IT202100009770A1 - PORTABLE DEVICE FOR MAKING PURCHASES ON BEHALF OF THIRD PARTIES AND FROM PRE-FIXED SELLERS AND RELATIVE METHOD OF USE - Google Patents

Description

Description of the invention entitled:

?PORTABLE DEVICE TO MAKE PURCHASES ON BEHALF OF THIRD PARTIES AND FROM PRE-FIXED SELLERS AND RELATIVE METHOD OF USE?

Description

field of technique

The invention refers to an innovative device that can make purchases on behalf of third parties and from a predetermined seller even more convenient. safe and traceable.

Thanks to the relative method of use, the delegate will be able to make purchases in total autonomy being limited within the constraints imposed by the owner of the current account.

Known art

? It has always been useful to delegate the purchase of goods and products for one's own interest to a trusted person. The purchase pi? interesting to be delegated ? the frequent, small, habitual purchase from a fixed upstream seller. This delegation takes place by entrusting, to an external person, a quantity of money to make purchases. It results for? difficult to be sure of? use and trace all transactions.

In the management of payment by cash, the relationship between the owner of the funds and the delegate can rely only on trust and generic scrutiny. The owner of the funds must obtain the cash and deliver it to the trusted person. C?? therefore commitment of time, dexterity? of cash, uncertain control of the delegate.

The purchase by the delegate with payment by the delegating party (hereinafter also called ?buyer?) by check or card, presents for the delegating party the use of time and in any case the normal risks connected either to the check or to the card.

The choice of purchase by the delegate with online payment by the delegating party by bank transfer or by card or other, has the risk of theft of the credentials. The proposed idea starts from the banal concept that if insurmountable limits are placed on the potential behavior of the delegate, the risk of delegation ? reduced. Is the certainty about the effective behavior of the delegate impossible in the traditional purchase? possible in online purchase. The proposed idea establishes that where the seller and therefore the beneficiary of the payment is technically fixed, it would become possible to prevent the delegate from using the money of the delegating party towards others. ? today it is possible to allow purchases both limited within a given unit amount, and limited within a maximum cumulative value in the unit? of time.

The consequence ? that you can increase the activities? delegates in various fields. The secretary of the small company curer? all ordinary purchases; Will the waiter in the bar pay? upon delivery, the pastry or milk van; in the domestic environment, the caregiver will pay? the supermarket, the bar, the florist, online and directly with the money of the elderly person fully controlled by the children; the separated parent can pay the dentist or psychologist for the child, with the money of the other parent, without even contacting him.

A consequence of a purchase with default seller, ? being able to agree with him on standard behaviors: think of the place of delivery of the goods, think of the installment or accumulation of payments, think of the compilation of the reason for the payment, of the information exchanged for the purpose of an accounting reconciliation of payments in the future .

Addressing only purchases in which the seller is obligatorily predefined and where it is therefore possible, if one wishes, to determine other clauses upstream such as the place of delivery of the goods, implies focusing on frequent purchases with a low, if any, risk of fraud. Such a method of proceeding reduces the frequency of payments with free credentials, and by reducing their use, reduces the risk of theft or online scams. It streamlines the purchase procedure which, pu? be carried out even in crowded places, without any fear that prying eyes may steal your credentials. By aiming to streamline the purchasing process, we hope to change ordinary life.

To date, many inventions relating to the field of online purchases have been registered, protecting the buyer (as in the case of the invention AU2021201156), without considering the case in which the buyer is not the owner of the funds or the current account holder.

Purpose of the patent? therefore to remedy the aforementioned problems by providing a portable device, capable of generating codes that make transactions recorded and secure at any time; All ? possible thanks to an innovative method of use that allows unequivocal traceability.

Description of the invention

According to the present invention there is provided a portable device for making purchases on behalf of third parties which effectively solves the above problems.

Purchases approved by the delegate or later buyer, with the device are particularly safe because? addressable only to a list of vendors defined by the delegating party elsewhere. There? makes them legally fall within the scope of the Strong Authentication exemptions.

For online recognition of the purchaser in the purchase procedure, the same must use a small device able to issue a code based on the type of purchase that is about to be concluded.

The device has a keyboard and a display and, upon request, generates a personalized secret number, which the buyer must enter it on your device, together with the seller's code.

Each device must be able to dispense as many codes as there are potential sellers, for two years from its assignment to the buyer, for the amount of the purchase.

When the buyer interrogates the device, he writes down the vendor code and the amount to be purchased; the device reads the current date and time from its internal clock, rounds it off, rounds the amount, builds the combination of buyer, seller, amount, date and time, returns the associated secret number to the display.

