BR102017013520A2 - integrated messaging and financial and / or business operations with biometric authentication. - Google Patents

Abstract

integrated messaging system and performing financial and / or business operations with biometric authentication, belonging to the technical sector of information technology, the system object of the present patent combines the exchange of personal messages, professional and financial system with the integrated communication between individuals and by aggregating them into a unified data system that enables faster, more accurate and secure information in all aspects, whether personal or professional. It works with the registration of the mobile phone associated with an internal account existing within the system, which is enabled after storing data with recognition of the user's face, voice and fingerprints. The system establishes the mobile number as the account number and the face, voice and fingerprint as the holder, where users can make financial transactions with each other, using other bank accounts, credit and debit cards, among others synchronized. with your account within the system and can perform financial transactions with all systems with face, voice or digital recognition only.

Description

INTEGRATED MESSAGE SYSTEM

AND ACHIEVEMENT OF

FINANCIAL AND / OR COMMERCIAL OPERATIONS

WITH AUTHENTICATION

BIOMETRIC.

[01] Refers to the present invention patent for an integrated messaging system and for carrying out financial and / or commercial operations that uses biometric information from users to confirm and authenticate operations.

This system belonging to the technical sector of information technology is compatible with any other and can be used together.

[02]

There are currently some instant messaging systems that allow users to communicate with their contacts who also have the same system, however these systems do not have any integration with financial and / or commercial systems, thus not allowing users any monetary gains with their use. .

[03]

There are also some systems for financial and / or commercial operations that use biometric information from users to confirm such operations, such as bank ATMs that use fingerprints and credit or debit card operators that, for each purchase made by the holder of the card, requests that it send a photo of you through your own cell phone. It happens that these systems present the great inconvenience of the users that they must carry at least one card, in the case of the bank, and, in addition to the card, a cell phone, in the case of the credit or debit card. This inconvenience, in addition to allowing the action of miscreants by

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2/18 through theft or theft of cards and cell phones, at other times it can prevent confirmation of the purchase by credit or debit card in commercial establishments, as it may happen that the cell phone battery is discharged. Furthermore, the fact that the purchase and maintenance of these credit or debit cards has costs for users; the high fees charged by card operators to the business community for the acquisition and maintenance of exclusive models of some brands, as well as for commercial transactions, often making the business unfeasible.

[04] The patent object of the present system solves these problems, insofar as it has free membership and maintenance for its users; it allows monetary gains to the users of the messaging system without requiring any financial contribution from them; allows access to all websites, applications, channels, payments and receipts from all card operators from a single system; it does not require users to carry any objects to carry out financial and / or commercial operations and to confirm their data with greater security and speed, as will be demonstrated in the following descriptions and attached figures.

[05] The system object of this patent combines the exchange of personal, professional and financial messages with the integrated communication between individuals and companies, aggregating them in a unified data system that allows faster, more accurate and secure information in all aspects, whether personal or professional.

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It works with the registration of the cell phone associated with an existing internal account within the system, which is enabled after data storage with recognition of the user's face, voice and fingerprints, as shown in FIGURE 1. The system establishes the cell phone number as the account and face, voice and fingerprints as holders of the same, where users can effect financial transactions with each other, being able to use accounts of other banks, credit and debit cards, among others synchronized with their account within the system, being able to carry out transactions with all systems with only face, voice or digital recognition. Accounts normally operate with cash transactions, payments, transfers, etc., validating the relevant transactions. Once the user's face and / or voice and / or fingerprints are identified, the system requires only one click to confirm the reported values or any other information to be confirmed by the user in question, this time, the system dispenses passwords and everything simplifies recognizing the face and / or voice and / or fingerprints of the account holder with a confirmation click and / or through the QR CODE.

[06] The system works on any platform, computer, cell phone, tablet, ATM, etc. Some examples illustrated in FIGURE 2.

