US 12,406,247 B2
System, device and method for digital payment
David Ben-Avi, Herzliya (IL); and Guy Rosenhoiz, Herzliya (IL)
Assigned to NAYAX LTD., Herzliya (IL)
Appl. No. 18/719,659
Filed by NAYAX LTD., Herzliya (IL)
PCT Filed Jan. 25, 2023, PCT No. PCT/IL2023/050085
§ 371(c)(1), (2) Date Jun. 13, 2024,
PCT Pub. No. WO2023/161919, PCT Pub. Date Aug. 31, 2023.
Claims priority of application No. 290829 (IL), filed on Feb. 23, 2022.
Prior Publication US 2024/0428224 A1, Dec. 26, 2024
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/3278 (2013.01) [G06Q 20/36 (2013.01)] 23 Claims
OG exemplary drawing
 
1. A system for performing payments by using a web browser for paying for goods and services, comprising a mobile device comprising a processing circuitry and a server for managing payments, wherein the server is configured to:
generate a uniform resource locator (URL), which is linked to a web page at the server, wherein the web page comprises an embedded payment program that is configured to perform payment based on a payment card data; and
send the URL to the mobile device in a text message;
wherein the mobile device is configured to:
receive from the server the text message comprising the URL;
activate the URL, wherein the activation of the URL opens the web page comprising the embedded payment program which is loaded with a predetermined amount of payment and installs the embedded payment program in the mobile device and wherein the embedded payment program comprising a temporary digital wallet software configured to use the processing circuitry to control a near field communication (NFC) radio of the mobile device;
transfer the payment card data and the predetermined amount of payment through the NFC radio to a payment terminal by the embedded payment program; and
delete the embedded payment program and the payment card data from the mobile device after performing the payment by closing the web page at the end of the transaction.