Patent AU-2018101214-A4 (AU)
Title: Payment system
Inventor: MOLNAR NICHOLAS
IPC: G06Q40/02
Filed: 2018-08-22
Granted: 2018-09-20
Abstract: A computer-implemented method for facilitating payment of a total amount comprising multiple future instalments by a customer (3), the method comprising: receiving, at an instalment payment server (5), an indication from a mobile device (7) associated with the customer (3) to set up the payment by the multiple future instalments; generating first authorisation data indicative of an authorisation of the multiple future instalments; sending the first authorisation data to a mobile device (7). The method may include displaying on the mobile device (7) an optical machine readable representation of the first authorisation data; and scanning, by a merchant POS system (13) associated with a merchant (11), the optical machine readable representation of the first authorisation data from the mobile device (7). The method also comprise: receiving, by the merchant POS system (13), purchasing data for a purchase of one or more goods or services for the total amount; and sending the purchasing data, merchant data and second authorisation data representing the scanned optical machine readable representation to the instalment payment server (5). The method further comprises: determining, by the instalment payment server (5), the customer (3) based on the second authorisation data; and determining validity of multiple future instalments based on the total amount and the authorisation of the multiple future instalments of the determined customer. Based on determining the validity of multiple future instalments, the method comprises: sending a confirmation to the merchant POS system (13) to cause the merchant POS system (13) to generate an indication that the one or more goods or services (21) can be released to the customer (3); and initiating the multiple future instalments at respective points in time. @1 100 200 Send an indication to set up 300 the payment by the multiple future instalments Receive the indication 210 Generate first authorisation 110 data indicative of an 220 authorisation of the multiple 120 future instalments Receive first authorisation Send first authorisation data 230 data to a mobile device Display an optical machine Scan an optical machine readable representation of 310 readable representation of the first authorisation data the first authorization data 130 Receive purchasing data for a 320 -- purchase of goods and services for the total amount Send purchasing data, 240 Receive purchasing data, merchant merchant data and second data and second authorisation data authorisation data representing the scanned optical machine readable representation _ Determine the customer based on 250 the second authorisation data 330 Determine validity of multiple future instalments based on total amount 260 and authorisation of multiple future instalments of the customer Send confirmation to cause POS system to generate an indication __ec a 270 that the goods and services can be Receive confirmation to released cause P05 system to generate an indication that the goods and services can be Initiate the multiple future released 280 instalments at respective points in time Fig. 2