CN111465956A - Method for executing payment transaction - Google Patents
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- CN111465956A CN111465956A CN201880026683.4A CN201880026683A CN111465956A CN 111465956 A CN111465956 A CN 111465956A CN 201880026683 A CN201880026683 A CN 201880026683A CN 111465956 A CN111465956 A CN 111465956A
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- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
Abstract
The invention provides a method of performing a payment transaction, a payment scheme based on a wireless device, and usable for performing a payment operation using a buyer's mobile electronic device located in a seller's store, the method of performing the payment operation including generating and communicating payment information via a data package of the buyer's mobile electronic device, the information provided by the data package enabling the buyer to transfer money to the seller via a payment system different from the seller; in addition, the data packet also contains information which can enable the buyer to be identified in the loyalty program of the seller; the data packet is generated in the form of a QR code and displayed on the screen of the buyer's mobile device for the seller's payment terminal to read and complete payment. The present invention may speed up and simplify the payment process for buyers when integrating loyalty programs.
Description
Technical Field
The present invention relates to the field of electronic commerce, and more particularly, to a method of performing payment transactions.
Background
The prior art discloses a method of conducting payment transactions using a payment system (e-wallet) owned by a seller, according to which an account of a buyer is used both to pay for purchased products and to participate in a loyalty programme of the seller. These solutions have been used by many companies (e.g., starbucks) and operate according to the following: the customer deposits money into his account with the company, which he can then use to purchase the company's goods and services, and the sales company can use this account for loyalty programs. However, if the buyer's funds are transferred to the seller by another payment system (a different payment system than the seller), the buyer will be identified as another operation in the loyalty program.
Closest to the patented invention is a method of performing payment transactions, comprising forming a QR code containing information that enables a buyer to transfer money via a payment system (a payment system different from the seller), enabling the buyer to pay the seller, and outputting the specified QR code onto the screen of the buyer's mobile electronic device for recognition and payment completion by the seller's payment terminal (see patent GB2512944, G06Q20/32 class, published 2014, 10 months and 15 days). However, the well-known solutions do not allow buyers to combine payments simultaneously with offers in other (independent) payment systems and seller loyalty programs. At this time, the buyer identifier is different in loyalty programs of different sellers. Currently, this problem is solved in such a way: the buyer sends the identifier in his loyalty program to the seller when the cash register (POS terminal) checks out, presents the discount card of the seller and then identifies himself as a customer of the payment system using the QR code described above, or presents a bank card (e.g., VISA card, mastercard, world card, etc.).
Under the prior art, the device can also be used to create a graphical code that can generate a QR code containing information that makes it possible to identify a buyer in a seller's loyalty programme (see patent RU139520, class G06F 17/40, published 4/20 2014). A major drawback of the known device is that it is not possible to use it for payment transactions.
The technical challenge is to eliminate these drawbacks and create a payment scheme that allows you to combine benefits in payment and loyalty programs in one action (step) to deliver information to the seller instead of splitting into two steps, as described above. Technical results include expediting and simplifying the buyer's payment process in view of loyalty programs.
Disclosure of Invention
To solve the above technical problem, the object of the present invention is to propose a method for performing a payment transaction that eliminates the disadvantages of devices that cannot be used for payment transactions and allows to combine the benefits of payment and loyalty programs in one action to transfer information to the seller instead of dividing it into two steps, speeding up and simplifying the payment procedure of the buyer.
The technical scheme adopted by the invention for solving the problems is as follows: a method of performing a payment transaction comprising using a mobile electronic device of a buyer to generate and transmit to a seller a data package for completing a payment, the data package providing information enabling the buyer to transfer to the seller via a payment system different from the seller, and the data package including information enabling the buyer to be identified in the loyalty program of the seller.
Further, the data packet is formed in the form of a graphic code.
Further, a smartphone or tablet acts as the buyer's mobile electronic device.
Further, the data packet is transmitted to a payment terminal of the seller through Near Field Communication (NFC), and the buyer needs to use a mobile electronic device equipped with an NFC chip.
