RU2644061C1 - Method of payment of goods and/or services using the personal buyer's device - Google Patents

Abstract

FIELD: process automation devices.

SUBSTANCE: invention relates to method for automating and optimizing payment for goods or services. In the method, using buyer’s personal device, data on the amount of the money amount corresponding to the payment of goods or services are entered, data is transmitted to a remote communication server, the identification of the buyer's personal data and verification of the balance of its means of payment are generated by means of a remote communication server, signal transmission to the acquirer's server for payment of goods or services, while with insufficient funds on the buyer's means of payment, using a remote communication server, deficient amount of money for making a payment is determined, request to the issuer of the buyer's means of payment for the provision of personal data of the buyer, credit history and history of payment transactions is sent and formed on the base of the information received from the issuer, buyer’s data for the possibility of automatically providing the specified buyer with the missing amount from external credit servers is processed, all possible options for automatic attraction of funds from external credit servers are sorted out, of which the minimum loan rate is chosen.

EFFECT: technical effect: automation of the payment of goods and services.

4 cl, 2 dwg

Description

FIELD OF THE INVENTION

This invention relates to methods intended for commercial, financial, purposes, and more particularly to methods of payment for goods and / or services using a personal device of a buyer, in which data on the amount of money corresponding to payment of goods and / or services, transfer data to a remote communication server through a unified network, and by means of a remote communication server, identify the personal data of the buyer check the balance of his money funds make remote communication server means the signal transmission to the server of the acquirer to pay for goods and / or services, and can be used to pay for goods and / or services for insufficient funds.

The following terms are used in this description:

Server (eng. Server) - an electronic device that performs service functions at the request of the client, giving him access to certain resources. For the purposes of this description, a server is considered having a permanent connection to a federated network that can transmit data to the server from client devices. The server can process this data and transfer the processing result back to the client device.

The unified network, as well as all connections between all modules and blocks, include various topologies, configurations, and layouts of the components of the interconnect, configured to interconnect corporate, global, and local area networks, and include, without limitation, traditional wired, Wireless, satellite, optical and equivalent network technologies. Advantageously, the Internet is typically used as an integrated network.

A customer’s personal device is any form of computing platform that connects to a network, such as an integrated network, and allows interaction with application programs. Typical examples of individual client devices include, but are not limited to, stationary and portable personal computers, smart cell phones (in English, a smartphone), laptop computers, including tablet computers, lightweight clients, workstations, and non-smart terminals connected to application server, as well as their various layouts and configurations, that is, both physical devices for interacting in communication interaction systems, and virtual devices Properties implemented on programmable computer devices and having a software interface for the implementation of communication functions. Mostly, this is a smartphone (smart phone, that is, a cell phone that includes the functions of a computer device) that has a touch screen or tablet computer, and similar devices - smart watches, glasses, etc. It is understood that such devices are portable in nature, allowing them to be carried with them.

The issuer is a remote server that allows connection to it through an integrated network, processes requests and issues answers to them automatically, on which there is a database with customer’s personal payment details. A typical example is any bank server that issues (issues) payment cards, or any payment service that has a connection to a bank server. Examples of such an option for issuers are PayPal (PayPal), the CardsMobile wallet mobile application (CardsMobile), or Apple Pay (Apple Pay). That is, in general, this is an organization that stores the full payment details of the buyer (usually a bank card). This can be in two cases:

- either the organization itself issued this card (the bank that serves this or that card, where the account of this card is located, is always one bank for each particular card), or

- the organization somehow received them for its own use (for example, the buyer himself transmitted the data once, but there are other options for receiving payment details of payment cards, including from the banks that issue them). In the second case, it may be some kind of third-party service.

An acquirer is a remote server that allows you to connect to it through an integrated network, processes requests and issues answers to them automatically, on which there is a module for generating requests for debiting funds from a customer’s account. That is, it is any server that performs the function of making a payment. A typical example is any bank server that has the function of debiting funds from the buyer's account.

Means of payment - any of the means used for payment, cash account, virtual money and so on.

Buyer payment details - bank details of the buyer’s personal account from which funds or their equivalents can be debited to pay for goods and / or services, for example:

- a current account with a bank or other credit institution, for example, a debit or credit card account,

- an account in an electronic payment system, for example Yandex money,

- an account with a telecom operator when payment is made by sending SMS messages,

- an internal account on the server when an advance payment is made for some services, which is taken into account in your personal account, for example, in hosting services.

State of the art

Currently, non-cash payments are becoming more and more popular among individuals who have more and more types of means of payment to pay for goods or services. This can be a bank card, and various virtual money, access to the management of which is carried out using personal client devices.

