公开(公告)号：WO2012085675A2

公开(公告)日：2012-06-28

申请号：PCT/IB2011/003275

申请日：2011-12-20

Applicant: ERAM, Antonio, Claudiu ,  CRISAN, Felix, Daniel

Inventor： ERAM, Antonio, Claudiu ,  CRISAN, Felix, Daniel

IPC: G06Q20/12

CPC classification number: G06Q20/10 ,  G06Q20/12 ,  G06Q20/3227

Abstract: A system, method and apparatus are provided for enabling mobile payments for purchases from selected merchants via a client device. A client application installed on a client device can make payments and submit shipment information when making purchases. The client application securely stores user-related payment information locally on the client device, where such information only needs to be entered once upon initialization of the client application. The client application facilitates payment transactions by forwarding user-related payment information for purchases to a payment server when authorized by a user. When making a purchase, a user can enter an identification code into the client application that identifies a product or service, where the identification code and user-related payment information are forwarded to the payment server. The payment server uses the code to retrieve details about the purchase and performs operations to complete the purchase using the received user payment-related information.

Abstract translation: 提供了一种系统，方法和装置，用于通过客户端设备实现从所选商家的购买的移动支付。 安装在客户端设备上的客户端应用程序可以在进行购买时进行付款和提交装运信息。 客户端应用程序在本地安全地将用户相关的支付信息存储在客户端设备上，其中这些信息仅在客户端应用程序初始化时才需要输入一次。 客户端应用程序在用户授权的情况下，通过将与用户相关的用于购买的支付信息转发到支付服务器来促进支付交易。 当进行购买时，用户可以向识别产品或服务的客户端应用程序输入识别码，其中识别码和用户相关的支付信息被转发到支付服务器。 付款服务器使用代码来检索关于购买的细节，并使用接收到的用户支付相关信息执行完成购买的操作。