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WO2018130728A1 - Plate-forme ou procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques - Google Patents

Plate-forme ou procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques Download PDF

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Publication number
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
Authority
WO
WIPO (PCT)
Prior art keywords
payment
payer
information
electronic
devices
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/ES2017/000033
Other languages
English (en)
Spanish (es)
Inventor
Luis Manuel Bejerano Gomez
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to PCT/ES2017/000033 priority Critical patent/WO2018130728A1/fr
Publication of WO2018130728A1 publication Critical patent/WO2018130728A1/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
    • G06Q20/326—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.

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)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne une plate-forme ou un procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques, dans lequel les données de transaction sont transmises au moyen d'un code QR (Bidi), d'un code à barres, d'une communication CCP, d'un système de messagerie ou de tout autre procédé qui permet la transmission desdites données entre les dispositifs et/ou terminaux du vendeur, bénéficiaire ou récepteur et de l'acheteur, payeur ou donneur d'ordre et dans lequel l'acheteur payeur ou donneur d'ordre dispose d'un dispositif et/ou terminal qui reçoit et/ou capture lesdites données, les traite au moyen d'un programme ou d'une application de paiements et ordonne l'exécution de la transaction.
PCT/ES2017/000033 2017-01-15 2017-01-15 Plate-forme ou procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques Ceased WO2018130728A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/ES2017/000033 WO2018130728A1 (fr) 2017-01-15 2017-01-15 Plate-forme ou procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2017/000033 WO2018130728A1 (fr) 2017-01-15 2017-01-15 Plate-forme ou procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques

Publications (1)

Publication Number Publication Date
WO2018130728A1 true WO2018130728A1 (fr) 2018-07-19

Family

ID=62839916

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2017/000033 Ceased WO2018130728A1 (fr) 2017-01-15 2017-01-15 Plate-forme ou procédé de paiements et de recouvrements au moyen de dispositifs, de terminaux mobiles ou électroniques

Country Status (1)

Country Link
WO (1) WO2018130728A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
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 (es) * 2014-01-14 2015-07-15 Luis Manuel BEJERANO GÓMEZ Plataforma de pagos y cobros a través del terminal móvil

Patent Citations (3)

* Cited by examiner, † Cited by third party
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 (es) * 2014-01-14 2015-07-15 Luis Manuel BEJERANO GÓMEZ Plataforma de pagos y cobros a través del terminal móvil

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