As more and more payments are made for goods and / or services using the personal device of the buyer, more and more often there are situations when there is not enough money on the means of payment, for example, on a bank card. The disadvantage is that in such a situation it is impossible to make a payment. And this can be a payment with a validity period, for example, payment on a coupon, or it can be payment by a ticket that is reserved for a certain time. To solve this problem, the buyer has to ask someone to replenish his means of payment or to go to a place where he can transfer funds, for example, to go to an ATM. At the same time, an ATM can be installed in an organization that does not work 24 hours a day, and also has days off.

A known method of payment for goods and / or services using a personal device of the buyer, in which: enter using the personal device of the buyer data on the amount of money corresponding to the payment of goods and / or services, transfer data to a remote communication server through an integrated network, produced by remote the communication server, the identification of the personal data of the buyer and checking the balance of his means of payment Achu signal to the acquirer server to pay for goods and / or services. Such a method is described in the patent application of the Russian Federation for invention No. 2015101566, published on 08/10/2016.

This method is the closest in technical essence and the achieved technical result and is selected for the prototype of the invention.

The disadvantage of this prototype is the inconvenience of the method of payment for goods and / or services using the personal device of the buyer in a situation where the buyer does not have enough money on the means of payment tied to his personal device. Indeed, with non-cash payment for a product or service, for example, on the Internet on some website, by a buyer who has his own personal device of the buyer, such as a smartphone, it is possible to replenish the balance without leaving your home only if you contact via an integrated network (usually the Internet) to servers that provide the ability to provide cash on credit. In this description, such servers are called credit. When connecting to them, you must enter some data about the client, usually this is the last name, first name, patronymic, passport data, registration address, and means of payment. After processing such data, a client can be transferred to his means of payment some amount at a certain known percentage. But for this, the buyer, he is also a client of the credit server, must independently enter all the data. In the event of a failure, he must connect to another credit server and re-enter everything. At the same time, of course, there is no possibility of choosing the optimal conditions for granting a loan, and all this takes time, which makes it difficult to make, possibly, an urgent payment.

Therefore, the problem to which the present invention is directed is the ability to automate and optimize the payment process in the case of payment for goods and / or services in case of insufficient cash funds of the buyer.

Disclosure of invention

Based on this original observation, the present invention mainly aims to propose a method of paying for goods and / or services using a customer’s personal device, which allows at least to smooth out at least one of the above disadvantages, namely, to enable the automatic transmission of signals, relevant data about the buyer to external credit servers in case of payment for goods and / or services in case of insufficient funds of the buyer, which is the set technical Adachi present invention.

To achieve this goal, the method will additionally restrain the stages in which, if there is insufficient funds on the means of payment of the buyer to pay for goods and / or services:

• determine the amount of the missing amount for the payment,

• send the first request to the issuer of the buyer’s means of payment for the provision of personal data of the buyer, credit history and history of payment transactions,

• form on the basis of information received from the issuer a database of the specified buyer,

• process data on the specified buyer for sufficiency and the ability to automatically provide the specified buyer with the missing amount from external credit servers,

• sort out all possible options for automatically raising funds from external credit servers, from which the minimum loan rate is selected.

Thanks to these advantageous characteristics, it becomes possible to pay for goods and / or services in an automatic mode, even in a situation where the buyer does not have enough money on the means of payment. The remote communication server automatically goes through all the possible options that it receives from external credit servers. For a known amount that is not enough to pay for goods, the communication server can choose from all the offers those that offer the issuance of funds in this amount, the most optimal at the credit rate. Moreover, in order to ensure a minimum loan rate for borrowed funds, the remote communication server automatically collects the necessary information with which money can be raised at a lower rate. First of all, this is the data that the remote communication server collects automatically from the issuer's server, as this data contains information about the credit history and the history of payment transactions of the buyer. It is this data that can be transferred to external credit servers.

There is also an embodiment of the invention in which second requests are sent to additional external servers, which may contain additional information about the buyer, collect additional data about the buyer, enter them into the database for the specified buyer, and reprocess the data for the specified buyer.

Thanks to these advantageous characteristics, it becomes possible to transfer additional information to external credit servers, which can be obtained from official external servers containing, for example, state registries. By the name of the buyer, you can request the availability of such data as: whether such a buyer is registered as an individual entrepreneur, for how long, whether he is the founder of an organization, how many, how long, what size of the registered capital of such organizations, what share the buyer has in authorized capital of such organizations, whether he is the general director of such organizations. All these data can be requested automatically and transferred to external credit servers. It is clear that, according to additional information, such external credit servers may provide a reduced lending rate. Obviously, a client about whom there is no information about his purchase history, about his guarantors and a client who is the founder of a large company (that is, a penalty may be imposed) can be treated differently and offer different conditions.

There is also a variant of the invention in which third requests are sent to external servers corresponding to social networks containing information about the list of contacts of the buyer, and they process the credit history and payment history of the contacts of the buyer, a list of which is formed from the list of contacts in his personal device and his list of contacts in social networks.

