WO2021040505A1 - Anti-fraud digital wallet promotion system - Google Patents

Abstract

The invention relates to an anti-fraud system, based on a combination of devices (unique personalised codes, UCI, digital customer device, ACH), computer control processes, a mobile payment system (digital wallet) and an electronic communication system (ECS), which are all intended to accept or refuse the allocation, as a commercial promotion, to the customer's digital wallet, of all or part of the purchase price of a product purchased by the customer, or payment of a reward bonus independent of the price of the product, on the basis of the entry by this customer into the ECS of the unique code included in the packaging of the purchased product. The aim of said anti-fraud system is to guarantee the Brand that the digital wallet promotion attributed corresponds to the purchase of a product eligible for the promotion, and to limit misuse, fraud and misappropriation of the promotion. After the customer has entered the unique code into the ECS to benefit from the allocation of the digital wallet promotion, the system automatically analyses, upon identifying the customer, the validity criteria of the unique code and the criteria for triggering payment, and this is done by processing the parameters relating to the unique code, the UCI and the digital wallet promotion campaign which exist in the ACH and which have been introduced in advance or generated by the ACH.

Description

Anti-Fraud Promotion e-wallet system

DESCRIPTION OF THE INVENTION

For greater clarity the terms used in the document are defined and explained below.

Definition 1: By “e-wallet promotion” we mean a reimbursement process by a Brand to its client, via a Clearing House, of all or part of the purchase price of a product, or of payment of an independent reward premium. the price of the product and this on the basis of a Unique Code.

Definition 2: By "Unique Code" is meant a numerical or alphanumeric or alphabetical code which can be materialized in different forms, for example: series of numbers and / or letters, bar code, 2D code ... and relating to a product subject of an e-wallet Promotion campaign.

Definition 3: By "Brand" is meant any company which manufactures and / or markets its products directly to customers or through a distribution network.

Definition 4: By “Product”, we mean the product or the combination of products on which the Brand has decided to conduct an e-wallet Promotion campaign.

Definition 5: By "Clearing House IT System", or "SICH", we mean all the IT resources, hardware, and software implemented by the Clearing House to process the customer's e-waflet Promotion transactions, which these resources are specific to the Clearing House or delegated to an external IT system, managed or not by an external provider of the Clearing House, and which communicates with the

SCE.

Definition 6: By "Clearing House" we mean any organization or company, which could be the Brand itself, which deals with the aim of granting an e-wallet promotion, totally or partially, on behalf of the brands, and this whatever its main functions:

Generation of the list of Unique Codes to be inserted by the brand in the packaging of its products Identification of the Customer and his GSM number and the possible blocking of responses from the Clearing House on the SCE for abuse of use The device for checking the validity of the Unique Code

The mechanism for triggering payment on the e-wallet from an accumulated balance

Payment to customers, on their e-wallet, of amounts due to them within the framework of e-wallet Promotion campaigns

Compensation of financial flows between the Brands and the beneficiaries of the e-wallet Promotion

Commercial and financial reporting to Brands on their e-wallet Promotion campaigns.

Definition 7: By "Customer" is meant any purchaser of the product which is the subject of the e-wallet promotion campaign, whether he is an end user of the product or a wholesaler or retailer and whom the Brand wishes to motivate for the purchase of the product or the product. combination of products eligible for the e-wallet Promotion.

Definition 8: By "Electronic Communication System" or "ECS" is meant any communication system allowing instantaneous or almost instantaneous written, visual or verbal communication between the client and the Clearing House. This can be for example, and without this being limiting, WhatsApp, Messenger, a website or a Progressive Web App (PWA), or any communication application by electronic messages on the customer's digital medium.

Definition 9: By "Unique Customer Identifier" or "UCI" is meant any numerical or alphanumeric or alphabetical code allowing the customer to be uniquely identified in the SCE for the purposes of the "Anti-fraud Promotion e-wallet system".

Definition 10: By e-wallet is meant any electronic wallet on a mobile payment system on the customer's digital medium operated by any body approved for this: banks, operators or payment institution or similar, whether under its trade name, or under another name.

Definition 11: By digital customer support is meant any electronic device (phone, tablet, computer ...) or combination of electronic devices allowing the customer to access an ECS and a mobile payment system.

