BR102013001145A2 - top-up credit system - Google Patents

Abstract

The cash credit recharge system, which belongs to the technical sector of information technology, has the purpose of selling specific recharge for cash credit to pay bills, whether printed or virtual, simply by having a barcode. or identification number, the data of which will be transmitted using technology (sms), (ms), (web), (e-mail) or any other technology that may send or receive data in a manner compatible with the payment. The customer will use this service through the purchase, use of specific credit for payments, which will be made available through a network of partners, companies that operate non-banking activities as main business pos, where specific recharges for credit in cash will be available. for the consumer.

Description

RECHARGE SYSTEM FOR THE ACQUISITION OF CASH CREDIT.

[01] The present invention relates to a specific recharge selling system for the acquisition of cash credit for payment of bills, whether printed or virtual, simply by having a bar code or identification number, the data of which will be transmitted via using technology (SMS), (MS), (WEB), (email) or any other technology that can send and receive data in a manner compatible with the payment system. This service comes with the purpose of providing the population with more comfort and agility, being another alternative way to pay bills, with payment of slips, water bill or electricity, through the bank clearing system. This payment system is the enhancement of the Bank Correspondent service, whose function is the receipt of bank accounts and bank slips, typical of banks and other financial institutions, authorized by BACEN. It belongs to the technical sector of information technology.

[02] Banking correspondent activity, together with credit and micro credit cooperative programs, is part of a set of measures adopted by the federal government in the financial area to reduce Brazilian social inequalities. With the use of this new payment system, the federal government's proposal may be more effective in reducing social inequality, as it securely and equitably provides access to payment of bills, regardless of social class.

[03] The cash payment service may also be used to pay for purchases of specific products by public or private companies, simply by having an interface with the payment system. As an example the pay per acquisition for lottery games (mega sena, sena, quina ...). Covenants will also be used with companies, which have opted to have their receivables through technology compatible with the payment system, exchanging the physical bill (papers) for the ease and convenience of virtual receipts, in the form of collections.

[04] The customer will use this service through the acquisition, use of specific credit for payments, which will be made available through a network of partners, companies that operate non-banking as their main POS business, where specific recharges to obtain credit to view will be available to the consumer. The financial system together with the POS form a new form of unit for payment of bills, having a function similar to that of correspondent bank, but with an essential difference where the money used for payment is converted into virtual currency by buying credit to the bank. viewed using the specific recharge system and the processing of receivables is done by the payment system being processed in a virtual way and forwarded to the destination bank for compensation.

[05] POS is a point of sale or point of service. It can be a cash register in a store, or another place where a sale transaction occurs. It may also indicate credit card machines and other selling electronic terminals. POS systems are used in service stations, restaurants, hotels, stadiums, casinos as well as retail stores. In short, if something can be sold there is the POS system.

[06] The customer to initiate the use of the specific recharge sale service for the purchase of cash credit, must first register via the system page on (WEB) or by sending (SMS), (MS) or any other technology compatible with that of the financial system. Just send your social security number to the system access code. Soon afterwards you will receive a personal, non-transferable password that will allow you to complete the operations. The customer every time they want to access the system to make some kind of payment must first send their social security number, then choose one of the menu options (balance, payment, previous debts, etc ...), and finally, type your personal password so that the system can perform the desired service.

[07] When requesting cash credit through one of the POS points of sale, the customer will inform their social security number and the amount they wish to credit. After the POS has sent the data, a voucher will be issued, including the CPF number, the amount that was credited, plus the total amount in your deposit cell, to make payments. The credit acquired through the specific recharge will be made available virtually in a deposit cell, individual character, linked to the user's CPF, with a specific password for access, which will be used at the time the customer wishes to make bill payments. It will send a message and can be through any technology compatible with the payment system such as (SMS) informing your CPF. Soon after you will receive a menu of options and among them the payment option. By opting for this service you will be asked for the bar code or ID number for that account. When sending, the customer will receive another (SMS) confirming the data contained in the slip, such as creditor, amount, due date. Afterwards, you will confirm the data by answering (SMS), and finally you will enter your password, authorizing the transfer of the credit that is available in the deposit cell for the payment of the respective account with its respective amount. At the end of the payment the voucher will be received via (SMS), being an authentication code for the paid account, it can be printed through the payment system's web page, using your CPF and specific password or requesting the printing on any specific refill point of sale.

[08] This service will extend to anyone who has any means of transmitting and viewing data by technology (SMS), (MS), (WEB), (email) or any other technology compatible with that of the system. recharge payment scheme specifies for the purchase of cash credit. PROPOSED SYSTEM SERVICE Virtual Billing Title (COMPANY) [09] In order to reduce bureaucracy and default for BUSINESS and provide agility, convenience and security for customers, an alternative Virtual Payment by (SMS) will be made available { MS), (WEB), (e-mail), or any other technology compatible with that of the recharge payment system specific to the purchase of credit at sight.

