FR3065308A1 - SYSTEM AND METHOD FOR ELECTRONIC PAYMENT OPTIMIZED - Google Patents

Abstract

An electronic payment system comprises - a plurality of user devices (2, 4), - a plurality of partner devices (3, 5), - at least one connected data management device (6). the user devices (2, 4) and the partner devices (3, 5) are able to implement electronic payments from users to partners, wherein said data management device (6) is configured for requesting payment information and user payment authorizations, characterized in that said one data management device (6) comprises at least one optimization module (6h) configured to anticipate a plurality of payments so that said data management device (6) requires payment information and payment authorization for said plurality of payments. The invention further relates to a method and an associated program.

Description

Optimized electronic payment system and method

The present invention relates to an electronic payment system using computer means. The invention further relates to a method and an associated program product.

The invention finds a particular, non-limiting application in electronic payments associated with the use of electronic shopping vouchers,

The payment is preferably an in-app payment allowing in particular to use the electronic payment offered by the system. Payment can also be another type of payment, in which case the corresponding information is entered in the application, instead of electronic payment.

In the field of electronic payments, known systems propose a central device storing data and associated with peripheral devices making it possible to receive or send electronic payments. Other systems provide a central platform for exchanging data, in particular payments, between a partner device and a user device. One reward can be attributed to the user, in particular an electronic purchase boa.

Unfortunately, these systems are not satisfactory since electronic payments are generally made via a payment service provider device which generates data transmission with each electronic payment. The volume transmitted represents an even more significant number when there are electronic payments.

The invention aims to propose a management system in which the data transfers via the payment service provider are significantly reduced for the same number of electronic payments.

To do this, the invention relates to a data management system comprising

- a plurality of user devices,

- a plurality of partner systems,

- at least one data management device connected to user devices and partner devices so as to be able to implement electronic payments from users to partners, in which said data management device is configured to require payment information and user payment authorizations, characterized in that said data management device comprises at least one optimization module configured to anticipate a plurality of payments so that said data management device requires information and a payment authorization for said plurality of payments.

Advantageously, the optimization module makes it possible to have fewer data transfers to the payment service provider device by anticipating future electronic payments.

According to other aspects taken in isolation or combined according to all the technically feasible combinations ï - 1 Optimization is made according to determined parameters (2), to the device on the user, to and / or to the position linked to the device of partner user (3), to information on the geographic partner of said devices (2,3)> and / or the parameters are determined as a function of system usage data and / or averages; and / or - the parameters include at least one of the following: average basket t average number of payments over the last days "for example the last six days" time and day of payment, the extent of the recarapease in particular the% of voucher purchase, from partner i external events;

the age, gender of the user, the socio-professional category of the user, the percentage of battery of the user device, the brand of the user device; external news or events close to the partner; the city in which he usually uses the application; the city in which the user lives, the city of the partner.

The invention further relates to a data management method in particular by means of a system according to the invention, the method comprising the following steps:

- transmit data, in particular electronic payment, from users to partners,

- request payment information and payment authorization for a plurality of payments.

According to a variant, the payment method further comprises a step of optimizing electronic payment by anticipating said plurality of electronic payments as a function of determined parameters linked to the user device, to the partner device, to information on the user, partner information and / or the geographic position of these devices.

Another object of the invention relates to a computer program product loadable in at least one control unit and comprising parts of software code for executing the steps of the method according to the invention when it is implemented by said control unit .

The invention will be further detailed by the description of nonlimiting embodiments, and in the collection of the appended figures, in which:

- Figure 1 is a schematic view of the system according to a preferred embodiment of the invention;

- Figure 2 is a schematic view of a data management device of the system of Figure 1;

- Figure 3 is a diagram illustrating a preferred payment system: can be used with the management system of Figure 1 t and

FIG. 4 is a schematic view illustrating in more detail the management system of FIG. 1,

Re-use of the reward ha present invention relates to a data management system 1 using computer means.

The invention finds a particular, non-limiting application in payments, in particular electronic payments, and the use of electronic shopping vouchers.