[07] The configurations between people and companies are different, therefore, in the installation or registration (FIGURE

3), the system already identifies the user for these adjustments, individual users do not offer personal data, since their identification is made by

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4/18 face and / or voice and / or digital recognition, when enabling your account in the system. Companies are required to obtain a CNPJ, which may assign several independent cell phone numbers associated with it. For the use of the business name, among others, the user who does not activate his account, has no option to raise monetary gains, but can use the system normally.

[08] The system has a functionality called Business Page (FIGURE 4) that is unique for people, companies and groups, where it hosts from websites, channels to professional applications and has pages prepared for configuration according to the use of each user.

business page serves as a commercial disseminator, strengthening ties between people and companies, also used to synchronize data between application systems with other systems, since they will be on the same platform. At the top there is the option to follow, which brings together users with links, who can follow through some operation carried out between users or by accessing the validation panel (PV) located at the end of the Business Page that has the option to follow. The system limits the size of the Business Page precisely because the validation panel is located at the end of the page. Inserting advertisers at the top of the page is at the discretion of each user, since in the configuration of the Business Page one chooses to insert the advertiser, being able to choose it or leave it automatically by the system, or not to insert an advertiser.

[09] The configuration of the individuals page (FIGURE 5) has access to the Business, Chats,

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Profile and Secrets, which differs from those of Companies and Groups, however, the communication between them is neither altered nor influenced.

[10] The Business Page can be hidden only by the individual user, where it is in miniature instead of the word business (FIGURE 6), but at any time it can be activated by clicking on the thumbnail and making its settings; the user has the option to alternate the position of the secret and profile pages by simply holding and pressing one of the secret / profile names, taking one to the place of the other.

[11] Companies and groups access Business, Chats and Insider (FIGURE 7).

[12] At the bottom of every Business Page, there is the (PV) panel of validations for clicks, promotions and others (FIGURE 8), which is used as an internal information channel, being able to generate user information as promotions coupons , payment validation, etc. The panel has two variations, the first one shows what will be validated and the second one is the confirmation of the operation, also changing the color of the panel from the first to the second for better discernment to the user. The panel can generate any information that is needed by the user. The options to follow and follow on the Business Page (FIGURE 8), occur automatically in any validation of clicks, whether paid, promotions, among others. In the PV (validation panel), when validating any operation, the user becomes a follower of the user where the click was validated. Another way to be a follower is to access the

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6/18 PV panel of the page on which you want to be a follower and click on the PV that originally came on the page, if the user of the Business Page, is not offering any promotion, value gains, etc.

[13] Individuals can configure their Business Page with websites, personal channels, or even with other informal services, as it serves precisely for commercial disclosure to all users (FIGURE 9). Chat is traditional where you add your common contacts; the secrets page is exclusive for confidential access; the profile page is where you add your favorite photos for publication and viewing by other users.

[14] The user can assign his Business Page to an advertiser of his choice or automatically choose the system (settings), which will be subsidized by this procedure, and remain with other features normally (FIGURE 10).

[15] Secrets is the exclusive channel for individuals, with the same features as the chat channel and so on. A 4-digit password is required to access it (FIGURE 11). The user will define who to add to this channel, which offers options for creating a contact list, groups, etc. (FIGURE 11). The system does not report a password error when typing it wrong, but that there are no secret conversations (FIGURE 11). In case of forgetting the password, the user generates a new password, however the previous data will be deleted, opening a new channel.

[16] Accessing a person's page, where on

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7/18 on the left, your store is displayed indicating that it has advertisers for bonuses (FIGURE 12) and the advertiser right at the top right of the page, where the visiting user clicks on the logo enters the same page to make their earnings effective. In Chat, a message delivered and read is shown (FIGURE 12). On the left side, the user's profile is verified in his last 4 updates, number of views and date of posts (FIGURE 12).

[17] When clicking on the user's name on his profile page, the page of the people, companies or groups that he is following opens, with emphasis on the separation of people and companies that are represented with their logos below the part of people (FIGURE 13).

