UA76349U - DATA PROCESSING SYSTEM IN PROVIDING SERVICES - Google Patents

Abstract

The service data processing system comprises, through communication channels, the goods / services payment terminals that are connected to the gas stations and / or partner servers, the processing center server containing the information storage and processing module , which is connected to gas station servers. Terminals for payment of goods / services are activated with the possibility of activating a payment card, the processing center server is connected to the automated banking systems of at least one payment bank, and the automated banking systems additionally contain a request processing module containing means for receiving a credit limit charge request payment cards, an accrual module containing means for converting the amount of fuel in liters to the equivalent amount of money and the deposit of a certain fuel to the balance of the accounts of the payment card holders, the module of the service of the payment card holders, which is made with the possibility of performing the transaction on replenishment of the accounts on the payment cards and accounting of accrued discounts and bonuses in the course of transactions of purchase of goods / services by means of payment for goods / services, and the module of the contract debiting of payment card account linked to the goods / services payment terminals.

Description

The useful model belongs to the conduct of non-cash financial transactions with the help of personalized and protected payment cards, or other means of payment, and can be used when paying for goods and services (with a discount, at the current or increased price) in any object of social infrastructure.

A system for receiving, storing and processing consumer loyalty data is known, RF Invention Application No. 2006110237, IPC 5060220/00, publ. 20.10.2007), containing at least one consumer mobile device with data storage facilities, one sales terminal at the point of sale at the point of sale with means of reading data from the consumer's mobile device, means and communication lines, it is also equipped with a processing center and settlement bank, while the consumer's mobile device has the means of storing and presenting the unique identifier of the consumer of the loyalty program and the means of exchanging data with the processing center, while the trading terminal has the means of entering the unique identifier of the consumer of the loyalty program and the means of exchanging data with the processing center, which has means of exchanging data with the mobile device of the consumer of the loyalty program, means of exchanging data with a trading terminal, means of exchanging data with a settlement bank, means of issuing benefits to the consumer of the loyalty program, subject to compliance with predefined conditions based on the profile of the registered consumer of the loyalty program, software data processing facilities, while the settlement bank is equipped with data exchange facilities with the processing center. The disadvantage of this system of receiving, storing and processing consumer loyalty data is that the consumer's mobile device, which contains the means of saving and presenting the unique identifier of the consumer of the loyalty program and the means of data exchange with the processing center, is a mobile phone, but the mobile phone can be lost , and it will take some time to restore the identifier, or you can simply forget the phone, that is, without it, the purchase of the product/service will no longer be possible. Also, a mobile phone, like any other device that works on rechargeable batteries, may, at the time of making a purchase, be discharged, and the purchase will not be completed.

A well-known system for paying for the services of gas stations using a mobile phone (Patent of the Russian Federation for a utility model Mo 59294, IPC 506020/00, publ. 10.12.2006 | containing a terminal for paying for gas station services, a mobile user communication terminal,

From the service center of the cellular operator connected to the user's mobile communication terminal, the gas station server connected by its first input/output to the service center of the cellular operator, and the second input/output to the payment terminal gas station services, the server of the processing center is connected to the third input/output of the gas station server, and the gas station service payment terminal is made with the possibility of its activation by the user's mobile communication terminal using a 5М5 or Ш55О request through the service center of the cellular operator connection to the gas station server, selection of the type and quantity of the service product and the initiation of the transaction for the purchase of the product/service, the gas station server is made with the possibility of transmitting a message via its third input/output of the server of the processing center for payment of the product/service, - transmitting a message via its first input/output of the user's mobile communication terminal ch erez the service center of the cellular operator, - transmission of the message on its second entrance/exit of the gas station payment terminal for the provision of goods/services. The disadvantage of this system is the use of a mobile phone to pay for gas station services. In addition, this system does not provide for the storage and processing of data for each user and the provision of credit services.

The useful model is based on the task of improving the data processing system for the provision of services, in which, due to the introduction of the proposed additional modules and the connections between them, an increase in the speed of data processing is ensured when calculating the credit limit for fuel or funds for the balance of the accounts of the owners of payment cards issued by

BO bank, for non-cash payment with a discount, at the current or increased price for goods/services.

