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Akcionernoe Obshchestvo "nacional'naya Sistema Platezhnykh Kart"
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Akcionernoe Obshchestvo "nacional'naya Sistema Platezhnykh Kart"
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Priority claimed from RU2021112188Aexternal-prioritypatent/RU2021112188A/ru
Application filed by Akcionernoe Obshchestvo "nacional'naya Sistema Platezhnykh Kart"filedCriticalAkcionernoe Obshchestvo "nacional'naya Sistema Platezhnykh Kart"
Publication of WO2022231471A1publicationCriticalpatent/WO2022231471A1/fr
G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
G06Q20/00—Payment architectures, schemes or protocols
G06Q20/08—Payment architectures
G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Definitions
the presented group of inventionsrelates to data processing in payment systems, namely to a method and system for processing and conducting payment transactions in cashless payment transactions.
the disadvantage of the inventionis the need for the payer to install and use the payment application on the payer's device, without which the operation of the methods and the system is impossible, since in this case the possibility of adding a tip amount for the attendants is excluded.
the use of a payment application on the payer's deviceinvolves the inclusion of additional devices and limits the scope of the invention to mobile payments only.
the disadvantage of the above inventionis the inconvenience for the payer in terms of paying for the order through one device (the payer pays for the goods/service through the seller's device) and transferring tips through another device (the payer's device).
the solution "Electronic Tip Service" of the Visa payment systemis known (link to a source on the Internet: https://money.inguru.ru/debetovye_karty/stat_vladelcy_kart_visa_mogut_ostavlyat_e hlektronnye_chaevye), in which the tip recipient pre-registers his data and links his electronic wallet to them, then when paying for the order, the payer additionally enters the tip amount on the seller’s device, as a result of which the card of the payer, the order amount and the tip amount are debited in one payment, and the seller's bank sends the total order amount to the seller's settlement account and the tip amount to the e-wallets of tip recipients.
the closest analogueis a method and a system for transmitting quality of service indicators for a merchant, including a payer device, a merchant device capable of simultaneously receiving at least two cashless payment amounts and generating a transaction with at least two amounts, and a transaction processing server (patent application USA N° 2017132584, G06Q 20/04, G06Q 50/12, published 05/01/2017).
the disadvantages of the closest analogueinclude the fact that the invention does not allow the transfer of tips directly to the attendants, which means that additional steps will need to be taken and additional devices used to extract the tip amount and send it to the attendants.
the technical problem to be solved by the claimed technical solutionis the creation of an automated system and method for secure, intrabank and interbank transfer of funds, which will allow, within the framework of one transaction, to carry out a one-time write-off of the total amount, including the order amount and the tip amount from the payer's account and subsequent enrollment online or offline at least two amounts to the tip recipient's bank card and to the seller's current account.
the technical resultis to increase the speed of processing a transaction with a tip with the subsequent crediting of the tip to the recipient of the tip online or offline due to the automation of the system and method.
the advantages of the technical solutionare to increase the security of the system and method, since when making a cashless payment transaction, the payer does not have the data of the recipient of the tip, and the system and method provide the payer with the opportunity to confirm the total amount of the transaction, thus eliminating the tip amount without the payer's consent.
Another advantage of the claimed solutionis the expansion of the scope, since the transfer of funds in the presented system and method can be both intra-bank and inter-bank.
the claimed technical resultis achieved through the use of a system for processing a cashless payment transaction, containing: the payer's device; a merchant device capable of receiving and storing data of at least one tip recipient, and configured to simultaneously receive at least two cashless payment amounts and form a transaction with at least two amounts; a transaction processing server configured to determine a transaction with at least two amounts and initiate crediting of at least two cashless payment amounts based on the aforementioned transaction.
the payer's deviceis represented by a bank card or a wearable device with a tokenized bank card.
the payer's device, the merchant's device, the tip recipient's dataare connected to the computing systems of the payer's bank, the merchant's bank, and the bank of the aforementioned tip recipient.
