Identification and payment solution

Abstract

The invention relates to methods for identifying a client and carrying out transactions when a client is paying the cost of goods or services on the premises of the provider. The system uses Bluetooth technology which allows a user and a seller to locate one another even if the user does not have Internet access and, because of the short range of action of Bluetooth, allows the seller to visually identify the client. In one embodiment of the method, a static Bluetooth of the seller is scanned and a client device is automatically connected thereto by means of a module of a central system, said module being installed in an application on the client device that was used by the client to register with the system; upon contact with the central system, the client is identified by the seller on the basis of client data saved in the system; the transaction is confirmed on the client device and the given amount is debited from the client's account. The technical result is that of providing for faster and more secure transactions without the use of extra equipment.

Description

[0001] RECOGNITION AND PAYMENT SOLUTION

[0002] Structure of the invention description

[0003] Field of invention

[0004] The invention relates to the field of recognizing mutual recognition by a user participating in a system and making payment orders by parties to the system.

[0005] International Patent Classification of Inventions indexes:

[0006] 3600128, 3600056 and 360057.

[0007] Level of innovation

[0008] Analogs and their disadvantages for card payments (with a card loaded (enrolled) into a phone): To pay and receive a refund, the customer must hold the phone within one centimeter of the POS terminal. The POS terminal, which reads the card data, sends the data to the appropriate center for verification and, after checking the card status and balance, sends a second request to the center to withdraw the corresponding funds. Upon completion of the payment request, the POS terminal prints a receipt. The disadvantage of this type of payment is that it can only be made using a card loaded with card information and a special POS terminal capable of reading this information. The phone must have internet access. QR scanning is a payment that a user can make by reading a static or dynamic QR code provided by a service center. After scanning the QR code, they request the amount for a service or product and send a request to their issuer (or another payment organization) to process the payment. The user's issuer sends confirmation of the payment to the Service Center. In both cases, payment identification codes are generated, and payments are made based on these codes. The disadvantages of this payment method are that it is inconvenient to use, and the user must open a mobile app and scan a QR code, which must be generated in advance by the merchant at the POS terminal. The phone must have internet access. Google Pay (the closest equivalent) involves installing a camera at the checkout counter that captures the customer's face, sends it to a centralized location for face recognition, then uses GPS to detect the presence of the customer's phone in the area and debits the funds from the customer's account. The downside of this payment method is the installation of a camera at each checkout and centralized facial authentication to verify the customer's face for each payment, which makes each transaction more expensive.

[0009] The essence of the invention.

[0010] The essence of the invention is that the central operating system, integrated with the systems of the seller's bank, the client's bank, the seller's own system, the central bank and international payment systems (if the transactions have the status of "international") in 24 / 7 mode, enables users to pay cashlessly for the cost of goods or services purchased by them in favor of their seller from THEIR accounts (including a current account, credit account, card account, electronic wallet, bonus account) linked to this system by the buyer expressing his desire to pay through this system and the seller launching on the screen of the equipment synthesized with the central operating system (including a POS terminal, computer, telephone) payment,By clicking on a specific icon of the given user-buyer, which will appear only upon the physical presence of the client with his phone within the range of the seller's Bluetooth channel and with or without confirmation (without confirmation up to a certain transaction amount and / or number of payment transactions and with confirmation after) on the part of the client, depending on the preliminary security settings of the client himself, or the client's bank, or the seller's bank, as well as a full or partial non-cash refund of the amount paid by the client to his account with confirmation from the seller through a specific module of the central system installed in the seller's software, as well as notification of the parties to the payment transaction, namely the client, the seller, the client's bank, the seller's bank and other participants in the transaction about the details of the particular payment transaction carried out.

[0011] The invention relates to the field of electronic implementation of monetary requests and their non-cash implementation in relations between the buyer and seller of a service or product.

[0012] The technical result that can be obtained from the invention is that:

[0013] 1. The method does not require the installation of additional equipment and the costs of installing expensive equipment, namely, any available equipment (including a service computer, telephone, and the PQS terminal itself) can be used to connect to the system.

