WO2019000060A1 - Système et procédé d'identification et d'accès à un opérateur de données, de mise à disposition d'informations, d'authentification d'utilisateur, de sélection d'opérateur équivalent, d'établissement de communication via protocole d'authentification et de communication, de transmission de données et d'instruction à l'opérateur équivalent - Google Patents

Système et procédé d'identification et d'accès à un opérateur de données, de mise à disposition d'informations, d'authentification d'utilisateur, de sélection d'opérateur équivalent, d'établissement de communication via protocole d'authentification et de communication, de transmission de données et d'instruction à l'opérateur équivalent Download PDF

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Publication number
WO2019000060A1
WO2019000060A1 PCT/BR2017/050162 BR2017050162W WO2019000060A1 WO 2019000060 A1 WO2019000060 A1 WO 2019000060A1 BR 2017050162 W BR2017050162 W BR 2017050162W WO 2019000060 A1 WO2019000060 A1 WO 2019000060A1
Authority
WO
WIPO (PCT)
Prior art keywords
operator
user
data
service server
communication
Prior art date
Application number
PCT/BR2017/050162
Other languages
English (en)
Portuguese (pt)
Inventor
Diego Sant 'ana DA SILVA
Original Assignee
Da Silva Diego Sant Ana
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 Da Silva Diego Sant Ana filed Critical Da Silva Diego Sant Ana
Priority to PCT/BR2017/050162 priority Critical patent/WO2019000060A1/fr
Publication of WO2019000060A1 publication Critical patent/WO2019000060A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Definitions

  • the present invention pertains to the field of data processing systems and methods, communication and data transfer schemes and protocols.
  • the present invention relates to a system and method for identifying and accessing a user to a specific data operator by means of a user-bound access device, checking the availability of the information and the operation desired by the user , user authentication after positive verification of availability, selection of equivalent operator, establishment of communication through an authentication protocol and communication with the equivalent operator and transmission of data packets and instructions for this equivalent operator.
  • the present invention further relates to a computer program which coordinates and manages a system according to the invention and performs a method according to the invention.
  • An example of such a procedure is a user's access to a given device administered by a given for example, information (database) or securities (banking institutions) or access or content (operators and telephony providers, internet etc).
  • a given device administered by a given for example, information (database) or securities (banking institutions) or access or content (operators and telephony providers, internet etc).
  • the user In order to obtain from this operator a particular service or product, the user usually accesses a user interface of this particular operator, accesses the operator, verifies the availability of a certain service, authenticates, and then requests a particular product or service.
  • Procedures of this nature are known and customary and include, but are not limited to, access to telephone service providers which, when used to establish a call with an apparatus of another operator, will do so through their standard interface, without consider whether the destination operator offers a compatible or advantageous operation for the user with the originating operator.
  • Another known procedure is that of communication protocols between the user and an operator of values to perform a certain payment or transfer of funds or withdrawal of physical values (in kind), possible for the user only in interfaces of the same operator, limiting the range of transactions.
  • a common prior art operation comprises access to the provision of cash in kind using a credit card, a procedure known in the banking sector as a "cash drawer”.
  • Patent examples of these solutions are those described by US 8,468,101, WO 2003 56525, US 5,987,439, WO 2013 15749 and the like which, as already described above, limit the users' access and transaction possibilities to the conditions offered by same operator. [016] It is important to remember that these traditional operations are subject to tariffs or collections of values. Banks usually charge a service fee or similar and interest up to the date of payment of the credit card bill.
  • One of the objects of the present invention is therefore to provide a system according to the features of claim 1.
  • Another aim of the present invention is to provide a method according to the features of claim 6.
  • Still another object of the present invention is to provide a computer program according to the features of claim 7.
  • a system according to the invention is a system capable of performing the identification and access of a user to a specific data operator by means of a user-bound access device.
  • a system of this nature therefore, comprises at least:
  • a device for confirming the return between the second operator and the service server
  • a system according to the invention is a system capable of allowing a user to instantly obtain cash (money), transferred to any account of which he is a holder, be it a checking account or a savings account or the like account, independent of the credit card that the user owns.
  • the Service Server is able to identify to which bank the credit should be transferred, automatically choosing the best source account, requesting the transfer between accounts of the same institution.
  • the user can have the money available in a few minutes, as long as the request is made within banking hours, making payment in installments (at the invoice of the card) as best suits you.
  • a user-side access device which may be, but is not limited to, a cellular or similar mobile telephone having a specific application, with access to any mobile platform, the user connects to the Services Server.
  • destination account can be from any bank and the credit card can be from any operator / administrator and also from any flag.
  • the Services Server Upon completion of the request, the Services Server makes a request to the card operator requesting confirmation of the card limit and due debit (billing). If the customer does not have available credit on the registered / selected card, thus, the negative card manager returns, the transaction is terminated at this time. The service server will send a message to the user-side access device, with the corresponding information.
  • the service server will perform data validation.
  • the validation of data is to confront if the card has the same holder than the access device on the user side, if the CPF or other document informed is valid and checks with the holder if the target account is a valid account, if the request made to the card administrator was answered correctly, among other certifications that are necessary.
  • the Service Server after entering the data of the second user, will locate it and return it informing the data for conference by the plaintiff user (the credit card holder in which it will be charged).
  • the receiving user (the second user) will receive an alert, stating that the first user wants to transfer resources.
  • the second user will then select which current account or savings account (from those previously registered) wishes to receive the funds, which will be transferred immediately.
  • the banking operation of the present system that is, the operation involving the movement of cash in kind, involves a real-time transference, since in this (server or part of the processing as a whole) one has an intelligence where there is transfer management between the same bank.
  • the service server When the user makes an application via the application for cash, the service server is able to identify the customer's bank (target account) and manage multiple application accounts (bank automatic processing and selection ), thus proceeding with the for transfer between the same bank, reducing time and cost.
  • the information is returned to the Service Server.
  • the service server will return a message to the client (on the user-side access device). If for any reason the transfer can not be completed at this stage (outside the institution's opening hours, for example), the corresponding information message will be displayed to the user.
  • a method according to the invention is a method performed by a system according to the invention and comprising the following method steps:
  • the present invention further contemplates a computer program capable of coordinating and administering a system and performing a method, both in accordance with the invention.
  • the present invention therefore provides a system and also a specific method, both novel and inventive with respect to their peers of the prior art.
  • the system and method according to the invention provide value transfer flexibility, security and optimum performance regardless of the characteristics and infrastructure of the operators in question.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système d'identification et d'accès à un opérateur de données comprenant une interface utilisateur, un dispositif de communication entre l'interface utilisateur et un serveur de services, un serveur de services, un dispositif de communication entre le serveur de services et l'opréateur ou un premier opérateur, une banque de données côté premier opérateur, un dispositif de vérification de l'intégrité des données de retour du premier opérateur, un dispositif de sélection automatique d'un second opérateur, un dispositif de communication avec le second opérateur, un dispositif de confirmation de retour entre le second opérateur et le serveur de services, et un dispositif de retour d'informations pour l'interface utilisateur. La présente invention concerne également un procédé destiné à être exécuté par le système et un programme d'ordinateur équivalent.
PCT/BR2017/050162 2017-06-26 2017-06-26 Système et procédé d'identification et d'accès à un opérateur de données, de mise à disposition d'informations, d'authentification d'utilisateur, de sélection d'opérateur équivalent, d'établissement de communication via protocole d'authentification et de communication, de transmission de données et d'instruction à l'opérateur équivalent WO2019000060A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/BR2017/050162 WO2019000060A1 (fr) 2017-06-26 2017-06-26 Système et procédé d'identification et d'accès à un opérateur de données, de mise à disposition d'informations, d'authentification d'utilisateur, de sélection d'opérateur équivalent, d'établissement de communication via protocole d'authentification et de communication, de transmission de données et d'instruction à l'opérateur équivalent