Definition 12: By entry on the SCE is meant either a manual entry or a scan by a digital support of the customer.

Definition 13: By "Single Code validity criteria" we mean the following criteria:

Existence of the Unique Code in the SICH,

Parameter S2 of the Unique Code Tl equal to "not used",

Date of sending of the Unique Code located between the start date and the end date of the campaign (parameter M2).

Definition 14: “Validity of e-wallet Promotion release” means, once the unique Code has been validated, that the S6 Customer cumulative balance has reached or exceeded the M4 trigger threshold.

STATE OF PLAY

- Technical and commercial context of the invention of the Anti-Fraud Promotion e-wallet system:

The e-wallet Anti-Fraud Promotion System is intended to be implemented in particular, but not exclusively, on consumer products to process all transactions involving Unique Codes and Promotion via dematerialized e-wallet, while controlling promotion fraud, abuse and misappropriation.

- Problem:

The implementation by this invention of a set of devices (automatic unique identification of the customer as well as of the purchased product, verification of the validity of the Unique Code, verification of commercial criteria) makes it possible to avoid a high level of fraud, extend the field of application, and bring to the Brands a lot of flexibility in the use of this promotional tool and that with low transaction costs.

These benefits are particularly critical for Brands that initiate promotions due to the sensitivity of matters related to the granting of monetary amounts or promotional products with monetary value. Solving these problems is a very important factor in allowing the dematerialized promotion system to develop fully. - State of the prior art:

The current Promotion methods are all based on manual processing of the Promotion in a decentralized physical network (for example, service agencies or point of sale) without a dematerialized e-wallet Promotion system or fraud control system, abuse and diversion of promotion and have the following disadvantages: a- For the customer:

- the absence of immediacy or quasi-instantaneity of the e-wallet Promotion, which is a determining factor of commercial success

- The customer must move in a physical network to withdraw his e-wallet Promotion (weak territorial coverage of acceptance) b- For Brands:

- No information on customer usage

- Cost of withdrawal from the physical network is high, so the number of winners is limited, which severely restricts the use of the e-wallet Promotion on consumer products with low unit value.

- No control of the massive use of codes (which prevents control and limit abuse)

- Poor territorial coverage of the promotion.

- Does not allow pooling (i.e. triggering an e-wallet Promotion from a certain quantity (or value) of unique codes and therefore of purchase (or dirhams spent) by the customer) c- For all stakeholders:

The hazard of processing in a decentralized physical network, in particular manual processing by staff who are not always fully trained.

- Technical solution object of the invention: an Anti-Fraud Promotion e-wallet system:

The present invention relates to an anti-fraud system for granting an e-wallet Promotion carried by a Unique Code, in a dematerialized manner, therefore without moving the customer.

The e-wallet Anti-Fraud Promotion System is made up of:

• A set of processes operated through the SICH:

A process of generating Unique Codes and communicating these codes to the Brand.

A process for identifying the customer's UCI as well as the e-wallet Promotion campaign code

A process for identifying the customer's GSM number

A process verifying the non-blocking of the IUC for the e-wallet Promotion campaign.

A process for verifying the validity of the Unique Code sent by the customer A process for accumulating the value of the Unique Code in the "cumulative balance"

A process for triggering payment of the amount of the Promotion and credit on the e-wallet linked to the Customer's mobile number.

• A physical process operated by the Brand, consisting in physically integrating each Unique Code into a package of each product eligible for the promotion, prior to the start date of the e-wallet Promotion campaign. Each Unique Code is inserted by the Brand in the product packaging so that the customer cannot discover it without destroying the packaging (and therefore buying the product, or making it unsaleable).

This System makes it possible, by the combination of physical means, IT equipment and several IT processes based on Validity Criteria defined by the Brand and by the Clearing House, to resolve problems related to fraud, misappropriation of promotions or misuse of the Unique Codes. A list of Unique Codes is generated by the Clearing House and is communicated to the Brand for integration of each Unique Code in the packaging of each product eligible for the promotion, prior to the start date of the e-wallet Promotion campaign, and this by inserting them into the product packaging so that the customer cannot discover it without opening the packaging and therefore buying the product, or making it unsaleable. Each Unique Code is associated with a Brand promotion campaign which determines a product or a combination of products determined to be purchased by the customer to benefit from the promotion and a monetary value of the e-wallet Promotion and, in accordance with the Clearing House, a number of criteria to be met to benefit from the e-wallet Promotion.

