FR3138538A3 - Payment methods integrating a QR code previously anchored on the blockchain. - Google Patents

Abstract

The present invention relates to a means of payment such as a bank note and/or a bank card and/or a check on which a QR-Code is affixed. Means of payment such as a bank note and/or a bank card and/or a check on which is affixed a QR-Code with several dimensions monochrome or in color and/or holographic and/or lenticular deposited directly on the support or as a watermark or by embossing which is previously anchored on the blockchain to obtain a digital certificate of ownership called NFT or JNF or non-fungible token in French and in that the management of the QR-code is done by a specific software and algorithmic application.

Description

Payment methods integrating a QR code previously anchored on the blockchain.

The present invention relates to a means of payment such as a bank note and/or a bank card and/or a check on which is affixed a monochrome or colored and/or holographic and/or lenticular multi-dimensional QR-Code which is deposited directly on an external support or as a watermark such as paper or cardboard or plastic and in that the QR-Code before its application on the support or in the support is previously time-stamped by an anchor on the blockchain which will make it possible to verify and guarantee by means of a specific computer application that the above means of payment is indeed valid and complies with its issue and that it is not a forgery resulting from counterfeiting or that it has been withdrawn from circulation, or has been accidentally or intentionally destroyed, or stolen.

Variants of the invention allow it to be both a means of payment for a fixed period and a means of access.

Each year, between 500,000 and one million counterfeit notes are withdrawn from circulation. Since 2002, nearly 6.5 million counterfeit notes have been seized. The Payment Means Security Observatory published a report on payment means fraud in 2017.

He sounds the alarm on the check. While this means of payment is used less and less, it is reaching record levels of fraud.

The use of checks is declining in France, while fraud using this means of payment is on the rise.

Indeed, while the use of checks decreased by 7% in France between 2016 and 2017, the number of check frauds is increasing and is approaching the number of bank card frauds.

The comparison is edifying. Only 8% of cash transactions (by writing to the bank account) are made by check, compared to 58% by card. However, check fraud represents 40% of cash payment fraud, 48% for cards.

The risk is therefore very real when you cash a check for a large amount. (Source: https://www.paycar.fr/news/cheque-la-fraude-atteint-des-sommets-le-cheque-de-banque-en-question/).

Thus notes, cards and checks benefit from numerous security points. However, after a certain time, these parameters can be reproduced by counterfeiters.

For this purpose the invention aims to remedy and aims to improve security devices in the fight against fraudsters.

Means of payment such as a bank note and/or a bank card and/or a check where a QR-code is affixed using offset or inkjet or laser printing techniques using unalterable and indelible inks. By this type of ink we mean that they also contain additives which, released from the solvent, cause chemical reactions. These modify the molecules constituting the ink until the solvent can no longer dissolve them: the ink is then almost impossible to erase..., or by 3D milling, or by laser beam or by embossing and that said Multi-dimensional monochrome or color and/or holographic QR-Code for surface printing and/or lenticular technique is previously anchored on the blockchain with all the information previously integrated and its registration on the blockchain will produce a digital certificate of ownership called NFT or JNF or non-fungible token in French.

For a better understanding of the invention and its advantages, the following definition of the acronym NFT in English or JNF in French is recalled:

An NFT or JNF, or non-fungible token in French, is a digital certificate of ownership which designates a unique object: music, an image or a video game character. This document gives all the information on the object: its author, the complete and precise description of the content of the stored information and the different possible applications

Thus anchored on the blockchain, it will make it possible to verify and guarantee using a specific computer application that the said means of payment above is indeed valid and that it is not a fake resulting from counterfeiting or that it has been withdrawn from circulation, or has been accidentally or deliberately destroyed, or has been the subject of theft.

A variant consists in that the QR code is printed or engraved or embossed depending on the type of support admitting such a printing or engraving or embossing system.

A variant of the invention consists of creating an unalterable QR code stored inside a memory chip for media integrating memory chips such as bank cards. The QR code can simultaneously be printed on at least one of the visible surfaces and present in the electronic chip. This variant of arrangement will increase security against counterfeiting or during theft to know if the two QR-Code have the same data.

According to another variant, the QR-Code contains, in addition to other information, the fingerprint or a strand of DNA.

The algorithmic software application allows reading the QR code for the following information:

To inform that the non-fungible token is indeed the original;

In that it makes it possible to determine the first release on the market thanks to the data and a timestamp with a certain date.

That the data in the QR code must agree with the number of the ticket or check or card or any other means of payment or at least one security point located at the same time on the support.

If an anomaly is present, an alert is issued to the Banque de France and/or financial institutions and various partners.

A complementary aspect according to the present invention consists in that the means of payment valid thanks to the QR-Code is for a fixed period and that it will be possible during said validity via the software application to make purchases.

For a better understanding we could exemplify by the fact that the invention is an entrance ticket to a show or sporting event and that during the duration of the event it can be a means of payment. Also, the software application for processing the QR-Code during entry control will activate the additional payment method. At the end of the event the payment method is void. The QR-Code in one variation also allows you to receive discounts or discounts for purchases linked to the event.

By extension, the invention applies by extension to all existing or future means of payment.

It is therefore understandable that the above invention finds its application perfectly for entry tickets to a show or an access ticket etc.

It goes without saying that modifications can be made to the embodiment which has just been described, in particular by substitution of equivalent technical means, without thereby departing from the scope of the present invention.

It is understood that the invention is not limited to the fields of activity previously described, as well as the substantial improvements which may result therefrom.

Claims (6)

Bank note and/or a bank card and/or a check characterized in that it is affixed by printing techniques a QR-code by offset or inkjet or laser using unalterable and indelible inks or by milling 3D, or by laser beam or by embossing and that said multi-dimensional monochrome or color and/or holographic QR-Code for surface printing and/or lenticular technique is previously anchored on the blockchain with all the information previously integrated which will produce a digital certificate of ownership called NFT or JNF or non-fungible token in French. Bank note and/or a bank card and/or a check according to claim 1 characterized in that the unalterable QR code is stored inside a memory chip. Bank note and/or a bank card and/or a check according to claims 1 and 2 characterized in that the QR code is simultaneously stored in the chip and printed on at least one of the visible surfaces. Bank note and/or a bank card and/or a check according to claims 1 and 2 characterized in that the QR-Code contains, in addition to the other information, the fingerprint or a strand of DNA. Bank note and/or a bank card and/or a check according to claims 1 and 2 characterized in that the data of the QR code must agree with the number of the note or check or card or any other means of payment or at least one security point located at the same time on the support. Bank note and/or a bank card and/or a check according to claims 1-2 and 5 characterized in that the means of payment valid thanks to the QR-Code is for a fixed period and that it will be possible during said validity via the software application for making purchases.