Further, in order to obtain an authorized payment of the buyer and complete the transfer, it is necessary to input a PIN code or perform biometric authentication on the buyer.
Further, the information providing access to the funds of the buyer contains encrypted data of the buyer's bank card and/or electronic wallet.
Further, the information allowing the buyer to transfer money to the seller includes an identifier of the buyer in the integrated payment and loyalty program system, and the payment terminal of the seller is allowed to receive data for debiting funds of the buyer from the server of the integrated system.
Further, providing information identifying the buyer in the loyalty program of the seller, including an identifier of the buyer in the integrated payment and loyalty program system, allows the payment terminal of the seller to obtain data from the integrated system for identifying the buyer in the loyalty program of the seller.
Further, the package also contains information that enables a buyer to be identified in all registered loyalty programs and to assign an identifier to each corresponding seller in the integrated payment and loyalty program system. And the data packet contains information establishing a correspondence between the seller identifier and the buyer identifier in the seller loyalty program.
Further, the buyer may identify the seller prior to forming the data package using the mobile electronic device, and the data package formed thereafter contains information that allows the buyer to be identified only in the loyalty program of the identified seller.
Further, the buyer may select the identification of the seller from a list provided by his mobile electronic device.
Further, the seller may be identified by information of the buyer's actual location provided by the buyer's mobile electronic device.
A method of performing a payment transaction, the method comprising generating a QR code containing information which enables a buyer to transfer money via a payment system (different from the seller), enabling the buyer to pay the seller, and outputting a designated QR code onto a screen of the buyer's mobile electronic device for recognition by the seller's payment terminal and for completing the payment, characterized in that the generated QR code simultaneously contains information which enables the buyer to be recognized in the seller's loyalty programme.
Further, a smartphone or tablet acts as the customer's mobile electronic device.
Further, in order to obtain payment authorization of the buyer and complete the transfer, a PIN code or biometric authentication of the buyer must be entered.
Further, the information providing access to the funds of the buyer includes encrypted data of the buyer's bank card and/or electronic wallet.
Further, the information allowing the buyer to transfer funds to the seller includes the buyer's identifier in the integrated payment and loyalty program network, and the seller's payment terminal is allowed to receive data from the server of the integrated system for debiting the buyer's funds.
Further, the inclusion of the buyer's identifier in the payment and loyalty program integrated network in the information that enables the buyer to be identified in the loyalty program of the seller allows the seller's payment terminal to receive data from the server of the integrated system for identifying the buyer.
Further, the information contained in the QR code may ensure that the buyer is identified in all loyalty programs registered by the buyer and that its own identifier is assigned to each respective seller in the payment and loyalty program integration system, and the QR code contains information establishing a correspondence between the seller identifier and the buyer identifier in the seller loyalty program.
Further, the buyer may authenticate the seller before generating the QR code using the mobile electronic device, and the later generated QR code contains information that allows the buyer to be identified only in the loyalty program of the authenticated seller.
Further, the authentication of the seller is selected by the buyer from a list provided by the own mobile electronic device.
Further, the buyer finds the seller and authenticates through the actual location provided by his mobile electronic device.