Secret number? then a personalized number that varies according to the seller, the buyer, the date and time of the purchase and the amount of the purchase.

Is this code useful? only in this context and with these parameters.

Vendor code too? unique for each buyer cos? that different buyers, when buying from the same seller, have a different seller code.

To further increase the security of the proposed device, a means of biometric recognition is added: the device responds only if the identity? of the user ? confirmed by fingerprint.

A microphone is further added to the present device to identify the owner's voice.

The two biometric recognitions on the device, namely the fingerprint and voice recognition, are more? sure of similar recognitions implanted on a device why? the device works offline.

A battery ? installed inside said device to guarantee an autonomy of at least one week. In one of its embodiments called battery ? rechargeable via USB cable or wireless connection using electromagnetic induction.

In one embodiment thereof, during the on-site purchase phase, the device is adapted to connect via Bluetooth to the seller's device in order to speed up the transfer of information and speed up the purchase process.

A geolocation system? inserted inside the device in order to provide a data collection of purchases even more? exhaustive.

so that the device is efficient, is a method used to make purchases on behalf of third parties respecting a plurality? of steps.

Verification of access credentials is required from both the buyer and the seller; credentials are verified and pu? be required to correct them if a mistake is made.

With the coupling of the purchase request and sales request, the electronic purchase request is received from the delegated buyer and the electronic sale request from the seller, the latter are associated on the basis of amount, buyer, seller, date and time approximate, being both waiting; when the two requests are correctly associated, the purchase is put on hold.

The secret code of the purchaser's request is verified and the coherence of the code with the other data is verified; the value of ?date and time? with which the device generated the code, differs from the ?date and time? produced by the purchaser's device, a computer checks the code also with a ?date and time? reasonably earlier; if incorrect, prompts the buyer to re-interrogate the device and resubmit the purchase request.

A check of the sum over time is performed and, when the code ? correct, the computer verifies compliance with the maximum accumulation limit over time; if the limit of the maximum accumulation ? respected, the computer pu? ask the PSP of the buyer if there ? availability? on account.

Before doing so, the computer checks whether ? the don?t query now or deferred check option has been chosen. With this option, the computer waits and sends the request to the bank only in certain time slots predefined by the bank.

If the option don?t query now is not ? been chosen or if the time window allows the request, the computer asks the buyer's bank if the account ? still open, free, and if ? capacious for that? purchase.

The request ? accepted when a positive response arrives from the buyer's bank. At this point, the computer forwards the acceptance of the transaction to the buyer and seller; the purchase ? certain and irrevocable and the seller can? conclude as agreed.

A possible transition to the alternative payment (don?t pay now option) takes place if the request is not accepted by the bank, or if the cumulative amount limit over time is not respected. In these cases, the computer warns the buyer and checks if ? activate the don?t pay now option; if so, the? buyer? invited to contact the buyer; the buyer receives an explanatory message from the computer that suggests the possibility? to authorize the purchase by card or other online means; if the authorization procedure is successful, the purchase request is accepted, if the procedure is not successful, all parties receive a refusal response.

If the request is refused, the seller receives a ?request refused? message; if rejected due to exceeding the sum of the amounts over time and aborting the don?t pay now option, the purchaser and the buyer receive the specification of ?exceeding the maximum limit of the sum of the amounts over time?; if the purchase has exceeded a maximum time set upstream by the seller, the message of exceeding the maximum time is sent for everyone; if the request ? rejected by the buyer's bank due to non-capacity of the account and non-successful completion of the alternative payment, the justifications are provided online and upon inquiry, only by the buyer. Both the buyer and the seller receive a request denied message.

The advantages offered by the present invention are evident in the light of the description set forth up to now and will be even more clear thanks to the attached figures and the detailed description.

Description of the figures

The invention will come described hereinafter in at least one preferred embodiment by way of explanation and not of limitation with the aid of the accompanying figures, in which:

- FIGURE 1 shows the device suitable for purchases on behalf of third parties and how it communicates; this connection takes place via Bluetooth 12.

A common keyboard 15 ? able to explain the commands of the buyer and to check the functionality? of the device. The secret code is shown on the digital display 10.

Said device comprises a rechargeable battery via USB cable connection 14.

In order to provide and communicate the buyer?s position when making purchases, a geolocation system 13 ? installed inside this device in order to communicate the position.

A fingerprint reader 11 ? action to confirm the?identity? of the buyer before proceeding with the purchase.

