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1. WO2014111888 - MOBILE PAYMENT SYSTEM

Publication Number WO/2014/111888
Publication Date 24.07.2014
International Application No. PCT/IB2014/058355
International Filing Date 17.01.2014
IPC
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
H04W 12/06 2009.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
WWIRELESS COMMUNICATION NETWORKS
12Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
06Authentication
CPC
G06Q 20/322
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]
G06Q 20/3272
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
3272using an audio code
G06Q 20/40
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
40Authorisation, 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
H04W 12/0608
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US]
Inventors
  • BADENHORST, Cornelius Johannes
Priority Data
2013/0045317.01.2013ZA
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) MOBILE PAYMENT SYSTEM
(FR) SYSTÈME DE PAIEMENT MOBILE
Abstract
(EN) A method and system for performing mobile payment transactions is presented. According to one aspect, a mobile communications device application may be configured to capture data relating to a mobile payment transaction, modulate the captured data into an audio stream capable of being transmitted over an audio communications channel, establish an audio communications channel with a secure banking server by placing a telephone call to the secure banking server, and transmit the audio stream over the audio communications channel to the secure banking server.
(FR) La présente invention a trait à un procédé et à un système qui permettent de réaliser des transactions de paiement mobile. Selon un aspect, une application de dispositif de communication mobile peut être conçue pour capturer des données relatives à une transaction de paiement mobile, pour moduler les données capturées afin d'obtenir un flux audio pouvant être transmis sur un canal de communication audio, pour mettre en place un canal de communication audio avec un serveur bancaire sécurisé grâce à un appel téléphonique passé au serveur bancaire sécurisé, et pour transmettre, sur le canal de communication audio, le flux audio audit serveur bancaire sécurisé.
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