INTEGRATED_MOBILE_PAYMENT_SYSTEM

US20210390524A1(19)UnitedStates(12)PatentApplicationPublication(lo)Pub.No.:US2021/0390524AlAKGUNetal.(43)Pub.Date:Dec.16,2021(54)INTEGRATEDMOBILEPAYMENTSYSTEM(30)ForeignApplicationPriorityDataMar.15,2019(TR)2019/03873(71)Applicant:KARTEKKARTVEBILISIMTEKNOLOJILERITICARETPublicationClassificationANONIMSIRKETI,Istanbul(TR)(51)Int.Cl.G06Q20/20(2006.01)AhmetAKGUN,Hasan(72)Inventors:Istanbul(TR);G06Q20/32(2006.01)YASSIBAS,Istanbul(TR)(52)U.S.Cl.CPC.........G06Q20/20(2013.01);G06Q20/3274(21)Appl.No.:17/287,152(2013.01)(57)ABSTRACT(22)PCTFiled:Feb.6,2020Disclosedisasystemthatenablesanacquirertoincorporatelesscostlyand/ordifferentformfactorsofinnovativepay­(86)PCTNo.:PCT/TR2020/050078mentmethodsintotheirsystemsasanalternativetoexisting§371(c)(1),on-sitepaymentmethodswithoutanychangetotheirexist­(2)Date:Apr.21,2021ingpaymentinfrastructure.PatentApplicationPnblicationDec.16,2021US2021/0390524AlUS2021/0390524AlDec.16,20211INTEGRATEDMOBILEPAYMENTSYSTEMofsaledevicesandensurestransactionflowregardlessoffromwhichdeviceandhow(cardpresent/cardnotpresent)TECHNICALFIELDthetransactioncomes.[0009]Inordertofulfillallthepurposesmentionedabove[0001]Thepresentdisclosurerelatestoasystemthatandwhichwillappearfromthedetaileddescriptionbelow,enablesacquirersincorporatelesscostlyand/ordifferentthepresentinventionisanintegratedmobilepaymentsys­formfactorsofinnovativepaymentmethodsintotheirtemthatenablesacquirerstointegratedinnovativepaymentsystemsasanalternativetoexistingon-sitepaymentmeth­receivingmethodsappliedonmobiledevicestotheirsys­odswithoutanychangetotheirexistingpaymentinfrastruc­temswithoutapplyinganychangetotheirexistinginfra­ture.structure.[0010]Accordingly,thesystemcomprises,PRIORART[0011]Anacquirergateusedbytheacquirertoreceivepaymentinthefield,[0002]Today,mobilepaymentsystemsarefrequently[0012]aserverinordertoensurethattheacquirercanusedinvariousareasofourlives.IntheEMV-based“cardreceivepaymentthroughthedifferentacquirergatespresent”transactionsusedinthecurrenttechnique;theusedandthatservercomprisingof;conventionalaretotheterminalPOSdevicesconnected[0013]anintegratedmobilepaymentgatewaythatmanagementsystemoftheacquirerastheformfactoroftheallowsthepaymentreceivingprocessfromthepaymentrecipientdevice.Thereisanothermethodthathasacquirergateusedtobeforwardedtotherelevantappearedrecently,whichusesmobiledevicesaspointofmoduleoftheacquirer,saledevicesandwherethenecessarydataforthe“cardnot[0014]auserinterface/experienceconfigurationunit,present”paymentprocesssuchascardnumber,theexpira­whichconfigurestheuserinterface/experiencefortiondateisaccessedbytakingapictureofthecardorbydifferentpaymentmethodsandallowstheflowtobemanuallyenteringit.Inthismethod,thedevicesarecon­arrangedandadjustedinavariablemanneraccord­nectedtothevirtualPOSsystemoftheacquirer.Inotheringtotheneeds,words,bothtypesofpointofsaledeviceshavetobe[0015]aback-officeconfigurationunit,whichper­integratedintodifferentsystemsoftheacquirer.Inthiscase,formspaymentconfigurationsfordifferentpaymentonebyonefirstintegrationand,subsequently,supportmethodsandenablestheservicedinstitutionstoeffortsandcostsareinvolved.Besides,solutionssuchasmakeadministrativeconfigurationandmonitoringtoday’sappearingSoftPOS,pin-on-glass,mPOS,QRandparameterentriesrelatedtotheacquirergatesbymobiledevicesusingdifferenthardware/softwarefeatures,usedthroughtheprovidedmanagementinterface,providingsufficientsecurityandfunctionset,thatprovide[0016]acontentmanagement,whichallowsthecon­mobiledeviceswiththeabilitytoreceivepaymentsintentofdifferentpaymentmethodstobemanagedbydifferentwayswillincuradditionalcostsforeachoftheminparameterconfigurationandallowstheflowtobetermsofintegration.Again,therewillbeonebyoneeffortarrangedandadjustedaccordingtocontent,expendingforuserinterfaceandexperience,back-office[0017]Inordertobeabletounderstandtheadvantagesofconfigurations,andcontentmanagementforeachsystem.thepresentinventiontogetherwiththeadditionalelements,[0003]Asaresult,theproblemsmentionedaboveanditisnecessarytoevaluateitwiththeFIGURESexplainedthosethatcannotbesolvedusingthecurrenttechnique,havebelow.necessitatedinnovationintherelevanttechnicalfield.BRIEFDESCRIPTIONOFTHEFIGURESBRIEFDESCRIPTIONOFTHEINVENTION[0018]FIG.1givesaschematicviewofthesystemof[0004]Thepresentdisclosurerelatestoanintegratedsubjectmatteroftheinvention.mobilepaymentsystemtoeliminatethedisadvantagesmen­tionedaboveandbringnewadvantagestotherelevantREFERENCENUMBERStechnicalfield.[0019]1.Integratedmobilepaymentgateway[0005]Themainpurposeoftheinventionistoprovidean[0020]2.Userinterface/experienceconfigurationunitintegratedpaymentsystemthatmakesitsufficientforthe[0021]3.Back-officeconfigurationunitacquirertointegrateintoasingleportforalldifferentmobile[0022]4.Contentmanagementpaymentmodes.[0023]5.SoftPOSpaymentsystem[0006]Anotherpurposeoftheinventionistocreatea[0024]6.Pinonglasspaymentsystemsystemthatallowstheuserinterface/experienceofall[0025]7.mPOSpaymentsystemmobilepaymentmethodsandback-officeconfigurationsto[0026]8.QRpaymentsystembemademoreeasilyfromasinglecenter.[0027]9.Keyinpaymentsystem[0007]Anotherpurposeoftheinventionistocreatea[0028]10.Acquirersystemthatprovidescentralcontentmanagementinpay­[0029]11.AcquirerGatementapplicationsandcanmakeflexibleandfastbreakssuch[0030]12.Serverasinformingtheacquirer,paymentmethodlikecampaignannouncementsdesignedformerchantandcustomers,mer­DETAILEDDESCRIPTIONOFTHEchantcode.INVENTION[0008]Anotherpurposeoftheinventionistodevelopa[0031]Inthisdetaileddescription,noveltyofsubject-systemthatprovidesasecurecommunicationinfrastructurematteroftheinventionisexplainedonlyforabetterunder­bysharingkeysseparatelywithacquirersandmobilepointstandingandwithoutanyrestrictiveeffect.US2021/0390524AlDec.16,20212[0032]Thepresentinventionisanintegratedmobilepay­integrateintoasingleportforalldifferentacquirergatesmentsystemthatenablesacquirers(10)tointegratedinno­(11).Thesolutionwillalsogiveanopportunitytotheuservativepaymentreceivingmethodsappliedonmobileinterface/experienceandback-officeconfigurationsofalldevicestotheirsystemswithoutapplyinganychangetoacquirergates(11)tobemademoreeasilyfromasingletheirexistinginfrastructure.FIG.1givesaschematicviewcenter.Besides,itwillprovidecentralcontentmanagementofasystemofourinvention.Accordingly,thesystem(4)inpaymentapplicationsandtheacquirers(10)willbecomprisesanacquirergate(11)usedbytheacquirer(10)toabletomakeannouncementsformerchantandcustomersreceivepaymentinthefield,aserver(12)inordertoensuresuchasinformingtheacquirer(10),paymentmethodlikethattheacquirer(10)canreceivepaymentthroughthecampaignannouncementsdesignedformerchantandcus­differentacquirergates(11)usedandthatservercomprisingtomers,merchantcode,merchantinaflexibleandrapidof;anintegratedmobilepaymentgateway(1)thatallowsthemanner.Thissolutionwill,toofferthesaidfeatures,developpaymentreceivingprocessfromtheacquirergate(11)tobeasystemthatprovidesasecurecommunicationinfrastruc­forwardedtotherelevantmoduleoftheacquirer(10),auserturebysharingkeysseparatelywithacquirers(10)andinterface/experienceconfigurationunit(2),whichconfig­mobilepointofsaledevicesandensurestransactionflowurestheuserinterface/experiencefordifferentpaymentregardlessoffromwhichdeviceandhow(cardpresent/cardmethodsandallowstheflowtobearrangedandadjustedinnotpresent)thetransactioncomes.avariablemanneraccordingtotheneeds,aback-ofSce1.Anintegratedmobilepaymentsystemthatenablesanconfigurationunit(3),whichperformspaymentconfigura­acquirertointegratedinnovativepaymentreceivingmeth­tionsfordifferentpaymentmethodsandenablestheservicedodsappliedonmobiledevicestotheirsystemswithoutinstitutionstomakeadministrativeconfigurationandmoni­applyinganychangetotheirexistinginfrastructure,thetoringparameterentriesrelatedtotheacquirergates(11)bysystemcomprising:usedthroughtheprovidedmanagementinterface,acontentanacquirergateusedbyanacquirertoreceivepaymentmanagement(4),whichallowsthecontentofdifferentinthefield;paymentmethodstobemanagedbyparameterconfigurationaserverinordertoensurethattheacquirercanreceiveandallowstheflowtobearrangedandadjustedaccordingtopaymentthroughthedifferentacquirergatesusedandcontent.comprising:[0033]Theuserinterface/experienceconfigurationunitanintegratedmobilepaymentgatewaythatallowsthe(2)locatedontheserver(12),whichconfigurestheuserpaymentreceivingprocessfromtheacquirergatesinterface/experiencefordifferentpaymentmethods,pro­usedtobeforwardedtotherelevantmoduleofthevidesarrangementssuchascolor,image,format,back­acquirer;ground,movingimages,informationpanels,campaigns,etc.auserinterface/experienceconfigurationunit,whichintheinterface.Withourinvention,differentacquirergatesconfigurestheuserinterface/experiencefordifferent(11)canbeusedbyacquirers(10)withoutrequiringanypaymentmethodsandallowstheflowtobearrangedchangestotheirexistinginfrastructure.Someacquirergatesandadjustedinavariablemanneraccordingtothe(11)thatcanbeusedwithourinventionare:needs;[0034]SoftPOSpaymentsystem(5):Itisamethodinaback-officeconfigurationunit,whichperformspay­whichmobiledevicessuchassmartphonesetc.areusedinmentconfigurationsfordifferentpaymentmethodsthemarketaspaymentreceivingdevices(orPoint-of-Sale,andenablestheservicedinstitutionstomakeadmin­POS).istrativeconfigurationandmonitoringparameter[0035]ContactlesspaymentismadethroughtheNFCentriesrelatedtotheacquirergatesbyusedthroughantennabybringingthedesiredcardclosertothemobiletheprovidedmanagementinterface;device.acontentmanagement,whichallowsthecontentof[0036]Pinonglasspaymentsystem(6):Thereisasepa-differentpaymentmethodstobemanagedbyparam­ratereaderdevicethatreadsthecardwhichthepaymentwilleterconfigurationandallowstheflowtobearrangedbemadewithorwithoutcontactless,butPINentryiscarriedandadjustedaccordingtocontent.outviathemobiledevice.2.Anintegratedmobilepaymentsystemaccordingto[0037]mPOSpaymentsystem(7):Thereisaseparateclaim1,whereinsaidacquirergatesisaSoftPOSpaymentdevicethatreadsthecardwithorwithoutcontactlessandsystem.wherethePINisentered.Themobiledeviceinitiates3.AnintegratedmobilepaymentsystemaccordingtotransactionandPINentry.claim1,whereinsaidacquirergatesisapinonglass[0038]QRpaymentsystem(8):Itisamethodinwhichpaymentsystem.paymentdataisgeneratedasQRcodeonthemobiledevice4.Anintegratedmobilepaymentsystemaccordingtoofthemerchantorcustomerandthecustomerormerchantclaim1,whereinsaidacquirergatesisanmPOSpaymentinitiatesthepaymentflowbyreadingtheQRcode.system.[0039]KeyInpaymentsystem(9):Itisthemethodin5.Anintegratedmobilepaymentsystemaccordingtowhichtherequiredinformationaboutthepaymentisclaim1,whereinsaidacquirergatesisaQRpaymentreceivedbymanualentryortakingthepictureofthecardsystem.andpaymentinfoistransferredtothevirtualPOSsystemof6.Anintegratedmobilepaymentsystemaccordingtotheacquirer(10).claim1,whereinsaidacquirergatesisaKeyinpayment[0040]Oursolutionofferstheopportunitytoreceiveinte­system.gratedpayments;itissufficientfortheacquirer(10)to