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US 2022/0188804 A1Published application
Method and system for facilitating mobile contactless payments
AssigneeStrike Technology Limited
InventorsCharles Dowd, Oliver Cavanagh
Life of this patent
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Abstract
The present application provides an efficient method of registering users with a payment system using NFC tags and thereafter allowing a user to receive payment from another person by presenting their NFC tag to the mobile phone of the other person. The efficient method of registering users addresses a problem of how to register users for an electronic payment system without having to send them a card or other device by post.
Claims20
A method for facilitating mobile contactless payment, comprising:
- providing a read-only Near Field Communication “NFC” tag encoded with a Uniform Resource Location “URL” containing a server address and a unique identifier unique to the NFC tag;
- receiving a first query sent from a hero mobile phone in response to the hero mobile phone reading the NFC tag;
- parsing the first query to extract the unique identifier;
- determining whether the unique identifier is available or live by searching a database for the unique identifier;
- if the unique identifier is available but not activated, activating the NFC tag and unique identifier in the database through the hero mobile phone by associating the unique identifier with a hero record in the database, the hero record comprising hero identifying information, hero contact information, and at least first hero payment addressing information associated with at least one hero payment service, wherein the unique identifier is not the at least first payment addressing information;
- receiving a second query sent to the URL over a network from a first customer mobile phone in response to the first customer mobile phone reading the NFC tag;
- parsing the second query to extract the unique identifier;
- determining whether the unique identifier is activated by searching a database for the unique identifier;
- retrieving the hero record stored within the database and associated with the unique identifier in response to determining that the unique identifier is activated;
- sending a payment interface to the first customer mobile phone indicating the at least one hero payment service of the hero record;
- receiving a payment service selection from the first customer mobile phone;
- redirecting the first customer mobile phone to a payment server associated with the selected payment service using the payment addressing information of the hero record;
- receiving a query sent to the URL over the network from a second customer mobile phone in response to the second customer mobile phone reading the NFC tag;
- sending a payment interface to the second customer mobile phone indicating the at least one hero payment service of the hero record;
- receiving a payment service selection from the second customer mobile phone;
- redirecting the second customer mobile phone to the payment server associated with the selected payment service using the payment addressing information of the hero record;
- wherein the at least one hero payment service comprises a mobile wallet service.
14 more elements
A method for facilitating mobile contactless payment, comprising:
- providing a read-only Near Field Communication “NFC” tag encoded with a Uniform Resource Location “URL” containing a server address and a unique identifier unique to the NFC tag;
- receiving a first query sent to the URL over a network from a first customer mobile device in response to the first customer mobile device reading the NFC tag;
- parsing the query to extract the unique identifier;
- determining whether the unique identifier activated by searching a database for the unique identifier;
- retrieving a hero record stored within the database and associated with the unique identifier in response to determining that the first unique identifier is activated, the hero record associated with a hero user and comprising at least hero payment addressing information specific to the hero user and associated with at least one hero payment service;
- sending a payment interface to the first customer mobile device indicating the at least one hero payment service of the hero record;
- receiving a payment service selection from the first customer mobile device;
- and
- redirecting the first customer mobile device to a payment server associated with the selected hero payment service using the hero payment addressing information of the hero record.
6 more elements
A system for facilitating mobile contactless payment, comprising:
- a Near Field Communication “NFC” tag encoded with a Uniform Resource Location “URL” containing a server address and a unique identifier unique to the NFC tag;
- a database comprising a hero record associated with a hero user and comprising the unique identifier, payment addressing information specific to the hero user and associated with at least one payment service;
- a server comprising a processor, a memory, and a network interface communicatively coupled to a network through the server address, the server also communicatively coupled, through the network, to at least one payment server associated with each of the at least one payment service, the server configured to:
- receive a query sent to the URL over the network from a first customer mobile device in response to the first customer mobile device reading the NFC tag;
- parse the query to extract the unique identifier;
- determine whether the unique identifier is activated by searching the database for the unique identifier;
- retrieve the hero record from the database in response to determining that the unique identifier is activated;
- send a payment interface to the first customer mobile device indicating the at least one payment service of the hero record;
- receive a payment service selection from the first customer mobile device;
- and
- redirect the first customer mobile device to the payment server associated with the selected payment service, using the payment addressing information of the hero record.
8 more elements
Dependencies are inferred from the claim text.