EP2984614A1 - Mobile payment system using subaccounts of account holder - Google Patents
Mobile payment system using subaccounts of account holderInfo
- Publication number
- EP2984614A1 EP2984614A1 EP14783175.4A EP14783175A EP2984614A1 EP 2984614 A1 EP2984614 A1 EP 2984614A1 EP 14783175 A EP14783175 A EP 14783175A EP 2984614 A1 EP2984614 A1 EP 2984614A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- transaction
- merchant
- consumer
- information
- payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
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Classifications
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
Definitions
- the present disclosure relates to a mobile device payment processing system.
- the TV screen, catalogue, an electronic billboard, poster or any type of electronic or print media can contain the ORMI (e.g. a barcode) or short code (e.g. code data) that can either be imaged (e.g. its picture taken in the case of the ORMI) or can be written down or memorized in the case of the short code (e.g. an alpha and/or numeric code that can be read by the consumer - e.g. "phoneoffer1x4").
- the short code can be communicated audibly to the consumer such as over the radio and thereby noted and subsequently used to initiate the transaction with the merchant rather than the mobile device scannable image (e.g. barcode).
- customer identification codes also referred to as customer code data
- customer code data such as unique account identifiers (e.g. account names/numbers), unique user names registered as an account name (or sub account name) in a transaction processing system, and/or personal contact information (e.g. address used to receive messages with by a consumer on their mobile device) such as email address, telephone number or any other unique system identifier (e.g. BlackBerry TM ID) used as a master key to associate the user (e.g. consumer) of the mobile device 12 to any system products, sites, services and applications associated with the consumer and their mobile device.
- customer code data such as unique account identifiers (e.g. account names/numbers), unique user names registered as an account name (or sub account name) in a transaction processing system, and/or personal contact information (e.g. address used to receive messages with by a consumer on their mobile device) such as email address, telephone number or any other unique system identifier (e.g. BlackBerry TM ID) used as a master key to associate
- a short code can be used as a Payment Account Identifier of the consumer, rather than a picture bar code.
- this is communicated to the merchant by the consumer (e.g. sent in an email, verbally communicated, handwritten into a form, etc. to initiate the payment transaction related to the product purchased or otherwise acquired by the consumer from the merchant.
- the short code is unique and serves to uniquely identify the Consumer's Payment Account(s) when the data contained in the code data is communicated to a Payment Platform via the merchant's transaction interface.
- the Consumer's Payment Account may reside on a Payment Platform hosted by a financial institution, a credit issuing company, an E-wallet service provider, a money transfer service provider, or the like.
- the information on the Payment Account Identifier/barcode and the purchase transaction information is sent by the merchant transaction interface to the Payment Platform or intermediate transaction service via the Internet or a dedicated connection.
- a non-transitory computer readable storage medium with an executable payment application stored thereon configured for confirming a transaction payment request associated with a merchant computer system over a communications network, the merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of: receiving consumer code data upon registration of a subaccount with a transaction interface separate from the merchant computer system associated with the merchant, the consumer code data representative of the subaccount of a main account also registered with the transaction interface, wherein a financial account is common to both the subaccount and the main account; receiving a payment confirmation request from the
- transaction interface over the communications network including identification information pertaining to the merchant and the product; sending authorization information to the transaction interface over the communications network via a network path that bypasses the computer system of the merchant; and receiving a confirmation of approval or denial of the payment confirmation request from the transaction interface based on the authorization information.
- a transaction system for coordinating processing of a transaction payment request associated with a transaction between a consumer and a merchant, the transaction associated with the merchant providing a product to the consumer, the system comprising: a computer processor coupled to a memory, wherein the computer processor is programmed to coordinate processing of the transaction payment request by: receiving the transaction payment request including consumer code data and identification information pertaining to the merchant and the product, the consumer code data representative of a subaccount registered with a transaction interface, the subaccount associated with a main account also registered with the transaction interface, such that a financial account is common to both the subaccount and the main account; accessing the subaccount or main account using the consumer code data to obtain payment information related to the transaction payment request including the financial account, mobile device contact information, and required authorization information; creating a payment confirmation request using said identification information; sending said payment confirmation request over the network to the mobile device using the contact information; obtaining authorization information from the mobile device;
- Figure 1 is a simplified, schematic representation of the Mobile Image Payment System in operation, according to an embodiment, which illustrates the exemplary steps involved when a Consumer wishes to make a purchase with his/her mobile device using the payment system;
- Figure 2 is a block diagram of components of a transaction processing system as a further embodiment of Figure 1 ;
- Figure 3 is a block diagram of an example transaction processing system configuration and an example transaction processing system configuration of the system of Figure 2;
- Figure 4 shows example encoded and unencoded information for the system of Figure 2;
- Figure 5 is an example operation of the system of Figure 2;
- Figure 6 is a block diagram of a computer device implementing the transaction application of Figure 2;
- Figure 7 is a block diagram of a computer device implementing the transaction service of Figure 2;
- Figure 8 is a block diagram of a computer device implementing the merchant interface of Figure 2;
- Figure 9 is a block diagram of a merchant interface of Figure 2.
- Figure 10 is a block diagram of a transaction application of Figure 2;
- Figure 11 is a block diagram of a transaction interface of Figure 2.
- Figure 12 is an alternative example operation of the system of Figure 1.
- Consumer Code data 3 - is a lookup or index identifier (ID) that is received by the merchant Point of Sale Terminal 17 (e.g. via a merchant application or interface 8) that can be subsequently provided to and used by a transaction service 20 to identify sensitive payment account information 61 of the consumer 18, as mapped in a lookup table 63.
- ID a lookup or index identifier
- the lookup identifier provided as the consumer code data 3 of "ABC 123" could be received (via the merchant terminal 17) and used by the transaction service 20 to lookup from the lookup table 63 the actual consumer credit card number (or other sensitive financial account number 61) as well as other account information associated with the consumer code data 3.
- the consumer code data 3 can be used to represent a sub account of a user account registered with the transaction service 20, as further discussed below. Once identified in relation to the consumer code data 3, this actual financial account number would then be provided to and used by financial institutions of the payment processing system 14 to effect transfer of funds from the consumer financial payment account 72 identified by the financial account number 61 retrieved from the lookup table 63 using the consumer code data 3 as a lookup identifier. It is recognized that the consumer code data 3 can be included in a barcode 200 associated with the consumer 18 (e.g. used to uniquely identify the consumer 18 from other consumers 18 registered - e.g.
- the consumer code data 3 can be defined as a short code (e.g. a sequence of characters including numeric characters and/or alpha characters) that is also known to the transaction service 20 as the consumer code data 3 used in identifying the actual payment account information 61 stored and accessible by the transaction interface 15. Therefore, after providing the consumer code data 3 as a series of numeric characters and/or alpha characters to the merchant application 8, the rest of the purchase transaction 5 process can be similar.
- One advantage in using the short code is that it works in situations where generating or otherwise scanning/processing barcodes 200 is not feasible by the merchant application 8 and/or the payment application 13.
- consumer code data 3 can include customer identification codes (also referred to as customer code data 3) such as unique account identifiers (e.g. account names/numbers), unique user names registered as an account name (or sub account name) in the transaction processing system 10 (e.g. with the transaction service 20), and/or personal contact information (e.g.
- customer identification codes also referred to as customer code data 3
- unique account identifiers e.g. account names/numbers
- unique user names registered as an account name (or sub account name) in the transaction processing system 10 e.g. with the transaction service 20
- personal contact information e.g.
- each mobile device 12 registered with the payment transaction system 10 e.g. with the transaction service 20
- can be assigned a unique system identifier e.g. consumer code data 3
- the mobile device 12 user e.g. consumer 18
- Product Code data 3 - can also be used as a replacement for the generated ORMI 200 as a product identifier (ID) that is received by the merchant Point of Sale Terminal 17 (e.g. via a merchant application or interface 8) to identify the product that the consumer 18 wishes to obtain from the merchant 16.
- ID product identifier
- the product code data 3 representing the product can be subsequently provided to and used by the transaction service 20 as a replacement/substitution to the ORMI 200.
- the product code data 3 can be included in the generated barcode 200 or can be provided to the merchant interface 8 (via the consumer 18) as an unencoded product code data 3 (i.e. unencoded textual information) instead of the barcode 200.
- the product code data 3 can be defined as a short code (e.g.
- the rest of the purchase transaction 5 process is similar instead of using the barcode 200.
- One advantage in using the short code is that it works in situations where generating or otherwise scanning/processing the barcode 200 is not feasible by the merchant application 8 and/or the payment application 113.
- the product code data 3 can be represented by a sound code that is defined as a collection of one or more audible tones used to represent product information.
- the payment application 113, merchant device 17, and/or transaction interface 15 are capable of transmitting, receiving, generating, processing or otherwise
- Payment Account Information 61 Sensitive information pertaining to the Payment Account 72, including but not limited to account holder's name, a picture of the account holder, name of financial institution, account login information, account numbers, account balances, passwords and PIN numbers for accessing the account. It is recognized that the payment account information 61 is used by a payment processing system 14 to access and effect the actual transfer of funds from the identified account 72 of the consumer 18 from the payment account information 61. It is also recognized that, as further described below, all or portions of the payment account information 61 can be withheld from the point of sale terminal 17 of the merchant 16 and is instead communicated directly between the transaction Service Platform 20 and the consumer 18 and communicated directly between the transaction Service Platform 20 and the payment processing system 14.
- Subaccount information 61a can be defined as sensitive information also related to the same Payment Financial Account 72 of the main account information 61 that is authorized as accessible by the subaccount holder (e.g. a relative, friend, or other personal relationship of the main account holder defined by the main information account 61).
- the subaccount information 61a can include information such as but not limited to subaccount holder's name, a picture of the subaccount holder, name of financial institution of the account holder, subaccount login information (e.g. PIN), subaccount numbers assigned as a subaccount of the main account, subaccount balances or preset spending limit(s) (e.g.
- the payment subaccount information 61a is used by the payment processing system 14 to access and effect the actual transfer of funds from the identified financial account 72 of the account holder represented in the main account information 61. It is also recognized that, as further described below, all or portions of the payment subaccount information 61a can be withheld from the point of sale terminal 7 of the merchant 16 and is instead communicated directly between the transaction Service Platform 20 and the consumer 18 and communicated directly between the transaction Service Platform 20 and the payment processing system 14.
- the subaccount holder does not have an independent financial account number recognised or otherwise utilized by the transaction service 20. Rather, the subaccount holder advantageously uses or otherwise has preapproved access/use of the financial account 72 of the main account holder, as associated with the subaccount of the main account.
- purchases by the account holder (defined in the main account information 61) and purchases by the subaccount holder (defined in the subaccount information 61a) can both use the same financial account 72 to effect payment for their individual and separate purchase transactions (e.g.
- the subaccount information 61a can define one or more preset spending limits for the subaccount holder.
- the preset spending limit of the subaccount holder could be a portion or set amount of the overall total account balance of the main account holder defined in the account information 61.
- the preset spending limit (or threshold) can be defined as a per purchase transaction limit/threshold and/or as a per subaccount limit/threshold (e.g. for a specified time period as per day, per week, per month, per annum, etc.).
- the purchase transaction amount requested by the subaccount holder should satisfy both the limit/threshold associated with the subaccount as well as the account limit/balance for funds available from the financial account 72 itself (e.g. if the financial account 72 only has a remaining balance/limit of $10 then a subaccount limit/threshold of $20 is moot for a requested purchase of a $15 item by the subaccount holder, as the $15 amount is over the account 72 limit of $10).
- the preset spending limit (also referred to as preset spending threshold) of the subaccount can be dependent on the account limit/balance for funds available from the financial account 72 itself.
- a Mobile Image Payment System 10 for mobile commerce enables a Consumer 18 (e.g. subaccount holder, main account holder, etc.) to use their mobile device 12 to make payments for online, Electronic Media, Print Media, POS Transactions 5 and the like.
- the Consumer 18 can scan an encoded, mobile device scannable image 200 (e.g. optical machine readable image OMRI) that is displayed by a merchant 16, can provide the consumer code data 3, or provide the product code data 3, to initiate or otherwise complete the purchase transaction 5 for a good or service desired by the consumer 18 from the merchant 16.
- a transaction service 20 via a transaction interface 15 can complete the transaction 5 by processing information between a Mobile Payment Client
- a Mobile Payment Interface 15 residing on a Transaction Server 6 (of the transaction service 20) and optionally a Mobile Payment Application or interface 8 residing on a merchant's device or POS terminal 17.
- the present system 10 can be configured to provide the Consumer's mobile device 12 to communicate with the Payment Platform 14 and the Payment Platform 14 to communicate with the Merchant Transaction Server 17 in order to process and complete the mobile transaction 5.
- the merchant OMRI 200 or the product code data 3 can be displayed on any product or advertising medium (e.g., television screens, websites, print media, vending machines, points of sale terminals, etc.), opening up new sales and marketing opportunities for merchants, as encountered by the consumer 18 in the consumer environment 4 further described below.
- the consumer 18 can provide the merchant 16 with their system 10 identification (e.g. their consumer code data 3), e.g. known or otherwise recognized by the transaction service 20 as associated with the subaccount information 61a of the subaccount holder and/or as associated with the main account information 61 of the main account holder).
- One aspect of the disclosed system and method is that the Consumer 18 may scan the OMRI 200 to initiate the transaction 5, as opposed to the prior art mobile commerce transaction approach where usually it is the merchant that scans an image to perform a transaction.
- the prior art approach necessitates the merchant having a relatively sophisticated device that is capable of scanning an image. Since "passive" media such as billboard, parking tickets, TV commercials, etc., are not capable of scanning, this prior art approach effectively eliminates most "passive" medium or devices from being used as a desirable part of a mobile transaction process.
- the consumer 18 can provide their consumer code data 3 to the merchant 16, and/or transaction service 20, upon request, in order for the appropriate financial account 72 to be accessed and used by the transaction service 20 in providing payment to the merchant 16 in exchange for the product (e.g. good or service ) obtained by the consumer 18 in exchange for payment.
- the product e.g. good or service
- the present system enables almost any object that can present the OMRI 200 or the product code data 3 to be used to initiate the mobile transaction 5.
- the transaction service 20 can provide consumers 18 with a consistent transaction 5 process regardless of where the transaction 5 originates (i.e., on the Internet, at a POS, on a television screen, on print media, etc.).
- the mobile transaction 5 can be initiated by the merchant 16 entering product information into their merchant computer system 17 and then the consumer 18 providing their consumer code data 3 for use by the transaction service 20 in effecting payment for the product as further described below.
- the transaction service 20 After registering with the transaction service 20, e.g.
- the Consumer 18 can do the following to process the transaction 5: (1) Launch the application 113 on his/her mobile device 2; (2) Capture the OMRI 200 displayed by the merchant or otherwise the product code data 3 displayed or otherwise audibly communicated (e.g. in the consumer environment 4) or otherwise receive a request (verbally and/or electronically) from the merchant 16 for the consumer code data 3 of the consumer 18; (3) Select the transaction 5 particulars (e.g., for a purchase, the Consumer 18 can actively select a preferred payment account 70,72 such as credit, debit, E- wallet, etc.
- a preferred payment account 70,72 such as credit, debit, E- wallet, etc.
- the Consumer 18 can select a transaction type such as withdrawal, deposit, account balance, etc.; and for a restaurant transaction 5 the Consumer 18 can select the tip amount); (4) Confirm the transaction 5, for example in response to a confirmation message communicated to the mobile device 12 by the transaction interface 15 of the transaction service 20; and (5) Optionally, confirm that order fulfillment information can be automatically provided to the merchant 16 by the transaction service 20.
- the backend fulfillment process can be handled by the transaction service 20 (e.g., delivery/pickup instructions, payment processing, etc.), as authorized by the provided consumer code data 3 and associated
- login/authentication information e.g. PIN
- PIN login/authentication information
- the consumer 18 preferably via the mobile device 12 in network communications between the transaction service 20 (via the transaction interface 15) and the mobile device 12 (via payment application 113) in a network communication path on the network 11 that bypasses any of the merchant computer systems 17.
- the merchant 16 can register with the transaction service 20 by providing merchant data 208 to a registration module 60 and create a merchant profile 117 stored in the storage 1 0.
- the merchant profile 117 can contain the specifics (i.e. merchant parameters) of the products they are offering, as well as configured (e.g. the merchant can update their own profile details 117) to include profile specifics such as but not limited to whether or not they deliver, deliver charges, whether or not a tip is required etc.
- the merchant profile 1 7 parameters are used to define the transaction 5 associated with OMRI 200 or the product code data 3 that are used by or otherwise requested from the transaction service 20.
- the merchant parameters of the merchant profile 117 can include financial account information of the merchant 16 (e.g. bank account numbers, PIN numbers, etc.).
- the consumer can install the transaction application 113 on his/her computer device 12 and register with the transaction service 20 by providing consumer data 2 1 to the registration module 60 and create a consumer profile 117 stored in the storage 110.
- the consumer profile 117 can contain the specifics (i.e. consumer parameters) of the consumer 18 (e.g. consumer address, financial account information, etc., as well as configured (e.g. the consumer can update their own profile details 117) to include profile specifics such as but not limited to what transactions 5 are authorized (or not authorized - i.e. prohibited) by the consumer 18 (e.g. limits/thresholds for the subaccount), maximum transaction amounts for one or more of the transaction types (e.g.
- authorized transaction types for the subaccount such as but not limited to department store, restaurant, grocery store, school related purchases, and/or unauthorized transaction types such as but not limited to cash advances, alcohol purchase at a bar, etc.), etc.
- authorized or unauthorized transaction types can be advantageously used by the main account holder to coordinate or otherwise manage usage of the payment account 72 by the subaccount holder.
- the consumer profile 117 parameters can be used to influence the transaction 5 associated with the OMRI 200 or the product code data 3 that are used by or otherwise requested from the transaction service 20, from the consumer environment 4, and/or directly from the merchant 16.
- the product code data 3, the ORMI 200, consumer code data 3 or a combination thereof can be used to initiate the
- Transaction Service 20 Applications in E-commerce
- a system (sometimes referred to as a Mobile Image Processing System or transaction service 20) that marries mobile commerce with e- commerce in ways never anticipated before while simultaneously addressing two of the most persistent issues in e-commerce: shopper confidence and abandoned sales.