[0014] 2. You can make a transaction from any account containing the relevant funds (including a current account, credit account, card account, e-money account, bonus account) and return the funds to be returned to the same account,

[0015] 3. The client can be informed about the result of the operation through all available channels,

[0016] 4. The system uses a two-factor method to determine the presence or absence of one or another at the seller, and thus can conveniently and without additional efforts conduct the transaction and minimize fraudulent transactions.

[0017] 5. The system can operate both within one country and in the international area,

[0018] 6. The client can immediately restore erroneous payments,

[0019] List of graphic materials.

[0020] The system implementing the proposed method is shown in Fig. 1.

[0021] The system includes automation of client-issuer-acquirer-supplier, processing center-central bank relationships, and enables 24 / 7 account information processing, payment and refund requests, payment processing, fund transfers, and deposits. Transactions within the system can be performed through any account.

[0022] The system can be used by any issuer connected to the service (bank, e-money institution, payment institution) by activating the service through the organization's electronic app and accepting the terms of use. To identify the client, the system uses the Bluetooth channel name of the client's mobile device, the client's GPS coordinates, the client's photo, and more advanced systems such as two-way authentication.

[0023] Data certifying the possibility of implementing the invention.

[0024] Once a customer enters the service provider's service area and receives the service, the following steps are performed;

[0025] 1. Recognition: a. The client's Bluetooth name is scanned in the background; or, using a module installed on the client's application on the device through which they registered, the service provider is scanned and located, and a Bluetooth connection and necessary data transfer are established through automatic recognition. b. The module on the client's phone searches for service providers, specifically, it scans Bluetooth names that are within the same GPS coordinate range as the client and sends an automatic connection request. The merchant's module verifies the client's identity on its side, and the client's module verifies the merchant's identity on its side. If the verification is successful, the modules connect via Bluetooth and exchange data for subsequent transactions.

[0026] 2. The central system performs the following checks: a. The presence of the client in the system, b. The presence of the service provider in the system, c. The location of the client and service provider within the area of ​​specific GPS coordinates.

[0027] 3. If the central system recognizes the client, it returns the following information to the service provider: a. Client's photo; b. Client's name; c. Client's status. 4. The service provider can additionally check the client by name and photo,

[0028] 5. The service provider, by pressing a specific button, sends the amount due to the client to the system to debit the client's account.

[0029] 6. The central system ensures the withdrawal of funds from the client’s balance.

[0030] 7. The central system sends information to the client and service provider about the write-off of funds or that there are no funds available for write-off in the account.

[0031] Note: If the customer cannot be verified using a GPS signal, then during the payment process the service provider's computer sends a connection request to the customer via Bluetooth (if such a connection has not already existed), and the central system communicates with the client application via a specially encrypted Bluetooth channel.

[0032] In order to protect the system from additional load and external interference, service provider write-off requests are suspended for 15 minutes (conditionally) in cases (there may be additions or changes) if:

[0033] 1. If customers reject payments and complain about requests from a particular merchant,

[0034] 2. If the client receives a write-off request while not on the service provider’s premises,

[0035] If the service provider's system is suspended 3 times (conditionally) under the above conditions, then sending requests through this channel is completely stopped and a special check is opened on this channel.

[0036] The system includes two main areas:

[0037] Payment service

[0038] In terms of payment services, when a client receives a service, they have the ability to make payments to the service provider from their accounts opened with any issuer connected to the Central System, 24 / 7. To make such payments, the client does not need to be in the service provider's presence and can make the payment remotely at the service provider's premises (for example, while seated at a restaurant). The payment process is as follows: 1. The client declares that they will pay using this system.

[0039] 2. The supplier clicks on the appropriate button,

[0040] 3. The service provider receives the client’s photo and name from the central system.

