WO2021195725A1 - Procédé virtuel pour arrondissement de centavos provenant de transactions bancaires de cartes de crédit/débit et transmission pour bénéficiaires - Google Patents

Procédé virtuel pour arrondissement de centavos provenant de transactions bancaires de cartes de crédit/débit et transmission pour bénéficiaires Download PDF

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Publication number
WO2021195725A1
WO2021195725A1 PCT/BR2020/050113 BR2020050113W WO2021195725A1 WO 2021195725 A1 WO2021195725 A1 WO 2021195725A1 BR 2020050113 W BR2020050113 W BR 2020050113W WO 2021195725 A1 WO2021195725 A1 WO 2021195725A1
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WO
WIPO (PCT)
Prior art keywords
card
user
platform
rounding
credit
Prior art date
Application number
PCT/BR2020/050113
Other languages
English (en)
Portuguese (pt)
Inventor
Cristiano FRANCISCO DA SILVA MASETTO
Original Assignee
Francisco Da Silva Masetto Cristiano
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 Francisco Da Silva Masetto Cristiano filed Critical Francisco Da Silva Masetto Cristiano
Priority to PCT/BR2020/050113 priority Critical patent/WO2021195725A1/fr
Publication of WO2021195725A1 publication Critical patent/WO2021195725A1/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
    • G06Q20/22—Payment schemes or models