- the conventional industry approach to marrying mobile commerce and e-commerce has been to make mobile devices web capable. This is to say that the general trend in the technology industry has been to develop technologies that allow a Consumer to browse and shop from websites via his/her mobile device.
- a standard e-commerce purchase allows a Consumer to use a personal computer to access the Internet, browse to a website, shop online, fill out any forms that the merchant needs to complete the transaction and finally pay for the purchase online.
- the embodiments disclosed herein make a mobile device complementary to a standard e-commerce purchase. This is done by providing the Consumer 18 to use the transaction service 20 to facilitate the payment and form fill out components of the online transaction 5.
- the Payment System or environment 10 that includes the consumer environment 4 from which the consumer 18 (e.g. main account holder or subaccount holder as registered with the transaction service 20) encounters the OMRI 200 or the product code data 3 and interacts with the OMRI 200 or the product code data 3 (and/or provides their consumer code data 3 to the merchant 16) using their computer device 12 (e.g. desktop computer, mobile device, etc.) via the transaction application 113.
- the environment 10 also has the merchant 16 operating their computer device 17 (e.g.
- a merchant computer system including one or more servers, one or more desktop computers, one or more point of sale (POS) terminals, and/or one or more mobile devices), who can request generation of the OMRI 200 or the product code data 3 (see Figure 4) to include product data 206, merchant data 208 and/or transaction data 203 (further described below) from the transaction service 20.
- the merchant 16 can make the OMRI 200 or the product code data 3 available in the consumer environment 4 for subsequent access by the consumer 18 and/or can send the OMRI 200 or the product code data 3 directly to the computer device 12 of the consumer 18 via the communications network 11.
- the merchant 16 can also instruct the transaction service 20 to send the OMRI 200 or the product code data 3 directly to the computer device 12 of the consumer 8 via the communications network 11.
- the merchant 16 can request the consumer code data 3 from the consumer 18, in order to effect payment for the product represented by the purchase transaction 5.
- the communications network 1 can be one or more networks, for example such as but not limited to: the Internet; an extranet; and/or an intranet. Further, the communications network 11 can be a wired or wireless network. It is also recognized that network 11 messages (between the various devices 6, 12, 17 and a transaction system 14) can be communicated via short range wireless communication protocols such as but not limited to Bluetooth TM, infrared (IR), radio frequency (RF), near field communication (NFC) and/or by long range
- short range wireless communication protocols such as but not limited to Bluetooth TM, infrared (IR), radio frequency (RF), near field communication (NFC) and/or by long range
- the devices 12,17 could communicate with one another using short range Bluetooth TM communications while the devices 6,12 or 6,17 could
- the transaction service 20 can communicate also via the communications network 11 with the transaction processing system 14 that performs the settlement (e.g. debit of funds specified in the transaction 5 from the financial account 72 associated with the consumer 18 and crediting of the funds in to a financial account 70 of the merchant 16) of any required funds transfer in the transaction 5 between the financial accounts 70, 72 (e.g. the merchant account 70 and the consumer account 72).
- the actual amount of debit and credit funds actions performed by the transaction processing system 14 may not exactly match a payment amount specified in the transaction 5, as embodied in the OMRI 200 or the product code data 3, due to applied service charges.
- a payment request of $5 from the financial account 72 to the financial account 70 could result in an actual debited amount of $5.02 (representing an included $0.02 service charge to the consumer 18) and/or an actual credited amount of $4.98 (representing an included $0.02 service charge to the merchant 16).
- processing of the electronic funds transfer of the transaction 5 can involve a transaction service charge (optional) being charged to the merchant 16 and/or the consumer 18 in order to complete the funds transfer of the transaction 5.
- Transaction 5 settlement can be defined as where the payment amount (i.e. optional financial component of the transaction 5) is transferred (via the transaction processing system 14) from the one account 72 to the other account 70, i.e. the credit and debit transactions of the payment amount against the respective accounts 70,72 are either performed (e.g. in real time) or promised to be performed (e.g. included in a batch transaction to be performed later in the day or following business day).
- network 11 communication messages facilitating the processing of the transaction 5 are preferably between each of the transaction application 113 and the merchant interface 8 and the transaction interface 15 directly, rather than directly between the transaction application 113 and the merchant interface 8 themselves (i.e.
- transaction application 113 and the merchant interface 8 can also be configured, for example for the purpose of gathering information relevant to generation and/or processing of the transaction 5 as desired.
- the transaction service 20 has the transaction interface 15 including a transaction processing system 80 and optionally an OMRI or the product code data 3 processing (e.g. generation and/or decoding) system 90 (further described below), such that the system 90 generates or otherwise decodes the OMRI 200 or the product code data 3 for the merchant 16 (or directly for the consumer 18) and the system 80 interacts with the merchant 16 and the consumer 18 to process the transaction 5 there-between upon receipt of the consumer code data 3, OMRI 200 or the product code data 3 (and/or information obtained from the OMRI 200 or the product code data 3 from the transaction application 113 provisioned on the computer device 12) from the consumer 18.
- OMRI OMRI or the product code data 3 processing
- the transaction service 20 is implemented on the computer device 6 (e.g. a web server) and communicates over the communications network 1 with the computer devices 17,12 via the hosted transaction interface 15.
- the transaction interface 15 of the transaction service 20 can be a web site accessible over the communications network 11 by the computer devices 17,12 using
- the transaction interface 15 is in communication with the transaction application 113 and the merchant interface 8. Accordingly, the transaction interface 15, computer device
- the 12 and computer device 17 can interact (e.g. via network 11 messages) together to initiate and complete the transaction 5, for example based on products offered and sold by the merchant 16 to the consumer 18, such that the OMRI 200 or the product code data 3 (see Figure 4) can be generated and included as part of the initiation and/or processing (as associated with the consumer account via the consumer code data 3) of the transaction 5 in conjunction with the transaction interface 15.
- the consumer environment 4 is defined as the environment in which the consumer 18 can come into contact with the OMRI 200 or the product code data 3 or other product information offered by the merchant 6 (e.g. at a merchant POS or online). It is recognized that optionally information on the desired product can be obtained as the OMRI 200 or the product code data 3 by the computer device 12 through an electronic network message 54 (e.g. sent directly or indirectly from the merchant 16 via the environment 4) containing an image of the OMRI 200 or the product code data 3 and/or can be obtained using an imager 118 (e.g. a camera - see Figure 6) operated through the computer device 12 in order to capture an image of the OMRI 200 or the product code data 3 in range of the imager 1 8.
- an electronic network message 54 e.g. sent directly or indirectly from the merchant 16 via the environment
- an imager 118 e.g. a camera - see Figure 6 operated through the computer device 12 in order to capture an image of the OMRI 200 or the product code data 3 in range of the imager 1 8.
- a website e.g. merchant website, affiliated merchant website, product advertizing website, etc.
- the media used can be printed media such as but not limited to:
- printed media used as a source of the OMRI 200 or the product code data 3 can be any physical substrate (e.g. paper, cloth, plastic, etc.) upon which the OMRI 200 or the product code data 3 is printed, formed, or otherwise embossed.
- electronic media used to display the image of the OMRI 200 or the product code data 3 can be such as but not limited to: electronic billboards; computer displays of the merchant computer systems such as point of sale terminals; displays of the consumer 18 such as desktop computers; television screens; and any other computer display adjacent to and in range of the imager 118 of the computer device 12.
- the product code data 3 can be communicated audibly (e.g. over the radio or other audio based advertisement) to the consumer 18.
- One example of the consumer environment 4 is where the computer device 12 receives a network message 54 containing an image of the OMRI 200 or the product code data 3 that is displayed on the user interface 104 (see Figure 6) of the computer device 12.
- the network message 54 can be an order screen sent from a merchant order interface 8 (of a merchant website) operated by the merchant computer device 17.
- the consumer 18 can select the OMRI 200 or the product code data 3 image on their user interface 104 using a cursor or touch screen functionality of the computer device 12 and then use the transaction application 113 to coordinate subsequent transaction 5 processing via the
- a further example is where the consumer 18 is at a POS terminal (e.g. computer device 17) of the merchant 16, for example during purchase of retail products.
- the consumer 18 would use the imager 118 of the computer device 12 to capture an image of the OMRI 200 or the product code data 3, which could be displayed in printed form (e.g. on a paper order form) and/or on a computer display (e.g. of the POS).
- the consumer 18 could then use the transaction application 113 to coordinate subsequent transaction 5 processing via the processing system 80 of the transaction service 20 and/or via merchant interface 8 of the merchant device 17.
- the consumer 18 can receive product information visually or audibly from the merchant (e.g. via in person at the merchant POS and/or from their mobile device 12 interface or other consumer accessible computer/display interface and in response communicate (e.g. verbally) their associated consumer code data 3 for subsequent communication to the transaction service 20.
- the mobile device 12 does not necessarily have to communicate electronically with the transaction interface 15 or the merchant interface 8 in order to receive product information (e.g. the OMRI 200 or the product code data 3).
- the product information can be presented to the consumer 18, e.g. verbally/visually or on a merchant display screen and/or on printed label at a merchant physical retail location.
- the consumer 18 can record an image of the OMRI 200 or the product code data 3 by using the imager 8 of the computer device 12 (e.g. a camera enabled mobile device), for subsequent processing by the mobile device 12 and the transaction service 20.
- the consumer 18 can note the product code data 3 and then enter it via the user interface of their mobile device 12.
- the computer device 12 can use optical character recognition on an image of the product code data 3 in order to recognize the product code data 3 and provide it to the merchant interface 8 (e.g. via the application 113). Definition of Products
- economic output is divided into goods and services.
- an economic activity yields a valuable or useful thing, it can be known as production output of the totality of products (e.g. goods or services) in an economy that the merchant 16 makes available for use by the consumers 18.
- Products as goods can range from a simple safety pin, food, clothing, computer components to complex machinery and electronic or physical media (physical or electronic versions of music, print media, etc.).
- Products as services are the performance of any duties or work for another (e.g. helpful or professional activity) and can be used to define intangible specialized economic activities such as but not limited to: providing access to specific information; web services; transport; banking; legal advice;
- the merchant 16 providing the products can be a businessperson or individual engaged in wholesale/retail trade, an organization, an administration, and/or a business that sells, administers, maintains, charges for or otherwise makes available product(s) that are desirable by the consumers 18. Therefore, it is recognized that the products may be made available to the consumer 18 for purchase and/or for free.
- a "free" product is a trial subscription to a web service.
- the merchant 16 can be one person, or an association of persons, for the purpose of carrying on some enterprise or business; a corporation; a firm; etc. Further, it is recognised that the products can be related to company activities not related to specific product(s), for example consumer service, community activities, donations, and/or sponsorships. These general activities of the merchant 16 are also considered as part of the definition of merchant 16 products.
- the merchant products are offered (e.g. for sale) using product information communicated to the consumer 18, e.g. the OMRI 200 or the product code data 3 (e.g. accessed via an online interface and/or image captured) that is made accessible by the consumer 18.
- the merchant interface 8 can provide the consumer 18 with the ability to select and/or specify a plurality of desired products for purchase (or without purchase and just as a registration or subscription not requiring payment as part of the transaction 5) and thereby provide the product information (e.g. OMRI 200 or the product code data 3) to the merchant interface 8 (see Figure 4) that can contain encoded product information and merchant information (symbology information 204, in the case of the ORMI 204) representing summary information (e.g.
- product listing, total purchase price, merchant profile information, etc. of the products, e.g. one OMRI representing product and merchant data for two or more products.
- product information e.g. the OMRI 200 or the product code data 3
- the transaction application 113 of the mobile device 12 can contain data (e.g. product data 206, merchant data 208, and/or other transaction data 210) pertaining to one or more products, optionally including payment transaction data needed by the transaction processing system 4 to settle financial elements of the transaction 5 (optionally involving financial details).
- the consumer 18 can supply the requisite payment confirmation information (e.g. PIN authorization, acceptance of purchase transaction, subaccount password, etc.).
- the OMRI 200 (i.e. an optical machine-readable representation of data) of the payment transfer transaction 5 can contain symbology information 204 in encoded form based on a coding scheme 209.
- a barcode such that the coding scheme 209 is a barcode coding scheme for use in encoding and decoding of the symbology information 204 of the barcode.
- a dataglyph such that the coding scheme 209 is a dataglyph coding scheme for use in encoding and decoding of the symbology information 204 of the dataglyph.
- the merchant 16 products can include restaurant meals (and/or service), such that the product information (e.g. OMRI 200 or the product code data 3) acknowledged by the consumer 18 represents a meal bill and the products are individual food and/or beverage items. It is also recognized that the merchant 6 products can be groceries or other retail items being paid for in person by the consumer 18 at the merchant retail establishment, for example. It is also recognized that the products in a rental or professional services context including a duration of the time the services were performed.
- the product information e.g. OMRI 200 or the product code data 3
- the merchant 6 products can be groceries or other retail items being paid for in person by the consumer 18 at the merchant retail establishment, for example.
- the products in a rental or professional services context including a duration of the time the services were performed.
- OMRI 200 e.g. barcode, dataglyph, etc.
- OMRI 200 refers to an optical machine-readable representation of encoded information or data, presented as an ordered pattern of symbols (i.e.
- barcodes can encode information in the widths and the spacing of parallel lines, and may be referred to as linear or 1 D (1 dimensional) symbologies.
- Barcodes can also encode information in patterns of squares, dots, hexagons and other geometric shapes or symbols within images termed 2D (2 dimensional) matrix codes or symbologies.
- 2D systems use symbols other than bars, they are generally referred to as barcodes as well.
- barcode images discussed herein for use with a barcode scanner or decoder can refer to either 1 D or 2D barcodes.
- the pattern can include any number of colors (typically also including black and white)
- the OMRI 200 can be generated to include symbology information 204 representing merchant and product content used, for example, to help define product and payment or other transaction terms/details concerning the product(s) made available to the consumer 18 by the merchant 16.
- the OMRI 200 can be electronically displayed (e.g. on a computer display), can be provided as graphic content (e.g. an image file such as but not limited to a GIF or JPEG) in a network message 54) and/or can be provided in printed form (e.g.
- interaction between the OMRI 200 or the product code data 3 and the consumer 18 placing the order for the product(s) can include consumer 18 actions such as but not limited to: selection (e.g. via mouse or other pointer) on the user interface 104 of the consumer device 12 displaying the OMRI 200 or the product code data 3; receiving the image file containing the OMRI 200 or the product code data 3; and/or recording/capturing the image of the OMRI 200 or the product code data 3 using the imager 118 (e.g. camera) (see Figure 6) of the computer device 12 (e.g.
- the OMRI 200 or the product code data 3 is displayed on physical media and/or electronic media (i.e. an electronic display adjacent to the consumer device 12 and in-range of the imager 118).
- Example environments of the described image capture process would be where the OMRI 200 or the product code data 3 is displayed on a desktop computer of the consumer 18 or on a computer terminal (part of the transaction interface 8) of the merchant 16.
- the consumer 18 can input the product code data 3 as text input via the user interface of their computer device 12.
- the consumer 18 can also provide to the merchant 18 (and/or the transaction interface 15 via the payment application 113) their associated consumer code data 3 for use in accessing the requisite payment account 72 associated with the main account (or subaccount) registered with the transaction service 20.
- the symbology information 204 includes a plurality of symbols (i.e. graphical elements) that, as a collection of symbols or patterns (e.g. an organized collection of symbols forms a legend, or key), represents encoded transaction information that is distinct from the actual unencoded merchant and product information 201 itself.
- a graphical element (of the symbology 204) of a black line of a specific width represents a textual element (of the textual information 201) as the number six, while a different width represents a different textual element (of the textual information 201) such as the number two.
- graphical elements can be pictures (e.g.
- the graphical element "6" e.g. encoded or symbology information 204 in the coding scheme 209 could be mapped to a product code "1234" (e.g. unencoded information 201).
- the graphical element "( * )" e.g. encoded or symbology information 204) in the coding scheme 209 could be mapped to a product code "1234" (e.g. unencoded information 201).
- the purpose of the symbology information 204 is to communicate encoded invoice information (that defines a plurality of invoice parameters) as readable (e.g. decodable) by an image decoder.
- the decoder could be present on the mobile device 12 and/or on the transaction service 20, as further described below.
- mapping i.e. processing performed by the decoder or encoder
- a specification of the symbology information 204 can include the encoding of the single digits/characters of the textual merchant and product information 201 as well as the start and stop markers into individual symbols (e.g. bars) and space between the symbols of the symbol collection/pattern, the size of a quiet zone required to be before and after the OMRI 200, as well as a computation of a checksum incorporated into the OMRI 200 for error checking purposes as is known in the art.
- the OMRI 200 may not contain descriptive data, rather the OMRI 200 can be used as containing reference codes (e.g. decoded OMRI information) that a computer uses to look up an associated record that contains the descriptive textual merchant and product information 201 , as well as any other relevant information about the products or items associated with the transaction 5 encoded in the OMRI 200.
- the matching item record of the symbology information 204 can contain a description of the product, vendor name, product price, quantity-on-hand, etc., including any of the product data 206, merchant data 208, consumer data 211 , and/or transaction data 210 (e.g.
- OMRIs 200 can contain, besides reference ID, additional or supplemental information such as product name or manufacturer, for example, and some 2D OMRI 200 may contain even more information as they can be more informationally dense due the greater variation potential of the printed patterns over those of 1 D OMRI 200.
- the product code data 3 may not contain descriptive data, rather the product code data 3 can be used as a reference or lookup identifier that a computer uses to look up an associated record that contains the descriptive textual merchant and product information 201 , as well as any other relevant information about the products or items associated with the transaction 5 represented by the product code data 3.
- the matching item record of the product code data 3 can contain a description of the product, vendor name, product price, quantity-on-hand, etc., including any of the product data 206, merchant data 208, consumer data 211 , and/or transaction data 210 (e.g. transaction type) as further described below.
- some the product codes data 3 can be referenced or otherwise associated with, besides reference ID, additional or supplemental information such as product name or manufacturer.
- consumer code data 3 may not contain descriptive data, rather the
- consumer code data 3 can be used as a reference or lookup identifier that a computer uses to look up an associated record that contains the descriptive textual consumer 18 and account information 61a, as well as any other relevant payment information for the products or items associated with the transaction 5.
