WO2018047138A1 - Système et procédé pour paiement multimode - Google Patents

Système et procédé pour paiement multimode Download PDF

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Publication number
WO2018047138A1
WO2018047138A1 PCT/IB2017/055483 IB2017055483W WO2018047138A1 WO 2018047138 A1 WO2018047138 A1 WO 2018047138A1 IB 2017055483 W IB2017055483 W IB 2017055483W WO 2018047138 A1 WO2018047138 A1 WO 2018047138A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
item
contact
host
payment request
Prior art date
Application number
PCT/IB2017/055483
Other languages
English (en)
Inventor
Yoel DSOUZA
Zeri DSOUZA
Original Assignee
Dsouza Yoel
Dsouza Zeri
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 Dsouza Yoel, Dsouza Zeri filed Critical Dsouza Yoel
Publication of WO2018047138A1 publication Critical patent/WO2018047138A1/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
    • 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
    • G06Q20/22—Payment schemes or models
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the present invention generally relates to electronic commerce and more particularly, to system and method for providing multiple payment modes for facilitating electronic shopping.
  • Online shopping or electronic shopping has become an essential part of retail sales across the world. Over the years, online shopping has grown in popularity because customers/consumers find this a convenient and easy option of shopping while enjoying the comfort of their home or office. Online shopping websites and mobile applications such as Amazon and Flipkart provide to consumers, easy and round the clock access to various consumer products along with multiple payment options including Credit/Debit Card Payment, Net-banking and Cash-on- Delivery (COD). These websites and applications also provide diversified product details to the consumers, thereby allowing them to directly buy products/services using the Internet. Thus, the online shopping not only provides ease of shopping activities to consumers, but also provides a big platform for vendors to promote and sell their products/services.
  • an object of the invention is to eliminate or at least substantially reduce the limitations of the prior art systems by providing a system and a method for customizing multiple mode payment for online consumers.
  • Another object of the invention is to provide an improved payment system and method that provide multiple modes of payment for online consumers.
  • Yet another object of the present invention is to provide an efficient, secure and flexible payment modes that facilitate distributive payments system/mechanism among multiple customers, through different modes of payment in combination.
  • the invention provides for a system and a method for customizing payment of an online order of at least one item
  • a server is configured to transmit a payment request of the online order of the at least one item.
  • a host-device is configured to receive the payment request of the online order of the at least one item from the server.
  • the host device selects at least one contact from a contact-list that is stored in the host device.
  • the payment request received by the host device is delegated to the selected at least one contact on a recipient device.
  • the recipient-device is configured to: receive the delegated payment request from the host device, and make the payment of the at least one item using at least one mode of payment.
  • Figure 1 is a block diagram of a system for customizing payment of an online order of at least one item, in accordance with the present invention.
  • Figure 2 is a flowchart illustrating the method for customizing payment of the online order of the at least one item, in accordance with one of the embodiments of the present invention.
  • Figure 3 is a flowchart illustrating an order placement by multiple customers, in accordance with one of the embodiments of the present invention.
  • a system and a method for customizing payment of an online order of at least one item are disclosed herein.
  • the invention encompasses a centralized server configured to transmit a payment request of the online order to a host device.
  • the host device further delegates the payment request to a recipient device.
  • At least one contact of a recipient is selected from a contact-list stored in the host device.
  • the payment request is delegated to the selected at least one contact.
  • FIG. 1 illustrates a system [100] for customizing payment of an online order of at least one item.
  • the system [100] comprises a server [102], a host device [104], and a recipient device [106].
  • the server [102], the host device [104] and the recipient device [106] are connected to each other in a communication network such that each of the server [102], the host device [104] and the recipient device [106] may communicate with each other for the purpose of initiating and processing electronic shopping of one or more items.
  • the server [102] is configured to display on the host device [104], via a website, mobile application, and/or other form of communication, several information pertaining to an item for the online shopping.
  • the information pertaining to any item is provided by the vendors to facilitate one or more customers/consumers in creating an online order of a product or service via the host device [104].