According to a first method of the present disclosure, the task is solved and the technical result is achieved according to a method of performing a payment operation, the method comprising generating and communicating payment information via a data package of a mobile electronic device of a buyer, the information provided enabling the buyer to transfer money to a seller via a payment system different from the seller, the data package containing information enabling the buyer to be identified in a loyalty program of the seller. The data package may be generated in the form of graphical code and the smartphone or tablet computer serves as the purchaser's mobile electronic device. The data packet may be transmitted to the seller at the payment terminal through Near Field Communication (NFC), and the mobile electronic device equipped with the NFC chip serves as the mobile electronic device of the customer. In order to obtain payment authorization from the buyer and complete the transfer, it may be necessary to enter a PIN code or perform biometric authentication on the buyer. The information providing access to the buyer's funds may comprise encrypted data of the buyer's bank card and/or electronic purse, or an identifier of the buyer in the integrated payment and loyalty program system, allowing the seller's payment terminal to retrieve data from the server of the integrated system for transfer of the buyer's funds. The information of the buyer that can be identified in the loyalty program of the seller may comprise an identifier of the buyer in the integrated payment and loyalty program system, allowing the payment terminal of the seller to obtain data for identifying the buyer in the loyalty program of the seller from a server of the integrated system. The data package may simultaneously contain information that can identify the buyer in all loyalty programs registered by the buyer and assign its own identifier to each respective seller in the payment and loyalty program integration system, and the data package contains information that establishes a correspondence between the seller identifier and the buyer identifier in the seller loyalty program. The buyer may identify the seller prior to forming the data package using the mobile electronic device, and the data package formed thereafter contains information that allows the buyer to be identified only in the loyalty program of the identified seller. The buyer may identify the seller by a list provided in his or her mobile electronic device, or the buyer's actual location information.
According to a second method of the present disclosure, the problem is solved and the technical result is achieved according to a method of performing a payment operation, which may generate a QR code containing information enabling a buyer to transfer money through a payment system different from a seller, and derive the QR code on a screen of a mobile electronic device of the buyer, so that a payment terminal of the seller recognizes and completes payment of the buyer, and at the same time, the information contained in the QR code may identify the buyer in a loyalty program of the seller. As the mobile electronic device of the purchaser, a smartphone or a tablet computer is preferably used. In order to obtain payment authorization of the buyer and to complete the transfer, it is preferable to input a PIN code or perform biometric authentication on the buyer. The information providing access to the buyer's funds contains encrypted data of the buyer's bank card and/or electronic purse, or an identifier of the buyer contained in the integrated payment and loyalty program system, allowing the seller's payment terminal to retrieve data from the server of the integrated system for transfer of the buyer's funds. The information of the buyer that can be identified in the loyalty program of the seller may comprise an identifier of the buyer in the integrated payment and loyalty program system, allowing the payment terminal of the seller to obtain data for identifying the buyer in the loyalty program of the seller from a server of the integrated system. The information contained in the QR code may ensure that the buyer is identified in all loyalty programs registered by the buyer and that its own identifier is assigned to each respective seller in the payment and loyalty program integration system, and the QR code contains information establishing a correspondence between the seller identifier and the buyer identifier in the seller loyalty program. The buyer may authenticate the seller before generating the QR code using the mobile electronic device, and the later generated QR code contains information that allows the buyer to be identified only in the loyalty program of the authenticated seller. The buyer may authenticate the seller through a list provided in his mobile electronic device, or the buyer's actual location information.
Compared with the prior art, the invention has the following advantages:
1. the electronic card on the mobile phone and the electronic record of the electronic wallet can be used without using a physical bank card and a loyalty program card.
2. The use of generating and transmitting graphics codes is also advantageous over Apple Pay and Samsung Pay systems in that no additional hardware (additional chips) is required, as these hardware are only installed on a small number of expensive smartphone models. Furthermore, the customer now has to present the seller with the physical card of the seller's loyalty program, either on the smartphone screen or by verbally issuing the card number or telephone number, and then complete the payment via the bank card.
3. The system described herein may communicate payment information and information regarding the participation of a buyer in a loyalty program to a seller by the mere act of presenting a QR code. A key feature of the proposed method is that the transfer of payment information and information about the participation of the buyer in the loyalty program is clearly illustrated in fig. 5 by the solid arrows between the buyer's mobile device and the seller's payment terminal. No other information interaction is required between the buyer and seller to pay for the purchase, other than the option of confirming the buyer's payment by entering a PIN code on the payment terminal.
4. These advantages make it possible to significantly speed up and simplify the payment process for the buyer in view of loyalty programs. The transfer of payment information and information regarding the participation of the buyer in the loyalty program through one action between the buyer's mobile device and the seller's payment terminal is clearly shown in fig. 5 by the solid arrows.
5. In addition to requiring the entry of a PIN code at the payment terminal to complete the buyer's payment, no other information interaction is required between the buyer and seller for payment purchases.