[18] If the user is a follower, his photo appears as the first photo of the followers. The visiting user can perceive marked users and the number of these marked users (in the example in FIGURE 13 there are eight branded users) that indicate that they know him or have some link within the system, and in person photos they can only enlarge them, if they are not belonging to your contact list, otherwise you can click and access their respective pages, when the followed ones are companies, the visiting user can click and access them being directed to your Business Pages.

[19] The company sets up its Business Page in several ways, with websites, applications, etc. These can interact their functionalities with the functionalities of the system. In the chat, companies can use it in a very professional way by placing the name of each

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8/18 employee and his role. This chat is for the use of employees only, who can also have access to all other insider pages (circular, files, video conference) and auxiliary page where they receive messages from third parties (FIGURE 14).

[20] Groups and companies have the same configurations (FIGURE 15).

[21] The groups access, create and add other groups on their respective auxiliary chat pages and make all communications between them through the same (FIGURE 16).

[22] The system allows chat between groups (FIGURE 17). Only administrators can chat with each other via chat on the auxiliary page or video conference via the insider page, but all users of the groups' contact lists can view the chat and video conference conversations on the insider between administrators. They determine the number of administrators for these accesses, however the administrators can be reversed (FIGURE 17).

[23] Accessing a company page, visiting users have access to their followers page channel by clicking on the company name at the top of the screen (FIGURE 18), where they will have access to company data such as phone, location, numbers of followers (in the example of FIGURE 18 there are 55,954 followers).

[24] In addition to tagging the photos of the followers of people who have some link with a visiting user, they are also informed of the number of them (in the example in FIGURE 18 there are 10). In groups, the procedures

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9/18 are the same.

[25] The main chat page for all users is used to exchange messages between users within their respective contact lists (FIGURE 19). The auxiliary page works for receiving messages from everyone else who is not on this list. As soon as you receive new messages, the word new appears on the main page and, when you click on it, you access the auxiliary page (FIGURE 19).

[26] Changing screens can be done by clicking on the top of each one or by sliding left and right. The user perceives the pages with the indicator points of which page he is or wants to access (FIGURE 20).

[27] When accessing the validation panel, the user is already informed about the reference of his click, where the advertiser already indicates the amount to be received by the user and when clicking, the gain per click is confirmed (FIGURE 21). Similarly for other validations, be it promotions, etc.

[28] Every click is counted on the same sponsor for a time determined by the same. If the user accesses another user with the same sponsor, their click will remain indicated until the time stipulated by the advertiser (FIGURE 21).

[29] Flash is the message sent with the option to be deleted at any time, regardless of whether at the same time, or any other date. Whatever the time, it can be deleted by any of the users, both by the sender and the recipient, they can be answered on the same screen after a

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10/18 conversation, this option is used only in People Chat (FIGURE 22). Schedule is the message that chooses the date and time to send it (FIGURE 22).

[30] Photos, videos and files to be sent within the chat, carried out within the system, come with an indication bar attached to them, which, when clicked, shows the date and time they were taken and how many views they have already had (FIGURE 23 ).

[31] Advertisers are accessed at the tops of Business Pages by users who offer values for each click made or offer other types of promotions that require visiting this panel (FIGURE 24).

[32] The user or visitors, when clicking on the advertiser's logo, are directed to the advertiser's page, where they access the validation panel for confirmations (FIGURE 24).

[33] Advertisers remain on the pages until the end of the credits for the same offered in the ad. When necessary, the system rotates, always offering earnings options to users, making them aware that if there is an advertiser at the top of the page, there are options in the validation panel (FIGURE 24).

[34] The validation panel also works automatically in sync with sales where, for example, the seller user can stipulate coupons for a certain amount of purchases by automatically generating coupons, also in the same way, the user also becomes a follower of the seller in question, within the system (FIGURE 25).