[10] The customer, when opting for this payment service, will receive the billing title in a virtual way, which is a installment, a monthly payment or installment of the credit, with the identification code of the product or service purchased, as the creditor. , amount, due date via (SMS), or any other technology requested by the customer, as long as it is compatible with that used by the payment system.

[11] Payment is made through the use of cash credit acquired through specific recharge for payments at POS terminals. The customer must be registered by the partner in the virtual payment system and, upon receiving the virtual billing title, will have until the due date to make the payment. This can be done by sending the product code to the payment system. The system resubmits the virtual title requesting payment confirmation. The customer, after confirming the product name and the corresponding value by the system, will receive a new confirmation. Upon confirmation, you will be asked to enter the password so that the amount will be debited from your deposit cell and transferred to the creditor by bank clearing. The customer can print the certificate of purchase or payment through our website, being necessary for this, your password and your CPF, and can also print through the specific refill points of sale. The Partner Company will also receive simultaneous confirmation of payment made by the customer. At the end of the day the partner will also receive a report stating the customer's name, social security number, product code and the amount paid. The cost of the service will be from the Partner and may or may not be passed on to the customer.

PAYMENT SERVICE FOR SPECIFIC PRODUCT

Lottery Games [12] The purpose of using this payment service for lottery games is to make it possible to pay for the purchase of lottery games without having to leave home, with total agility and security for lottery customers without having to queue. In order to be able to use the specific recharge payment service through cash credit, an interface should be created between the lottery financial system and the payment system. This interface will serve to occur the interaction of the two systems allowing to transmit data. It will also be used for discharge or payment for the purchase of the lottery product, the bank clearing system. The technology used for this interaction should enable the transmission and visualization of data, which may be technology (SMS), (MS), (WEB), (email) or any other technology compatible with the recharge payment system. specific to the purchase of credit at sight. The interface created should allow the choice of LOTERIA and the desired numbers to make the game, allow its confirmation, as well as authorize the payment for the acquisition of the game, debiting the existing credit in the deposit cell.

[13] The customer must first submit the desired lottery name to the lottery system access code. The customer will then receive an instructional message asking for the desired lottery numbers. After choosing and sending the numbers, the customer will receive a confirmation message of the numbering sequence with the name of the selected lottery. When the customer confirms, the personal password will be requested, authorizing the debit of the selected lottery value, plus the specific charge for the recharge payment service. At the end of the operation he will receive by message a protocol number that will be the authentication of your bet, and can print it through the website or print terminals if you wish.

[14] If the sequence of numbers or lottery type is wrong, simply do not confirm and restart the service request. When the customer enters the number of numbers or numbering incompatible with the service requested, an error information will automatically be generated. Bets will be personalized, linked to the customer's CPF name, providing more security. Lotteries will be held until the deadline set by Caixa Econômica.

[15] The Specific Recharge Payment system does not restrict its use to cellular mobile devices and is not related to credits purchased for cellular credit purposes, according to ANATEL rules. The specific recharge payment system credit will be linked to a CPF or CNPJ and not to a mobile device number, unlike other existing patents.

[16] The recharge payment system works similarly to the recharge payment for mobile telephony as regards the use of POS for credit but differs in the allocation and use of purchased credit. The specific recharge payment system was developed for payment of printed or virtual bills through the bank clearing system. Cash credit, acquired via POS, will be allocated virtually in a deposit cell managed by a financial system governed by Central Bank financial rules.

[17] Acquisition of demand credit does not provide for credit, debit card, check clearing, or direct deposit from a checking, savings or credit card credit to feed a common fund to be used in operations between product, customer, merchant, and financial interfaces. The specific recharge payment system is powered by the recharge performed through the POS for the purpose of paying bills or services related to bank clearing.

Claims (4)

1. - Cash credit recharge system, characterized by converting the money used into virtual currency by purchasing cash credit 05 using the specific recharge system. 2. A credit credit recharge system according to claim 1, characterized in that it processes receivables by the payment system in a virtual manner and forwards it to the destination bank for the purpose of clearing. Refund system for credit purchase according to claims 1 and 2, characterized in that it uses a specific interface between the financial system and the payment system, whereby bets 15 will be personalized, linked to the name and CPF. of the customer. Refund system for the acquisition of credit in accordance with claims 1 and 2, characterized in that it is powered by the recharge performed through the POS, for the purpose of payment of bills or services.