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    • 专利摘要:
    The invention relates to a system for processing a bank transaction, comprising a payment card associated with at least one ID-FC identifier associated with a first CBD bank account and associated with a second CBC bank account; the second CBC bank account which can be considered as a bank account backed by the first CBD bank account; a database is configured to store both the ID-CBD ID and both the ID-CBC ID in a manner associated with the ID-FC ID of the payment card; when the bank transaction is made, the payment amount being debited to the first CBD bank account; and a savings amount being defined, preferably based on the bank transaction data, then credited to the second CBC bank account; the invention thus proposing a system allowing, during a processing of a bank transaction carried out by a holder of a payment card for a purchase of a commodity, not only to debit a bank account with a payment amount but also to directly credit another bank account with an amount saved based on at least data associated with the payment card and information about the bank transaction.
    公开号:FR3063370A1
    申请号:FR1751493
    申请日:2017-02-24
    公开日:2018-08-31
    发明作者:Gilles BUISSON
    申请人:Gilles BUISSON；
    IPC主号:
    专利说明:

    TECHNICAL FIELD OF THE INVENTION
    The present invention generally relates to a system for processing a bank transaction associated with a payment card with taking into account reductions or retrocessions triggered by the bank transaction and in which all of the transactions are isolated and secure.
    STATE OF THE ART
    Transactional payment systems are evolving.
    Currently, merchants are seeking to retain their customers by means of a "loyalty card". Preferably, these loyalty cards are credited with coupons when purchased by the customer in a physical store and / or online. Thus, the operation requires debiting the customer's bank account of the values of the purchases, then crediting with coupons an account that the customer has with the brand in which he made his purchases.
    The main drawback of this solution is that the customer does not always have his loyalty card with him. As a result, customer loyalty is weakened.
    One of the solutions to remedy this problem has been the creation of payment cards associated with the loyalty program. This payment card can for example be physical or dematerialized. Thus, debit / credit transactions are automatically carried out and customer loyalty is automatically rewarded.
    Another problem still remains to be taken into consideration. Loyalty coupons are generally subject to conditions. Thus, they can only be used in certain brands and generally only for minimum purchase amounts.
    To solve this problem, a system has been proposed which, when processing a bank transaction carried out by a holder of a payment card for the purchase of goods, does not only debit a bank account of a payment amount, but also to directly credit another bank account with the amount of the value of the COUPON (discount) calculated based on at least the data associated with the payment card and information concerning the bank transaction.
    The aim of the present invention is to improve the latter system by simplifying the transactions, by increasing the security of said transactions and by maintaining a high level of loyalty.
    The other objects, characteristics and advantages of the present invention will appear on examining the following description and the accompanying drawing. It is understood that other advantages can be incorporated.
    SUMMARY OF THE INVENTION
    The present invention overcomes all or part of the drawbacks of currently known techniques.
    According to one embodiment, the invention relates to a system for processing a bank transaction, comprising:
    • a management module, • a data entry device configured to allow a user to provide a merchant terminal TM and / or the management module with an identifier ID-FC associated with a first bank account CBD, • the module management system, being coupled to at least a first bank terminal and being configured to manage the first CBD bank account, the management module being further configured to:
    o receive the ID-FC identifier supplied by the user to the data entry device;
    o receive Info-TB information concerning the bank transaction and including at least one payment amount;
    o then check whether the bank transaction associated with the ID-FC identifier is carried out successfully following receipt of the ID-FC identifier and Info-TB information concerning the bank transaction;
    o then send a request to the first bank terminal so that the first CBD bank account associated with the ID-FC identifier is debited from said payment amount;
    characterized by the fact that the system is configured to associate the identifier ID-FC with at least one second bank account CBD, and that the management module is also coupled to a second bank terminal configured to manage the second bank account CBC, and by the fact that the management module includes:
    • a storage means comprising a database (265) configured to store data associated with the identifier ID-FC and comprising at least the identifier ID-FC, an identifier ID-CBD of said first bank account CBD and an identifier ID-CBC of the second CBC bank account, the database being configured so as to associate with the identifier ID-FC both the identifier ID-CBD and both the identifier ID-CBC;
    • a calculation module coupled to the database (265) and configured to:
    - calculate an amount saved based on said data concerning the banking transaction.
    According to one embodiment, the management module is further configured to perform a step of crediting the amount saved on the second CBC bank account, the credit step comprising: sending a credit order to the second bank terminal, and in response, a step of executing the credit order so that the second CBC bank account is credited with said saved amount.
    According to one embodiment, the system according to the invention comprises a data security system comprising a plurality of data storage nodes forming a distributed database of the blockchain type. Advantageously, the block chain is configured to secure said credit step of the amount saved.
    According to one embodiment, the block chain is configured to secure information linked to the debit of the first CBD account associated with the user's ID-FC.
