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1. WO2020115768 - SYSTEM, DEVICE, AND METHOD FOR TRANSMITTING DATA

Publication Number WO/2020/115768
Publication Date 11.06.2020
International Application No. PCT/IN2019/050888
International Filing Date 05.12.2019
IPC
G06Q 20/30 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
G06Q 20/38 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
38Payment protocols; Details thereof
G06Q 40/00 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Applicants
  • MALHOTRA, Sidhant [IN]/[IN]
Inventors
  • MALHOTRA, Sidhant
  • SINGH, Amarpreet
Agents
  • BAGGA, Rahul
Priority Data
20181103787705.12.2018IN
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM, DEVICE, AND METHOD FOR TRANSMITTING DATA
(FR) SYSTÈME, DISPOSITIF ET PROCÉDÉ DE TRANSMISSION DE DONNÉES
Abstract
(EN)
A payment device, universal card, and a method for processing payments is described. The universal card is a physical card. The universal card and the payment device are linked with all the monetary accounts of a user. The universal card and the payment device can utilize contactless communication technologies such as NFC, EM wave, and RFID for communicating with a payment terminal for processing a payment. The payment device includes an antenna for producing NFC signal and an EM wave. The EM wave can mimic swiping action of a card on a magnetic reader of a PoS device. Application Identifiers (AIDs) of the payment device and the universal card can be changed for making payments at different platforms of mass transit.
(FR)
L'invention porte sur un dispositif de paiement, sur une carte universelle et sur un procédé qui permet de traiter des paiements. La carte universelle est une carte physique. La carte universelle et le dispositif de paiement sont liés à tous les comptes monétaires d'un utilisateur. La carte universelle et le dispositif de paiement peuvent utiliser des technologies de communication sans contact telles qu'une communication NFC, une onde EM et une identification RFID pour communiquer avec un terminal de paiement pour traiter un paiement. Le dispositif de paiement comprend une antenne pour produire un signal de communication NFC et une onde EM. L'onde EM peut imiter l'action de glissement d'une carte sur un lecteur magnétique d'un dispositif de point de vente (PoS). Des identifiants d'application (AID) du dispositif de paiement et de la carte universelle peuvent être changés pour effectuer des paiements sur différentes plates-formes de transport collectif.
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