  • the server [102] is a centralized server that provides a central location for users for initiating and processing online requests to purchase any product or service required, thereby providing an efficient and convenient service for shopping across the globe. Further, the customers may be provided a few options of either collecting the purchased items from the merchants/vendors store directly, or receiving the delivery of the goods/products via home delivery facilities provided by the vendors.
  • the recipient device [106] is configured to receive the delegated payment request from the host device [104], and to make the payment of the at least one item using at least one mode of payment.
  • the recipient device [106] may also be authorized by the host device [104] to further delegate the payment request to a further selected contact that is stored in the recipient device [106].
  • the payment request is associated with assigning a payment share to each of the selected contact for making the payment of the at least one item.
  • each of the host device [104] and the recipient device [106] is an electronic communication device comprising a processing unit, a data storage unit, and a display unit (not shown).
  • the data storage unit may store data pertaining to the customization of the payment modes according to the embodiments of the present invention.
  • the storage unit may include various forms of media including a computer readable/writeable non-volatile storage medium for storing computer instructions or computer program to be executed by the processing unit.
  • the computer program may include program instructions pertaining to customization of online payment modes.
  • the electronic devices [102], [104] may also include various means and components for managing data transaction between the electronic devices [102], [104].
  • the electronic devices [102], [104] may be equipped with instant messaging platforms to enable the users to exchange messages relating to online purchase of one or more items.
  • each of the host device [102] and the recipient device [104] is configured to implement multiple modes of payment by one or more customers.
  • the customers may be allowed to pay for the ordered products/services through different modes of payment, available with the respective vendors.
  • the modes of payment may include but is not limited to cash on delivery (COD), shopping coupons, net banking, credit cards, debit cards, and electronic wallets.
  • Figure 2 illustrates the method for customizing payment of the online order of the at least one item according to the present invention.
  • the method/process illustrates customization of payment by delegating or distributing the payment request amongst multiple customers in accordance with the present invention.
  • the method of the present invention as described herein includes sharing of the payment of purchased item with at least one other customer.
  • the method can be initiated with selection of certain products/goods/items by a host customer and involve further steps described as follows.
  • the host customer using his/her host device [104], performs checking out from an online shopping website or application to buy any products/goods/items of choice.
  • the checkout step of the host device [104] includes selection of one or more items by the host customer and proceeding to payment step to buy the selected item.
  • a payment request of the online order of the at least one item is transmitted from the server [102] to the host device [104] and subsequently, the host customer is directed to the next interface/display/screen for facilitating payment of the selected item.
  • the payment request is associated with assigning a payment share to each of the selected contact for making the payment of the at least one item.
  • the host customer decides whether or not to make the payment of selected item. If the host customer wishes to make the payment of the item to be purchased, then at step 206, the payment may be processed either by the host customer or by a third party on behalf of the host customer.
  • the third party may include friends, relatives, or colleagues of the host customer who can pay the entire amount of the item when host customer is not available for payment.
  • the host customer does not wish to make the payment of the item to be purchased, then by using the host device [104], at least one contact may be selected from a contact-list and the payment request may be delegated to the selected at least one contact at step 208.
  • the contact-list is stored in the storage unit or memory of the host device [104].
  • the payment request is delegated to the selected at least one contact for sharing the amount to be paid with the selected contact/other customers.
  • the selected at least one contact may also be authorized to further delegate the payment share to a further selected contact that is stored in the recipient device [106].
  • the step 208 therefore includes delegating/distributing or dividing/sharing the amount to be paid, among multiple customers that are selected by the host customer or authorised customers selected by the host to make the payment.
  • the present invention therefore encompasses a flexible approach for delegating and sharing the amount among multiple customers using multiple payment modes.
  • the amount may be equally divided/shared among customers or may vary for various customers who are in the contact list of the host device [104].
  • the payment mode is customized by providing an option to a host customer to delegate or share the payment tasks with another customer(s).
  • various payment mode(s) may be selected by the customer/s, wherein said payment modes may include but not limited to cash on delivery, coupons, payment gateways, wallet/s, etc.
