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1. WO2014108916 - A COMPUTER IMPLEMENTED SYSTEM AND METHOD FOR CASHLESS AND CARDLESS TRANSACTIONS

Publication Number WO/2014/108916
Publication Date 17.07.2014
International Application No. PCT/IN2014/000011
International Filing Date 06.01.2014
IPC
G06Q 20/00 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
G06F 21/00 2013.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
G06Q 20/40 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
CPC
G06F 21/42
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
42using separate channels for security data
G06Q 20/20
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/3227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3227using secure elements embedded in M-devices
G06Q 20/325
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
325using wireless networks
G06Q 20/3276
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
327Short range or proximity payments by means of M-devices
3276using a pictured code, e.g. barcode or QR-code, being read by the M-device
G06Q 20/385
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
385using an alias or single-use codes
Applicants
  • AGASHE, Mandar [IN]/[IN]
Inventors
  • AGASHE, Mandar
Agents
  • MOHAN, Dewan
Priority Data
57/MUM/201308.01.2013IN
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) A COMPUTER IMPLEMENTED SYSTEM AND METHOD FOR CASHLESS AND CARDLESS TRANSACTIONS
(FR) SYSTÈME ET PROCÉDÉ MIS EN OEUVRE PAR ORDINATEUR POUR TRANSACTIONS SANS CARTE ET SANS NUMÉRAIRE
Abstract
(EN) The computer implemented system and method for facilitating cardless and cashless transaction includes a customer interface device cooperating with a transaction server and an One-Time-Password (OTP) generating means which enables the customer to generate and receive a time bound OTP in the first vine. In the second vine, the customer communicates the OTP received in the first vine to the merchant and/or merchant interface device, wherein the merchant interface device is enabled to transmit the OTP to the authorizing interface. Further, the authorizing interface transmits the OTP to the transaction server cooperating with a database vault for validating the transaction and completing the transaction successfully.
(FR) Système et procédé mis en oeuvre par ordinateur pour faciliter une transaction sans carte et sans numéraire, comprenant un dispositif d'interface utilisateur coopérant avec un serveur de transaction et un moyen de création de mot de passe à usage unique (OTP) qui permet au client de créer et recevoir un mot de passe à usage unique lié au temps dans le premier procédé de transaction. Dans le second procédé de transaction, le client communique le mot de passe à usage unique reçu dans le premier procédé de transaction au commerçant et/ou au dispositif interface du commerçant, ce dernier étant autorisé à transmettre le mot de passe à usage unique à l'interface d'autorisation. En outre, l'interface d'autorisation transmet le mot de passe à usage unique au serveur de transaction coopérant avec une base de données pour valider la transaction et achever la transaction avec succès.
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