- the matching item record of the consumer code data 3 can contain a description of the consumer name, associated main account and/or subaccount registered with the transaction service 20, authorized transaction types and/or limits/thresholds, payment account information 72, as further described below.
- linear symbologies e.g. UPC barcodes as an example symbology format of the OMRI 200
- UPC barcodes as an example symbology format of the OMRI 200
- continuous vs. discrete characters (i.e. representing the merchant and product information 201 content) in continuous symbologies usually abut, with one character ending with a space and the next beginning with a bar (e.g. light-dark patterns), or vice versa.
- Characters i.e. representing textual merchant and product information 201 content
- discrete symbologies begin and end with bars and any intercharacter space is ignored as long as it is not wide enough to look like the code ends.
- bars and spaces in two-width symbologies are wide or narrow, and the exact width of a wide bar has no significance as long as the symbology requirements for wide bars are adhered to (usually two to three times wider than a narrow bar).
- Bars and spaces in many-width symbologies are all multiples of a basic width called the module, wherein most such codes use four widths of 1 , 2, 3 and 4 modules.
- Some linear symbologies use interleaving, such that the first character (i.e. representing the textual merchant and product information 201 content) is encoded using black bars of varying width.
- the second character i.e.
- multidimensional symbologies e.g. 2D, 3D, etc.
- matrix codes which feature square or dot-shaped modules (i.e. representing the merchant and product information 201 content) arranged on a grid pattern.
- 2-D symbologies also come in circular and other patterns and may employ steganography, thereby hiding modules within an image (for example, using DataGlyphs).
- Aztec Code is another type of 2D barcode.
- QR Quick Response Codes
- OMRI 200 consists of black modules arranged in a square pattern on a white background.
- the information encoded can be made up of four standardized kinds ("modes") of encoded data (e.g. numeric, alphanumeric, byte/binary, and/or Kanji), or by supported extensions virtually any kind of data.
- custom graphical elements (as codified in the coding scheme 209) involving combinations of one or more graphical elements used to represent a textual element, e.g. a corporate logo is used as a collection of graphical elements (e.g. circle, square, and company name) that is mapped (e.g. decoded) by the coding scheme 209 to represent a textual element (e.g. a URL to a webpage of the company website).
- the textual element can be mapped (e.g. encoded) by the coding scheme 209 to represent the collection of graphical elements.
- the graphical element of a company name (the symbology information 204) is decoded by the coding scheme 209 to represent the text of the URL (the unencoded information 201).
- the coding scheme 209 One example of barcodes containing custom graphical elements is Microsoft TM Tag barcodes.
- Microsoft TM Tags as an OMRI 200 are another type of barcode, e.g. 2D barcodes, which offer more flexibility than traditional barcode formats both in the barcode design and the content behind it.
- Microsoft Tag barcodes can be linked to data stored on a server, you can deliver a more robust online experience - including entire mobile sites - and update the content any time without having to change the Microsoft Tag. So, if you link a Microsoft Tag on your business card to your resume, it will still be valid after you get that big promotion.
- Microsoft Tags can be black-and-white or full-color, including custom images (e.g., a company logo). Therefore, the Microsoft Tag can have encoded data in the symbology information 204 of the Tag that includes a link (e.g.
- a Tag encoder would use a Tag coding scheme 209 to encode the textual link information 201 into corresponding symbology information 204, e.g. the hyperlink to a website (the textual link information 201) would be represented as one or more graphical elements such as a company logo or even graphical elements (the symbology information 204) picturing the product itself.
- the symbology information 204 of the OMRI 200 can be encrypted (e.g. using a DES algorithm).
- codewords embedded/encoded in the symbology information 204 are typically 8 bits long.
- the transaction 5 data represented by the symbology information 204 in the OMRI 200 can be broken up into multiple blocks, such that each block includes a number (e.g. 255) of codewords in length.
- OMRI 200 optical machine-readable representation of encoded information or data
- DataGlyphs are a new technology for encoding machine readable data onto paper documents or other physical media. They encode information into a number of tiny, individual glyph elements.
- Each graphical (e.g. glyph) element can consist of a small 45 degree diagonal line as short as 1/100th of an inch or less, depending on the resolution of the printing and scanning that is used, for example.
- Each glyph element (as the symbology information 204) represents a single binary 0 or 1 (as the decoded textual information 201), depending on whether it slopes to the left or right.
- Sequences of these glyph elements can be used to encode numeric, textual or other information (unencoded information 201).
- the individual glyphs are grouped together on the page (or displayed electronically on a display), where they form unobtrusive, evenly textured gray areas, like half-toned pictures.
- the individual glyphs are grouped together on the page (or displayed electronically on a display), where they form unobtrusive, evenly textured gray areas, like half-toned pictures.
- One of the reasons for using diagonal glyph elements is because research has shown that the patterns that they form when massed together are not visually distracting. DataGlyph technology allows ordinary business documents to carry thousands of characters of information hidden in these
- DataGlyph areas can be printed on a document as part of its normal printing process or displayed on a screen as part of the normal image rendering process.
- the information to be put in the DataGlyphs is encoded as a sequence of individual glyphs, and these can be printed either directly by the encoding software (for instance, by computer laser printer) or via a conventional printing process, such as offset.
- the glyphs are laid down on a finely spaced rectangular grid so that the area is evenly textured.
- each glyph area contains an embedded synchronization lattice or "skeleton" - a repeating, fixed pattern of glyphs which marks the boundaries of the glyph area and serves as a clocking track to improve the reliability of reading.
- a synchronization lattice or "skeleton" a repeating, fixed pattern of glyphs which marks the boundaries of the glyph area and serves as a clocking track to improve the reliability of reading.
- error correcting code is added to each block.
- the amount of error correction to be used is chosen by the application, depending on the expected quality of the print-scan cycle. Higher levels of error correction increase the size of the glyph area needed for a given amount of data, but improve the reliability with which the data can be read back.
- OMRI 200 can be embodied as barcodes, dataglyphs or other images that contain encoded symbology information 204 that can be decoded into unencoded information 201 (e.g. textual elements) using an appropriate coding scheme 209 that provides a mapping (e.g. rules) between the symbology information 204 to into the unencoded information 201 (e.g. the decoding process) and the unencoded information 201 into the symbology information 204 (e.g. the encoding process).
- mapping e.g. rules
- barcode 200 can be interchanged with the broader meaning of OMRI 200, as desired.
- the transaction type 203 assigned to the OMRI 200 will determine what portion of the functionality of the transaction application 113 is used by the consumer 18, and/or provided by the transaction interface 15 or merchant interface 8, to facilitate processing of the transaction 5 associated with the OMRI 200.
- the transaction type 203 assigned to the product code data 3 will determine what portion of the functionality of the transaction application 113 is used by the consumer 18, and/or provided by the transaction interface 15 or merchant interface 8, to facilitate processing of the transaction 5 associated with the product code data 3.
- the PIN can be defined as a secret numeric (however can also include alpha or other non-numeric characters) password shared between the payment account user (e.g. consumer 18 such as the main account holder and/or the subaccount holder) and system 10, for use in authentication of the consumer 18 to the system 10.
- the payment account user e.g. consumer 18 such as the main account holder and/or the subaccount holder
- system 10 for use in authentication of the consumer 18 to the system 10.
- the PIN in operation of the payment application 113 configured mobile device 12, the PIN can be entered via the user interface 104 of the mobile device 12 and thereby included (e.g. in encrypted form) in the trasnaction request confirmation.
- the PIN can be sent encoded by using the encoding scheme 209 of the OMRI 200 or can be represented as the consumer code data 3, such that the payment application 113 would use the appropriate encoder configured for using the encoding scheme 209.
- the consumer 18 is granted access to the assigned account 72 when the PIN entered matches with the stored PIN as held by the transaction interface 5 and/or the payment platform 14. In particular, it is
- the provision of a technical solution involves using PIN information entered via the mobile device 12 (i.e. using the user interface 104 and the communications interface 102).
- confirmation information submitted by the consumer 18 via the mobile device 12 interface can be other than a PIN, for example confirmation information such as but not limited to a generic alpha-numeric password or phrase associated with authorized use of the account/subaccount and corresponding financial account 72.
- the transaction application 113 can include a plurality of OMRI 200 or the product code data 3 related
- the transaction application 113 can be configured as a thin client of the transaction service 20, such that the transaction application 113 is configured to interact with the processing system 80,90 (of the interface 8,15) via a series of web pages generated by the processing system 80,90, sent via network messages 13 and displayed on the user interface 104. Accordingly, the transaction application 113 would interact with a web browser (or other network communication program) to send and receive the messages 13 via the network 11 containing transaction 5 specific information, i.e. to display the web pages including output data 217 (further discussed below) for the transaction 5 and to coordinate the entry and network transmission of input data 215 such as transaction authorization/confirmation information (further discussed below) for the transaction 5.
- a web browser or other network communication program
- the transaction application 113 can be configured as a thick client of the transaction service 20, such that the transaction application 113 is provisioned with transaction and/or OMRI or the code data 3 processing functionality similar to (or at least contains a portion of) that functionality of the transaction processing system 80 and/or the OMRI processing system 90, as further described below. It is recognized that the thick client version of the transaction application 113 could be configured to perform some of the transaction or OMRI or product code data 3 processing on behalf of or otherwise in substitution of any of the processing functionality of the transaction processing system 80 and/or the OMRI processing system 90 implemented by the overall system 10 during processing of the
- the thick client version of the transaction application 113 could also be configured to communicate over the network 11 via a series of web pages (or other electronic data content formats such as XML files) as generated or otherwise received by the transaction processing system 80 of the interfaces 8,15, sent via as network messages 13 between the computer device 12 and the interfaces 8,15.
- the environment 10 can use a transaction flow, i.e. a defined interaction (e.g. transaction workflow instructions, executed by the computer device 12 (e.g. mobile) via the transaction application 113 and/or device browser, and/or by the computer 6,17 of the interface 8,15) between the interface(s)
- a transaction flow i.e. a defined interaction (e.g. transaction workflow instructions, executed by the computer device 12 (e.g. mobile) via the transaction application 113 and/or device browser, and/or by the computer 6,17 of the interface 8,15) between the interface(s)
- transaction application 113 of the computer device 12, to provide the consumer 18 with the ability to initiate (or otherwise respond to) a variety of transaction types.
- These transaction types can be encoded in the symbology information 204 of the OMRI 200 or the product code data 3 (or otherwise
- the interface(s) 8,15 and the transaction application 113 are used by the interface(s) 8,15 and the transaction application 113 to direct (via the workflow instructions appropriate to the transaction type, for example stored or otherwise accessible to the transaction interface 15 via the local storage 110) the consumer 18 to provide transaction appropriate input data 215 and to present transaction appropriate output data 217 to the consumer 18 (via operation of the user interface 104).
- output data 217 dependent on the transaction type would be a set of instructions displayed on the user interface 104 on how to enter a tip amount (e.g. various tip options such as % tip, $ tip, etc.) as well as instructions on how to confirm total meal cost including tip.
- the merchant transaction type settings can be housed in the storage 110 of the transaction service 20 and not contained in the OMRI 200 or the product code data 3, rather the transaction type settings can be stored as part of the merchant profile 117 (e.g. part of the stored merchant data).
- the OMRI 200 or the product code data 3 would contain (or otherwise reference) a merchant profile identifier 203 that is used to access the merchants transaction type settings by the transaction service 20 associated with the merchant profile 7. It is also recognized that the identifier 203 can be a unique identifier 203 of the transaction 5 (e.g. a unique transaction number) payment request and can be associated with the confirmation messages sent to the consumer 18 and/or the merchant 16 by the transaction interface 15. In this case, the merchant data 206 would be used in the payment request to help identify the merchant 16 via the merchant profile 117.
- a unique identifier 203 of the transaction 5 e.g. a unique transaction number
- the output data 217 could include definitions on data content (e.g. specific wording of instructions, advertizing content associated with instructions, etc.) and/or data format of instructions (e.g. font type, font colour, background colour, included images, etc.). It is also recognized that the output data 217 could include definitions on content and display format of consumer selections (e.g. drop down menus, data entry fields, etc.) used by the transaction application 1 3 to facilitate entry of the transaction appropriate input data 215 by the consumer 18.
- data content e.g. specific wording of instructions, advertizing content associated with instructions, etc.
- data format of instructions e.g. font type, font colour, background colour, included images, etc.
- the output data 217 could include definitions on content and display format of consumer selections (e.g. drop down menus, data entry fields, etc.) used by the transaction application 1 3 to facilitate entry of the transaction appropriate input data 215 by the consumer 18.
- the input data 215 and the output data 217 can take a variety of different content and form, depending upon the transaction functionality (via the workflow instructions appropriate to the transaction type) needed during interaction by the interface 8,15 with the consumer 18 once the transaction 5 is initiated.
- the input data 215 can include the consumer data 211 (further defined below), which can be obtained from: registration details 117 of the consumer 18 that is stored (in database 110) and available to the merchant device 17 or transaction service device 6; data that is entered (e.g. consumer code data 3) or otherwise selected by the consumer 18 using the user interface 104; data that is obtained from the symbology information 204 of the OMRI 200, or any combination thereof.
- the interfaces 8, 15, as well as any thick client transaction functionality configured into the transaction application 113 can have stored (in their memory 110) appropriate workflow instructions assigned or otherwise associated with each of the transaction types. It is envisioned that knowledge of the workflow instructions for a particular transaction 5 can be accessible and executable by the transaction application 113, the interface 8, the interface 15, or a combination of any of the above.
- workflow instructions and input data 2 5 requirements for transactions are for those purchases involving a tip option (e.g. sit down restaurant meal) and those that do not (e.g. retail product purchase or take-out meal purchase).
- Another obvious difference in workflow instructions and input data 215 requirements for transactions is for on-line purchases versus POS purchases, such that the latter mayor may not require consumer address information if the consumer can carry the purchased products themselves.
- the payment request of the transaction 5 (for example sent by the merchant interface 8 to the transaction interface 15) can be used by the consumer 18 and the merchant 16 to define what has been purchased, when, by whom, from whom, and how much money has been spent on what.
- the OMRI 200 can be generated to include the symbology information 204 (or the product code data 3 is generated as a reference lookup identifier to reference information) including product invoice information 201 for two or more products (for example), such that the symbology information 204 of the OMRI 200 (or reference information of the or the product code data 3 - e.g.
- the OMRI 200 or the product code data 3 can represent the transaction 5, using the symbology information 204 in the case of the ORMI 200 or as table reference information 61 in the table 63), defined as a commercial contract issued by the merchant 16 to the consumer 18, indicating the products, quantities, and/or agreed prices for products the merchant has (or will) provide the consumer 8 in exchange for payment (i.e. debit of consumer account and corresponding debit of merchant account) of the transaction 5.
- the payment request issued by the merchant interface 8 can be a traditional electronic message including electronic data representative of a commercial contract issued by the merchant 16 to the consumer 18, indicating the products, quantities, and/or agreed prices for products the merchant 16 has (or will) provide the consumer 18 in exchange for payment (i.e. debit of consumer account and corresponding debit of merchant account) of the transaction 5.
- the payment request indicates the consumer 18 must pay the merchant 16, according to any payment terms contained in the payment request. It is also recognized that the payment request in a rental or professional services context could also include a specific reference to the duration of the time being billed, so rather than quantity, price and cost, the invoicing amount can be based on quantity, price, cost and duration.
- the rental/services payment request can refer to the actual time( e.g. hours, days, weeks, months, etc.) being billed.
- the issued payment request (i.e. transmitted over the network 11 to the transaction interface 15) can be regarded as a sales invoice.
- the payment request can be regarded as a purchase invoice.
- the payment request can identify both the consumer 18 and the merchant 16, but the term "payment” generally refers to the fact that money is owed or owing between the merchant 16 and consumer 18.
- the product data 206 of the payment request can include for each product, information such as but not limited to: a product identifier (e.g. product number or code - such as a UPC code), a product purchase price (e.g. unit price of the product), a quantity number of the product (e.g. the number 2 in the case where two of the same product in the purchase order); and/or a description of the product.
- a product identifier e.g. product number or code - such as a UPC code
- a product purchase price e.g. unit price of the product
- a quantity number of the product e.g. the number 2 in the case where two of the same product in the purchase order
- the merchant data 208 e.g.
- the transaction data 210 e.g. of the symbology information 204) of the payment request can include information such as but not limited to: a unique invoice reference number (for use in tracking
- 206,208,210,211 (e.g. of the symbology information 204) of the payment request can also be represented in at least whole or in part in the textual request information 201.
- what symbology information 204 optionally in the ORMI 200 can be decoded (by the computer device 12 and/or the transaction interface 15) into the payment information 201 , and the payment information 201 can be encoded (e.g. by the transaction interface 15, merchant interface 8, and/or the payment application 113) into the symbology information 204.
- this data of the payment request can include information such as but not limited to: a reference code (e.g. consumer code data 3) to be passed along to the transaction interface 15 identifying the payer (e.g. consumer 18); name and contact details (e.g. address) of the consumer 18; and/or an account number (e.g. a bank account number, a credit card number, a debit card number of the consumer 18) identifying the source of funds to be used to pay for the products. It is recognized that the account number 72 identifying the consumer 18 source of funds to be used to pay for the products, instead of being listed in the payment request, can be associated with the consumer 18 via the supplied consumer code data 3.
- a reference code e.g. consumer code data 3
- name and contact details e.g. address
- an account number e.g. a bank account number, a credit card number, a debit card number of the consumer 18
- the customized coding scheme 209 can contains code words and rules for use in translating (i.e. encoding, decoding) between the symbology information 204 of the OMRI 200 and the payment information 201 of the payment request associated with the financial transaction 5 (i.e. transfer of funds between accounts 70,72 as performed by the payment processing system 14).
- the product code data 3 can be used as a lookup identifier to obtain (e.g. the product code data 3 is cross referenced to transaction/product/consumer/merchant information 61 in the lookup table 63) the data 206,208,210,211 included in the merchant information 61.
- the transaction service 20 may consist of: a Mobile Payment Transaction Interface 15 that resides on a Transaction Server 6, which can be configured to enable the transaction interface 15 to communicate with the Mobile Payment Client application 113 and the Payment Platform (e.g.
