WO2013127579A1 - Procédé de paiement mobile par le biais de dispositifs mobiles - Google Patents

Procédé de paiement mobile par le biais de dispositifs mobiles Download PDF

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Publication number
WO2013127579A1
WO2013127579A1 PCT/EP2013/051432 EP2013051432W WO2013127579A1 WO 2013127579 A1 WO2013127579 A1 WO 2013127579A1 EP 2013051432 W EP2013051432 W EP 2013051432W WO 2013127579 A1 WO2013127579 A1 WO 2013127579A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
transaction
mobile
gate
pos
Prior art date
Application number
PCT/EP2013/051432
Other languages
English (en)
Inventor
Levent BERKMAN
Original Assignee
Softtech Yazilim Teknolojileri Arastirma Gelistirme Ve Pazarlama Ticaret A.S.
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Softtech Yazilim Teknolojileri Arastirma Gelistirme Ve Pazarlama Ticaret A.S. filed Critical Softtech Yazilim Teknolojileri Arastirma Gelistirme Ve Pazarlama Ticaret A.S.
Publication of WO2013127579A1 publication Critical patent/WO2013127579A1/fr

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
    • 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

Definitions

  • Mobile payment methods are developing as alternative to payment transactions, such as cash, checks, bills, debit and credit cards.
  • NFC Near Filed Communication
  • RFID Radio-Frequency Identification
  • Bluetooth Bluetooth technologies which includes the related card information transfer pathways to POS via labels, barcodes, chips or flash memories.
  • Figure 1 Substructure of an embodiment of The Mobile Payment System
  • Figure 2 Substructure of an embodiment of The Mobile Payment System
  • Figure 3 Substructure of an embodiment of The Mobile Payment System
  • VPOS Virtual POS
  • the invention a method provides a transaction payment with an application works on mobile device and a physical or virtual POS system without using a plastic card.
  • customer For payment of the transaction, customer opens MA (6) and enters matchless customer number and PIN.
  • the matchless information of customer number and PIN reaches to CIG (2) through HTTPS.
  • CIG (2) Aftertes the customers with this information, takes the customers card information from IB (4) and transfers to mobile device.
  • the transferred card number could be included masked card number, card limit, bonuses and the statement date.
  • POS (5) transfers the matchless information which includes the Terminal Identification, System Trace Audit Number (STAN), and the amount to PG (3). This operation keeps on PG (3) as pending operation.
  • El (10) forms, which includes the following information or more; me amouni of the transaction, Terminal Identification and STAN. El (10) could be "QR Code", two- dimensional barcode or an encrypted (or not) visual or audial formed by another method.
  • MA (6) in MD (1 ) reads El (10) which forms on POS (5) screen and separates the information.
  • MA (6) transfers the corresponding operation information to CIG (2).
  • the corresponding information could be include; related card data, Terminal Identification, STAN and the amount of the transaction.
  • CIG (2) finds the related card number and transfers to PG (3) with the information come from MA (6).
  • PG (3) finds the corresponding pending operation and transfers all operation information to POS (5).
  • POS (5) with all operation information and currently employed POS payment algorithm, makes the payment of the transaction through AB (7) with operation information.
  • AB (7) transfers the payment result information to POS (5).
  • POS (5) printed out the result of the payment, it forwards the result information to PG (3).
  • PG (3) is capable to send this information through "push notification” or SMS to MA (6).
  • virtual POS when customer arrives the payment step of the online-shopping, virtual POS (9) transfers the matchless information which includes the Terminal Identification, System Trace Audit Number (STAN), and the amount to PG (3). This operation keeps on PG (3) as pending operation.
  • El (10) which forms for that transaction only, disappears on interface of user virtual POS, which includes the following information or more; the amount of the transaction, Terminal Identification and STAN.
  • El (10) could be "QR Code", two-dimensional barcode or an encrypted (or not) visual or audial formed by another method.
  • the matchless information of customer number and passcode reaches to CIG (2) through HTTPS.
  • CIG (2) verifies the customers with this information, takes the customers card information from IB (4) and transfers to mobile device.
  • the transferred card number could be including masked card number, card limit, bonuses and the statement date.
  • MPA (1 ) in MD (1 ) reads El (10) which forms on virtual POS (5) screen and separates the information.
  • MA (6) transfers the corresponding operation information to CIG (2).
  • the corresponding information could be include; related card data, Terminal Identification, STAN and the amount of the transaction.
  • CIG (2) finds the related card number and transfers to PG (3) with the information come from MA (6).
  • Pu (o imus me corresponding pending operation and transfers all operation information to virtual POS (9). Then, with the information comes from virtual POS (9), and currently employed POS payment algorithm, makes the payment of the transaction through AB (7).
  • AB (7) transfers the payment result information to virtual POS (9).
  • Virtual POS (9) shows the result of the payment, it forwards the result information to PG (3).
  • PG (3) is capable to send this information through "push notification” or SMS to MA (6).
  • Customer opens MA (6) and enters matchless customer number and PIN.
  • the matchless information of customer number and PIN reaches to CIG (2) through HTTPS.
  • CIG (2) verifies the customers with this information, takes the customers card information from IB (4) and transfers to mobile device.
  • the transferred card number could be including masked card number, card limit, bonuses, the statement date or more.
  • MA (6) in MD (1 ) reads El (10) which pre-published over physical material, virtual or audial broadcasting and separates the information. Any additional information could be entered over MA (6).
  • MA (6) transfers the corresponding operation information to CIG (2).
  • the corresponding information could be include; related card data, Terminal Identification, STAN and the amount of the transaction.
  • CIG (2) finds the related card number and transfers to PG (3) with the information come from MA (6).
  • PG (3) finds the corresponding pending operation and transfers all operation information to virtual POS (9). Then, with the information comes from virtual POS (9), and currently employed POS payment algorithm, makes the payment of the transaction through AB (7).
  • AB (7) transfers the payment result information to virtual POS (9).
  • Virtual POS (9) shows the result of the payment, it forwards the result information to PG (3).
  • PG (3) is capable to send this information through "push notification" or SMS to MA (6).