The task is solved by the fact that the proposed system of data processing during the provision of services, which contains payment terminals for goods/services connected to each other by means of at least one communication channel, which are connected to gas station servers and/or partners' servers, a server processing center containing a module for storing information and processing data, which is connected by at least one communication channel with gas station servers, in which, according to a useful model, payment terminals for goods/services are made with the possibility of activation by a payment card, the server of the processing center connected to the automated banking systems of at least one settlement bank, and the 60 automated banking systems additionally include a request processing module containing means for receiving a request for charging a fuel credit limit from payment card holders, a charging module containing means for converting the amount of fuel into liters in an equivalent amount of money and a deposit adding specified fuel to the balance of accounts of payment card holders, a service module for payment card holders, which is made with the possibility of carrying out an operation to top up accounts on payment cards and accounting for accrued discounts and bonuses when carrying out transactions for the purchase of goods/services using payment terminals for goods/services, and a module for contractual debiting of funds from a payment card account, which is connected to terminals for payment of goods/services.

In addition, payment terminals for goods/services are installed at gas stations and/or at partner outlets that are connected to the server of the processing center.

The use of additional modules contained in automated banking systems in the proposed system ensures quick issuance of payment cards with a credit limit set at the request of their owners, which will be used in the future to purchase fuel at a discount or at the current price, as a result of which the owner of the payment card will to have a certain number of liters of fuel that he can use during a certain period of time, which allows him to avoid financial losses related to the increase in the price of fuel in the future.

In addition, the proposed technical solution ensures the participation of all users of the system in a single loyalty program, which gives them the opportunity to earn additional discounts and bonus charges on payment cards when making each payment at the payment terminals for goods/services in the system network and to spend earned bonus units within the system .

The proposed system works as follows.

The user of the system (hereinafter referred to as the client) applies either to the representative office of the processing center or to the branch of the partner banks or to gas stations or to the representative offices of the partners involved in the system, receives a payment card (unregistered or registered) and fills out a questionnaire (hereinafter the questionnaire) of a certain sample (in the questionnaire, mandatory and optional information will be indicated), where you indicate whether or not you wish to set a certain credit limit on your payment card. Next, data from the questionnaire, using the network

Internet (or other means of data transmission), undergo identification in the processing center, that is, it is determined whether this client is already registered in the database of the processing center or not. In the case of a new client, this data enters the module of information storage and data processing (MZIOD), where it is entered into the database and stored. This module (MZIOD) is connected with modules of automated banking systems (banks). All data stored in the MZIOD module are automatically stored in the databases of the banks that are involved in the operation of this system. Banks issue a payment card with a unique number to a registered client with a set or unset credit limit (the decision to set the amount and terms of the credit limit is taken by banks in accordance with their credit policy and analysis of the financial situation based on the client's documents, which are necessary for making a decision. List of required documents to set a credit limit, each bank determines itself, this list is pre-agreed with program participants and noted in the questionnaire) In the event of the bank's refusal to set a credit limit for a payment card, the client will have the opportunity to use a debit card.

Payment terminals for goods/services are installed at all gas stations or other retail outlets of program partners (for example, at service stations, car shops, insurance company offices), which are made in the form of POS terminals or other devices that are programmed with special software on a unique condition of the program for cards of partner banks, which provides the opportunity to transfer and process data as quickly as possible after making a payment transaction for the purchase of goods/services. These payment terminals for goods/services are connected to gas station servers and/or servers of program partners.

Replenishment of the payment card is carried out in the following ways.

