WO2020106229A1

WO2020106229A1 - An account management system and method

Info

Publication number: WO2020106229A1
Application number: PCT/TR2018/050709
Authority: WO
Inventors: Bariş YÜCESES
Original assignee: Moneymo Onli̇ne Bi̇li̇şi̇m Hi̇zmetleri̇ Anoni̇m Şi̇rketi̇
Priority date: 2018-11-21
Filing date: 2018-11-21
Publication date: 2020-05-28

Abstract

This invention is related to an account management system (1) and method used in payment, order, marketing fields. The account management system (1) and method is based on distributed data architecture, and provides to make payment and order via voice, image and loT systems together with the QR-code. The account management system (1) and method provides to perform instant transaction with all banks and virtual purses in the world via API service.

Description

AN ACCOUNT MANAGEMENT SYSTEM AND METHOD

DESCRIPTION

Technical Field

This invention is related to an account management system and method used in payment, order, marketing fields.

State of the Art

Nowadays, payment transaction regarding a product is made via POS or Virtual POS. In addition to this, there are attempts to include QR-code systems within these payment transactions.

Together with the development of smart phones, people start to use voice and image recognition features in their phones. However stores and e-trade systems still could not be able to receive payment from one point within the phones that is safe and easy. The biggest technical problem about this issue is that the product/service lists and prices within the ERP system do not match with this QR-code, voice and image. Therefore we are still bound to the POS system for payment.

When patent applications numbered US8632000B2, US8380177B2 and

TR2007/06758 within the literature are considered, it is observed that systems and methods that provide performing the account transactions of the user through a mobile communication device are described. However, in the relevant patent documents; together with the QR-code, an account management structure that provides payment and order by means of voice, image and loT system providing instant transaction with all banks and virtual purses in the world with API service based on distributed data architecture, is not disclosed.

Therefore, due to abovementioned disadvantages and incapability of the current solutions regarding this issue, it is required to make a development about the relevant technical field. Aim of the Invention

The aim of the invention is to solve the above-mentioned disadvantages by being inspired of the current situations.

The aim of the invention is to provide an account management system and method used in payment, order, marketing fields.

The account management system and method of the present invention provides payment and order via voice, image and loT systems together with QR-code, based on distributed data architecture. The account management system and method provides to make instant transactions with all the banks and virtual purses in the world with API service.

The structural and characteristic features and all advantages of the invention will be understood clearly from the below-mentioned figure and the detailed description referring to the figure and therefore assessment should be elucidated by taking this figure and the detailed description into consideration.

Figures enabling to understand the invention clearly

Figure 1 is a schematic view of the account management system of the invention.

Description of the Reference Numbers of the Parts

1 . Account management system

2. Mobile device

3. Supplier server

4. Bank server

5. Sub unit

6. Database

7. Main server A. User

B. Media

Detailed Description of the Invention

In this detailed description, an account management system (1 ) and method of the invention and preferred embodiments thereof are described for the sake of clarification.

This invention is related to an account management system (1 ) and method used in payment, order, marketing fields. The account management system (1 ) and method is based on distributed data architecture, providing payment and order by means of voice, image and loT systems together with QR-code. The account management system (1 ) and method provides instant transaction with all banks and virtual purses in the world by means of API service.

The account management system (1 ) shown schematically in Figure 1 comprises a smart phone; tablet pc and any kind of mobile device (2), such as smart phone or tablet pc; belong to the user (A).

There are supplier server (3) and bank server (4) in the account management system

(1 ). The supplier server (3) provides the product or service to be purchased. The account of the user (A) is defined within the bank server (4). As a result of purchasing product or service from the supplier server (3), the bank server (4) provides to deduct the fee of the relevant product or service from the user’s (A) account.

The account management system (1 ) includes sub units (5) that provide campaign and loyalty management by analyzing the experiences in terms of purchasing transaction performed by the user (A). As a result of the user’s (A) updating settings, campaign and contact information in any time through the clients included within the mobile device (2), the sub units (5) receive and save these updates from the mobile devices

(2).

