ES2541021B1 - Payment and collection platform through the mobile terminal - Google Patents
Payment and collection platform through the mobile terminal Download PDFInfo
- Publication number
- ES2541021B1 ES2541021B1 ES201400053A ES201400053A ES2541021B1 ES 2541021 B1 ES2541021 B1 ES 2541021B1 ES 201400053 A ES201400053 A ES 201400053A ES 201400053 A ES201400053 A ES 201400053A ES 2541021 B1 ES2541021 B1 ES 2541021B1
- Authority
- ES
- Spain
- Prior art keywords
- payment
- information
- mobile terminal
- seller
- transaction
- 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.)
- Active
Links
Classifications
-
- 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
Abstract
Plataforma de pagos y cobros a través de terminal móvil que introduce la información de la transacción en un código QR o transmitiéndolo mediante tecnología NFC y que dispone de un terminal móvil que lee dicha información mediante una aplicación de pagos que procesa la orden de pago y ejecuta la transacción.Payment and collection platform through mobile terminal that enters the transaction information in a QR code or transmitting it through NFC technology and that has a mobile terminal that reads said information through a payment application that processes the payment order and executes the transaction.
Description
55
1010
15fifteen
20twenty
2525
3030
3535
4040
45Four. Five
50fifty
DESCRIPCIONDESCRIPTION
Plataforma de pagos y cobros a traves del terminal movil.Payment and collection platform through the mobile terminal.
La presente invention consiste en una plataforma que permite realizar pagos a traves de un dispositivo movil basada en la emision por parte del vendedor de la information de la transaction y para el cobro en un formato que pueda ser transmitido en codigos QR (Bidi), utilizando la tecnologla NFC (Near Field Communications) o cualquier otro metodo que permita la transmision de dicha informacion, incrementando la seguridad en la transaccion, al basarse esta en el pago por el comprador, no el cobro por el vendedor. No se produce traspaso de informacion del medio de pago utilizado del comprador al vendedorThe present invention consists of a platform that allows payments to be made through a mobile device based on the issuance by the seller of the information of the transaction and for the collection in a format that can be transmitted in QR codes (Bidi), using NFC technology (Near Field Communications) or any other method that allows the transmission of such information, increasing the security in the transaction, based on the payment by the buyer, not the payment by the seller. There is no transfer of information of the means of payment used from the buyer to the seller
Se trata de una plataforma de pagos basada en la transmision de la informacion de cobro por parte del vendedor, no de la informacion de pago del comprador, en la que los medios utilizados no cambian, pero lo que si que cambia, y radicalmente es la forma de utilizarlos, tanto en compras flsicas como virtuales a traves de e-commerce, pagos a las administraciones...It is a payment platform based on the transmission of the collection information by the seller, not the payment information of the buyer, in which the means used do not change, but what does change, and radically is the how to use them, both in physical and virtual purchases through e-commerce, payments to administrations ...
Antecedentes de la invencionBackground of the invention
El pago por movil esta en pleno auge y son muchos los que estan desarrollando este servicio.Mobile payment is booming and there are many who are developing this service.
Las alternativas actuales de pago por movil se pueden clasificar en: o Intermediarios: Pay-pal...,The current mobile payment alternatives can be classified into: o Intermediaries: Pay-pal ...,
o Adaptadores: SumUp, Square, iZeetle, ... que mediante un hardware permiten convertir el terminal movil en un TPV.o Adapters: SumUp, Square, iZeetle, ... that through a hardware allow converting the mobile terminal into a POS.
o Micro Pagos, por SMS, Premium SMSo Micro Payments, by SMS, Premium SMS
o Tarjetas "electronicas". Kuapay, Visa Wallet, ... Hacen del terminal una tarjeta NFC (o Qr) que realizan el pago por el medio tradicional, facilitando la informacion del medio de pago para que el vendedor cobre el importe. Esto no supone ningun avance para el usuario en cuanto a seguridad, y ademas no integra todos los medios de pago en una unica App.o "Electronic" cards. Kuapay, Visa Wallet, ... They make the terminal an NFC (or Qr) card that makes the payment by the traditional means, facilitating the information of the payment method so that the seller charges the amount. This does not mean any progress for the user in terms of security, and also does not integrate all payment methods into a single App.