- the Transaction Server 6 can also house the merchant 16 profile information; the consumer 18 profile information (e.g., name, address, phone number, e-mail address, Payment Account Information, etc.); allow the consumer to access his/her account via the web; allow the Payment Platform (e.g. transaction processing system 14) to communicate with the mobile application 113 and the transaction interface 15.
- the merchant 16 profile information e.g., name, address, phone number, e-mail address, Payment Account Information, etc.
- allow the consumer to access his/her account via the web allow the Payment Platform (e.g. transaction processing system 14) to communicate with the mobile application 113 and the transaction interface 15.
- the mobile application 113 which resides on the consumer's mobile device 520 can be used to: capture/scan the OMRI 200 or product code data 3 information; create a Transaction on the Payment Platform; communicate with the Payment Platform; communicate with the Merchant Transaction Server; provide Consumers with transaction options (e.g., buy, decline transaction, send personal information, go to merchant website, more info, etc.); provide customized process flows based on the merchant type (e.g., prompt for a tip if the merchant is identified as a restaurant, bypass user confirmation of a transaction for transactions under a certain price, prompt the user to send personal information to the merchant in order to auto-populate any forms that the merchant may need filled out, etc.); allow the Consumer to select his/her desired Payment Account (e.g., credit, debit, chequing, E-wallet, coupon, gift card, etc.); and allow the Consumer to log in to his/her account for account maintenance purposes (e.g. via the consumer code data 3).
- the merchant type e.g., prompt for a tip if the
- a Mobile Payment Application merchant interface 8 can reside on a merchant mobile device 17 and can be used to: receive payment
- the product code data 3 can be implemented as a short code service (i.e. unencoded textual information as compared to coded textual information in the form of a barcode 200).
- a short code i.e. unencoded textual information as compared to coded textual information in the form of a barcode 200.
- the consumer 18 can provide a short code as the product code data 3 (e.g. a sequence of characters including numeric characters and/or alpha characters) that is also known to the transaction service 20 as the product code data 3 used in identifying the actual information 201 stored as information 61 cross-referenced or otherwise indexed to the product code data 3 in the lookup table 63, which can be stored and accessible by the transaction interface 15.
- the rest of the split purchase transaction 5 process is exactly the same.
- One advantage in using the short code is that it works in situations where generating or otherwise scanning/processing the barcode 200 is not feasible by the merchant application 8 and/or the payment application 113.
- the communication means for identifying the information 201 used in processing the transaction 5 to the transaction service 20 via the merchant terminal 17 can involve the transmission of the product code data 3 from the Mobile Device 12 (i.e. via the payment application 1 3) to the merchant terminal 17 (i.e. via the merchant application 8) using NFC, Bluetooth, Infrared or other similar short-range,
- the transmission of this product code data 3 information to the merchant 16 may be something as simple as verbal transmission between the merchant 16 and consumer 18 and/or by simply reading of the product code data 3 off of the screen of the device 12 by the merchant 16 - in the case where the product code data 3 is displayed on the screen of the device 12 (e.g. via interaction with the payment application 113 by the consumer 18).
- a speaker of the device 12 is used by the payment application 113 to audibly communicate the product code data 3 to the merchant 16.
- the product code data 3 is communicated to the merchant terminal 17 via a network 11 communication message as can be the case for transmission of the ORMI 200.
- the transmission of the consumer code data 3 from the consumer 18 to the merchant 16 can use NFC, Bluetooth, Infrared or other similar short-range, communication
- the transmission of this consumer code data 3 information to the merchant 16 may be something as simple as verbal transmission between the merchant 16 and consumer 18 and/or by simply reading of the consumer code data 3 off of the screen of the device 12 by the merchant 16 - in the case where the consumer code data 3 is displayed on the screen of the device 12 (e.g. via interaction with the payment application 113 by the consumer 18).
- a speaker of the device 2 is used by the payment application 3 to audibly communicate the consumer code data 3 to the merchant 16.
- the consumer code data 3 is communicated to the merchant terminal 17 via a network 1 communication message as can be the case for transmission of the ORMI 200.
- the transaction service 20 can marry mobile commerce with Electronic Media, and Print Media commerce in ways never thought possible before.
- Electronic media includes, but is not limited to, television, electronic billboards, and video display terminals.
- Print Media includes, but is not limited to, magazines, newspapers, catalogues, telephone directories, parking ticket and utility bills.
- the transaction service 20 can provide a marked improvement over the current Electronic and Print Media sales and advertising model.
- a consumer is required to: place a phone call to the merchant or a call center and provide the consumer service representative with his/her personal information and Payment Account Information.
- the Consumer has to browse to a website and provide his/her personal information and Payment Account Information online.
- the Consumer is obliged to go through a time consuming process that requires him/her to provide his/her personal information and expose his/her Payment Account Information to the merchant.
- the transaction service 20 addresses these problems by allowing a Consumer to initiate a purchase transaction by scanning the OMRI 200 (or otherwise recognizing/noting the product/consumer code data 3) displayed by the particular Electronic or Print Media. The rest of the transaction is completed on the OMRI 200 (or otherwise recognizing/noting the product/consumer code data 3) displayed by the particular Electronic or Print Media. The rest of the transaction is completed on the OMRI 200 (or otherwise recognizing/noting the product/consumer code data 3) displayed by the particular Electronic or Print Media. The rest of the transaction is completed on the
- Consumer's mobile device 12 without requiring the Consumer 18 to place a phone call or fill out personal information and/or Payment Account Information on the merchant's site.
- the transaction service 20 benefits the merchant 16, in that it allows the merchant to save money by not requiring the merchant to have a call center to process orders. It also benefits the merchant by providing Consumers with a simplified transaction process, which in turn can reduce abandoned registrations and purchases.
- the transaction service 20 benefits the Consumer by safeguarding the Consumer's Payment Account Information and by providing the Consumer with a significantly more simplified payment /registration process.
- a Point of Sale Transaction may be a retail POS terminal, ATM machine or similar device.
- the transaction service 20 can provide Consumers with a consistent transaction 5 process regardless of the transaction type (i.e. POS, Print Media, Electronic Media or e-commerce).
- the transaction service 20 can provide Consumers 18 the comfort of not having to expose Payment Account Information to a cashier at checkout. It can also provide the merchant 16 with the benefit of not having to handle cash, thereby reducing the risk of employee theft. Under the transaction service 20, it is the Consumer 18 that can carry out the image scanning using his/her mobile device 12 or otherwise communicate their consumer code data 3 to be used in the payment request by the merchant 16 as transmitted to the transaction interface 15. This can save the merchant 16 money by not requiring it to purchase/install any image scanning devices (or at least a reduced number of such merchant scanning devices). Furthermore, the transaction service 20 may benefit the merchant 16 by expediting the payment and consumer information gathering processes at checkout.
- the transaction service 20 can provide security in not requiring a Consumer 18 to enter his/her payment
- the transaction service 20 technology can also provide the ATM operator with a cheaper mobile payment processing service, in that it does not require the ATM machine to be outfitted with an image scanning device.
- the transaction service 20 disclosed herein facilitates mobile
- Consumers 18 can be provided with a consistent transaction 5 process regardless of where the transaction 5 originates.
- the Consumer 18 may use his/her mobile device 12 to scan the OMRI 200 or otherwise note the product code data 3, displayed and made available by the merchant 16, to initiate the transaction 5 process if applicable, as well as to communicate the consumer code data 3 if not done verbally.
- the optional OMRI 200 can be in the form of a graphical image, such as a 2-D barcode or hologram, which encodes information relating to a particular transaction 5 and/or a particular merchant 16 (e.g. through the merchant identifier 203 associated with the OMRl 200.
- the transaction interface 15 of the transaction service 20 may generally comprise certain computer software applications each of which run on certain physical components of the transaction network, and which are configured to be able to communicate, and to share information, with each other, where
- the transaction interface 15 may interact over the network 11 with software applications including the mobile application 13 running on the Consumer's mobile device 12 and the merchant interface 8 running on the merchant Transaction device(s) 17.
- the transaction service 20 is utilized to enable the Consumer 18 to effect a Print Media or Electronic Media commerce transaction 5 using his/her mobile device 12
- a suitable pre-encoded OMRl 200 or the product code data 3 can be simply presented on said media (there is no need to have a software application to generate a
- Transaction-specific OMRl 200 or the product code data 3 "on the fly”).
- a software application e.g. systems 90
- the generated OMRl 200 or the product code data 3 can be displayed on the Consumer's computer screen for scanning.
- the system 10 can additionally comprise the Mobile Payment interface 8 running on the merchant POS Terminal 17.
- Step 301 The Consumer 18 may select item(s) to be purchased on a merchant website or in a store (e.g. selected by the consumer 18 from the environment 4 or provided by the merchant device 17 in person or in a network 11 communications message).
- Step 302. The Consumer 18 can select “checkout” (or the equivalent thereof) or go to the cashier.
- Step 303 The merchant interface 8 on the merchant device 17 may be sent the "shopping cart” information (or in the case of a POS transaction, the cash register information) and generate product purchase information (e.g. an OMRI 200) containing all the particulars of the purchase (of the transaction 5).
- product purchase information e.g. an OMRI 200
- Step 304 The product purchase information (e.g. OMRI 200 or the product code data 3) can be displayed either on a computer screen or, in the case of a POS transaction, merchant display terminal 7.
- OMRI 200 or the product code data 3 can be displayed either on a computer screen or, in the case of a POS transaction, merchant display terminal 7.
- Step 305 The Consumer 18 can launch the Mobile Payment Client or mobile application 113 on his/her mobile device 12 and obtain the product purchase information (e.g. scan the OMRI 200 or otherwise note the product code data 3). Further, the consumer 18 can make available their consumer code data 3 to the merchant 16.
- the product purchase information e.g. scan the OMRI 200 or otherwise note the product code data 3. Further, the consumer 18 can make available their consumer code data 3 to the merchant 16.
- the mobile application 113 can optionally read the OMRI 200 or the product code data 3 (e.g. the product code data 3 can be entered manually by the consumer 18 via the user interface) and communicate with the merchant interface 8 or transaction interface 15 to identify the merchant 16 as well as to confirm or otherwise authorize the purchase transaction 5.
- the product code data 3 can be entered manually by the consumer 18 via the user interface
- Step 307. The Consumer 18 can be presented a list of options including "BUY NOW" as part of the transaction authorization.
- the Consumer 18 can optionally select "BUY NOW”.
- Step 309. The mobile application 113 can then optionally prompt the Consumer 18 to select the payment account 72 type and to provide login information such as a PIN number (which can be supplied or otherwise associated with the consumer code data 3).
- Step 310. The mobile application 113 can communicate with the Payment Platform (e.g. transaction processing system 14) via the transaction interface 15 to authenticate the Consumer 18 and to process the payment request associated with the transaction 5. This can also be done via the transaction interface 15 rather than directly with the payment platform 14. In either case, the consumer 8 can be identified by the transaction interface 5 as the main account holder or subaccount holder via the received consumer code data 3 and associated authorization data (e.g. PIN, password, or other transaction interface 15 recognized account/subaccount login information).
- the Payment Platform e.g. transaction processing system 14
- authorization data e.g. PIN, password, or other transaction interface 15 recognized account/subaccount login information.
- Step 311 In the event that there are sufficient funds/credit in the Consumer's account 72, the mobile application 113 can prompt the user 18 to send the Order Form Data to the merchant 16.
- Step 312. The Consumer 18 can select "YES" and the mobile application 113 sends the Order Form Data and the payment confirmation to the merchant interface 8 running on the merchant device 7.
- Step 313. By communicating with the mobile application 113, the transaction interface 15 can notify the Consumer of a successful Transaction 5 and e-mail a receipt to the Consumer's 18 registered e-mail address. In the case of a POS transaction, a paper receipt can be given to the Consumer 18. The Transaction 5 is now complete.
- a pre-encoded OMRI 200 or the product code data 3 that contains or is otherwise referenced to information 201 that is specific to the transaction e.g., merchant ID, merchant name, product(s) name, product(s) price, total, merchant URL, etc.
- information 201 that is specific to the transaction (e.g., merchant ID, merchant name, product(s) name, product(s) price, total, merchant URL, etc.) can be presented on the Electronic Media or Print media, without requiring a transaction-specific OMRI 200 or the product code data 3 to be generated "on the fly.”
- Step 1 The Consumer 18 can select item(s) to be purchased on a merchant website or in a store.
- Step 2 The Consumer 18 can select “checkout” (or the equivalent there of) or go to the cashier.
- Step 3 The merchant interface 8 on the merchant device 17 can be sent the "shopping cart" information (or in the case of a POS transaction, the cash register information) and optionally generate an OMRI 200 or the product code data 3 containing or otherwise referenced (e.g. indexed to) the particulars of the purchase (e.g., transaction amount, taxes, etc.) and information about the merchant 16 (e.g., merchant identifier(s), merchant authentication credentials, etc.) or otherwise generate a payment request for transmission to the transaction interface 15, including the consumer code data 3.
- the product code data 3 containing or otherwise referenced (e.g. indexed to) the particulars of the purchase (e.g., transaction amount, taxes, etc.) and information about the merchant 16 (e.g., merchant identifier(s), merchant authentication credentials, etc.) or otherwise generate a payment request for transmission to the transaction interface 15, including the consumer code data 3.
- the OMRI 200 or the product code data 3 can be displayed either on a computer screen (not specifically shown in Fig. 1) or, in the case of a POS transaction, the display of the merchant POS Terminal or merchant device 17.
- Step 5 the Consumer 18 can launch the mobile application 113 on his/her mobile device 520 and scan the OMRI 200 or otherwise take note or enter the product code data 3.
- the mobile application 113 can read the OMRI 200 and decode the data encoded in the OMRI 200 in order to extract the merchant data 208 (such as merchant ID, transaction ID, amount of purchase and any other pertinent information, etc.).
- the product code data 3 this can be interpreted using a lookup table 63 available to the application 113 or can be sent to the transaction service 20 (e.g. via the merchant interface 8) for interpretation by the transaction service 20 using the lookup table 63 available to the transaction service 20.
- Step 7 The mobile application 113 can open a secure encrypted communications channel with the transaction interface 15 (the transaction interface 15 running on transaction server 6) via the Internet 11 or other intermediary communications network, in terms of informing the transaction interface 15 of the purchase transaction 5 (e.g. send the payment request itself).
- the transaction interface 15 can send a transaction 5 confirmation/authorization message to the mobile device 12, as identified via the consumer code data 3 retrieved from the payment request received by transaction interface 15 from the merchant interface 17. All further communication with the transaction interface 15 can be via this secure channel.
- Step 8 The mobile application 113 can authenticate itself with the transaction interface 15 using previously agreed upon and configured credentials that tie the mobile device 12 to an individual consumer 18, for example where the device data (or consumer code data 3) of the consumer data 211 is matched to device data stored in the consumer profile 117 stored in the storage 110 of the transaction interface 15.
- Step 9 The transaction interface 15 can validate the authentication credentials of the mobile application 113 against a database 117 of known
- Step 10 Upon successful authentication, the mobile application 113 can optionally pass the scanned OMRI 200 data (for example containing at least a portion of the original symbology information 204 - encoded information of the scanned ORMI 200) or the product code data 3 to the transaction interface 15 as part of the purchasing process.
- Step 11 The transaction interface 15 can validate the OMRI 200 data or the product code data 3 for correctness (e.g., merchant information, transaction amounts, etc.), retrieve the merchant information (e.g. via decoding for the ORMI 200, using the product code data 3 to lookup the information 61 resident in the table 63, etc.) and begin a new purchase transaction 5.
- the OMRI 200 may be encoded with unique information that is only relevant to the transaction interface 15, such as for example, a unique merchant ID identifying the merchant 16 and said merchant's profile 117 on the transaction server 6.
- the merchant profile 117 may contain ail relevant information pertaining to the merchant 16 including but not limited to: secure connection instructions, merchant inventory list, address, contact information, merchant account information, passwords, access instructions, merchant
- the product code data 3 may be referenced to unique information in the table 63 that is only relevant to the transaction interface 15, such as for example, a unique merchant ID identifying the merchant 16 and said merchant's profile 117 on the transaction server 6.
- the merchant profile 117 (as referenced via the table 63) may contain all relevant information pertaining to the merchant 16 including but not limited to: secure connection instructions, merchant inventory list, address, contact information, merchant account information, passwords, access instructions, merchant implementation specifics, policies and procedures pertaining to the merchant 16.
- the transaction interface 15 can look up the available payment methods for the Consumer 18 associated with the account/subaccount assigned to the consumer code data 3 and return this along with the transaction 5 details to the mobile application 3.
- the available methods will depend on options available to the particular Consumer 18 as per defined in the account/subaccount information 61 ,61a.
- Typical payment methods include but are not limited to: E-wallet, coupon, gift-card, debit and credit card. Additional limitations on the options can be imposed based on funds available for each of the configured methods, currency, transaction amount or other parameters.
- the funds available to the Consumer 18 can be altered based on pre-defined properties of the coupon or gift-card. For example, a gift-card for Merchant X entered in the Consumer's account 72 on the Payment Platform 14 could only increase the funds available to the Consumer 18 when a purchase is being made at Merchant X.
- Step 13 The mobile application 113 can display (e.g. output data 217) a summary of the transaction 5 to be completed (e.g., amounts, quantities, merchant identity, etc.) on the Consumer's mobile device 12.
- a summary of the transaction 5 to be completed e.g., amounts, quantities, merchant identity, etc.
- Step 14 additional input fields may be presented to the Consumer 18 by the mobile application 113.
- additional input fields may be presented to the Consumer 18 by the mobile application 113.
- the mobile application 113 For example, in the case of a restaurant or taxi purchase there will typically be the desire to allow the Consumer 18 to add an additional "tip" to the total transaction 5 amount (e.g. as input data 215).
- Step 15 The mobile application 113 can display the payment methods available to the Consumer 18 along with the transaction 5 details from step 13 and, if applicable, step 14.
- Step 16 The Consumer 18 can select his/her preferred payment method and/orprovide any additional payment authentication data, such as a PIN or password.
- Step 17 The mobile application 113 can communicate with the
- Payment Platform e.g. transaction processing system 14
- the transaction interface 5 to authenticate the Consumer 8 and to process the payment.
- Step 18 Upon successful authentication of the PIN, the Payment Platform (e.g. transaction processing system 14) can then perform the requested financial transactions 5 to charge the amount of the transaction to the Consumer's Payment Account 72 and credit that amount to the merchant's account 70.
