Payment verification, validation, and authorization process, and product obtained.

Description

1 / 18 Process for checking, validating, and authorizing payments, and product obtained. From the application

[001] The patent application now submitted falls within the industrial sector of solutions designed to assist in activities related to facilitating transport mobility and traffic in general, and which involve the need for recognition and release of payment operations through hardware associated or not with specific software. Regarding the process and its operational specificity

[002] More assertively, the aforementioned process is industrially applicable to any and all types of transport whose operation, performance, and logistical flow are legally subject to the imposition of mandatory tariff charges, such as tolls in general (e.g., rural, urban, road, rail, maritime, air, and related mobility), each normally carried out through the most varied types of transport (cars, trucks, buses and various vehicles, trains, subways, ferries and vessels in general, airplanes, etc.), including also integrated parking operations, and where the process and its respective devices enable, simplify, and expedite the automatic payment of tariffs through validation of Petition 870260020981, dated 06 / 03 / 2026, page 13 / 32 2 / 18 data and instant authorization of daily and recurring payments via PIX. From the fundamentals

[003] It is known that the construction and maintenance of infrastructure that enables transportation in general (roads, bridges, highways, ports, waterways, bus stations, airports, etc.) are usually financed primarily by the worldwide practice of toll collection, commonly known as tolls, justified by the financial contribution from users who utilize them, in order to also help cover the costs of improvements, conservation, signage, support services, among other benefits that basically aim to guarantee safer and more comfortable traffic conditions, including improving traffic flow. State of the art

[004] Currently, the payment of tolls and urban mobility fees uses systems based on credit and debit cards or cash at toll booths, ticket machines, RFID tags and other physical means that depend on the management and supply of elements, devices and structural conditions by the operators and accredited concessionaires.

[005] As an example, one can also cite the Petition 870260020981, dated 06 / 03 / 2026, page 14 / 32 3 / 18 existence of some patent documents involving systems and devices for controlling and collecting toll fees: - BR9901595, relating to a process for installing sensors in fresh concrete for toll plazas, comprising a set of sensors intended for detecting dual wheels and counting the axles of each vehicle passing through the toll plaza, which are mounted on parallel supports installed in the pavement and embedded in the base concrete, being defined by profiled channels and mounted in such a way as to determine the parallel sets for installing said sensors and which integrate a detector system composed of an encapsulated coil, plastic tube and a set of rods fixed at the ends of a template; - BR9801054, which presents an inductive card system applied exclusively to highway tolls, comprising a reading device, inductive card and interface board (optionally replaceable by a specific circuit) mounted separately and interconnected to the reading device and the self-service toll system; - BR0207927, consistent with a traffic control system with toll application according to congestion parameters, where a vehicle traffic control server includes a means of monitoring, a means Petition 870260020981, dated 06 / 03 / 2026, page 15 / 32 4 / 18 of tariff adjustment in communication with the monitoring medium, and a notification medium in communication with the tariff adjustment medium. Of the existing problems

[006] In this same respect, the vast majority of conventional methods of charging for mobility events tend to demand high operational costs and the need for adequate infrastructure, which in many cases leaves much to be desired due to the high complexity combined with exorbitant costs and the enormous bureaucracy involved.

[007] Many of these obstacles end up generating a series of other inconveniences, such as limitations on immediate use, lengthy sign-ups and registrations, physical tags that require logistics, production costs, and correct installation on the vehicle's windshield and that often do not work correctly, abusive charges, evasions, delays in transferring the amounts collected to the dealerships, disrespect and non-compliance with deadlines for receiving and releasing payments, difficulties in customer service and problem solving, and various discrepancies.

[008] Added to this are the risks of robberies at the booths and / or violence against employees due to the presence of cash, long queues due to human operational service, high rate of sick leave and absences. Petition 870260020981, dated 06 / 03 / 2026, page 16 / 32 5 / 18 employees are laid off due to the stressful complaints, indirect remarks, and dissatisfaction of many users who insist on venting their anger and indignation (with or without political bias) on these workers, who are already subject to a high level of adrenaline and anxiety due to the likelihood of impacts caused by accidents on the structures of the barriers, booths, and toll plazas, especially by irresponsible drivers who are distracted, inexperienced, arrogant, angry, or under the influence of drugs, alcohol, and / or who drive under the influence of amphetamines, controlled or uncontrolled medications, psychotropic substances, and other products that can alter cognition and driving ability in an extremely dangerous, fatal, and criminal way.

