SG11201900250SA - Payment system - Google Patents

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property :::` , Organization 1111111111111111111111111111111111111111111111111111111111111111111111111110111111 International Bureau (10) International Publication Number 03 (43) International Publication Date .....•\"\" WO 2018/009977 Al 18 January 2018 (18.01.2018) W I P0 I P C T (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 40/02 (2012.01) G06Q 20/32 (2012.01) kind of national protection available): AE, AG, AL, AM, G06Q 20/20 (2012.01) G06K 19/06 (2006.01) AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, (21) International Application Number: CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, PCT/AU2017/050723 DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, (22) International Filing Date: KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, 13 July 2017 (13.07.2017) MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (25) Filing Language: English SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, (26) Publication Language: English TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (30) Priority Data: (84) Designated States (unless otherwise indicated, for every 2016902755 13 July 2016 (13.07.2016) AU kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, (71) Applicant: AFTERPAY PTY LTD [AU/AU]; Suite 303, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, 50 Holt Street, Surry Hills, New South Wales 2010 (AU). TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, (72) Inventors: MOLNAR, Nicholas; C/- Suite 303, 50 Holt EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, Street, Surry Hills, New South Wales 2010 (AU). WHITE- MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, MAN, David; C/- Suite 303, 50 Holt Street, Surry Hills, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, New South Wales 2010 (AU). KM, ML, MR, NE, SN, TD, TG). (74) Agent: FB RICE; Level 23, 44 Market St, Sydney, New Published: South Wales 2000 (AU). — with international search report (Art. 21(3)) = (54) Title: PAYMENT SYSTEM (57) : A computer-implemented method for facilitating payment of a total amount comprising multiple future instalments by a customer (3), the method comprising: receiving, at an instalment payment server (5), an indica- tion from a mobile device (7) associated with the customer (3) to set up the — = = —.. ...--, payment by the multiple future instalments; generating first authorisation data 100 200 indicative of an authorisation of the multiple future instalments; sending the first = ,nd an nd c,ion to authorisation data to a mobile device (7). The method may include displaying th. payn p, by Ow I ,,, re ,talm, on the mobile device (7) an optical machine readable representation of the first = 110 220 authorisation data; and scanning, by a merchant POS system (13) associated with a merchant (11), the optical machine readable representation of the first 91 230 — = t D pla, an b, t ,alrn.birx= authorisation data from the mobile device (7). The method also comprise: re- 310' ceiving, by the merchant POS system (13), purchasing data for a purchase of = = 130 290 ,- . r/ „,, data ond second aull = 320 ,,, or satiOn dal, one or more goods or services for the total amount; and sending the purchas- i ing data, merchant data and second authorisation data representing the scanned tend OurC a, ng , Me'h.'\".. e\" M optical machine readable representation to the instalment payment server (5). author , lie I o, = o The method further comprises: determining, by the instalment payment server 250 , * ''''°^` 330 (5), the customer (3) based on the second authorisation data; and determining validity of multiple future instalments based on the total amount and the autho- risation of the multiple future instalments of the determined customer. Based on - V 390 determining the validity of multiple future instalments, the method comprises: IN IN aes,11,e 40S ,,—, r.I.,H sending a confirmation to the merchant POS system (13) to cause the merchant C:r 01 0 Fi g 2 47:,' :;= e POS system (13) to generate an indication that the one or more goods or ser- ro. ,d vices (21) can be released to the customer (3); and initiating the multiple future instalments at respective points in time. C \ ,. li ei C