ITMI20112112A1 - PROCEDURE FOR PAYMENT BY CREDIT CARD WITH USE OF ELECTRONIC DATA TRANSMISSION - Google Patents

Description

DESCRIPTION

â € œPAYMENT BY CREDIT CARD

WITH THE USE OF ELECTRONIC DATA TRANSMISSIONâ €

The present invention relates to a method for making a payment by credit card using electronic data transmission.

As is known, today the credit card is considered and used mainly and exclusively to make payments to subjects in possession of the POS (Point of Sale) or via the Internet to authorized subjects with specific procedures and in any case all these subjects are entrepreneurs in their entirety. and in any case subjects who carry out activities that involve an economic transaction with the exchange of goods and / or services.

A further fact to consider is given by the frauds perpetrated with credit cards and which involve significant insurance costs to the management companies of the same or to the cardholders.

For example, it is known that when you buy online you are asked to indicate the type of credit card to be used, the credit card number, the security code and the expiry date.

In the case of ATM withdrawals, however, there is always the problem of losing the card.

The purpose of the present invention is to be able to substantially replace the use of money and credit cards, making payments in a safer and more widespread manner. A further purpose of the present invention is to favor the use of credit cards also by those subjects who do not trust the online purchase made by indicating the data of their credit card.

Another purpose of the invention is to achieve the above result in a practical and economical way.

These purposes are achieved thanks to a procedure for making a payment by credit card with the use of electronic data transmission between a bank transferer, a customer of a first credit card management, and a bank transfer, a customer of a second card management company. credit, the procedure including a phase of:

- sending payment data in electronic format to the first credit card management company, where said data include a first and a second alphanumeric code, each of which identifies a portable electronic device belonging respectively to the bank and the credit card and the indication the second credit card company;

- receipt by the first credit card management company of the payment data in electronic format sent by the bank transfer agent;

- identification of the remediation agent based on the comparison between the first alphanumeric code that identifies his portable electronic device and a first customer database of the first management company;

- forwarding of an accreditation order for the amount to be credited to the second credit card management company, said provision including the second alphanumeric code that identifies the portable electronic device of the credit card taker;

- identification of the reclaimed person based on the comparison between the second alphanumeric code that identifies his portable electronic device and a second customer database of the second management company; And

- making the payment on the basis of the accreditation provision and sending a payment confirmation message to the bank transfer.

An advantage of this procedure is given by the fact that it not only allows payments to be made even without the use or presence of the POS (Point of Sale), but also allows for financial transactions to be carried out between private entities possessing a credit card or related procedure, which can be activated via software and present on mobile phone systems. Therefore, even transactions between individuals or in any case subjects or entities or companies that do not have a POS or do not have payment procedures on the Internet, are made possible thanks to the aforementioned procedure.

According to a further aspect of the present invention, the alphanumeric codes identifying the portable electronic devices of the reclamation and reclamation agent are telephone numbers.

An advantage of this realization is the simplicity of implementation combined with the privacy offered for the reclamation and reclamation. According to the present invention, moreover, the telephone numbers of the reclamation and reclamation are associated with the IMSI code of the respective SIM and / or the IMEI code of the respective portable electronic device.

This realization confers an additional level of privacy available to users.

Further characteristics and advantages of the invention will become evident from reading the following description provided by way of non-limiting example, with the aid of the figures illustrated in the attached tables, in which:

- figure 1 represents a block diagram relating to an embodiment of the process of the invention;

- figure 2 represents a block diagram relating to a second embodiment of the process of the invention; And

- figure 3 represents the main components necessary to carry out the process of the invention.

Figure 1 shows a first user 30 who is a customer of a first credit card management company 34 which uses the method according to an embodiment of the present invention to pay a second user 42 using to identify himself and to identify the second user 42 the respective mobile phone numbers.

The first user 30 is therefore a remediation and the second user 42 a remediation.

Following this request, which can take place via a portable electronic device, such as a mobile phone 70 (fig. 3) belonging to the first user 30, the request for accreditation is forwarded to the first credit card management company 34 (block 32).

The first credit card management company 34, having identified its customer through a first alphanumeric code 72 which identifies the mobile phone 70, proceeds to transmit the credit data to the second credit card management company 38 (block 36) .

The second credit card management company 38 confirms to the cleared user 42, via SMS or Mail or other message that can be received from the mobile phone 80 of the cleared 42, the receipt of the credit in favor of the cleared user 42, using as identification code a second alphanumeric code 82 which identifies the cell phone 80 of the cleared user (block 40).

The clearing user 30 and the clearing user 42 are, during the procedure, identified by means of the mobile phone number only, possibly associating it with the IMSI code (International Mobile Subscriber Identity) of the respective SIM and / or the IMEI code ( International Mobile Equipment Identity) of your mobile phone or other device, such as a smartphone.