Thanks to these advantageous characteristics, it becomes possible to transfer additional information to external credit servers, which can now be obtained from processing data through his contacts. That is, his friends with whom he communicates or calls up can be used as potential guarantors, and the more you know about their credit history or the history of their purchases, the more information can be extracted about the possibility of providing a buyer with a larger credit limit at a lower percentage. During the use of the proposed invention, an increasing number of people will be in the database, respectively, for such people all the necessary information will be available, it will not need to be specifically requested from anywhere.

There is another embodiment of the invention in which a signal is sent to the personal device of the buyer, corresponding to information about the size and conditions of the loan.

Thanks to these advantageous characteristics, it becomes possible to transfer data to the customer’s personal device regarding information about the size and conditions for granting him a loan.

The set of essential features of the invention is unknown from the prior art for methods of similar purpose, which allows us to conclude that the criterion of "novelty" for the invention in relation to the method. The non-obviousness of the solution and the global nature of the problem being solved, which still remained unresolved, speaks of the non-obviousness of the solution for a person skilled in the art and, thus, the compliance of the invention with the criterion of "inventive step".

Brief Description of the Drawings

Other distinctive features and advantages of the present invention clearly follow from the description below for illustration and not being restrictive, with reference to the accompanying drawings, in which:

- FIG. 1 depicts a functional diagram based on a method of paying for goods and / or services using a personal device of a buyer, according to the invention,

- FIG. 2 schematically depicts the steps of a method of paying for goods and / or services using a customer’s personal device according to the invention.

According to FIG. 1, the personal device of the buyer 1 is connected via an integrated network 2 to a remote communication server 3, which can be connected to the server 4 of the acquirer, the issuer 5 of the payment instrument of the buyer.

The remote communication server 3 has a database 31 of a specified customer.

The remote communication server 3 may send second requests to additional external servers 6, which may contain additional customer information.

The remote communication server 3 can send third requests to external servers 7, corresponding to social networks containing information about the customer’s contact list, and processes the credit history and payment history of the customer’s contacts, the list of which is formed from the list of contacts in his personal device and the list of his contacts in social networks. Thus, on the remote communication server 3 there may be a database of 32 customer contacts and a database of 33 offers of instant automatic loans from external credit servers 8. It is due to the structuring of data in database 33 that it becomes possible to determine the most optimal offer, for example, having lowest credit rate.

The implementation of the invention

The method of payment for goods and / or services using the personal device of the buyer works as follows. Here is the most comprehensive example of the invention. Keeping in mind that this example does not limit the application of the invention.

According to FIG. 2:

Stage A1. Enter using the personal device of the buyer 1 data on the amount of money corresponding to the payment of goods and / or services. This can happen both manually and automatically when paying for goods and / or services, for example, using the seller’s cash register.

Stage A2. The data is transmitted to the remote communication server 3 through the integrated network 2.

Stage A3. The means of the remote communication server 3 are used to identify the personal data of the buyer and check the balance of his means of payment, which is tied to his personal device. For example, a bank card with which payments are automatically debited.

Stage A4. If there is insufficient funds on the means of payment of the buyer to pay for goods and / or services, determine the amount of the missing amount for the payment.

Stage A5. The first request is sent to the issuer of the buyer’s means of payment for the provision of personal data of the buyer, credit history and history of payment transactions, that is, they send a signal to the issuer’s server 5.

Stage A6. Form on the basis of information received from the issuer a database of the specified buyer 31.

Stage A7. They process the data for the specified buyer for sufficiency and the ability to automatically provide the specified buyer with the missing amount from external credit servers 8, data about which is already in the database 33.

Stage A8. Sorting out all possible options for automatically attracting funds from external credit servers 8, from which the minimum loan rate is selected.

Stage A9. Submit second requests to additional external servers 6, which may contain additional information about the buyer, collect additional data about the buyer, enter them into the database 31 for the specified buyer and re-process the data for the specified buyer.

Stage A10. Third requests are sent to external servers 7 corresponding to social networks containing information about the list of contacts of the buyer, and they process the credit history and payment history of the contacts of the buyer, a list of which is formed from the list of contacts in his personal device and the list of his contacts in social networks.

Stage A11. All collected information is transmitted to external credit servers 8, where by the data set about the buyer it becomes possible to judge his credit history, even if there is no information on it.

That is, an example of the collection of such data can be that they collect data by phone number, then use passport data, try to find out the place of work, TIN. The payment history and other data show where the buyer lives, what he spends on, the structure of checks, etc. is visible.

As the data accumulates, the buyer increases the limit of the loan and the loan rate decreases, while the number of external credit servers that are ready to provide him with borrowed funds expands.

Data on the buyer’s contacts can be used for indirect analysis, they can form the background for automatic decision-making on the conditions for the provision of borrowed funds to the buyer.

