TR201703371A2 - A PAYMENT SYSTEM AND METHOD - Google Patents

Abstract

This invention is based on a system (1) and method (100) that includes product / package catalog, permission / approval and subscription infrastructure and enables users to make mobile payments over a single platform with different payment channels such as mobile invoice and credit card in return for the benefits they receive from service providers. is about. The inventive system (1); it consists of the user access device (2), the service unit (3), the service information database (4), the subscriber information database (5), the authorization unit (6) and the payment tracking unit (7).

Description

DESCRIPTION A PAYMENT SYSTEM AND METHOD Technical Area This invention includes product/package catalog, permission/approval and subscription infrastructure and mobile invoice in return for the benefits that users receive from service providers, Mobile payment via a single platform with different payment channels such as credit cards It is about a system and method that enables it to do so. Prior Art Today, the number of shopping done on the Internet and the number of users their payments are increasing. popular online The products and/or services provided by the stores to the users through different payment channels. It offers a payment option.

In widespread use in the state of the art, over the Internet approval, product catalog, subscription transactions in payment transactions and service provider management is carried out by separate units. Because of that In case of communication problems between units in payment transactions due to There may be situations that will cause customer bias. For example After the user approves the payment process, it goes to the service provider management. If there is a communication problem, the customer is charged, but no benefit is provided to the customer.

Payment carried out by discrete units in the state of the art Another problem encountered in transactions is that online service providers different platforms each time for the different payment channels they offer. to complete the payment process. Safety in this use of the technique are faced with problems and result in customer grievances. This as well as the absence of a payment platform that customers know and trust reduces the success rates of shopping.

For these reasons, customers who shop over the Internet have different A secure platform for service providers requesting payment via payment channels. a system and method that allows them to make payments over necessity is obvious.

International patent numbered CN1049l5832, which is in the state of the art In the document, the user can use an intermediary application during payment. A mobile device that authenticates and pays and informs the user. payment and verification system.

Brief Description of the Invention The aim of this invention is to use different payment channels such as mobile bill and credit card. which enables mobile payments that require realization through a platform. is to implement a system and method.

Another object of this invention is a system and method with internal permission/approval management. is to perform.

Another object of this invention is a system with an internal product/package catalog and method is to perform.

Another object of the present invention is a system that provides internal subscription management and method is to perform.

Detailed Description of the Invention To achieve the purpose of this invention, “A Payment System and Method” is shown in the attached figures, from these figures; Figure-1 is the sematic block diagram of the system that is the subject of the invention.

Figure-2 is the flow diagram of the method that is the subject of the invention.

The parts in the figures are numbered one by one. the responses are given below. 1. System User access device service unit Service information database Subscriber information database Authorization unit Payment management unit 100. Method M: Customer P: Payment channel In the inventive system (l), the payment channel (P) mentioned is a certain protocol. Customer (M) verification information received over and a person who performs the payment transaction in accordance with the payment amount information. A platform for mobile payment transactions that require different payment methods. the inventive system (1); At least one application on which the customer (M) interacts at least one user access device (2) capable of operating In communication with the user access device (2), the customer's (M) user payment in accordance with the preferences communicated through the access device (2) At least one service unit (3) that initiates the necessary actions for its operations, Information about the services that can be provided to the customer (M), product, package At least one service information database that records as a catalog At least one subscriber who records the subscription information of the customers information database (5), ID transmitted by the customer (M) via the user access device (2) in the subscriber information database in accordance with the verification information (5) the payment received, who authorized the customer by running a query in order to obtain customer (M) approval in accordance with the information that transmits the consent content to the access device (2) and that the customer (M) at least one authorization unit (6) that receives the preferences it has created, service information transmitted from the service unit (3) and the payment channel (P) receives service information in accordance with the service information it receives. the service fee, which determines the service fee by running (4) queries on the base together with the service fee information to the authorization unit (6). reply containing the approval of the forwarder and the authorizing unit (6) of the customer (M) with the customer's (M) identity information and service fee. for payment to the payment channel (P) forwarded by the service unit (3). The requester includes at least one Payment management unit (7).

The user access device (2) in the system (1), which is the subject of the invention, belongs to the customer (M) It is the unit with which it interacts and determines its preferences. User access device (2), communicating with the service unit (3) over a data network; your customer's (M) may be a product/service in accordance with the information provided by the service unit (3). allows you to view the services. User access device (2), the service preferences (how many, payment channels) that the customer (M) wants to purchase. etc.) to the service unit (3) over the data network.

The user access device (2), the service information transmitted by the authorization unit (6) and through an appropriate interface in line with the approval content containing fee information. shows the customer (M) the content of the approval. User access device (2), It receives the customer's (M) response to the content of approval it shows and authorizes it. unit (6). User access device (2) in an embodiment of the invention an application is running on it, and the customer (M) creates a record and responds to a payment confirmation request.