Payment is preferably an application payment ("in-app") allowing in particular to use the electronic payment offered by the system. Payment can also be another type of payment, in which case the corresponding information is entered in the application, instead of electronic payment, Other payment methods are for example by payment card, cash, checks, title payment, restaurant voucher, wire payment, bank transfer, money transfer, or any other type of payment.

The invention finds a particular application, no. restrictive, in payments and the use of electronic vouchers.

The invention could to a certain extent also be applied to the management of non-monetary data, such as electronic elements exchanged or allocated, for obtaining an electronic reward, without there necessarily being any counterpart in terms of product or service.

The reward obtained is concrete and its magnitude can be checked, and it can be used, by computer means, the system 1 comprises a plurality of user devices 2 (2a, 2b, ..., 2z), 4 (4a , 4b, ..., 4z), and a plurality of partner devices 3 (3a, 3b ,, .. »3z), 5 (5a, 5b, ..., 5z). These devices 2 to 5 include in particular mobile devices 2, 3 such as telephones, tablets, or other so-called connected device such as connected watches. It is also possible to envisage that these devices 2, 3, include computers 3a '.

The user devices 2 and the partner devices 3 are of the type connectable to a mobile data network and / or to the Internet. In addition, these devices 2, 3 are preferably configured so that a mobile application allowing data transfers can be loaded there.

Thus, in a preferred interpretation of the invention, the user devices 2 and the partner devices 3 are understood on the one hand as the hardware part of the mobile devices implementing a data transfer application. Advantageously, this makes it possible to use a commercial mobile device in the system according to the invention, so as not to have to produce an entire mobile device dedicated solely to said system.

In a particular application of the system according to the invention, the user devices 2 "4 can be used to send payment data to the devices of partners 3, 4, by means of a dedicated mobile application 6 a" without having need to have another payment method. In this case, we will speak of in-app payment ”

The management system according to the invention also comprises at least one data management device 6 connected to the user devices 2, 4 and to the partner devices 3 "5 so as to be able to carry out data exchanges with them. this. In particular, the data management device 6 includes a server through which the data passes.

More particularly, the management system 1 comprises a mobile application 6a loaded into the user devices 2 and the partner devices 3, and the data management device 6 comprising a server is associated with said application 6a,

In the particular application of the system, the payment data pass through the data management device S before arriving at the partner device 3. A payment provider device 7 associated with a bank account 8 of the user can be further provided * for example as explained below with reference to Figure 3.

In addition, the data to be exchanged is stored and associated with the electronic accounts of users 4 and of partners 5. The application 6a makes it possible in particular to view the quantity of data and the state of these accounts. Thus, in a preferred interpretation of the invention, the user devices 2, 4 and the partner devices 3, 5 are understood on the other hand as at least the hardware part A, 5 of the user and partner accounts associated with the stored data.

In the particular application of the system, the data of the user account 4 may comprise at least one identification of a bank account and / or of bank card or other means of payment. Preferably, the user account 4 is associated with an interface allowing at least to send payments. The data of the partner account 5 can include at least one identification of a bank cooperative. Preferably, the partner account 5 is associated with an interface making it possible to receive and accept or refuse payments,

The management system 1 according to the invention further comprises at least one complementary data source 9 associated with at least one collection of data 10, 11 and / or the user devices (31 and / or the partner devices ( 5).

In particular, the management system according to the invention comprises at least one data collection 10, 11, preferably several data collections 10, 11. At least one of said data collections 11 is associated with nxus source of complementarity data. The term “data collection” can be understood to mean a database, a monetary account or a computer device comprising a memory in which complementary data can be stored. Complementarity data is data which can be added to the data coming from the user to supplement it so as to achieve a determined goal in terms of quantity of data.

In the preferred application, the data collection 10, 11 is, in particular, an electronic pool in which are accumulated complementarity data which are in particular an electronic reward, more particularly electronic vouchers. the source 9 is in particular the hardware and computer part of a bank account preferably associated with a module of the data management device 6 for supplying the accounts associated with said devices 4, 5 or data collection 10 11 in particular d 'in more detail below.

Preferably, the source 9 is configured to compensate for data faults in said data collection, in particular of each partner data collection 11. In a variant, it can be provided that the partner account 5 comprises a monetary account and the source 9 is connected to it, for example to make a transfer or money transfer.

