• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    System and procedure for collections and payments using qr codes. The operation to which the invention refers especially requires a previous registration in the server and a verbal agreement between seller and buyer to pay with this service through devices with internet connection and qr code readers. The seller logs into the server with his username and password (1) and enters the data of that sale. Receive a unique, personal and temporary qr code (3). The buyer identifies himself on the server before or after reading the qr code and chooses the payment method (2). The seller offers the code to the buyer (4) to scan it (5). The customer confirms the payment (6) and the server makes the transaction (7) requesting confirmation of available credit (8). The server responds affirmatively or negatively to the transaction both to the buyer (9) and to the seller. (Machine-translation by Google Translate, not legally binding)
    公开号:ES2541692A1
    申请号:ES201400057
    申请日:2014-01-22
    公开日:2015-07-23
    发明作者:Alejandro MORALES HERNÁNDEZ
    申请人:Alejandro MORALES HERNÁNDEZ；
    IPC主号:
    专利说明:

    System and procedure of collections and payments using QR codes. Technical Field:
    The object of the present invention is a collection and payment procedure based on QR codes and the form of its implementation. State of the prior art:
    The document US2012316950 or W02012167361, system or method of argumentation of sales after the flow of data with information of the transaction. Systems and methods for capturing transaction data from sales of printed data stream after being processed by a POS system, the captured data can be collected before they have been transmitted to a POS printer. The data transaction capture can be analyzed and encoded in a transaction, identifying an optical scanned image as a QR code or other barcode, one or more NFC commands can transmit the data of the transaction capture via an NFC.
    The TW201135619 document and electronic transaction system using a QR code. The present invention discovers an electronic transaction method and system using a QR code, where the user uses a portable electronic device to retrieve the QR code of that merchandise, to obtain verification of the transaction address through a compilation and connecting to the payment server of an electronic transaction terminal. The electronic transaction terminal checks each item of data in accordance with the certificate of the user's QR code and the mobile telephone number of the portable electronic device and carries out the verification of the identification of the sale information. When a credit card is used for payment, the combination of the credit card and the number is carried out with a bank credit guarantee in accordance with the information constructed by the certified user of the OR code to present the credit card number. Full credit to the credit card processing center to carry out the authorization.
    Document US201213454971 or W02013163103, operating method a retail store with a mobile application for a search of products available but not displayed in the store.
    US2013117181 system and method of processing gift cards using scannable codes.
    US2013166441 disposable instant payment card. It is a disposable payment card that when scanning the code facilitates an activation or financing of a payment card, it can be used as a credit card or the merchant reads the QR code that has it.
    The document W02013149578 or US2013262309 methods and system for secure payment by mobile. A system and method to direct a secure payment using mobile communication devices. It comprises: creating a primary and secondary user account in a central processing server, where the first user account comprises pairing a first mobile communication device with the user of the first account generated by the central processing server and a second device , a QR code for a second user capturing and decoding the QR code of the first mobile communication apparatus, transmitting the decoded information with a security PIN given to the first user by the central processing server. About verification and confirmation of the user.
    The document US2013054413 method and system for contactless payments. A contactless payment system for the transaction of goods (example restaurant). It comprises generating a total purchase invoice associated with a consumer to the contactless payment system, associating a unique RFID tag identifier or QR code with the total invoice, transmitting the total invoice and associating a unique identifier to the network. of accessible payment from the consumer and receiving payment from the consumer according to the total bill. The consumer presents the payment using a contactless device allowed as a smartphone, the device allowed without contact can ask the RFID tag or read the QR code to receive a unique identifier and a payment link network, in addition to the contactless device allowed submit a payment transaction request to the payment network where the payment transaction request includes a unique identifier and an identifying account, the payment network receives a payment transaction requirement and locates the total invoice using a unique identifier as a key .
    The document US2012203693 systems and methods to facilitate secure transactions.
    A system for secure transactions receives an authorization required by a mobile device, the mobile device having received the authorization required by a scan of a QR code and / or other encrypted data. The system processes the required authorization using one or more transaction accounts that are paired with the mobile device and transmits a response indicating the approval or denial of the required authorization.
    The document US2013110727 techniques for processing mobile transactions. Techniques for processing automatic mobile transactions are provided. A consumer crosses a web portal or other type of terminal device of a company and proceeds to buy.
    During the transaction, the portal contacts the transaction service and returns an identifier barcode or a QR code, the consumer uses the mobile device to scan the code and sends it to the transaction service. Previously the registered payment details of the consumer will be located and the payment will be made by the consumer, the portal will be notified that the payment will be completed by the transaction service.
    The document KR20120119568 electronic payment transfer system between the terminals using 2-dimensional codes. An information transfer system for electronic payment between terminals that use an image code that will be presented to transmit electronic payment information that includes access to information from a card company server for payment approval from a first terminal to A second terminal. Constitution the first terminal of a user initiates the electronic payment by selecting a credit card and a specific company and an option to purchase the product, the second terminal generates the payment information requirement. The first server of the merchant presents the payment which the first terminal of the user accesses the server of the merchant selects a product through the page and begins the electronic payment. A card company server performs payment approval of the card company selected by the first terminal.
    The document KR201300000n system for Online / Offline payment using NFC mobile phones and therefore its method. Purpose: an online or offline payment system using a portable terminal close to the communication field, and the same method is provided to allow reading an RFID tag, a bar code or a QR payment to the portable terminal on a product or a menu, thus receiving a product or service from an offline business during payment.
    The document KR20120088965 method and apparatus for payment using a mobile phone.
    Purpose: a payment method using a mobile device and a similar device will be provided for the use of personal information stored in a mobile device for payment, therefore making simple and secure payments.
    Document US2012267432 secure payments with global and virtual mobile wallet. It is a mobile payment system to facilitate a secure financial transaction. Using a mobile and non-mobile interface for physical and online transaction points using standard procedures for various national and international circumstances. The system involves uses of specific QR code configuration which will be visualized by the payer and scanned for payment or using an application or software specially configured to work on the smartphone or a computerized device. The QR code will communicate an identification code to the beneficiary and instructions to start the payment transaction, the application interprets the QR code and the data contained in it to complete the payment transaction according to the instructions.
    Document US2012209630, system and method for the payment of trust between mobile devices. This invention relates to secure payments using visible data codes on a mobile device, for example a QR code displayed on a cell phone. The invention establishes a third-party transaction service that protects the payment information owned by the customer (eg credit card number) while ensuring the merchant a symbolic payment (for example a QR code that will represent a valid payment).
    EP2549421 or US2013024379 method and apparatus for the transfer of an amount of money using a two-dimensional image code. From the display of the receiving part, of the two-dimensional code, it will send an encrypted SMS message to the management part including the data contained in the two-dimensional image code.
    The document KR20120093662 payment method with credit card and a smartphone purchase system. A mobile device automatically recognizes the information of a merchant associated with wireless communication technology, the device confirms a price, the mobile securely transmits available credit card approval information and the information to the card issuing company. Approval is given with a barcode or QR that is transmitted and displayed as an image or stored as an RFID.
    The document US2013132234 techniques for automatic retail transaction.
    Retail transaction techniques are provided. A customer of a business will be provided with an account to present a transaction with the retail seller, the invoice will include a barcode or a QR code encoded in it, the customer using the mobile device will scan the code, the mobile device will connect Automatically with the mobile transaction service and complete the payment details by the customer, the retail seller's system will be notified that the payment has been received and the transaction is completed. The project includes a barcode or a QR, the customer with his device scans the code, and the device automatically connects to a mobile transaction service and completes the payment, who notifies the merchant that it has been made.
    The document KR20130114461 QR code information transfer system and QR code bluetooth transfer information delivery method and bluetooth portable transfer equipment.
    The document W020 13144930 method and system for making payments using barcode scanning. A method that facilitates a transaction comprising and generating a unique transaction identifier that identifies the transaction that will be performed between the merchant and the user, the unique transaction identifier will be included in the barcode preferably a QR code, an image of codes of bar will be displayed by the user who wishes to make the transaction, the medium includes for example the web page or a paper receipt using a scanning application on the user's mobile device, the barcode image is scanned using a camera or a mobile device for extracting and transmitting a unique transaction identifier to an information service financial institution. In the financial institution of the information service the transaction data is generated which includes payment information. The data transaction is transmitted to the user's mobile device or to another computerized mobile device. The information of the service of the financial institution receives a confirmation message of the transaction from the user and transmits the payment details to the payment door or to the merchant.