Definitions

  • the present invention patent deals with a virtual method for rounding cents from credit/debit card banking transactions and transmission to grantees, where, notably, said virtual method includes a software that uses the logic of rounding cents from the credit and debit card transactions through a process of connecting to the credit card brands, using information previously provided by these brands for rewards programs and transmission to grantees. All operations are carried out on a platform and billing can be monthly, based on purchases made on a card registered by the user, where the user defines who will receive the amount by accessing the customer's website. After registering the card in the program, the platform collects the user's purchase transactions and calculates the rounding of cents for each purchase. The sum of the rounding difference of each purchase will be the amount to be charged monthly. After the calculation, the platform will generate a charge in the amount defined on the user's card and after the charge, part of the amount collected is transferred to the bank account of the recipient customer and part of the amount withheld for payment of fees and administrative services.
  • Monetary donations can be made in different ways, for example, through the accessibility of the websites of the organizations to be favored, determining a monthly amount and a more convenient debit or credit date.
  • said donation system depends on the approach to be taken by the employee of the commercial establishment in relation to the consumer. If carried out incorrectly, it can cause discomfort for the consumer and the non-acceptance of the proposal.
  • the present invention is basically constituted by an online platform that allows to offer the customer a differentiated crowdfunding service with patronage (collection of small monthly amounts) of contacts(3) via Optin (previously authorized data registration) with the use of a financial institution that authorizes directing cents of rounding of all debit or credit transactions of said contacts in electronic terminals for use in said client's project, which, in turn, pays the platform an administration fee and a percentage for services rendered, which are a specialized curatorship in the capture and improvement of proposals, in addition to dissemination tools and consultancy.
  • the document of no. BR11.2018.004859-3 refers to a permanent donation system comprising donor entities, endowment fund entities, business entities, a control board, an investment allocator and a profit allocator.
  • Donor entities invest in endowment fund entities and endowment fund entities return the profit to donor entities.
  • Tax write-off is applied between tax paid by donor entities and investment by donor entities to endowment fund entities.
  • Endowment fund entities invest in business entities and business entities return the profit to endowment fund entities.
  • the investment allocator makes investment recommendation to the control board.
  • the control board provides investment preferences to the investment allocator.
  • the profit allocator makes recommendation regarding the reinvestment fund to the business entities and the delegated fund to the control board.
  • Each allocator comprises a pattern matching module and a static variables module.
  • the system uses a creativity module and a CTMP module.
  • the document no. US2017293948 deals with system for processing and filtering donation information received from a donor, the system having a processor. Indicative data of a donation request transmitted to the processor over the Internet.
  • a database stores data that includes a plurality of fields.
  • a funds transfer request generated based on the data and associated with an entity identifier is generated by the software running on the processor.
  • the software compares the entity's address with the address field to generate a first data set with a plurality of records. Records can include address field when entity and donor belong to the same state, records exclude address field when entity and donor address are from different states.
  • the dataset is associated with the entity by the entity identifier and is accessible by a computer associated with the entity identifier.
  • Another objective of this invention is to present a virtual method for rounding cents from credit/debit card banking transactions and transmission to grantees where the capillarity of rounded transactions is expanded, since all transactions carried out by the user, in any shopping channel, whether physical 'POS' or 'Contocties' or digital 'e-commerce', and also because it is not necessary for the user to authorize rounding for each purchase, since he has already joined the platform on the signature.
  • Figure 1 represents a flowchart illustrating the user's journey
  • Figure IA reveals a flowchart of user adherence
  • Figure 1B illustrates a flowchart of the data exchange process with the flag
  • Figure 1C illustrates a flowchart of the connection in a PCI environment
  • Figure 2 shows a block diagram detailing the process of association and responsibilities
  • Figure 3 reveals a photographic image of the platform interface for user registration
  • Figure 4 illustrates a flowchart detailing the de-registration process and responsibilities
  • Figure 5 reveals an image of the interface of the platform for accessibility of the card holder to the accessibility of the customer's website
  • Figure 5A shows an image of the platform interface for card owner confirming card deletion
  • Figure 5B represents the image of the platform interface of the card deletion confirmation and communication to the user
  • Figure 6 reveals a block diagram of the steps of credit card transactions in real time
  • Figure 7 shows a block diagram of the details of the monthly closing process and responsibilities.
  • Figure 8 illustrates an image of the interface for the platform that sends an extract from each user by email.
  • this patent of invention refers to the "VIRTUAL METHOD FOR ROUNDING CENTS ARISING FROM BANK TRANSACTIONS OF CREDIT/DEBIT CARDS AND TRANSMISSION TO GRANTORS", more precisely it is a virtual method (10 ) for the transmission of monetary donations to grantees in general, such as philanthropic organizations, institutions and the like.
  • Said method (10) operates through a software (ST) through a virtual platform (PL) for the collection of monetary amounts (Mn) through the authorization of the rounding of financial transactions carried out in debit/credit and previously authorized by the user owner (Ul) of (11) debit/credit card.
  • the amount (Mn) collected is transferred to an organization/institution called 'customer' (12) which pays the platform an administration fee (13) and percentage (13a).
  • said method (10) provides that the operability for the rounding of cents from credit/debit card banking transactions with 'White Label' application that runs embedded in the customer's environment (12) which can be online like websites, offline like a supermarket checkout or a card POS (11). All operation is composed of software (ST) for capturing, activating and retaining the user base (Ul) and system (ST1) for connecting and exchanging data with the card flags (11) and, consequently, the rounding of the transactions and the collection of the amount (Mn) rounded on the card (11) registered.
  • ST software
  • Ul user base
  • ST1 system
  • Said method (10) presents the following logical organization: a) Capture: the user (Ul) accesses the 'opt ir ⁇ area of the platform (PL), which may or may not be inserted in the client's website or application (12) through integration APIs, entering personal data, terms of use the application for acceptance and registration of the card(s) (11); b) Rounding: in real time on the platform (PL) it connects in a PCI environment with the card brand database (11) and user transactions (Ul) are sent, once a month, these transactions are consolidated and rounding is performed.
  • the platform charges the registered card (11); c) Calculation of rounding: Purchases, object of rounding, are rounded to the decimal point of cents, always for each subsequent decimal as a purchase of 14.50 or rounding of 0.50; d) Billing: The amount (Mn) rounded at the end of the month will be charged once on the card (11) registered by the user (Ul), using digital means of payment, including and not limited to recurrence, the MDR and also the Payment split for projects with more than one beneficiary; e) Base activation: The platform makes available applications for activating the captured database, such as: el) 'Crowdfunding' itself, offering the user (Ul) the decision on how to use their rounded cents; e2) Embedded or not on the partner's website (12), a 'crownfunding' application offered to the user (Ul) to direct fractions of the amount rounding up to different projects, products,
  • the increment is charged recurrently; f) Contribution: In a random month the user (Ul) can increase the rounded amount (Mn) with a specific amount on a non-recurring basis; g) Retention: In order to keep the user base (Ul) active, some applications retention will be made available to partners, such as: a) pausing subscription; b) maximum limit for collection; c) among others.
  • Said platform (PL) generates a statement (14) for each user (Ul) and a statement for each customer (12) as accountability, being a recurring flow until the user (Ul) requests his exit from the program.
  • Method (10) includes process of association and responsibilities (10A) (see figure 2) where the following steps are provided: al) User (Ul) accesses the customer's website (12) and requests the registration of the card ( 11); a2) Customer website (12) connects the platform (PL), and for the user identification (Ul), the platform (PL) generates a hidden key in the page call, which associates the user record (Ul) to the customer (12); a3) User (Ul) registers his personal data such as name, CPF and e-mail where said information is stored in a database; a4) User (Ul) accepts the terms and conditions of the platform (PL), being mandatory that the user (Ul) accepts the rules of the regulation to continue with the registration; a5) Said platform (PL) provides an area to collect credit card data, connects to the PCI Server (SV) with the registration number of the individual CPF and encrypts it as the key to be associated with its database; a6) User (Ul) registers the credit card data (11) such
  • This process is to confirm that all data on the card is correct and if the card is invalid, it already notifies the user (Ul); a8) Said platform (PL) stores the card data (11) in a payment gateway and receives a payment gateway token for future transactions; a9) The payment gateway returns the Token to the platform (PL) for future transactions and does not store credit card data (11), ie it uses a Token with the payment gateway; alO) Said platform (PL) sends credit card data (11) through the API to the company the card with UCCII - unique credit card ID - generated by (PL) and will be the main key for all transactions; all) Card company (11) starts monitoring transactions using the services linked to the card (11), provided by Loyalt's tools; al2) Registration in (PL) is confirmed and communicated to the user (Ul).
  • Method (10) includes unsubscribe process and responsibilities (10B) (see figure 4) where the following steps are provided: bl) User (Ul) accesses the customer's website (12); b2) The client's website calls the Platform (PL) and for the user's identification (Ul), the platform (PL) creates a hidden key in the page call, which associates the user's registration with the client (12); b3) User (Ul) confirms card deletion (11); b4) Software (ST) processes card removal (11) where the PCI server (SV) removes card data (11); b5) Software (ST) sends the payment gateway deletion request by the stored Token; b6) Payment Gateway confirms the removal of card data (11) for the platform (PL); b7) The software (ST) by API requests the deletion of data from the (11) credit card company; b8) Card company (11) stops monitoring; and b9) The deletion is confirmed by the software (ST) and communicates to the user (Ul).
  • the method (10) includes real-time (10C) credit card transactions through the following steps (see figure 6): cl) Credit card company (11) sends all information to the platform (PL) registered credit cards (UCCII, Date, Time and Transaction amount); c2) Server (SV) processes the data and publishes it on the website.
  • cl Credit card company (11) sends all information to the platform (PL) registered credit cards (UCCII, Date, Time and Transaction amount);
  • c2) Server (SV) processes the data and publishes it on the website.
  • Method (10) includes monthly closing process and responsibilities (10D) (see figure 7) through the following steps: dl) Software (ST) calculates rounding of cents to result in payment being done; d2) Software (ST) queries the card number (11) at the payment gateway queries the card numbers at the payment gateway using the Tokens generated in the subscription process; dS) Software (ST) performs billing using the payment gateway with Split; d4) Software (ST) confirms all transactions performed at the payment gateway; d5) Software (ST) sends an extract of each user (Ul) by email; and d6) Software (ST) sends the statement to the customer by email.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (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 procédé virtuel (10) pour transmission de don monétaire pour bénéficiaires en général du type organisations philanthropes, institutions et analogues. Ledit procédé (10) est mis en œuvre au moyen d'un logiciel (ST) par l'intermédiaire d'une plateforme virtuelle (PL) pour collecte de sommes monétaires (Mm) par autorisation de l'arrondissement d'opérations financières réalisées sous forme de débit/crédit avec autorisation préalable par le propriétaire utilisateur (U1) de la carte (11) de débit/crédit. Le montant (Mn) collecté est transféré à une organisation/institution appelée « client » (12) qui paie à la plateforme une taxe d'administration (13) et un pourcentage (13a). Ledit procédé (10) prévoit que le dispositif d'exploitation pour l'arrondissement de centavos provenant de transaction bancaires de cartes de crédit/débit avec application White Label tournant de manière intégrée dans l'environnement du client (12) peut être mis en œuvre en ligne, notamment sur des sites, et hors ligne, par exemple au niveau d'une caisse de supermarché ou d'un point de vente pour carte (11). L'ensemble du dispositif d'exploitation comprend un logiciel (ST) de détection, d'activation et de conservation de la base d'utilisateurs (U1) et un système (ST1) de connexion et d'échange de données avec les marques de carte (11), permettant par conséquent l'arrondissement des transactions et le débit du montant (Mn) arrondi sur la carte (11) enregistrée.
PCT/BR2020/050113 2020-04-02 2020-04-02 Procédé virtuel pour arrondissement de centavos provenant de transactions bancaires de cartes de crédit/débit et transmission pour bénéficiaires WO2021195725A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/BR2020/050113 WO2021195725A1 (fr) 2020-04-02 2020-04-02 Procédé virtuel pour arrondissement de centavos provenant de transactions bancaires de cartes de crédit/débit et transmission pour bénéficiaires