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[35] A FIGURE 26 shows the Chat page and the page Insider's system. At Page Chat has the contacts internal a company or group , with the name and function of themselves. At Page Insider has the function

Circular that are the important notices that cover the entire group, dispensing with sending individually. It also has files that are folders for different use, documents, photos and with access to contacts in the main list or configuration options. On that same page Insider also has a Video Conference with access to the contacts on the list and at the bottom of the page shows the icons of the users who are watching, indicates who they are and how many users are watching.

[36] The Business Top shown in FIGURE 27 are the advertisers who display their logos statically at the top of the Pages

Business of network users, which will be available to users' views and clicks, that in this procedure, clicking on the logo, it is directed to the business page of the clicked advertiser, where, the user to complete their monetary gains or any other validation as promotions and others, go to the bottom of the page in the (PV) validations panel and confirm by clicking on the panel, which will confirm the validation.

[37] Business Top (FIGURE 28), can define their ads on the entire network and make choices of places of disclosure, by regions, from venues, neighborhoods, cities to states. Advertisers using

Vouches can make their disclosures the same way,

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12/18 with the exception of states.

[38] Vouchers are mini pamphlets with the advertiser's name, already visible click value and expiration date, used for more specific ads within the same city, covering neighborhoods, specific locations or passersby. Upon receiving the voucher, users are directed to the voucher issuer's chat, where the user has to access the business page in question and validate the validation panel (FIGURE 29).

[39] The system offers only in the configuration of companies the virtual assistant, in whom they make the settings that are convenient for them to converse with visiting users (FIGURE 30).

[40] Business Free is a mini pamphlet with the sender's name and the word business for disclosure only to your contact list. The recipient can share this message with other users on their list. By clicking on the mini pamphlet, the user is directed to the chat page of the business free sender, where they can visit the referred business page (FIGURE 31).

[41] The user can use searches within the system of personalities, companies, products, services, etc., by accessing the business page menu in the search option on the application's network (FIGURE 32).

[42] In the menu of the business page, the user has options for searching within the network or using search providers in Internet searches. The system offers bonus searches, in which search engines offer

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13/18 values for each survey conducted at your provider, giving the user the optional use of which to use for their survey (FIGURE 33).

[43] The system can be used on any other advertising platform, just being a user of the network, whether on a computer or cell phone. FIGURE 34 represents some examples of advertisements in the tabs of websites that can add the application icon and encourage the user to open the advertisement. On the cell phone, just click and it is automatically recognized and the values in your application account are effective. On the computer, click on the icon and then enter the cell phone number.

[44] For example, channels that most 30-second ads are skipped over, leaving the advertiser without their primary goal of actually advertising in full, when the SKIP ANNOUNCEMENT notice appears, the app icon also appears, in which the user you have the option to watch until the end and earn the amount for the advertiser (FIGURE 34).

[45] In the clicks made on the NGOs' pages, the gains are reverted entirely to them, both by the clicking users and the system (FIGURE 35).

[46] After users, companies and groups create their business pages, the system indicates activation of the account in the system through the identifications of the face, voice and fingerprints, in this way so that they can obtain the receipts and or payments made within of the system (FIGURE 36).

[47] Payments can also be made by

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QR code on the account home page. For this payment, the user just needs to access his account and pair his device with another device on which to perform the operation, the QR code changes its codes with each operation.

[48] In the registration of face, voice and fingerprints, click on the respective icons indicated, first the face recognition and then the voice recognition, ending with the fingerprints. After this procedure, the account is enabled and able to perform all the procedures and benefits offered to the user, such as receipt of amounts, payments, transfers and much more (FIGURE 37).

[49] Payments can also be made using the QR code on the account's homepage. For this payment, the user just needs to access his account and pair his device with another device on which to perform the operation, the QR code changes its codes with each operation.

[50] Access to the account is done in the menu of the business page for all users in the option my account (FIGURE 38).