the computer systems of the payer's bank, the merchant's bank, and the tip's bankmay be the same computer system or different computer systems.
the merchant's deviceis configured to enter at least two payment amounts.
debiting the total amount from the payment card or from the payer's account and crediting it to the card or account of the recipientscan be carried out online or offline.
the claimed technical resultis also achieved in a method for processing a cashless payment transaction, in which: on the seller's device, data of at least one tip recipient is received and stored; on the device of the seller receive data of the payer and at least two amounts of non-cash payment; form a transaction with at least two amounts and add a sign of a transaction with at least two amounts; receiving a transaction with at least two amounts and a sign of a transaction with at least two amounts at the transaction processing server; the transaction processing server initiates debiting the total amount of cashless payment and crediting at least two amounts of cashless payment based on the data of the aforementioned transaction.
At least two cashless payment amountsare entered on the merchant's device.
a transactionis formed with at least two amounts, one of which is the total amount of debiting the non-cash payment, and a verification request is sent to the payer's device or to the merchant's device to confirm the total debit amount.
a messageis formed and sent to the computer system of the payer's bank for debiting the total amount of non-cash payment and to the computer systems of the seller's bank and the tip recipient's bank about crediting the order amount to the seller and the tip amount to the tip recipient.
Payer's deviceany known device containing payer's data and made with the possibility of direct (contact and/or contactless) initiation of a cashless transfer of funds.
the payer's devicecan be a payment card, a mobile device with a bank payment application (smartphone, tablet, smart watch, etc.), etc.
the seller's devicemay include a keyboard, a display, a touch screen, and other technical equipment for data entry.
the merchant's deviceis connected to the merchant's bank computer system.
the merchant's devicecan be, for example, a POS terminal or a smartphone.
the merchant deviceis configured to receive data from at least one tip recipient.
a tip recipient in the context of this inventionis any natural person other than the seller to whom the tip amount is sent.
the tip recipient's datais stored on a memory device and is presented in various ways in the form of account details (card number, account number), social identifiers (phone number, e-mail, etc.), etc.
the merchant deviceis configured to receive the tip recipient's data as a result of interaction between the tip recipient device and the merchant device (eg, applying the tip recipient's payment card to the POS terminal). Also, the merchant's device may receive the tip recipient's data from a storage device where the recipient's data is stored (for example, the tip recipient's data is transferred to the seller's device after data is entered on the computer in the personal account). The merchant's device receives and saves the tip recipient's data once or each time before transferring funds, and the tip recipient's data can be edited if necessary. The merchant's device is configured to display the tip recipient's data in encrypted or altered form. The merchant device is configured to simultaneously accept at least two cashless payment amounts, including the order amount and the tip amount.
the merchant's deviceis configured to generate a transaction with at least two non-cash payment amounts and a sign of a transaction with at least two amounts.
the sign of the transactionindicates the need to credit the tip amount to the details of the tip recipient.
the merchant's deviceis configured to interact with the merchant's bank computer system and with the transaction data processing server.
the transaction processing serveris a device configured to receive and recognize a message with a sign of a transaction with at least two amounts.
the processing serveris configured to send a payer verification request to confirm that the total amount has been debited and receive a response to the request.
the transaction processing servermay be stand-alone or included in at least one component of the system to initiate the debiting of the total amount of cashless payment and the crediting of at least two amounts of cashless payment to the seller and to the tip recipient based on transaction data with at least two sums cashless payment.
the transaction processing serveris configured to interact with the computing systems of the merchant's bank, the payer's bank, and the recipient's bank.
the presented solutionis an over-bank solution, which means that the invention can be implemented in any bank (without reference to a specific list of banks).
the computing devices of the payer's bank, the recipient's bank and the seller's bankmay not match, match for all participants, or match for any pair of participants.
Figure 1shows a schematic representation of the claimed system for cashless payments.