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne un procédé de paiement mobile qui est conçu pour faciliter un paiement par le biais d'une procédure de clé, existant dans des points de vente (POS) physiques, et qui a été généré en tant qu'alternative à des procédés de transaction de paiement employés actuellement, tels que : des cartes de crédit et de débit qui comprennent la nécessité de les transporter toutes ensemble. Le procédé couvre essentiellement la transformation des informations de transaction à la source d'association de transactions (banque émettrice) par une application sur des dispositifs mobiles utilisés couramment au lieu de cartes de crédit et de débit en plastique, et une simple intégration sur des systèmes de transaction POS actuels.
PCT/EP2013/051432 2012-02-28 2013-01-25 Procédé de paiement mobile par le biais de dispositifs mobiles WO2013127579A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2012/02259 2012-02-28
TR2012/02259A TR201202259A2 (tr) 2012-02-28 2012-02-28 Mobil cihazlar üzerinden mobil ödeme.

Publications (1)

Publication Number Publication Date
WO2013127579A1 true WO2013127579A1 (fr) 2013-09-06

Family

ID=47666105

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2013/051432 WO2013127579A1 (fr) 2012-02-28 2013-01-25 Procédé de paiement mobile par le biais de dispositifs mobiles

Country Status (2)

Country Link
TR (1) TR201202259A2 (fr)
WO (1) WO2013127579A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9530289B2 (en) 2013-07-11 2016-12-27 Scvngr, Inc. Payment processing with automatic no-touch mode selection
US11481754B2 (en) 2012-07-13 2022-10-25 Scvngr, Inc. Secure payment method and system

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050009564A1 (en) * 2003-03-19 2005-01-13 Sony Corporation Communication system, settlement management apparatus and method, portable information terminal and information processing method, and program
US20110276418A1 (en) * 2010-05-07 2011-11-10 S1 Corporation Apparatus, System and Method For Purchaser to Business Payments

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050009564A1 (en) * 2003-03-19 2005-01-13 Sony Corporation Communication system, settlement management apparatus and method, portable information terminal and information processing method, and program
US20110276418A1 (en) * 2010-05-07 2011-11-10 S1 Corporation Apparatus, System and Method For Purchaser to Business Payments

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11481754B2 (en) 2012-07-13 2022-10-25 Scvngr, Inc. Secure payment method and system
US9530289B2 (en) 2013-07-11 2016-12-27 Scvngr, Inc. Payment processing with automatic no-touch mode selection

Also Published As

Publication number Publication date
TR201202259A2 (tr) 2012-12-21

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