WO2022125019A1 - Procédé de paiement fractionné et son utilisation - Google Patents

Procédé de paiement fractionné et son utilisation Download PDF

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Publication number
WO2022125019A1
WO2022125019A1 PCT/TR2021/050640 TR2021050640W WO2022125019A1 WO 2022125019 A1 WO2022125019 A1 WO 2022125019A1 TR 2021050640 W TR2021050640 W TR 2021050640W WO 2022125019 A1 WO2022125019 A1 WO 2022125019A1
Authority
WO
WIPO (PCT)
Prior art keywords
amount
split payment
participant
participants
split
Prior art date
Application number
PCT/TR2021/050640
Other languages
English (en)
Inventor
Fatih TOSMUR
Original Assignee
Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi
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
Priority claimed from US17/341,405 external-priority patent/US20220180345A1/en
Application filed by Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi filed Critical Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi
Priority to EP21763424.5A priority Critical patent/EP4055545A1/fr
Publication of WO2022125019A1 publication Critical patent/WO2022125019A1/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
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

La présente invention concerne le domaine technique de la transaction de paiement, et plus particulièrement un procédé de paiement fractionné et son utilisation. Le procédé selon l'invention résout le problème de fractionnement du paiement au moment de la transaction en définissant un mot de passe unique / spécial pour la transaction de paiement au moment de la création de la définition de paiement fractionné. Un paiement fractionné peut être initié avant l'achat, des confirmations pertinentes peuvent être reçues des intervenants, et un paiement fractionné peut être adressé avec un mot de passe défini pour un achat spécifique. L'invention concerne également un mécanisme d'autorisation en temps réel qui permet de fractionner la quantité de paiement entre les intervenants.
PCT/TR2021/050640 2020-12-09 2021-06-23 Procédé de paiement fractionné et son utilisation WO2022125019A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP21763424.5A EP4055545A1 (fr) 2020-12-09 2021-06-23 Procédé de paiement fractionné et son utilisation

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
TR202020100 2020-12-09
TR2020/20100 2020-12-09
US17/341,405 2021-06-08
US17/341,405 US20220180345A1 (en) 2020-12-09 2021-06-08 Split payment method and use thereof

Publications (1)

Publication Number Publication Date
WO2022125019A1 true WO2022125019A1 (fr) 2022-06-16

Family

ID=77595607

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2021/050640 WO2022125019A1 (fr) 2020-12-09 2021-06-23 Procédé de paiement fractionné et son utilisation

Country Status (2)

Country Link
EP (1) EP4055545A1 (fr)
WO (1) WO2022125019A1 (fr)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150242834A1 (en) * 2014-02-21 2015-08-27 HomeAway.com, Inc. Split payment engine and method to facilitate electronic transaction aggregation
US20200265409A1 (en) * 2019-02-19 2020-08-20 Jpmorgan Chase Bank, N.A. Systems and methods to split bills and requests for payment from debit or credit account

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150242834A1 (en) * 2014-02-21 2015-08-27 HomeAway.com, Inc. Split payment engine and method to facilitate electronic transaction aggregation
US20200265409A1 (en) * 2019-02-19 2020-08-20 Jpmorgan Chase Bank, N.A. Systems and methods to split bills and requests for payment from debit or credit account

Also Published As

Publication number Publication date
EP4055545A1 (fr) 2022-09-14

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