    According to another embodiment, the invention relates to a system for processing a bank transaction, comprising:
    • a management module, • a data entry device configured to allow a user to provide a merchant terminal TM and / or the management module with an identifier ID-FC associated with a first bank account CBD, • the module management system, being coupled to at least a first bank terminal and being configured to manage the first CBD bank account, the management module being further configured to:
    o receive the ID-FC identifier supplied by the user to the data entry device;
    o receive Info-TB information concerning the bank transaction and including at least one payment amount;
    o then check whether the bank transaction associated with the ID-FC identifier is carried out successfully following receipt of the ID-FC identifier and Info-TB information concerning the bank transaction;
    o then send a request to the first bank terminal so that the first CBD bank account associated with the ID-FC identifier is debited from said payment amount;
    characterized by the fact that the system is configured to associate the identifier ID-FC with at least one second bank account CBD, and that the management module is also coupled to a second bank terminal configured to manage the second bank account CBC, and by the fact that the management module includes:
    • a storage means comprising a database (265) configured to store data associated with the identifier ID-FC and comprising at least the identifier ID-FC, an identifier ID-CBD of said first bank account CBD and an identifier ID-CBC of the second CBC bank account, the database (265) being configured so as to associate with the identifier ID-FC both the identifier ID-CBD and both the identifier ID-CBC;
    • a calculation module coupled to the database (265) and configured to:
    - calculate an amount saved based on said data concerning the bank transaction,
    According to one embodiment, the management module is further configured to perform a step of crediting the amount saved on the second CBC bank account, the credit step comprising: sending a credit order to the second bank terminal, and in response, a step of executing the credit order so that the second CBC bank account is credited with said saved amount.
    According to one embodiment, the system according to the invention comprises a system for securing data passing to and from the management module to the second CBC bank account and / or to or from a database comprising a plurality of storage nodes for data forming a distributed blockchain type database.
    Advantageously, the block chain is configured to secure said credit step of the amount saved. According to one embodiment, the block chain is configured to secure information linked to the debit of the first CBD account associated with the user's ID-FC.
    The invention thus proposes a system making it possible, when processing a bank transaction carried out by a holder of a payment card for the purchase of goods, not only to debit a bank account for a payment amount , but also to directly credit another bank account with a savings amount calculated based in particular on the data associated with the payment card and information concerning the bank transaction.
    Thus, since amounts saved associated with purchases made by the card holder are directly recorded in a bank account of the holder of the payment card, there are no longer any conditions of use such as an expiration date to use loyalty points.
    The card holder can then freely use, either partially or completely, the amount that has been credited to the second bank account.
    Preferably, but not limited to, the card holder can use the entire amount credited from the second bank account, said amount credited corresponds to the value of their new purchase and possibly complete it if the total amount of the invoice is greater than the volume of savings recorded in the second bank account, by carrying out a second bank transaction to debit the first bank account with a partial amount of payment which will supplement the total amount of the invoice. In addition, the holder of the payment card thus benefits from a new saved amount posted to the second associated bank account and calculated during payment and information collected concerning the second bank transaction.
    The card holder can also use the amount credited to the second bank account to transfer it to other providers of their choice.
    Therefore, as soon as the card holder makes a purchase using their first bank account, they benefit from a saved amount which is recorded and paid into their second bank account.
    When the holder of the payment card exceeds a purchase threshold on his first bank account or a number of transactions or a purchase amount, then his second bank account is credited with an additional added value.
    To finalize and ensure continuity in the proper execution of the processing of entries of data stored in the database from information and data collected during a plurality of bank transactions associated with the identifier ID-FC, the holder of the card receives, by means of communication such as new multimedia technologies, promotional messages generated, preferably, but not limited to, using customer data associated with the identifier ID-FC, such as data from '' a customer profile and / or historical purchase data of the card holder, in order to target the behavior of the card holder.
    In addition, each holder of a payment card has a precise vision of the overall amount of the sums he has accumulated in the form of discounts, reduction, etc. In a particularly advantageous manner for merchants, a single card makes it possible both to debit the first account and to credit the second account. We can do without a loyalty card dedicated to a given merchant. The invention thus eliminates the need to issue, store, distribute and activate specific loyalty cards. Furthermore, the invention does not require the installation of additional equipment at the merchant's. It is therefore particularly simple, quick and inexpensive to implement for merchants.
    By thus securing the credit operations of the amount saved and at least one piece of information that enabled the debit of the first CBD account associated with the user's ID-FC, this significantly increases the security of the systems. In addition, with this security mode, all users can have access to the transaction history. Finally, this allows the merchant to have a precise identification of the uses of their customers and therefore to better adapt the offers and to avoid wasting promotional and paper resources as well as in electronic form.
    The invention thus offers numerous advantages both for the card holder and for merchants.
    BRIEF DESCRIPTION OF THE FIGURES
    The aims, objects, as well as the characteristics and advantages of the invention will emerge better from the detailed description of an embodiment of the latter which is illustrated by the following accompanying drawings in which:
    FIGURE 1 shows a system for processing a bank transaction according to an embodiment of the invention.
    The drawings are given by way of example and are not limitative of the invention. They constitute schematic representations of principle intended to facilitate the understanding of the invention and are not necessarily on the scale of practical applications.