This allows total and absolute privacy given that the first credit card management company 34 identifies its credit card customer 30 using his mobile phone number as an identification code, but cannot know or identify the credit card user (unless the latter is he is also his own customer) since he only receives the mobile phone number to be reclaimed.

The identification of the transfer agent 30 takes place on the basis of the comparison between his mobile telephone number and a first database 22 of customers of the first management company 34;

The second credit card management company 42 identifies its credit card customer using the mobile telephone number as an identification code, but it cannot know or identify the credit card user (unless he is also a customer) since he only receives the mobile phone number of the transferor.

The identification of the reclaimed 42 takes place on the basis of the comparison between his mobile telephone number and a second database 61 of customers of the second management company 38.

Both remediation and remediation users 30.42 identify themselves as each other's mobile phone number appears in their address book.

The bank transferer 30 and the bank transfer agent 42 are therefore able to recognize themselves and be recognized by the respective credit card management companies 34,38.

In turn, the credit card management companies 34,38 can only recognize and identify their customer only and not that of the corresponding company involved in the transaction. The transferring user 30 can use an appropriate software pre-installed on his mobile telephone and / or data transmission device 70. The pre-installed software can be licensed for use by the respective credit card management companies or other interested parties.

The two credit card companies may have a clearing house to settle their respective debits and credits.

Following the diagram of figure 2, it can be observed that the cleaning user 30 activates the software to carry out the procedure of the invention, accessing it through the enabling password.

The procedure thus activated requires that the payment or credit parameters be entered (block 12).

These payment parameters may include:

- choice of the credit card to be used for the charge (more software for different credit card companies could be installed inside the mobile phone device);

- mobile telephone number to be credited which acts as the identification of the remitted customer 42 of the second credit card company 38;

- credit card management company to be accredited;

- code or transaction number (if present);

- amount to be credited;

- currency to use;

- any text message;

- any personal control code between subjects.

A data send button (block 14) is then pressed on your mobile phone 70.

The data sent is encrypted (block 16) depending on the type of credit card to be charged and forwarded to a predefined address to the chosen credit card management company 38 and if SMS to the predefined telephone number (block 18).

Upon receipt of the message, the relative decryption takes place from which the transmitted data is deduced which allows the first credit card management company 34 to identify its customer, or the credit card user 30 by comparing it with the first database 22, and at the same time to identify the second 38 credit card management company (block 20).

Regarding the reclaimed user 42, to guarantee privacy, only the mobile telephone number is known, which will allow the second credit card management company to identify him through the second database of customers 61, each of whom is associated with your mobile telephone number, without this being known to the first credit card company 38 (block 20).

A check is then made to see if the credit card user 30 is a customer of the first credit card management company 34 (block 26). If this check gives a negative result, a message of refusal of the operation is sent to the cleaning user 30 (block 28).

If, on the other hand, this check is successful, the first credit card management company 34 carries out a check on the availability of funds necessary for the operation (block 52). If this check has a negative outcome, a message of refusal of the operation due to unavailability of funds is sent to the credit card user 30 (block 54).

If, on the other hand, this check is successful, the first credit card management company 34 carries out a further check (block 56) to verify whether a second credit card management company 38 is indicated to be interested in completing the operation. . If this check is unsuccessful, a message confirming the crediting of the transferred sum is sent to the cleared user 42 (block 58) since it is not necessary to go through a second credit card company 38.

If this check has a positive outcome, or the cleared user 42 is a customer of the second credit card management company 38, where he has been identified by comparing his telephone number with the personal data contained in the second database 61, an accreditation provision (block 60) which will include the data of the operation and the identification of the cleared user 42.

The second credit card management company 38 will also send the credit card user 42 a message confirming the credit (block 62).

As you can see, this procedure allows the transaction between all those subjects in possession of a mobile telephone number and a credit card or rather users and / or customers of a credit card company.

By way of example of a use of the process of the invention, it can allow a first user on the road to transmit a sum by making a credit to a second user, for example a friend who is in any other part of the world.

In turn, the second cleared user obtains an availability of credit immediately increased by the credit made and which he can in turn use for any purchase or carry out other credit operations and so on.

Then consider whether the other subject is located abroad or resides abroad.

An application of the invention procedure can be used for online purchases: after having chosen the products online, at the time of order confirmation and payment request, the online seller screen offers the following elements to be entered proceed to payment:

- mobile phone number of the seller to indicate - credit card to indicate for credit

- amount to indicate

- operation code.

- the buyer's mobile phone number (used to confirm the identity of the number from which the order comes).