- the Payment Platform e.g. transaction processing system 14
- the Payment Platform can then perform the requested financial transactions 5 to charge the amount of the transaction to the Consumer's Payment Account 72 and credit that amount to the merchant's account 70.
- Step 19 Upon successful completion of the transaction, the mobile application 113 can prompt the Consumer 18 to send Order Form Data to the merchant 16 in situations where it may be required (e.g., to provide a shipping address for hard goods).
- Step 20 The Consumer can select "YES" and the mobile application 113 instructs the transaction interface 15 to send the Order Form Data to a Mobile Payment Application interface 8 running on the Merchant Transaction Server 17.
- Step 21 The transaction interface 15 can notify the merchant interface 8 on the merchant POS Terminal 17 of Transaction 5 completion by transmitting the Transaction information in a confirmation message, including but not limited to the following:
- the Transaction 5 information is described herein as being transmitted via the merchant interface 8 on the merchant POS Terminal 17, it should be appreciated that this can also be transmitted indirectly to the merchant interface 8 on the merchant POS Terminal 17, i.e., the Transaction 5 information may be transmitted to the Merchant Transaction Server 17, to be passed on to the merchant interface 8 and thereby to the POS terminal adjacent to the consumer 18.
- the transaction interface 15 can also notify the mobile application 113 with the same or similar transaction 5 information as was transmitted to the merchant 16 (step 21).
- Step 23 The transaction interface 15 can notify the Consumer 18 of Transaction 5 completion and e-mail a receipt to the Consumer's registered e-mail address. In the case of a POS transaction 5, a paper receipt can be given to the Consumer 18. The Transaction 5 is now complete.
- the transaction service 20 can also be similarly utilized to facilitate purchases of items from Electronic Media, Print Media and other "static" applications.
- a pre-encoded OMRI 200 that contains information that is specific to the transaction (e.g., merchant ID, merchant name, product(s) name, product(s) price, total, merchant URL, etc.) can be presented on such Electronic Media or Print Media for scanning by the Consumer's mobile device.
- the steps for this alternative embodiment would be largely identical to those described in the exemplary method above, except that steps 1-4 above would be substituted by:
- Step 1 A pre- encoded OMRI 200 or the product code data 3 containing or otherwise referenced to information specific to a Transaction (e.g., merchant ID, merchant name, product(s) name, product(s) price, total, merchant URL, etc.) can be presented on Electronic Media or Print Media for scanning by the Consumer's mobile device 12 or otherwise for data entry via the user interface of the device 12 (e.g. text entry).
- a Transaction e.g., merchant ID, merchant name, product(s) name, product(s) price, total, merchant URL, etc.
- Electronic Media or Print Media for scanning by the Consumer's mobile device 12 or otherwise for data entry via the user interface of the device 12 (e.g. text entry).
- step 21 would be modified as follows:
- Step 21 The transaction interface 15 may notify the merchant interface 8 on the Merchant Transaction Server 17 of Transaction 5 completion by
- the transaction service 20 can have the transaction interface 15 including the transaction processing system 80 and the optional OMRI or the product code data 3 processing system 90, such that the processing system 90 generates the OMRI 200 or the product code data 3 for the merchant 16 (or directly for the consumer 18) and the transaction processing system 80 interacts with the merchant 16 and the consumer 18 to process the transaction 5 there-between upon receipt of the transaction payment request from the merchant 16 (or consumer 18), for example containing some or all of the information associated with the OMRI 200 or the product code data 3 (and/or information obtained from the OMRI 200 or the product code data 3 from the transaction application 113 provisioned on the computer device 12) from the consumer 18.
- the merchant interface 8 can also have a transaction processing system 80 and a processing system 90 with similar or differing (e.g. complimentary) functionality to that of the systems 80,90 of the transaction interface 15.
- any functionality related to OMRI or the product code data 3 generation can be implemented by the processing system 80 and any transaction processing related functionality can be implemented by the system 90,
- the processing system 80 has a registration module 60 for via registration messages 82 (via network 11 with the devices 12,17) with the consumer 18 and the merchant 16: registering merchants 16 for interaction with the transaction service 20 and creates a merchant profile (e.g. merchant registration details 117 that can include stored merchant data 208); registering consumers 18 for interaction with the transaction service 20 and creates a consumer profile including details of the main account information 61 as well as any
- subaccount information 61a for one or more subaccount holders of the main account holder (e.g. consumer registration details 117 that can include stored consumer data 21 ). Also included is a network communication module 40,50 for communicating network messages 13 (and other specific network messages as provided below) between the computer device 2 and the interfaces 8, 5 and between the interfaces 8,15, for example.
- the network messages 13, in general, provide for communication of unencoded merchant, consumer, and product information 201 , symbology
- the table 63 containing information 61 ,61a that is indexed or otherwise cross-referenced to the product code data 3 and/or the consumer code data 3, confirmation information denoting whether the transaction 5 has been successfully processed by the interfaces 8,15 and/or the transaction processing system 4, transaction request messages from the computer device 12 requesting processing of the transaction 5 (including information 201 decoded from the OMRI 200 or otherwise obtained from the product code data 3 and/or symbology information 204 in or otherwise from the OMRI 200 in unencoded form), and any other network message described herein related to request and response messages for transaction 5 processing based on the original electronic transaction payment request received by the transaction interface 15.
- a transaction generation module 30 configured to collect the various information 201 (e.g. product data 206, merchant data 208, transfer or transaction data 210, consumer data 211 , and/or transaction or merchant identifier data 203) for conversion into the symbology information 204 by the system 90 or otherwise insertion into the table 63 as information 61 ,61a that is then indexed or otherwise cross-referenced to the product code data 3 or the consumer code data 3.
- a presentment module 33 for configuring the generated OMRI 200 or the product code data 3 for display on a display and/or for printing on a physical medium (or audibly presenting the product code data 3).
- a transaction processing module 65 for coordinating funds transfer instructions between financial accounts 70,72 settled by the transaction processing system 14, using network messages 54,56.
- a transaction request module 34 which can be configured to generate a transaction 5 request to the transaction service 20 including decoded information of the OMRI 200 or the product code data 3 where appropriate, as well as including any consumer code data 3 received from the consumer 18.
- the system 90 can have a generation module 32,62 that uses an encoder 20 to encode the obtained unencoded merchant and product information 201 , optionally the identifier data 203, as well as any other of the product data 206, merchant data 208, transaction data 210, consumer data 211 , into the symbology information 204 for inclusion in the generated OMRI 200, for subsequent delivery to the consumer environment 4 (e.g. via the merchant 16) and/or directly to the consumer 18.
- the generation module 32,62 can insert into the table 63 the information 61 that is then indexed or otherwise cross- referenced to the product code data 3 (e.g.
- a transaction module 34 and/or decoder module 66 that uses a decoder 119 to decode the obtained symbology information 204 from the received OMRI 200 into merchant and product information 201 , optionally the identifier data 203, as well as any other of the product data 206, merchant data 208, transaction data 210, consumer data 211.
- the transaction module 34 and/or decoder module 66 can use the product code data 3 to access the lookup table 63 and obtain the information 61 that is mapped to the product code data 3 in the table.
- a transaction type module 68 that is configured to select the appropriate workflow instructions 218, input data 215 and output data 217 required by the transaction 5 associated with the identifier 203 obtained from the OMRI symbology information 204 or the product code data 3. Based on the appropriate workflow instructions 218, input data 215 and output data 217
- the transaction type module 68 provides the content (or processes the expected content) of the network messages 13 in interaction between the computer devices 6,12,17.
- each computer device 12 can be a wireless- enabled (e.g. WiFi, WAN, etc.) personal data assistant, or email-enabled wireless telephone, or a desktop computer terminal.
- the wireless communications are not limited to only facilitating transmission of text data (e.g. encrypted) and can therefore be used to transmit image data, audio data or multimedia data, for example, as desired.
- the computer device 12 comprises a
- the network interface 102 can include one or more antennas for wireless communication over the communications network 11.
- the user interface 104 comprises a data entry device (such as keyboard, microphone or writing tablet), and a display device (such as an LCD display).
- the display screen of the user interface 104 can be used to visually present a graphical user interface (GUI) of the transaction application 113 to the user, including results of the OMRI 200 image capture process and processing.
- GUI graphical user interface
- the display screen can employ a touch screen display, in which case the user can manipulate (i.e. enter and/or modify/delete) transaction 5 information (e.g.
- product data 206, merchant data 208, consumer data 211 and/or transaction data 210) obtained as textual information 201 from the decoded OMRI 200 or the product code data 3 and/or as supplemental information (e.g. merchant data 208, consumer data 211) added to the textual information 201 in order to generate the transaction request 64 Network message 13).
- supplemental information e.g. merchant data 208, consumer data 211
- the data processing system 106 includes a central processing unit (CPU) 108, otherwise referred to as a computer processor, and a non-volatile memory storage device (e.g. DISC) 110 (such as a magnetic disc memory or electronic memory) and a read/write memory (RAM) 112 both in communication with the CPU 108.
- the memory 110 includes data which, when loaded into the RAM, comprise processor instructions for the CPU 108 which define memory objects for allowing the computer device12 to communicate with one another and the
- the processor instructions for the CPU 108 will be discussed in greater detail below.
- the CPU 108 is configured for execution of the transaction application 113 (including for example some or all of the system 80,90 functionality) for facilitating communication between the computer device 17 and the computer device 6 of the transaction service 20.
- the transaction application 113 is used to coordinate, as implemented by the CPU 108, the generation, receipt, and processing of the OMRI 200 and the transaction 5 messages 13.
- the transaction application 113 can operate the imager 118 and the encoder/decoder 119,120.
- the CPU 108 facilitates performance of the computer device 12 configured for the intended task (e.g. of the respective module(s) of the transaction application 113) through operation of the network interface 102, the user interface 104 and other application programs/hardware (e.g. web browser made available to the transaction application 113) of the computer device 12 by executing task related instructions.
- task related instructions can be provided by an operating system, and/or software applications located in memory, and/or by operability that is configured into the electronic/digital circuitry of the processor(s) 108 designed to perform the specific task(s), including operation of the modules associated with the functionality of the systems 80,90. Further, it is recognized that the device
- infrastructure 106 can include a computer readable storage medium 110 coupled to the processor 108 for providing instructions to the processor 108 and/or to
- the computer readable medium 110 can include hardware and/or software such as, by way of example only, memory cards such as flash memory or other solid-state memory.
- the computer device12 can include the executable applications comprising code or machine readable instructions for implementing predetermined functions/operations including those of an operating system, the imager 118, the decoder 119, the encoder 120 and the transaction application 113, and the browser, for example.
- the processor 108 as used herein is a configured device and/or set of machine-readable instructions for performing operations as described by example above, including those operations as performed by any or all of the imager 118, the decoder 119, the encoder 120 and the
- the processor 108 may comprise any one or combination of, hardware, firmware, and/or software.
- the processor 108 acts upon information by manipulating, analyzing, modifying, converting or transmitting information for use by an executable procedure or an information device, and/or by routing the information with respect to an output device.
- the processor 108 may use or comprise the capabilities of a controller or microprocessor, for example.
- the data processing system 106 includes the imager 118 (e.g. a camera including an image sensor - e.g. CCD or CMOS sensor) suitable for capturing images of the OMRI 200 or the product code data 3 displayed or otherwise presented by the merchant 16 within range of the imager 118 or the consumer 18.
- the transaction application 113 is configured to control the operation of the imager 118 to capture the image of the OMRI 200, as well as to operate the decoder 119 to provide for decoding at least a portion of the symbology information 204 into textual information 201 , if so configured, for subsequent use in generating the
- the storage 110 can also contain the customized coding interpretation scheme 209 for use in decoding/encoding the OMRI 200.
- the device 12 can include executable applications comprising code or machine readable instructions for implementing predetermined functions/operations including those of an operating system and the modules associated with any of the functionality of the systems 80,90 for example.
- the device 6 can be a wireless-enabled (e.g. WiFi, WAN, etc.) personal data assistant, or email-enabled wireless telephone, for example a tablet.
- the wireless communications are not limited to only facilitating transmission of text data (e.g. encrypted) and can therefore be used to transmit image data, audio data or multimedia data, for example, as desired.
- the device 6 is a network server, for example.
- the device 6 can comprise a communication network interface 102, a user interface 104, and a data processing system 106 in communication with the network interface 102 and the user interface 104.
- the network interface 102 can include one or more antennas for wireless communication over the communications network 11.
- the user interface 104 can comprise a data entry device (such as keyboard, microphone or writing tablet), and a display device (such as an LCD display).
- the data processing system 106 includes a central processing unit (CPU) 108, otherwise referred to as a computer processor, and a non-volatile or volatile memory storage device (e.g. DISC) 110 (such as a magnetic disc memory or electronic memory) and a read/write memory (RAM) 112 both in communication with the CPU 108.
- the memory 110 includes data which, when loaded into the RAM, comprise processor instructions for the CPU 08 which define memory objects for allowing the device 6 to communicate with the computer devices 17,12 and the transaction processing system 14 (e.g. one or more processing servers) over the communications network 11.
- the instructions can be used to provide or otherwise host the transaction interface 15 as a website running on the computer device 6 and accessed via the network 11.
- the CPU 108 is configured for execution of the transaction interface 15 for facilitating communication with the transaction processing system 14 and the computer devices 17,12.
- the transaction interface 15 is used to coordinate, as implemented by the CPU 108, the generation, receipt, and processing of the textual information 201 and the symbology information 204 of the OMRI 200 and use of the product code data 3 to access the lookup table 63, as well as coordinating the settlement of funds transfer of the transaction 5, if any, between the specified accounts 70,72.
- the CPU 108 facilitates performance of the device 6 configured for the intended task (e.g. of the respective module(s) of the transaction interface 15) through operation of the network interface 102, the user interface 104 and other application programs/hardware (e.g. web service made available through the transaction interface 15) of the device 6 by executing task related instructions.
- the intended task e.g. of the respective module(s) of the transaction interface 15
- other application programs/hardware e.g. web service made available through the transaction interface 15
- the device infrastructure 106 can include the computer readable storage medium 110 coupled to the processor 108 for providing instructions to the processor 108 and/or to load/update the instructions.
- the computer readable medium 110 can include hardware and/or software such as, by way of example only, memory cards such as flash memory or other solid-state memory.
- the storage 110 can also contain the customized coding interpretation scheme 209 for use in encoding and/or decoding the OMRI 200, as well as interpretation of the product code data 3 via the lookup table 63.
- the device 6 can include the executable applications comprising code or machine readable instructions for implementing predetermined functions/operations including those of an operating system and the modules associated with any of the functionality of the systems 80,90 for example.
- the processor 108 as used herein is a configured device and/or set of machine- readable instructions for performing operations as described by example above, including those operations as performed by any or all of the modules associated with any of the functionality of the systems 80,90.
- the processor 108 may comprise any one or combination of, hardware, firmware, and/or software.
- the processor 108 acts upon information by manipulating, analyzing, modifying, converting or transmitting information for use by an executable procedure or an information device in relation to transaction 5 processing, and/or by routing the information with respect to an output device.
- the processor 108 may use or comprise the capabilities of a controller or microprocessor, for example.
- the device 17 can be a wireless-enabled (e.g. WiFi, WAN, etc.) personal data assistant, or email-enabled wireless telephone, for example a tablet.
- the wireless communications are not limited to only facilitating transmission of text data (e.g. encrypted) and can therefore be used to transmit image data, audio data or multimedia data, for example, as desired.
- the device 17 can also be a network server or an association of computer devices such as a POS terminal, both wired and wireless.
- the device 17 can comprise a communication network interface 102, a user interface 104, and a data processing system 106 in communication with the network interface 102 and the user interface 104.
- the network interface 102 can include one or more antennas for wireless communication over the communications network 11.
- the user interface 104 can comprise a data entry device (such as keyboard, microphone or writing tablet), and a display device (such as an LCD display).
- the data processing system 106 includes a central processing unit (CPU) 08, otherwise referred to as a computer processor, and a non-volatile or volatile memory storage device (e.g. DISC) 110 (such as a magnetic disc memory or electronic memory) and a read/write memory (RAM) 112 both in communication with the CPU 108.
- the memory 110 includes data which, when loaded into the RAM, comprise processor instructions for the CPU 108 which define memory objects for allowing the device 6 to communicate with the computer devices 6,12 over the communications network 11.
- the instructions can be used to provide or otherwise host the merchant interface 8 as a website running on the computer device 17 and accessed via the network 11.
- the CPU 108 is configured for execution of the merchant interface 8 for facilitating communication with the computer devices 6,12.
- the merchant interface 8 is used to coordinate, as implemented by the CPU 108, the generation, receipt, and processing of the textual information 201 and the symbology information 204 of the OMRI 200, interpretation or other processing and/or transmission or retransmission of the product code data 3, as well as coordinating the transfer of data 206,208,210,211 ,203 or data 3 via network messages 3 between the devices 6,12,17.
- the CPU 108 facilitates performance of the device 17 configured for the intended task (e.g. of the respective module(s) of the merchant interface 8) through operation of the network interface 102, the user interface 104 and other application programs/hardware (e.g. web service made available through the merchant interface 8) of the device 17 by executing task related instructions.
- task related instructions can be provided by an operating system, and/or software applications located in memory, and/or by operability that is configured into the electronic/digital circuitry of the processor(s) 108 designed to perform the specific task(s).
- the device infrastructure 106 can include the computer readable storage medium 110 coupled to the processor 108 for providing instructions to the processor 108 and/or to load/update the instructions.
- the computer readable medium 110 can include hardware and/or software such as, by way of example only, memory cards such as flash memory or other solid-state memory.
- the storage 110 can also contain the customized coding interpretation scheme 209 for use in encoding and/or decoding the OMRI 200 or otherwise interpreting the product code data 3 or otherwise receiving the consumer code data 3 and using same in generation of the transaction payment request for sending to the transaction interface 15.
- the device 17 can include the executable applications comprising code or machine readable instructions for implementing predetermined functions/operations including those of an operating system and the modules associated with any of the functionality of the systems 80,90 for example.
- the processor 108 as used herein is a configured device and/or set of machine- readable instructions for performing operations as described by example above, including those operations as performed by any or all of the modules associated with any of the functionality of the systems 80,90.