6. These advantages make it possible to significantly speed up and simplify the payment process for the buyer in view of loyalty programs. These advantages can significantly speed and simplify the buyer's payment process when incorporating loyalty programs.
Drawings
FIG. 1 is a generic algorithm for implementing the method according to the present invention;
FIG. 2 is a method of the present invention implemented using graphical code and an integration system that communicates an identifier of a buyer to a seller only in the seller's loyalty program;
FIG. 3 is an embodiment of the method of the present invention using graphical code and an integration system for communicating an identifier of a buyer to a seller in all loyalty programs registered with the buyer;
FIG. 4 is an implementation of the present invention using a graphical code and preliminary identification of the seller;
fig. 5 is an overall scheme of the invention for data exchange according to the proposed method.
Detailed Description
The preferred embodiments of the present invention will be further described with reference to the accompanying drawings, wherein the drawings and the embodiments are only for explaining the present invention, and the technical solution of the utility model is not limited to the contents described in the drawings and the embodiments.
A method of performing a payment transaction comprising using a mobile electronic device of a buyer to generate and transmit to a seller a data package for completing a payment, the data package providing information enabling the buyer to transfer to the seller via a payment system different from the seller, and the data package including information enabling the buyer to be identified in the loyalty program of the seller.
Specifically, the data packet is formed in the form of a graphic code.
In particular, a smartphone or tablet computer serves as the buyer's mobile electronic device.
Specifically, the data packet is transmitted to a payment terminal of the seller through Near Field Communication (NFC), and the buyer needs to use a mobile electronic device equipped with an NFC chip.
Specifically, in order to obtain an authorized payment of the buyer and complete the transfer, it is necessary to input a PIN code or perform biometric authentication on the buyer.
In particular, the information providing access to the funds of the buyer contains encrypted data of the buyer's bank card and/or electronic wallet.
Specifically, the information allowing the buyer to transfer money to the seller includes an identifier of the buyer in the integrated payment and loyalty program system, and the payment terminal of the seller is allowed to receive data for debiting funds of the buyer from the server of the integrated system.
In particular, providing information identifying a buyer in a loyalty program for a seller, including an identifier of the buyer in an integrated payment and loyalty program system, allows a payment terminal of the seller to obtain data from the integrated system for identifying the buyer in the loyalty program for the seller.
In particular, the package contains information that enables a buyer to be identified in all registered loyalty programs and to assign an identifier to each corresponding seller in the integrated payment and loyalty program system. And the data packet contains information establishing a correspondence between the seller identifier and the buyer identifier in the seller loyalty program.
In particular, a buyer may identify a seller before forming a data package using a mobile electronic device, and the data package formed thereafter contains information that allows the buyer to be identified only in the loyalty program of the identified seller.
In particular, the purchaser may select the identification of the seller from a list provided by his mobile electronic device.
In particular, the seller may be identified by information of the buyer's actual location provided by the buyer's mobile electronic device.
A method of performing a payment transaction, the method comprising generating a QR code containing information which enables a buyer to transfer money via a payment system (different from the seller), enabling the buyer to pay the seller, and outputting a designated QR code onto a screen of the buyer's mobile electronic device for recognition by the seller's payment terminal and for completing the payment, characterized in that the generated QR code simultaneously contains information which enables the buyer to be recognized in the seller's loyalty programme.
In particular, a smartphone or tablet computer is used as the mobile electronic device of the customer.
Specifically, in order to obtain payment authorization of the buyer and complete the transfer, a PIN code or biometric authentication of the buyer must be entered.
In particular, the information providing access to the funds of the buyer includes encrypted data for the buyer's bank card and/or electronic wallet.
Specifically, the buyer's identifier in the integrated payment and loyalty program network is included in the information allowing the buyer to transfer funds to the seller, and the seller's payment terminal is allowed to receive data from the server of the integrated system for debiting the buyer's funds.