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/BR2020/050113 WO2021195725A1 (fr) 2020-04-02 2020-04-02 Procédé virtuel pour arrondissement de centavos provenant de transactions bancaires de cartes de crédit/débit et transmission pour bénéficiaires

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WO2021195725A1 true WO2021195725A1 (fr) 2021-10-07

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PCT/BR2020/050113 WO2021195725A1 (fr) 2020-04-02 2020-04-02 Procédé virtuel pour arrondissement de centavos provenant de transactions bancaires de cartes de crédit/débit et transmission pour bénéficiaires

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160203526A1 (en) * 2015-01-13 2016-07-14 Andra TOMSA Systems and methods for microdonations derived from a captured receipt image
US20190392489A1 (en) * 2018-06-22 2019-12-26 Edatanetworks, Inc. Blockchain Tracking and Managing of A Transaction Incented By A Merchant Donation To A Consumer Affinity

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160203526A1 (en) * 2015-01-13 2016-07-14 Andra TOMSA Systems and methods for microdonations derived from a captured receipt image
US20190392489A1 (en) * 2018-06-22 2019-12-26 Edatanetworks, Inc. Blockchain Tracking and Managing of A Transaction Incented By A Merchant Donation To A Consumer Affinity

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
"PayPal Subscriptions and Recurring Payments Guide", May 2008 (2008-05-01), Retrieved from the Internet <URL:https://www.paypalobjects.com/webstatic/en.US/developer/docs/pdf/archive/PPsubscriptions.pdf> *

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