To this end, the Brand and the Clearing House jointly define the Criteria for the validity of the Unique Codes relating to the e-wallet Promotion campaign that the Brand wishes to carry out on its products and which are implemented on the SICH.

According to figures 1 and 2, these codes, found by the customer after purchase in the packaging of the product purchased, are entered by the customer who purchased the product from his digital medium and sent to the Clearing House via the Communication System. Electronics (SCE). This SCE is used both to communicate with the customer and to identify him uniquely through his IUC (Unique Customer Identifier), defined by the SCE used (for example the GSM number for WhatsApp) or by the number of identification of the digital customer support or by entering the GSM number on the SCE by the customer. This UCI makes it possible to identify the customer in an almost unique way and therefore to control the problems of fraud and misappropriation of the promotion, as well as to give more possibilities for the Brand to define the level of the promotion per customer.

According to figures 1 and 2, if these Unique Codes meet the criteria managed by the Clearing House, they give the right to payment to the client by the Clearing House, on behalf of the Brand, of the amount of the promotion linked to the Code. Single entered by the customer on the SCE, this payment being made electronically on the customer's e-wallet.

The process leading to the payment of the promotion on the customer's e-wallet is expressed in dirhams. An alternative consists in expressing the value of a Unique Code in points, and reaching a level of points would then trigger the payment of the Promotion on the e-wallet of the IUC concerned on the basis of a value in dirhams of the predetermined point and the amount in points of parameter S6 “cumulative balance”.

- Objectives and advantages of the “Anti-fraud Promotion e-wallet system”, compared to the prior art:

> Ensure the Brand that each reimbursement corresponds to a product eligible for the promotion sold. This result is obtained by the Unique Code,

> Limit the number of e-wallet Promotions from which a given customer can benefit to allow the Brand to reach the greatest number of customers and limit use by retailers and wholesalers if necessary.

> Ensure that promotions intended for the end consumer cannot be picked up by merchants. Likewise, the system ensures that promotions intended for the merchant are not picked up by any other party and limits abuse of use and fraud. This result is obtained by the Unique Code contained in the packaging intended for the beneficiary of the promotion and by the limitation at SICH level of the number of e-wallet Promotions by IUC.

> Automate, simplify, streamline and make processing more reliable while avoiding data entry errors and the risks involved in the intervention of physical network personnel. > Fast and secure reimbursement, without requiring the customer to travel to a physical location to benefit from it

> Significantly reduce the cost of carrying out e-wallet promotions, and in particular the cost of the payment transaction, which makes it possible to increase their distribution and also to carry out economically e-wallet promotions on small amounts and therefore on consumer products.

> Allow, according to the wishes of the Brand, to pool.

The electronic processing of transactions, the use of a Unique Code inside the product packaging and the logging of uses by IUC make it possible to ensure that the promotion benefits the targeted beneficiary, and to transmit to him securely the amount of his promotion (namely the amount of the e-waltet Promotion). It is therefore a fundamental advance in terms of promotion systems.

STATEMENT OF THE EMBODIMENT

- Creation of the Unique Codes file in the SICH:

For each e-wallet Promotion campaign launched by a Brand, the Clearing House defines a list of Unique Codes that it communicates to the Brand for integration into the packaging of its product and that the Clearing House, prior to the start date of the e-wallet Promotion campaign integrates into its SICH for verification of the validity of the Unique Code and for the Management of the e-wallet Promotion towards the Customer.

The CAMPAIGN TECHNICAL PARAMETERS are defined by the Clearing House for each e-wallet Promotion campaign. These parameters concern the Unique Code which is the heart of the system, and the campaign code which identifies the campaign concerned, the Brand concerned by the campaign and therefore the parameters relating to the campaign.

The BRAND REFERENCE PARAMETERS are defined, for each e-wallet Promotion campaign, by the Brand (or an intermediary chosen by the Brand) who transmits them to the Clearing House. These parameters reflect the commercial characteristics desired by the Brand for its e-wallet promotion campaign.