Stage A12. Produce by means of a remote communication server 3 transmit a signal to the server 4 of the acquirer to pay for goods and / or services,

Stage A13. Send a signal to the personal device 1 of the buyer, corresponding to information about the size and conditions of the loan.

In general, it is possible to provide the missing amount by various means, such as:

- a microloan;

- issue a card with a limit;

- provide funds to the card with or without restriction;

- make payment by the bank directly to the seller.

The sequence of steps is approximate and allows you to rearrange, reduce, add or perform some operations at the same time without losing the ability to pay for goods and / or services using the personal device of the buyer in case of insufficient funds on the means of payment of the buyer. That is, any sample of the indicated individual verification steps can be implemented, that is, the steps can be used simultaneously, individually, or in any combination with each other.

Industrial applicability

The proposed method of payment for goods and / or services using a personal device of the buyer can be carried out by a specialist in practice and, when implemented, ensure the implementation of the declared purpose, which allows us to conclude that the criterion of "industrial applicability" for the invention is met.

In accordance with the proposed invention, an experimental system of payment for goods and / or services using a personal device of the buyer is manufactured, that is, servers are tested that are capable of processing all data.

Tests of the experimental system have shown that it provides the ability to:

- automatic determination of the amount of the missing amount for the payment,

- automatic sending of the first request to the issuer of the buyer’s means of payment for the provision of personal data of the buyer, credit history and history of payment transactions,

- forming on the basis of information received from the issuer a database of the specified buyer,

- processing data for the specified buyer for sufficiency and the possibility of automatically providing the specified buyer with the missing amount from external credit servers,

- enumeration of all possible options for automatically attracting funds from external credit servers, from which the minimum loan rate is selected.

Thus, in this invention, the goal is achieved - to enable automatic transmission of signals corresponding to customer data to external credit servers in case of payment for goods and / or services in case of insufficient funds of the buyer.

An additional useful technical result of the claimed invention is that:

- The process of interaction with a potential lender is simplified for the buyer. Of all the proposals accepted for his attempt to buy something on credit, the most advantageous offer for the buyer is automatically selected (or this choice may be provided to the buyer in the form of understandable conditions: “it is more profitable if you give it back within 30 days, and then it is more profitable if it is planned to repay the loan in installments ”). The names of credit organizations to the buyer can not be transferred at the same time;

- approved money is used for its intended purpose (the purchase is paid in three ways: through settlements of a particular bank / MFI (microfinance institution) with a specific seller, or to receive money from this bank / MFI for settlements with a specific seller, or by replenishing a buyer's bank card at the expense of specific funds bank / MFI with immediate write-off of this amount for the purposes of settlements with the seller);

- Due to the constant replenishment of the database, Big data is formed - an array of data for processing, statistics and decision making.

The communication server will contain more information than each individual bank or MFI, in addition to the traditional BKI (Bureau of Credit Histories) and socio-demographic characteristics. This is information about how much individual buyers and all of them together receive, how much they spend, what they spend on, where they often visit by geolocation, when, what and on what terms they have already received loans (and how they returned).

Claims (14)

1. A way to automate and optimize the process of payment for goods and / or services, in which: - enter using the personal device of the buyer data on the amount of the amount of money corresponding to the payment of goods and / or services, - transmit data to a remote communication server through an integrated network, - by means of a remote communication server, the identification of the personal data of the buyer and verification of the balance of his means of payment, - transmit via a remote communication server a signal to the acquirer server to pay for goods and / or services, characterized in that the method further restrains the steps in which if there is insufficient funds on the means of payment of the buyer to pay for the goods and / or services: - determine by means of a remote communication server the size of the missing amount for the payment, - send by means of a remote communication server the first request to the issuer of the buyer’s means of payment for the provision of personal data of the buyer, credit history and history of payment transactions, - form by means of a remote communication server on the basis of information received from the issuer a database of the specified buyer, - process by means of a remote communication server the data for the specified buyer for sufficiency and the ability to automatically provide the specified buyer with the missing amount from external credit servers, - sort through the means of a remote communication server all possible options for automatically attracting funds from external credit servers, from which the minimum loan rate is selected. 2. The method according to p. 1, characterized in that they send the second requests to additional external servers, which may contain additional information about the buyer, by means of the remote communication server, collect additional data about the buyer, enter them into the database for the specified buyer, and reprocess the data at the specified buyer. 3. The method according to p. 1, characterized in that they send third requests via remote communication server to external servers corresponding to social networks containing information about the list of contacts of the buyer, and process the credit history and payment history of the contacts of the buyer, a list of which is formed from the list contacts in his personal device and a list of his contacts on social networks. 4. The method according to p. 1, characterized in that they send a signal to the customer’s personal device by means of the remote communication server, which corresponds to information about the size and conditions of the loan.

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