Specifically, the inclusion of the buyer's identifier in the payment and loyalty program integrated network in the information that enables the buyer to be identified in the loyalty program of the seller allows the seller's payment terminal to receive data from the server of the integrated system for identifying the buyer.
In particular, the information simultaneously contained by the QR code may ensure that the buyer is identified in all loyalty programs registered by the buyer and that its own identifier is assigned to each respective seller in the payment and loyalty program integration system, and the QR code contains information establishing a correspondence between the seller identifier and the buyer identifier in that seller loyalty program.
In particular, a buyer may authenticate a seller before generating a QR code using a mobile electronic device, and the later generated QR code contains information that allows the buyer to be identified only in the loyalty program of the authenticated seller.
Specifically, the authentication of the seller is selected by the buyer from a list provided by his mobile electronic device.
Specifically, the buyer finds and authenticates the seller through the actual location provided by his mobile electronic device.
Fig. 1 clearly demonstrates the algorithm that implements the proposed method, which is common to most of the proposed methods.
The proposed method can be implemented by near field communication, i.e. using NFC (near field communication) technology, while using a smartphone equipped with an NFC chip as the buyer's mobile electronic device. Currently, this technology has been used for contactless payments by VISA and mastercard payment systems when the bank card is equipped with an NFC chip. Apple Pay and Samsung Pay also use this contactless technology to equip their own brands of smart phones with NFC chips.
Using NFC technology, the customer downloads a mobile application to which a payment card can be bound, as well as any electronic wallets. Also in the same application, the buyer enters data for each merchant's discount cards, points and other loyalty program cards.
When a buyer makes a purchase at a seller's store, an application is launched that generates a data package that also contains information that enables the payment system to debit the buyer's funds and provides the possibility of identifying the buyer in the seller's loyalty program.
Next, the buyer brings the NFC chip equipped smartphone to the seller's NFC receiver equipped payment terminal, close to the distance to let the technology work (less than 10 cm), and the application generated data packet is transmitted to the seller's payment terminal device by Near Field Communication (NFC).
The seller's information system will then use all of the discounts due to the house and use the points in all of the corresponding loyalty programs and communicate with the payment system to obtain payment authorization in accordance with the purchase amount, adjusted after the loyalty program is applied. The payment amount is then deducted from the buyer's account and credited to the seller's account.
Fig. 2, 3, 4, 5 clearly demonstrate the implementation method using graphical codes and an integration system.
Fig. 3 demonstrates an implementation with minimal data transfer steps in transferring the buyer's identifier to the seller in all loyalty programs during the payment process. Furthermore, the implementation is described without limiting the consistency of the invention.
On the buyer's smartphone, they download a mobile application bound to a payment card (VISA, MasterCard), and any electronic wallet (WebMoney, PayPal). Also in the same application, the buyer enters data for each merchant's discount cards, points and other loyalty program cards. For merchants with loyalty programs, the integration system retains its unique identifier (serial number). Thus, a list of loyalty programs is included in each client application and a correspondence between the loyalty program's identifier (serial number) and the client identifier is established in the loyalty program.
The buyer makes a purchase at a seller's shop (physically located in the shop), starts an application which generates a data package in the form of a unique QR code for this transaction, together with an identifier of the transaction data, from a digital token containing encrypted data of a bank card or the buyer's electronic wallet. In addition, the QR code contains a complete list of all customer identifiers in the various loyalty programs that the customer registers. The QR code is displayed on the screen of the smart phone.
The seller reads this QR code using a payment terminal in the form of a smartphone, QR code scanner, or the like, which is part of the standard transaction equipment of a checkout counter (POS terminal). The seller's own information system may confirm the buyer's identifier in the seller's loyalty program because his own identifier (serial number) is recorded in the integrated system. The seller's information system will then use the discount due to all of the buyers and use the points in all of the corresponding loyalty programs. Thereafter, the payment terminal communicates with a payment system (bank card processing center or electronic wallet) through the internet, obtains payment authorization in accordance with the purchase amount, and makes adjustments after applying the loyalty program. The payment is then deducted from the buyer's account and credited to the seller's account. Additional steps may be required (but are not required) to obtain buyer-authorized payment. For example, the customer may enter a PIN code on a payment terminal or in an application on his smartphone.