    Document AU2012217606 method and system of payment photo taking device.
    SNAP transforms the merchant's product by generating a QR in real time through photo taking components in purchase notification transaction of a virtual card-based wallet. In a personification the taking of photos obtains a photo of the QR code presented on a screen of a device at a point of sale of a mobile device. The photo capture decodes the QR code to obtain the product information including the transaction required by the user and the merchant information to process the user acquisition transaction with the merchant that provides the QR code. Taking photos accesses the virtual user's portfolio to obtain the account information and proceed to the user's purchase transaction with the merchant. Using the product information, merchant information and user account information, taking photos generates a request for a letter of authorization which takes photos on a network to process the transaction. Also the taking of photos obtains a purchase receipt confirming the user's purchase transaction process.
    The document KR20120093596 system and method to transfer money using OTP and QR code. Purpose: online account transfer system using QR code and an OTP mobile, and a similar method will be provided to improve security and convenience, generating transfer information and transfer information time as a QR code on a blank server and generating an OTP encoding the QR code with a mobile terminal. Constitution: a blank terminal accesses a module, receives user authentication information and transaction information from the user, the bank server access module transmits the information received to a QR code generator module, if the information User authentication is valid, the QR code generator module generates an RN, the QR code generator module transmits the transaction information and time information to a standard OTP generator module, the standard OTP generator module generates a Standard OTP and transmits the OTP to an approved OTP module.
    The document US2013256403 system and method to facilitate secure transactions for the payment of retail merchandise. Arranged here are several manifestations for systems and methods of verification of purchases of goods and services. In accordance with the manifestations of the invention a method for verifying the purchase using a mobile electronic device in wireless communications with a payment verification system and a code generating system will be provided. The method included in these steps will be receiving a purchase item from a consumer information identifier; again receiving a payment from a consumer information identifier assuming the purchase of the item by the acquirer, processing the information identifier of the item for purchase and the payment information identifier assuming and generating a unique QR code indicating the purchase of a item,
    sending a unique QR code to a mobile to present by the consumer to the seller for the item to acquire.
    The document US8556164 or US201213524683 transaction specific codes. Codes such as the QR code will be printed on a transaction receipt or displayed on a display unit of a workstation or a self-service device (eg an ATM) to provide the user with additional promotions or present an error that may have occurred during the transaction. The code will be unique to the transaction and generated for the transaction apparatus during the transaction, the code may encode unique information for the transaction as a unique identifier generated for the transaction apparatus that links the code to a storage apparatus by storing additional information about the transaction. Users can use the code to obtain additional promotions information or to contact a service agent to resolve errors.
    WO-A-9933034 indicates a procedure for billing internet services by mobile telephony.
    Document WO-A99 / 03243 describes a system and a procedure for managing transactions in which a mediation server is located between the server and a client station.
    WO-A-9834203 describes a system for making a financial transaction through an interface for reading an electronic card. This form of payment is similar to that used by Google with its NFC system, with a chip that comes standard installed in the phones.
    WO-A-96125828 describes a tele-payment procedure in a service station.
    WO-A-96/13814 describes a card payment system with a semiconductor chip.
    Document BRPll04862 describes an integrated quick purchase system via QR code decoding, only through mobile devices. This system only offers a list of products to buy in a store without offering a payment and payment gateway.
    In our invention, consumers should only be pre-registered (prior registration) thus preventing the mobile device from requiring a connection to a credit card or a bank, nor having to exchange personal data between users as a key or a
    PIN
    For security reasons and to facilitate the use of people, it will not be necessary to install any specific computer software on the users' equipment, nor any additional hardware or device. It is also not necessary to use a mobile phone number or SIM card as a security protocol (thus avoiding being restricted to a single device). In US2012267432 it is detailed that a special software application must be used. The present invention does not use NFC or Bluetooth technology. It does not require a fixed code of any kind.
    In the patent US2012203693 they based the security of the operations by pairing them with a single mobile phone, while the present system is open to any type of electronic device capable of connecting to the server and reading a QR code, since the server is the one who performs all the recognition process and payment process (when all operations are performed on the server). An invoice is not linked in any way to a consumer, nor are RFID tags used, as in US2013054413).
