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WO2014063192A1 - Paiements mobiles - Google Patents

Paiements mobiles Download PDF

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Publication number
WO2014063192A1
WO2014063192A1 PCT/AU2013/001228 AU2013001228W WO2014063192A1 WO 2014063192 A1 WO2014063192 A1 WO 2014063192A1 AU 2013001228 W AU2013001228 W AU 2013001228W WO 2014063192 A1 WO2014063192 A1 WO 2014063192A1
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
merchant
computing device
service
mobile electronic
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/AU2013/001228
Other languages
English (en)
Inventor
Andrew Graham
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
JENAND (VIC) Pty Ltd
Original Assignee
JENAND (VIC) Pty Ltd
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 AU2012904662A external-priority patent/AU2012904662A0/en
Application filed by JENAND (VIC) Pty Ltd filed Critical JENAND (VIC) Pty Ltd
Priority to AU2013334480A priority Critical patent/AU2013334480A1/en
Publication of WO2014063192A1 publication Critical patent/WO2014063192A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Definitions

  • the method may include the merchant financial institution transmitting confirmation of settlement to the mobile electronic computing device of the consumer.
  • the consumer account details entered into the device by a consumer are verified by a known verification method.
  • the mobile electronic computing device is a smartphone.
  • merchant details can be acquired by the consumer whilst at the premises of the merchant.
  • the mobile electronic computing device 18 can scan a code, such as a barcode or a Quick Response (QR) code 20, using a camera and a code scanning application of the device 18, or by reading a RFID tag using near field communications (NFC) capabilities of some mobile electronic computing devices 18.
  • a code such as a barcode or a Quick Response (QR) code 20
  • QR Quick Response
  • NFC near field communications
  • FIG 3 shows the sequence of events in accordance with some other embodiments of the payment processing methods of the present invention.
  • step 6 the method includes the merchant financial institution 12 transmitting confirmation of settlement for the product and/or service to the merchant in real time. The merchant can then release the product service to the consumer.
  • Step 7 in FIG 5 corresponds to step 5 for the embodiment shown in
  • step 1 the process in step 1 is the same as step 1 in FIG 2.
  • step 5 the merchant financial institution 12 confirms receipt of payment to the consumer financial institution 14 and in step 6 consumer financial institution 14 confirms to the service provider that payment has been made.
  • the consumer account details are stored securely in the device 18 by any suitable means to maximize physical and logical security and to maintain security of transactions.
  • the consumer account details are stored in a memory of the mobile electronic computing device 18 using a suitably robust encryption standard.
  • a consumer can place their payment card in a secure EFTPOS terminal at a merchant, financial institution or elsewhere.
  • the EFTPOS terminal encrypts the account details for the card and transmits the encrypted account details to a provider, such as an intermediary service provider.
  • the provider creates the unique token which represents the account details.
  • the token in securely transmitted to the consumer's mobile device 8 and the transactions involving the consumer account details via the consumer's mobile device 18 as described herein are conducted using the token.
  • a look up process is then used to obtain the card details from the token to enable the merchant to process the transaction.
  • the host 25B matches the code 20 received from the consumer's mobile device 18 with the pending transaction started by the POS terminal 27.
  • the terminal 26 sends the result of the transaction to the gateway module 38, which posts the result to the host 25B.
  • the host 25B records the result for reporting/audit purposes and can forward the result to the consumer's mobile device 18 using a web-poll technique such that the consumer has an e-receipt on their device 18.
  • offers can be sent to the user's account, for example by email.
  • the user can forward emails comprising offers received from merchants to the user's account thus allowing the user to access and save the email through the application on the user's device 18. If the user receives an email for an offer in a physical store, the user has the option to use the offer through the electronic wallet on their device 18.
  • merchants can send offers to the user's account via a web portal.
  • the offers sent to the user's account are based on an analysis of the user's purchasing history. Offers, such as vouchers or dockets can also be saved to the application on the device 18 by capturing an image of the voucher or docket and saving the image to the application for subsequent use.
  • these embodiments of the present invention are consumer driven rather than merchant driven and the payment process is more efficient for both the merchant and the consumer.
  • the consumer can acquire all the information they want or need about the product service from the code 20, including any discounts or special offers or the like related to the product/service, which the consumer can take advantage of at the time of purchase. Therefore, the merchant requires fewer staff to advise consumers about the product/service.
  • the merchant also has a lower staff overhead at the point of sale/point of interaction because payment has already been processed. For example, the point of sale only needs to check that confirmation of a successful transaction has been received before allowing the consumer to leave with their purchase.
  • the consumer's shopping experience is also enhanced by virtue of the present invention.
  • the merchant can process more consumers thus increasing revenue and because the merchant knows the identity of the consumer, the merchant can target discounts, offers and the like to the consumer via their mobile device 18 whilst the consumer is in store.
  • the consumer is able to manually enter their account details into their mobile device 18, which is a simple and straightforward process and does not require the involvement of a Trusted Service Provider (TSM) as with some of the prior art mobile payment solutions.
  • TSM Trusted Service Provider
  • the present invention is therefore more easily implemented around existing payment infrastructure than competing mobile payment solutions.
  • the terms “user”, “customer” and “consumer” are used interchangeably.
  • the terms “comprise”, “comprises”, “comprising” or similar terms are intended to mean a non-exclusive inclusion, such that a system, method or apparatus that comprises a list of elements does not include those elements solely, but may well include other elements not listed.