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/BR2017/050162 WO2019000060A1 (fr) 2017-06-26 2017-06-26 Système et procédé d'identification et d'accès à un opérateur de données, de mise à disposition d'informations, d'authentification d'utilisateur, de sélection d'opérateur équivalent, d'établissement de communication via protocole d'authentification et de communication, de transmission de données et d'instruction à l'opérateur équivalent

Publications (1)

Publication Number Publication Date
WO2019000060A1 true WO2019000060A1 (fr) 2019-01-03

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BR2017/050162 WO2019000060A1 (fr) 2017-06-26 2017-06-26 Système et procédé d'identification et d'accès à un opérateur de données, de mise à disposition d'informations, d'authentification d'utilisateur, de sélection d'opérateur équivalent, d'établissement de communication via protocole d'authentification et de communication, de transmission de données et d'instruction à l'opérateur équivalent

Country Status (1)

Country Link
WO (1) WO2019000060A1 (fr)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005086593A2 (fr) * 2004-02-05 2005-09-22 A Little World Private Limited Procede de paiement mobile interoperable, multi-operateur, multibanque, multi-commerçant, et systeme correspondant
US7175076B1 (en) * 2004-07-07 2007-02-13 Diebold Self-Service Systems Division Of Diebold, Incorporated Cash dispensing automated banking machine user interface system and method
US20070106613A1 (en) * 2005-11-10 2007-05-10 Murphy Michael J Automated accounting system
US7419091B1 (en) * 2004-03-30 2008-09-02 Diebold Self-Service Systems Division Of Diebold, Incorporated Cash dispensing automated banking machine with disposable cash display
KR101005982B1 (ko) * 2003-10-07 2011-01-05 에스케이 텔레콤주식회사 이동통신망을 이용한 금융 서비스 시스템 및 그 방법
US20110208659A1 (en) * 2006-08-15 2011-08-25 Last Mile Technologies, Llc Method and apparatus for making secure transactions using an internet accessible device and application

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101005982B1 (ko) * 2003-10-07 2011-01-05 에스케이 텔레콤주식회사 이동통신망을 이용한 금융 서비스 시스템 및 그 방법
WO2005086593A2 (fr) * 2004-02-05 2005-09-22 A Little World Private Limited Procede de paiement mobile interoperable, multi-operateur, multibanque, multi-commerçant, et systeme correspondant
US7419091B1 (en) * 2004-03-30 2008-09-02 Diebold Self-Service Systems Division Of Diebold, Incorporated Cash dispensing automated banking machine with disposable cash display
US7175076B1 (en) * 2004-07-07 2007-02-13 Diebold Self-Service Systems Division Of Diebold, Incorporated Cash dispensing automated banking machine user interface system and method
US20070106613A1 (en) * 2005-11-10 2007-05-10 Murphy Michael J Automated accounting system
US20110208659A1 (en) * 2006-08-15 2011-08-25 Last Mile Technologies, Llc Method and apparatus for making secure transactions using an internet accessible device and application

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