AU2022205265A1 - Digital service-based pawn transaction system - Google Patents

Abstract

An easy, safe and convenient digital service-based pawn transaction system according to the invention, comprising: a public device of Android-based, or IOS-based, or web-based which is provided or installed with the panwshop digital application (Front End) which is available on play store; a digital pawnshop local server comprising at least a flest switching network/server which is connected/interconnected to third parties networks/servers (for example, Gojek service server, or MOTRANS network/server) to support/perform exchanges of data of transactions and a Flest Virtual Account (Flest VA) network/server which is connected/interconnected to a G-Reward network/server to perform exchanges of data or available transactions, thereafter the resulted data management is transmitted/transferred to a Flest Core network/server to transmit a notification to the customer/end user of the ongoing transaction; a digital Application Programming Interface (API) that bridges public data management to the pawnshop local network/server, meanwhile the digital Application Programming Interface (API) is connected/interconnected to a LOS service network/server to support and perform exchanges of data of transactions, and is connected/interconnected to a shares pawn service network/server to support the public needs and the available transaction data. 5/5 C 0 00 C~ 1n c M c EE -zz Ua C Z I,, 2uU 0 0, 3 00 0 000 00 Cso E E

Description

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Title of Invention

DIGITAL SERVICE-BASED PAWN TRANSACTION SYSTEM

Technical Field of Invention

[0001]

This invention relates to a digital service-based pawn

transaction system. Specifically, it relates to a system that

facilitates customers in choosing products or services, making

installment payments, or repaying the collateral items

digitally without necessarily visiting the pawnshop outlet

(counter).

Background Art

[0002]

As the technology and customers' situation develop,

pawnshop companies, which have received increasing interest

from the society, need to develop their service. In recent

years, it has been familiar that customers have to visit a

pawnshop office (outlet/counter) in order to do transactions;

such activity is considered as ineffective and brings

difficulties to customers which causes many unpaid

installments and unresolved repayments of collateral items.

Not only customers that suffer from such situation, but also

the pawnshop companies experience losses due to the complex

transaction procedures with long queue and time consumption.

[0003] Pawnshop companies have initiated the utilization of

computer and network/internet technology, however, it is

merely to accelerate the pawn service, or in other words, it

is only a one-way service, that is, the customers are not able to interact with the pawnshop offices. Interactions are only made available between the pawnshop's headquarter and branch offices, but no effective customer service is involved therein.

The applications or programs are not yet connected to

customers, so that the transactions still does not run

smoothly. At the same time, the development of electronic,

computer, mobile phone technologies, and others have rapidly

increased and they have been utilized as vital transaction

tools that are cross-boundaries, time, and condition.

[0004]

Recently, there are also many financial service, trade,

and transportation companies that have utilized these

electronic and digital technologies.

[0005] Our previous Indonesian patent number IDP000067592 (02

24-2020) discloses an integrated pawn reporting and

transaction system. The integrated pawn reporting and

transaction system comprises a Data Center server, RIM

(Reconcile Information Management) server, and MIS (Management

Information System) server. The Data Center server operates to

perform transactions, validation, valuation/appraisal,

payment, and repayment. RIM (Reconcile Information Management)

server operates to conduct reconciliation, which is to compare

data of transactions from partners with the internal data. MIS

(Management Information System) server operates to generate

internal and external reporting. Further, Data Center server

and MIS (Management Information System) server have various

modules.

[0006] The US patent number US 11018851 B2 (Pankaj Sari, Elkhom,

NE (US)) discloses the systems and methods of multi-blockchain

digital transaction information segregation system that

receive a first digital transaction, which includes first and second digital transaction information through a network via broadcast by a first transaction device. A primary blockchain address provided on a primary blockchain is then identified in the digital transaction, and a smart contract that is stored on the primary blockchain in association with the primary blockchain address is accessed. The primary blockchain smart contract is then executed to cause the first digital transaction information to be stored on the primary blockchain, and the second digital transaction information to be stored on a secondary blockchain that is separate from the primary blockchain. In a specific example, the first digital transaction information identifies a physical property, and the second digital transaction information identifies a purchase price of the physical property.

[0007]

W02021/202474A1 discloses an automated method of checking

tor legitimacy during a digital asset transaction, including

by a customer, initiating a digital asset transaction,

receiving a wallet address corresponding to a wallet, checking

the wallet address against one or more databases, wherein said

one or more databases comprise wallet transaction history and

risk category information, determining if the wallet address

should be flagged as a suspicious transaction based on the

transaction history and risk category information stored in

the one or more databases, if the wallet address is flagged as

suspicious, rejecting the transaction and notifying the

customer of the rejection, or moving the digital assets to a

holding wallet for further checks, and if the wallet address

is not flagged as suspicious, releasing the digital assets and

proceeding with the transaction.

