment of the 1 ;

4 the cross-section according to 3 without payment facility;

5 a system for processing an electronic payment process comprising a payment device and a billing server, wherein the payment device communicates with the billing server via different intermediate devices; and

6 a schematic side view of the payment device.

In the following description, the same reference numerals are used for the same and like parts.

1 shows the side view of a mobile docking station 10 , which is adapted to a payment device 100 take. The payment device 100 has essentially the shape of a cuboid, being at the top as in 2 shown a keypad 110 for entering pin codes and a display 120 is arranged. The payment device 100 furthermore has an encryption device 107 ( 6 ) for encrypting a data stream, a credit card reader 108 and a smart card reader 109 , To read in credit cards is at the front of the payment device 100 a credit card slot 101 (eg 3 ) arranged. On the opposite side is a chip card slot 102 (eg 3 ), in which a chip card 1 can be introduced.

The payment device 100 can be in the mobile adapter or the mobile docking station 10 in a corresponding to the dimensions of the payment device 100 trained payment device admission opening 16 from an adapter front 17 introduce. The insertion takes place in an insertion direction E, wherein the introduced payment device 100 snaps into an end position, making it firm and secure in the mobile docking station 10 is held. The 1 . 2 and 3 show the mobile docking station 10 with latched payment device 100 ,

To solve this connection, points out the mobile docking station 10 at her side an eject button 11 on, which triggers a detent spring, so that the payment device 100 can be removed. To provide the latching mechanism, the payment means 100 a notch on her side 104 into which a pre-tensioned catch of the docking station 10 intervenes. The operation of an eject button 11 leads to a solution of this locking connection.

The mobile docking station 10 has a variety of electronic components that come from the payment device 100 can be controlled to process the payment process. In the described embodiment is this is a printer 50 to print a receipt and a GSM module 60 to establish communication with a billing server 200 (See, for example 5 ). The mobile docking station 10 is communicatively via a wired connection with the payment device 100 connected. For this purpose, the payment device 100 a USB socket 105 (see. 6 ) and the mobile docking station 10 a flexible USB connector 12 on, after inserting the payment device 100 can be plugged into this.

The mobile docking station 10 has a shape that allows it to be turned off so that the keypad 110 , the display 120 , the credit card slot 101 and the chip card slot 102 can be reached or viewed for use. Preferably, the docking station 10 formed such that the keypad 110 in the parked state is inclined relative to the parking area. Furthermore, the shape is designed so that the mobile docking station 10 Keeps well and allows easy and good operation. For the good operation, the mobile docking station 10 an access opening 19 on, centered essentially along the longitudinal axis of the mobile docking station 10 extends. This access opening 19 is open at the top, leaving the keypad 110 the payment device 100 can be reached from the top. Furthermore, the access opening runs 19 towards the back of the adapter 18 so that the chip card slot 102 over the access opening 19 is reachable. A user of the mobile docking station 10 it is therefore possible to use the chip card 1 from the back of the adapter 18 here in the chip card slot 102 the inserted and latched payment device 100 introduce. The access opening 19 closes at the front of the adapter 17 facing side with a privacy screen 14 from. This is arranged such that the keypad 110 from a person facing the adapter front 17 here on the docking station 10 looks, is not visible. The 3 shows that the privacy 14 towards the top towards the back of the adapter 18 to project so that a look at the keypad 110 only from the back of the adapter 18 is possible. side walls 13a . 13b prevent lateral inspection.

3 shows a schematic longitudinal section through the mobile docking station 10 as well as by the used payment device 100 , In this section are the credit card slot 101 at the front of the payment device 100 and the chip card slot 102 at the back of the payment device 100 clearly visible. Furthermore, the cross section shows that the privacy screen 14 so above the payment facility 100 arranged is that the display 120 on the front of the adapter 17 facing side and the keypad 110 at the rear of the adapter 18 facing side of the screen 14 is arranged. In this respect, the display can be 120 look at it easily while looking at the keypad 110 is limited in the manner already described.

4 shows the cross section 3 without the payment device 100 , The payment device reception opening 16 for receiving the payment device 100 extends as already explained from the front of the adapter 17 along the longitudinal axis of the mobile docking station 10 on the back of the adapter 18 to and opens into the access opening 19 , A stop at the end of the payment device receiving opening 16 defines an end position of the payment device 100 in the mobile docking station 10 , This end position is also the position in which the catch in the notch 104 locks.

6 shows a schematic side view of the payment device 100 , In one embodiment, the payment device 100 the USB socket 105 , a Bluetooth module 106 and an encryption device 107 on.

According to the invention in the equipment of the payment device 100 to dispense with a separate GSM module, as this from the mobile docking station 10 is provided, in turn, directly with the billing server 200 , as in 5 shown, can communicate. As far as described as a communication with the mobile docking station 10 via a USB connection, the Bluetooth module must be 106 the payment device 100 not used.

In a further embodiment, the Bluetooth module 106 used to connect additional services, such as a billing system.

In one embodiment, the Bluetooth module 106 be used to communicate with the mobile docking station instead of the USB connection 10 manufacture.

In a further embodiment may refer to the GSM module 60 in the mobile docking station 10 be waived. Communication with the billing server 200 can then via a smartphone 20 ' be manufactured, with which the payment device 100 wireless, z. B. via Bluetooth communicates.

In this embodiment, the mobile docking station is used 10 as a printer 50 , Holding device, privacy screen and optional power supply. In a further embodiment, the docking station 10 only serve as a holder and privacy.