Thus, the management system comprises a compensation system for each electronic pool 11. The compensation system comprises at least one Basque device 9 associated with said electronic pool 11. The bank device 9 is connected to the management device so that the management device 6 can give compensation instructions to the bank device 9.

Preferably, each user device 2, 4 and partner device 3, 5 is associated with a collection of corresponding complementary data 10 and 11 (11a, 11b, ...). This arrangement makes it possible to separate the data to be exchanged, in particular the payment data, from the complementarity data generated by the system 1, in particular data from electronic purchase vouchers. A collection of common complementary data 11 can be envisaged, but specific data collections make it possible to separate data from each user or partner.

In the particular application, the user 4 and partner 5 accounts are associated with respective bank accounts, and the electronic pools 10, 11 include only generated vouchers.

In the system according to the invention, each user device 2, 4 is configured to transmit a first quantity of data M to a first partner device 3, 5 and the system generates in response first corresponding complementary data H-X. the complementarity data is preferably stored in one or said data collection, more particularly in each of said data collections 10, 11. The partner thus receives a quantity of MX data and it is considered that it has generated X usable complementarity data by the user at the next data transfer with another partner.

Thus, the system is in particular configured so that when said user device transmits a second quantity NX of data to a second partner device 3, 5, said quantity of HX data is supplemented either by said first corresponding complementarity data X if available and selected by the user, either by corresponding first complementary data X generated or filled in by the source 9. Advantageously, the user needs less data to reach a goal N with the second partner and obtain other data of complementarity, in electronics.

particular another reward

More specifically, all data transfers generate corresponding complementarity data "

Advantageously, the configuration of the system 1 and in particular the data management device 6 implement "no obtaining an electronic reward making it possible to stimulate exchanges to improve the attractiveness of the system.

In addition, in a particular application of the system, it makes it possible to implement electronic means of payment making it possible to securely transmit payment data so as to implement a payment, as well as the use of vouchers electronic for a concrete but dematerialized use by means of a dedicated mobile application 6a.

In the particular application of the system, the sending of payment data via the user device 2 to the partner device 3 triggers the generation of an electronic voucher corresponding in particular to a part of the payment. , for example 10%. The share is preferably configurable by means of the partner device. In particular, the management device 6 generates the electronic voucher and stores it in said at least one electronic kitty, preferably in the user kitty 10 and in the partner kitty 11. During an expensive payment a another partner, the good one. purchase can be used so a lower payment will be required.

Source 9 allows rapid use of electronic rewards without waiting for users to have accumulated sufficient complementarity data. The enthusiasm resulting from this use greatly improves the exchange of data.

In a particular variant, the quantities of data and the quantities of complementary data are of the same nature. In particular, the purchase boas and the payments are money that can therefore be offset.

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In order to regulate the system and avoid excessive loss of data from the source 9, certain configurations can be provided. To do this, according to a variant, the data management device 6 includes an obligation module 6b configured to impose the use of at least part of the available complementarity data.

In the particular application of the invention, the obligation module 6b requires the user to use at least part of the available electronic shopping vouchers.

In addition, according to a variant, the data management device can comprise a prohibition module 6c configured to block the use of more complementarity data than the partner device 3,5 has issued, in particular by apart from cases of data from the source 9.

In the particular application of the invention, the prohibition module 6c blocks the use of more vouchers than the partner in question has issued.

In addition, the management device can include a module for devaluing and / or re-evaluating vouchers. This module can for example apply a coefficient to increase or decrease the value of vouchers won, the coefficient can be determined by one of the following criteria s the affluence in the partner's trade, the means of payment used, the sector of partner activity, online or on-site payment, country of use and currency used.

For example, electronic vouchers earned in a restaurant with a high margin making a high rate are devalued by 0.8 at a famous brand clothing merchant. Similarly, it is conceivable that electronic vouchers won in one country are devalued or revalued in another country. In addition, to compensate for exchange rate fluctuations, a devaluation may be applied to vouchers earned in a currency other than that in which they are used.

The management device 6c takes up hardware elements such as a connection module 6d such as a connection BUS, a control module 6e such as a CPU and an “octal © memory 6f”, as well as other modules of server 6g-6h.

