WO2018130728A1 - Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals - Google Patents
Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals Download PDFInfo
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- WO2018130728A1 WO2018130728A1 PCT/ES2017/000033 ES2017000033W WO2018130728A1 WO 2018130728 A1 WO2018130728 A1 WO 2018130728A1 ES 2017000033 W ES2017000033 W ES 2017000033W WO 2018130728 A1 WO2018130728 A1 WO 2018130728A1
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- WO
- WIPO (PCT)
- Prior art keywords
- payment
- payer
- information
- electronic
- devices
- Prior art date
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Classifications
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- 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
- G06Q20/326—Payment applications installed on the mobile devices
Definitions
- o Adapters SumUp, Square, tZeetle, ... that through a hardware allow converting the mobile terminal into a POS.
- the idea is based on the principle of "you do not charge me, I pay you ** , for which there is no transfer of the data of the payment method of the buyer, payer or payer to the seller, beneficiary or recipient.
- the seller, beneficiary or recipient it issues the information of the transaction and includes the information of where the payment or transfer should be made, and it is the paying or ordering buyer who, using the means of payment he selects, performs the same.
- the seller, beneficiary or receiver either from its tpv, virtual tpv, computer or from a mobile and / or electronic device and / or terminal generates the transaction / operation information (which may contain the seller's name, tax ID, address, telephone number, email address, date and time of the transaction, description, amount, taxes, and bank account details, tpv id, .., for payment of the amount thereof).
- the transaction / operation information which may contain the seller's name, tax ID, address, telephone number, email address, date and time of the transaction, description, amount, taxes, and bank account details, tpv id, .., for payment of the amount thereof).
- the device and / or terminal of the seller, beneficiary or receiver processes this information, which is encrypted (using a communication standard such as CSV - Comma Separated Val ⁇ es) and generates a file that transmits, either through a QR Code (Bidi), either using NFC technology or any other available that allows the transmission of information between devices and / or terminals.
- a communication standard such as CSV - Comma Separated Val ⁇ es
- QR Code either using NFC technology or any other available that allows the transmission of information between devices and / or terminals.
- the buyer, payer or payer must have a program or application installed on his device and / or terminal to carry out transactions.
- the buyer, payer or payer opens the program or application, scans the QR Code (Bidi), or captures the information, or receives the information using NFC technology or any other that allows the transmission of it, and orders payment to through the selected means of payment, directly according to the instructions sent by the seller, beneficiary or payer (account, tpv ).
- the application itself will send a communication to the seller, beneficiary or payer with the status of the transaction (OK, operation rejected, error ).
- the novelty of the system is its philosophy, which is based on changing the way of making commercial transactions, by changing the way of making the payment.
- the merchant, beneficiary or recipient is the one that processes the transaction and obtains data from the payment system of the payer.
- Trade is the one that charges.
- the novelty of this system is that it is the buyer, payer or payer who orders the payment, not transferring the bank details, the card used ....
- the buyer, payer or payer is the one who orders the payment.
- a program or application downloadable on electronic devices, with a support website. This application will be developed for the different operating systems (Windows, iOS, Android, Windows Mobile, ...) and will be downloadable through the different stores of the operators. You can also go pre-installed in the new terminals and devices.
- the application allows both pay and collect. For payments you can choose the different payment methods registered by the user: debit cards, credit, purse, transfers, electronic banking, electronic purses, ... To collect there will be several options, one for private individuals and one for Shops and professionals.
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- 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)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals, wherein the transaction information is transmitted by means of a (two-dimensional) QR code, a bar code, NFC, a messaging system or any other method that allows said information to be transmitted between the devices and/or terminals of the vendor, beneficiary or recipient and that of the buyer, payer or sender, the buyer, payer or sender having a device and/or terminal that receives and/or captures said information, processes same by means of a payment program or application and orders the transaction to be executed.