o Monederos electronicos: Google Wallet, ...o Electronic wallets: Google Wallet, ...
o Retirada de efectivo en cajeros sin tarjeta: PayBoxMe, Hal Cash, ...o Cash withdrawal at ATMs without a card: PayBoxMe, Hal Cash, ...
o Iniciativas que no son propiamente medios de pago, como Apple Passbook.o Initiatives that are not properly means of payment, such as Apple Passbook.
Descripcion de la invencionDescription of the invention
Plataforma que permite realizar pagos a traves de un dispositivo movil basada en la emision por parte del vendedor de la informacion de la transaccion y para el cobro en un formato que pueda ser transmitido en codigos QR (Bidi), utilizando la tecnologla NFC (Near Field Communications) o cualquier otro metodo que permita la transmision de dichaPlatform that allows payments to be made through a mobile device based on the issuance by the seller of the transaction information and for the collection in a format that can be transmitted in QR codes (Bidi), using the NFC (Near Field) technology Communications) or any other method that allows the transmission of said
55
1010
15fifteen
20twenty
2525
3030
3535
4040
45Four. Five
50fifty
information, incrementando la seguridad en la transaction, al basarse esta en el pago por el comprador, no el cobro por el vendedor. No se produce traspaso de information del medio de pago utilizado del comprador al vendedor.information, increasing the security in the transaction, being based on the payment by the buyer, not the collection by the seller. There is no transfer of information of the means of payment used from the buyer to the seller.
Se trata de una plataforma de pagos basada en la transmision de la information de cobro por parte del vendedor, no de la information de pago del comprador, en la que los medios utilizados no cambian, pero lo que si que cambia, y radicalmente es la forma de utilizarlos, tanto en compras flsicas como virtuales a traves de e-commerce, pagos a las administraciones...It is a payment platform based on the transmission of the collection information by the seller, not the payment information of the buyer, in which the means used do not change, but what does change, and radically is the how to use them, both in physical and virtual purchases through e-commerce, payments to administrations ...
La idea se basa en el principio de "no me cobras, te pago", por el que no hay transferencia de los datos del medio de pago del comprador al vendedor. El vendedor recibe la information de la transaction comercial realizada y en el propio ticket es el vendedor el que incluye la information de donde se debe realizar el pago, y es el comprador el que, por el medio de pago que seleccione, realiza en mismo.The idea is based on the principle of "you do not charge me, I pay you", for which there is no transfer of the data of the means of payment from the buyer to the seller. The seller receives the information of the commercial transaction made and on the ticket itself it is the seller who includes the information of where the payment should be made, and it is the buyer who, by the means of payment he selects, performs on it.