[51] The Application allows interactivity between systems on other platforms (FIGURE 39) with internal access to user data for carrying out operations authorized by the user, such as bank accounts, credit cards, telephony, tolls, parking lots, in short, all who register in the application, can synchronize between the systems, where the application will serve as authenticator of all operations.

[52] The system is quite flexible for obtaining

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15/18 account balances

App .

With the exception of financial transactions, credits can be obtained from a cell phone recharge, where the user chooses the name of the

Application, as if it were from the operator and inserts the area code and cell phone number (FIGURE 40).

[53]

Credit cards and bank accounts owned by the user are registered (FIGURE 41), thus being able to use them within the system with all their functions of payments and receipts and the Application makes the identification by face or voice in interactivity with the themselves.

[54] The settings for receipts and payments are the same for both companies and individuals, allowing both to make any receipts and payments to third parties (FIGURE 42).

[55] The existing confirmations in the Application account are the option related to purchases made without the physical presence of the credit card holders registered by the user in their account. After completing the purchase procedure, the supplier establishes only the user's cell phone number, where the system asks for confirmation in the account by the cardholder. Upon confirmation, the purchase is completed (FIGURE 43).

[56] For sale with Credit Cards without the physical presence of the holders, the seller establishes the purchase procedure and enters the cell phone number of the buyer (payer), the system pre-approves the operation indicating that the card has balances for the payment and places it as pending. Then the system asks for confirmation of the direct payment in the account of the

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User application, where he accesses his account, goes to the confirmation option and checks the purchase, values, supplier establishment, flag and has the option to click on Confirm or Cancel the payment, finalizing the operation (FIGURE 44).

[57] In purchases with a credit card with the physical presence of the user, the system requires only one of the identifications, face, voice or fingerprints registered in the system. Without the need for a card, all credit card procedures are used in virtual ways (FIGURE 45).

[58] Sales and / or purchases made are very simple procedures performed directly in the application, where the amounts are debited from the buyer's user account and credited immediately to the seller's account. When there are no bank accounts registered, the debit is made to the user's account in the Application (FIGURE 46).

[59] Debit sales, where the amounts depend on balances in the informed accounts and / or in the Application account, when bank accounts are registered, the system informs the seller of the options to be chosen by the user (FIGURE 47).

[60] For payments within the system, the user will only click on the confirm option, regardless of how many operations are carried out, since it has already been identified when accessing the account (FIGURE 48).

[61] All payment and receipt procedures are transferred immediately, debiting from the payer's account and crediting to the recipient's account,

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17/18 whether it is slips, invoices, any transaction is instantly terminated, whether for those who pay or for those who receive the system, it ends the transaction in a synchronized manner, including with immediate information also for the credit protection systems (FIGURE 49).

[62] The user has all the information about his monetary earnings receipts, on his account statement within the system on a daily basis or associated dates by period, he has all the notes issued in his purchases in the notes within the statement option, which shows all banknotes issued, since purchases are banknotes issued electronically and stored in this option with access to their views and impressions. The user has the option to donate these notes to entities registered in the system (FIGURE 50).

[63] Payments in tolls in one of the face-to-face forms normally occur as all system operations, the user makes identification and confirms (FIGURE 51).

[64] Payments can be made with the option of using the QR code, where the user accesses his account and pairs the cell phone with the concessionaire's device (FIGURE 52).

[65] Tolls can be paid directly into the application account, where the user chooses the toll option and identifies the cities, inserts the license plate number of the vehicle that can automatically pass through the toll without stopping, since the system can identify the payment the indicated plate (FIGURE 53).

[66] Transfers within the Application can

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18/18 also be carried out only in the information of cell phone numbers. The user can choose to receive information on messages of amounts deposited or withdrawn in his account (FIGURE 54).