Description
PLATAFORMA O PROCEDIMIENTO DE PAGOS Y COBROS A TRAVÉS DE DISPOSITIVOS. TERMINALES MÓVILES O PLATFORM OR PROCEDURE OF PAYMENTS AND CHARGES THROUGH DEVICES. MOBILE TERMINALS OR
ELECTRÓNICOS ELECTRONICS
OBJETO DE LA INVENCIÓN OBJECT OF THE INVENTION
La presente invención consiste en una plataforma o procedimiento, que permite realizar pagos a través de un dispositivo electrónico, se basa en la emisión por parte del vendedor, beneficiario o receptor, de la información de la transacción en un formato que pueda ser transmitido en códigos QR (Bidi), códigos de barras, sistemas de mensajería, utilizando la tecnología NFC (Near Field Communications) o cualquier otro método que permita la transmisión de dicha información. Incrementa la seguridad en la transacción, al basarse ésta en el pago por el comprador, pagador u ordentante, no el cobro por el vendedor, beneficiario o receptor. No se produce traspaso de información del medio de pago utilizado entre las partes. The present invention consists of a platform or procedure, which allows payments to be made through an electronic device, based on the issuance by the seller, beneficiary or recipient of the transaction information in a format that can be transmitted in codes QR (Bidi), barcodes, messaging systems, using NFC (Near Field Communications) technology or any other method that allows the transmission of such information. It increases the security in the transaction, since it is based on the payment by the buyer, payer or originator, not the charge by the seller, beneficiary or recipient. There is no transfer of information on the means of payment used between the parties.
Se trata de una plataforma de pagos basada en la transmisión de la información de cobro por parte del vendedor, beneficiario o receptor y no de la información de pago del comprador, pagador u ordenante, en la que los medios utilizados no cambian, pero lo que sí que cambia, es la forma de utilizarlos, tanto en compras físicas como virtuales a través de e-commerce, pagos a las administraciones.... It is a payment platform based on the transmission of the collection information by the seller, beneficiary or recipient and not the payment information of the buyer, payer or payer, in which the means used do not change, but what yes that changes, is the way to use them, both in physical and virtual purchases through e-commerce, payments to administrations ....
ANTECEDENTES DE LA INVENCIÓN BACKGROUND OF THE INVENTION
El pago por móvil está en pleno auge y son muchos los que están desarrollando este servicio.
Las alternativas actuales de pago por móvil se pueden clasificar en: Mobile payment is booming and many are developing this service. Current mobile payment alternatives can be classified into:
o Intermediarios: Pay-pai..., o Intermediaries: Pay-pai ...,
o Adaptadores: SumUp, Square,tZeetle,... que mediante un hardware permiten convertir el terminal móvil en un TPV. o Adapters: SumUp, Square, tZeetle, ... that through a hardware allow converting the mobile terminal into a POS.
o Micro Pagos, por SMS, Premium SMS o Micro Payments, by SMS, Premium SMS
o Tarjetas "electrónicas**. Kuapay, Visa Wallet, ...Hacen del terminal una tarjeta NFC (o QR) que realizan el pago por el medio tradicional, facilitando la información del medio de pago para que el vendedor cobre el importe. Esto no supone ningún avance para el usuario en cuanto a seguridad, y además no integra todos los medios de pago en una única App. o "Electronic cards **. Kuapay, Visa Wallet, ... They make the terminal an NFC (or QR) card that makes the payment by the traditional means, providing the information of the payment method so that the seller charges the amount. This It does not imply any progress for the user in terms of security, and also does not integrate all payment methods into a single App.
o Monederos electrónicos: Google Wallet,... o Electronic wallets: Google Wallet, ...
o Retirada de efectivo en cajeros sin tarjeta: PayBoxMe, Hal Cash,... o Iniciativas que no son propiamente medios de pago, como Apple Passbook. o Cash withdrawal at ATMs without a card: PayBoxMe, Hal Cash, ... o Initiatives that are not properly means of payment, such as Apple Passbook.
Un antecedente a esta invención, es la Patente nacional de España N° 201400053, en este caso se introducen importantes mejoras que amplían esta patente, asi: An antecedent to this invention is the Spanish National Patent No. 201400053, in this case important improvements are made that extend this patent, thus:
1. - en esta sólo se podía usar esta plataforma a través de dispositivos móviles, ampliando ahora su uso a cualquier dispositivo y/o terminal móvil y/o electrónico, 1. - this platform could only be used through mobile devices, now extending its use to any device and / or mobile and / or electronic terminal,
2. - también se amplia el modo en que la información se transmite, y por último, 2. - the way in which information is transmitted is extended, and finally,
3. - el terminal recibe y/o capta la información, en lugar de leerla como se reivindicaba en esta patente anterior, para el procesado de la misma.
