WO2017140921A1 - Moyen de paiement électronique - Google Patents

Moyen de paiement électronique Download PDF

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Publication number
WO2017140921A1
WO2017140921A1 PCT/ES2016/070101 ES2016070101W WO2017140921A1 WO 2017140921 A1 WO2017140921 A1 WO 2017140921A1 ES 2016070101 W ES2016070101 W ES 2016070101W WO 2017140921 A1 WO2017140921 A1 WO 2017140921A1
Authority
WO
WIPO (PCT)
Prior art keywords
data
card
entity
payment
financial
Prior art date
Application number
PCT/ES2016/070101
Other languages
English (en)
Spanish (es)
Inventor
José Antonio PÉREZ OJEDA
Original Assignee
Pérez Ojeda José Antonio
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Pérez Ojeda José Antonio filed Critical Pérez Ojeda José Antonio
Priority to PCT/ES2016/070101 priority Critical patent/WO2017140921A1/fr
Publication of WO2017140921A1 publication Critical patent/WO2017140921A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K5/00—Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips

Definitions

  • the object of the invention is directed to electronic means of payment that allow transactions between two different financial entities to be carried out.
  • the credit card is a material identification instrument, which can be a plastic card with a magnetic stripe, a microchip and an embossed number. It is issued by a bank or financial entity that authorizes the person in whose favor it is issued, to use it as a means of payment in the businesses attached to the system, by signing and displaying the card. It is another form of financing, therefore, the user assumes the obligation to return the amount provided and to pay interest, bank fees and expenses.
  • Credit cards can also be used at ATMs or at a bank to use a cash advance, although unlike debit cards, an interest is charged on the provision, commission and, in some countries, a tax Because it is a loan.
  • a credit card payment is a payment with M1 money, (credit money) which, like any monetary aggregate other than M0, is not created by central banks but by private banks or credit-giving stores. Therefore, making a credit card payment depends on the creditworthiness of the card issuer. That credit money is NOT from the person who owns the card, you have to pay it.
  • the collector When paying by card at the store, the collector usually asks for an identification (personal identification, driving license, etc.) and requires the signature of the promissory note or ticket to prove that he owns the card. There are some exceptions where it is not requested to sign the receipt, this system is called “authorized without signature" and is often used in shops with large crowds, such as cinemas, fast food restaurants and other similar places. In some countries, the entry of a PIN is requested to authorize purchases in person or the contactless technology system is used by bringing the card closer to the point of sale terminal for identification and depending on the amount or not to enter the PIN.
  • an identification personal identification, driving license, etc.
  • this system is called "authorized without signature” and is often used in shops with large crowds, such as cinemas, fast food restaurants and other similar places.
  • the entry of a PIN is requested to authorize purchases in person or the contactless technology system is used by bringing the card closer to the point of sale terminal for identification and depending on the amount or not to enter the PIN.
  • a credit card is a card that allows you to have a credit account, provided by the issuing entity. That means that if you are a cardholder of these characteristics you can make payments or get money, up to a certain limit, without having to have funds in your bank account at that time. That is the main difference with debit cards. In return, you have to return the money you have used, in the expected deadlines. You should keep in mind that not all credit cards are issued by a credit institution or payment entity. Many banks offer it without having a current account open in them by turning the receipts corresponding to the current account and entity indicated. In the case of those issued by financial credit institutions or payment institutions, it will always be so, since they cannot open current accounts to the public. The characteristics of the credit cards and their ease of use advise calling attention to the fact that using a credit card has the same consequences as having any credit or financing modality.
  • Credit limit and exceeded entities usually set a maximum credit limit for each category of card ("normal”, “silver”, “gold”, ..., according to the most common denominations). That limit can be modified. The entities can adjust it, taking into account their risk policy and the personal and economic solvency characteristics of each client, notifying it. You can also request to change your credit limit. If you want to download it, the entity will not hit you. If you want to upload it, you will need your authorization.
  • the credit limit means that the entity will not pay payments above the set amount. However, I could accept that you exceed the limit. In that case, the so-called or exceeded account arise, which you must return along with the interest and fees that must be provided in the card contract.
  • a debit card is an 8.5 ⁇ 5.3 cm plastic bank card with a magnetic stripe on the back (and an electronic chip is currently also included) that stores information about access data, name and account number of the holder, used to carry out with it active financial operations (increase the balance), liabilities (decrease the balance) or neutral (do not increase or decrease the available balance).
  • the money that is used is the one that is taken to debit of which the holder It has in your bank account and not the one that the bank lends you as it happens with credit cards.
  • the debit card is a card used to use the funds deposited in the checking or other account to which it is associated. Therefore, if you are the holder of a debit card, you must also be the holder of the account although the holder of the same can also request another card for a beneficiary against your associated account.
  • debit cards could only be used to withdraw money at offices and ATMs, as well as to check balances and account movements. At present, they can also be used to make payments in shops. In both cases (withdrawal of money or payment in commercial establishments), the operation is instantly registered in your account. That is the main difference with credit cards.
  • purse cards which are called prepaid cards and allow them to make payments, usually small amounts, or get money up to the amount that the holder has delivered previously to the banking entity or electronic money entity that issues it, by cash deposit or by debiting your account. Once the amount is exhausted, they can be recharged by a new payment from the owner.
  • the amount that can be stored on these cards is usually small and is an electronic substitute for coins and banknotes
  • Commercial cards are those credit cards issued by commercial establishments (therefore not by a banking entity), such as large supermarkets, chain stores, etc., and which are used exclusively to make purchases of items in the establishments that have issued them and up to the agreed limit.