[0008] Based on the above descriptions, it has been identified

that the previous pawn transaction technologies are still segregated and are not easily and conveniently accessible by public.

Brief Description of Invention

[00091 Therefore, it is the object of this invention to provide

an easy, safe and convenient pawn transaction system.

[0010]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, comprising:

a digital pawnshop local server comprising at least a

flest switching network/server which is

connected/interconnected to third parties' networks/servers

(for example, Gojek service server, or MOTRANS network/server)

to support/perform exchanges of transaction data and a Flest

Virtual Account (Flest VA) network/server which is

connected/interconnected to a G-Reward network/server to

perform exchanges of data or available transactions,

thereafter the resulted data management is

transmitted/transferred to a Flest Core network/server to

transmit a notification to the customer/end user of the ongoing

transaction;

a public device of Android-based, or IOS-based, or web

based provided or installed with the panwshop digital

application (Front End) which is available on play store; and

a digital Application Programming Interface (API) that

bridges the public data management to the pawnshop local

network/server, meanwhile the digital Application Programming

Interface (API) is connected to a LOS service network/server

to support and perform exchanges of data of transactions, and

is connected to a shares pawn service network/server to support

the public needs and the available transaction data.

[0011]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein a

business application can run digital transactions such as a

conventional-based core or a sharia-based core (Core).

[0012]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

system is connected to a plurality of supporting applications

including partners' networks/servers such as MPO server, bank

server, Dukcapil (Indonesian civil registration) server, or

pawn gallery server (Partners).

[0013]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

system, to facilitate the easiness and convenience in doing

transactions, is connected to supporting networks/servers such

as ERICA authorization code reader (Scan QR-code) or ERICA

mini-MPOS (App Support).

[0014]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, comprising:

wherein the public device includes pawnshop digital devices,

pawnshop super-administrator devices, branch administrator

devices, and customer/end user devices.

[0015]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

public device of Android-based, or IOS-based, or web-based

provided or installed with the panwshop digital application

(Front End) which is available on play store, the public device

can directly do pawn transactions.

[0016]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

digital Application Programming Interface (API) or other pawn

business applications such as Kartu Emas (Gold Card), Mesin

Gadai Efek (Shares Pawn Machine), or G-Cash (Pawn-Cash) which

are installed in the digital pawn server (Back End) can run

offline and online pawn transactions to and from the public

device.

[0017]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

digital Application Programming Interface (API) or other pawn

business applications are digitally connected to the Flest

Switching digital network/server (IP) and/or the Flest Virtual

Account network/server and the Flest Core network/server (IP).

[0018]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

digital Application Programming Interface (API) or other pawn

business applications can perform an exchange or are

interconnected with the LOS Service server and the shares pawn

service server.

[0019]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein the

Flest Switching digital network/server can perform exchanges

of data with third parties' networks/servers such as GOJEK

SERVICE database or MOTRANS SERVICE database in doing

transactions, and exchanges of data with pawn reward (GREWARD)

server in choosing an option of transactions.

[0020]

An easy, safe and convenient sharia digital service-based

pawn transaction system according to the invention,

comprising:

a public device of Android-based, or IOS-based, or web

based which is provided or installed with the panwshop digital

application (Front End) which is available on play store;

a pawnshop local device including a customer backend

server application, a minio backend server application, and an

agent backend server application;

the public device and the pawnshop local device are

interconnected with an HAProxy interface through the network

of the customer, minio, or agent devices, respectively; and

the exchanged data resulted from the interconnection of

devices is transmitted to the pawnshop Application Programming

Interface (API) to do the digital service-based sharia pawn

transactions.

[0021]

An easy, safe and convenient sharia digital service-based

pawn transaction system according to the invention, wherein

the public device comprising an agent front end server

application, a customer front end server application, and an

end user/client device application that are able to input,

receive and exchange data.

[0022]

An easy, safe and convenient sharia digital service-based

pawn transaction system according to the invention, wherein

the pawnshop local device comprising an agent backend server

application, a customer backend server application, and an end

user/client device application that are able to be

interconnected for exchanges of data.

[0023]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein for activation/use of the pawnshop digital service application, each customer/end user must input CIF corresponding with data from his/her civil registration ID and OCR.

[0024]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein CIF

data contains the civil registration ID number, date of birth,

and mother's maiden name.

[0025]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein CIF

contains personal data recognition such as biometric (taken

from direct detection of the customer/end user's photo/video

shoot (face recognition)).