El vendedor, bien desde su tpv, tpv virtual, ordenador o desde un terminal movil genera la information de la venta (nombre del vendedor, identification fiscal, direction, fecha y hora de la transaction, description, importe, impuestos, y datos de la cuenta bancaria, id del tpv, ... para el abono del importe de la venta). El software del vendedor procesa esta information, que se codifica (mediante un estandar de comunicacion como puede ser CSV - Comma Separated Values) y genera fichero que transmite, bien mediante un Codigo QR (Bidi) con la misma, bien utilizando la tecnologla NFC o cualquier otra disponible que permita la transmision de la misma entre los dispositivos. El comprador, que previo a la transaccion se ha descargado el software para poder pagar a traves de la plataforma e introducido sus datos (personales y de medios de pago), abre la aplicacion, escanea el Codigo QR (Bidi) o recibe la information utilizando la tecnologla NFC o cualquier otra que permita la transmision de la misma, y ordena el pago a traves del medio de pago seleccionado, directamente segun las instrucciones enviadas por el vendedor (cuenta, tpv...). Una vez realizado el pago, la propia aplicacion, a traves de la pasarela utilizada enviara un mensaje al vendedor con el mensaje de la transaction (OK, operacion rechazada, error...).The seller, either from his tpv, virtual tpv, computer or from a mobile terminal generates the information of the sale (name of the seller, tax identification, direction, date and time of the transaction, description, amount, taxes, and data of the bank account, tpv id, ... for payment of the sale amount). The seller's software processes this information, which is encoded (by means of a communication standard such as CSV - Comma Separated Values) and generates a file that it transmits, either through a QR Code (Bidi) with it, either using the NFC technology or any other available that allows the transmission of it between the devices. The buyer, who prior to the transaction has downloaded the software to be able to pay through the platform and entered their data (personal and payment methods), opens the application, scans the QR Code (Bidi) or receives the information using NFC technology or any other that allows the transmission of the same, and orders payment through the selected means of payment, directly according to the instructions sent by the seller (account, tpv ...). Once the payment is made, the application itself, through the gateway used, will send a message to the seller with the message of the transaction (OK, operation rejected, error ...).
Se trata de un software que facilita la transaccionalidad segura, preservando los datos de los medios de pago del comprador (ya sea en compras flsicas, por internet, pagos a las administraciones publicas...).It is a software that facilitates secure transactionality, preserving the data of the buyer's means of payment (whether in physical purchases, online, payments to public administrations ...).
No es un intermediario de pagos, si no una plataforma, un agregador de medios de pago.It is not a payment intermediary, if not a platform, a means of payment aggregator.
Lo mas novedoso del sistema es la filosofla del mismo que se basa en cambiar la forma de realizar las transacciones comerciales, al cambiar la forma de hacer el pago. Hasta ahora al hacer una compra, el comercio es el que procesa la transaction y obtiene datos del sistema de pago del cliente.The novelty of the system is its philosophy, which is based on changing the way of making commercial transactions, by changing the way of making the payment. So far when making a purchase, the merchant is the one that processes the transaction and obtains data from the customer's payment system.
El comercio es el que cobra. La novedad de este sistema es que es el comprador el que ordena el pago, no produciendose transferencia de los datos bancarios, de la tarjeta utilizada.... El cliente es el que paga.Commerce is the one that charges. The novelty of this system is that it is the buyer who orders the payment, not transferring the bank details, the card used .... The customer is the one who pays.
Ademas, permite basarse en una primera etapa en la generation de codigos QR para lo que solo son precisas actualizaciones de software, en ningun caso de hardware (y tambien podra utilizar la tecnologla NFC - o cualquier otra que permita la transmisibilidadIn addition, it allows to rely on a first stage in the generation of QR codes for which only software updates are required, in no case of hardware (and you can also use the NFC technology - or any other that allows transmissibility
55
1010
15fifteen
20twenty
2525
3030
3535
4040
45Four. Five
50fifty
de la information entre dispositivos - en cuanto el hardware necesario este implantado de forma efectiva o cualquier otro medio de transmision de la information entre los terminales del vendedor y del comprador), no se utilizan intermediarios y no hay limitaciones al medio de pago.of information between devices - as soon as the necessary hardware is effectively implemented or any other means of transmission of information between the terminals of the seller and the buyer), intermediaries are not used and there are no limitations on the means of payment.
Description de una forma de realization preferidaDescription of a preferred embodiment
Se trata de una plataforma de pagos movil que se basa en la transmision de la information del vendedor y de la transaction al comprador para que este pueda transferir el importe de la venta.It is a mobile payment platform that is based on the transmission of information from the seller and the transaction to the buyer so that he can transfer the amount of the sale.
Una aplicacion descargable en los terminales moviles, con una web de soporte. Esta aplicacion sera desarrollada para los distintos sistemas operativos (iOS, Android, Windows Mobile, Nokia, ...) y sera de descargable a traves de las distintas tiendas de los operadores. Tambien podra ir preinstalada en los nuevos terminales.A downloadable application in mobile terminals, with a support website. This application will be developed for the different operating systems (iOS, Android, Windows Mobile, Nokia, ...) and will be downloadable through the different stores of the operators. You can also go pre-installed in the new terminals.