    Figure 2 shows an embodiment in which the transaction generates credit for a CBC account.
    FIG. 3 illustrates another embodiment in which the transaction directly integrates an amount recalculated following the promotion.
    Figure 4 illustrates data security.
    FIG. 5 illustrates another embodiment of data security, in particular with the consideration of Ethereum®. This operating area is called “Smart M-coupons”.
    DETAILED DESCRIPTION OF THE INVENTION
    It will be recalled that the invention relates to a system for processing a bank transaction, comprising a management module, a data entry device configured to allow a user to supply a merchant terminal TM and / or the payment module. management of an identifier ID-FC associated with a first bank account CBD, the management module being coupled at least to the merchant terminal TM and to at least a first bank terminal and being configured to manage the first bank account CBD, and being further configured to check whether the bank transaction associated with the ID-FC identifier is carried out successfully following receipt of the ID-FC identifier and the data sent by the merchant terminal TM, said data being associated with the ID-FC identifier and comprising Info-TB information concerning the bank transaction comprising a payment amount; send a request to the first bank terminal so that the first CBD bank account associated with the ID-FC identifier is debited from said payment amount; in addition, the identifier ID-FC being also associated with at least one second bank account CBD, and the management module being coupled in addition to a second bank terminal configured to manage the second bank account CBC and comprising a calculation module and storage means comprising a database, the database being configured to store data associated with the identifier ID-FC and comprising at least the identifier ID-FC, an identifier ID-CBD of said first bank account CBD and an ID-CBC identifier of the second CBC bank account; the calculation module being coupled to the database and configured to calculate a savings amount, as a function of said data concerning the bank transaction, and send a request to the second bank terminal so that the second CBC bank account is credited with the savings amount corresponding to said bank transaction.
    Before starting a detailed review of embodiments of the invention, there are set out below optional features which can optionally be used in combination or alternatively:
    - the calculation module is configured to calculate an added value associated with the banking transaction, said added value being taken into account when calculating the amount saved by advantageously making it possible to adjust or increase the amount saved which will be recorded on the second CBC bank account;
    - the calculation of the added value is based on the amount saved, and / or the payment amount and / or payment amounts associated with previous bank transactions from the Merchant Terminal TM and previously debited from the first CBD bank account;
    - the calculation of the added value is based on a number of bank transactions carried out for said CBC bank account, an amount saved, and / or the payment amount and / or payment amounts associated with previous and previously debited bank transactions on the first CBD bank account.
    - the data entry device comprises a graphical interface and a physical or virtual keyboard;
    - Said system comprises a payment card comprising at least one memory intended for saving data comprising at least the identifier ID-FC associated with the first and second bank accounts CBD and CBC, the payment card being able to be read by the at least one merchant terminal TM; a reader coupled to the management module and configured to read the payment card and to recover the ID-FC identifier saved in the payment card and send said data associated with the ID-FC identifier to the management module;
    - the data entry device includes the reader;
    - the reader is integrated into a cash register for a sales area of the merchant terminal TM;
    - the memory of the payment card stores the ID-CBD identifier of the first CBD bank account and the ID-CBC identifier of the second CBC bank account;
    - the system is configured so that a credited amount available on the second CBC bank account is transferred, either partially or totally, to other providers of the user's choice;
    - the system is configured so that a credited amount available on the second CBC bank account is transferred, either partially or completely, to another bank account owned by the user;
    - the system is configured so that a credited amount available on the second CBC bank account is transferred, either partially or totally, to other providers or to the accounts of other users chosen by the holder of the first CBD bank account.
    - said promotional message comprising data relating to at least: a name or a product reference; information relating to a price or promotion; the name of a company where the product and / or promotion is available.
    - the data associated with the ID-FC identifier are previously recorded in a remote database accessible by the management module, and, during an online purchase made by providing the ID-FC identifier, this entry of the ID-FC identifier allows the management module to retrieve the data associated with the ID-FC identifier from said remote database;
    - the calculation module is configured to send said added value to the merchant terminal TM;
    - the first and second bank terminals are the same TB bank terminal;
    - the calculation module is configured to generate promotional messages using at least Info-TB information concerning the bank transaction and customer data associated with the ID-FC identifier;
    - the customer's data is previously recorded in the database or in a database accessible by the calculation module;
    - the promotional messages are generated by using in addition merchandise information from said merchant terminal TM;
    - the calculation module is coupled to a plurality of merchant terminals, the promotional messages being generated using merchandise information from the plurality of merchant terminals associated with the identifier ID-FC;
    - the calculation module is configured to store promotional messages in the database;
    - The system further comprises at least one communication means configured to receive and broadcast the promotional messages sent by the calculation module.
    - the system is configured to send at least one promotional message to the holder of the first CBD bank account.
    - the person holding the first CBD bank account is different from the person holding the second CBC bank account.