  • a banking entity such as large supermarkets, chain stores, etc.
  • an important part of the large shopping centers work, together with a credit institution, this entity being the issuer of the card and not the shopping center.
  • Affinity or loyalty cards can be issued by commercial or service establishments (eg airlines) and with them points are accumulated that are used to request discounts on the purchase of the items or payment of the establishment's services transmitter.
  • "Affinity" are also credit cards issued by banks, under denominations that are non-governmental organizations, charities, sports clubs, etc. whose use results in the issuing entity delivering to those associations or organizations a part of the amount of the transaction.
  • the object of the invention allows to obtain a solution to the problems set forth above in such a way that a series of instructions are implemented in a medium carrying digital information of the card such as the magnetic strip, chip, or the like of the card, preferably deposit card, of a first financial entity, which contains the entry orders programmed in that first entity and to contact the accounts of both the first entity, where the money will be deposited electronic, as of a second financial institution where it comes from.
  • a first financial entity which contains the entry orders programmed in that first entity and to contact the accounts of both the first entity, where the money will be deposited electronic, as of a second financial institution where it comes from.
  • the electronic income allows any amount provided that it comes from another Financial Entity not being obliged to be through transfer, being able to be made via electronic refund with account deposit or as a debit payment order Direct Core SEPA or ETF type at the choice of the issuer.
  • the issuing financial institution of the deposit card for the same deposit functionality in the account of the client without cash from another financial entity, could restrict or add data on the deposit card related to the content of the information regarding the second financial entity , or partially limit its use or transactional method, without thereby distorting the essence of the invention that is recommended.
  • the account of the first Issuing entity is accessed only to enter electronic money through the programming of the magnetic strip or similar technology, this being its essential function and which does not limit its uniqueness.
  • a financial card is described in this document that has data carriers that comprise one or more elements that respectively contain data referring to said entities.
  • software introduced in a card issued by the entity would be encoded in its magnetic stripe, chip, etc., which would allow its inverse operability between the two financial entities (card issuer and fund facilitating entity).
  • electronic The card includes orders and electronic data processing that would give the instructions and / or orders through the cashier of the card issuer allowing the connection with the financial entity to allow the refund transfer or transfer of electronic money to the financial entity station They would be reciprocal operations although inverse to the usual operation between the two financial entities, that of the issuer of the card and owner of the ATM or network of ATMs and the facilitator of electronic funds.
  • Figure 1. Shows a flow chart representative of the state of the art.
  • Figure 2 Shows a flow chart representative of the implementation of the object of the invention, where the data-bearing means are given by a single element.
  • Figure 3. Shows a diagram of a possible embodiment of the payment means of the invention where the data-bearing means are given by a single element.
  • Figure 4.- Shows a diagram of another possible embodiment of the payment means of the invention where the data-bearing means are given by a single element.
  • Figure 5. Shows a diagram of another possible embodiment of the payment means of the invention where the data-bearing means are given by a single element.
  • Figure 6. Shows a diagram of another possible embodiment of the payment means of the invention where the data-bearing means are given by more than one element.
  • Figure 7. Shows a diagram of another possible embodiment of the payment means of the invention where the data-bearing means are given by more than one element.
  • electronic payment (1) such as a financial card (1) from the first Financial Entity through of the cashier of said first Financial Entity to enter a first account of that same first Financial Entity of which he is the owner (or authorized by the holder), funds from a second bank account of the second Financial Entity of which he is also the owner (
  • an electronic payment method (1) which is the object of the invention and which in this case is defined by the aforementioned financial card (1), comprising digital data carrier means (2) readable by electronic means such digital data carrier means (2) that can be a single element as shown in figures 3,4 and 5 such as a magnetic strip, a data carrier chip, or a data carrier tag (which can be this electronic or code type like QR or bar).
  • digital data carrier means (2) a first data area (21) is defined respectively accessible to each other it includes data referring to the first financial entity (4) while a second data area (22) comprises data referring to the second financial entity (5), all in a single element acting as digital data carrier means (2) and configured as above.
  • data referring to the holder (3) are included in one of the first data area (21) and second data area (22), see figure 3, or in both first data area (21 ) and second data area (22) as shown in Figure 4; in such a way that access to said data can be done independently when making transactions.
  • the data referred to the holder (3) are included in a third data area (23) of the digital data carrier means (2) accessible from at least one of the first or second data areas (21 , 22) as seen in Figure 5; all in a single element acting as digital data carrier means (2) and configured according to the above.
  • an embodiment of the digital data carrier means (2) is understood as an element, such as a magnetic strip or a data carrier chip.
  • each element acting as digital data carrier means (2), each element corresponding to the first financial entity (4) and second financial entity (5) respectively and said elements being arranged separated from each other on the card (1).
  • each element reproduces at least partially the possible preferred embodiment detailed above, so that each element comprises data referring to the holder (3) and at least one data area (21, 22,23) in each element, in such a way that access to said data is carried out independently when making transactions.
  • the data referred to the holder (3) are included in only one of the elements, the other element being and therefore its respective data area (21, 22, 23) in communication with the element comprising the data referred to the holder (3).
  • the digital data carrier means (2) have more than one element each comprises at least one data area (21, 22,23) which in turn comprises data from the pnmera financial entity ( 4) or the second financial institution (5).