The service unit (3) in the system (1), which is the subject of the invention, manages the sales processes of the services they offer to customers over the Internet. is the unit. The service unit (3) provides service information, which can be a product or a service. to the client over the network, to the user access device in the subject system (1) (2) transmits. Service unit (3), customer's (M) user access device (2) receives the customer (M) preferences it transmits via

The service unit (3) manages the payment in line with the customer (M) preferences it receives. to the service unit (7) along with customer (M) information and the service unit's (3) the payment channel (P) information offered by the customer or preferred by the customer (M). transmits. Receiving service information customer (M) in an application of the invention It is the product/service information requested and the number of product/service information. find it In another application, the service unit (3) is connected to the payment management unit (7). It transmits the product/service code and the quantity of the product. Service unit (3), payment receives the payment result information from the management unit (7) and the result information It makes notifications to the relevant units in line with it.

The service information database (4) in the inventive system (1), product/service It is the unit that records the service information that may be available. Service information database (4), in one embodiment of the invention, the contracted service providers are mobile. In addition to the service information they provide to customers, they also provide price information in relation to them. contains. In this application of the invention, the service information database (4), the service price and service code information in relation to the service information. keeps on record.

The subscriber information database (5) in the system (1), which is the subject of the invention, belongs to the customers. It is the unit that records the information. Subscriber information database (5), user Profile, payment account information transmitted by the customer (M) over the access device (2), and creates the inuser (M) record in accordance with the safety information. Subscriber information database (5) is in communication with the authorization person (6); in such a way as to allow the authorization unit (6) to run queries on it. is configured.

Authorization person (6) in the inventive system (1), customer (M) It is the unit that carries out the verification and customer (M) approval processes. Authorization unit (6), the profile transmitted by the customer (M) over the user access device (2), in the database of subscriber information in line with payment account and security information (5) creates the customer record. Authorization unit (6), payment management In accordance with the customer (M) identification information and payment information transmitted by the unit (7) Customer (M) verification by running a query on the subscriber information database (5) performer and whose payment information is running on the user access device (2) to be submitted to the approval of the customer (M) via the application interface. transmits it to the access device (2).

Receiving the payment confirmation preference of the customer (M) on the user access device (2) transmits the authorization person (6), the approval preference to the payment manager (7).

In one embodiment of the invention, the authorization unit (6) is the consent of the customer (M). instant messaging application running on user access device (2) takes over.

In another embodiment of the invention, the authorization unit (6) is the consent of the customer (M). SMS (Short Message Service - Short) option via user access device (2). Message Service).

In another embodiment of the invention, the authorization unit (6) is the consent of the customer (M). IVR (Interactive Voice Response - Interactive Voice Response).

Authorization unit (6) approves customer (M) OTP over specified channels. (One Time Password), PlN (Personal ldentification Number - Customer (M) approval with methods such as Personal Identification Number) and mobile signature takes its choice.

Payment management unit (7), service unit (3) in the system (1), which is the subject of the invention, with service information database (4), authorization unit (6) and payment channels (P) is in communication. Payment management unit (7), customer (M) of service unit (3) information, service information and payment channel (P) information. service information in the service information database (4). by running a query with the product / service information or product / service code included in the receives product/service price information. Payment management unit (7), customer (M) customer (M) information and service information for verification and customer (M) approval sends it to the authorization unit (6). Payment in an application of the invention management unit (7), customer (M) and service information as well as service information data in order to submit the information about the price he inquired from the base (4) to the approval of the customer (M). sends it to the authorization unit (6).

In one embodiment of the invention, the payment management unit (7) receives from the service unit (3). payment channel (P) information and price information received from the service information database (4) By communicating with the relevant payment channel (P) in line with the service price information amount of the customer (M) payment account is reserved (reserved) and the customer (M) and transmits the service information to the authorization unit (6). find this In the application, the payment management unit (7) receives from the authorization unit (6). If the approval preference is positive, it will be re-issued with the relevant payment channel (P). completes the payment process by communicating.

The authorization unit (6) confirms that the customer (M) is verified and confirms the approval preference. receiving payment management unit (7), if the approval preference is valid, the payment management unit (7) From the customer (M) payment account to the service provider by communicating with the channel (P) processes the payment. Payment management in an application of the invention unit (7) sends the product/service to the service unit (3) in accordance with the approval of the customer (M). notify the customer (M) to provide and process the payment. is performing.

In one embodiment of the invention, the payment management unit (7) handles the payment transaction. payment channel (P) is a channel such as credit card and mobile invoice.