[0026]

An easy, safe and convenient digital service-based pawn

transaction system according to the invention, wherein CIF is

stored in the customer's database and is automatically

connected to the customer's financial information for

financial activation (generating PIN and OTP) and/or an upgrade

to premium account.

Brief Description of Drawings

[0027]

For clearer understanding of the invention, the subject

matter of the invention will be described with reference to

the accompanying drawings:

Fig. 1 shows a chart of an application ecosystem of a

pawnshop digital service according to the invention;

Fig. 2 shows an architectural chart of a conventional

based pawnshop digital service application according to the

invention;

Fig. 3 shows an architectural chart of a sharia-based

pawnshop digital service application according to the

invention;

Fig. 4 shows a flow of data in a digital service

transaction system according to the invention;

Fig. 5 shows a path of a transaction or a customer

membership activation (customer information file/CIF) or an

upgrade to premium account according to the invention.

Best Mode for Carrying out Invention

[0028]

As described above, the object of the invention is to to

provide an easy, safe and convenient digital service-based

pawn transaction system. Pawn transactions comprises: gold

saving, gold installment purchasing, pawning, financing, and

online multipayment. Digital pawnshop is an application used

by customers/end users to do pawn transactions. Pawn

transactions consist of two types, i.e. conventional-based

pawn transactions and sharia-based pawn transactions. PT.

Pegadaian (Persero) complies with the Indonesian government

regulation with regards to Anti-Money Laundering and

Prevention of Terrorist Financing. Therefore, PT. Pegadaian

(Persero) as a Financial Service company needs to conduct

Customer Due Diligence (CDD) in a purpose of identifying,

verifying, and monitoring transactions according to the

profile, character, pattern of transactions of a candidate

customer or a walk in customer.

[0029]

Fig. 1 shows the chart of the application ecosystem of

the pawnshop digital service according to the invention. In

this case, the role and function of the elements in the service

will be described, for example, in Front End (10), all devices

to be used for doing transactions in the pawnshop digital service may be of Android-based or IOS-based, or web-based.

Furthermore, to be able to do transactions, the devices must

be installed with the pawnshop digital service application

which is available on Play Store, or App Store, or Google

Store. The pawnshop digital service application will display

selection menu of conventional-based or sharia-based

transactions. The elements in Back End (20) comprise

Application Programming Interface (API) to bridge the exchange

of data among the elements and to run the selected

transactions, for example, Kartu Emas (Gold Card) application,

Gadai Efek (Shares Pawn) Machine application, and Gadai-Cash

(Pawn-Cash). The element of Switching (30) with the main

element, JSwitch IS08583 application, performs the selection

of financial services through the data exchange application

(Rest Core) or the virtual transfer service application (VA

service). The element of Core (40) contains two applications,

i.e. the conventional-based core and the sharia-based core.

The element of Partners (50) is a form of a financial and

reporting service application which includes online reporting

models (Model Pelaporan Online or MPO), banking services, civil

registration services, information on the pawnshop gallery

(Galeri 24). The element of App-support (60), is an application

to support the convenience in doing transactions through a

camera that captures Scan QR-code logo by using ERICA

application or a microchip online report scanning machine

application by using MPOS mini-ERICA application. These

elements are arranged such that they provide easy, safe and

convenient transactions.

[00301 Fig. 2 shows the architectural chart of the conventional

based pawnshop digital service application according to the

invention. The conventional-based pawnshop digital service

application is one of the digital service types, in which the architecture includes at least three main blocks, i.e. first, public device and application (101) which includes a digital service network/server, a super-administrator network/server, a branch network/server (102), and a customer/end user device

(103). Second, the pawnshop local device and application (301)

which, in the operation, includes a flest switching digital

network/server (302) and a flest Virtual Account (Flest VA)

network/server (303), both of which are interconnected and are

able to exchange data with third parties networks/servers (304)

such as Gojek service network/server (305), MOTRANS service

network/server, and pawn reward network/server (GReward)

(307). Third, a digital Application Programming Interface

(API) device and application (201), the digital API

network/server (201) is interconnected with a level of service

(LOS) network/server (202) and a shares pawn service

network/server (203) to perform exchanges of data and

information.

[0031]

The public device and application (101) is connected to

to the pawnshop local application and device (301) through the

digital Application Programming Interface (API) network/server

(201) to perform an easy, safe, and convenient transactions as

data/information to be displayed in the Flest Core

network/server (308).