DESCRIPCIÓN PE LA INVENCIÓN 3. - The terminal receives and / or captures the information, instead of reading it as claimed in this previous patent, for processing it. DESCRIPTION PE THE INVENTION
Plataforma o procedimiento que permite realizar pagos, tranferencias, a través de un dispositivo y/o terminal, electrónico y/o móvil, basada en la emisión por parte del vendedor, beneficiario o receptor de la información de la transacción y para el cobro en un formato que pueda ser transmitido en códigos QR (Bidi), códigos de barras, sistemas de mensajería, utilizando la tecnología NFC (Near Field Communications) o cualquier otro método que permita la transmisión de dicha información, incrementando la seguridad en la transacción, al basarse ésta en el pago por el comprador, pagador u ordenante, no el cobro por el vendedor, beneficiario o receptor. No se produce traspaso de información del medio de pago utilizado entre las partes. Se trata de una plataforma de pagos basada en la transmisión de la información de cobro por parte del vendedor, beneficiario o receptor, no de la información de pago del comprador, pagador u ordenante, en la que los medios utilizados pueden no cambiar, pero lo que si que cambia, es la forma de utilizarlos, tanto en compras físicas como virtuales a través de e- commerce, pagos a las administraciones.... Platform or procedure that allows payments, transfers, through a device and / or terminal, electronic and / or mobile, based on the issuance by the seller, beneficiary or recipient of the transaction information and for the collection in a format that can be transmitted in QR codes (Bidi), bar codes, messaging systems, using NFC (Near Field Communications) technology or any other method that allows the transmission of said information, increasing the security in the transaction, based on this in the payment by the buyer, payer or payer, not the charge by the seller, beneficiary or recipient. There is no transfer of information on the means of payment used between the parties. It is a payment platform based on the transmission of payment information by the seller, beneficiary or recipient, not the payment information of the buyer, payer or payer, in which the means used may not change, but what that if that changes, is the way to use them, both in physical and virtual purchases through e-commerce, payments to administrations ....
La idea se basa en el principio de "no me cobras, te pago**, por el que no hay transferencia de los datos del medio de pago del comprador, pagador u ordenante al vendedor, beneficiario o receptor. El vendedor, beneficiario o receptor emite la información de la transacción e incluye la información de dónde se debe realizar el pago o transferencia, y es el comprador pagador u ordenante el que, utilizando el medio de pago que seleccione, realiza el mismo.
El vendedor, beneficiario o receptor, bien desde su tpv, tpv virtual, ordenador o desde un dispositivo y/o terminal móvil y/o electrónico genera la información de la transacción / operación (que puede contener nombre del vendedor, identificación fiscal, dirección, número de teléfono, dirección de correo electrónico, fecha y hora de la transacción, descripción, importe, impuestos, y datos de la cuenta bancaria, id del tpv,.., para el abono del importe de la misma). El dispositivo y/o terminal del vendedor, beneficiario o receptor procesa esta información, que se codifica (mediante un estándar de comunicación como puede ser CSV - Comma Separated Valúes) y genera un fichero que transmite, bien mediante un Código QR (Bidi), bien utilizando la tecnología NFC o cualquier otra disponible que permita la transmisión de la información entre los dispositivos y/o terminales. El comprador, pagador u ordenante, tiene que tener instalado en su dispositivo y/o terminal un programa o aplicación para poder realizar transacciones. El comprador, pagador u ordenante abre el progama o la aplicación, escanea el Código QR (Bidi), o captura la información, o recibe la información utilizando la tecnología NFC o cualquier otra que permita la transmisión de la misma, y ordena el pago a través del medio de pago seleccionado, directamente según las instrucciones enviadas por el vendedor, beneficiario o pagador (cuenta, tpv...). Una vez realizado el pago o transacción, la propia aplicación, enviará una comunicación al vendedor, beneficiario o pagador con el estado de la transacción (OK, operación rechazada, error...) The idea is based on the principle of "you do not charge me, I pay you ** , for which there is no transfer of the data of the payment method of the buyer, payer or payer to the seller, beneficiary or recipient. The seller, beneficiary or recipient it issues the information of the transaction and includes the information of where the payment or transfer should be made, and it is the paying or ordering buyer who, using the means of payment he selects, performs the same. The seller, beneficiary or receiver, either from its tpv, virtual tpv, computer or from a mobile and / or electronic device and / or terminal generates the transaction / operation information (which may contain the seller's name, tax ID, address, telephone number, email address, date and time of the transaction, description, amount, taxes, and bank account details, tpv id, .., for payment of the amount thereof). The device and / or terminal of the seller, beneficiary or receiver processes this information, which is encrypted (using a communication standard such as CSV - Comma Separated Valúes) and generates a file that transmits, either through a QR Code (Bidi), either using NFC technology or any other available that allows the transmission of information between devices and / or terminals. The buyer, payer or payer, must have a program or application installed on his device and / or terminal to carry out transactions. The buyer, payer or payer opens the program or application, scans the QR Code (Bidi), or captures the information, or receives the information using NFC technology or any other that allows the transmission of it, and orders payment to through the selected means of payment, directly according to the instructions sent by the seller, beneficiary or payer (account, tpv ...). Once the payment or transaction is made, the application itself will send a communication to the seller, beneficiary or payer with the status of the transaction (OK, operation rejected, error ...)