[009] Coupled with the inevitable need for substantial investments in human resources and technological infrastructure, conventional methods prove to be absolutely restricted and focused solely and exclusively on vehicular mobility, neglecting the presentation of solutions and services related to individual mobility in public and even private means of transport, such as trains, subways, buses, airplanes and the like, among a series of other inconveniences suffered by all parties interested in the functioning, management, operation and use of the entire generic mobility system. Petition 870260020981, dated 06 / 03 / 2026, page 17 / 32 6 / 18

[010] In light of just a few of the problems described above, the now-presented payment checking, validation, and authorization process and product were conceived, designed, and developed. In short, it aims to eliminate dependence on exclusively physical devices, and the exhaustive labor involved in numerous tests, research, and trial and error led the inventor to achieve a fast, functional, and efficient data validator and automatic payment authorizer, making the process much more practical, responsive, and highly secure, expanding the areas of operation and improving the experience of all parties involved. Regarding the functioning of the process

[011] The process in question acts as a digital validation and authorization platform based on APIs (Application Programming Interfaces) that integrates with any financial institution using its platforms through its channels, allowing these institutions to have an innovative payment solution so that their clients can pay the fees for urban mobility services charged by concessionaires and companies in this sector, allowing the registration of vehicle and personal data, which can be through biometrics, vehicle license plate number and other identification options, whose data validation is Petition 870260020981, dated 06 / 03 / 2026, page 18 / 32 7 / 18 important for the partner financial institution to identify its client, making the payment via PIX from their current account directly to the current account of the service provider, automatically, simply and correctly without the need for intermediaries and with the consequent full transfer of funds.

[012] Thus, the process consists of a control panel (dashboard) for use by the concessionaire, another promotional panel for use by banking institutions, and a central API (with a specific commercial name) responsible for integrating the two ends, connecting concessionaires and financial institutions authorized by the central bank to operate with payments via PIX.

[013] Upon entering their bank's digital channel, the user must click on the urban mobility API functionality icon to quickly, securely, and without bureaucracy, register their identification data (e.g., vehicle license plate and biometrics). This will create a multifunctional digital vehicle card so that the bank or IP (payment institution) customer can track their account statement with all their information, usage, and expenses, as well as block the card if necessary, delete the card if they decide to change their vehicle's institution, or for any other reason. Petition 870260020981, dated 06 / 03 / 2026, page 19 / 32 8 / 18 reason and see details of the registered vehicle and current promotions.

[014] With the vehicle ready to use all the services of the partner dealerships, it will be detected by LPR (License Plate Recognition) reading cameras and axle sensors when passing through toll collection points. The central API system receives this data from the dealership, analyzes the data, validates this information, and sends the authorization via API to the bank that has this data registered along with the service value and the dealership's Pix key, so that the payment is automatically made via PIX from the client's current account at the partner bank to the Pix key registered by the partner dealership. These transactions can be monitored in real time on the dealership's dashboard control panel and on the bank's digital channels by its clients. Advantages

[015] Through the process now revealed, also compatible with traditional toll plazas or electronic Free Flow (free passage), parking lots, ferries, bicycles, scooters, airports, trains, subways, etc., traffic on any means and roads, said process may be used by any company that uses PIX payments in its Petition 870260020981, dated 06 / 03 / 2026, page 20 / 32 9 / 18 platforms, including even the OSAs (Collection Service Organizations) themselves, completely eliminate the need for physical tags and other conventional means.