According to the invention, the payment device 100 equipped so that they are without the use of the mobile docking station 10 with the billing server 200 , preferably encrypted, can communicate. For this, the payment facility 100 via the Bluetooth module 106 a connection to a smartphone 20 connect to the billing server over a cellular network 200 communicated. The 5 shows a corresponding constellation.

In a further embodiment, the payment device communicates 100 via a stationary PC 40 with the billing server 200 , The connection to the PC 40 can be wired, z. B. via USB, or wireless, z. B. via Bluetooth.

According to the invention, the payment device 100 Include all security-related components for the payment process and handle the security-related operations regardless of the connected devices or chosen communication path. As security relevant, the credit card reader 108 , the smart card reader 109 , the keypad 110 and the encryption device 107 to be viewed as. The security-relevant processes of a payment process can therefore be from the payment facility 100 handled and via an encrypted data stream to the billing server 200 be communicated. For the forwarding of the encrypted data stream, it is irrelevant whether this is the mobile docking station 10 , the computer 40 or the smartphone 20 . 20 ' be used. Furthermore, it is irrelevant how a communicative connection to the device providing the connection (smartphone 20 . 20 ' , PC 40 , mobile docking station 10 etc.).

In the described embodiments and embodiments, the payment means 100 one credit card reader each 108 and a smart card reader 109 on. However, it is conceivable, a payment device 100 only with a credit card reader 108 or only with a chip card reader 109 equip. Theoretically, it would even be possible to dispense with any card reading device and the relevant numbers (eg, credit card number and pin) directly above the keypad 110 enter.

In the described embodiments, connection to the billing server is made 200 one GSM module each 60 used. According to the invention, however, other standards (eg WiFi) can also be used for the communication.

LIST OF REFERENCE NUMBERS

1

smart card

10

Mobile docking station

11

eject button

12

USB plug

13a, 13b

Side wall

14

privacy

16

Paying means-receiving opening

17

Adapter front

18

Adapter back

19

access opening

20, 20 '

Smartphone

40

PC

50

printer

51

paper outlet

60

GSM module

70

battery

100

paying means

101

Credit card slot

102

Smart card slot

104

notch

105

USB port

106

Bluetooth module

107

encryptor

108

Magnetic card reader

109

Chip card reader

e

insertion direction

Claims (11)

System comprising: - a payment device ( 100 ) to carry out a payment transaction; - a mobile docking station ( 10 ) for receiving the payment device ( 100 ), whereby the docking station ( 10 ) comprises: a printer device ( 50 ) for printing a receipt and / or invoice; A local communication device ( 12 ) for communication with the payment device ( 100 ); - A locking device for fixing the payment device ( 100 ) in / at the mobile docking station ( 10 ). System according to claim 1, characterized in that the local communication device ( 12 ) a wired communication interface, in particular a USB port ( 12 ) and / or a serial and / or parallel port. System according to one of the preceding claims, characterized in that the docking station ( 10 ) comprises: a triggering device, in particular a button ( 11 ), to solve the fixation of the payment device ( 100 ) and / or for their ejection; and / or - a remote communication device ( 60 ) for wireless communication with a Billing server ( 200 ), in particular via BlueTooth and / or WLAN and / or via a mobile network, for. B. by GSM. System according to one of the preceding claims, characterized in that the payment device ( 100 ) comprises: - at least one payment device communication device ( 106 ) for wireless communication, in particular via BlueTooth, and / or wired communication, in particular via a USB interface; and / or - at least one chip card reading device ( 109 ) for reading a smart card; and / or - at least one magnetic card reading device ( 108 ) for reading a magnetic card; and / or - at least one keypad ( 110 for entering a pin code and / or a monetary amount; At least one display device ( 120 ); and / or - at least one encryption device ( 107 ) for the encrypted processing of a payment transaction. System according to one of the preceding claims, in particular according to claim 4, characterized in that the docking station ( 10 ) at least one privacy screen ( 14 ) arranged and configured such that the / a keypad ( 110 ) in the docking station ( 10 ) fixed payment device ( 10 ) is at least partially obscured. System according to one of the preceding claims, in particular according to claim 5, characterized in that the docking station ( 10 ) a, preferably substantially rectangular, opening ( 16 ) for inserting the payment device ( 100 ) along an insertion direction (E) and an access opening ( 19 ) for access to a keypad ( 110 ) of the payment device ( 100 ), wherein the access opening ( 19 ) extends substantially perpendicular to the insertion direction (E). System according to one of the preceding claims, in particular according to claim 6, characterized in that an access opening ( 19 ) is formed such that via the access opening ( 19 ) a chip card ( 1 ) into a chip card reading device ( 109 ) in the docking station ( 10 ) fixed payment device ( 100 ) is insertable. System according to one of the preceding claims, characterized in that the docking station ( 10 ) comprises at least one side opening, which is arranged and formed such that a magnetic card is laterally separated by a magnetic card reading device ( 108 ) in the docking station ( 10 ) fixed payment device ( 100 ) is feasible. System, in particular according to one of the preceding claims, comprising: - a billing server ( 200 ) connected to a communication network; A communication device for communicating with the communication network; - one payment device ( 100 ) with a keypad ( 110 ), a display ( 120 ), a payment device communication device ( 106 ) and an encryption device ( 107 ), which is adapted to an encrypted data stream for communication with the billing server ( 200 ), wherein the payment device communication device ( 106 ) comprises an interface for communication with the communication device, wherein the communication device is adapted to the encrypted data stream from the payment device ( 100 ) and to the billing server ( 200 ) forward. System according to Claim 9, characterized in that the payment means ( 106 ) a USB interface ( 105 ) for connecting a printer and / or a communication device. System according to claim 9 or 10, characterized in that the communication device is a mobile docking station ( 10 ) according to one of claims 1 to 8.

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