WO2016085378A1 - Procédé de livraison mobile et système correspondant - Google Patents

Procédé de livraison mobile et système correspondant Download PDF

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Publication number
WO2016085378A1
WO2016085378A1 PCT/SE2015/000073 SE2015000073W WO2016085378A1 WO 2016085378 A1 WO2016085378 A1 WO 2016085378A1 SE 2015000073 W SE2015000073 W SE 2015000073W WO 2016085378 A1 WO2016085378 A1 WO 2016085378A1
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
customer
item
payment
tag
Prior art date
Application number
PCT/SE2015/000073
Other languages
English (en)
Inventor
Mikael Signarsson
Peter FRENDELL
Original Assignee
Seqr Group Ab
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 Seqr Group Ab filed Critical Seqr Group Ab
Priority to EP15863284.4A priority Critical patent/EP3248158A4/fr
Publication of WO2016085378A1 publication Critical patent/WO2016085378A1/fr

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention pertains to a method and a system adapted to the ordering of items from a merchant to a specific location through a coded tag and a cellular device.
  • QR codes QR codes
  • optical readable codes are excellent to utilize in providing a uniform resource locator, URL, to a specific product www information page.
  • a mobile user downloads a general QR scanner to a smartphone, which admits the phone to translate the code into a desired format html, text, or the like.
  • This technology is spreading fast and new innovative usage applications of this technology are appearing, among other payment applications.
  • a general QR scanner opens up a web browser that triggers the link in question.
  • Some companies provide customers with a direct link to a specific product page or offer page, which admits the user to actually interact with an e-commerce system and select a quantity of products as well as providing information about where to deliver the ordered service.
  • the customer could also be offered to choose his preferred means of payment and in some cases also perform such payment by logging on to a web-enabled payment service that would allow the user to authenticate with username + password to complete an order.
  • QR-app Since a conventional QR-app is not limited to purchases the entire process is not very intuitive as it is not designed for effective mobile purchasing. Ordering items through a mobile/cellular phone is typically very "painful", as you are obliged, even if the use of QR code would take you directly to the product page in question to; selecting means of delivery & location to deliver, authenticating through the web for payment service, which not is a very intuitive direct purchase process.
  • the present invention intends to take advantages of the possibilities that barcodes provide to accomplish payments in an innovative manner as described further below.
  • Rosenberg a system for delivering items from a merchant to a customer by a near field communication (NFC) enabled mobile communication. But this application relies on invoices/debit notes to settle a purchase, i.e. no real time settling of the customers and merchants accounts are described in the application to Rosenberg.
  • NFC near field communication
  • the present invention regards a method and a system to a secure, SEQR ®
  • SEQR ® system working name
  • seamless paying process in for instance a store, restaurant, online, and for payment of bills.
  • SEQR ® instant mobile purchase and delivery solution of the present invention a customer has the opportunity to quickly and securely make a mobile purchase.
  • Merchants can quickly and easily with a low cost launch new and innovative instant mobile purchase and delivery, IMPD, services by issuing a SEQR ® payment code which contains all the relevant bill payment information needed.
  • the present invention provides immediate payment, thus
  • the present invention sets forth a method adapted to the ordering of items from a merchant to a specific location through a coded tag and a cellular device, characterized by comprising:
  • the coded tag including at least the merchant identification, and predetermined information about the item, or a reference to it, to be ordered, the merchant identification being issued by the provider of a system for such purpose running the method;
  • a payment switch settling payment between customer and merchant in real time through a network with bank accounts at an ongoing purchase, and acting as a hub for multiple merchants;
  • the merchant payment settlement switch being at least one of a hardware, and a software in an electronic memory
  • the customer reading the coded tag through a cellular device ordering the item, ordering the item through a one way communication from the customer to the merchant by the cellular device, and transmitting the tag information including the merchants identification to the system;
  • the system informing the merchant about the ordering of the item and to which location the item should be delivered, and delivering the item to the location of delivery.
  • the tag is a 2D code or similar.
  • Another embodiment provides that the tag is provided on an electronic screen adjacent to an item for sale to be scanned by the cellular device.
  • the present invention sets forth a system adapted to the ordering of items from a merchant to a specific location through a coded tag and a cellular device, characterized by comprising:
  • a payment switch settling payment between customer and merchant in real time through a network with bank accounts at an ongoing purchase, and acting as a hub for multiple merchants;
  • a database comprising a coded identification of a merchant, and particulars of a customer including a delivery location for a customer ordered item;