The invention further relates to a data management method particularly suited to the system described above.

The method includes at least the steps for;

transmit a first quantity of data, in particular a payment, to a business, in particular to a first partner device 3.5,

- generate complementary data, in particular vouchers,

- complete the quantity of data transmitted, in particular the payment, either by complementarity data, in particular electronic vouchers, generated by the System following previous transmissions, or by complementarity data, in particular vouchers of purchases generated or filled by the source 9.

In particular, the data management method comprises the following steps:

- providing a plurality of user devices 2, 4,

- provide a plurality of partner devices 3, 5,

- provide at least one data management device 6 connected to the user devices 2, 4 and to the partner devices 3, 5 so as to be able to implement data exchanges with them,

- providing at least one collection of data (10, 11) of which at least one (11) is associated with a source of complementarity data 9,

- transmit by means of a user device 2, 4, a first quantity of data to a first partner device 3, S,

- generate first complementarity data,

- complete the quantity of data transmitted either with complementarity data generated by the system following previous transmissions, or with complementarity data generated or filled in by the source 9.

In particular, the core process uses step to compensate each electronic pool 11,

The invention further relates to a program product for implementing the method described above.

In particular, the invention relates to a computer program product which can be loaded into a control unit and which contains parts of software code to execute the steps of a method described above when it is implemented by said control unit.

A general principle for managing payment data flows in a particular application of the system according to the invention will now be described with reference to FIG. 3.

In step (a), the user sends, by means of the user device 2,4, payment data, in particular a payment, to the management device 6, namely a server.

Payment and associated payment authorization can be made in a known manner. Preferably, they are carried out according to the following stages:

In step (b), the server sends a payment request to a payment service provider, in particular to a payment service provider device 7.

In step Ce), the service provider, in particular his device 7, sends the authorization request to bank 8 of the user, in particular to the computer system associated with the bank account of user S.

In step (d), the user's bank 8 notifies the provider device 7 of an agreement or refusal to debit the user's account.

In step (e), the provider device 7 notifies the server 6 of the acceptance or refusal by the bank 8 to debit the bank account of the user.

In step (fl), the server 6 notifies the user device 2,4 of the acceptance or refusal of its bank to debit the associated bank account.

In step (£ 2), the server 6 notifies the partner device 3,5 of the acceptance or refusal by the bank 8 to debit the bank account of the user.

In step (gl) in the event of acceptance, the partner device 3.5 sends to the server 6 a payment validation.

In step (g, 1,1), the server 6 sends to the user device 2,4 the validation of the payment by the partner device.

In step (g2) in the event of refusal, the partner device 3.5 sends a cancellation. payment to the server 6.

In step (g2.1), the server 6 notifies the user device 2,4 of the cancellation of the payment by the partner device 3,5.

In step (0.2,2), the server 6 notifies the provider device 7 of the cancellation of payment by the partner device 3.5.

In step (g, 2.3), the provider device 7 notifies the user's bank 8 of the cancellation of the payment, which credits the user's bank account with the amount debited previously following step (d),

Data management can also be done without a payment provider device 7.

The management of payment data in the particular application of the system according to the invention will now be described with reference to FIG. 4 ”

In step a.0.1, the user chooses by means of the user device 2, the business, in particular the partner device 3, in which he wants to pay as well as the amount to be paid and sends the information to the application 6a.

According to a variant, a geolocation computer module is provided in the application 6a and facilitates the selection of the partner device 3 as a function of a location close to the user device 2.

In step a.0.2, the application 6a requests from the server 6 the amount of electronic pool X which the user must use.

If shopping boas are available, the server device preferably requires using at least part of the shopping boas to avoid storing amounts of vouchers in order to regulate the system 1.

In step a, 0.3, the server 6 notifies the user, in particular to the user device 2, the minimum amount of pot to use.

In step a1, the user sends to the server 6, in particular by means of the user device 2,4, the amount to be paid to the trade, in particular the payment data to be transmitted to the partner device 3,5, as well than the amount X of the pot • used.

In step a. 2, the server 6 sends to the trade, in particular to the partner device 3.5, the amount paid by the user as well as the amount X of the pot used.

