Patent ID: 9552577
Date: 2017-01-24
CPC Classifications: G06Q,G07G

Claim:
1. Method for transferring a money amount by using a two-dimension image code between a paying party provided with a payment device and a recipient party provided with a reception payment device, comprising: A. Registration of both paying party and recipient party at a money transfer managing entity on a server, which provides for the management and verification of the paying party and recipient party and is responsible of the authorization to the transfer of money amounts and their payment; B. Request of the recipient party to the paying party of a money amount, executed between the reception payment device and the payment device; C. order from the paying party to the money transfer managing entity to pay said money amount to the recipient party, after the insertion of a authorization PIN in the payment device and information communication from the payment device to the server; D. authorization of the payment from the transfer managing entity to the recipient party, with information communication from the server to the reception payment device; E. payment of said money amount to the recipient party and sending of a confirmation information of effected money amount transfer to the payment device and reception payment device concerning the effected payment of the money amount, or possible writing off or cancellation of an already effected payment operation; wherein said payment device and said reception payment device are smart phones, and in that: a recipient party program module and a paying party program module are installed on both smartphones; in step B, the recipient party generates a two-dimension image code that is visually displayed on a display of a reception payment smartphone; in step B, the payment smartphone of the paying party captures, by said paying party program module installed on said payment smartphone the two-dimension image code from the display of the reception payment smartphone; in step C, the paying party sends to the server via the payment smart phone an encrypted authorization SMS message, the encrypted authorization SMS message including data contained in the two-dimension image code, comprising the indication of said money amount, in step D, the server receives said encrypted authorization SMS message and authorizes or not the payment of the money amount, wherein, in step B, the reception payment smart phone of the recipient party provides only the visualization of said two-dimension code to said payment smartphone, and the visualization of said two-dimension code is provided by the reception payment smart phone without sending any relevant information to the server.