Thanks to the inventive system (1), customers can have different They are allowed to make payments through payment channels. Promise Internet access of the customer (M) service provider company within the subject system (1) the service unit he offers for his purchase (3), the service preference he wishes to purchase. transmits. The service preferred by the customer (M) can be a product or a service.

The service unit (3) receives the relevant customer (M) request within the system (1) which is the subject of the invention. forwards it to the payment management unit (7). Payment management unit (7) registered service to obtain approval from the customer (M) by obtaining the price information from the catalog transmits the necessary data to the authorization unit (6). Authorization unit (6) With the information he receives, he sends the necessary information to the user access device (2). obtains approval for the relevant purchase from the customer (M) with channels and methods, and transmits the approval result to the payment management unit (7). Payment management unit (7) contacting the preferred payment channel (P) to pay for the relevant transaction. completes its task.

A platform for mobile payment transactions that require different payment channels payment method (100); - the purchase request of the customer (M) by the user access device (2) forwarding it to the service unit (3) (101), - service, customer (M) and payment channel (P) by service unit (3) forwarding the information to the payment management unit (7) (l 02), - service information and service information by the payment management unit (7) obtaining service price information by running a query in the database (4), - service information, service price information by the payment management unit (7) and forwarding the customer (M) information to the authorization unit (6) (104), - subscriber information data of the customer (M) by the authorization unit (6) customer (M) payment account information by querying from to be taken (105), - the user of the service and price information by the authorization unit (6) forwarding (106) to the access device (2), - by receiving the customer (M) approval preference by the user access device (2) forwarding it to the authorization unit (6) (107), - with the customer (M) approval preference by the authorization unit (6) customer (M) payment account information to the payment management unit (7) transmit (108), - control of customer (M) approval preference by the payment management unit (7) (109), - If the customer (M) approval preference is positive, the payment management Payment can be made by communicating with the payment channel (P) by the unit (7). - payment management unit (7) in case the payment transaction is completed informing the service unit (3) (1 1 l), - If the customer (M) approval preference is not positive, the payment management Informing the service unit (3) by the unit (7) (112) contains the steps.

Thanks to the inventive payment method (100), customers can It is possible to make payments over the Internet with different payment channels.

With the method (100) in question, it is possible to shop over the Internet for customers. A secure payment method is offered.

Various applications of the inventive system (1) and method (100) development is possible and the invention cannot be limited to the examples described herein. essentially as specified in the claims.

To the service unit (3) of the customer's (M) purchase request by the user access device (2) transmitting Payment management of service, customer (M) and payment channel (P) information by the service unit (3) unit (7] Query the service information and service information database (4) by the payment management unit (7) obtaining service price information by operating The payment management unit (7) provides service information, service price information and customer (Ml information forwarding it to the authorization unit (6] By querying the subscriber information of the customer (M) from the database (5] by the authorization unit (6) Receiving customer (M) payment account information Transmission of service and price information to the user access device (2) by the authorization unit (6) By receiving the customer (M) approval preference by the User Access Device (2), the authorization unit (6) transmitting With the customer (M) approval preference by the authorization unit (6), the customer (M) payment account forwarding the information to the payment management unit (7) NO YES Customer did he give Payment management unit 112 By payment management unit (7) Communication with the service / payment channel (P) by (7) unit (by establishing 3l, the payment process is completion of notification Completion of the payment process (7) to the service unit (3) not informing

Claims (1)