  • a merchant payment settlement device being at least one of a physical payment device, and a software in an electronic memory in connection to the merchant managing server, being able to communicate with said payment switch through the communication network;
  • coded tag related to the item, and comprising particulars of the item, or a reference to it;
  • a cellular device to read the particulars of the tag, transmitting the particulars to the switch, ordering the item through a one way communication from the customer to the merchant by the cellular device, the switch determining through authenticating the coded identification of the merchant, and determining the location of where to deliver the item to the customer after authenticating the customer;
  • the switch is a payment switch settling payment between customer and merchant through a network with bank accounts.
  • a further embodiment provides that the tag is a 2D code or similar. Still a further embodiment provides that the tag is provided on an electronic screen adjacent to an item for sale to be scanned by the cellular device.
  • FIG. 1 schematically illustrates a system for secure payment of items through a coded tag, and a cellular device in accordance with the present invention.
  • the present invention regards a method and a system to a secure, SEQR ® (system working name), seamless paying process in for instance a store, restaurant, online, and for payment of bills.
  • SEQR ® system working name
  • seamless paying process in for instance a store, restaurant, online, and for payment of bills.
  • SEQR ® instant mobile purchase and delivery solution of the present invention a customer has the opportunity to quickly and securely make a mobile purchase.
  • Merchants can quickly and easily with a low cost launch new and innovative instant mobile purchase and delivery, IMPD, services by issuing a SEQR ® payment code which contains all the relevant bill payment information needed.
  • the SEQR ® IMPD solution rationalizes the customer experience, authenticates both the merchant and customers as well as automatically knowing where to deliver purchased services or goods.
  • the present invention provides a mobile payment user to; order from virtually anything anywhere, be more obvious to scan QR code for ordering through a mobile payment system, introduce new and innovative manners to order and pay products and services, reduce queuing at busy locations, VIP treatment, not need to sign-up with a merchant, not key in cumbersome payment details, customer information, and the like. It provides confirmation of all payments, full traceability, and digital receipts in the palm of the hand as well as quicker payments.
  • a product is delivered to a home address or a pickup site; a digital content can be delivered to a device, a food order to a table or seat, payment of a bill, ticket, payment and confirmation of an appointment, product outlet scanned when ordered, a purchase of coffee, or other beverage (self service) with printout of a receipt.
  • the present invention communication applies an ordering of an item through a one way communication from the customer to the merchant by the cellular device, i.e. without involving communication from the merchant to the cellular device to accomplish a purchase.
  • the SEQR ® purchase technology of the present invention allows various types of companies to deploy new and innovative ways to sell their goods and services.
  • advertisement of a product with a QR code allows quick checkout and home delivery TV/Print/Online
  • a store can have a QR code in their product display, for instance of a sofa and a customer can quickly order and checkout with home delivery services.
  • a company can send a suggestion for an appointment with a dentist, whereas the customer scans a code, he/she is able to change time/date for appointment and make the payment as he/she wishes to do.
  • Another scenario involves a device for instance a TV, PC, or Xbox ® connected to the Internet through which a customer can receive an offer to buy or rent digital content such as a movie, game, or other services by the device showing a QR-code, whereby there is no need to logon or create an account, but just rent a movie. After payment it is delivered on screen to the device.
  • a restaurant could have a QR-code on every table, which permits a customer to access an order page/menu to be able to make an order, and pay for it including a delivery to the table or to a pick-up address.
  • the expression point of sale is utilized to depict/include the merchant/web shop, and the like, although physically not appearing as a cash register.
  • the POS may thus also be constituted as a software in a merchant/web shop server.
  • a customer at an event having a ticket and a seat at a specific seat number could scan a QR code on the ticket or at and/or on the seat can make an order directly to the seat.
  • a customer could enroll to a customer club at a merchant by scanning a QR code and authorizing the customer club to gain access to information about the customer.
  • a real time purchase of coffee in a convenience store can be achieved, whereby an order is delivered to a cashier or printed out on a printer and post-reported to the cashier.
  • a customer may signup for the mobile payment service, and link his payment option as well as provided home address to the provider of the service. Upon signing-up he/she will be provided the option of linking the mobile payment service to a payment instrument such as for instance a debit or credit account.
  • a mobile/cellular phone, having a camera embedded provides a capability to communicate with a mobile payment service of the present invention. Hence, mobile payment software and secure means of authentication and communication are provided.