According to one embodiment of the present invention shown in fig. 2, the generated QR code does not include the buyer identifier in the seller loyalty program, but only the customer identifier (fixed or variable) and the payment data in the payment integration network and loyalty program. Upon receiving the QR code, the seller's payment terminal communicates with the integrated system's server from which the customer identifier in the seller's loyalty program is obtained.
According to one embodiment of the present invention, the generated QR code does not contain buyer's payment information, but only contains a customer identifier (permanent or variable) in the integrated payment and loyalty program system. After receiving the QR code, the seller's payment terminal communicates with the server of the integrated system and receives from the server not only the customer's identifier in the seller's loyalty program, but also the payment data of the customer required to complete the payment.
According to one embodiment of the invention (see fig. 4), the customer selects the loyalty program he wants to apply for the purchase in the application before making the payment. Before making the payment, the customer autonomously selects in the application the loyalty program that is intended to be used in the purchase. Thus, the QR code does not provide the seller with a list of customer identifiers for the buyer in various loyalty programs, but only identifiers in loyalty programs selected by the buyer in the application. If the customer is not registered in the loyalty program of the seller, the mobile application may provide the customer with a suggestion to register in the corresponding loyalty program. Thus, after registration, the buyer will be able to make payment using the discounts and points in the loyalty program at the same time.
Alternatively, the buyer may register with his own mobile application and enter the seller's store (service provider). The seller's information system then recommends personalized offers and discounts to the buyer through the buyer-installed application.
In another implementation, after a buyer enters a seller's store (service provider) by registering with his/her mobile application, the buyer can communicate with other clients registered in the store through the application. Customer registration may be done by any known method-NFC, bluetooth, QR code, etc. The seller's information system then recommends personalized offers and discounts to the buyer through the buyer-installed application.
In another implementation, after the application is opened to open a certain store, the GPS system of the buyer's smartphone will perform positioning. The seller's information system then recommends personalized offers and discounts to the buyer through the buyer-installed application. The application then provides the customer with the nearby merchant and their loyalty program.
While the foregoing is directed to the preferred embodiment of the present invention, the scope of the present invention is not limited thereto, and it will be appreciated by those skilled in the art that changes and modifications may be made therein without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents, and that such changes and modifications are to be considered as within the scope of the invention.
Claims (22)
1. A method of performing a payment transaction, characterized by: including the use of a buyer's mobile electronic device to generate and transmit to a seller's data package to complete a payment, the data package providing information that enables the buyer to transfer to the seller via a payment system different from that of the seller, and the data package including information that enables the buyer to be identified in the loyalty program of the seller.
2. A method of performing a payment transaction as claimed in claim 1, wherein the data packet is formed in the form of a graphical code.
3. The method of performing a payment transaction of claim 1, wherein a smartphone or tablet acts as the buyer's mobile electronic device.
4. The method of performing a payment transaction of claim 1, wherein the data packet is sent to a payment terminal of the seller by Near Field Communication (NFC), and the buyer needs to use a mobile electronic device equipped with an NFC chip.
5. The method of performing a payment transaction as recited in claim 1, wherein a PIN code must be entered or the purchaser must be biometrically authenticated in order to obtain an authorized payment for the purchaser and complete the transfer.
6. A method for performing a payment transaction as claimed in claim 1, wherein the information providing access to funds of the buyer comprises encrypted data of the buyer's bank card and/or electronic purse.
7. The method for performing a payment transaction as recited in claim 1, wherein the information that allows the buyer to transfer funds to the seller includes an identifier of the buyer in the integrated payment and loyalty program system that allows the seller's payment terminal to receive data from a server in the integrated system for debiting the buyer's funds.
8. The method for performing a payment transaction of claim 1, wherein the information identifying the buyer in the loyalty program of the seller is provided, including an identifier of the buyer in the integrated system of payment and loyalty programs, allowing the payment terminal of the seller to obtain data from the integrated system for identifying the buyer in the loyalty program of the seller.
