OA19519A - Un système de paiement et porte-monnaie électronique. - Google Patents

Abstract

La présente invention se caractérise comme un système de paiement et un porte-monnaie électronique associé à des supports physiques qui peuvent être utilisés pour effectuer des petits paiements. Elle vise à digitaliser les pièces de monnaie face à la pénurie de ces derniers en apportant une innovation dans notre mode de consommation avec un système de paiement beaucoup plus simple et plus rapide sans besoin d'un téléphone et d'un accès internet basé sur des supports physiques. Ces supports sont des stickers autocollants, des bracelets et des porteclés qui peuvent être achetés, activés et rechargés auprès des marchands du systèmes ou directement depuis l'interface « Client ». Ils sont équipés d'une puce NFC et d'un QR-Code imprimé au-dessus.

Description

The present invention relates to a payment system and electronic wallet associated with physical media that are rechargeable and usable at merchants to make small payments.

In recent years, we have seen more and more technical innovations that have given rise to new means of payment and money transfer. This is the case with several mobile payment applications in Africa.

Due to the coin deficit observed in several African countries, none of these actors has really targeted this problem and to date no solution has been found. This generates great losses for merchants and consumers, thus paralyzing several sectors of activity of the local economy such as transport, pharmacies, bakeries, ...

The present invention therefore aims to remedy these drawbacks. More particularly, the present invention aims to provide a payment system and electronic purse associated with rechargeable physical media and which can be used at merchants to make small payments.

DESCRIPTION

Advantageously, the system comprises:

- Rechargeable physical media in the form of self-adhesive stickers, bracelets, key rings, etc. based on dual NFC and QR-Code technology.

- A "Client" interface associated with these physical media for managing the wallet.

- A "Merchant" interface to receive payments for professionals.

Other characteristics and advantages of the invention will become apparent on reading the detailed description which follows, for the understanding of which reference is made to the appended drawings in which:

- Figure I is a representation of the self-adhesive sticker.

- Figure Π is a representation of the bracelet.

- Figure Π is a representation of the key ring.

As shown in the figures, the system consists of a sticker, a bracelet and a key ring on which are printed a QR-Code and which have an integrated NFC chip.

The Sticker is a self-adhesive label that can be affixed directly to the back of the phone, wallet, or the like.

The bracelet is an accessory which can be made of fabric, leather, plastic or metal and which is worn around the wrist.

The key ring is an accessory consisting of a ring and an object that is used to collect the keys.

These media can be purchased, activated and recharged directly from one of the professionals equipped with the "Merchant" interface.

They can also be activated and reloaded from the "Customer" interface.

Thanks to its NFC chip, payments are made contactless very quickly and easily at merchants and between users thanks to the QR-Code.

This dual mode (NFC and QR) brings great innovation to payment methods. On the one hand, it allows merchants to benefit from the speed and simplicity of NFC technology. On the other hand, it also allows users to send and receive with each other using QR code technology.

Each medium contains a unique identification number that will be associated with a user when they register in the system.

For a user, the system consists of obtaining support from a merchant. He then downloads the app for free for los or Android. He creates his account and activates his support if it has not already been done at a merchant. He recharges his account via the integration of mobile money platforms directly from the application. He finally uses his support at all merchants equipped with the system.

The media can be used without the need for a phone and an internet connection.

The system according to the invention is particularly intended for small payments. It can be used in:

- Market sellers

- Shops.

- Superettes

- Pharmacies

- Bakeries

- Transport: bus, taxi, ...

- School canteens

- Etc ...

Claims (6)

1- Payment system and electronic purse, intended for small payments, characterized in that it includes rechargeable physical media, a "Client" interface associated with these media for managing the purse and an "interface" Merchant ”to receive payments for professionals. 2- Payment system and electronic purse according to claim 1 characterized in that said physical media are in the form of self-adhesive stickers, bracelets and key rings having an NFC chip and a QR-Code printed on it. . 3- payment system and electronic purse according to claim 2 characterized in that said media can be used without a telephone and without any internet connection. 4- payment system and electronic purse according to the preceding claims characterized in that said media are rechargeable at merchants or directly from the interface. 5- payment system and electronic purse according to the preceding claims, characterized in that said media can be managed from the “Client” interface: transfer of unit of values between users of the system and to other operators, payment at the premises. merchants, reloading media ... 6- Payment system and electronic wallet according to the preceding claims, characterized in that each medium contains a unique identification number which is associated with a user when registering on the system.