WO2022231471A1 - Système et procédé de transfert sans numéraire de pourboires - Google Patents

Système et procédé de transfert sans numéraire de pourboires Download PDF

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Publication number
WO2022231471A1
WO2022231471A1 PCT/RU2022/000145 RU2022000145W WO2022231471A1 WO 2022231471 A1 WO2022231471 A1 WO 2022231471A1 RU 2022000145 W RU2022000145 W RU 2022000145W WO 2022231471 A1 WO2022231471 A1 WO 2022231471A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
amounts
tip
payment
bank
Prior art date
Application number
PCT/RU2022/000145
Other languages
English (en)
Russian (ru)
Inventor
Михаил Александрович СЕРГЕЕВ
Евгений Георгиевич СОЛОВЬЕВ
Артем Валерьевич ЕМЕЛЬЯНОВ
Сергей Александрович ПАНИН
Антон Вардгесович КАРАПЕТЯН
Original Assignee
Акционерное общество "Национальная система платежных карт"
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
Priority claimed from RU2021112188A external-priority patent/RU2021112188A/ru
Application filed by Акционерное общество "Национальная система платежных карт" filed Critical Акционерное общество "Национальная система платежных карт"
Publication of WO2022231471A1 publication Critical patent/WO2022231471A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

  • the presented group of inventions relates to data processing in payment systems, namely to a method and system for processing and conducting payment transactions in cashless payment transactions.
  • the disadvantage of the invention is the need for the payer to install and use the payment application on the payer's device, without which the operation of the methods and the system is impossible, since in this case the possibility of adding a tip amount for the attendants is excluded.
  • the use of a payment application on the payer's device involves the inclusion of additional devices and limits the scope of the invention to mobile payments only.
  • the disadvantage of the above invention is the inconvenience for the payer in terms of paying for the order through one device (the payer pays for the goods/service through the seller's device) and transferring tips through another device (the payer's device).
  • the solution "Electronic Tip Service" of the Visa payment system is known (link to a source on the Internet: https://money.inguru.ru/debetovye_karty/stat_vladelcy_kart_visa_mogut_ostavlyat_e hlektronnye_chaevye), in which the tip recipient pre-registers his data and links his electronic wallet to them, then when paying for the order, the payer additionally enters the tip amount on the seller’s device, as a result of which the card of the payer, the order amount and the tip amount are debited in one payment, and the seller's bank sends the total order amount to the seller's settlement account and the tip amount to the e-wallets of tip recipients.
  • the closest analogue is a method and a system for transmitting quality of service indicators for a merchant, including a payer device, a merchant device capable of simultaneously receiving at least two cashless payment amounts and generating a transaction with at least two amounts, and a transaction processing server (patent application USA N° 2017132584, G06Q 20/04, G06Q 50/12, published 05/01/2017).
  • the disadvantages of the closest analogue include the fact that the invention does not allow the transfer of tips directly to the attendants, which means that additional steps will need to be taken and additional devices used to extract the tip amount and send it to the attendants.
  • the technical problem to be solved by the claimed technical solution is the creation of an automated system and method for secure, intrabank and interbank transfer of funds, which will allow, within the framework of one transaction, to carry out a one-time write-off of the total amount, including the order amount and the tip amount from the payer's account and subsequent enrollment online or offline at least two amounts to the tip recipient's bank card and to the seller's current account.
  • the technical result is to increase the speed of processing a transaction with a tip with the subsequent crediting of the tip to the recipient of the tip online or offline due to the automation of the system and method.
  • the advantages of the technical solution are to increase the security of the system and method, since when making a cashless payment transaction, the payer does not have the data of the recipient of the tip, and the system and method provide the payer with the opportunity to confirm the total amount of the transaction, thus eliminating the tip amount without the payer's consent.
  • Another advantage of the claimed solution is the expansion of the scope, since the transfer of funds in the presented system and method can be both intra-bank and inter-bank.
  • the claimed technical result is achieved through the use of a system for processing a cashless payment transaction, containing: the payer's device; a merchant device capable of receiving and storing data of at least one tip recipient, and configured to simultaneously receive at least two cashless payment amounts and form a transaction with at least two amounts; a transaction processing server configured to determine a transaction with at least two amounts and initiate crediting of at least two cashless payment amounts based on the aforementioned transaction.
  • the payer's device is represented by a bank card or a wearable device with a tokenized bank card.