[0041] 4. The service provider sends the payment to the client’s account,

[0042] 5. If there are available funds in the account, the central system ensures the write-off,

[0043] 6. The system sends information about the write-off or shortage of funds to the client and the service provider,

[0044] The system receives information, processes it and informs the parties in the following sequence:

[0045] 1. Initial connection:

[0046] 1.1. The service provider sends (automatically sends) the client's name (Bluetooth name on his phone) to the central system through the appropriate channel,

[0047] 1.2. The module, integrated into the application on the client's device through which they registered in the system, scans service providers in the area using their GPS coordinates and, through automatic recognition, connects to them and transmits the information necessary for payment.

[0048] 2. The central system searches for the names (identification numbers) of the client and the service provider in its database (it takes the Bluetooth name of the client through the client application and records it in its database in advance),

[0049] 3. If the search result is positive, the Central System requests the GPS coordinates of the client’s phone through the application on the client’s phone,

[0050] 3.1 If the coordinates of the Service Provider in the central system and the coordinates received from the Client’s phone match, the Client’s presence in the given zone is confirmed.

[0051] 3.2. If it is impossible to obtain coordinates from the client's phone via the internet, the front-end module of the Central System, installed on the service provider's side, sends a Bluetooth connection request to the client's phone if a connection has not already been established. Once the client accepts this connection, the corresponding message exchange occurs over the Bluetooth channel.

[0052] 4. The central system then informs the service provider that the client is “one of its own.” 5. The service provider sends the fee for the service to the account of this client,

[0053] 6. The central system debits the payment from the account,

[0054] 7. It sends information about the write-off result to the client, its issuer, the merchant acquirer and the service provider.

[0055] 8. Makes the appropriate changes to the client’s balance,

[0056] Full or partial refund service

[0057] If a customer returns a purchased service or product, in whole or in part, they can refund these funds to their account. To do so, the service provider must confirm that the service or product has been returned and initiate the refund. Furthermore, if the service provider fails to meet the payment requirements during payment, the customer has the right to return these funds. The customer can submit a refund request from their application. Once the central system receives such a request, it sends a request to the merchant's account acquirer to freeze the corresponding funds in the service provider's account. The account acquirer initiates the appropriate investigation with the service provider and then approves or rejects the request through the appropriate central system extension.

Claims

Invention formula In the "recognition and payment solution" method, when a client pays for services or goods from a supplier, an autonomous and fully automated central operating system integrated with the systems of the client's account issuers, with the service provider's payment acquirer system, with international payment institutions (in the case of international payments), and with a central bank, by recognizing the client by his geolocation and the geolocation of the supplier, the client's Bluetooth data (as in the closest analogue by scanning the Bluetooth on the client's gadget using the central system module on the computer (or other service equipment) of the seller and / or by checking the dynamic GPS coordinates of the client and the static GPS coordinates of the seller: or by scanning the static Bluetooth name of the seller and automatically connecting to it, by the central system module installed in the application installed on the client's gadget through which he carried out registration,which is not available on the closest analogue) and recognition of the client by the supplier upon contact using a photo sent by the central system to the supplier, as well as in certain cases, namely depending on the security settings of the client himself or the system as a whole, with the client's confirmation on his phone (or other gadget), sends a request initiated by the supplier on a work computer or on a POS terminal for a cashless debit of a certain amount from the client's account (including from a current account, from a credit account, from an electronic wallet, from a bonus account, etc.) to pay for the cost of a particular product in favor of the supplier to the invoice issuer, as well as in the case of a full or partial return of goods or services, a refund of a certain amount to the client's account by initiating the amount from the client's account with the acquirer of this payment notifying the parties, namely the client, the service provider, the issuer of the client's account and the acquirer of the supplier's account through accepted notification channels, namely, via SMS,API and similar services differ from the closest analogue (Google Pay) in that 1) there is no requirement for additional recognition cameras, which requires additional costs and effort, and 2) the user module and the system participant module can securely connect and transfer the necessary data via a Bluetooth channel, automatically recognizing each other.

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