Tras descargarse la aplicacion y darse de alta en el servicio, el usuario introducira sus datos personales, sus datos de los medios de pago y los vinculara con su terminal movil (mediante el codigo IMEI) y con su numero de telefono (mediante la tarjeta SIM). Para utilizar la aplicacion para cobros habra que dar de alta los datos del particular, comercio o profesional y una cuenta de abono o TPV virtual para realizar las transacciones.After downloading the application and signing up for the service, the user will enter their personal data, their payment methods and link them with their mobile terminal (through the IMEI code) and with their phone number (using the SIM card ). To use the application for collections you will have to register the data of the individual, business or professional and a virtual subscription or POS account to carry out the transactions.
La aplicacion permite, tanto pagar como cobrar. Para pagos se podran elegir los distintos medios de pago dados de alta por el usuario: tarjetas de debito, credito, monedero, transferencias mediante banca electronica, monederos electronicos, pay pal, ... Para cobrar habra varias opciones, una para particular a particular y otra de TPV movil para comercios y profesionales.The application allows both pay and collect. For payments you can choose the different payment methods registered by the user: debit cards, credit, purse, transfers through electronic banking, electronic purses, pay pal, ... To collect there will be several options, one for particular to particular and another mobile POS for businesses and professionals.
Para realizar una transaction, el usuario debe abrir la aplicacion e introducir su contrasena El siguiente paso sera elegir el medio de pago. Una vez seleccionado este, el terminal recibira la information de la transaction por el medio disponible (NFC, escaneo de codigo QR...) y se abrira una pantalla de pago en el terminal con los datos de la operation. Se pide, primero la confirmation del pago y posteriormente la clave de seguridad del medio de pago elegido (PIN, coordenada...). Una vez confirmado el pago, el terminal generara y enviara un codigo al sistema de pago correspondiente para que este procese el pago y envle el mensaje de la transaction al vendedor (bien al TPV, al ordenador o al terminal movil).To perform a transaction, the user must open the application and enter their password. The next step will be to choose the payment method. Once this is selected, the terminal will receive the transaction information by the available means (NFC, QR code scan ...) and a payment screen will open in the terminal with the operation data. It is requested, first the confirmation of the payment and then the security key of the chosen means of payment (PIN, coordinate ...). Once the payment is confirmed, the terminal will generate and send a code to the corresponding payment system so that it can process the payment and send the transaction message to the seller (either to the POS, to the computer or to the mobile terminal).
OPERATIVA OFFLINE: En el caso de no disponer de conexion de datos en el momento de la transaction, el vendedor generara la information de la misma, que sera transmitida o podra ser tecleada en el terminal del comprador. Se generara un codigo de autorizacion que tendra que ser transmitido telefonicamente a la red del medio de pago elegido.OFFLINE OPERATION: In the case of not having data connection at the time of the transaction, the seller will generate the information of the same, which will be transmitted or can be typed in the buyer's terminal. An authorization code will be generated that will have to be transmitted by telephone to the network of the chosen means of payment.
Para la retirada en cajero, se seleccionara en el mismo la option de retirar efectivo con el movil. Tras teclear la identification del usuario (DNI CIF o telefono movil) y solicitar el importe deseado, el cajero generara la information de la retirada y la transmitira al terminal movil (NFC, o escaneo en pantalla del codigo QR, ...) que confirmara la operation (mediante la introduction del PIN) y enviara el mensaje a la red del cajero, la cual validara la operation y transmitira la validation al cajero para que dispense el efectivo.For cashier withdrawal, the option to withdraw cash with the mobile will be selected. After typing the identification of the user (CIF ID or mobile phone) and requesting the desired amount, the cashier will generate the withdrawal information and transmit it to the mobile terminal (NFC, or on-screen scanning of the QR code, ...) to confirm the operation (by entering the PIN) and will send the message to the ATM network, which will validate the operation and transmit the validation to the cashier to dispense the cash.