  • a QR code generated by a merchant contains a unique merchant identification (ID), issued by the mobile payment service provider, a product or service ID to present a authenticated order page, the type of order delivery such as home shipment, table delivery, self-service, electronic content to the cellular device, or other multiple options for a delivery to a specific site as well as for quantity and other preferences where it is applicable.
  • ID unique merchant identification
  • the type of order delivery such as home shipment, table delivery, self-service, electronic content to the cellular device, or other multiple options for a delivery to a specific site as well as for quantity and other preferences where it is applicable.
  • the cellular mobile payment service in accordance with the present invention requires for instance means to authenticate a merchant, a user, and a secure personal identity (PIN) code signature, a biometric recognition, or a personal code or similar.
  • a mobile/cellular device that is equipped with a camera and having connection to the Internet or similar, whereby application software is installed in the cellular device, which provides capabilities to optically read a code or enter a code linking to an authenticated merchant and product identification.
  • a mobile payment service that is linked to an account, source of funds enabling real-time payments.
  • the mobile payment service is capable of communicating with at least one of a merchant's order management system, content management system, content delivery system, cash register, e-commerce solution, order management system or customer relationship management system or similar systems. Also, the system has capabilities to notify and/or provide a receipt to the customer.
  • the above mentioned elements enables the customer that is registered to a mobile payment system through a cellular device, the means of scanning a code, confirming an order, approve a payment with a PIN, and receive confirmation and delivery as soon as possible, without the need of completing or providing customer information, delivery information, which are time consuming and cumbersome to accomplish on a cellular phone.
  • both customer and merchant are provided a very secure transaction where no special account creation process is required. It is thus appreciated that the present invention communication accomplishes an ordering of an item through a one way communication from the customer to the merchant by the cellular device, i.e. without involving communication from the merchant to the cellular device to accomplish a purchase.
  • SEQR ® system An agreement between the SEQR ® system and a biller to accept SEQR ® payments is required, and the biller is required to provide his bank account information or similar, i.e. where he would like his funds to be paid to. Furthermore, integration with a SEQR ® system payment switch to request payment, sending of a receipt, amount of payment and order ID is provisioned. A product and a catalogue with offers to be presented to customer and ordering mechanism provided by the biller.
  • the biller issues or is provided a SEQR ® purchase QR code to be included on/adjacent to an advertisement (static code), digital channel (dynamic code), table or menu at restaurant (static code), appointment booking (static or dynamic), a product display (static), ticket (static), on wall or counter (static), or by a purchase (static) at a retailer.
  • a merchant has to add a QR code to an advertisement, appointment, menu, table, seat, ticket, online or as digital content or customer sign-up.
  • the QR-code could either be generated as a static code or put on print, containing for instance the below described information, or it could be generated as a dynamic code online to provide information about delivery means.
  • the combination of the various elements of the present invention enables a simple and efficient purchase without requiring any information to be provided by a customer except for a PIN code.
  • a customer does not need to be pre-registered at the merchant, which is very convenient to the customer, and also to the merchant regarding paperwork and/or electronic registration.
  • the present invention leads to increased sales for the merchant due to a simplified acquisition process.
  • the mobile payment system integrates securely to a merchant system, and an ordering process is initiated by a mobile payment switch, which differs from how it is currently accomplished. It should be an optimal way to make a payment where there is no need to login or authenticate with a separate payment process such as for instance current payment procedures through a POS or online on a PC.
  • An important aspect of the present invention is that the location to a delivery of goods or services in one embodiment is contained in the QR code according to the present invention for instant by table number at a restaurant, or a seat number at an event such as a sport or other amusement event. But the customer's home address is never stored in the QR code, but registered in database at the provider of the services of the present invention.
  • Another important aspect of the present invention provides a payment switch settling payment between customer and a merchant in real time through a network with bank accounts at an ongoing purchase, i.e. no invoices or debit notes are needed when delivering items.
  • Fig. 1 schematically illustrates a system for the purpose of providing the ordered goods or services, provided by the present invention, to perform methods of an order and/or purchase described above.
  • a cellular device in the context is any kind of device capable of wireless radio communication, through a cellular network run as 2G, 2,5G, 3G, 4G and possible future versions of networks, cellular devices could be of the type a cellular phone, I phone ®, I pad ®, androids, personal digital assistant (PDA) and the like.