The MESSAGE BLOCKING REFERENCE PARAMETERS are defined for each e-wallet Promotion campaign in collaboration between the Brand (or an intermediary chosen by the Brand) and the Clearing House and implemented by the Clearing House in its SICH. The purpose of these settings is to block clients who abuse the sending of messages on the SCE, which could be the manifestation of attempted fraud.

The PARAMETERS GENERATED BY THE SICH are internal parameters generated by the SICH, to ensure the management and processing of the Anti-Fraud Promotion e-wallet system, as and when the messages received from customers on the SCE and from the other parameters are taken into account until the e-wallet Promotion is sent by the Clearing House to the customer's e-wallet.

- Treatment of the Single Dildo:

The e-wallet Promotion Anti-fraud System will be better understood on reading the following description of a particular embodiment of the system, given below by way of non-limiting example and by way of illustration.

The description refers to the accompanying drawings in which:

Figure 1 is an example, by way of illustration, of the configuration of the components of the processing system according to the Anti-Fraud system concerned by this patent

Figure 2 is a diagram showing, by way of illustration, and according to the anti-fraud system concerned by this patent, a detailed flowchart of the steps implemented during the communication on the SCE between the digital support of the customer and the SICH in the as part of an e-wallet Promotion campaign following the sending of a Unique Code by a customer to the SCE. The steps of the flowchart can be executed in a different order from that described in figure 2, some can be executed simultaneously and some can be ignored. The customer enters on the SCE the Unique Code (s) found in the packaging of the products purchased. The SICH then proceeds automatically, totally or partially, simultaneously or successively, and whatever their order, to the following processing operations:

• Extraction and / or creation of the IUC:

> If the IUC and the GSM number can be extracted from the client message on the SCE, extraction of the unique identifier of the client, from the client's message in the SCE and storage of the IUC and the GSM number in the SICH

> If the GSM number cannot be extracted from the customer message in the SICH: o Retrieval of the customer's GSM number by a SICH request to the customer to enter his GSM number on the SCE o Storage of the IUC's GSM number in the SICH

> If the UCI cannot be extracted from the client message in the SICH, then the GSM number is considered as the UCI

• Identification of the Unique Code and the code of the campaign to which the Unique Code relates

• Checking that the UCI is not blocked for the campaign:

> That the parameter S3: "Cumulative number of erroneous mobile phones" is not equal to G1

> That the parameter S4: "Cumulative number of erroneous Unique Codes" is not equal to G2

> That the parameter S5: "Cumulative number of e-wallet promotions" is not equal to M3

* Unique Code Validation

> Verification of the existence of the Unique Code (T1) in the SICH

> Check that parameter S2 is equal to "not used"

> Check that the date of sending of the Unique Code by the customer is included in parameter M2 "Start date and end date"

• If the previous tests are valid. Incrementation of the cumulative balance and de-commissioning of the promotion payment:

> Addition of the Ml amount to the Cumulative balance (parameter S6)

> Marking of parameter S2 of the unique code (T1) as "used"

> Check whether parameter S6 is greater than or equal to M4. If this is the case: o Sending an e-wallet Promotion of an amount equal to S6 to the IUC e-wallet o Resetting parameter S6 o Incrementing by 1 the cumulative number of Customer e-wallet Promotion (setting

S5).

- Characteristic parameters of an e-wallet Promotion campaign:

> CAMPAIGN TECHNICAL PARAMETERS o Parameter T1: “Unique Code” to be entered or scanned by the customer on his digital device o Parameter T2: “Campaign Reference” of the Unique Code. This code refers to the promotional campaign concerned by the Unique Code and therefore to the product (s) eligible for the e-wallet Promotion. This parameter can optionally be integrated into the structure of the Unique Code.