In step a.3.1, the server 6 debits from the user pool 10 the amount X used by the user.

In step a.3.2, the server 6 debits the amount X used by the user from the commercial kitty 11.

In step a.4.1 (a), the business, in particular the partner device, notifies the validation of the payment to the server 9, which then transmits it to the user device (a.4.1 (b) ,.

In step a, 4.1.1 ”the server checks the balance of the kitty from store 11.

In step a.4.1,11, the balance of the commercial pot 11 is returned to the server 6,

In step a.4.1.12, if the balance of the trade pot 11 is negative, the server sends the amount to be filled to the source 9, namely the bank associated with the server 6, in particular to hear the computer system associated with the said bank .

In step a, 4.1.13, the bank sends the amount to be filled into the kitty of store 11 to settle it.

Thus, according to a variant, the management device comprises a module for verifying the balance of the commercial kitty 11, and a module for instructions on transferring an amount corresponding to a negative balance. Advantageously, these two modules allow businesses to receive electronic purchase orders even in the absence of issued purchase orders.

In step a.4.12, the server 6 credits the amount Y in the user pool 10 generated following its payment in commerce.

In step a.4.13, the credit server® the amount Y in the kitty of the trade 11 generated following the payment of the user.

In step a.1.2, in case of refusal, the trade notifies the server 6 of the cancellation of the payment, by means of the partner device 3, 5.

In step a.4.21, the server 6 notifies the user, via the user device 2, 4, of the cancellation of the payment by commerce.

In step a.4.22, the server 6 credits in the pool of the user 10 the amount X of the pool used.

In step a.4.23, the server 6 credits in the kitty of the trade 11 the amount X of kitty used by the user,

Thus, in a preferred variant, the invention relates in particular to a loyalty program for merchants and users implemented electronically providing an advantage to users. Thus, with each payment at their merchant, users automatically receive a voucher. of purchase, expressed in euros and credited in a kitty. This preferred variant resides in the management of these vouchers.

Indeed, users can use their vouchers at all merchants, that is to say, they can use it within the commerce that generated it or within another co-commerce, all preferably without conditions. Users can therefore use their kitty in shops all over the world, whether in the physical store or on the ccasanerrant's website.

This freedom left to users is coupled with the fact that merchants cannot receive more vouchers than they have issued, except when using the bank (9).

The invention relates in particular to an engine capable of managing flows so that users can use their vouchers when they wish while allowing businesses not to receive more vouchers than they have issued, except when the bank is used.

Optimization of the reward

A particular aspect of the invention aims to better adapt the rewards to the users when exchanging data.

According to this aspect, said data management device 6 comprises at least one management module 6g configured to optimize the scope of the electronic payment in a specific manner as a function of determined parameters linked to the user device (2, 4), to the partner device (3,

5), information about the user, information about the partner and / or the geographical position of said devices (2, 3).

The management module 6g comprises, for example, an algorithm using said parameters to determine with precision, the optimal reward for a given user. The determination can be made absolutely, according to predetermined rules, or by using averages. Absolute determination aims to accurately anticipate the current exchange situation from data from previous uses of the system 1.

In the particular application, the optimized electronic vouchers make it possible to target a user and stimulate the exchange, in particular the payment which can be electronic.

According to a variant, the management module 6g is configured to optimize the extent of the electronic reward around a predetermined threshold, preferably above a minimum threshold.

For example, the minimum threshold is set at 10%.

The partner has the option to change the scope of the reward. The management system is configured to offer a range suited to the current situation,

The detailed extent can also be reported to

The user. For example, depending on the geolocation of the user, the range suggested to close partners can be displayed on the user device 2. A partner can thus be recommended to a user with an associated range, namely in particular a percentage of associated voucher.

The determination can be made around a determined threshold defined in a particular case as a maximum acceptable reward, for example according to market studies or data accumulated by the management device 6. The predetermined threshold is preferably specific to a activity and / or can be indexed to the average margins in an activity, for example 10% of the maximum margin allocated to mobile vouchers. In a given activity with a very high margin, for example in a pizzeria, it can be 40%, and in another activity, it can be 20%.