  • PDA personal digital assistant
  • Fig. 1 schematically illustrates a system 18, 21 , 24, 34, 36, which manages purchases and ordering of services to collect an item ordered by a customer.
  • Double pointed arrows depicted in Fig. 1 indicate a two way communication by the system, and single pointed a one way communication.
  • the customer to order an item is equipped with a cellular device 10 with a display screen 12 having the capability to read/scan/footage 15 a coded tag 14 adhered to the item or adjacent to it as for instance any type of 2D codes 14 such as a QR code.
  • the tag 14 embeds information about the item, and a unique identification code assigned to the specific merchandiser providing an item to be ordered and delivered to a location desired by the customer.
  • a tag 14 can be attached or adjacent to a physical item such as a table or menu in a restaurant, an item shown online with a tag 14, shown on TV, PC, with an on screen tag 14.
  • a cellular phone 10 is able to read a 2D code on an electronic screen.
  • the customer cellular device 10 when a customer purchases or orders an item, the customer cellular device 10 reads the tag 14 by a software application and hardware, ordering the item through a one way communication from the customer to the merchant by the cellular device 10, and the information on the tag is automatically transmitted/communicated 16, to a mobile payment service management system switch 18 which checks 20 in a database (DB) if the customer is registered in the system and identifies the merchant, and at which location the item should be delivered for instance delivered to a TV as a movie, a meal delivered to a table, a seat at an event or any physical location stored in the DB 21 regarding the customer.
  • DB database
  • the system switch 18 also acts as payment switch settling payment between customer and merchant management server 24 in real time through a network with bank accounts at an ongoing purchase, i.e. no debit notes/invoices are transferred between customer and merchant, which is further elaborated below.
  • the management server can for instance house/store a web shop or other purchase information. It is appreciated that the switch can handle/manage many different merchants and their management servers 24.
  • the switch 18 constitutes a hub for the entire system. The hub being managed by a third party with regard to the customer and merchant, thus avoiding that every merchant has an application program (app).
  • the system looks up 22 the merchant's product and service code, and the customer is redirected 26 to the merchant's product and offer code through for instance an Internet call.
  • the cellular device 10 pay button is pushed and the order is completed 28 through Internet.
  • FIG. 1 illustrates one embodiment of the present invention.
  • Another embodiment comprises that communication 22, 26, 28 is abandoned, and all communication between the cellular device 10, switch 18, and merchant management server 24 is uphold through the cellular connection 16, and communication channel 30, whereas the switch 18 communicates with the DB and Banks through channels 20, 32a, 32b.
  • a merchant management server 24 in connection with the payment settlement switch 18.
  • the payment switch 18 can constitute at least one of a physical payment device such as a hardware and/or a software in an electronic memory being able to communicate with the server 24, and other devices in the system as follows.
  • the merchant transmits 30 a payment request to the payment switch 22, whereby the switch 18 transmits 16 a payment request to the customer device 10. Then, the customer approves the order by entering a PIN code communicating 16 it to the switch 18, thus approving a possible withdraw from an account assigned to the customer, and the customer signature is approved 20 by the DB 21.
  • the customer bank account or similar is debited 32a as well as the merchants bank account or the like is credited 32b. Customer and merchant are notified 16, 30 regarding the settlement of accounts. Thereafter, the merchant delivers the ordered item, as defined, to a location appreciated by the customer.
  • the merchant has a delivery list 40 of an order for instance telling the merchant where to deliver the item such as to a customer home address or as a pick-up in a store, to a table or a seat, confirmation of payment, an electronic ticket, a confirmation of an
  • a means to deliver the item to a customer could for instance be the Internet, cellular network, manual delivery depending on the type of the item, which can be a service such as pay per view, software program, electronic ticket or a tangible item and other possible items to buy or receive for free.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé et un système conçus pour la commande d'articles auprès d'un commerçant pour livraison en un lieu spécifique par l'intermédiaire d'une étiquette codée (14) et d'un dispositif cellulaire (10). Un dispositif cellulaire (10) d'un client lit un code à barres 2D (14) placé sur ou adjacent à l'article, ledit code comportant une information concernant l'article, et une identification codée identifiant le commerçant fournissant ledit article. Le dispositif cellulaire (10) transmet la commande de l'article à un système conçu à cet effet, en passant une commande de l'article par une communication unilatérale entre le client et le commerçant au moyen du dispositif cellulaire (10), permettant au système d'informer le commerçant de la commande de l'article, et d'effectuer sa livraison au lieu spécifié de la demande.
PCT/SE2015/000073 2014-11-26 2015-11-26 Procédé de livraison mobile et système correspondant WO2016085378A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP15863284.4A EP3248158A4 (fr) 2014-11-26 2015-11-26 Procédé de livraison mobile et système correspondant