Se trata de un software que facilita la transaccionalidad segura, preservando los datos de los medios de pago del comprador (ya sea en compras físicas, por internet, pagos a las administraciones publicas....) It is a software that facilitates secure transactionality, preserving the data of the buyer's means of payment (whether in physical purchases, online, payments to public administrations ...)
No es un intermediario de pagos, si no una plataforma, un agregador de medios de pago.
Lo más novedoso del sistema es ia filosofía del mismo que se basa en cambiar la forma de realizar las transacciones comerciales, al cambiar la forma de hacer el pago. Hasta ahora al hacer una compra o transferencia, el comercio, beneficiario o receptor es el que procesa la transacción y obtiene datos del sistema de pago del pagador. El comercio es ei que cobra. La novedad de este sistema es que es el comprador, pagador u ordenante el que ordena el pago, no produciéndose transferencia de los datos bancarios, de la tarjeta utilizada.... El comprador, pagador u ordenante es el que ordena el pago. It is not a payment intermediary, if not a platform, a means of payment aggregator. The novelty of the system is its philosophy, which is based on changing the way of making commercial transactions, by changing the way of making the payment. Until now, when making a purchase or transfer, the merchant, beneficiary or recipient is the one that processes the transaction and obtains data from the payment system of the payer. Trade is the one that charges. The novelty of this system is that it is the buyer, payer or payer who orders the payment, not transferring the bank details, the card used .... The buyer, payer or payer is the one who orders the payment.
Además, permite basarse en una primera etapa en la generación de códigos QR para lo que solo son precisas actualizaciones de software, en ningún caso de hardware (y también podrá utilizar la tecnología NFC-o cualquier otra que permita la transmisibüidad de la información entre dispositivos- en cuanto ei hardware necesario esté implantado de forma efectiva o cualquier otro medio de transmisión de la información entre los terminales del vendedor y del comprador), no se utilizan intermediarios y no hay limitaciones al medio de pago. In addition, it allows to rely on a first stage in the generation of QR codes for which only software updates are required, in no case of hardware (and you can also use NFC-technology or any other that allows the transmission of information between devices - as soon as the necessary hardware is effectively implemented or any other means of transmission of information between the terminals of the seller and the buyer), intermediaries are not used and there are no limitations on the means of payment.
DESCRIPCIÓN DE UNA FORMA DE REALIZACIÓN PREFERIDA DESCRIPTION OF A PREFERRED EMBODIMENT
Se trata de una plataforma o procedimiento de pagos que se basa en la transmisión de la información del vendedor, beneficiario o receptor y de la transacción ai comprador, pagador u ordenante para que éste pueda ordenar la transacción.
Un programa o una aplicación descargable en los dispositivos electrónicos, con una web de soporte. Esta aplicación será desarrollada para los distintos sistemas operativos (Windows, iOS, Android, Windows Mobile, ....) y será de descargable a través de las distintas tiendas de los operadores. También podrá ir preinstalada en los nuevos terminales y dispositivos. It is a payment platform or procedure that is based on the transmission of information from the seller, beneficiary or recipient and the transaction to the buyer, payer or payer so that he can order the transaction. A program or application downloadable on electronic devices, with a support website. This application will be developed for the different operating systems (Windows, iOS, Android, Windows Mobile, ...) and will be downloadable through the different stores of the operators. You can also go pre-installed in the new terminals and devices.