- the processor 108 may comprise any one or combination of, hardware, firmware, and/or software.
- the processor 108 acts upon information by manipulating, analyzing, modifying, converting or transmitting information for use by an executable procedure or an information device in relation to transaction 5 processing, and/or by routing the information with respect to an output device.
- the processor 108 may use or comprise the capabilities of a controller or microprocessor, for example.
- the merchant interface 8 can be configured as a thick client of the generation capabilities (generation module 62) of the transaction service 20, such that the merchant interface 8 is provisioned with transaction and/or processing functionality similar to (or at least a portion of) that functionality of the transaction processing system 80 and/or processing system 90 as described above for the transaction service 20 and below as further examples of the system 80,90
- the thick client version of the merchant interface 8 could be configured to perform some of the processing on behalf of or otherwise in substitution of any of the processing functionality of the processing/generation system implemented by the transaction service 20 during processing of the transaction 5. It is also recognized that the thick client version of the merchant interface 8 could also be configured to communicate over the network 11 via a series of web pages as generated or otherwise received by the merchant interface 8, sent as network messages between the computer device 17 and the transaction service 20. It is also recognized that the merchant interface 8 could request or otherwise obtain the OMRI 200 pertaining to the transaction 5 directly from the transaction service 20, i.e. operating as a thin client of the transaction service 20, rather than directly generating the OMRI 200 or the product code data 3 using systems of the merchant interface 8 itself. In either case, the following description of the module 62 can be representative of the generation capabilities of the module 62 of the merchant interface 8 and/or of the module 62 of the transaction service 20, as desired.
- the merchant interface 8 can include a network communications module 50 for receiving order request messages from the computer device 12 and for sending order response messages to the computer device 12 over a communication network 11.
- the communication network 11 can be a one or more networks, for example such as but not limited to: the Internet; an extranet; and/or an intranet. Further, the communication network 11 can be a wired or wireless network. It is also recognized that network messages can be communicated between the computer device 12 and the network communications module 50 via short range wireless communication protocols such as but not limited to Bluetooth TM, infrared (IR), radio frequency (RF), near field communication (NFC) and other protocols as desired.
- short range wireless communication protocols such as but not limited to Bluetooth TM, infrared (IR), radio frequency (RF), near field communication (NFC) and other protocols as desired.
- the network communications module 50 can also be configured to send and receive order confirmation messages over the communications network 11 with respect to the payment transaction interface 15.
- a database 110 containing product data 206 (e.g. product pricing, product descriptions, product availability, etc.), merchant data 208 (e.g. merchant bank account number, a unique merchant reference ID of the merchant assigned by the transaction interface 5, tax or merchant business registration details), and network 11 address information of the transaction interface 15.
- product data 206 e.g. product pricing, product descriptions, product availability, etc.
- merchant data 208 e.g. merchant bank account number, a unique merchant reference ID of the merchant assigned by the transaction interface 5, tax or merchant business registration details
- the database 110 can also have customized OMRI definitions of a customized coding scheme 209 containing relationships (e.g. rules) between machine readable symbology and codewords used to encode (or decode) invoice information during generation of the OMRI 200 or the product code data 3 used to represent the transaction 5.
- the customized coding scheme 209 can be used to encode (i.e. translate) unencoded (e.g. text based) information 201 of the
- the customized coding scheme 209 can also be used to decode (i.e. interpret) symbology information 204 present in the OMRI 200 into unencoded information 201 of the transaction 5 during processing of the OMRI 200 (e.g. by the computer device 2 and/or the transaction interface 5). It is recognized that the customized coding scheme 209 is known to the transaction interface 15 (e.g. by its OMRI generation module 62) and can include customized code words pertaining to specific invoice information such as but not limited to: merchant ID, consumer ID; invoice amounts; invoice number; etc.
- processing of the product code data 3 can be done by accessing the lookup table 63 of the transaction service 20 and/or a local lookup table 63 resident or otherwise accessible external to the transaction service 20.
- the merchant interface 8 also has an order generation module 60 used to collect the transaction 5 data (e.g. product data 206, merchant data 208, consumer data 209 and/or transaction data 210 as well as consumer code data 3 - see Figure 3) for the plurality of products ordered/selected by the consumer 18 during interaction (e.g. online) with the merchant interface 8 via the computer device 12 (e.g. over the communications network 11).
- product data 206 and some of the consumer data 211 of the transaction 5, such as specific products ordered and quantity of each product, could be provided to the order generation module 60 obtained from order request messages (e.g. via the network communications module 50). Further, the order generation module 60 would collect (or otherwise receive) the merchant data 208 for the transaction 5 from the database 110 as well as pricing information (e.g. product data 206) of the ordered products. The order generation module 60 also generates the transaction data 210 pertaining to product pricing total (optionally including applicable taxes) that includes the total invoice amount owed by the consumer and merchant identification information (associated with or otherwise embodying the merchant bank account information) of the transaction 5. For example, in terms of the merchant bank account information, this could be supplied as part of the merchant information included in the transaction 5 data or this could be supplied as a merchant
- identification information e.g. merchant ID
- the transaction interface 15 uses identification information to lookup the actual merchant bank account information known to the transaction interface 15 and therefore abstracted from the consumer 18.
- the merchant interface 8 has the module 62 that can be configured to use the available transaction 5 data and the customized coding scheme 209 to optionally generate the OMRI 200 or optionally populate the lookup table 63 in the case of the product code data 3. It is recognized that the OMRI 200 or the product code data 3 can be generated by the module 62 to contain data of the transaction 5 pertaining to the product(s) chosen by the consumer 18, including payment transaction data needed by the processing system 14 or transaction interface 15 to settle the transaction (associated with the transaction 5 data), including optionally transferring funds from a specified account of the consumer 18 to a specified account of the merchant 16. In this example, it is envisioned that the merchant 16 would preregister with the transaction interface 15 and be provided with a merchant ID that is associated with the merchant's actual account information 117 (and any other sensitive merchant information) stored in a secure database 110 of the transaction interface 15.
- the OMRI module 62 can be configured to not generate some or all of the OMRI 200 or the product code data 3, rather send via request messages the relevant data of the transaction 5 (as collected by the order generation module 60) to the transaction interface 15.
- the merchant interface 8 would receive via the response messages the generated OMRI 200 or the product code data 3, for subsequent use in providing the OMRI 200 or the product code data 3 to the consumer 18.
- the OMRI module 62 of the transaction interface 15 is the entity that generates the OMRI 200 or the product code data 3 upon request of the merchant interface 8.
- the merchant interface 8 can also optionally have a presentment module 63, used by the merchant 16 to physically and/or electronically display the OMRI 200 or the product code data 3 (e.g. audibly in the case of the product code data 3) to the consumer 18, for example when ordering and payment of the merchant products are occurring at the point of sale (POS).
- the POS is defined as a checkout location where the order transaction is initiated and confirmation of transaction acceptance or rejection is received, such that the merchant 16 is the business (bricks and mortar store or service) that takes payment from the consumer 18 for the merchant's products. Therefore, it should be recognized that the merchant interface 8 of the POS system can defined to include (or otherwise be associated with - e.g.
- the presentment module 63 can be configured to provide instructions to a printer for physically printing the OMRI 200 or the product code data 3 and/or can be configured to provide instructions to an electronic display for displaying the OMRI 200 or the product code data 3.
- the OMRI presentment module 63 is configured to present the OMRI 200 or the product code data 3 to the consumer 18 for subsequent image capture (of the OMRI 200) or data capture (e.g. text entry input via the user interface) of the product code data 3 using the consumer's computer device 12 (i.e. mobile device).
- One example of the customized coding interpretation scheme 209 for barcodes is a modified UPC (Universal Product Code) to include invoice specific data.
- UPC Universal Product Code
- QR modified QR scheme
- the numbers and/or letters (e.g. ASCII -American Standard Code for Information Interchange) stored in the symbology information 204 of the OMRI 200 are unique identifiers representing the particular standard code and custom code (representing invoice specific data) defined in the customized coding scheme 209 that, when read by a OMRI decoder, can be used to look up additional information about the invoice item associated with the OMRI 200. For example, the price, and optional description, of the product would be encoded in the OMRI 200 using the symbology information 204.
- the OMRI module 62 can take the payment data and use the codes and associated rules of the customized coding interpretation scheme 209 to convert a piece of the unencoded information 201 (for example, a letter, word, phrase, etc.) of the transaction 5 data into another form or representation (one sign into another sign), not necessarily of the same type, i.e. the symbology information 204.
- encoding is the process by which information 201 of the transaction 5 is converted into symbols (of the symbol format 204 defined by the customized coding scheme 209) to be communicated.
- Decoding is the reverse process, converting these code symbols 204 back into unencoded information 201 understandable by a receiver.
- the symbology information 204 generated from the unencoded information 201 of the transaction 5 data is used by the OMRI generation module 62 to construct the OMRI 200, according to the customized coding scheme 209.
- This OMRI 200 is made available to the network communications module 50 to be sent in the order response message (for example) to the computer device 12 (e.g. displayed on a browser screen of the user interface 104 of the computer device 12 - see Figure 5, delivered as an image file in the network message, etc.). It is recognized that the OMRI 200 represents symbolically the unencoded data 201 of the
- the transaction 5 is used by the consumer 18 and the merchant 16 to define what has been purchased, when, by whom, from whom, and how much money has been spent on what.
- the OMRI 200 can be generated to include the symbology information 204 as product information 201 for two or more products (for example) as the transaction 5, such that the symbology information 204 of the OMRI 200 encodes information 201 of product data 206, merchant data 208, consumer data 211 and/or transaction data 210 of the payment transaction 5. Therefore, the OMRI 200 can represent at least part of the payment transaction 5, using the symbology information 204, defined as a
- the transaction 5 can be represented as a traditional electronic transaction payment request as noted above.
- the payment transaction 5 could include the consumer code data 3 for use by transaction interface 15 in identifying which consumer 18 account (or subaccount) information 61 ,61a is to be used in processing the payment transaction 5.
- the payment transaction 5 can indicate the consumer 18 must pay the merchant 16, according to any payment terms contained in the payment transaction 5.
- the payment transaction 5 in a rental or professional services context could also include a specific reference to the duration of the time being billed, so rather than quantity, price and cost, the invoicing amount can be based on quantity, price, cost and duration.
- the rental/services payment transaction 5 can refer to the actual time( e.g. hours, days, weeks, months, etc.) being billed.
- the payment transaction 5 can be regarded as a sales invoice. From the point of view of the consumer 18, the payment transaction 5 can be regarded as a purchase invoice.
- the payment transaction 5 can identify both the consumer 18 and the merchant 16, but the term "invoice" generally refers to the fact that money is owed or owing between the merchant 16 and consumer 18.
- the product data 206 of the symbology information 204 can include for each product, information such as but not limited to: a product identifier (e.g. product number or code - such as a UPC code), a product purchase price (e.g. unit price of the product), a quantity number of the product (e.g. the number 2 in the case where two of the same product in the purchase order); and/or a description of the product.
- the merchant data 208 of the symbology information 204 can include information such as but not limited to: name and contact details of the merchant; a bank account number of the merchant; a unique merchant reference ID of the merchant assigned by the processing system 14; location of the merchant retail location; tax or merchant registration details (e.g.
- the transaction data 210 of the symbology information 204 can include information such as but not limited to: a unique reference number (for use in tracking correspondence associated with the transaction 5); date of the transaction; tax payments as a percentage of the purchase price of the each of the products (e.g. GST or VAT); date (e.g. approximate) that the products were (or are to be) sent or delivered;
- purchase order number (or similar tracking numbers requested by the consumer 18 to be mentioned on the transaction 5); total amount charged (optionally with breakdown of taxes) for the product(s); payment terms (including method of payment, date of payment, and/or details about charges for late payment);
- the symbology information 204 can include the consumer code data 3. It is recognized that the data 206,208,210,211 of the symbology information 204 is also represented in at least whole or in part in the unencoded information 201. In this manner, what symbology information 204 in the OMRI 200 can be decoded (e.g. by the computer device 12 and/or the transaction interface 15) into the information 201 , and the information 201 can be encoded (by the transaction interface 15) into the symbology information 204.
- this data of the symbology information 204 can include information such as but not limited to: a reference code (consumer code data 3) to be passed along the transaction identifying the payer (e.g. consumer 18); name and contact details (e.g. address) of the consumer 18; and/or an account number (e.g. a bank account number, a credit card number, a debit card number of the consumer 18) identifying the source of funds to be used to pay for the products. It is recognized that the account number identifying the consumer 8 source of funds to be used to pay for the products, instead of being encoded in the symbology 204, can be supplied by the consumer 18 using the user interface 104 of the consumer computer device, as further described below.
- a reference code consistumer code data 3
- name and contact details e.g. address
- an account number e.g. a bank account number, a credit card number, a debit card number of the consumer 18
- the customized coding scheme 209 contains code words and rules for use in translating (i.e. encoding, decoding) between the symbology information 204 of the OMRI 200 and the unencoded information 201 of the transaction 5.
- the transaction application 113 can include a plurality of OMRI 200 or the product code data 3 related processing functionality, a plurality of transaction processing functionality and/or client functionality configured for network 11 communication with a transaction interface 15 in a client-server relationship (in association with or in substitution of the systems 80,90 capabilities and functionalities.
- the transaction application 113 can be configured as a thin client of the transaction interface 15, such that the transaction application 3 is configured to interact with processing systems 80,90 of the transaction interface 15 via a series of web pages generated by the processing systems 80,90 of the transaction interface 15, sent via network messages and displayed on the user interface 104 of the computer 12.
- the transaction application 113 would interact with a web browser (or other network communication program) to send and receive the messages via the network 11 containing transaction 5 specific information, i.e. to display the web pages on the user interface 104 including output data for the transaction 5 and to coordinate the entry of input data on the user interface 04 and network transmission of the input data for the transaction 5.
- a web browser or other network communication program
- the transaction application 113 can be configured as a thick client of the transaction interface 15, such that the transaction application 113 is provisioned with transaction and/or OMRI or the product code data 3 processing functionality similar to (or at least a portion of) that functionality of the processing system 80 and/or generation system 90 of the transaction interface 15, as further described below.
- the thick client version of the transaction application 113 could be configured to perform some of the transaction or OMRI or the product code data 3 processing on behalf of or otherwise in substitution of any of the processing functionality of the processing system 80 and/or the generation system 90 implemented by the transaction interface 15 during processing of the transaction 5.
- the thick client version of the transaction application 113 could also be configured to communicate over the network 11 via a series of web pages as generated or otherwise received by the of the transaction interface 15, sent as network messages between the computer devices 6,12 and the transaction interface15.
- the transaction application 113 can be configured as a client application of the transaction service 20, is configured for generation (i.e. encoding) and presentment of the OMRI 200 or the product code data 3 to the transaction interface 15, and/or is configured for processing (i.e.
- the transaction application 113 is also configured to provide a graphical interface (on the user interface 104 - see Figure 5), for example, to facilitate entry of information for the merchant 16 as well as entry of the payment amount requested (e.g. via a transaction generation module 30).
- the transaction application 113 is also configured to provide a graphical interface, for example, to facilitate entry of consumer 18 information (e.g. consumer code data 3, as well as PIN or other consumer identification or payment authorization data).
- the transaction application 113 can include a network communications module 40 for communicating (e.g. sending or receiving) request messages between the computer devices 6,12 and for communicating (e.g. sending or receiving) messages between the computer devices 6,12 over the communications network 11.
- the network communications module 40 is also configured for sending a transaction request (e.g. a request containing the appropriate payment data of the request to allow to the transaction interface 15 to coordinate the payment processing and actual funds transfer between accounts 70,72) as well as receiving transaction confirmation messages from the transaction service 20 (containing information indicating that the appropriate account 70,72 has been credited or debited as the case warrants) and that the transaction 5 has been completed.
- a transaction request e.g. a request containing the appropriate payment data of the request to allow to the transaction interface 15 to coordinate the payment processing and actual funds transfer between accounts 70,72
- receiving transaction confirmation messages from the transaction service 20 (containing information indicating that the appropriate account 70,72 has been credited or debited as the case warrants) and that the transaction 5 has been completed.
- the confirmation message(s) received by the transaction application 113 could contain details of the payment processing including that the account was (or will be) credited/debited by the payment amount of the transaction 5, as well as any transaction data 210 (see Figure 4) identifying the transaction 5 (e.g. transfer ID, consumer ID, description of the products, etc.) for their accounting records. It is recognized that the transaction application 113 would could also receive
- confirmation message(s) containing details of the payment processing including that the account was (or will be) debited by the payment amount of the transaction 5, as well as any transaction data 210 identifying the transaction 5 (e.g. transfer ID, merchant ID, description of the products, etc.) for accounting records.
- the network communications module 40 can also be configured to send and receive the transaction confirmation messages over the communications network 11 with respect to the transaction service 20.
- a database 110 containing any optional product data 206 (e.g. product descriptions, product availability, etc.), data 208 (e.g. bank account number, a unique reference ID of the merchant assigned by the transaction service 20 (e.g. via the registration module 60 - see Figure 11), tax or merchant business registration details, and registration details 117 of the merchant), consumer data 211 (e.g. consumer bank account number, a unique consumer reference ID of the consumer assigned by the transaction service 20 (e.g.
- the transaction application 113 of the merchant 16 does not have access to sensitive consumer data 211 (e.g. PIN numbers and/or actual bank account numbers) and preferably the transaction application 113 of the consumer 18 does not have access to sensitive merchant data 208 (e.g. PIN numbers and/or actual bank account numbers).
- sensitive consumer data 211 e.g. PIN numbers and/or actual bank account numbers
- sensitive merchant data 208 e.g. PIN numbers and/or actual bank account numbers
- the database 110 can also have customized OMRI definitions of a customized coding scheme 209 containing relationships (e.g. rules) between machine readable symbology and code words used to encode (or decode) transaction 5 information during generation of the OMRI 200 used to represent the transaction 5.
- the customized coding scheme 209 can be used to encode (i.e. translate) information 201 (see Figure 4) of the transaction 5 into symbology information 204, performed during generation of the OMRI 200 (e.g. by the computer device 12 and/or the transaction service 20).
- the customized coding scheme 209 can also be used to decode (i.e.
