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1. (WO2017136865) METHOD AND SYSTEM FOR RECEIVING A DEBT PAYMENT
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2017/136865 International Application No.: PCT/AU2016/000035
Publication Date: 17.08.2017 International Filing Date: 10.02.2016
Chapter 2 Demand Filed: 02.06.2017
IPC:
G06Q 20/24 (2012.01) ,G06Q 40/02 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
22
Payment schemes or models
24
Credit schemes, i.e. "pay after"
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Applicants:
CREDIT CLEAR INTERNATIONAL PTY LTD [AU/AU]; 2-4 Douglas Street Southbank, Victoria 3006, AU
Inventors:
MCKENDRICK, Trent; AU
Agent:
PARKER, Nigel, John; Houlihan² Level 1, 70 Doncaster Road Balwyn North Victoria 3104, AU
Priority Data:
Title (EN) METHOD AND SYSTEM FOR RECEIVING A DEBT PAYMENT
(FR) PROCÉDÉ ET SYSTÈME POUR RECEVOIR UN PAIEMENT DE DETTE
Abstract:
(EN) A method of receiving a debt payment comprising sending a message to a debtor mobile computing device comprising a link to a debtor portal; displaying on the debtor mobile computing device an indication of the debt owing; displaying on the debtor mobile computing device a proposed payment plan for settlement of the debt: and receiving an indication that the debtor accepts the proposed payment plan is disclosed. The message sent may be a SMS message and it may include a indication, of the debt owing. The method may further comprise offering a discount to the debtor if the discounted amount is paid that day. The offer of a discount may initiate an automated negotiation process with the debtor.
(FR) L’invention concerne un procédé pour recevoir un paiement de dette, consistant à envoyer un message à un dispositif informatique mobile de débiteur comprenant un lien vers un portail de débiteur ; à afficher sur le dispositif informatique mobile de débiteur une indication de la dette exigible ; à afficher sur le dispositif informatique mobile de débiteur un plan de paiement proposé pour le règlement de la dette ; et à recevoir une indication du fait que le débiteur accepte le plan de paiement proposé. Le message envoyé peut être un message SMS et il peut comprendre une indication de la possession de dette. Le procédé peut en outre consister à offrir un rabais au débiteur si le montant réduit est payé ce jour. L’offre d’un rabais peut initier un processus de négociation automatisé avec le débiteur.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
AU2016392590US20190043034