    In the system detailed in the patent KR20120088965 information is stored in the mobile, a fact that this invention avoids for reasons of security against possible loss or theft. It is not necessary to introduce bank or card data in each operation, nor have to access a card server or encrypt card data (with the risk involved). In the same way, SMS instant messaging is not used due to the delay and cost of the service, in addition to the possible permanence in the message device.
    This invention is not intended for the display of product information or listings of products.
    This invention is not intended for the display of product information or listings thereof. Its purpose is also not to act as gift or disposable cards.
    The payment of small amounts in shops is usually made in cash, due to the cost of credit card terminals commonly called dataphones or Point of Sale Terminals (POS), with the result that businesses usually require a minimum to pay through them; Some shops do not have POS for the cost of installation and maintenance.
    These and other difficulties limit the development of electronic commerce in SMEs and Autonomous; The purpose of the present invention is precisely to remedy these difficulties.
    The procedure to be patented is differentiated by the fact that it includes a QR code to carry out monetary transactions between a seller who uses an electronic terminal with access to the Internet, capable of printing the QR code on screen or paper and a customer with a terminal of similar characteristics capable to read it
    QR codes were designed for use in the automotive industry for easy reading, to track and control at different stages. It is an open source encryption system through an image with patterns, which have been given a lot of uses, although the potential of this technology is not fully exploited, which has a high numerical variability of codes. Exhibition of the invention:
    As it has been seen in the prior art, an attempt has been made to achieve a payment method or method, there are several similarities, but our invention is to achieve it in the simplest and shortest way, while maintaining security.
    To use the service, both the seller and the customer must register in advance, providing personal information at that time to perform the operations.
    For this purpose, the invention proposes firstly to use by the seller or merchant and by the buyer particular devices that we will call "Terminals" being these mobile, PDA, pocket pc's, computer equipment, tablets or similar, with internet connection and the ability to interact in said system, without having to have installed in said terminal, any additional hardware or software, just an internet browser and a QR code reader program, which are usually installed as standard or provided free of charge.
    This system is based on a form of telematic payment adapted to the use of new technologies, to make secure payments and offer a stable and economical service, using a QR code, it is
    that is, by means of an encrypted system, communication is made between the final consumer and the seller.
    The service is hosted on servers, where the application and databases are located, as well as all the other protocols and modules necessary for the system to work.
    The security in these processes is guaranteed, given that the firmness of the system adds the uniqueness that the generated QR codes are unique on each occasion and expire within a few minutes, in addition to compliance with the requirements of the Data Protection Law (Organic Law 15/1999, of December 13 on the Protection of Personal Data) of the Spanish General Courts, Exhibition of particular modes of realization:
    Our system includes users, buyers and sellers who previously make a registration and fulfill the legal requirements to carry out commercial operations.
    Both terminals must enter our server through the website using HTTPS or secure hypertext transfer protocol, they must be identified in the system with their unique username and personal private key (process called "login" "login" or "logged in "). This is the first procedure in a series that offers the transaction the necessary level of security.
    Once the seller has been accepted, I have identified in the system, logged in, enter the data of the sale and its amount. The system automatically generates and responds to the seller with a QR chart, this code is personal, unique and temporary (with a short expiration in time). This code alone is not a sale, or money transfer operation, nor does it contain pin or credit card information or personal data; It is a process number that indicates to the system or server data by which buyer and seller assume the will to pay an amount.
    The buyer user reads said QR code, at which time they login (enter the system) if they have not previously done so.
    The system responds to the buyer with a verification and payment acceptance question.
    The server is characterized by charging through the filing of an entity called "Gateway" (which serves as a payment server). The latter communicates with the different legal and approved forms of payments already contracted by the client (understood by legal forms of payment, PayPal, credit cards, bank transfers and other similar).