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un moyen de paiement électronique d'une première entité financière, qui contient, programmés, les ordres d'entrée dans cette première entité et de mise en contact des comptes aussi bien de la première entité, sur lesquels est déposé l'argent électronique, que d'une seconde entité financière d'où il provient. A cet effet, le moyen de paiement de l'invention présente des moyens porteurs de données qui contiennent des données se rapportant aux entités respectives et aux données relatives au titulaire de sorte qu'à l'aide de ce moyen de paiement, des transactions entre les deux entités peuvent être mises en oeuvre.
PCT/ES2016/070101 2016-02-17 2016-02-17 Moyen de paiement électronique WO2017140921A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/ES2016/070101 WO2017140921A1 (fr) 2016-02-17 2016-02-17 Moyen de paiement électronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2016/070101 WO2017140921A1 (fr) 2016-02-17 2016-02-17 Moyen de paiement électronique

Publications (1)

Publication Number Publication Date
WO2017140921A1 true WO2017140921A1 (fr) 2017-08-24

Family

ID=59625619

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2016/070101 WO2017140921A1 (fr) 2016-02-17 2016-02-17 Moyen de paiement électronique

Country Status (1)

Country Link
WO (1) WO2017140921A1 (fr)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050005045A1 (en) * 2003-07-04 2005-01-06 Yong-Hyeon Kim Multi-standard protocol storage devices and methods of operating the same
US20050077350A1 (en) * 2003-10-13 2005-04-14 Starbucks Corporation Dual card
US6915277B1 (en) * 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
ES2283095T3 (es) * 1999-11-22 2007-10-16 A-Data Technology Co., Ltd. Tarjeta de memoria de interfaz doble y modulo de adaptacion para la misma.
WO2010140781A2 (fr) * 2009-06-05 2010-12-09 Lg Electronics Inc. Terminal mobile à double carte sim et son procédé de fonctionnement
ES2403039T3 (es) * 2000-09-07 2013-05-13 Swivel Secure Limited Sistema y método de identificación de código
ES2407036T3 (es) * 2007-12-31 2013-06-11 Motorola Mobility Llc Controlador de tarjetas inteligentes de modo dual para un lector de tarjetas inteligentes

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ES2283095T3 (es) * 1999-11-22 2007-10-16 A-Data Technology Co., Ltd. Tarjeta de memoria de interfaz doble y modulo de adaptacion para la misma.
US6915277B1 (en) * 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
ES2403039T3 (es) * 2000-09-07 2013-05-13 Swivel Secure Limited Sistema y método de identificación de código
US20050005045A1 (en) * 2003-07-04 2005-01-06 Yong-Hyeon Kim Multi-standard protocol storage devices and methods of operating the same
US20050077350A1 (en) * 2003-10-13 2005-04-14 Starbucks Corporation Dual card
ES2407036T3 (es) * 2007-12-31 2013-06-11 Motorola Mobility Llc Controlador de tarjetas inteligentes de modo dual para un lector de tarjetas inteligentes
WO2010140781A2 (fr) * 2009-06-05 2010-12-09 Lg Electronics Inc. Terminal mobile à double carte sim et son procédé de fonctionnement

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