  • the payer's device, the merchant's device, the tip recipient's data are connected to the computing systems of the payer's bank, the merchant's bank, and the bank of the aforementioned tip recipient.
  • the computer systems of the payer's bank, the merchant's bank, and the tip's bank may be the same computer system or different computer systems.
  • the merchant's device is configured to enter at least two payment amounts.
  • debiting the total amount from the payment card or from the payer's account and crediting it to the card or account of the recipients can be carried out online or offline.
  • the claimed technical result is also achieved in a method for processing a cashless payment transaction, in which: on the seller's device, data of at least one tip recipient is received and stored; on the device of the seller receive data of the payer and at least two amounts of non-cash payment; form a transaction with at least two amounts and add a sign of a transaction with at least two amounts; receiving a transaction with at least two amounts and a sign of a transaction with at least two amounts at the transaction processing server; the transaction processing server initiates debiting the total amount of cashless payment and crediting at least two amounts of cashless payment based on the data of the aforementioned transaction.
  • At least two cashless payment amounts are entered on the merchant's device.
  • a transaction is formed with at least two amounts, one of which is the total amount of debiting the non-cash payment, and a verification request is sent to the payer's device or to the merchant's device to confirm the total debit amount.
  • a message is formed and sent to the computer system of the payer's bank for debiting the total amount of non-cash payment and to the computer systems of the seller's bank and the tip recipient's bank about crediting the order amount to the seller and the tip amount to the tip recipient.
  • Payer's device any known device containing payer's data and made with the possibility of direct (contact and/or contactless) initiation of a cashless transfer of funds.
  • the payer's device can be a payment card, a mobile device with a bank payment application (smartphone, tablet, smart watch, etc.), etc.
  • the seller's device may include a keyboard, a display, a touch screen, and other technical equipment for data entry.
  • the merchant's device is connected to the merchant's bank computer system.
  • the merchant's device can be, for example, a POS terminal or a smartphone.
  • the merchant device is configured to receive data from at least one tip recipient.
  • a tip recipient in the context of this invention is any natural person other than the seller to whom the tip amount is sent.
  • the tip recipient's data is stored on a memory device and is presented in various ways in the form of account details (card number, account number), social identifiers (phone number, e-mail, etc.), etc.
  • the merchant device is configured to receive the tip recipient's data as a result of interaction between the tip recipient device and the merchant device (eg, applying the tip recipient's payment card to the POS terminal). Also, the merchant's device may receive the tip recipient's data from a storage device where the recipient's data is stored (for example, the tip recipient's data is transferred to the seller's device after data is entered on the computer in the personal account). The merchant's device receives and saves the tip recipient's data once or each time before transferring funds, and the tip recipient's data can be edited if necessary. The merchant's device is configured to display the tip recipient's data in encrypted or altered form. The merchant device is configured to simultaneously accept at least two cashless payment amounts, including the order amount and the tip amount.
  • the merchant's device is configured to generate a transaction with at least two non-cash payment amounts and a sign of a transaction with at least two amounts.
  • the sign of the transaction indicates the need to credit the tip amount to the details of the tip recipient.
  • the merchant's device is configured to interact with the merchant's bank computer system and with the transaction data processing server.
  • the transaction processing server is a device configured to receive and recognize a message with a sign of a transaction with at least two amounts.
  • the processing server is configured to send a payer verification request to confirm that the total amount has been debited and receive a response to the request.
  • the transaction processing server may be stand-alone or included in at least one component of the system to initiate the debiting of the total amount of cashless payment and the crediting of at least two amounts of cashless payment to the seller and to the tip recipient based on transaction data with at least two sums cashless payment.
  • the transaction processing server is configured to interact with the computing systems of the merchant's bank, the payer's bank, and the recipient's bank.
  • the presented solution is an over-bank solution, which means that the invention can be implemented in any bank (without reference to a specific list of banks).
  • the computing devices of the payer's bank, the recipient's bank and the seller's bank may not match, match for all participants, or match for any pair of participants.
  • Figure 1 shows a schematic representation of the claimed system for cashless payments.