- the customized coding scheme 209 can be known to the transaction service 20 and can include customized code words pertaining to specific funds information such as but not limited to: registration details 117 of the merchant and/or consumer, merchant ID, consumer ID; payment amounts;
- the transaction application 113 also has a transaction generation module 30 used to collect the transaction 5 data (e.g. product data 206, data 208, data 211 and/or transfer data 210) associated with the transaction 5 selected/entered by the consumer 18 during initiation of the transaction 5.
- the transaction generation module 30 could be provided to the transaction generation module 30 obtained from request messages (e.g. via the network communications module 40). Further, the
- transaction generation module 30 would collect (or otherwise receive) the data 208 for the transaction 5 from the database 110.
- the transaction generation module 30 also generates the transaction 5 data optionally including total payment amount owed (for example) by the consumer 18 and merchant identification information (associated with or otherwise embodying the merchant bank account information) of the transaction 5.
- merchant identification information associated with or otherwise embodying the merchant bank account information
- this could be supplied as part of the merchant information included in the transaction 5 data or this could be supplied as a merchant identification information (e.g.
- the transaction service 20 uses the transaction service 20 to lookup the actual merchant bank account information known to the transaction service 20 (e.g. via the registration module 60 - see Figure 10) and therefore abstracted from the consumer 18.
- the transaction generation module 30 could also be configured to provide to the user of the computer device 12 (via a presented graphical user interface on the user interface 104 of the computer device 12) the ability to select or otherwise enter the desired account (e.g. specifying a credit card number, a debit card number, or any other account information for use in accepting/paying the payment amount - for example the consumer code data 3 and/or any confirmation/authorization data associated with access to the financial account 72 associated with the main account and/or subaccount information
- the desired account e.g. specifying a credit card number, a debit card number, or any other account information for use in accepting/paying the payment amount - for example the consumer code data 3 and/or any confirmation/authorization data associated with access to the financial account 72 associated with the main account and/or subaccount information
- the transaction generation module 30 could also provide, via the graphical user interface, the ability of the consumer or merchant to enter their PIN (or other password information specific to accessing their assigned financial accounts 72 directly) associated with the specified account (or subaccount), thereby indicating that the user of the computer device 12 (or merchant device 17) at the time of generating the transaction and resultant OMRI 200 has the authority to authorize the transaction service 20 (e.g. via the transfer processing module 65) to coordinate transfer involving the specified account.
- the PIN, or other password information specific to accessing the selected financial accounts 72 directly can be considered as part of the data 211 included in the payment transaction transfer 5 data and included in the symbology information 204, either directly or otherwise abstracted during generation of the OMRI 200.
- the PIN or other password information would not be the actual PIN or password information made available to the financial institutions of the accounts 72, rather would be reference information used by the transaction service 20 (e.g. via the registration module 60) to look up the actual PIN or password information stored in the registration details 117 of the consumer 18 using the reference PIN or password provided by the consumer 18 during generation of the OMRI 200.
- PIN or password information is advantageous, in addition to any passwords required to access the computer device 12 in general (e.g. device login) and/or login to the transaction application 113 specifically, as the owner of the computer device 12 would not want any unauthorized access to their financial accounts to occur. It is also envisioned that the entered PIN or password
- the user of the computer device 12 may wish to have separate PINs or passwords associated with each account accessible through the transaction application 113 itself (e.g. selectable) and/or known to the transaction service 20 (e.g. via the registration module 60) via the registration details 117, in addition to a general login (including password) to the computer device 12 and/or payment application in general.
- PINs or passwords associated with each account accessible through the transaction application 113 itself (e.g. selectable) and/or known to the transaction service 20 (e.g. via the registration module 60) via the registration details 117, in addition to a general login (including password) to the computer device 12 and/or payment application in general.
- the transaction application 113 can also have a generation module 32, including an encoder 120, that is configured to use the available/collected
- the OMRI 200 or the product code data 3 is generated by the generation module 32 to contain data of the transaction 5 pertaining to the payment amount, including payment transaction data needed by the transaction service 20 to coordinate settlement of the financial transaction (associated with the transaction 5 data) via the transaction processing system 14 in transferring funds from the specified account of the consumer 18 to the specified account of the merchant 16.
- the merchant 16 is preregistered (i.e. has provided the registration details 1 7) with the transaction service 20 and is provided with a merchant ID (e.g. via the registration module 60) that is associated with the merchant actual account information (and any other sensitive requestor information), both of which are stored in a secure database 110 of the transaction service 20 (thereby providing for the lookup by the registration module 60).
- One example of the customized coding interpretation scheme 209 for barcodes is a modified UPC (Universal Product Code) to include invoice specific data.
- UPC Universal Product Code
- QR modified QR scheme
- the numbers and/or letters (e.g. ASCII - American Standard Code for Information Interchange) stored in the symbology information 204 of the OMRI 200 are unique identifiers representing the particular standard code and custom code (representing transaction and OMRI specific data) defined in the customized coding scheme 209 that, when read by the OMRI decoder 119 or encoder 120, can be used to look up additional information about the transaction item associated with the OMRI 200. For example, the payment amount, and optional description, of the product would be encoded in the OMRI 200 using the symbology information 204.
- the OMRI generation module 32 takes the transaction 5 data (i.e. as the information 201) and uses the codes and associated rules of the customized coding interpretation scheme 209 to convert a piece of the information 201 (for example, a letter, word, phrase, etc.) of the transaction 5 data into another form or representation (one sign into another sign), not necessarily of the same type, i.e. the symbology information 204.
- encoding is the process by which textual information 201 of the transaction 5 is converted into symbols (of the symbol format 204 defined by the customized coding scheme 209) to be communicated/presented.
- Decoding is the reverse process, converting these code symbols 204 back into information 201 understandable by a receiver.
- the symbology information 204 generated from the information 201 of the transaction 5 data is used by the OMRI generation module 32 to construct the OMRI 200, according to the customized coding scheme 209.
- This OMRI 200 can be made available to the network communications module 40 to be sent in the request message (delivered as an image file for example) to the computer device 6 or can be displayed on a browser screen of the user interface 104 of the computer device 12. It is recognized that the OMRI 200 represents symbolically the data 201 of the transaction 5 and associated payment request.
- the transaction application 113 also has a transaction request module 34, including the decoder 119, used to decode the received OMRI 200, select or otherwise enter (e.g. via a provided graphical user interface generated by the transaction application 113 on the user interface 104 of the computer device 12) account information of the consumer 18 as well as any other relevant data 211 , and to generate the transaction request directed to the transaction service 20.
- the transaction request could include decoded transaction 5 data (e.g. information 201) obtained from the symbology information 204 of the OMRI 200, and/or at least some of the symbology information 204 itself of the OMRI 200), as well as account data 211 pertaining to the selected mode of payment/credit and any other input data 215.
- the transaction request module 34 could be advantageous for security purposes to allow the transaction request module 34 to decode only a portion of the symbology information 204 (of the OMRI 200) pertinent to the consumer 18 (e.g. non-sensitive merchant identification information, unique transfer ID, etc.) and to leave any merchant sensitive information (e.g. merchant account information, for example including PIN or password data) as undecoded (i.e. remain encoded) from the symbology information 204 and therefore abstracted from the consumer 18.
- the decoder 119 of the symbology information 204 pertinent to the consumer 18
- merchant sensitive information e.g. merchant account information, for example including PIN or password data
- transaction request module 34 would not have the ability to decode certain sensitive information in the symbology information 204 pertaining only to the merchant 16, in other words only that payment data common to both of the merchant 16 and the consumer 18 is decodable by the decoder 119 (common information for example could be payment amount , transfer ID, product description, names of merchant and consumer ).
- symbology information 204 to remain unencoded is where the decoder 119 (of the transaction application 113) of the computer device 12 does not have access to the encryption key used by the encoder 120 used to generate the merchant specific details of the OMRI 200. Further, in this example, it is recognized that in the event where the transaction service 20 does receive encoded symbology information 204 in the transaction request, the transaction service 20 (e.g. via the registration module 60) would have access to the requestor encryption key and/or the responder encryption key via their respective registration details 117 stored in the database 110.
- the encryption key can be defined as a piece of information (a parameter) that determines the functional output of a cryptographic algorithm or cipher (i.e. as implemented by the encoder 120 or decoder 119).
- the algorithm of the encoder 120 or decoder 119 would produce no useful result (i.e. the decoded symbology information 204 would be meaningless).
- the key specifies the particular transformation of plaintext into ciphertext, or vice versa during decryption. Keys can be used in cryptographic algorithms, such as digital signature schemes and message authentication codes.
- the transaction request module 34 could also be configured to provide to the user of the computer device 12 (via a presented graphical user interface on the user interface 104 of the computer device 12) the ability to select or otherwise enter the desired account (e.g. specifying a credit card number, a debit card number, or any other account information for use in accepting/paying the payment amount).
- the transaction request module 34 could also provide, via the graphical user interface, the ability of the consumer 18 to enter their PIN (or other password information specific to accessing their financial accounts directly) associated with the specified account, thereby indicating that the user of the computer device 12 at the time of generating the transaction request has the authority to authorize the transaction service 20 (e.g. via the transaction processing module 65) to coordinate funds transfer involving the specified account.
- the PIN, or other password information specific to accessing the selected financial accounts directly can be considered as part of the data 211 included in transaction request data, either directly or otherwise abstracted during generation of the transaction request.
- the PIN or other password information would not be the actual PIN or password information made available to the financial institutions of the accounts 70,72, rather would be reference information used by the transaction service 20 (e.g. via the registration module 60) to look up the actual PIN or password information stored in the registration details 117 of the consumer 18 using the reference PIN or password information provided by the consumer 18 during generation of the transaction request.
- One example of the customized coding interpretation scheme 209 for barcodes is modified UPC (Universal Product Code).
- the numbers and/or letters (e.g. ASCII -American Standard Code for Information Interchange) encoded in the OMRI 200 are unique identifiers representing the particular custom code defined in the customized coding scheme 209 that, when read by the OMRI decoder 119, can be used to look up additional information about the invoice item associated with the OMRI 200.
- the payment amount and optional description of the product would be stored in the OMRI 200 using the symbology information 204, as well as any pertinent data 208 and/or data 211.
- the decoder 119 circuitry and/or software is used to recognize and/or to make sense of the symbology information 204 that make up OMRI 200.
- the decoder 119 can translates symbols 204 into corresponding digital output in a traditional data format (i.e. as information 201).
- information 201 In order to decode the information in OMRI 200, for example for 1 D barcodes, the widths of the bars and spaces are recognized via edge detection and their widths measured.
- the transaction interface 15 can include a network communications module 50 for receiving transaction payment request messages (e.g. providing information 201 and optionally expecting a generated OMRI 200 or the product code data 3) from the merchant interface 8 (e.g. computer device 17) and for sending processing messages to the transaction processing system 14 over the communications network 11.
- transaction payment request messages could include the consumer code data 3 for use in identifying the account (e.g. main account and/or subaccount) associated with the consumer 18.
- the network communications module 50 can also be configured to send and receive transfer confirmation messages to the computer devices 17,12 (in response to the received transaction request messages) over the communications network 11 with respect to the computer devices 17,12. Also included is a database 110 containing registration details 117 of the merchant 16 and/or consumer 18 (including the consumer code data 3 for use in matching the consumer code data 3 transmitted in the transaction payment request) as discussed above, and network 11 address information of the transaction processing system 14.
- the database 110 can also have customized OMRI definitions of the customized coding scheme 209 containing relationships (e.g. rules) between machine readable symbology and codewords used to encode (or decode) information during encoding and/or decoding of symbology information 204 of the OMRI 200 used to represent the transaction 5 associated with the payment request.
- the customized coding scheme 209 can be used by the OMRI generation module 62 to encode (i.e. translate) text based information 201 of the transaction 5 (including data received from the computer 17) into symbology information 204, performed during generation of the OMRI 200.
- the customized coding scheme 209 can also be used to decode (i.e. interpret) symbology
- the customized coding scheme 209 is known to the transaction service 20 and can include customized code words pertaining to specific payment information such as but not limited to: sensitive financial information.
- the product code data 3 can also be generated by selecting the desired series of alpha and/or numeric characters for the product code data 3 and then populating the lookup table 63 with the information 61 that is mapped to the product code data 3 in the lookup table 63.
- the transaction interface 15 also has a registration module 60 used to collect the registration details 1 7 during registration of the merchant 16 and/or the consumer 18.
- the registration details 117 can include PIN data and/or password data used to access the specified account(s) 70,72 through the financial institutions of the transaction processing system 14.
- the registration module 60 could be supplied as part of the reference account information included in the transaction payment request , for example used by the registration module 60 to lookup the actual bank account information in the registration details 117 known only to the transaction service 20, and therefore abstracted from the appropriate merchant 16 or consumer 18 (e.g. main account or subaccount holder).
- the transaction interface 15 can also have the generation module 62 that is configured, by an encoder 120, to use the received information 201 data and the customized coding scheme 209 to generate the OMRI 200, or populate the lookup table 63 in the case of the product code data 3, for subsequent delivery to the computer device 12 if configured as part of the processing for the transaction 5 (i.e. the computer device 17 sends the information 201 to the transaction service 20 and the transaction service 20 then sends the generated OMRI 200 or the product code data 3 directly to the computer device 12).
- the generation module 62 is configured, by an encoder 120, to use the received information 201 data and the customized coding scheme 209 to generate the OMRI 200, or populate the lookup table 63 in the case of the product code data 3, for subsequent delivery to the computer device 12 if configured as part of the processing for the transaction 5 (i.e. the computer device 17 sends the information 201 to the transaction service 20 and the transaction service 20 then sends the generated OMRI 200 or the product code data 3 directly to the computer device 12).
- the OMRI 200 or the product code data 3 can be generated by the generation module 62 to contain data of the transaction 5 pertaining to the payment amount provided by the merchant 16, including transaction data needed by the payment transaction processing system 14 to settle the financial transaction by transferring funds between specified accounts 70,72.
- One example of the customized coding interpretation scheme 209 for barcodes is a modified UPC (Universal Product Code) to include invoice specific data.
- UPC Universal Product Code
- QR modified QR scheme
- the numbers and/or letters (e.g. ASCII -American Standard Code for Information Interchange) stored in the symbology information 204 of the OMRI 200 are unique identifiers representing the particular standard code and custom code (representing invoice specific data) defined in the customized coding scheme 209 that, when read by a OMRI decoder 19, can be used to look up additional information about the invoice item associated with the OMRI 200.
- the OMRI generation module 62 takes the text based information 201 data and uses the codes and associated rules of the customized coding interpretation scheme 209 to convert a piece of the information 201 (for example, a letter, word, phrase, etc.) into another form or representation (one sign into another sign), not necessarily of the same type, i.e. the symbology information 204.
- encoding is the process by which textual information 201 is converted into symbols (of the symbol format 204 defined by the customized coding scheme 209) to be communicated.
- Decoding is the reverse process, converting these code symbols 204 back into textual information 201 understandable by a receiver.
- the symbology information 204 generated from the textual information 201 is used by the OMRI generation module 62 to construct the OMRI 200, according to the customized coding scheme 209.
- This OMRI 200 is made available to the network communications module 50 to be sent in the order response message (for example) to the computer device 17 for subsequent delivery to the computer device 12 to be displayed on a browser screen of the user interface 104 of the computer device 12 or otherwise delivered as an image file in the network message. It is recognized that the OMRI 200 represents symbolically the data 201.
- the network communications module 50 could send the OMRI 200 in the message directly to the computer device 12 (e.g. displayed on a browser screen of the user interface 104 of the computer device 12 or otherwise delivered as an image file in the network message, etc.).
- the transaction interface 15 can also have a decoder module 66, including the decoder 119, used to decode the received OMRI 200 in the case where the transaction request data includes symbology information 204.
- the decoder 119 could be used to decode account information of the transaction 5 (pertaining to the selected mode of payment/credit of the consumer 18 and optionally including the PIN or password data of the account) as well as any other relevant data 208 from the symbology 204, for example using the respective encryption key stored in the registration details 117 of the merchant 16).
- a transfer processing module 65 can communicate using transaction processing messages with the transaction processing system 14 (for example to complete the transaction by having funds paid, by completing registration or subscription), as facilitated by matching of the received consumer code data 3 in the transaction payment request from the merchant interface 8 with similar consumer code data 3 stored in the consumer information 61 ,61 a of the consumer profile details 117.
- the transaction processing messages could include decoded transaction 5 data (e.g. textual information 201) obtained from the symbology information 204 of the OMRI 200, and/or as received from the computer device 12, including account data and the payment amount.
- the transfer processing module 65 could be configured to confirm whether the received PIN or password information matches the
- the transfer processing module 65 has confirmed that at the time of generating the OMRI 200 and/or at the time that the transaction request was generated, the respective merchant 16 and/or the respective consumer 18 had the authority to authorize the transaction service 20 to coordinate funds transfer involving the specified account(s).
- the transfer processing module 65 could deny the transaction request and send notice of the denial back to the computer devices 7,12 via the respective transaction
- the transfer processing module 65 is also configured to receive confirmation message(s) from the transaction processing system 14, such that confirmation message(s) include a confirmation that the payment amount has either been transferred between accounts 70,72 or declined.
- the confirmation message(s) sent by the transaction service 20 can include instructions to the respective financial institutions (not shown), for example, associated with the consumer and merchant account information to debit the appropriate account 70,72 and credit the appropriate account 70,72 by the payment amount along with the required account data and (optional) PIN or password data.
- the confirmation message(s) received by the transaction interface 15 from the transaction payment processing system 14 could contain details of the payment processing including that the accounts were (or will be) credited by the amount, as well as any transfer data 2 0 (e.g. transfer ID) for accounting records.
- the subaccount information 61a for a subaccount holder can include: a picture; their mobile device network 11 contact address (e.g. email address, phone number, etc.); a PIN number or other payment authorization or subaccount login information; association information to which main account the subaccount belongs to (e.g. subaccount 416-888-8888 is associated with main account 416-999-9999); and/or purchase limit/threshold (e.g. a monthly spending limit).
- the merchant 16 can have the configured merchant interface 8 (e.g. as integrated software) on their POS systems 17 that can facilitate the merchant system 17 to communicate with the transaction interface 15 over the network 11.
- the configured merchant interface 8 e.g. as integrated software
- the subaccount holder can shop at a merchant 16 location.
