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1. (WO2019028481) MOBILE PAYMENT SYSTEM
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2019/028481 International Application No.: PCT/ZA2017/050041
Publication Date: 07.02.2019 International Filing Date: 03.08.2017
IPC:
G06Q 40/02 (2012.01) ,G06Q 20/32 (2012.01) ,G06Q 20/38 (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
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
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
30
characterised by the use of specific devices
32
using wireless devices
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
38
Payment protocols; Details thereof
Applicants:
JUST PAY (PTY) LTD. [ZA/ZA]; 21 Mandy Road, Reuven, Booysens 2091 Johannesburg, ZA
Inventors:
SIVERTSEN, Svenn, Sivert; ZA
WILKES, Albert; ZA
Agent:
HAHN & HAHN; 222 Richard Street Hatfield 0083 Pretoria, ZA
Priority Data:
Title (EN) MOBILE PAYMENT SYSTEM
(FR) SYSTÈME DE PAIEMENT MOBILE
Abstract:
(EN) Details of a monetary transaction to be completed are entered into an electronic device of the seller at the point of purchase, after which a mobile device of the buyer is presented. If both the device of the buyer and seller are NFC-enabled, the cellular telephone is placed close to the electronic device of the seller and the monetary value of the goods and/or services to be purchased in transferred to the cellular telephone via NFC. If the cellular telephone is able to access a server of the system a credit data package request in the form of a credit request data package is sent from the cellular telephone to the server. The credit request data package includes at least data regarding the monetary value and data identifying the buyer and the seller.
(FR) Selon la présente invention, des détails d'une transaction monétaire à réaliser sont entrés dans un dispositif électronique du vendeur au point d'achat, après quoi un dispositif mobile de l'acheteur est présenté. Si à la fois le dispositif de l'acheteur et le vendeur sont activés pour utilisation de NFC, le téléphone cellulaire est placé à proximité du dispositif électronique du vendeur et la valeur monétaire des biens et/ou services à acheter est transférée au téléphone cellulaire par NFC. Si le téléphone cellulaire est capable d'accéder à un serveur du système, une demande de paquet de données de crédit sous la forme d'un paquet de données de demande de crédit est envoyée du téléphone cellulaire au serveur. Le paquet de données de demande de crédit comprend au moins des données concernant la valeur monétaire et des données identifiant l'acheteur et le vendeur.
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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, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, 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 Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (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)