Once the procedure has been carried out as indicated above, the confirmation of the transaction and successful operation appears on the screen of the computer or other data transmission device.

In turn, the user who made the purchase will receive an SMS or other message confirming the charge and transaction data.

The procedure is therefore absolutely safe and free of any type of risk of theft of payment data.

In the case of use of the ATM, the same must be prepared with an application that indicates the possibility of accessing the procedure of the invention.

Upon pressing a key to activate the procedure, the mobile telephone number to be indicated in the transaction will be shown. The ATM system at the end of the procedure will dispense what is indicated.

For greater protection, it is also possible that at the end of the Procedure the user receives a code on his mobile phone to indicate to the ATM and only after entering this code will the ATM proceed with the dispensing.

The Bancomat procedure is particularly useful with respect to the use of the Bancomat card if you think about the loss, theft or other of the card itself.

In this case, the lack of the card results in the impossibility of proceeding with any dispensing request operations, while in the case of the invention procedure, the same can also be done from a remote telephone. Think of the case in which a child, being abroad, loses the ATM card, will go to an ATM, will activate the procedure of the invention the procedure, will provide the mobile phone number to his / her parent via telephone, the the parent can proceed with the Bancomat procedure as indicated above and, once the confirmation code has been received, he will transmit it or indicate it to the child, who, by typing it into the ATM, will obtain the payment.

According to a variant of the described procedure, it is possible that the sending of payment data in electronic format to the first credit card management company 34 is carried out not by the bank transferer 30, but by the bank transfer 42 with the consent of the bank transfer agent 30.

This can happen, for example, in the event that the bank transferer is at the checkout of a supermarket, or other business and needs to make a payment by credit card.

In this case, it will be sufficient for the bank transferer 30 to indicate his / her mobile phone number and the name of his / her credit card company to the cashier. The latter acting as a reclaimed subject 42, can use the data received to initiate the procedure described above, with the variant that, in the first place, the reclaimed subject is sent a consent to the debit of the relative amount.

When the creditor 30 gives his consent, the payment procedure is carried out in the manner described in the present description.

The data transmitted from the reclamation agent 30 to the reclamation 42 at the beginning of the procedure can be transmitted in the most varied ways according to the case: by voice, via bluetooth or otherwise available on a mobile phone.

Obviously, modifications or improvements may be made to the invention as described, dictated by contingent or particular reasons, without thereby departing from the scope of the invention as claimed below.

Claims (7)

CLAIMS 1. Procedure for making a payment by credit card with the use of electronic data transmission through the use of a portable electronic device, between a bank transfer (30), customer of a first credit card management company (34), and a reclaimed (42), customer of a second credit card management company (38), the procedure comprising a phase of: - activation of a software pre-installed on the portable electronic device of the bank transferer in order to allow the first credit card management company to identify the bank transfer agent as its customer (30); - sending payment data in electronic format to the first credit card management company (34), where said data include a first and a second alphanumeric code (72,82) each of which identifies a portable electronic device (70,80 ) belonging respectively to the credit card (30) and the credit card (42) and the indication of the second credit card management company (38); - receipt by the first credit card management company (34) of payment data in electronic format; - identification of the reclamer (30) on the basis of the comparison between the first alphanumeric code (72) that identifies his portable electronic device (70) and a first database (22) of customers of the first management company (34); - forwarding of a provision for the crediting of the amount to be credited to the second credit card management company (38), said provision including the second alphanumeric code (82) which identifies the portable electronic device (80) of the remitted party (42) ; - identification of the reclaimed (42) on the basis of the comparison between the second alphanumeric code (82) which identifies his portable electronic device (80) and a second database (61) of customers of the second management company (38); and - making the payment on the basis of the accreditation provision and sending a payment confirmation message to the bank transfer (42). 2. Process as in claim 1, in which the alphanumeric codes identifying portable electronic devices (70,80) of the reclamation agent (30) and of the reclamation agent (42) are telephone numbers. 3. Process as in claim 1, in which the telephone numbers (70,80) of the reclamation (30) and of the reclamation (42) are associated with the IMSI code of the respective SIM and / or the IMEI code of the respective portable electronic device ( 70.80). 4. Procedure as in claim 1, in which the payment data sent by the transferor (30) further includes the amount to be credited and the currency to be used. 5. Procedure as per the previous claims, in which the sending of payment data in electronic format to the first credit card management company (34) can be carried out by the bank transferer (30) or by the bank transfer (42) with the consent of the reclamation (30). 6. Process as in claim 5, wherein the payment data is encrypted according to the encryption standard of the first credit card management company (34). 7. Procedure as per the preceding claims, in which the first and second credit card management companies (34,38) coincide.