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SE1400562-3 2014-11-26
SE1400562 2014-11-26

Publications (1)

Publication Number Publication Date
WO2016085378A1 true WO2016085378A1 (fr) 2016-06-02

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EP (1) EP3248158A4 (fr)
WO (1) WO2016085378A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023053061A1 (fr) * 2021-09-29 2023-04-06 Sava Zivanovic Système et procédé d'achat rationalisé

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Publication number Priority date Publication date Assignee Title
US20020152128A1 (en) * 2001-04-13 2002-10-17 Charles Walch System and method for delivery of remotely ordered items
US20060271437A1 (en) * 2005-05-26 2006-11-30 Maggio Frank S System and method for home product delivery
US20080238610A1 (en) * 2006-09-29 2008-10-02 Einar Rosenberg Apparatus and method using near field communications
WO2013115703A2 (fr) * 2012-02-03 2013-08-08 Seamless Distribution Ab Procédé de livraison par l'intermédiaire d'un téléphone mobile et système correspondant
WO2014104971A1 (fr) * 2012-12-26 2014-07-03 Oneempower Pte Ltd Système de récompense de transaction

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US20050203854A1 (en) * 2004-02-23 2005-09-15 Pitney Bowes Incorporated Method and system for using a camera cell phone in transactions

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Publication number Priority date Publication date Assignee Title
US20020152128A1 (en) * 2001-04-13 2002-10-17 Charles Walch System and method for delivery of remotely ordered items
US20060271437A1 (en) * 2005-05-26 2006-11-30 Maggio Frank S System and method for home product delivery
US20080238610A1 (en) * 2006-09-29 2008-10-02 Einar Rosenberg Apparatus and method using near field communications
WO2013115703A2 (fr) * 2012-02-03 2013-08-08 Seamless Distribution Ab Procédé de livraison par l'intermédiaire d'un téléphone mobile et système correspondant
WO2014104971A1 (fr) * 2012-12-26 2014-07-03 Oneempower Pte Ltd Système de récompense de transaction

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023053061A1 (fr) * 2021-09-29 2023-04-06 Sava Zivanovic Système et procédé d'achat rationalisé

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EP3248158A1 (fr) 2017-11-29

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