  • the present invention further encompasses the feature of facilitating payment of the item using multiple payment modes according to the convenience of different customers. For instance, in case of multiple customers paying for a single amount, different payment modes may be selected by the different customers to complete the payment. For example, one of the customers may select internet banking option, while another customer may select cash on delivery option. Further, in an exemplary embodiment of the present invention, the customer may decide to pay his share of amount by multiple of payment modes, i.e. the customer may pay a percentage (portion) of his share by cash on delivery mode and remaining amount by the online payment mode.
  • each vendor has to pay a percent per transaction based on the total number of transactions.
  • the vendor who is registered with the system of the present invention, receives the benefit of being charged a lower transaction fees based on accumulative number of payment transactions for multiple vendors who are also registered with the system portal.
  • the present invention encompasses a provision of cost-effective commission slab for the vendors.
  • all payment gateway service charges are solely based on the amount of money transacted along with number of transactions, the customers/vendors can use orders from multiple vendors to lessen down the service fee.
  • the present invention also encompasses a unique 'money transfer' option for transactions, particularly in between the wallets or through VISA payment or MasterCard, wherein said transaction may be performed through various technologies including Internet, Mobile communication, Bluetooth, etc.
  • Step 212 and 214 illustrate making the payment by the customer/s according to the selected payment mode options and completing the online order of the selected item.
  • the host device [104] is notified about the event of the payment being completed by each of the selected at least one contact.
  • the present invention further encompasses a safe, transparent and reliable payment method of online payment customization by enabling a 'refund/return' option in case of an unsuccessful order. This ensures that the payment will be sent/transferred to respective customer's wallet or bank account.
  • Figure 3 is a flowchart illustrating an order placement by multiple customers. More particularly, it represents creating of a single party order by inviting multiple of customers/guests, wherein the payment of the order placed may be customized based on specific customer requirements. For instance, a group of friends purchasing a surprise gift for their friend's birthday may decide to pay their respective share using various payment modes available for the online shopping according to the present invention.
  • a single party order may be placed by the host customer.
  • the host customer using the host device [104], selects at least one product/good/item to be ordered.
  • at least one guest is selected from a list of guests stored in the host device [104] for subsequently inviting for payment of the order placed by the host.
  • each of the selected guest is allowed to modify the ordered product by adding/deleting one or more products/goods/items or the quantities of the party order created.
  • the order may be completed when the host customer makes the payment of the party order. Else, at step 310, the order may be completed by the guests when each of the at least one guest makes the payment of the party order.
  • the payment of the ordered product is completed at step 314 in accordance with the embodiments of the present invention as described earlier.
  • the present invention encompasses a feature wherein the host customer is provided with an option to decide the method/mode of the payment. In other words, the host customer may decide if each individual guest is required to pay the share individually or the entire amount is required to be paid by the host.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé pour personnaliser le paiement d'une commande en ligne d'au moins un article. L'invention englobe un serveur centralisé [102] configuré pour transmettre une demande de paiement de la commande en ligne à un dispositif hôte [104]. Selon les modes de réalisation de la présente invention, le dispositif hôte [104] délègue en outre la demande de paiement à un contact sélectionné sur un dispositif destinataire [106]. Le contact sélectionné reçoit et traite la demande de paiement pour effectuer le paiement du ou des articles en utilisant au moins un mode de paiement.
PCT/IB2017/055483 2016-09-12 2017-09-12 Système et procédé pour paiement multimode WO2018047138A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN201621031122 2016-09-12
IN201621031122 2016-09-12

Publications (1)

Publication Number Publication Date
WO2018047138A1 true WO2018047138A1 (fr) 2018-03-15

Family

ID=61562422

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2017/055483 WO2018047138A1 (fr) 2016-09-12 2017-09-12 Système et procédé pour paiement multimode

Country Status (1)

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WO (1) WO2018047138A1 (fr)

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014052882A2 (fr) * 2012-09-27 2014-04-03 Groupon, Inc. Commande en ligne pour un service en magasin

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014052882A2 (fr) * 2012-09-27 2014-04-03 Groupon, Inc. Commande en ligne pour un service en magasin

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