PROCESS FOR PAYMENT BY CELL PHONE TO A MERCHANT OBJECT OF THE INVENTION

• US 20140201014A1
• Filed: 01/11/2013
• Published: 07/17/2014
• Est. Priority Date: 01/11/2013
• Status: Abandoned Application

• Current Assignee: Juan Jose Rider Jimenez
• Original Assignee: Juan Jose Rider Jimenez
• Inventors: RIDER JIMENEZ, JUAN JOS
• Application Number:
  US13/739,012
• Publication Number:
  US 20140201014A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices

Abstract

The cell phone user interested in paying for his/her purchases in commercial establishments without the need to physically use a credit card installs in his/her cell phone an mPAY application configured to make payments through the cell phone. The commercial establishment, in which the mPAY customer has made his/her purchase, makes from his/her mPOS application, configured to accept payments from cell phones provided with mPAY, a payment request to the mPAY/mPOS server, which is the remote system which allows asynchronous communication between the mobile payment application of the customer'"'"'s cell phone and the mPOS application of the commercial establishment, sends a PUSH message to the customer'"'"'s cell phone activating therewith the mobile payment application thereof.

Claims

1. A process for payment by cell phone to merchant, characterized in that the user (1) of a cell phone (3) interested in paying for his/her purchases in commercial establishments (2) be these merchant, restaurant, travel agency, repair workshop, industry, etc. without the need to physically use a credit card, installs in his/her cell phone (3) a mobile payment application (4) configured to make payments by phone, and the commercial establishment (2) in which the customer realized payment through his/her cell phone (4) of his/her purchase, makes from its mobile charging application (5), configured to accept payments from cell phones (3) provided with the mobile payment application (4), conducting such commercial establishment a payment request to the mPAY/mPOS server (6), which is the remote system that allows asynchronous communication (7) between the mobile payment application (4) of the cell phone (3) of the customer (1) and the mPOS application (5) of the commercial establishment (2), sends a PUSH message (8) to the cell phone (3) of the customer (1) activating therewith the mPAY application (4) thereof which begins with the authentication of the fact that the holder of that application is the holder of at least one credit card linked to the mPOS/mPAY protocol (9), continuing with the acceptance or denial of the payment (10) by the customer (1) and in the event of accepting, the customer (1) chooses the card with which to make the payment and finally authorises it (11).

2. A process for payment by cell phone to merchants, according to claim 1, characterized in that once all the purchase information has been gathered, both the details of the merchant (amount, merchant code, etc.) and those of the cardholder (card identifier), the server (6) authorizes the payment processing gateway so that it charges (12) for the purchase amount from the card of the customer and pays (13) such amount to the account of the commercial establishment (2).

3. A process for payment by cell phone to merchants, according to claim 1, characterized in that the mPAY/mPOS server (6) informs the commercial establishment (2) of the confirmation, or where appropriate denial, of the payment and in the event of confirmation sends a receipt (14) accrediting the purchase both to the customer and to the establishment. A notification that the transaction has been made successfully for the agreed amount appears on the screen of the cell phone of the seller and of the buyer.

4. A process for payment by cell phone to merchants, according to claim 1, characterized in that in the exchange of information between customer (1) and server (6), the card identification numbers are protected by a specific encryption code per device as well as in masked format.

5. A process for payment by cell phone to merchants, according to claims 1 to 4, characterized in that in a different carrying out from this process, when the two phones are connected, a GPS positioning protocol is activated which compares the location of both, thus guaranteeing that the purchase is in-person and not authorizing the operation if not.

6. A process for payment by cell phone to merchants, according to claims 2 to 5, characterized in that in an alternative carrying out the mobile payment system can function not only in a cell phone but also in a Tablet, iPad, etc. so that the identifier to which we refer for the payment requests, the telephone number, can be extended to the use of other identifiers such as an email.

7. A process for the payment by cell phone to merchants, according to claims 2 to 5, characterized in that in a different carrying out the seller can also access the same mPOS protocol through a POS device.