Landscapes

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

Abstract

La présente invention concerne des systèmes, des procédés et un appareil de traitement de paiements électroniques, particulièrement pour une utilisation avec des dispositifs informatiques électroniques mobiles de consommateurs tels que des téléphones intelligents. Selon l'invention, des consommateurs font l'acquisition de données concernant des produits/services et des commerçants au moyen de leur dispositif informatique électronique mobile et paient des produits/services au moyen de leur dispositif informatique électronique mobile. Les consommateurs peuvent effectuer des paiements électroniques au moyen d'un portefeuille électronique stocké dans le dispositif informatique électronique mobile du consommateur, le consommateur saisissant les informations confidentielles de paiement, telles que les informations de détails associées à une carte de crédit ou à un compte, et ces dernières informations confidentielles de paiement font l'objet d'une vérification sans qu'il ne soit nécessaire de faire appel à un fournisseur de services de confiance.
PCT/AU2013/001228 2012-10-23 2013-10-23 Paiements mobiles Ceased WO2014063192A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2013334480A AU2013334480A1 (en) 2012-10-23 2013-10-23 Mobile payments

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
AU2012904662 2012-10-23
AU2012904662A AU2012904662A0 (en) 2012-10-23 Consumer activated payments
AU2012904702A AU2012904702A0 (en) 2012-10-26 Mobile payments
AU2012904702 2012-10-26
AU2013900565 2013-02-18
AU2013900565A AU2013900565A0 (en) 2013-02-18 Mobile payments

Publications (1)

Publication Number Publication Date
WO2014063192A1 true WO2014063192A1 (fr) 2014-05-01

Family

ID=50543775

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2013/001228 Ceased WO2014063192A1 (fr) 2012-10-23 2013-10-23 Paiements mobiles

Country Status (2)

Country Link
AU (1) AU2013334480A1 (fr)
WO (1) WO2014063192A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11687933B2 (en) 2018-09-14 2023-06-27 The Toronto-Dominion Bank Electronic account settlement via distinct computer servers
CN118628107A (zh) * 2024-08-12 2024-09-10 山东恒宇电子有限公司 一种基于人工智能和机器视觉的公交收款识别分析方法

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110251892A1 (en) * 2010-04-09 2011-10-13 Kevin Laracey Mobile Phone Payment Processing Methods and Systems
WO2012003024A1 (fr) * 2010-07-02 2012-01-05 Firethorn Mobile, Inc. Système et procédé de gestion de transactions à l'aide de dispositif informatique portable
US20120173351A1 (en) * 2010-12-29 2012-07-05 Qthru, Llc Mobile Electronic Shopping
WO2012116125A1 (fr) * 2011-02-22 2012-08-30 Visa International Service Association Appareils, procédés et systèmes de paiement électronique universel
WO2012135115A2 (fr) * 2011-03-25 2012-10-04 Visa International Service Association Appareils, procédés et systèmes d'achat à une seule source en présence de la personne

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110251892A1 (en) * 2010-04-09 2011-10-13 Kevin Laracey Mobile Phone Payment Processing Methods and Systems
WO2012003024A1 (fr) * 2010-07-02 2012-01-05 Firethorn Mobile, Inc. Système et procédé de gestion de transactions à l'aide de dispositif informatique portable
US20120173351A1 (en) * 2010-12-29 2012-07-05 Qthru, Llc Mobile Electronic Shopping
WO2012116125A1 (fr) * 2011-02-22 2012-08-30 Visa International Service Association Appareils, procédés et systèmes de paiement électronique universel
WO2012135115A2 (fr) * 2011-03-25 2012-10-04 Visa International Service Association Appareils, procédés et systèmes d'achat à une seule source en présence de la personne

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11687933B2 (en) 2018-09-14 2023-06-27 The Toronto-Dominion Bank Electronic account settlement via distinct computer servers
CN118628107A (zh) * 2024-08-12 2024-09-10 山东恒宇电子有限公司 一种基于人工智能和机器视觉的公交收款识别分析方法

Also Published As

Publication number Publication date
AU2013334480A1 (en) 2015-06-04

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