According to a variant, the parameters are indicators of a situation unfavorable to the user and the reward is reduced. These indicators show that the user will be inclined to exchange data without being prompted by a specific reward offer. In this case, the management module 6g determines a range closer to the minimum threshold, here 10%. For example, the management module 6g determines a reward between 10% and the predetermined threshold, for example halfway between these values.

Long-term indicators can be averages or other calculations from a database of past uses of the system.

The real-time indicators are similar and are continuously determined by the management device 6, and can be updated.

These indicators are for example a late payment hour, for example after 2.2 hours, a percentage of battery of the user device 2 lower than a battery threshold, for example 10%, the bad weather conditions at the time of the exchange, for example foggy or rainy weather.

Alternatively, the indicators may on the contrary be unfavorable to the partner, when the. situation is opposite to any of the above. In particular, the reward may be at the predetermined threshold, for example 40 or 20% or even another percentage.

In general, the management device 6 adapts the extent of the learning through analysis of the data available, in particular for situations similar to the situation in question in the past. Corrections can be made between neighboring domains, for example by adding a point to the extent determined in the neighboring domain.

According to a variant, the parameters include a type of exchange, in particular payment, for example on the spot, to take away, for delivery, or remotely. When the payment is made for an exchange on the spot, in particular a consumption on the spot, the management device 6 can limit the extent of the reward for example to the minimum threshold. When the payment is made for another exchange, the extent of the expense is increased, in particular for consumption, ordered with delivery, the extent increases for example by two points. For remote consumption, the range preferably increases more than for an order for delivery. For example 5 points more than the minimum threshold.

According to a variant, the parameters include an amount of an electronic partner kitty or of an electronic saturated utility kitty.

In particular, if the pot is more than € 30, the range increases by two points otherwise it decreases for example by two points.

According to a variant, the parameters include a frequency of use of the kitty

In particular, if the use is rare, for example twice a month, the extent increases for example by two points otherwise it decreases by two points.

According to a variant, the parameters include attendance at the partner at the time of the exchange

Attendance can be determined by the number of user devices 2 geolocated in the same place as the partner device 3.

In particular, if the attendance is high, for example three times a week, the extent increases for example by two points otherwise it decreases by two points.

Alternatively, the parameters include; rewards granted by one or more other partners or third parties close geographically,

In particular, the management device 6 offers a similar range to that of close partners.

According to a variant, the parameters include the frequency of frequentation of the user within a given establishment.

Attendance can be determined according to the geolocation of the user in the same place as the partner device 3.

In particular, if attendance is high, for example three times a week, the extent increases for example by two points, otherwise it decreases by two points.

According to a variant, the parameters include the recurrence of user payments in the global network of the system.

According to a variant, the parameters include the brand of the user device 2. In particular, if the brand is considered to be of a range greater than the average "the range increases by 2 points otherwise it decreases for example by two points .

According to one variant, the parameters include the age and / or sex of the user. In particular, if the user is a man, one increases, for example by colon, otherwise it decreases by two points. In particular "if the user is over 20 years of age" the range is reduced for example by two points otherwise it is increased by two points.

According to a variant "the parameters take the socio-professional category of the user, in particular, if the user is of a category considered to be easy, the extent is increased for example by two points if not it is lowered by two points .

Alternatively, the parameters include the city in which he usually uses the application; or the city in which the user lives; or the partner's city. The city can be determined by geolocation of the partner device 3 or the user device 2.

For example, these parameters can be indexed on an objective criterion qualifying the city as a classification of tourist cities, or the GDP of the city.

In particular, if the city is a city favorable to trade, we increase the extent, for example by 2 points, otherwise we decrease it by two points.

According to a variant, the parameters include the habits of the user's social network, in particular the user's friends and preferably their friends.

Social network habits can be determined by analyzing data related to an online social network through the internet.

In particular, if the social network shows an inclination to the product purchased, the extent is increased for example by 2 points if not it is decreased by two points.

According to a variant, the parameters include external news or events close to the partner. The news is determined by an analysis of online news data via the internet.

For example if a major event takes place on the Day or near the day of the exchange, the scope is increased for example by 2 points otherwise it is decreased by two points.