A microphone 16 ? designed to record the voice of the owner of the device and to further confirm the identity? or, optionally, to acquire the information as an alternative to the keyboard.

- FIGURE 2 shows the flowchart that underlies? to the method object of the invention, connected to the use of the portable device to make purchases on behalf of third parties.

Detailed description of the invention

This invention will come now illustrated purely by way of example but not in a limiting or binding way, making use of the figures which illustrate some embodiments with respect to the present inventive concept.

Referring to FIG. 1 ? illustrated the device suitable for making purchases on behalf of third parties.

A keyboard 15 ? adapted to check the functionality? of the device and to enter all the necessary data while the digital display 10 ? designed to show the secret code that the device obtains from the entered data.

A fingerprint reader 11 ? installed to verify the?identity? of the buyer.

A geolocation system 13 ? suitable for recording the position of the buyer during the purchase phases in order to provide a more accurate report? detailed for the current account owner.

Mic 16 ? capable of recording the voice of the device owner and further verifying their identity.

The device includes a rechargeable battery via USB cable 14.

Referring to FIG. 2 ? shown the method by which the buyer enters into a relationship with the seller.

Does the buyer have with him? one of his devices and the device assigned to him by the current account holder.

The relationship can being in physical contact at the point of sale (in person) as in the case of the caregiver in the supermarket, can? be online with the buyer who accesses the seller's site.

In all cases, at the end of the purchase, the buyer has chosen and asked what he wants and knows how much he has to pay 100.

He takes his device, accesses the application, selects the vendor icon, finds the vendor code in it (which he will habitually remember by heart); writes the seller code and the amount to be paid on the device, d? a send; the microphone, in addition to verifying the? identity? of the owner of the device, pu? facilitate this phase of data entry; if the limit on the maximum unit amount? respected, read the secret code 200; if the limit on the maximum unit amount is not ? respected, the device d? an error message. The buyer takes his device, writes the amount on the seller's icon, writes the secret code. For all creations, the application on the buyer's device produces the purchase request which contains: buyer, seller, amount, secret code, the date and time of the instant of OK on the device. The buyer?s application sends the purchase request to computer 300. If the purchase is ? in person, the buyer communicates to the seller that he has requested the purchase; the seller takes his device, accesses the application, selects the buyer icon and writes down the amount; a Bluetooth 12 connection will facilitate? the connection of devices.

If the? purchase? online, the buyer accesses the seller's application, chooses products and quantities, sees the amount to be purchased, confirms that he has ordered the purchase on his device.

In both cases, the seller's device produces the sale request which contains: buyer, seller, amount, date and time of the sale.

The seller's device sends the sales request to the computer.

The seller's device is put on hold while the computer checks the consistency between the secret code and the buyer, seller, date and time and amount, the equality between the sale request and the purchase request and checks the sum of the amounts in time 400; if the sales request and the purchase request are not equal, a message is sent to the senders; if they are equal, the computer verifies the sum of the amounts over time; if also the verification of the sum of the amounts over time ? passed positively, the computer asks the bank of the mandator or later the buyer if the purchase can? be accepted 500; the request can? be immediate or later (don?t query now option).

The buyer's bank responds.

If the bank does not accept the purchase or if the sum of the amounts is checked over time, it is not possible. exceeded (ie the sum of the purchase amounts from that seller over time is greater than the ceiling set upstream by the owner of the funds), the computer checks if ? 600 the parties chose the don?t pay now option.

If the? option ? been chosen, an alternative payment request with a 700 card is sent to the buyer. If the don?t pay now option is not available? been chosen, or if the buyer does not accept an alternative payment by card within the time frame, the request at the computer passes to the status of ?request accepted? 800 or ?request refused? 800 and the answers start.

In the event of an accepted request, the seller has a guarantee to process the request.

In the event of a request that is not accepted, the wording ?request refused? appears to the seller. 800 while on the buyer's device, when asked by the buyer, possibly instantly on his device, the refusal of the request appears but with a different justification detail.

In an immediate or future moment, buyer, buyer, sellers, third parties authorized by the latter, will be able to access the site and see the information and/or processing of the information on the purchases and sales made.

? finally, it is clear that modifications, additions or variations that are obvious to a person skilled in the art can be made to the invention described up to now, without thereby departing from the scope of protection which ? provided by the appended claims.