    - the data security system includes transaction blocks and validation bodies different from the management module, the data security system ίο being configured to perform the following steps using a digital data processing device :
    - At least one sending of a credit order to the second CBC bank account;
    - Grouping of at least one credit transaction in at least one blockchain transaction block;
    - Validation of the credit operation in the plurality of storage nodes by said validation bodies;
    - Addition of the information contained in the at least one block of the block chain in an event log accessible by all the users of the system;
    - Execution of the credit order on the second CBC bank account so that the second CBC bank account is credited with said amount saved.
    - the step of sending a credit order to the second CBC bank account comprises the amount saved calculated as a function of said data concerning the bank transaction, the user's ID-FC identification, and the information linked to the debit of the first CBD account associated with the user ID-FC the information linked to the debit of the first CBD account associated with the user ID-FC is taken from at least one of the following information: a date debit, the amount debited, objects and / or services associated with the debit and an identification of the debit receiver.
    - the validation bodies are the users of the system or of the banking organizations.
    - the security of the information linked to the debit of the first CBD account associated with the user ID-FC includes transaction blocks and validation bodies different from the management module, the data security system being configured to perform the following steps using a digital data processing device:
    - At least one sending of information linked to the debit of the first CBD account associated with the user's ID-FC;
    - Grouping of at least one sending of information related to the debit of the first CBD account associated with the user's FC-ID in at least one block of the block chain;
    - Validation of or information linked to the debit of the first CBD account associated with the user's ID-FC in the plurality of storage nodes by validation bodies;
    - Addition of the information contained in the at least one block of the block chain in an event log accessible by all the users of the system;
    - the validation bodies are chosen from users and suppliers of the database.
    - the database in which the information linked to the debit of the first CBD account associated with the user's ID-FC is stored is preferably on a dematerialized platform.
    - The database in which the information related to the debit of the first CBD account associated with the user ID-FC is stored is a dematerialized database of block chain type or of Ethereum ® type;
    - The database can be a dematerialized platform comprising the second CBC account.
    - securing the information linked to the debit of the first CBD account associated with the user ID-FC includes a final step of reception by a database of at least one piece of information allowing the debit of the first CBD account associated with user ID-FC
    In addition, the invention relates to a method of processing a bank transaction, comprising the entry into a data entry device of an ID-FC identifier associated with a first CBD bank account and with the bank transaction; recovery by a data management module associated with the identifier ID-FC and comprising Info-TB information concerning the bank transaction comprising at least one payment amount; verification by a bank transaction management module following receipt of the ID-FC identifier and said data; the sending by a management module of a request to the first bank terminal to debit the first CBD bank account of said payment amount, the identifier ID-FC being associated with both the identifier ID-CBD and both to an ID-CBC identifier of a second CBC bank account; the method comprising the following steps carried out as soon as the first CBD bank account is debited from said payment amount: the calculation of an amount saved as a function of at least said data concerning the bank transaction; sending a request to the second bank terminal so that the second CBC bank account is credited with the amount saved corresponding to the bank transaction; the credit of the second CBC bank account for this amount saved corresponding to the bank transaction.
    Advantageously, the information that led to a debit from the first CBD bank account is taken from the debit date, the amount debited, the objects and / or services associated with the debit and the identification of the receiver of the debit.
    Advantageously, the value of the amount saved corresponds to a reduction coupon issued by the merchant. Thus, since the coupon is issued by crediting a monetary value directly to a CBC bank account, the coupons can be used directly by the user. The primary effect of this is to make it easier for the user to use the coupons. In addition it reduces the raw material used for the issuance of these coupons (especially paper). This system is therefore more ecological, easier to use and more secure.
    The securing of data of the transactions carried out by the system and more particularly the credit transaction of the second CBC bank account and the information which led to the debit of the first CBD bank account comprises a plurality of data storage nodes forming a distributed database of blockchain type configured to secure the banking transaction
    This method of securing makes transactions almost impossible to forge. A detail of the operation of this security is explained downstream of the description.
    The blockchain forms a distributed database. It is transparent. It is secure. It operates without a central control body.
    By extension, a blockchain is a distributed database that manages a list of records protected against falsification or modification by storage nodes. A blockchain is therefore a decentralized and secure chronology of all the transactions carried out since the start of the distributed system. Many literatures on this subject are available concerning block chains including in particular, “Blockchains, from theory to practice, from idea to implementation”, whose authors are Billal CHOULI - Frédéric GOUJON Yves-Michel LEPORCHER , ENI EPSILON edition, publication January 2017.
    Many books also deal with Ethereum, including "Ethereum", authored by Henning Diedrich, 2016 publication by Wildfire Publishing.
    Ethereum ensures that databases are updated by the network itself With Ethereum, no intermediary such as a bank is useful for updating accounting movements and balances and authentication of account owners. Network management can therefore dispense with administration and infrastructure costs. The banking database is accessible to all. It is decentralized.
    Ethereum rests on two pillars: asymmetric cryptography, a technology which allows to prove its identity without revealing a secret and which guarantees that a signature is unique, and a Peer to Peer network, therefore decentralized, in which all transactions must be validated by all of its members, which ensures safety. Thanks to the internet, exchanges can be validated in real time.