[016] Another major advantage brought about by the process in question lies in the possibility for bank and IPS customers to receive promotional campaigns using their dashboard directly on their multifunctional vehicle cards, generating several benefits, so that users can also use their personal biometric and electronic registration to pay for other forms of transport concessionaires, such as subways, trains, buses, etc., resulting in a broad, complete and previously non-existent process / product, thus combining additional advantages such as: - Elimination of the use of physical tags; - Reduction of capex and opex for dealerships; - Direct integration with banks and digital wallets; - Instant settlement (D+0) via Pix for dealerships and partner companies; - Fast and secure digital data registration; - multifactorial validation; - compliance with the LGPD (Brazilian General Data Protection Law); Petition 870260020981, dated 06 / 03 / 2026, page 21 / 32 10 / 18 - auditable and operational platform in real time; - A multifunctional vehicle card that also allows users to receive highly targeted benefits through promotional campaigns in the industry, retail, and service sectors, for pre-determined periods. - Cost-effective and extremely efficient for everyone involved; - This multifunctional digital card is used as the product, serving as a user interface and integrating various functionalities; - comprised of processes and devices including servers, facial recognition systems, license plate recognition cameras, and other necessary components for successful operation. - It allows the same operations using biometric registration, which can be facial, iris, fingerprint recognition, etc.; - It allows you to pay tolls and public transportation (subway, train, bus, etc.) using the same integration with banks and concessionaires without the need for in-person registration or bureaucracy, unlike traditional TAG systems used by OSAs (Collection Service Organizations); It operates in milliseconds, providing forwarding. Petition 870260020981, dated 06 / 03 / 2026, page 22 / 32 11 / 18 of values ​​almost instantaneous, in contrast to the current model which can take up to 30 days for the transfer of values ​​to occur, charging high administrative fees to the concessionaires if they need an advance on these values; - It does not use RFID, but it can analyze and validate data from EPC (Electronic Product Code) codes located on the RFID, GPS (latitude and longitude), or mobile phone number to authorize recurring payments via Pix; - It acts as an intermediary for data verification, speeding up the cross-referencing of information for payment in milliseconds and accepting facial biometrics, iris, fingerprint, GPS, license plate, specific code, various cameras, among other multiple types of identifiers; Users can easily switch between banks, registering and unregistering vehicles and accounts as desired; Unlike current OSA (Online Service Provider) pro and prepaid packages that charge users monthly fees and rates of up to 20%, this process allows financial institutions to charge significantly lower rates than those practiced in the market for their clients, in addition to being able to offer numerous benefits in promotional campaigns; - facilitates the consultation and payment of fines for Petition 870260020981, dated 06 / 03 / 2026, page 23 / 32 12 / 18 traffic, IPVA (vehicle tax) and other fees related to urban mobility, based on vehicle license plate reading; - It can also be used at gas stations, supermarkets, parking zones, and other establishments, especially where rates are fixed or standardized, and integration with the partner allows for automatic payments, eliminating the need for cash or cards; - Adaptable to different segments, with dashboards and control panels segmented according to the activity of the interested partners; - Allows the user to quickly register a vehicle license plate from anywhere, using their own cell phone, without needing to use a service counter or wait for a TAG to be delivered to their home address; - The multifunctional vehicle card can be created in a timeless way, anywhere and on any occasion, for example: it can be created on the side of the road or inside an elevator, and even by the driver's passenger, even while the vehicle is in motion; - Outstanding payments can be made immediately, with options to pay using the available balance in the current account associated with the registered PIX key, or later. Petition 870260020981, dated 06 / 03 / 2026, page 24 / 32 13 / 18 generating a Pix code to pay at any other bank and account where the user has a balance; - It provides agility and simplicity, eliminating bureaucracy and making it easier for dealers to visualize their daily earnings; - The dashboard allows for real-time monitoring of payments, which is considered a key differentiator for dealerships and operators, particularly due to its desired transparency, control, and management of all operational events; - Flexibility to adapt to new and / or future businesses and technologies, including airports and bus stations, enabling the immediate transfer of boarding fees, validating both the ticket and the instant payment of the fee at the time of boarding on the respective means of transport, eliminating intermediaries and delays in the transfer of funds; - Expandable to any environment involving access charges and validations, with emphasis on speed and elimination of financial intermediaries; - It allows the creation of sponsored cards, enabling campaigns such as toll cashback for interested vehicles and companies, to promote, publicize, optimize and add value to their respective brands and Petition 870260020981, dated 06 / 03 / 2026, page 25 / 32 14 / 18 activities; Banks can inform partners (e.g., automakers) about registered customers, creating a universe of information and paid promotions that increase revenue for both the process and the bank, attracting even more interested parties to campaigns within the platform; - Allows for vehicle blocking for various reasons, such as theft or restriction of use (e.g., preventing minors, strangers, and unlicensed individuals from using the vehicle), and can automatically alert the highway patrol and / or other public / private security authorities; - Total transparency and ease of control, since the funds are transferred directly from the user's account to the utility company's account, including detailed records of each transaction; - Fully encrypted processes, guaranteeing the security of information and transactions, including Pix keys, allowing the sending of funds only for specific purposes and without any direct manipulation of amounts by the process operators; - The user does not need to know the Pix key of the utility companies to make the payment, since the bank receives the information in encrypted form to carry out the operation automatically; Petition 870260020981, dated 06 / 03 / 2026, page 26 / 32 15 / 18 - The user can use Pix payments for recurring charges without any daily limitations on the use of the process; - Integrable with the various digital channels of all financial institutions and utilities, allowing for broader management and faster payments with lower costs and fees; - It simplifies control for transport companies, with truck registration via app and elimination of high costs associated with physical tags, among many other advantages and benefits. From the illustrative image