REQUESTS 1. Carrying out mobile payment transactions that require different payment channels through a platform; At least one user access device (2) that can run at least one application on which the customer (M) interacts, in communication with the user access device (2), for payment transactions in line with the preferences of the customer (M) transmitted through the user access device (2) At least one service unit (3) that initiates the necessary actions, at least one service information database that records the information about the services that can be provided to the customer (M) as a product, package catalogue, and at least one subscriber information database (5) that records the subscription information of the customers. and the customer authorized the customer (M) by running a query on the subscriber information database (5) in accordance with the authentication information transmitted by the customer (M) through the user access device (2), and transmitting the approval content to the user access device (2) in order to obtain the approval of the customer (M) in accordance with the payment information received. and at least one authorization unit (6) that receives the preferences created by the customer (M) for the approval content, from the service unit (3) Receives the transmitted service information and payment channel (P) information, determines the service fee by running a query in the service information database (4) in line with the service information it receives, transmits the service information and the service fee information to the authorization unit (6), and is the customer of the authorization unit (6). A system (1) characterized by at least one payment management unit (7) that makes a request for payment to the payment channel (P) transmitted by the service unit (3), together with the customer's (M) identity information and service fee, in the event of a reply containing M) approval. . . A system as in Claim 1, which is in communication with the service unit (3) over a data network and is characterized by a user access device (2) that allows the customer (M) to see the services that may be products/services in accordance with the information provided by the service unit (3). (l). . A system (1) as in Claim 2, characterized by a user access device (2) that transmits the service preferences that the customer (M) wants to purchase to the service unit (3) over the data network. . A system (1) as in Claim 1 or Claim 39, characterized by a user access device (2) that displays the approval content to the customer (M) via an appropriate interface in line with the approval content containing service information and fee information conveyed by the authorization unit (6). . A system (1) as in Claim 4, characterized by a user access device (2) running an application that allows the customer (M) to create a record and generate a response to a payment confirmation request. Characterized by the service unit (3), which transmits the customer (M) information along with the service information and the payment channel (P) information offered by the service unit (3) or preferred by the customer (M) to the payment management unit (7) in line with the customer (M) preferences. A system such as claim 4 or Istein Site (1). . A system (1) as in Claim (1), characterized by the service unit (3) that transmits the product/service code and the quantity of the product to the payment management unit (7). A system like Istein T (1), which is characterized by a service information database (4) containing price information in relation to the service information that the contracted service providers offer to the customers on mobile. A system (1) as in Claim 87, characterized by a service information database (4) that records the service information and the service code information associated with the service information. A system (1) as in any of the previous claims, characterized by the subscriber information database (5) that communicates with the authorization unit (6) and allows the authorization unit (6) to run queries on it. . In accordance with the customer (M) identification information and payment information transmitted by the payment management unit (7), the customer (M) is verified by running a query in the subscriber information database (5) and the payment information is approved by the customer (M) via the application interface running on the user access device (2). A system (1) as in Claim 10, characterized by an authorization unit (6) that transmits to the user access device (2) to be presented. A system (1) as in Claim 11, characterized by an authorization unit (6) that receives the customer (M) payment approval preference transmitted by the user access device (2) and transmits the approval preference to the payment management unit (7). A system (1) as in Request 12, characterized by the authorization unit (6) that receives the customer's (M) approval preference over the instant messaging application running on the user access device (2). A system (1) as in Claim 12, characterized by an authorization unit (6) that receives the customer's (M) approval preference via the user access device (2) via SMS. A Service unit (3), service information database (4), authorization unit (6) as in Claim 12, characterized by the authorization unit (6) that receives the customer's (M) approval preference via the IVR channel over the user access device (2). and a system (1) as in any one of the previous claims, characterized by the payment management unit (7) communicating with the payment channels (P). A system (1) as in Claim 16, characterized by the payment management unit (7), which transmits the customer (M) and service information, as well as the price information it inquires from the service information database (4), to the authorization unit (6) to submit to the customer (M) approval. In accordance with the payment channel (P) information received from the service unit (3) and the price information received from the service information database (4), he has contacted the relevant payment channel (P) and reserved a place (reserved) from the customer (M) payment account as much as the amount of service price information, and A system (1) as in Claim 16, characterized by a payment management unit (7) that transmits customer (M) and service information to the authorization unit (6). If the approval preference received from the authorization unit (6) is positive, a system as in Claim 18 characterized by the payment management unit (7), which completes the payment transaction by communicating with the relevant payment channel (P) again, confirms that the customer (M) is verified from the authorization unit (6). and a payment management unit (7), which receives the approval preference and communicates with the payment channel (P) if the approval preference is positive, and carries out the payment transaction from the customer (M) payment account to the service provider (1). 21. Carrying out mobile payment transactions that require different payment channels through a platform; - forwarding of the purchase request of the customer (M) to the service unit (3) by the user access device (2), - to the Payment management unit (7) of the service, customer (M) and payment channel (P) information by the service unit (3) ) ( 102 ), - receiving service information (103) by running a query on the service information and service information database (4) by the payment management unit (7), - service information, service price information and customer service information by the payment management unit (7). Transmitting (M) information to the authorization unit (6) (104), - obtaining customer (M) payment account information by querying the customer's (M) subscriber information database (5) by the authorization unit (6), - authorization unit (6 ) transmitting the service and price information to the user access device (2) (106), - receiving the approval preference of the customer (M) by the user access device (2) and transmitting it to the authorization unit (6) (107), - by the authorization agent (6) to the customer (M) forwarding the customer (M) payment account information together with the approval preference to the payment management unit (7) (108), - checking the customer (M) approval preference by the payment management unit (7), - the customer (M) approval preference is positive if the payment management unit (7) communicates with the payment channel (P) to complete the payment transaction (1 10), - if the payment transaction is completed, the payment management unit (7) informs the service unit (3) (111), - the customer (M) a payment method (100) characterized by the steps (112) of informing the service unit (3) by the payment management unit (7) if the approval preference is not positive.