    Ethereum allows the storage of technical data, it gives better certification. Ethereum uses "Ether" as its currency.
    The meeting of these two blockchain and Ethereum solutions allows, within the framework of the present invention to propose a set of solutions which are on the one hand the optimal security during financial transactions by the blockchain (Bitcoin, Ethers .. .) and on the other hand the management of customer data by Ethereum which allows all of this private data to be stored in optimal security (contact details, behavior and frequency of purchase, etc.).
    This stored data can be represented in Ethereum in "Smart Contracts" (autonomous contracts) associated with promotions by Μ-Coupons, these promotions are linked to the first CBD bank account identified by the merchant.
    The invention facilitates the processing of identification, loyalty and payment in a very secure approach. Thus “Smart Contracts” can be designated in the context of the present invention “Smart M-Coupons”.
    FIG. 1 shows a system 100 for processing a bank transaction 101 according to an embodiment of the invention. The processing system 100 includes a data entry device and a management module 150.
    The data entry device is configured to allow a user to provide an merchant terminal TM and / or the management module 150 with an identifier ID-FC relating to the bank transaction 101.
    According to a preferred embodiment, the system 100 comprises a payment card 105. The user uses this payment card 105 to provide the merchant terminal TM and / or the management module 150 with the identifier ID-FC relating to the bank transaction 101.
    The payment card 105 comprises a first memory 123 intended to save data comprising at least the identifier ID-FC. A payment card of the invention has a single ID-FC identifier. Said data saved in the first memory 123 further comprises for example the name of the customer, an expiration date of the payment card 105, etc.
    The payment card 105, or more precisely, the identifier ID-FC, is associated not only with a first bank account CBD to which a bank transaction 101 will be sent, but also with a second bank account CBC to which an amount saved (described later ) will be sent.
    In an advantageous, but not limiting, embodiment, the first memory 123 of the payment card 105 also saves an identifier (such as an account number) ID-CBD of the first bank account CBD associated with the identifier ID- FC, and another ID-CBC identifier (such as an account number) of the second CBC bank account associated with the ID-FC identifier. In another embodiment as described later, the payment card 105 does not save ID-CBD and / or ID-CBC identifiers.
    The invention is not limited to data saved in the payment card 105.
    It should be noted that the payment card 105, the first and second bank accounts CBD, CBC can be issued / managed by the same bank or by several different banks. Preferably, the second CBC bank account is backed by the first CBD bank account. In particular, they have in common all the identification data of the card holder as well as possibly the contracts binding the holder to the banking establishment.
    In this embodiment, the first and second bank accounts CBD, CBC are managed by the same bank and preferably by the same bank terminal.
    In another embodiment of the invention, the second CBC bank account is on a dematerialized platform which may be non-bank. By dematerialized platform is meant a platform preferably hosted on servers, preferably remote and accessible at least by an internet type network. In this solution, the amount saved is transformed into m-coupon. The m-coupon is then credited to a personal account that the user has previously created on the dematerialized platform. The term non-bank is understood to mean that this dematerialized platform is not owned by a banking organization.
    The advantage of this achievement is the creation of a virtual currency, usable among all users of the invention. The advantage of creating a virtual currency is that it allows greater freedom to use the values created. For example, a person who does not have a bank account, can, simply by being registered on the platform, generate m-coupons when shopping, and use said m-coupons always without having a traditional bank account, while retaining the freedom to use all of the value credited to their virtual account with all of the users of the invention. This also allows the compatibility of the invention with payments made other than by a real and / or virtual payment card.
    The invention is not limited by the above example of the data saved in the payment card 105. It is also not limited to a single type of payment card 105. Indeed, the card 105 can be a smart card often referred to in English as "Smart card", a magnetic card, a bar code card, or another means capable of saving said data. In this last hypothesis, the payment can intervene separately for example by a transfer of currencies, by check or by any other means (bitcoin®, ether® for example).
    The smart card can be contactless or contactless. In the latter case, it may for example integrate the near field contact technology usually designated by NFC, acronym for near field contact. It could also be a virtual payment card, for example provided by an application of a user terminal such as a telephone offering a wireless communication port using for example NFC technology. So when we approach the user terminal of the walking terminal, the user terminal communicates the ID-FC identifier to the walking terminal.
    In addition, said data saved in the payment card 105 may include other data to provide a function equivalent to the above function without departing from the scope of the present invention.
    In addition, the payment card 105 is suitable for use at at least one merchant terminal comprising a merchant terminal TM concerning a banking transaction 101 carried out by the user.
    In this embodiment, the data input device of the system 100 comprises a reader 120 coupled to the management module 150 and configured to retrieve the identifier ID-FC saved in the payment card 105 and send said data associated with the identifier ID-FC to the management module 150.