The points mentioned above are increases or decreases in percentage of vouchers. The number of points depends on data on previous exchanges, and / or on market research data and / or data averages on similar situations. i

The invention further relates to a method for managing j data in particular by means of a system as described j previously "j t

The method comprises a step of transmitting data, in particular of payments from users to partners. i

In this step, data, in particular payment data is transmitted. Payment is as described above. j

The method continues with a step of optimizing the extent j of the electronic reward, in particular of the electronic purchase boa j, in a specific manner as a function of determined parameters j linked to the user device 2, to the device j partner 3, user information, partner information and / or geographic location i of said devices 2, 3. The parameters are in particular those described above. ï

The method comprises a step of issuing said electronic reward, in particular electronic purchase vouchers, from the partners to the users. The issuing of electronic vouchers is done in particular as described above. j

In particular, in the general management method described above, the optimization of the reward is made at the time of validation of the payment, for example between steps a. 4.1 (a) ï and (b). Advantageously, this aspect implies a surprise effect for the user and the partner until the time of the exchange, in particular of the payment. The user is therefore encouraged to use the system because he knows that he will obtain a reward and he wants to discover the extent of it by carrying out the exchange, in particular the payment. j

The elements allowing the optimization of the reward j can also be implemented in a management system without “re-use of reward as described above. j

The invention also relates to a computer program product loadable in at least one control unit and comprising parts of software code for executing the steps of the method as described above, when it is implemented by said processing unit. ordered.

Optimization of electronic payments

A particular aspect of aims to reduce the number of data transfers to the service provider device

service of payment 7 for one even to be of payments electronic . In this context, the system of management of data 1 is considered as ra system of payment electronic. For this do »the device of management of S data

has at least one 6h optimization module configured to anticipate a plurality of payments.

The plurality of payments thus optimized makes it possible to make a corresponding electronic payment and to use a single data transfer to the payment service provider device 7. By “plurality of payments” is understood a number greater than a payment.

Once the optimization has been carried out, the data management device 6 requires payment information and authorization for payment for said plurality of payments. In particular, the optimization is made or corrected as a function of determined parameters linked to the user device "to the partner device" to the information on the user "to the information on the partner and / or to the geographical position of said devices.

The 6h optimization module includes for example one. algorithm using said parameters to precisely determine the optimal range for a given user. The determination can be made absolutely, according to predetermined rules, or by using averages. Absolute determination aims to accurately anticipate the current exchange situation from data from previous uses of the system 1.

Alternatively or in combination, the extent of the authorization can be determined according to a reference and adjusted by said parameters preferably based on the one hand on data from previous uses of the system and / or averages, and on the other hand on said settings. The reference can be adjusted according to the partner's sector of activity and / or its reputation assessed objectively.

For example, the range is 25 euros. Thus, the data management device 6 requires a corresponding authorization from the next payment. Advantageously, when the user device totals five times five euros in payments, the management device 6 has used a single data transfer to the provider device 7 instead of five in the prior art.

More generally, according to a variant, the authorization may be a pre-authorization, and the payment provider device 7 makes an imprint on the user's bank account for a given period, for example of seven days, then, preferably at At the end of this period, the direct payment is taken from the account.

It is possible to envisage a management device 6 having computer modules of a payment service provider device 7.

Preferably, if the authorization is refused, a new authorization more than a payment and less than the previous authorization is requested. For example, an authorization of 20 euros is requested. New trials of this type can be repeated.

Alternatively, the parameters include the average basket, for example the average basket of the user device.

In particular, if the average basket over a given period is for example more than 14 €, the 6h optimization module determines a corresponding range increased for example by two euros otherwise it is reduced by two euros.

According to uBé variant, the parameters include the average number of payments over the last days, for example the last six days.

In particular, if a user makes more than five payments in the last six days, the scope increases by, for example, two euros otherwise it decreases by two euros.

Alternatively, the parameters include the time and day of payment.

In particular, if a user pays after 11 p.m., the range increases for example by two euros otherwise it decreases by two euros. Furthermore, if a user pays after the 15th of the month, the scope increases for example by two euros otherwise it decreases by two euros.