[67] Payments, receipts and all benefits offered by the system, can be used in all establishments, companies and by all individuals registered in the integrated system, without restrictions on use (as illustrated in FIGURE 55 as an example not limitative), being able to use the account opened in the system by the user, credit cards of all brands and / or bank accounts for debit.

Once the system is integrated and it is enough to have a cell phone number to make any transactions, the buyer (paying) user does not need to carry any physical device, since the integrated system of the terminals where the operation will be performed only needs to recognize their registered biometric information. (face, voice or fingerprints) to access your data and complete any operation.

Claims (28)

1) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by free membership and maintenance for its users; allow monetary gains to users of the messaging system without requiring any financial contribution from them; allow access to all websites, applications, channels, payments and receipts from all card operators and merchants from a single system; exempt users from carrying any objects to confirm their data and carry out financial and / or commercial operations with greater security and agility; hinder the action taken by theft and / or theft of cards and / or cell phone devices. 2) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by uniting the exchange of personal, professional and financial messages with the integrated communication between individuals and companies, aggregating them in a single integrated system. 3) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by establishing the cell phone number as the internal account in the system, enabled after registration, through the respective icons indicated in the system, of the information user's biometrics, which are: face, voice and fingerprints that are established as account holders. Petition 870170043012, of 06/22/2017, p. 23/92 12/2 4) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by allowing companies to assign several independent cell phone numbers associated with the same account, removing the option to raise monetary resources to the user who does not activate their account, but being able to use the other system options. 5) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by allowing users of the system to carry out financial transactions with each other, being able to use accounts from other banks, credit and / or debit cards, among others , synchronized with your account within the system, making financial transactions with all systems with only face, voice or fingerprint recognition. 6) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by different configurations between individuals and legal entities in the installation or registration of the system for the necessary adjustments. 7) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by having a functionality called “Business Page that is unique for people, companies and groups, where sites, channels and professional applications are hosted, pages prepared for configuration according to the use of each user, advertisers offering values for each click Petition 870170043012, of 06/22/2017, p. 24/92 3/12 made or offer other types of promotions that require a visit to this panel, and it is also used to synchronize data between the application's systems with other systems, since they will be on the same platform. 8) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the individual being able to configure his "Business Page" with websites, personal channels, or even with other informal services. 9) INTEGRATED MESSAGE SYSTEM AND CONDUCT OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the user being able to assign his Business Page ”to an advertiser of his choice or automatic choice of the system (settings), being subsidized by this procedure and remaining with other features normally. 10) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the advertisers staying on the pages until the end of the credits offered by them in the advertisement and, when necessary, the system always relay offering options to the users , making them aware that if there is an advertiser at the top of the page, there are options in the validations panel. 11) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the configuration of the individuals page having access to the Business, Chat, Profile and Secrets pages different from those Petition 870170043012, of 06/22/2017, p. 25/92 4/12 pages of Companies and Groups, without, however, changing or influencing the communication between them. 12) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by Pela Página Business having a validation panel for clicks, promotions and others, which is used as an internal information channel, being able to generate information from the promotions coupons, payment validation, etc., also running automatically in sync with sales. 13) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the validation panel having two variations, the first showing what will be validated and the second confirming the operation of the panel, also changing the color of the panel from the first to the second variation, to better discern the user. 14) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the Business Page can be hidden only by the individual user, allowing its activation at any time, including taking turns with the Secrets and Profile pages. 15) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the Secrets Page being exclusive for confidential access of chosen users, requiring a password to access it and the Profile Page where Petition 870170043012, of 06/22/2017, p. 26/92 5/12 user's favorite photos are added for publication and viewing by other users. 16) INTEGRATED MESSAGE SYSTEM AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the user becoming a follower of the other user where the click was made on the Validation Panel. 17) INTEGRATED MESSAGE SYSTEM AND CONDUCT OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the visiting user being able to perceive marked users, their number and access their pages, if they belong to their contact list. 18) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the companies being able to use the chat in a professional manner, putting the name of each employee and their function. 19) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the groups accessing, creating and adding other groups on their respective auxiliary chat pages, making all communications through them. 20) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by allowing chat and video conferencing between groups only for their administrators, and other users of the groups' contact lists can only view these communications. 21) INTEGRATED MESSAGE SYSTEM AND ACHIEVEMENT OF Petition 870170043012, of 06/22/2017, p. 27/92 6/12 FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the auxiliary chat page working to receive messages from all users who are not in the contact list. 22) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the chat of people having Flash features ”which is the message sent with the option to be deleted at any time, both by the sender and the recipient, can be answered on the same screen after a conversation has started and Schedule ”which is the message that chooses the date and time to send it. 23) INTEGRATED SYSTEM MESSAGES AND ACHIEVEMENT OF FINANCIAL OPERATIONS AND / OR COMMERCIALS WITH AUTHENTICATION BIOMETRIC, characterized by the “Page Insider "having the Circular function" which are the important notices that cover the entire group, dispensing with sending individually; files that are folders for different use, documents, photos and with access to contacts in the main list or configuration options; Video Conference with access to the list contacts and icons of the users who are watching, indicating who and how many there are. 24) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the user being informed about the reference of his click, when accessing the validations panel, where the advertiser already indicates the value to be received by the user and the click is confirmed the gain. Petition 870170043012, of 06/22/2017, p. 28/92 7/12 25) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by every click being computed on the same sponsor for a period determined by the same and, if the user accesses another user with the same sponsor, his click will remain indicated until the time stipulated by the advertiser. 26) INTEGRATED MESSAGE SYSTEM AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by an indication bar attached to photos, videos and files to be sent within the chat, which, when clicked, shows the date and time when they were made and how many views they have already had. 27) INTEGRATED MESSAGE SYSTEM AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH AUTHENTICATION BIOMETRIC, characterized by the Business Top function, which are the advertisers who display their logos in a static way at the top of the Pages Network users 'business, being available to users' clicks, directing them to the Page Business of the clicked advertiser, where, the user to complete his monetary gains or any other validation such as promotions and others, goes to the end of the page in the Validations Panel and confirms with click. 28) INTEGRATED SYSTEM IN MESSAGES AND ACHIEVEMENT OF FINANCIAL OPERATIONS AND / OR COMMERCIALS WITH AUTHENTICATION BIOMETRIC, characterized by “Business Top to be able to define your ads on the entire network and make choices of advertising locations, by regions, from venues, neighborhoods, cities to states. Petition 870170043012, of 06/22/2017, p. 29/92 12/12 29) INTEGRATED MESSAGE SYSTEM AND ACHIEVEMENT OF OPERATIONS FINANCIAL AND / OR COMMERCIAL SERVICES WITH AUTHENTICATION BIOMETRIC, characterized by advertisers using Vouches to make their disclosures in the same way, with the exception of states. 30) INTEGRATED MESSAGE SYSTEM AND ACHIEVEMENT OF OPERATIONS FINANCIAL AND / OR COMMERCIAL SERVICES WITH AUTHENTICATION BIOMETRIC, characterized by the fact that, upon receiving the voucher, users be directed to chat by the issuer of the voucher, where the user to validate it, has to access the “Business Page” in question and access the Validations Panel. 