The account management system (1 ) includes a database (6) in which there are QR- code, voice and image unique keys created for all products and services. The data base (6) receives and saves the settings, campaign and contact information updated upon the request of the user (A) from the sub units (5). The database (6) is also updated instantly for the product price and inventory information included in each supplier service (3).

The account management system (1 ) includes a main server (7) exhibiting an international substructure that has API service and will adapt to both the bank server (4) and the supplier server (3). The main server (7) is used for comparing the unique keys within the data base (6) for QR-code, voice or image read by means of the mobile device (2) from the media (B) of the user in shopping required to be made through visual, printed or audial media (B). As a result of using the unique key, the main server (7) finds the relevant product or server and forwards the information, prices and purchasing features of the relevant product or service to the mobile device (2) in order to show these to the user (A). For the product and service information requested to be purchased by the user (A), the main server (7) provides to perform the order, payment and supply transactions very quickly through the supplier server (3) and the bank server (4) without using POS machine.

The main server (7) is adapted to perform the following procedure steps:

❖ as a result of the integration made with the supplier servers (3), after creating QR-code, voice and image unique keys for all products and services, saving these to the data base (6),

❖ obtaining unique value which determines the setting of the user (A), the product and number of products from the bank server (4); as a result of reading and identifying the required setting to make shopping from visual, printed or audial media settings (B) or product, by means of the clients (mobile bank branches and virtual purses etc.) provided by the bank server (4)

❖ analyzing the unique value forwarded to itself,

❖ comparing the location (branch, city etc.), product and amount information from the unique value to the product price and inventory information within the database (6) and making the required controls,

❖ forwarding the compared and controlled order information to the supply server (3), that is obtained from the unique value, ❖ receiving the options as discounted price and payment by installments, if any; in terms of the required order from the supplier server (3),

❖ receiving the options as discounted price and payment by installments, reflected to the order from the supplier server (3),

❖ starting the payment process,

❖ forwarding the information of the payment made to the supplier server (3) via the clients within the mobile device (2) of the user (A) and updating the order status,

❖ after making the required controls by the bank server (4), in order to inform the user (A), forwarding the payment information to the mobile device (2) via the bank server (4),

❖ sending the information messages created during the delivery period performed by the supplier server (3) to the mobile device (2) of the user (A),

❖ following the experiences created during whole order process through the sub units (5) and,

❖ saving the experiences followed through the sub units (5) to the database (6), to use in supplier campaigns organized on behalf of the user (A).

The account management method of the present invention uses all elements included within the account management system (1 ). As a result of using all of these elements, the account management method is adapted to perform the following procedure steps:

❖ reading and identifying the visual, printed or audial media setting (B) through which shopping will be made or product to be purchased, by the clients (mobile bank branch and virtual purses etc.) provided by the bank server (4) and within the mobile device (2) of the user (A), ❖ forwarding the unique value determining the setting read through media setting (B) and the setting of the user (A), the product and the amount to be purchased by the clients within the mobile device (2) to the bank server (4),

❖ after approving the accuracy and validity of the unique value forwarded to itself, bank server’s (4) forwarding the unique value to the main server (7) in order to be decoded,

❖ main server’s (7) analyzing the unique value forwarded to itself,

❖ main server’s (7) comparing the location (branch, city etc.), product and amount information from the unique value to the product price and inventory information within the database (6) and making the required controls via ,

❖ main server’s (7) forwarding the compared and controlled order information to the supply server (3) that is obtained from the unique value,

❖ controlling and saving the information received by the supplier server (3),

❖ reflecting the options as discounted price and payment by installments to the order through the supplier server (3) and forwarding this information to the main server (7),

❖ starting the payment process by means of the main server (7),

❖ making the payment by means of the clients within the mobile device (2) of the user (A),

❖ forwarding the information of the payment by the main server (7) to the supplier server (3) and updating the order status,

❖ starting the delivery process by the supplier server (3) through the address information forwarded to the supplier server (3) via the main server (7), ❖ sending the information messages created during the whole delivery period to the mobile device (2) of the user (A) by the main server (7),

❖ after the delivery process is completed, saving the inventory information included in the supplier server (3) to the database (6),

❖ following the experiences created during the whole order process via the main server (7) through the sub units (5),

❖ saving the experiences followed through the sub units (5) to the database (6) via the main server (7), to use in supplier campaigns organized on behalf of the user (A).