  • Figure 2 shows a diagram of a method for making non-cash payments, in which the crediting of the tip amount is initiated in the transaction processing server on the side of the merchant's bank.
  • Figure 3 shows a diagram of a method for making non-cash payments, in which the crediting of the tip amount is initiated in the transaction processing server on the side of the payment system.
  • the presented system and method are fully automated and do not require intervention in the process of cashless payment.
  • the first step is to receive the tip recipient's data on the merchant's device.
  • the tip recipient's data is entered directly on the merchant's device when the recipient manually enters their details in the menu of the merchant's device or applies a payment instrument, after which the entered data is assigned a unique serial number on the merchant's device.
  • the tip recipient's data is entered on a computer (eg, smartphone, laptop, or any similar device configured for this purpose) and then transferred to the merchant's device.
  • a computer eg, smartphone, laptop, or any similar device configured for this purpose
  • the name of the tip recipient can be changed, and part of the details or the social identifier is hidden, so the tip recipient can verify the correct address for transferring the tip amount, while the payer will not be able to determine the details of the tip recipient.
  • Tip recipient details can be added, deleted, and modified without restrictions.
  • the device of the recipient of the tip is received on the seller's device or the pre-stored data of the recipient of the tip is selected on the seller's device, then the order amount and the tip amount for the tip recipient are entered on the seller's device.
  • a payment invitation is displayed indicating the transaction data.
  • the payer confirms the payment of the order amount and the tip amount and proceeds to payment through the payer's device.
  • a transaction is then generated on the merchant's device with two or more amounts, such as the total payment amount and the tip amount.
  • the generated transaction includes at least two amounts and the data of the recipient of the tip.
  • a sign is added indicating that the transaction with at least two amounts of non-cash payment, and that the tip amount must be credited to the address tip recipient.
  • the generated transaction with the mentioned attribute is transferred to the computer system of the seller's bank, where an authorization request is generated and transmitted to the payment system.
  • an authorization request is formatted and then sent to the computer system of the payer's bank.
  • the response to the authorization request is performed in a standard way, as a result, the result of the transaction is displayed on the seller's device.
  • the method also includes a step at which, before the write-off operation, a request is sent from the transaction processing server to verify the payer for the total amount of the write-off. Verification can be carried out both on the merchant's device (for example, a request to enter a PIN code when paying with a physical bank card) and on a wearable device of the payer (request for confirmation of the total debit amount, CD CVM method - when paying with a tokenized bank card).
  • the formation of a transaction with at least two payment amounts can be initiated on the side of the seller's bank or on the side of the payment system on behalf of the seller's bank based on the authorization results.
  • a clearing message is formed and mutual settlements are carried out in a standard way.
  • the initiation of the operation of crediting the tip to the recipient of the tip is carried out, for example, but not limited to, through the system of fast payments.
  • banks are connected to the fast payment system.
  • This embodiment affects how the tip is credited to the tip recipient using a fast payment system, whereby the recipient's identifier (eg, mobile phone number) stored in advance on the merchant's device is used to credit the tip.
  • the method of debiting the total amount (order amount and tip amount) from the payer's account does not change and is carried out similarly to the previous ones. implementation options.
  • a feature of tip crediting using the fast payment system is that crediting is carried out for each payment operation directly at the time of payment.
  • the seller’s bank initiates the tip transfer, after which these transactions are sent to the seller’s bank and from the seller’s bank through the payment system sends a request to the payer’s bank to write off the total amount of money from payer's bank card.
  • the order amounts are credited in a standard way by analogy with the previous option, while the crediting of tips to the accounts of tip recipients is initiated in the seller's bank on behalf of the payer who initiated the tip transfer when paying the total amount (order amount and tip amount) with a bank card.
  • the settlement system debits the seller's bank account and credits the tip recipient's bank account for that amount in real time. In conclusion, banks send notifications of debiting and crediting funds in accordance with the calculations made.
  • an increase in the processing speed of a tip transaction with the subsequent crediting of the tip to the recipient of the tip online or offline is achieved, as well as an increase in the security of the system and method, and an expansion of the scope.