Figure 2shows a diagram of a method for making non-cash payments, in which the crediting of the tip amount is initiated in the transaction processing server on the side of the merchant's bank.
Figure 3shows a diagram of a method for making non-cash payments, in which the crediting of the tip amount is initiated in the transaction processing server on the side of the payment system.
the presented system and methodare fully automated and do not require intervention in the process of cashless payment.
the first stepis to receive the tip recipient's data on the merchant's device.
the tip recipient's datais entered directly on the merchant's device when the recipient manually enters their details in the menu of the merchant's device or applies a payment instrument, after which the entered data is assigned a unique serial number on the merchant's device.
the tip recipient's datais entered on a computer (eg, smartphone, laptop, or any similar device configured for this purpose) and then transferred to the merchant's device.
a computereg, smartphone, laptop, or any similar device configured for this purpose
the name of the tip recipientcan be changed, and part of the details or the social identifier is hidden, so the tip recipient can verify the correct address for transferring the tip amount, while the payer will not be able to determine the details of the tip recipient.
Tip recipient detailscan be added, deleted, and modified without restrictions.
the device of the recipient of the tipis received on the seller's device or the pre-stored data of the recipient of the tip is selected on the seller's device, then the order amount and the tip amount for the tip recipient are entered on the seller's device.
a payment invitationis displayed indicating the transaction data.
the payerconfirms the payment of the order amount and the tip amount and proceeds to payment through the payer's device.
a transactionis then generated on the merchant's device with two or more amounts, such as the total payment amount and the tip amount.
the generated transactionincludes at least two amounts and the data of the recipient of the tip.
a signis added indicating that the transaction with at least two amounts of non-cash payment, and that the tip amount must be credited to the address tip recipient.
the generated transaction with the mentioned attributeis transferred to the computer system of the seller's bank, where an authorization request is generated and transmitted to the payment system.
an authorization requestis formatted and then sent to the computer system of the payer's bank.
the response to the authorization requestis performed in a standard way, as a result, the result of the transaction is displayed on the seller's device.
the methodalso includes a step at which, before the write-off operation, a request is sent from the transaction processing server to verify the payer for the total amount of the write-off. Verification can be carried out both on the merchant's device (for example, a request to enter a PIN code when paying with a physical bank card) and on a wearable device of the payer (request for confirmation of the total debit amount, CD CVM method - when paying with a tokenized bank card).
the formation of a transaction with at least two payment amountscan be initiated on the side of the seller's bank or on the side of the payment system on behalf of the seller's bank based on the authorization results.
a clearing messageis formed and mutual settlements are carried out in a standard way.
the initiation of the operation of crediting the tip to the recipient of the tipis carried out, for example, but not limited to, through the system of fast payments.
banksare connected to the fast payment system.
This embodimentaffects how the tip is credited to the tip recipient using a fast payment system, whereby the recipient's identifier (eg, mobile phone number) stored in advance on the merchant's device is used to credit the tip.
the method of debiting the total amount (order amount and tip amount) from the payer's accountdoes not change and is carried out similarly to the previous ones. implementation options.
a feature of tip crediting using the fast payment systemis that crediting is carried out for each payment operation directly at the time of payment.
the seller’s bankinitiates the tip transfer, after which these transactions are sent to the seller’s bank and from the seller’s bank through the payment system sends a request to the payer’s bank to write off the total amount of money from payer's bank card.
the order amountsare credited in a standard way by analogy with the previous option, while the crediting of tips to the accounts of tip recipients is initiated in the seller's bank on behalf of the payer who initiated the tip transfer when paying the total amount (order amount and tip amount) with a bank card.
the settlement systemdebits the seller's bank account and credits the tip recipient's bank account for that amount in real time. In conclusion, banks send notifications of debiting and crediting funds in accordance with the calculations made.
an increase in the processing speed of a tip transaction with the subsequent crediting of the tip to the recipient of the tip online or offlineis achieved, as well as an increase in the security of the system and method, and an expansion of the scope.
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