[0032]

Fig. 3 shows the architectural chart of the pawnshop

sharia digital service (PSDS) application according to the

invention. Also, the pawnshop sharia digital service

application comprises at least three main blocks, i.e. first,

the public device (1011) which includes a sharia agent front

end network/server (1012), a PSDS front end network/server

(1013), and a customer/end user device (1014). Second, a

sharia-based digital pawnshop local device (3011) includes a customer sharia-based network/server (3012), a minio network/server (3013), and an agent sharia-based server

(3014). The customer sharia-based network/server internally

comprises a PSDS back end server (3015) which is interconnected

to a PSDS database network/server (3016), the Minio

device/server (3013) which includes a Minio network/server

(3021) and a Redis network/server (3022), and an agent sharia

based device/server (3031), which includes an agent back end

network/server and an agent database/server (3032), both of

which are interconnected to perform the service and exchanges

of data and information. The customer network/server is

connected to the agent back end server, while the PSDS back

end network/server is interconnected to Minio server and is

interconnected to the agent database/back end server, and also,

the customer server is interconnected to the Redis Minio server

and is interconnected to the agent server. Third, an HAProxy

network device (2011) to bridge the interconnection between

the public device (1011) and the pawnshop local device (3011).

Note that the term "connected" herein means to be connected by

passing through data to the associated server, while the term

"interconnected" means to be connected to each other and to be

able to perform exchanges of data among the associated servers.

Lastly, the exchanged data from the public network/server and

the pawnshop local network/server is transmitted to the

pawnshop application programming interface network/server

(2012).

[00331 The operation or procedure of the overall digital service

pawn transaction system is described in the flow of data in

Fig. 4 that shows the flow of data in the digital service

transaction system according to the invention. The pawnshop

digital service (PDS) (101) is interconnected to the

Application Programming Interface (API) (201), both of which are able to exchange data of the operation and transactions, after the transaction data is confirmed as authentic and valid, the payment may be made through data switching (301) by Jswitch data exchange application (303) to Link Aja (Grab, Gojek, and others -Indonesian fintech service providers), or digital wallet, or Pulsa (Indonesian fintech service provider). Also, the transaction payment may be made though Virtual Account

Service (VA Service) to the banks or multipayment menu which

is available in the banking service (302), wherein the banks

have established an agreement or provide pawnshop digital

service, for example, the Indonesia-based Bank Rakyat

Indonesia, Bank Negara Indonesia 1946, Bank Cetral Asia, Bank

Mandiri and Bank Permata. Data and information of switching

(301) is interconnected to the conventional-based data

exchange application (401) which is affiliated to the

conventional-based digital service database (403), the sharia

based data exchange application (402) which is affiliated to

the sharia-based digital service database (404), and is

interconnected to the switch database (405). Also, Virtual

Account data (302) is interconnected to the switch database

(405).

[0034]

Fig. 5 shows the path of the transaction or the customer

membership activation (customer information file/CIF) or the

upgrade to premium account according to the invention. In order

to do transactions in the pawnshop digital service system, in

addition to installing the pawnshop digital service

application (PDS), the membership (CIF) or transaction (01)

data must be filled in for customer identification (Know Your

Customer) by performing an upgrade to premium account (02)

which is followed by a display of barcode to check the

membership (CIF) (03), if the membership is confirmed as valid,

a copy of electronic ID card and OCR should then be submitted

(04), followed by a checking of CIF data, i.e. ID number, or

date of birth, and mother's maiden name (05), subsequently

taking picture of the face (06) by smiling in front of the

camera of the customer/end user's device with liveness

detection, followed by filling in the customer's financial

information (07) (for example, education, source of fund,

purpose and objective), further proceeding to financial

activation (08) (transmitting OTP to the device through email

or SMS to the registered phone number) until the notification

form to generate PIN (09) is sent, subsequently inserting the

PIN number to the financial application and when accepted, the

upgrade to the premium account succeeds.

[00351 The process in the pawnshop digital service application

comprises going to the setting menu and selecting to upgrade

to premium account, capturing photo of ID card in the provided

area, then filling in the identity data and clicking on the

agreement of terms and condition, then recording self portrait

by smiling in front of the camera of the device used by the

customer, further completing the financial data (filling in

the form displayed on the screen of the device including

education, source of fund, income, purpose and objective) and

submitting them, then receiving OTP and inputting it to the

box on the screen, further proceeding to generate new PIN code,

receiving a notification of the process to upgrade to premium

account.

[00361 The foregoing description by means of the drawings is not

to limit the scope of the invention, it is merely to facilitate

understanding of the gist/spririt of the invention. The scope

of the invention is defined in the appended claims.

