PROCESS FOR PAYMENT BY CELL PHONE TO A MERCHANT OBJECT OF THE INVENTION
First Claim
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).
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Accused Products
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.
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Citations
7 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).
Specification