Abstract

Ce groupe d'inventions se rapporte au traitement de données dans des systèmes de paiement, et concerne notamment un procédé et un système de traitement et d'exécution de transaction de paiement lors d'opérations de paiement sans numéraire. Le résultat technique consiste en une augmentation de la vitesse de traitement de transactions de pourboires suivi de l'imputation des pourboires au destinataire des pourboires en mode en ligne ou hors ligne grâce à l'automatisation de fonctionnement du système et du procédé. Les avantages de cette solution technique consistent également en une augmentation de la sécurité et un élargissement du domaine d'application du système et du procédé. Ce système et ce procédé sont destinés au traitement de transactions de paiement sans numéraire et comprennent un dispositif de payeur, un dispositif de vendeur capable de recevoir et de stocker des données concernant au moins un destinataire de pourboires, et capable de recevoir simultanément au moins deux sommes de paiement sans numéraire et de générer une transaction avec au moins deux sommes, un serveur de traitement de transaction capable de déterminer une transaction avec au moins deux sommes et de lancer une imputation d'au moins deux sommes de paiement sans numéraire sur la base de la transaction susmentionnée.
PCT/RU2022/000145 2021-04-28 2022-04-28 Système et procédé de transfert sans numéraire de pourboires WO2022231471A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2021112188 2021-04-28
RU2021112188A RU2021112188A (ru) 2021-04-28 Система и способ для безналичного перевода чаевых объединенного с оплатой заказа

Publications (1)

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WO2022231471A1 true WO2022231471A1 (fr) 2022-11-03

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PCT/RU2022/000145 WO2022231471A1 (fr) 2021-04-28 2022-04-28 Système et procédé de transfert sans numéraire de pourboires

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015148850A1 (fr) * 2014-03-26 2015-10-01 Google Inc. Système de paiement hors ligne sécurisé
US20180005203A1 (en) * 2016-06-30 2018-01-04 Square, Inc. Display notification of information upon payment authorization
US20190279177A1 (en) * 2018-03-08 2019-09-12 Jpmorgan Chase Bank, N.A. System for and method of automated tipping during commercial transactions
RU2732731C1 (ru) * 2020-02-10 2020-09-22 Общество с ограниченной ответственностью Торговый Дом "Смарт-Технологии" Способ оплаты услуг автозаправочных станций при заправке транспортных средств топливом и устройство для его осуществления

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015148850A1 (fr) * 2014-03-26 2015-10-01 Google Inc. Système de paiement hors ligne sécurisé
US20180005203A1 (en) * 2016-06-30 2018-01-04 Square, Inc. Display notification of information upon payment authorization
US20190279177A1 (en) * 2018-03-08 2019-09-12 Jpmorgan Chase Bank, N.A. System for and method of automated tipping during commercial transactions
RU2732731C1 (ru) * 2020-02-10 2020-09-22 Общество с ограниченной ответственностью Торговый Дом "Смарт-Технологии" Способ оплаты услуг автозаправочных станций при заправке транспортных средств топливом и устройство для его осуществления

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