[017] In order to better understand the subject matter presented, the basic events can be visualized through the images that comprise it, in which: Figure 1 illustrates a purely illustrative diagram of the process's operation, which may involve devices, institutions, concessionaires, etc., any means of transport, and may utilize specific hardware and software. Figure 2 shows the graphic composition of the multifunctional digital vehicle card (Bl), providing information such as: vehicle model identification (Bla), license plate (Bib), active status (Blc), pending (Bid) or blocked (Ble) and the complementary menus of history (Blf), activate (Blg), details (Blh), delete (Bli), corporate space and / or Petition 870260020981, dated 06 / 03 / 2026, page 27 / 32 16 / 18 promotional (Blj), noting that such information is subject to alterations (by the inventor) in terms of content, menus and graphic representations according to the need or eventual updates of the process and the product now revealed. General characteristics of the process

[018] According to the attached diagram, analyzed in conjunction with the present description, the object of the patent application now revealed refers to a process for checking, validating and authorizing payments, and the resulting product, for mobility in general, on any type of road, transport and transit, including parking, complementary and support services, incorporating automatic payment authorizations via PIX, and with operations duly interconnected with all concessionaires, banking institutions, financial institutions and other necessary establishments directly or indirectly involved and participating in the process, where any means of transport is identified via the creation of a specific identifier plate or parameter according to the type of vehicle, whose digital channel of the banking, financial or IP institution acts with the digital card, allowing a unique dynamic where the data is validated by multiple factors before the banking institution,financial institution or IP address to receive payment authorization via PIX, whereby, Petition 870260020981, dated 06 / 03 / 2026, pages 28 / 32 17 / 18 The system's API performs the integration work between the parties involved, checking, validating, and authorizing data between all parties involved, for the subsequent release of mobility, all through a process that encompasses the following means and events: - Multifunctional digital vehicle card (Bl); - biometric registration (A); - (dashboard) control panel (B) with options and information such as: license plate registration, facial recognition, menus, status, promotions, among others; - promotional platform (C) with cash back, raffles, benefits, etc.; - bank account / PIX key (D) directed to the registration of the multifunctional vehicle digital card (Bl) and biometric personal registration (A), and with the following guidelines: without balance in the current account, the payment is not authorized and a Pix charge is sent via messages through any communication platforms (Dl); with balance in the account, the automatic payment via PIX is authorized (D2) and directed to the control panel of the concessionaires and transport companies (D3); - cameras / license plate readers (E), biometrics and various identification parameters, whose data capture is also sent to the control panel of the concessionaires and transport companies (D3); Petition 870260020981, dated 06 / 03 / 2026, pages 29 / 32 18 / 18 - banking, financial institution or IP (F), linked to the bank account / PIX key (D) and with the user's location through the data received, to the promotional platform (C) and with the process (G) of checking, validating data and authorizing payment, with the coordinates for sending data, information and payment confirmations, authorization of payment upon validation of data, infractions and disregard of payments if the data is invalid. Conclusion