> BRAND REFERENCE PARAMETERS o Parameter M1: “Unique Code Value” in Dirhams. This is the amount of the e-wallet Promotion corresponding to the Unique Code from which the IUC can benefit via the Clearing House if the Unique Code is validated by the Anti-fraud Promotion e-wallet System. Each unique code can have a different value if the Brand so wishes, o Parameter M2: "Start date and end date" of the temporal validity of the Unique Code, o Parameter M3: "Maximum e-wallet promotions" to be accepted for each campaign for a given UCI. This parameter allows you to limit the number of e-wallet promotions that can benefit from an UCI for the same campaign. The achievement of this parameter by the cumulative number of e-wallet Promotions carried out by the Information System for an IUC (Parameter S5) blocks the acceptance of Unique Codes for this IUC for the duration of the campaign. o Parameter M4: "Trigger threshold". This parameter is defined for each campaign and constitutes a threshold for triggering payment in monetary value to be reached or exceeded by the "cumulative balance" of the IUC (Parameter S6) to benefit from the payment of the Promotion on the e-wallet of the IUC. Reaching this threshold by Parameter S6 triggers the payment of the amount of the e-wallet Promotion (corresponding to parameter S6) by the Clearing House on the Customer's e-wallet. This threshold is useful for pooling. In the event that there is no pooling, parameter M1 “Unique Code Value” is equal to parameter M4 “Trigger threshold”

> MESSAGE BLOCKING REFERENCE PARAMETERS o Parameter G1: "Erroneous GSM maximum number" of the IUC, i.e. the maximum number of attempts to send messages to the SCE of erroneous GSM number messages, for an IUC given, before blocking responses to SCE messages from the concerned UCI for period G3. This means that the Client does not receive any response to his messages during the duration of parameter G3. o Parameter G2: "Maximum number of wrong Unique Codes" of the IUC, i.e. maximum number of attempts to send erroneous Unique Code messages to the SCE for a given UCI, before blocking responses to SCE messages from the relevant IUC for the period G4. This means that the Client does not receive any response to his messages for the duration of parameter G4. o Parameter G3: "Number of erroneous GSM blocking days". When Parameter G1 is reached by parameter S3 for a given IUC, the SICH blocks the responses of the SCE to messages from this IUC, for the number of days of Parameter G3. This means that the Client does not receive any response to his messages during the duration of parameter G3. The message blocking for the duration G3 begins to run from the date S3 = G1. o Parameter G4: “Number of wrong Unique Codes blocking days”. When Parameter G2 is reached, by parameter S4, the SICH blocks the responses of the SCE to messages from this IUC for the number of days of Parameter G4. This means that the Client does not receive any response to his messages for the duration of parameter G4. The blocking of messages for the duration G4 begins to run from the date on which S4 = G2.

> PARAMETERS GENERATED BY THE SICH o Parameter SO: "GSM number". This number is either generated by the SICH from messages sent by the IUC on the SCE, or entered directly by the IUC on the SCE, and this on a request message from the Clearing House on the SCE. o SI parameter: "IUC". This identifier can be:

■ Is generated and assigned by the SICH

■ Either generated from the client's SCE messages (eg GSM number for Whatsapp or ID for Facebook Messenger) or from the identification number of the client device

■ Or generated by a direct entry by the customer of his GSM number, which is then considered as his UCI. o Parameter S2: Code "Used / Not used" of the Unique Code. This parameter has the value “Not Used” when the Unique Code is created and takes the value “Used” when the Promotion is sent to the Customer's e-wallet, and this permanently. This parameter makes it possible to ensure that the Unique Code is the object of a single use by blocking any reuse of a Unique Code o Parameter 53: "Cumulative number of erroneous mobile phones" of the concerned UCI. This parameter is calculated by the SICH as the number of invalid GSM number sending messages, carried out by the IUC since the start of the campaign or since the resetting of this parameter. This makes it possible to block replies to messages from the IUC in the SCE, for clients who abuse the flight of invalid GSM number flight messages. This parameter is reset to zero once the G3 time has elapsed, o Parameter S4: "Cumulative number of erroneous Unique Codes" of the UCI concerned. This parameter is calculated by the SICH as the number of invalid unique code sending messages, carried out by the IUC since the start of the campaign or since the reset of this parameter. This makes it possible to block replies to messages from the IUC in the SCE, for clients who abuse the use of the SCE by entering multiple invalid Unique Codes. This parameter is reset to zero once the G4 period has elapsed, o Parameter S5: "Cumulative number of e-wallet promotions" of the UCI concerned for the campaign. This parameter is calculated by the SICH as the number of e-wallet promotions made by the customer for the campaign concerned. This makes it possible to limit the number of e-wallet Promotions from which an IUC can benefit to allow the Brand to reach the greatest number of customers and limit use by retailers and wholesalers if necessary. This parameter is reset to zero for each campaign, o Parameter S6: “Cumulative balance” in dirhams of the UCI concerned for the campaign. This parameter is calculated by the SICH as the sum of the amounts corresponding to the Unique Codes accepted and not yet used for payment of the Promotion on the customer's IUC e-wallet. This balance is incremented by the value of the parameter M1 corresponding to each Unique Code received from an IUC and validated and is reduced by the value of the e-wallet Promotion for each payment of an amount of Promotion on the e-wallet of the 'IUC. The payment of a Promotion on the IUC e-wallet by the Clearing House is triggered by this parameter S6 reaching or exceeding the “Trigger threshold” (parameter M4) for this IUC. This parameter S6 is reset to zero for each campaign.