9. The method for performing a payment transaction as recited in claim 1, wherein the data packet includes information that enables a buyer to be identified in all registered loyalty programs and each corresponding seller is assigned an identifier in the integrated payment and loyalty program system. And the data packet contains information establishing a correspondence between the seller identifier and the buyer identifier in the seller loyalty program.
10. The method of performing a payment transaction as recited in claim 1, wherein the buyer can identify the seller before forming the data package using the mobile electronic device, and the data package formed thereafter contains information that allows the buyer to be identified only in the loyalty program of the identified seller.
11. A method of performing a payment transaction as recited in claim 10, wherein the buyer selects the identification of the seller from a list provided by his mobile electronic device.
12. A method of performing a payment transaction as recited in claim 10, wherein the seller is identified by information of the buyer's actual location provided by the buyer's mobile electronic device.
13. A method of performing a payment transaction, the method comprising generating a QR code containing information which enables a buyer to transfer money via a payment system (different from the seller), enabling the buyer to pay the seller, and outputting a designated QR code onto a screen of the buyer's mobile electronic device for recognition by the seller's payment terminal and for completing the payment, characterized in that the generated QR code simultaneously contains information which enables the buyer to be recognized in the seller's loyalty programme.
14. Method for performing payment operations according to claim 13, wherein a smartphone or tablet computer is used as the mobile electronic device of the customer.
15. The method of performing a payment transaction as recited in claim 13, wherein a PIN code or biometric authentication of the purchaser must be entered in order to obtain payment authorization of the purchaser and complete the transfer.
16. A method of performing a payment transaction as claimed in claim 13, wherein the information providing access to funds of the buyer comprises encrypted data of the buyer's bank card and/or electronic purse.
17. The method of performing a payment transaction of claim 13, wherein the information allowing the buyer to transfer funds to the seller includes an identifier of the buyer in the integrated payment and loyalty program network, allowing the seller's payment terminal to receive data from a server of the integrated system for debiting the buyer's funds.
18. The method of performing payment operations as recited in claim 13, wherein the information that identifies the buyer in the loyalty program of the seller includes an identifier of the buyer in the integrated payment and loyalty program network that allows the payment terminal of the seller to receive data from the server of the integrated system that identifies the buyer.
19. The method of performing a payment transaction of claim 13, wherein the QR code includes information that ensures that the buyer is identified in all loyalty programs registered with the buyer and that its identifier is assigned to each respective seller in the payment and loyalty program integration system, and wherein the QR code includes information that establishes a correspondence between the seller identifier and the buyer identifier in the seller loyalty program.
20. The method of performing payment operations as recited in claim 13, wherein the buyer can authenticate the seller before generating the QR code using the mobile electronic device, and wherein the later generated QR code contains information that allows the buyer to be identified only in the loyalty program of the authenticated seller.
21. A method of performing a payment transaction as recited in claim 20, wherein the authentication of the seller is selected by the buyer from a list provided by the buyer's own mobile electronic device.
22. A method of performing a payment transaction as recited in claim 20, wherein the buyer finds and authenticates the seller through the physical location provided by his mobile electronic device.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| RU2017114104A RU2656579C1 (en) | 2017-04-24 | 2017-04-24 | Method of payment operation (options) |
| RU2017114104 | 2017-04-24 | ||
| PCT/RU2018/050042 WO2018199812A1 (en) | 2017-04-24 | 2018-04-17 | Method for performing payment operation (embodiments) |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111465956A true CN111465956A (en) | 2020-07-28 |
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|---|---|---|---|
| CN201880026683.4A Pending CN111465956A (en) | 2017-04-24 | 2018-04-17 | Method for executing payment transaction |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN111465956A (en) |
| RU (1) | RU2656579C1 (en) |
| WO (1) | WO2018199812A1 (en) |
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|---|---|
| WO2018199812A1 (en) | 2018-11-01 |
| RU2656579C1 (en) | 2018-06-05 |
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