G06Q 20/32 - Definition 
Definition statement
This subclass covers:
Payment architectures, schemes or protocols characterised by the use of specific wireless devices.
The following are examples of the subject-matter covered by this group:
- payment transactions that are approved by using a mobile phone;
- payment transactions whereby a mobile phone replaces a credit card or stored value card;
- authorisations for payments by a mobile phone;
- banking transactions using a mobile phone.
Relationship between large subject matter areas
Group G06Q 20/32 relates to the use of specific wireless devices for payment architectures, schemes or protocols.
Group H04W 4/24 relates to rating, charging or billing services for wireless communication networks. This includes rating/charging for added value services, m-commerce, payment transactions using prepaid calling cards, SIM cards or the mobile phone itself, insofar as these services are billed by the network operator.
References relevant to classification in this subclass
This subclass does not cover:
Rating, charging or billing services for wireless communication networks, e.g. rating or charging for added value services, insofar as these services are billed by the network operator | H04W 4/24 |