[019] In conclusion, it is worth noting that regardless of the description and representation of the process revealed here, nothing prevents it from having its characteristics, layouts and technical capabilities altered, given the possibility of updating, version variations and even application in other areas, maintaining or even improving the performance achieved, logically without straying from the spirit and scope of what has been explained, thus resulting in a highly useful innovation that meets the essential requirements of novelty, inventive activity and industrial application necessary for the protection now requested. Petition 870260020981, dated 06 / 03 / 2026, pages 30 / 32

Claims

1 / 4 CLAIMS 1) - “PROCESS FOR CHECKING, VALIDATING AND AUTHORIZING PAYMENTS, AND PRODUCT OBTAINED”, characterized by consisting of a process comprised of validation, identification and operational release devices for mobility in general, on any type of roads, transport and transfers, also including parking, complementary and support services and many others. 2) - “PAYMENT CHECKING, VALIDATION AND AUTHORIZATION PROCESS, AND PRODUCT OBTAINED” according to claim 1, characterized by incorporating recurring and daily payment authorizations via PIX, and with operations duly interconnected with all concessionaires, banking institutions, financial institutions and other companies that are directly or indirectly involved and participating in the process. 3) - “PROCESS OF CHECKING, VALIDATING AND AUTHORIZING PAYMENTS, AND PRODUCT OBTAINED”, according to claim 1, characterized by any means of transport being identified via license plate reading, biometrics or specific identifier parameter according to the type of vehicle, whose digital channel of the banking, financial or IP institution acts with the digital Card, allowing a dynamic where the data is validated by multiple factors before the banking, financial or IP institution receives the payment authorization via PIX, with the system's API performing the integration work between the parties involved, carrying out the checking, validation and authorization of data between all those involved, for the consequent release of mobility. 4) - “PROCESS FOR CHECKING, VALIDATING AND AUTHORIZING PAYMENTS, AND PRODUCT OBTAINED”, according to claim 1, characterized by encompassing the following means and events: - biometric personal registration (A); - “card” multifunctional vehicle digital card (B1), with options and information such as: license plate registration, menus, status, promotions, among others; - promotional platform (C) with cash back, raffles and benefits; - bank account / PIX key (D) directed to the registration of the personal digital / vehicle card (B1), and with the following guidelines: no balance in the account, payment not authorized and with sending of Pix charge via messages through any communication platforms (D1); with balance in the account, payment via PIX is immediately authorized (D2) and directed to the current account and control panel of the concessionaires and companies in the mobility sector (D3); Petition 870250053088, dated 06 / 24 / 2025, page.26 / 41 3 / 4 - cameras / license plate readers (E), biometrics or any other data identification device, whose data capture is sent to the control panel (D3) of the concessionaires and companies in the mobility sector to be analyzed according to previously registered parameters, such as: locations, fares, pix key, etc., and subsequently sent to the identification, validation and authorization process (G); - banking, financial or IP institution (F), linked to your client's bank account with their PIX key (D) and with the location of that user, comparing the data received from process (G) with the registered data (A), banks may also offer promotions and benefits through the promotional platform (C) using the registered data (A) linked with the data received from the identification, data validation and payment authorization process (G), in this way this integrated data cross-referencing process allows users to pay mobility fees directly to concessionaires, using multifunctional digital cards, in addition to detecting infractions and pending issues. 5) - “PRODUCT OBTAINED FROM THE PAYMENT CHECKING, VALIDATION AND AUTHORIZATION PROCESS”, characterized by comprising a multifunctional digital vehicle card (B1), which can be created in an atemporal manner, Petition 870250053088, dated 06 / 24 / 2025, page 27 / 41 4 / 4, anywhere and on any occasion, with options and information such as: license plate registration, menus, status, promotions, among others, also allowing the generation of hyper-segmented benefits for users with promotional campaigns from the industry, retail and service sector, for predetermined periods. 6) - “PRODUCT OBTAINED FROM THE PAYMENT CHECKING, VALIDATION AND AUTHORIZATION PROCESS”, according to claim 5, characterized by the graphic composition of the multifunctional digital vehicle card (B1) containing information such as: vehicle model identification (B1a), license plate (B1b), active status (B1c), pending (B1d) or blocked (B1e), and the complementary menus of history (B1f), activate (B1g), details (B1h), delete (B1i), corporate and / or promotional space (B1j). Petition 870250053088, dated 06 / 24 / 2025, pp. 28 / 41

Images