- the subaccount holder can provide the merchant 16 with their consumer code data 3 (e.g. registered username or phone number or email address).
- the merchant can access the merchant interface 8 in their computer system 17 and enter the consumer identifying information (e.g.
- the transaction interface 15 can receive the payment transaction request (e.g. including consumer code data 3 and merchant identification data) from the merchant POS.
- the transaction interface 15 can query the registered consumer profile details 117 and match the consumer 18 to the appropriate subaccount (and corresponding main account) using the received consumer code data 3.
- the transaction interface 15 can also access the merchant profile 117 via the received merchant data and obtain any product and/or merchant information (e.g. merchant financial account 70, product amount, payment amount, transaction type, etc.) for use in processing the payment transaction 5 represented by the payment transaction request.
- the transaction interface 15 can obtain the picture or other identifying information of the subaccount holder and transmit same to the merchant interface 8, which could be configured to display the subaccount holder's picture or other identifying information on a display screen of the merchant computer system 17.
- the cashier after validating that the subaccount holder is the same person as the picture or other identifying information can then click continue or otherwise communicate to the transaction server 15 an indication that the subaccount holder identity validation is ok (e.g. displayed picture matches the person standing in front of the cashier).
- the transaction server 15 can send a network 11 communication (e.g. place a phone call or text message) to the subaccount holders mobile device 12 according to the mobile device 12 network contact information contained in the subaccount holder information 61a.
- the subaccount holder can enter their authorization information (e.g. PIN number) via the device 12 interface (e.g. on the key pad of their mobile phone) and for example the payment application 113 can send the authorization information as a confirmation message over the network 11.
- their authorization information e.g. PIN number
- the payment application 113 can send the authorization information as a confirmation message over the network 11.
- the transaction interface 15 can receive directly the authorization information as an appropriate application specific response message (e.g. Dual-tone multi- frequency signaling -DTMF- tones in the case of a real-time phone call) over the network 11.
- the transaction interface 15 receives the authorization information via the network 11 and validates received authorization information (e.g. the PIN and/or subaccount limit/threshold and/or transaction type) with the matching information contained in the subaccount holder information 61a.
- the transaction interface 15 queries the main account holder information 61 to determine whether or not their are sufficient funds available with the associated financial account 72 assigned to the main account that is associated with the subaccount.
- the transaction interface 15 can, if all checks are positive, submit the financial transaction for funds transfer (between financial accounts 70,72) to the payment processing platform 14 for approval.
- an approval message can be sent from the transaction interface 15 to the merchant interface 8 and indicated (e.g. displayed onscreen) to the cashier.
- confirmation of the successful purchase can be communicated to the main account holder (e.g. to the mobile device 12 associated with the main account as defined in the main account information 61) and/or to the subaccount holder (e.g. to the mobile device 12 associated with the subaccount as defined in the subaccount information 61a).
- the mobile device 12 can be configured with the payment application 113 compatible to interact with the transaction interface 15 over the communications network 11.
- the mobile device 12 can be configured by a non-transitory computer readable storage medium (e.g. device memory) with the executable payment application 113 stored thereon, the payment application 113 configured for confirming a transaction payment request associated with the merchant computer system 17 over the communications network 11.
- the merchant 16 provides the product to the consumer 18 in exchange for satisfactory payment, wherein the payment application 113 instructs the computer processor of the mobile device 12 to perform the following steps of: receiving consumer code data 3 upon registration of the consumer subaccount with the transaction interface 15 that is separately addressable over the network 11 (e.g.
- the consumer code data 3 is representative of the subaccount of the main account also registered with the transaction interface 15, wherein the financial account 72 is common to both the subaccount and the main account.
- Other steps include: receiving a payment confirmation request from the transaction interface 15 over the communications network 11 including identification information pertaining to the merchant 16 and the product; sending authorization information to the transaction interface 15 over the communications network 11 via the network path that bypasses the computer system 17 of the merchant 16; and receiving a confirmation of approval or denial of the payment confirmation request from the transaction interface 15 based on the authorization information.
- the transaction service 20 is configured for coordinating processing of the transaction payment request associated with the transaction 5 between the consumer 18 and the merchant 16, the transaction 5 associated with the merchant 6 providing a product to the consumer 8.
- the transaction service 20 includes: a computer processor coupled to a memory of the computer device 6, wherein the computer processor is programmed to coordinate processing of the transaction payment request by: receiving the transaction payment request including the consumer code data 3 and identification information pertaining to the merchant 16 and the product, the consumer code data 3 representative of the subaccount registered with the transaction interface 15, the subaccount associated with the respective main account also registered with the transaction interface 15, such that the financial account 72 is common to both the subaccount and the main account; accessing the subaccount or the main account using the consumer code data 3 by querying the account information 61 ,61a to obtain payment information related to the transaction payment request including the financial account 72, mobile device 12 contact information, and required authorization information; creating a payment confirmation request using the identification information; sending the payment confirmation request over the network 11 to the mobile device 2 using the contact information
- authorization information matching the required authorization information; receiving approval of the funds transfer request from the payment platform 14; and sending a confirmation of the approval of the funds transfer request to the computer device 17 (e.g. via the merchant interface 8) associated with the merchant 16.
- the payment account identifier can also identify corresponding payment account information of the consumer, and the payment account information is stored in memory of the transaction server;
- the scannable image or the product code data 3 can be encoded with unique information that is only relevant to the mobile payment transaction interface;
- the merchant data includes one or more selected from the group of transaction ID, merchant ID, price and purchased item information;
- the device data can include one or more selected from the group of: International Mobile Equipment Identity (IMEI) number, phone number, carrier name and geographic location coordinates;
- the transaction request can include one or more account information selected from the group of purchase amount, credit card data and PIN, debit card data and PIN, and stored value account and login information;
- the mobile device scannable image or the product code data 3 can be presented on print media or electronic media for scanning;
- the mobile device scannable image or the product code data 3 can be presented on a point of sale terminal for scanning;
- the mobile device scannable image or the product code data 3 can be generated by a mobile payment merchant interface, the mobile payment merchant interface
- symbology information 204 of the OMRI 200 can contain unique coded information that is meant for decoding and/or
- the application 113 would contain undecodable data (i.e. the decoder and coding scheme 209 resident on the computer device 12 does not have the capability of decoding the unique coded information) and/or data that if/when decoded by the application 113 does not have any perceivable meaning to the consumer 18.
- An example of the unique coded information in the symbology information 204 that could be decodable by the application 113 is the transaction type identifier (e.g. indicating restaurant meal, consumer product purchase, service registration, etc.) and/or a security identifier (e.g. a hashtag generated by the merchant interface 8 and/or the transaction interface 15).
- the transaction type identifier could be used by the transaction interface 15 to coordinate the content and/or format of the input data 215 as well as the output data 217 communicated between the transaction interface 15 and the application 113.
- the configured input data 215 as well as the output data 217 is available in the merchant profile 117 information that is associated with the
- this identifier could be used by the transaction interface 15 to determine whether the OMRI 200 is valid, I.e. is not a counterfeit OMRI 200 and instead contains valid information that was issued (i.e. confirmed) by the transaction service 20 and/or the merchant 16. It is also recognised that the transaction type identifier and/or the security identifier could be decoded from the symbology information 204 by the application 1 3 but still remain unknown to the consumer 18 as to the relevance of the identifier to the transaction 5.
- an advantage with only providing the consumer code data 3 (only representing the payment account information 61 of the consumer 18), by the consumer 18 to the merchant 16, is that the merchant 16 does not have any direct knowledge of the payment account number of the consumer 18 (as this information is only known to the transaction service platform 20 and/or the respective financial institution of the payment processing system 14). It is recognized that separate network 11 connections can be used to transmit the purchase transaction 5 (over network connection A) between the merchant device 17 and the transaction service platform 20 and the consumer code data 3 (over network connection B) between the consumer device 12 and the transaction service platform 20.
- the transaction Service 20 can process the purchase transaction 5 by using the consumer code data 3 to identify the actual identity of the consumer 18 (via interrogation of the lookup table 63 to access sensitive account information 61 of the consumer 18 that is cross referenced to the consumer code data 3 in the lookup table 63) and their actual payment account information 61 and send a "request for confirmation" request (e.g. via network connection A) associated with the purchase transaction 5 to the payment application 113 on the Consumer's mobile device 12.
- the Consumer 18 can then confirm or decline the request for confirmation as a confirmation response back to the transaction Service Platform 20 (e.g. via network connection b), which can then interact with the payment processing system 14 to effect the transfer of funds indicated in the original purchase
- the consumer code data 3 can be any type of consumer code data 3
- a short code service i.e. unencoded textual information as compared to coded textual information in the form of a barcode 200.
- the consumer 18 instead of scanning or otherwise supply the barcode 200 as the consumer code data 3, the consumer 18 provides a short code (e.g. a sequence of characters including numeric characters and/or alpha characters) that is also known to the transaction Service 20 as the consumer code data 3 used in identifying the actual payment account information 61 stored (in table 63) and accessible by the payment interface 15. Therefore, after providing the consumer code data 3 as a series of numeric characters and/or alpha characters to the merchant application 8, the rest of the split purchase transaction 5 process is exactly the same.
- One advantage in using the short code is that it works in situations where generating or otherwise scanning/processing the barcode 200 is not feasible by the merchant application 8 and/or the payment application 1 3.
- the communication means for identifying the Consumer's Payment Account to the transaction Service 20 via the merchant terminal 17 can involve the transmission of the Consumer's Payment Account Identifying Information data 3 from the Mobile Device 12 (i.e. via the payment application 113) to the merchant terminal 17 (i.e. via the merchant application 8) using NFC, Bluetooth, Infrared or other similar short-range, communication technology.
- the transmission of this consumer code data 3 information to the merchant may be something as simple as verbal transmission between the merchant 16 and consumer 18 and/or by simply reading of the consumer code data 3 off of the screen of the device 12 by the merchant 16 - in the case where the consumer code data 3 is displayed on the screen of the device 12 (e.g. via
- Another embodiment is where a speaker of the device 12 is used by the payment application 113 to audibly communicate the consumer code data 3 to the merchant 16.
- consumer sensitive information of card balance and card account number is transmitted directly between the transaction interface 15 and the consumer device 12 over the network 11 (e.g. via network connection B) while the representative consumer code data 3 and product purchase information of the purchase transaction 5 is transmitted directly between the transaction interface 15 and the consumer device 12 over the network 11 (e.g. via network connection B) while the representative consumer code data 3 and product purchase information of the purchase transaction 5 is transmitted directly between the transaction interface 15 and the consumer device 12 over the network 11 (e.g. via network connection B) while the representative consumer code data 3 and product purchase information of the purchase transaction 5 is transmitted directly between the transaction interface 15 and the consumer device 12 over the network 11 (e.g. via network connection B) while the representative consumer code data 3 and product purchase information of the purchase transaction 5 is transmitted directly between the transaction interface 15 and the consumer device 12 over the network 11 (e.g. via network connection B) while the representative consumer code data 3 and product purchase information of the purchase transaction 5 is transmitted directly between the transaction interface 15 and the consumer device 12 over the network 11 (e.g. via network connection B) while the
- the purchase transaction 5 can involves the use of the consumer code data 3 that contains encoded account information (i.e. the code data 3 is mapped to the stored payment account information 61 accessible by the transaction interface 15 and therefore restricted from access by the merchant 16 and/or the merchant application 8).
- the consumer code data 3 can also be represented as the short code, which is also used as an encoded version of the actual account number to which the consumer code data 3 is associated with (i.e. the consumer code data 3 is mapped to the stored payment account information 61 accessible by the transaction interface 15 via the lookup table 63 and therefore restricted from access by the merchant 16 and/or the merchant application 14).
- Code Data 3 is also used as an encoded version of the actual account number to which the consumer code data 3 is associated with (i.e. the consumer code data 3 is mapped to the stored payment account information 61 accessible by the transaction interface 15 via the lookup table 63 and therefore restricted from access by the merchant 16 and/or the merchant application 14).
- the code data 3 can be represented as the short code, which is also used as a version of the actual information 61 to which the code data 3 is associated with (i.e. the code data 3 is mapped to the stored information 61 in the table 63 and accessible by the transaction interface 15 and therefore can be restricted from access by the merchant 6 and/or the merchant application 8 or by the consumer 18 and/or the application 113 as the case may be).
- the code data 3 is implemented as a short code service, such that instead of scanning or otherwise supplying the code data 3 as the barcode 200, the consumer 18 provides a short code (e.g.
- the rest of the split purchase transaction 5 process is similar to using the barcode 200 also an encoded representation of the actual information 61 that is restricted from access by the merchant 16 and/or the consumer 18 as the case may be (e.g. the consumer 18 can be restricted to access of sensitive merchant data (e.g. merchant account numbers) via use of the code data 3 or the merchant 16 can be restricted to sensitive consumer data (e.g. consumer account numbers) via use of the code data 3) .
- sensitive merchant data e.g. merchant account numbers
- the merchant 16 can be restricted to sensitive consumer data (e.g. consumer account numbers) via use of the code data 3
- the merchant 16 can be restricted to sensitive consumer data (e.g. consumer account numbers) via use of the code data 3) .
- One advantage in using the short code is that it works in situations where generating or otherwise scanning/processing the barcode 200 (also referred to as ORMI) is not feasible by the merchant application 8 and/or the payment application 113.
- the code data 3 is received by the merchant application 8 for subsequent incorporation into the data of the purchase transaction 5 communicated (e.g. via network connection A) directly with the transaction service 20 (e.g. via the transaction interface 15).
- direct access to the information 61 e.g.
- the code data 3 is used by the service 20 as a lookup identifier for accessing the actual financial account number information 61 mapped or otherwise associated with the code data 3 stored or otherwise accessible by the transaction interface 15 in a lookup table or index 63.
- E-wallet any electronic stored value system.
- Mobile device any wireless, web-enabled electronic device, including cell phone, electronic PDA, computer tablet, smartphone or a similar device.
- Order Form Data any Consumer information including, but not limited to, address, phone number, e-mail address, billing address, shipping address and date of birth.
- Payment Account an account held by a Consumer with a financial institution, E-wallet provider, Credit Issuing Company, or the like.
- Payment Account Information information pertaining to a Payment Account, including but not limited to account numbers, account balances, passwords and PIN numbers.
- Payment Platform the computing infrastructure utilized by banks, other financial institutions, E-wallet service providers, money transfer service providers, or the like, that is used to authenticate account holders and/ house account holder accounts and process electronic payment from account holder accounts.
- POS or Point of Sale the location where a purchase/sale transaction takes place.
- POS Terminal or Point of Sale Terminal any type of electronic payment terminal or transaction terminal including but not limited to ATM machines, vending machines and standard in-store point of sale terminals.
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
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US13/861,490 US9721243B2 (en) | 2011-05-11 | 2013-04-12 | Mobile payment system using subaccounts of account holder |
PCT/CA2014/000343 WO2014165974A1 (en) | 2013-04-12 | 2014-04-11 | Mobile payment system using subaccounts of account holder |
Publications (2)
Publication Number | Publication Date |
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EP2984614A1 true EP2984614A1 (en) | 2016-02-17 |
EP2984614A4 EP2984614A4 (en) | 2016-09-14 |
Family
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EP14783175.4A Withdrawn EP2984614A4 (en) | 2013-04-12 | 2014-04-11 | Mobile payment system using subaccounts of account holder |
Country Status (5)
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EP (1) | EP2984614A4 (en) |
CA (1) | CA2909104A1 (en) |
MX (1) | MX2015014381A (en) |
PH (1) | PH12015502359A1 (en) |
WO (1) | WO2014165974A1 (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111371841A (en) * | 2020-02-17 | 2020-07-03 | 平安科技(深圳)有限公司 | Data monitoring method and device |
Families Citing this family (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN105869080A (en) * | 2016-04-25 | 2016-08-17 | 海南客来乐科技有限公司 | System and method for realizing physical store mobile payment through electronic table plates and electronic table plate |
SG10201808244YA (en) * | 2018-09-21 | 2020-04-29 | Mastercard International Inc | Payment methods and systems based on a deceptive pin of a payment card |
CN114239771B (en) * | 2021-11-22 | 2023-05-16 | 北京印刷学院 | Textile anti-counterfeiting method for body binding multiple anti-counterfeiting mark images |
Family Cites Families (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7747523B2 (en) * | 1998-03-30 | 2010-06-29 | Cohen Morris E | Internet-based financial vehicles |
US7248855B2 (en) * | 1998-09-15 | 2007-07-24 | Upaid Systems, Ltd. | Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account |
AU3741000A (en) * | 1999-04-27 | 2000-11-10 | Eli E. Hertz | Commercial transaction method |
US20040215534A1 (en) * | 2003-04-25 | 2004-10-28 | Apple Computer, Inc. | Method and system for network-based allowance control |
US20070168282A1 (en) * | 2006-01-13 | 2007-07-19 | Advanced Payment Products, Llc | Systems and/or methods for simplifying payment systems, and payment instruments implementing the same |
CA2647602A1 (en) * | 2006-03-30 | 2008-03-06 | Obopay Inc. | Mobile person-to-person payment system |
US8498934B2 (en) * | 2010-10-21 | 2013-07-30 | Bml Productions, Inc. | Multi-account payment consolidation system |
-
2014
- 2014-04-11 MX MX2015014381A patent/MX2015014381A/en unknown
- 2014-04-11 WO PCT/CA2014/000343 patent/WO2014165974A1/en active Application Filing
- 2014-04-11 CA CA2909104A patent/CA2909104A1/en not_active Abandoned
- 2014-04-11 EP EP14783175.4A patent/EP2984614A4/en not_active Withdrawn
-
2015
- 2015-10-09 PH PH12015502359A patent/PH12015502359A1/en unknown
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111371841A (en) * | 2020-02-17 | 2020-07-03 | 平安科技(深圳)有限公司 | Data monitoring method and device |
CN111371841B (en) * | 2020-02-17 | 2023-04-07 | 平安科技(深圳)有限公司 | Data monitoring method and device |
Also Published As
Publication number | Publication date |
---|---|
MX2015014381A (en) | 2016-07-07 |
EP2984614A4 (en) | 2016-09-14 |
PH12015502359A1 (en) | 2016-02-22 |
CA2909104A1 (en) | 2014-10-16 |
WO2014165974A1 (en) | 2014-10-16 |
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