    In one embodiment, the reader 120 is installed in a sales area of the merchant terminal TM. Thus, when the user uses the payment card 105 to carry out the bank transaction 101 for a purchase of goods (such as a product or a service) from the merchant terminal TM, the reader 120 reads the payment card 105, with or without contact of the latter, in order to recover the data saved in the payment card 105 and associated with the identifier ID-FC, and then to send said data to the management module 150. In addition, information Info- TB concerning the bank transaction 101, such as a payment amount for the purchase made by the customer, are also sent by the merchant terminal TM to the management module 150.
    In another embodiment in which the user purchases the goods online, the reader 120 is installed beforehand at the user's place (the holder of the payment card 105). This reader 120 is connectable to a communication network for transferring, preferably through the merchant module TM, to the remote management module 150 the data associated with the payment card 105 and the Info-TB information concerning the bank transaction 101. More generally, the reader 120 is connected to a user terminal, such as a mobile telephone or a personal computer (PC) connected to a communication network such as the Internet.
    In another even more advantageous embodiment, the payment card 105 can be a virtual card; in other words, the presence of a physical payment card 105 is not necessary. The data associated with the payment card 105 is previously recorded in a remote database such as a database 265 of the management module 150 (described later). In this case, the system 100 data entry device includes a graphical interface and a physical or virtual keyboard, such as a computer, mobile phone or touch pad. The data entry device is connectable to a communication network to be coupled to the remote merchant terminal TM or / and to the remote management module 150. In this embodiment, the merchant terminal TM is for example a website server.
    Thus, when the user (the holder of the virtual payment card 105) makes an online purchase by providing the identifier ID-FC through the communication network so that the management module 150 retrieves the data associated with the identifier ID -FC from the database 265. In addition, the Info-TB information concerning the bank transaction 101 is meanwhile transferred to the management module 150.
    It should be noted that the data associated with the payment card 105 can be saved in another remote storage module accessible by the management module 150.
    The management module 150 is coupled to the data entry device and / or to the reader 120, to at least one merchant terminal (including the merchant terminal TM) and to at least one bank terminal (including a first bank terminal capable to manage the first CBD bank account and a second bank terminal capable of managing the second CBC bank account). The coupling can involve one or more wireless or radio communication networks. In the present embodiment, as mentioned above, the first and second bank accounts CBD, CBC are managed by a single bank terminal TB. Thus, to facilitate understanding of the invention, Figure 1 shows only the merchant terminal TM and the only bank terminal TB.
    The management module 150 comprises a calculation module 155 and a storage means comprising the database 265. The database 265 is configured to store data associated with the payment card 105 comprising said data sent by the reader 120, an identifier (such as an account number) ID-CBD of the first CBD bank account associated with the identifier
    ID-FC, and another ID (such as an account number) ID-CBC of the second CBC bank account associated with the identifier ID-FC.
    This data associated with the identifier ID-FC of the payment card 105 can be previously saved in another storage module accessible by the management module 150. The management module 150 also receives the Info-TB information sent by the terminal TM merchant and concerning the bank transaction 101 as mentioned above. Preferably, but not limited to, said Info-T information is saved in the database 265.
    The calculation module 155, coupled to the database 265, is configured to first check, on receipt of said data associated with the payment card 105 and Info-TB information concerning the bank transaction 101, whether the bank transaction 101 is carried out by the holder of the payment card 105.
    After the above verification step, the calculation module 155 sends a request to the bank terminal TB so that the first bank account CBD associated with the payment card 105 is debited from said payment amount.
    A payment authorization step is then carried out by the bank terminal TB, and a payment confirmation step is carried out to inform the merchant terminal of the completion of the bank transaction 101.
    The invention is not limited by the example above concerning the completion of the authorization and payment confirmation steps. Any realization equivalent to the above functions can be carried out without departing from the scope of the present invention.
    Following the payment authorization step and / or the payment confirmation step, the merchant terminal TM sends the management module 150 a request to calculate a saved amount. For this, the merchant terminal TM provides the management module 150, preferably simultaneously, with information used in the calculation of the amount saved such as a percentage of the payment amount or / and that of a cumulative amount of consumption associated with the purchases of merchandise from the TM merchant terminal and / or other formulas used to calculate the amount saved.
    The calculation module 155 then calculates the amount saved, on receipt of said request, according to said information concerning the bank transaction 101 and said information accompanied by said request to calculate the amount saved.
    In another embodiment, the amount saved can be calculated as a function not only of the current bank transaction 101, but also of several previous bank transactions associated with the payment card 105. In this case, information concerning the previous bank transactions are saved in a database accessible by the calculation module 155 such as the database 265.
    The calculation module 155 then sends a request to the bank terminal TB so that the second bank account CBC is credited with the amount saved.
    The invention is not limited by the example above concerning the information used in the calculation of the amount saved.
    In one embodiment of the invention, the amount of the payment debited from the CBD account is not influenced upward by the calculation of the amount saved. In other words, there is no upward revaluation of the amount debited according to the amount saved.