❖ the user’s (A) updating the setting, campaign and communication information through the clients within the mobile device (2) whenever necessary and,

❖ saving the updated settings, campaign and communication information via the mobile device (2) in sub units, then forwarding these to the database (6) and saving there too.

Account management system (1 ) and method are developed in order to provide opportunity to make shopping in any kind of setting for the users (A) that they can encounter in their daily lives. The main server (7) uses the API service provided by the banks; it provides an API substructure providing order functions to the bank and suppliers. In other words, the main server (7) aims to provide an international substructure that will adapt to both the bank server (4) and the supplier server (3). The setting for shopping or the product are identified through the clients provided by the bank server (4), through visual, printed or audial media (B) created as a result of the integration of the contractual supplier servers (3) and the main server (7). The clients provided by the bank server (4) can be typically the mobile bank branches and the virtual purses.

In the present invention, instead of developing a new application by protecting the payment settings that the user (A) is accustomed, the bank clients are preferred as a target. The value read through the media (B) is a unique value that determines the setting of the user (A), the product and the amount required to be purchased. The unique value created for shopping is a code created instantly and could include infinite data. The code of the service required to be purchased during shopping, the number of the products, the location of the service, distributor, brand name and even the air temperature could be included in this code. Concerning all these values, shopping experience could be varied. After obtaining this unique value via the client within the mobile device (2), it is forwarded to the bank server (4). The request received by the bank server (4), after being approved in terms of accuracy and validity, forwarded to the main server (7) in order to be decoded. Preferably, there is no direct connection between the mobile device (2) and the main server (7). In order to reply quickly to the shopping demands, the main server (7) uses the database (6) updated instantly for each supplier server (3). The location (branch, city etc.), product and amount information decoded from the forwarded request are compared to the product price and inventory information within the database (6) and required controls are made. The location of the user (A) could be identified by the location where the service is provided instead of the location of the mobile device (2). The branch location used for shopping becomes important for different campaign opportunities. For example in order to make a 50% discount in a branch of a coffee company within one hour, a code is created for completing the shopping from the relevant branch and this code is decoded in the main server (7). As a result of very quick controls, the main aim is of reduce the problems encountered on the supplier server (3) of the order. The controlled and saved order is forwarded to the supplier server (3). As a result of the controls made by the supplier server (3), discounted price and payment by installments if any are reflected to the order. At this phase, the payment process begins. A payment request is created through the preferred bank server (4) according to the supplier server (3) and the user (A) information. The order status is updated within all these processed and all shareholders (user (A), the bank server (4) and the supplier server (3)) are informed about the order status. The payment request made is transferred to the account of the user (A) via the relevant bank server (4) and the order status is updated. The payment information is forwarded to the supplier server (3) via the main server (7) and the order status is updated. After the bank server (4) makes the required controls at the same time in these processes, then the user (A) is informed in terms of the order. At this stage the delivery process is started for completing the order. The delivery process is started by the supplier server (3) through the address information forwarded to the supplier server (3) via the main server (7). The information messages during the whole delivery process are forwarded to the mobile device (2) of the user (A) via the main server (7). The user (A) if he/she wishes may follow the latest status of the order through mobile devices (2). After the delivery process completed, the order status is updated and closed. The experiences created during the whole order process, the processes of the user (A), the main server (7), the bank server (4) and the supplier server (3) are followed through the CRM (Customer Relationship Management) unit included within the sub units (5) via the main server (7). These experiences are processed instantly to the sub units (5) and then the database (6) in order to use in the supplier campaigns to be held on behalf of the user (A). In accordance with the user (A) privacy and usage of personal data, in terms of the management of these data, the user (A) could change the settings through mobile clients when necessary, could update the campaign and communication information.