31) INTEGRATED MESSAGE SYSTEM AND ACHIEVEMENT OF OPERATIONS FINANCIAL AND / OR COMMERCIAL SERVICES WITH AUTHENTICATION BIOMETRIC, characterized by the Business Free function "which is a mini pamphlet with the sender's name and the word business" for disclosure only to the list of your contacts, the recipient can share this message to other users on your respective list. 32) INTEGRATED MESSAGE SYSTEM AND ACHIEVEMENT OF OPERATIONS FINANCIAL AND / OR COMMERCIAL SERVICES WITH AUTHENTICATION BIOMETRIC, characterized by clicking on Business Free ”, the user is directed to the chat page of the sender of it, being able to visit its Page Business ” 33) INTEGRATED MESSAGE SYSTEM AND ACHIEVEMENT OF OPERATIONS FINANCIAL AND / OR COMMERCIAL SERVICES WITH AUTHENTICATION BIOMETRIC, characterized by the user being able to use searches for personalities, companies, products, services, etc., accessing the Business Page menu ”in the option Petition 870170043012, of 06/22/2017, p. 30/92 9/12 search the system network. 34) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the system offering subsidized surveys, in which search engines offer values for each survey carried out at their provider, giving the user the optional use of which to use for your research. 35) INTEGRATED MESSAGE SYSTEM AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the appearance of the “SKIP ANNOUNCEMENT” warning, also showing the application icon, in which the user has the option to watch until the end and earn the value for the stipulated advertiser. 36) INTEGRATED SYSTEM OF MESSAGES AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by fully reverting to NGOs the gains with the clicks made on their pages, both on the part of the clicking users and the system. 37) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the system indicating account activation through face, voice and fingerprint identification, after users, companies and groups create their Business Pages ” so that they can obtain the receipts and / or payments made within the system. 38) INTEGRATED MESSAGE SYSTEM AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH AUTHENTICATION Petition 870170043012, of 06/22/2017, p. 31/92 12/10 BIOMETRIC, characterized by the fact that payments can also be made using the existing QR code on the account's homepage, and the QR code changes its codes at each transaction. 39) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by allowing interactivity between systems on other platforms with internal access to user data to carry out operations authorized by the same, such as bank accounts, cards credit, telephony, tolls, parking, in short, everyone who registers in the application, can synchronize between the systems, where the application will serve as authenticator of all operations. 40) INTEGRATED SYSTEM OF MESSAGES AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the configurations of receipts and payments being the same for both companies and individuals, allowing both to make any receipts and payments to third parties. 41) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the confirmations existing in the system account being the option related to purchases made without the physical presence of the credit and / or debit card holders registered by the account, where, after the purchase procedure, the supplier establishes only the user's mobile number for the system to request Petition 870170043012, of 06/22/2017, p. 32/92 11/12 confirmation in the account by the cardholder in order to complete the purchase or cancel the transaction. 42) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the system requiring one or more identifications (face, voice or fingerprints) registered, in purchases with credit and / or debit card with the presence physical user, not requiring the physical card. 43) INTEGRATED MESSAGE SYSTEM AND FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by informing the seller of the options to be chosen by the user for payment, namely: debit in the internal account of the system, debit in bank current account or credit card, where the amounts are debited from the buyer's user account and credited immediately to the seller's account. 44) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the user clicking only on the option to confirm payments within the system, regardless of how many operations are carried out, since it has already been identified in the account access. 45) INTEGRATED SYSTEM OF MESSAGES AND PERFORMANCE OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by all payment and receipt procedures being transferred instantly debiting from the payer's account and crediting to the recipient's account, including immediate information for the systems protectors Petition 870170043012, of 06/22/2017, p. 33/92 12/12 credit, ending the operation synchronously. 46) INTEGRATED MESSAGE SYSTEM AND CONDUCT OF FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the user having all the information of his monetary earnings receipts in the account statement within the system on a daily basis or associated dates for a period, having all invoices issued in their purchases with the user's option to donate these invoices to entities registered in the system. 47) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the option to pay tolls directly on the application account, where the user chooses the toll option, identifies the cities and inserts the license plate number vehicle that will automatically be able to pass through the toll without stopping, since the integrated system identifies the payment by the informed plate. 48) INTEGRATED MESSAGE SYSTEM AND CARRYING OUT FINANCIAL AND / OR COMMERCIAL OPERATIONS WITH BIOMETRIC AUTHENTICATION, characterized by the user's option to receive message information of the amounts deposited or withdrawn in his account.