    For example, if a payment amount has a value of 9.50 euros, there is not a revaluation to 10.00 € in order to save the difference, namely 0.50 euros. However, a downward revaluation of the amount saved is possible. Indeed, after calculating a reduction coupon, it can be applied directly to the current debit order. In this case, the reduction coupon is not saved, but is deducted from the purchase in progress.
    The holder of payment card 105 can freely use, either partially or completely, a credited amount available on the second CBC bank account.
    In an advantageous embodiment, the holder of the payment card 105 can use the entire credited amount available on the second CBC bank account, if said credited amount corresponding to the value of his new purchase. He can possibly complete the amount available on the second CBC bank account if the total amount of the invoice is greater than that of the savings recorded in the second CBC bank account, by carrying out a second bank transaction to debit the first CBD bank account. a partial payment amount which will complete the total amount of the invoice.
    In addition, the holder of payment card 105 thus benefits from a new saved amount posted to the second associated CBC bank account and calculated during payment and information collected concerning the second bank transaction.
    The system 100 allows the bearer of the payment card 105 more flexibility in the use of said credited amount available in the second CBC bank account managed by the system 100.
    In an advantageous embodiment, the holder of the payment card 105 reverses either partially or completely the amount credited to the second CBC bank account to other providers of his choice.
    In another even more advantageous, but nonlimiting embodiment, the holder of the payment card 105 reverses either partially or completely the amount credited in the second CBC bank account to another bank account including the holder of the payment card 105 owns and manages internal financial flows corresponding to different financial products and different service providers.
    In a preferred, but not limiting, embodiment, the calculation module 155 is further configured to calculate an added value associated with the bank transaction 101 and advantageously making it possible to reduce or increase the amount saved which will be posted to the second account. CBC bank.
    The calculation of the added value is based, preferably, but not limited to, on the amount saved, and / or the payment amount and / or payment amounts associated with previous bank transactions from the Merchant Terminal TM and previously debited from the first CBD bank account. Following the calculation of the added value, the calculation module 155 sends this added value to the merchant terminal TM.
    The card holder thus develops added value according to the increase in the number of bank transactions from the Merchant Terminal TM carried out from the first CBD bank account. The added value thus advantageously increases the amount saved which will be posted to the second CBC bank account. The added value is for example an amount or a multiplication factor. Said added value is taken into account when calculating the amount saved.
    The holder of the payment card 105 then becomes a wealth creator.
    The invention is not limited by the above example concerning the calculation of the added value associated with the banking transaction 101. Other values or information, which could be supplied to the merchant terminal TM as basic data used to analyze for example the purchasing behavior of the holder of the payment card 105, can be carried out by the calculation module 155 and / or the merchant terminal TM without departing from the scope of the present invention.
    In addition, preferably, but not limited to, the calculation module 155 is also configured to generate multimedia strategies and / or promotional messages targeted to the bearer of the payment card 105 as a function of any of the combinations of the data. / information below:
    - the data associated with the payment card 105 (as mentioned above);
    - information concerning the current bank transaction 101 (as mentioned above);
    - customer data associated with the payment card 105 such as customer purchase historical data comprising information concerning one or more previous banking transactions associated with the payment card 105 and concerning the merchant terminal TM or / and other merchant terminals associated with payment card 105; this customer data being previously recorded in the database 265 or in a database accessible by the calculation module 155;
    - merchandise information (products and / or services) from the merchant terminal TM and / or that of other merchant terminals associated with the payment card 105, such as information from seasonal or / and occasional promoters, etc .; this information being either sent by merchant terminals, or previously recorded in the database 265 or in a database accessible by the calculation module 155.
    In an advantageous but non-limiting embodiment, the calculation module 155 is able to generate purchase recommendations or personalized promotions by performing more advanced calculations using historical purchase data from the customer as a source of learning calculations.
    In addition, in an even more advantageous embodiment, the invention also offers the possibility of carrying out very relevant cross-merchandising actions; that is, promotional messages are generated based on customer data and merchandise information from multiple merchant terminals associated with payment card 105.
    The calculation module 155 thus generates targeted promotional messages to the customer who holds the payment card 105, such as the creation of a new personalized advertisement or the selection of an existing promotional message.
    The calculation module 155 is preferably configured to record in the database 265 these promotional messages associated with the payment card 105 and send them to one or more means of communication configured to broadcast the promotional messages for the attention of the customer. For example, the promotional messages associated with the payment card 105 can be either displayed by means of communication such as emails or short messages from a mobile service (SMS) intended for the customer, or broadcast by other means of communication such as video, audio, screens installed in sales areas, multimedia supports, etc.
    The invention is not limited by the example above concerning the generation of personalized promotional messages and / or multimedia strategies associated with payment card 105 nor by the example above of the dissemination of promotional messages.
    The system of the invention thus makes it possible, when processing a bank transaction carried out by a holder of a payment card for a purchase, not only to debit a bank account for a payment amount, but also to directly credit another bank account with a savings amount calculated based on at least the data associated with the payment card and information concerning the bank transaction.
