# US 2019/0378115 A1 · Electronic payment apparatus

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- Number: US 2019/0378115 A1
- Document ID: US20190378115A1
- Status: Published application
- Kind: A1
- Application number: 16/486,743
- Filed: 2018-02-16
- Published: 2019-12-12
- Earliest claimed: 2017-02-20
- Inventors: Christopher John HAMILTON
- Web page: https://patentgrep.com/patent/US20190378115A1

## CPC

- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/367: {involving electronic purses or money safes}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

The present invention concerns electronic payment apparatus. More particularly, but not exclusively, this invention concerns electronic payment apparatus, and methods and systems for making electronic payments. An apparatus for conducting a financial transaction is provided. The apparatus comprises a smart device with an application. The smart device has a first configuration in which the application displays account information, and a second configuration in which the smart device displays an optically readable transaction authorisation code. The transition between the first configuration and second configuration is effected by changing the orientation of the smart device.

## Claims

### Claim 1

An apparatus for conducting a financial transaction, the apparatus comprising a smart device with an application,
the smart device having a first configuration in which the application displays account information, and a second configuration in which the smart device displays an optically readable transaction authorisation code,
wherein the transition between the first configuration and second configuration is effected by changing the orientation of the smart device.

### Claim 2 (depends on 1)

Apparatus as claimed in claim 1, wherein the smart device is a smart phone.

### Claim 3 (depends on 1, 2)

Apparatus as claimed in claim 1 or 2, wherein the optically readable transaction authorisation code is a quick-response (QR) code.

### Claim 4

Apparatus as claimed in any preceding claim, wherein the smart device is configured such that changing the orientation of the smart device causes the application to generate the optically readable transaction authorisation code.

### Claim 5

Apparatus as claimed in any preceding claim, wherein the smart device is configured to communicate with a remote server in response to the orientation of the smart device being changed.

### Claim 6

Apparatus as claimed in any preceding claim, wherein the smart device is configured such that the application is only opened in response to a unique security input by a user.

### Claim 7

Apparatus as claimed in any preceding claim, wherein the transaction authorisation code is a single use, unique, code.

### Claim 8

A method of conducting a financial transaction using a smart device, the method comprising:
providing a smart device including an application, the application including financial data,
with the smart device in a first orientation, a user opening the application in a first configuration, the first configuration such that financial information is displayed by the smart device,
the user changing the orientation of the smart device into a second, different, orientation, thereby moving the smart device into a second configuration such that an optically readable transaction authorisation code is displayed by the smart device,
the user presenting the smart device in the second configuration to a point of sale optical reader,
the point of sale optical reader reading the optically readable transaction authorisation code, whereby a financial transaction between the smart device and point of sale optical reader is authorised.

### Claim 9

A payment system, the payment system comprising:
a smart device including an application, wherein the application is configured such that in response to a user input, the application generates and displays an optically readable transaction authorisation code on the smart device,
a retail unit, the retail unit comprising a point of sale reading device, the reading device configured to read optically readable transaction authorisation codes.