Tras descargarse un programa o aplicación y darse de alta en el servicio, el usuario introducirá sus datos y los vinculará con su dispositivo. La aplicación permite tanto pagar como cobrar. Para pagos se podrán elegir los distintos medios de pago dados de alta por el usuario: tarjetas de débito, crédito, monedero, transferencias, banca electrónica, monederos electrónicos,... Para cobrar habrá varias opciones, una para particular a particular y otra para comercios y profesionales.
After downloading a program or application and signing up for the service, the user will enter their data and link it with their device. The application allows both pay and collect. For payments you can choose the different payment methods registered by the user: debit cards, credit, purse, transfers, electronic banking, electronic purses, ... To collect there will be several options, one for private individuals and one for Shops and professionals.
Claims
REIVINDICACIONES
1- Plataforma o procedimiento de pagos y cobros a través de dispositivos, terminales móviles o electrónicos, caracterizado porque el vendedor, beneficiario o receptor, introduce la información de la transacción en un código de barras, código QR (Bidi) o transmitiéndolo usando la tecnologia NFC, sistemas de mensajería u otro método que permita la comunicación entre el dispositivo del vendedor beneficiario o receptor y el del comprador, pagador u ordenante. 1- Platform or payment and collection procedure through devices, mobile or electronic terminals, characterized in that the seller, beneficiary or receiver, enters the transaction information in a barcode, QR code (Bidi) or transmitting it using the technology NFC, messaging systems or other method that allows communication between the device of the beneficiary or recipient seller and that of the buyer, payer or payer.
2.- Plataforma o procedimiento de pagos y cobros a través de dispositivos, terminales móviles o electrónicos, en todo de acuerdo con la reivindicación anterior, caracterizado porque esta información, al ser recibida y/o captada por el dispositivo móvil y/o electrónico del comprador, pagador u ordenante con un programa o una aplicación de pagos, de banca móvil, banca electrónica, monedero, monedero electrónico y /o cualquier otro medio de pago, procesa la orden de pago y ordena ejecutar la transacción.
2.- Platform or procedure of payments and collections through devices, mobile or electronic terminals, in all in accordance with the previous claim, characterized in that this information, upon being received and / or captured by the mobile and / or electronic device of the Buyer, payer or payer with a payment program or application, mobile banking, electronic banking, wallet, electronic wallet and / or any other means of payment, processes the payment order and orders to execute the transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/ES2017/000033 WO2018130728A1 (en) | 2017-01-15 | 2017-01-15 | Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/ES2017/000033 WO2018130728A1 (en) | 2017-01-15 | 2017-01-15 | Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2018130728A1 true WO2018130728A1 (en) | 2018-07-19 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/ES2017/000033 WO2018130728A1 (en) | 2017-01-15 | 2017-01-15 | Platform or method for making payments and collections by means of devices, mobile terminals or electronic terminals |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2018130728A1 (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20130132234A1 (en) * | 2011-11-18 | 2013-05-23 | Ncr Corporation | Techniques for automating a retail transaction |
| US20140279506A1 (en) * | 2013-03-14 | 2014-09-18 | Bank Of America Corporation | User interface for mobile payment via transfer network |
| ES2541021A1 (en) * | 2014-01-14 | 2015-07-15 | Luis Manuel BEJERANO GÓMEZ | Payment and payment platform through the mobile terminal (Machine-translation by Google Translate, not legally binding) |
-
2017
- 2017-01-15 WO PCT/ES2017/000033 patent/WO2018130728A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20130132234A1 (en) * | 2011-11-18 | 2013-05-23 | Ncr Corporation | Techniques for automating a retail transaction |
| US20140279506A1 (en) * | 2013-03-14 | 2014-09-18 | Bank Of America Corporation | User interface for mobile payment via transfer network |
| ES2541021A1 (en) * | 2014-01-14 | 2015-07-15 | Luis Manuel BEJERANO GÓMEZ | Payment and payment platform through the mobile terminal (Machine-translation by Google Translate, not legally binding) |
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