According to a variant, the parameters include the extent of the reward, in particular the percentage of mobile voucher, at the partner's.

In particular, if a user the percentage of voucher, of mobile purchase is greater than 15%, the scope increases for example by two euros otherwise it decreases by two euros.

Alternatively, the parameters co-assume age. In particular, if a user is more than 20 years old, the scope increases for example by two otherwise it decreases by two euros.

According to a variant, the parameters include the sex of the user, for example in a given field of activity. In particular, if the user is a man, the scope increases for example by two euros otherwise it decreases by two euros.

According to a variant, the parameters include the socio-professional category of the user. In particular, if the user is of a category considered to be easy, it increases for example by two euros otherwise it decreases by two euros.

Alternatively, the parameters include the percentage of battery of the user device, the brand of the user device. In particular, if the percentage of battery of the user's device is less than 5%, the range increases for example by two euros otherwise it decreases by two euros,;

According to a variant, the parameters include the news j i

external or events close to the partner. In particular, if an external event takes place near the partner, the extent increases for example by two euros otherwise it decreases {by two euros. 1

According to a variant, the parameters include the city in which he usually uses the application t or the city j in which the user lives ·, or the city of the partner. i

The city can be determined by geolocation of the device j of partner 3 or of the device of user 2. {

For example, these parameters can be indexed to an objective criterion qualifying the city as a classification of j tourist cities, or the city's GDP, j

In particular, if the city is a city favorable to trade, the extent is increased for example by 2 euros if not oa i the decrease by two euros. j

The extent is preferably optimized to best suit a given user by combining data on the user and data on all previous uses of the system. J

The invention further relates to a method of electronic payment, in particular by means of a system as described above. f

The method comprises a step of transmitting data, in particular electronic payment j, from users to J partners. This payment is for example a so-called “inj app” payment.

i

I ï

((

The method further comprises a step of optimizing electronic payment by anticipating a plurality of electronic payments as a function of determined parameters linked to the user device, to the partner device, to the information on the user, to the information on the partner and / or the geographical position of said devices. The parameters are in particular those described above.

The method further includes a step of requesting payment information and a payment authorization for said plurality of payments. This step is preferably included in step (b) described above.

The elements allowing the optimization of the payment can also be implemented in a payment system other than that used in the management system as described above "

The invention also relates to a computer program product loadable in at least one control unit and comprising parts of software code for executing the steps of the method as described above, when it is implemented by said utility. control.

Claims (7)

1. Electronic payment system including - a plurality of user devices (2, 4), - use multiple partner arrangements (3, 5), - at least one data management device (6) connected to user devices (2, 4) and to partner devices (3, 5) so as to be able to implement electronic payments from users to partners, wherein said data management device (6) is configured to request payment information and payment authorization from users. Characterized in that said a data management device (6) comprises at least one optimization module (6h) configured to anticipate a plurality of payments so that said data management device (6) requires payment information and payment authorization for said plurality of payments. 2. Electronic payment system according to the preceding claim, in which the optimization is made as a function of determined parameters linked to the user device (2), to the partner device (31, to information on the user, to information on the partner and / or the geographic position of said devices (2,3). 3. Electronic payment system according to the preceding claim, wherein the parameters are determined according to system usage data (1) and / or averages. 4. Electronic payment system according to claim 2 or 3, wherein the parameters include at least one of the following; average basket, · average number of payments over the last few days, for example the last six days, time and day of payment, the extent of the reward, in particular the% voucher, at the partner; outdoor events; the age, gender of the user, the socio-professional category of the user, the percentage of battery of the user device, the brand of the user device; external news or events close to the partner. 5. Method of electronic payment in particular by means of a system according to one of the preceding claims, the method comprising the following steps: transmitting data, in particular of electronic payment, from users to partners, - request payment information and payment authorization for a plurality of payments. 6. Electronic payment method according to the preceding claim, further comprising a step of optimizing electronic payment by anticipating said plurality of electronic payments as a function of determined parameters linked to the user device, to the partner device, to the information on the user, partner information and / or the geographic location of the devices. 7. computer program product loadable in at least one control unit and comprising parts of software code for executing the steps of the method according to the preceding claim when it is implemented by said control unit.