Claims (7)

Claims 1. Portable device to allow trusted third parties to make purchases on our behalf from pre-established sellers characterized by the fact that it is able to provide a personalized code based on the buyer who uses said device, based on the amount, based on the vendor chosen for the purchase, and on the basis of the date and time at which the purchase request is made; said device performing its functionality? in mode? completely offline and including: - a keyboard (15), comprising a plurality? of buttons, able to facilitate the control of said device in the operations of switching on, switching off, requesting the personalized code; - at least one display (10) capable of showing the custom code that will serve? to authorize the payment and to trace the transaction by providing a plurality? of data that will be made available to the buyer, as well as? of the current account owner; - at least one fingerprint reader (11), capable of confirming the identity? of the owner of said device through biometric recognition; - at least one microphone (16), able to record the voice of the owner of said device and to confirm his identity? before proceeding with the purchase; - at least one battery capable of allowing the device to operate for at least one week of use; - at least one geolocation system (13), inserted inside the device in question, designed to record all the movements of the buyer and to provide even more accurate data collection. exhaustive. 2. Portable device to allow trusted third parties to make purchases on our behalf from pre-established sellers, according to the previous claim 1, characterized in that said device used by the buyer, in the case of on-site purchases, in person, connects via Bluetooth connection (12) to the seller's device, reducing and speeding up the communication steps of the personalized code. 3. Portable device to allow trusted third parties to make purchases on our behalf from predetermined vendors, according to any one of the preceding claims, characterized in that said battery ? of the rechargeable type, via a connection via USB cable (14). 4. Portable device to allow trusted third parties to make purchases on our behalf from predetermined vendors, according to any one of the preceding claims, characterized in that said battery ? rechargeable type, through a wireless connection using the electromagnetic induction between coils included inside the device and inside the wireless charger. 5. Portable device to allow trusted third parties to make purchases on our behalf from pre-established vendors, according to any one of the preceding claims, characterized in that said device includes software capable of confirming the identity of the user. biometric of the owner on the basis of the modality? in data entry. 6. Method for making purchases on behalf of third parties from established sellers characterized by making use of the kit of any of the preceding claims and comprising the steps of: - check access credentials (100), connection requests are sent by both the buyer and the seller; credentials are verified and pu? be required to correct them if a mistake is made; - coupling purchase request and sales request (400), the electronic purchase requests are received from the buyer and the seller, the latter are associated on the basis of amount, buyer, seller; when the two requests are correctly associated, the purchase is put on hold; - verify secret code (400), the buyer?s request and the coherence of the code with the other data are verified; if the value of ?date and time? with which the device generated the code differs from the ?date and time? produced by the purchaser's device, a computer checks the code also with a ?date and time? slightly anterior; if incorrect, invites the buyer to query the device again and resubmit the purchase request; - check sum over time (400), when the code ? correct, the computer verifies compliance with the maximum accumulation limit over time; when the limit of the maximum accumulation ? respected, the computer notes the option don?t query now or deferred verification; - option don?t query now or deferred check, the computer checks if ? the don?t query now option has been chosen; self ? been chosen, the computer stands in anticipation of the time window accepted by the buyer's bank, as well as? of the owner of the funds; - check availability of the account (600), if the option don?t query now is not ? been chosen or if the time window allows the request, the computer asks the buyer's bank if the account ? still open, free, and if ? roomy for that? purchase; - possible transition to the alternative payment (don?t pay now option) (700), in the event that the request to the bank is not accepted, or in the event that the cumulative amount limit over time is not respected, the computer notifies the ?buyer and check if ? activate the don?t pay now option; if so, the? buyer? invited to contact the owner of the current account for which he is purchasing; the owner receives an explanatory message that suggests the possibility? to authorize the purchase by card or other online means; if the authorization procedure is successful, the purchase request is accepted, if the procedure is not successful, all parties receive a refusal response; - request accepted (800), when a positive response arrives from the buyer's bank, the computer sends the acceptance of the transaction to the buyer and the seller; the purchase ? certain and irrevocable and the seller can? conclude as agreed; - request refused (800), the seller receives a ?request refused? message; if rejected due to exceeding the sum of the amounts over time and aborting the don?t pay now option, the purchaser and the buyer receive the specification of ?exceeding the maximum limit of the sum of the amounts over time?; if the purchase has exceeded a maximum time set upstream by the seller, the message of exceeding the maximum time is sent for everyone; if the request ? rejected by the buyer's bank due to non-capacity of the account and unsuccessful completion of the alternative payment, the justifications are provided online and upon inquiry, only by the buyer; both the buyer and the seller receive a message of rejected request. 7. Use of the method of making purchases on behalf of third parties from predetermined sellers, according to any one of the preceding claims, to make payments on one's own and thus procure goods or services.