Claims (2)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| ES201400053A ES2541021B1 (en) | 2014-01-14 | 2014-01-14 | Payment and collection platform through the mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| ES201400053A ES2541021B1 (en) | 2014-01-14 | 2014-01-14 | Payment and collection platform through the mobile terminal |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| ES2541021A1 ES2541021A1 (en) | 2015-07-15 |
| ES2541021B1 true ES2541021B1 (en) | 2016-04-20 |
Family
ID=53525006
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| ES201400053A Active ES2541021B1 (en) | 2014-01-14 | 2014-01-14 | Payment and collection platform through the mobile terminal |
Country Status (1)
| Country | Link |
|---|---|
| ES (1) | ES2541021B1 (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018130728A1 (en) * | 2017-01-15 | 2018-07-19 | Luis Manuel Bejerano Gomez | Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120267432A1 (en) * | 2010-11-12 | 2012-10-25 | Kuttuva Avinash | Secure payments with global mobile virtual wallet |
| US10089606B2 (en) * | 2011-02-11 | 2018-10-02 | Bytemark, Inc. | System and method for trusted mobile device payment |
| KR20110004435U (en) * | 2011-04-15 | 2011-05-04 | 김세종 | Qr the receipt including qr code |
| US9846863B2 (en) * | 2011-11-18 | 2017-12-19 | Ncr Corporation | Techniques for automating a retail transaction |
-
2014
- 2014-01-14 ES ES201400053A patent/ES2541021B1/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| ES2541021A1 (en) | 2015-07-15 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10762406B2 (en) | Secure QR code service | |
| AU2019236733A1 (en) | Transaction Processing System and Method | |
| CN107209889B (en) | Multi-protocol transaction encryption | |
| US20190087815A1 (en) | Digital enablement services for merchant qr codes | |
| CN115907763A (en) | Providing payment credentials to a consumer | |
| CA2946150A1 (en) | Data verification using access device | |
| JP2014513825A5 (en) | ||
| US20140095384A1 (en) | Systems and Methods For In Store Shopping With Instant Cash | |
| EP3295402A1 (en) | Authenticating transactions using risk scores derived from detailed device information | |
| KR102574524B1 (en) | Remote transaction system, method and point of sale terminal | |
| KR20170079154A (en) | Terminal for card payment and method for canceling transaction of card payment thereof | |
| CN107077668B (en) | System and method for providing payment service | |
| KR101834755B1 (en) | System and terminal for card payment, and method for processing card payment thereof | |
| CN114207578A (en) | Mobile application integration | |
| ES2541021B1 (en) | Payment and collection platform through the mobile terminal | |
| US20150073999A1 (en) | Method and system for conducting a payment transaction and corresponding devices | |
| TW201828179A (en) | Method of using mobile device to perform sensing-type bank card payment capable of performing a sensing-type point-to-point data transmission by using a bank card and a mobile device without a card reader or a POS machine | |
| RU2642360C1 (en) | Method of initializing bank transactions without using pos-terminals and system for its implementation | |
| US20140201014A1 (en) | Process for payment by cell phone to a merchant object of the invention | |
| WO2018130728A1 (en) | Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals | |
| CN112136302B (en) | Mobile network operator authentication protocol | |
| US11494756B2 (en) | Payment transactions with integrated point of sale terminals | |
| KR20170133703A (en) | System and method for payment using Internet | |
| WO2015118388A1 (en) | System and method for electronic payment transaction | |
| EA041883B1 (en) | SYSTEM AND METHOD FOR CONDUCTING REMOTE TRANSACTIONS USING POINT OF SALE PAYMENT TERMINAL |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| FG2A | Definitive protection |
Ref document number: 2541021 Country of ref document: ES Kind code of ref document: B1 Effective date: 20160420 |