INDUSTRIAL APPLICATION

The e-wallet Anti-Fraud Promotion System is intended to be implemented on all or part of the players in the distribution networks (Brands, Brand Suppliers, wholesalers, retailers, consumers), to make e-wallet Promotion campaigns more reliable. against fraud, abuse and misappropriation of promotion.

> The system called “Anti-fraud Promotion e-wallet system” is intended to validate an e-wallet Promotion relating to a Unique Code within the framework of a transaction on the SCE, by verifying, using computer processes based on on parameters of the campaign, the Unique Code and the UC, previously implemented in the SICH, the validity of the Unique Code appearing on the physical medium found in the product packaging and the validity of the e-wallet release.

> The parameters integrated into the SICH are those described above in part “4.1 - Creation of the Unique Codes file in the SICH”.

> The values of these parameters are taken into account by the SICH to ensure that there is no fraud or abuse or misappropriation of the promotion by users of the e-wallet Promotion, according to the process treatment in the appendix.

> For each campaign, the IT processes and the storage of parameters can be implemented: o Either partially or entirely at the level of the IT tools of the Clearing House, whether these tools are located at the level of the Clearing House or at the level of IT centers external to the Clearing House. o Or with providers of IT services from the Clearing House, who would process transactions on its behalf.

> A variant of the entry system is that the customer, instead of entering the transaction on his device, reports his Unique Code (s) to a retailer or a service provider, who enters them on his digital medium, on an SCE, to benefit from the e-wallet Promotion on their e-wallet, and return the amount to the customer (in cash or via e-wallet). In this case, the retailer or the service provider carrying out the transaction will possibly benefit from a remuneration paid by the Clearing House.

The description of the overall system and the flows between its components is the subject of figure 1 The description of the logic diagram of the computer processing process is the subject of figure 2