    Here the system, if authorized by the gateway, issues a charge to the buyer and a credit to the seller, returning to the culmination to the buyer and the seller different messages of acceptance, confirmation or denial, according to the payment method's response. Brief description of the drawings:
    5 The present invention aims at a payment system and method using QR codes (14) that involves a first entity called "seller" (11) that has a terminal connected to the internet, and a second entity called "buyer" (12 ) that has a second terminal with internet connection, involving a third entity, called "server"
    (13) consisting of a "gateway" team trained to establish secure communication with
    10 the means of payment by verifying the viability of the operation (15), including this procedure the following exchanges between the entities:
    The seller logs into the payment gateway server, identifying and being able to detail the service, mainly the amount to be paid by the customer (1).
    The gateway authenticates the merchant, and directs to it a QR code (unique, personal, non-transferable 15 and temporary) (3).
    The buyer will log in to the payment gateway server, before or after reading the QR code, identifying and choosing the payment method (2).
    The seller offers the buyer the QR code (4).
    The buyer reads said QR code (5).
    20 The buyer authorizes the operation (6).
    The server checks that the charge is feasible (7-8).
    The server sends the buyer a stipulated message informing of the positive or negative verification of the transaction (9).
    The server sends the seller a stipulated message informing of the positive or negative verification of the transaction (10).
    The present invention also has a computerized system on the server for the implementation of this procedure.
    权利要求:
    Claims (6)
    [1]
    System and procedure of collections and payments using QR codes characterized by:
    1.-System of collections and payments through QR codes comprising a computer server that processes the operation and with which the terminals with internet connection communicate through a cryptographic protocol (SSL and its future successors) implemented as an HTTPS application protocol or secure hypertext transfer protocol. Characterized by the fact that the first terminal can represent QR codes by means of printing and the second can read them by means of scanning.
    [2]
    2. System of collections and payments by QR codes according to claim 1 characterized in that the QR code only transmits encrypted information such as access links to the server, and operations identification information, all part of the server's internal operations.
    [3]
    3. System of payments and payments using QR codes according to claim 2 characterized in that the operation is carried out within the server, allowing users to use different terminals.
    [4]
    4.-Procedure of collections and payments through QR codes characterized by the following necessary steps:
    a) Prior registration before making a first use of the system in which the personal data of each part is provided.
    b) Identification on the server and configuration of the data corresponding to the sale by the seller.
    c) Return of a QR code in response to the introduction of data to the server in the previous stage.
    d) Scanning of the QR code of the previous stage by the second terminal resulting in a connection to the server for the specific operation requested.
    e) Response by the computer server to the reading of the QR code of the previous stage which requires a confirmation or rejection of the purchase and in the positive case the selection of options for it.
    f) Sending the options chosen in the previous stage through the QR code reader terminal.
    g) Execution of the order received by the QR code reader terminal that consists of making a charge to the QR code reader terminal and a payment to the "sender" terminal of the QR if the response to the payment was positive, the computer server acting as payment gateway.
    go) Response to both terminals with a message that shows the correct completion of the payment gateway operation.
    [5]
    5. System of charges and payments using QR codes according to claim 4 characterized in that the identification on the computer server of the terminal that scans the QR code can be done before or after scanning the QR code.
    [6]
    6. System of collections and payments using QR codes according to claim 2 characterized in that
    5 guarantees security through a secure system based on a previous record during which personal information is entered on the server; in which QR codes only transmit information related to server access links and operations identification information and that all connections are made through the SSL protocol of the HTIPS application.
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    同族专利:
    公开号 | 公开日
    ES2541692B1|2016-05-06|
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    US20120166298A1|2010-12-23|2012-06-28|Martin Smith|Digital receipt generation apparatus, software and method|
    US20120284130A1|2011-05-05|2012-11-08|Ebay, Inc.|Barcode checkout at point of sale|
    WO2013008041A1|2011-07-14|2013-01-17|Ecrebo Limited|A method of enhancing point-of-sale systems|
    WO2013142209A1|2012-03-23|2013-09-26|Mackinnon Wendy Keith|System and method for facilitating secure self payment transactions of retail goods|IT201900015923A1|2019-09-09|2021-03-09|Andrea Carazza|Station for internet transactions between private individuals.|
    法律状态:
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    优先权:
    申请号 | 申请日 | 专利标题
    ES201400057A|ES2541692B1|2014-01-22|2014-01-22|System and procedure of collections and payments using QR codes|ES201400057A| ES2541692B1|2014-01-22|2014-01-22|System and procedure of collections and payments using QR codes|
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