If the client wants to receive a fuel credit limit for this card, he can send a 5M5 message to a specially allocated phone number in the processing center (the message indicates the volume of the desired fuel limit in liters and the type of fuel) or contact the operators of the program partners and indicate volume of desired fuel limit in liters and type of fuel. The request data is processed by a specially developed program of the MZIOD module of the processing center, which transmits the entered data in the form of a request for a fuel credit limit through communication channels to the request processing module of the partner bank. The tools of this module verify this client in the database and check the size of the established credit limit. In the case of a positive check, the data on the order of the fuel credit limit for a certain client is transferred to the billing module. The means of the billing module, using a special algorithm, convert the amount of fuel in liters into an equivalent amount of money (at the price for fuel on the day of the request) and the bank transfers the specified amount of money from the client's credit or own funds (through gas station servers) to the account of the gas station, which is displayed on the client's payment card (other certain conditions may be set for debiting credit funds for fuel, which will be declared in the terms of the program, as an example - the client must deposit his own funds to the card account in the amount of a certain percentage of the cost of fuel, after which the debit will be carried out , or other conditions are specified), deposit the specified amount of money to the client's payment card account. During a certain time, which is specified in the terms of the contract, the client purchases fuel through the partners' terminals at the price that was set on the day of obtaining the fuel credit limit. The price of fuel is fixed for the entire period (the period is determined by the terms of the program) and corresponds to the price of fuel at the time of receiving the fuel limit, this makes it possible to avoid financial losses associated with fuel price increases.

In addition, the banking module transmits all data on the provision of a credit limit through the communication channels of the MZYUD module of the processing center, where the data is stored. At the same time, the operator of the processing center sends the client a ZM5-message with the decision made, if the fuel credit limit is granted, the amount of fuel provided is indicated, if the bank refused to issue a credit limit, then the refusal status is indicated in the "-M5-message.

The client can top up the payment card at a branch of a partner bank or any other bank that serves this type of card. Such a payment (indicating the following data: card number, monetary amount, currency) is processed by the service module of the bank's payment card owners, whose means carry out the operation of replenishing the card account.

All data on purchases of goods/services made using the system's terminals are entered into the banking module for contractual debiting of funds from the customer's payment card account, where the amount spent is debited and saved. In addition, this module debits funds from the client's account in the cases stipulated by the contract (it can be interest for the provided credit limit, payment according to the insurance contract, etc.).

In the proposed system, all partners (gas stations, service stations, and others) are involved in the loyalty program. That is, for making all purchases through

Certain bonuses are accrued from the terminals installed in the trading points of the partners (each partner chooses the amount of the bonus accrual), and all data on the purchase of goods/services made using the terminals of the system are entered into the banking module for the service of payment card owners, means which keeps track of accrued and spent bonuses.

The use of the proposed system allows you to significantly reduce the time it takes to obtain a payment card with the subsequent crediting of your own funds or credit limit for fuel or other goods and services to its balance. This system is an effective tool for making electronic payments in real time using a payment card and with the possibility of accruing bonuses for completed payment transactions. These advantages are achieved thanks to the defined specific parameters of the program, namely: the minimum and maximum size of the fuel limit, the term and cost of use, the grace period, the minimum package of documents from the client and others.

Claims (2)

USEFUL MODEL FORMULA 1. The data processing system for the provision of services, which contains payment terminals for goods/services connected to each other by means of at least one communication channel, which are connected to gas station servers and/or partners' servers, the server of the processing center, which contains the information storage and data processing module, which is connected by at least one communication channel with gas station servers, which differs in that the terminals for payment of goods/services are made with the possibility of activation by a payment card, the server of the processing center is connected with automated banking systems at least one settlement bank, and the automated banking systems additionally contain a request processing module containing means for receiving a request for calculating the fuel credit limit from payment card holders, a calculation module containing means for converting the amount of fuel in liters into an equivalent monetary amount and depositing the specified fuel to the balance of the accounts of the fee holders payment cards, a service module for payment card owners, which is made with the possibility of carrying out an operation to top up accounts on payment cards and accounting for accrued discounts and bonuses when carrying out transactions for the purchase of goods/services using payment terminals for goods/services, and a module for contractual debiting of payment funds from the account card, which is connected to terminals for payment of goods/services. 2. The system according to claim 1, which differs in that the terminals for payment of goods/services are installed at gas stations and/or at trading points of partners, which are connected to the server of the processing center.