Claims (16)

1. An easy, safe and convenient digital service-based pawn

transaction system according to the invention, comprising:

a public device of Android-based, or IOS-based, or web

based which is provided or installed with the panwshop digital

application (Front End) which is available on play store;

a digital pawnshop local server comprising at least a

flest switching network/server which is

connected/interconnected to third parties' networks/servers

(for example, Gojek service server, or MOTRANS network/server)

to support/perform exchanges of data of transactions and a

Flest Virtual Account (Flest VA) network/server which is

connected/interconnected to a G-Reward network/server to

perform exchanges of data or available transactions,

thereafter the resulted data management is

transmitted/transferred to a Flest Core network/server to

transmit a notification to the customer/end user of the ongoing

transaction; and

a digital Application Programming Interface (API) that

bridges the public data management to the pawnshop local

network/server, meanwhile the digital Application Programming

Interface (API) is connected to a LOS service network/server

to support and perform exchanges of data of transactions, and

is connected to a shares pawn service network/server to support

the public needs and the available data of transactions.

2. The easy, safe and convenient digital service-based pawn

transaction system according to claim 1, wherein a business

application can run digital transactions such as a

conventional-based core or a sharia-based core (Core).

3. The easy, safe and convenient digital service-based pawn

transaction system according to claim 1 or 2, wherein the

system is connected to a plurality of supporting applications

including partners' networks/servers such as MPO server, bank

server, Dukcapil (Indonesian civil registration) server, or

pawn gallery server (Partners).

4. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 3, wherein the

system, to facilitate the easiness and convenience in doing

transactions, is connected to supporting networks/servers such

as ERICA authorization code reader (Scan QR-code) or ERICA

mini-MPOS (App Support).

5. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 4, wherein the

public device includes pawnshop digital devices, pawnshop

super-administrator devices, branch administrator devices, and

customer/end user devices.

6. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 5, wherein the

public device of Android-based, or IOS-based, or web-based

provided or installed with the panwshop digital application

(Front End) which is available on play store, the public device

can directly do pawn transactions.

7. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 6, wherein the

digital Application Programming Interface (API) or other pawn

business applications such as Kartu Emas (Gold Card), Mesin

Gadai Efek (Shares Pawn Machine), or G-Cash (Pawn-Cash) which

are installed in the digital pawn server (Back End) can run

.. I

offline and online pawn transactions to and from the public

device.

8. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 7, wherein the

digital Application Programming Interface (API) or other pawn

business applications are digitally connected to the Flest

Switching digital network/server (IP) and/or the Flest Virtual

Account network/server and the Flest Core network/server (IP).

9. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 8, wherein the

digital Application Programming Interface (API) or other pawn

business applications can perform exchanges or are

interconnected with the LOS Service server and the shares pawn

service server.

10. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 9, wherein the

Flest Switching digital network/server can perform exchanges

of data with third parties' networks/servers such as GOJEK

SERVICE database or MOTRANS SERVICE database in doing

transactions, and exchanges of data with pawn reward (GREWARD)

server in choosing an option of transactions.

11. An easy, safe and convenient sharia digital service-based

pawn transaction system according to the invention,

comprising:

a public device of Android-based, or IOS-based, or web

based which is provided or installed with the panwshop digital

application (Front End) which is available on play store; a pawnshop local device including a customer backend server application, a minio backend server application, and an agent backend server application; the public device and the pawnshop local device are interconnected with an HAProxy interface through the network of the customer, minio, or agent devices, respectively; and the exchanged data resulted from the interconnection of devices is transmitted to the pawnshop Application Programming

Interface (API) to do the digital service-based sharia pawn

transactions.

12. The easy, safe and convenient sharia digital service

based pawn transaction system according to claim 11, wherein

the public device comprising an agent front end server

application, a customer front end server application, and an

end user/client device application that are able to input,

receive and exchange data.

13. The easy, safe and convenient sharia digital service

based pawn transaction system according to claims 12 and 13,

wherein the pawnshop local device comprising an agent backend

server application, a customer backend server application, and

an end user/client device application that are able to be

interconnected for exchanges of data.

14. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 13, wherein for

activation/use of the pawnshop digital service application,

each customer/end user must input CIF corresponding with data

from his/her civil registration ID and OCR.

15. The easy, safe and convenient digital service-based pawn

transaction system according to claims 1 to 14, wherein CIF data contains the civil registration ID number, date of birth, and mother's maiden name, personal data recognition such as biometric (taken from direct detection of the customer/end user's self portrait (face recognition)) which is taken directly from the camera of the device used by customer/end user.

16. The easy, safe and convenient digital service-based pawn

transaction system according to the above claims, wherein CIF

is stored in the customer's database and is automatically

connected to the customer's financial information for

financial activation (generating PIN and OTP) and/or an upgrade

to premium account.