Claims

Claim 1. Process implementing an anti-fraud system for promotions intended for products put on the market by a brand and reimbursed through electronic wallets, known as “e-wallets”, by means of unique codes to prevent illicit electronic reimbursement by said mark to a customer for the amount of said promotion, and which corresponds to all or part of the purchase price of a product or to a reward premium payment independent of the price of the product for a given campaign, comprising: • generate a list of unique codes for products put on the market by a brand by a generator of unique codes, the said products are the subject of a promotional campaign with reimbursements through electronic wallets, called "e- wallet ”; • communicate said unique codes to a recipient such as the clearing house computer system (SICH) to be stored in a storage medium and used to validate the execution of the payment of the amount of said promotion by crediting said amount on the wallet electronic linked to the unique customer identifier; • identify the customer who sent a request containing the unique customer identifier and the unique code of the product that is the subject of said promotion campaign, said request is sent by means of a digital medium to receive the reimbursement of said promotion intended for one or more product (s) marketed by the brand; • identify the unique code of the product that is the subject of said promotional campaign in the client's request containing the unique client identifier and said unique product code, said request is sent by the client by means of a digital medium to receive the reimbursement of said promotion intended for one or more product (s) marketed by the mark; • check the validity of said unique customer identifier for the promotional campaign intended for electronic wallets; • check the validity of said unique product code for the promotional campaign intended for electronic wallets; • accumulate the amount of said promotion in a balance accumulator in the event of validity of said unique customer identifier and unique identifier of the product; • compare the balance in the accumulator with the predefined balance threshold for triggering the payment of the promotion; • execute the payment of the amount of said promotion by crediting the electronic wallet linked to the unique customer identifier in the event of exceeding or reaching said predefined balance threshold triggering payment of the promotion; and • assigning said product code a state of invalidity to prevent its reuse in said promotional campaign in the event of payment of the amount to the customer being executed; Said method implementing said anti-fraud system of promotions intended for products put on the market by a brand and reimbursed through electronic wallets, called “e-wallets”, is characterized in that the execution of said payment is made immediately. or almost immediately if the unique customer identifier is valid and case of validity of the unique code of the product and in case of reaching or exceeding the predefined balance threshold for triggering the payment of the promotion. 2. A method implementing an anti-fraud system for promotions intended for products marketed by a brand and reimbursed through electronic wallets, called “e-wallet”, according to claim 1, characterized in that the identification of the customer who sent a request by message containing the unique customer identifier and the unique code of the product that is the subject of said promotional campaign, comprises: • extracting said unique client identifier from the message sent through the electronic communication system; • check the existence of said unique client identifier in the clearing house's IT system; and • create said unique client identifier in the computer system of the clearing house in the event that said unique client identifier does not exist. 3. A method implementing an anti-fraud system for promotions intended for products marketed by a brand and reimbursed through electronic wallets, called “e-wallet”, according to claims 1 and 2, characterized in that the identification of the unique code of the product that is the subject of said promotional campaign and contained in the request sent by said customer comprises: • extracting said unique product code from the message sent by the customer through the electronic communication system; • verify the existence of said unique product code in the clearing house's IT system; • block responses to and access to said promotion to said client in the event that a maximum number of times the client sends out unique codes that do not exist in the information system of the clearing house or that have already been used or are out of date. validity of the campaign for a predetermined period • block responses to and access to said promotion to said client in the event that a predefined maximum number of promotions for said campaign is reached; • add the amount of said promotion to the cumulative balance in the event of the existence and previous non-use of said unique product code and in the event of the validity of the prescribed period of said campaign; • assigning said unique product code a state of use to prevent its reuse in said campaign; • increase the number of unique code tests produced in the event of non-existence of said unique product code in the clearing house's computer system or in the event of previous use of said unique product code or in the event of the validity period being exceeded predefined; • block responses to and access to said promotion to said customer in the event that a maximum number of times the customer can send unique codes that are not existing or have already been used or have expired for a predetermined period of time. • send the customer a message containing the number of incorrect codes and the duration of the blocking of responses by the electronic communication system in the event that said code is reached. maximum number of times the customer sends unique codes that are not existing or have already been used or have expired during a predetermined period • send the customer a rejection message containing the number of remaining tests. 4. A method implementing an anti-fraud system for promotions intended for products marketed by a brand and reimbursed through electronic wallets, called “e-wallet”, according to claims 1 to 3, characterized in that that the execution of the payment of the amount of said promotion and credit on the customer's electronic wallet includes: • provide information to the customer containing the accumulated balance in the event of non-exceeding or not reaching the predefined balance threshold for triggering the payment of said promotion; • wait for the customer's GSM number from the clearing house's computer system in the event that said predefined balance threshold is exceeded or reached, triggering payment for said promotion; • extract the customer's GSM number from the message sent by the customer through their electronic communication system in the event that said customer's GSM number is not received from the clearing house's computer system; • store said mobile phone number of the customer in the IT system of the clearing house; • issue a request to ask the customer for the GSM number in the event of non-receipt of said GSM number from the electronic communication system and check the validity of said GSM number; repeat the previous step in the event of invalidity of said GSM number and block responses to said client in the event of a predefined maximum number of erroneous GSM numbers being reached; send the client a message containing the number of erroneous GSM numbers sent and the duration of blocking responses in the event that said predefined maximum number of erroneous GSM numbers is reached; storing said customer's GSM number in the computer system of the clearing house if said GSM number is valid; execute the payment of the customer's cumulative balance by credit on the electronic wallet linked to said GSM number in the event of validity of said customer's GSM number coming from the computer system of the clearing house or coming from the electronic communication system; reset the accumulated balance to the value of zero; incrementing the cumulative number of refunds received by the amount of the cumulative customer balance received; send a message to the customer containing the value of the amount of the cumulative customer balance and the number of residual promotions in the event that the predefined maximum number of promotions is not reached; or send a message to the customer containing the value of the amount of the cumulative customer balance and the attainment of the maximum number of promotions if the predefined maximum number of promotions is reached.