WO2019109153A3 - A mobile wallet solution for facilitating proximity payments - Google Patents

A mobile wallet solution for facilitating proximity payments Download PDF

Info

Publication number
WO2019109153A3
WO2019109153A3 PCT/BN2018/050001 BN2018050001W WO2019109153A3 WO 2019109153 A3 WO2019109153 A3 WO 2019109153A3 BN 2018050001 W BN2018050001 W BN 2018050001W WO 2019109153 A3 WO2019109153 A3 WO 2019109153A3
Authority
WO
WIPO (PCT)
Prior art keywords
customer
mobile
mobile device
proximity payments
merchant
Prior art date
Application number
PCT/BN2018/050001
Other languages
French (fr)
Other versions
WO2019109153A2 (en
Inventor
Mohammad Satria Alam Shah MOHD. SURIA
Original Assignee
Mohd Suria Mohammad Satria Alam Shah
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 Mohd Suria Mohammad Satria Alam Shah filed Critical Mohd Suria Mohammad Satria Alam Shah
Publication of WO2019109153A2 publication Critical patent/WO2019109153A2/en
Publication of WO2019109153A3 publication Critical patent/WO2019109153A3/en

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
    • 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
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes

Landscapes

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

Abstract

Examples of the disclosure describe a mobile wallet solution that facilitates proximity payments. Through a mobile application a merchant uses a mobile device (iOS or Android) to send a payment request to a customer's mobile device (iOS or Android) in the form of an audio signal that is transmitted by a speaker of the merchant's mobile device and picked up by a microphone of the customer's mobile device. The customer's device, with the mobile application installed beforehand, then prompts the customer to either approve or reject the payment request. When the customer approves the payment request, the mobile app will send a request to the customer's bank to transfer funds from the customer's bank account to the merchant's bank account. The proximity payments are made using the mobile devices only without using additional hardware. The proximity payments are facilitated by using face recognition login with the option of adding voice recognition login as an added layer of security.
PCT/BN2018/050001 2017-07-28 2018-09-29 A mobile wallet solution for facilitating proximity payments WO2019109153A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201762538532P 2017-07-28 2017-07-28
US62/538,532 2017-07-28

Publications (2)

Publication Number Publication Date
WO2019109153A2 WO2019109153A2 (en) 2019-06-13
WO2019109153A3 true WO2019109153A3 (en) 2020-02-13

Family

ID=66749898

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BN2018/050001 WO2019109153A2 (en) 2017-07-28 2018-09-29 A mobile wallet solution for facilitating proximity payments

Country Status (1)

Country Link
WO (1) WO2019109153A2 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160063235A1 (en) * 2014-08-28 2016-03-03 Kevin Alan Tussy Facial Recognition Authentication System Including Path Parameters
US9519901B1 (en) * 2015-09-16 2016-12-13 Square, Inc. Biometric payment technology
WO2017006336A1 (en) * 2015-07-09 2017-01-12 Abhishek Kumar A system and method for data communication between computing devices using audio signals

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160063235A1 (en) * 2014-08-28 2016-03-03 Kevin Alan Tussy Facial Recognition Authentication System Including Path Parameters
WO2017006336A1 (en) * 2015-07-09 2017-01-12 Abhishek Kumar A system and method for data communication between computing devices using audio signals
US9519901B1 (en) * 2015-09-16 2016-12-13 Square, Inc. Biometric payment technology

Also Published As

Publication number Publication date
WO2019109153A2 (en) 2019-06-13

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