Claims

1. An account management system (1 ) comprising

❖ mobile device (2), such as smart phone and tablet, belong to the user (A),

❖ supplier server (3) providing product or service supply to be purchased and

❖ bank server (4) including an account belong to the user (A) and as a result of purchasing product or service from the supplier server (3), providing to deduct the fee of the relevant product or service from the user’s (A) account, and based on distributed data architecture, that provides to perform payment and order via voice, image and loT systems together with the QR-code used in the payment, order, marketing fields and provides to perform instant transaction via all banks and virtual purses in the world with API service, characterized by comprising;

❖ sub units (5) that provide campaign and loyalty management by analyzing the experiences regarding purchasing transaction performed by the user (A) and as a result of the user’s (A) updating settings, campaign and contact information in any time through the clients included within the mobile device (2), receive and save these from the mobile devices (2),

❖ a database (6) in which there are QR-code, voice and image unique keys created for all products and services, that receives and saves the settings, campaign and contact information updated upon the request of the user (A) from the sub units (5) and that is also updated instantly for the product price and inventory information included in each supplier service (3),

❖ a main server (7) that exhibits an international substructure that has API service and adapts to both the bank server (4) and the supplier server (3), uses the unique keys within the data base (6) for QR-code, voice or image read by means of the mobile device (2) from the media (B) of the user in shopping required to be made through visual, printed or audial media setting (B) for comparison, as a result of using the unique key, that finds the relevant product or server and forwards the information, prices and purchasing features of the relevant product or service to the mobile device (2) in order to show these to the user (A), and for the product and service information requested to be purchased by the user (A), that provides to perform the order, payment and supply transactions very quickly through the supplier server (3) and the bank server (4) without using POS machine.

2. An account management system (1 ) according to claim 1 , characterized by comprising the said main server (7) wherein;

❖ analyzing the unique value forwarded to itself,

❖ forwarding the compared and controlled order information to the supply server (3), that is obtained from the unique value,

❖ forwarding the options as discounted price and payment by installments if any in terms of the required order from the supplier server (3),

❖ receiving the options as discounted price and payment by installments if any reflected to the required order from the supplier server (3),

❖ starting the payment process, ❖ forwarding the information of the payment made via the clients within the mobile device (2) of the user (A) to the supplier server (3) and updating the order status,

3. An account management method based on the distributed data architecture, that provides to perform payment and order via voice, image and loT systems together with the QR-code used in the payment, order, marketing fields and to perform instant transaction in all banks and virtual purses in the world via API service, characterized by comprising the following procedure steps:

❖ as a result of the integration made with the supplier servers (3), after creating QR-code, voice and image single keys for all products and services, saving these to the data base (6) by means of the main server (7),

❖ reading and identifying the visual, printed or audial media setting (B) through which shopping will be made or product to be purchased, by the clients (mobile bank branch and virtual purses etc.) provided by the bank server (4) and within the mobile device (2) of the user (A),

❖ forwarding the unique value determining the setting read through media (B) and the setting of the user (A), the product and the amount to be purchased by the clients within the mobile device (2) to the bank server (4), ❖ after approving the accuracy and validity of the unique value forwarded to itself, bank server’s (4) forwarding the unique value to the main server (7) in order to be decoded,

❖ main server’s (7) analyzing the unique value forwarded to itself,

❖ main server’s (7) comparing the location (branch, city etc.), product and amount information from the unique value to the product price and inventory information within the database (6) and making the required controls,

❖ controlling and saving the information received by the supplier server (3),

❖ starting the payment process by means of the main server (7),

❖ starting the delivery process by the supplier server (3) through the address information forwarded to the supplier server (3) via the main server (7),

❖ sending the information messages created during the whole delivery period to the mobile device (2) of the user (A) by the main server (7),

❖ after the delivery process is completed, saving the inventory information included in the supplier server (3) to the database (6), ❖ following the experiences created during the whole order process via the main server (7) through the sub units (5),

❖ the user’s (A) updating the setting, campaign and communication information through the clients within the mobile device (2) when necessary and,

❖ saving the updated settings, campaign and communication information via the mobile device (2) in sub units (5), then forwarding these to the database (6) and saving there too.