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1. WO2015152948 - SYSTEMS AND METHODS OF GENERATING AND PROCESSING PAYMENT TRANSACTION USING ALTERNATE CHANNELS AND PAYMENTS MODE

Publication Number WO/2015/152948
Publication Date 08.10.2015
International Application No. PCT/US2014/033805
International Filing Date 11.04.2014
IPC
G06Q 20/12 2012.01
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
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/36 2012.01
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
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
G06Q 30/06 2012.01
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
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
CPC
G06Q 20/10
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
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/12
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
12specially adapted for electronic shopping systems
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 20/40
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
Applicants
  • NUSPAY INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • MANSUR, Abul, Md.
Agents
  • FOSTER, David, C.
Priority Data
61/972,28029.03.2014US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS OF GENERATING AND PROCESSING PAYMENT TRANSACTION USING ALTERNATE CHANNELS AND PAYMENTS MODE
(FR) SYSTÈMES ET PROCÉDÉS DE GÉNÉRATION ET DE TRAITEMENT DE TRANSACTION DE PAIEMENT PAR CANAUX ET MODES DE PAIEMENT ALTERNÉS
Abstract
(EN)
Systems and methods generate and process payment transactions using a virtual account for payment transaction which is generated and transmitted to a customer registered mobile device. The virtual account with a limited lifetime with single or multi use purpose is created for the associated bank account number and generated on-demand by the registered customer upon authentication which may be communicated using SMS, IVR, USSD, Mobile Apps, Smart Apps or NFC protocols to the registered mobile number for immediate use for payments which can be used for online purchasing, peer to peer payments, automatically read-out or to manually enter at a point of sale. The system also creates virtual point of sale (POS) to a substitute for hardware based POS payment devices during check out at a physical store to facilitate for accepting payments in different modes.
(FR)
L'invention concerne des systèmes et des procédés permettant de générer et traiter des transactions de paiement à l'aide d'un compte virtuel pour transaction de paiement qui est générée et transmise à un dispositif mobile enregistré de client. Le compte virtuel, à durée de vie limitée, à utilisation unique ou à multi-utiisation, est créé pour le numéro de compte bancaire associé, et est généré à la demande par un client enregistré lors d'une authentification qui peut être communiquée, par SMS, USSD, VIR, des applications mobiles, des applications intelligentes ou des protocoles NFC, au numéro de mobile enregistré en vue d'une utilisation immédiate pour des paiements, qui peut être utilisé pour effectuer des achats en ligne, des paiements poste à poste, pour effectuer un affichage automatique ou une saisie manuelle au niveau d'un point de vente. Le système crée également un point de vente virtuel (POS) pour un substitut pour des dispositifs de paiement de point de vente sur la base de matériel pendant une vérification au niveau d'un magasin physique afin de faciliter l'acceptation des paiements dans différents modes.
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