    Thus, since amounts saved associated with purchases made by the card holder are directly recorded in a bank account of the holder of the payment card, there are no longer any conditions of use such as an expiration date to use loyalty points or discount coupons. The same applies if the amounts saved are credited to the account of the user of a dematerialized platform.
    Thus and as has been described above, the invention provides a banking transaction procedure carried out by the bearer at the merchant (equipped with the merchant terminal TM) from different payment card supports with or without contact, and also by payment by mobile phone using NFC technology. The invention also allows a purchase made directly online (by internet) by the user without using the real card.
    Bank transactions can trigger savings made by the merchant as well as to supply with this savings one or more other bank accounts of the holder. It is also possible that said other bank account to which savings are transferred does not belong to the card holder. It can be the bank account of one of his relatives, for example. As a result, the savings can be used to finance other bank transactions, thereby developing the multiplicity of applications for payment cards in terms of their uses. The invention therefore makes it possible to diversify the financial transactions by the bearer, which increases loyalty among the merchants participating in the processing system of the invention.
    In addition, the invention allows the bank to manage financial flows of all payment card holders.
    On the other hand, as mentioned above, the invention makes it possible to manage databases comprising customer data, merchandise and / or merchant information and / or generated promotional messages, and to self-finance E- campaigns. marketing of merchants by the effect of the retrocession, in order to retain customers and merchants.
    Thus, when a transaction is made on the first bank account and an amount saved is calculated and credited to the second bank account belonging to the card holder or a person chosen by him. A message is then automatically sent to the holder of the second account that has been credited. Preferably and optionally, this message can be a function of at least one of the following parameters:
    - Info-TB information concerning the bank transaction that triggered the amount saved;
    - the profile of the holder of the second account on which the amount saved is credited;
    - the profile of the card holder.
    Preferably and optionally, this message is a promotional message. It includes at least one of the following data:
    - a name or a product reference;
    - information relating to a price or promotion;
    - the name of a company where the product and / or promotion is available.
    This dynamic application makes it possible to manage, through the management of financial flows by the bank, the multiplicity of cardholders' payment cards in the financing of other payment cards linked by bank accounts. Thus, the bank becomes a platform for financial transactions which feeds the bank accounts of the holders and all the partners / participants of the processing system of the invention. In addition, the other bank accounts are self-financing by the multiplicity of different cardholders' payment cards.
    In short, the invention therefore makes it possible to manage, by retrocession among merchants, the variety of payment cards and financial flows from the bank accounts of the holders of payment cards.
    We have previously seen that the invention allows the generation of a saved amount, or in other words coupons, automatically after the completion of a debit step from a first CBD bank account.
    This generation of the amount is done by crediting a second CBC bank account.
    We also clarified that this credit step of the second CBC bank account was identified and secured by means of a block chain.
    Advantageously, the data security system comprises transaction blocks and validation bodies different from the management module, the data security system being configured to perform the following steps using a digital data processing device. :
    - At least one sending of a credit order to the second CBC bank account;
    - Grouping of at least one credit transaction in at least one blockchain transaction block;
    - Validation of the credit operation in the plurality of storage nodes by said validation bodies;
    - Addition of the information contained in the at least one block of the block chain in an event log accessible by all the users of the system;
    - Execution of the credit order on the second CBC bank account so that the second CBC bank account is credited with said amount saved.
    Thus, this method allows very great security of transactions, as well as precise identification of the transaction. This further improves the generation of promotional messages.
    Preferably, the validation bodies for securing the supply of the ID-FC identifier to the database are chosen from among the network validation bodies are banking organizations. This allows better security of transactions by having a plurality of validation bodies. In addition, in view of the very large number of transactions carried out, it is preferable for the reliability of the network for the validation bodies to be institutions used to processing a very large number of transactions.
    Advantageously, the step of ordering a transaction to the second CBC bank account comprises the amount saved calculated as a function of said data concerning the bank transaction, the identification ID-FC of the user, and all of the information having led to a debit from the first CBD bank account. The security of the information linked to the debit of the first CBD account associated with the user ID-FC includes transaction blocks and validation bodies different from the management module, the data security system being configured to perform the steps following using a digital data processing device:
    - At least one sending of information linked to the debit of the first CBD account associated with the user's ID-FC;
    - Grouping of at least one sending of information related to the debit of the first CBD account associated with the user's FC-ID in at least one block of the block chain;
    - Validation of or information linked to the debit of the first CBD account associated with the user's ID-FC in the plurality of storage nodes by validation bodies;
    - Addition of the information contained in the at least one block of the block chain in an event log accessible by all the users of the system;
    Preferably, the validation bodies for securing the supply of the ID-FC identifier to the database are chosen from users and suppliers of the database. Thus, by multiplying the validation bodies, this further strengthens the reliability of the security.
    The entire application can be stored in a decentralized network like the Ethereum® system. Thus, by dematerializing and decentralizing the platform generating the data security coupons has increased. Indeed, in the event of hacking, only scraps of information can be recovered. In addition, in the event of a server crash, only a portion of the information needs to be replaced, which is much more secure.
    Of course, as part of a decentralization of the application, all of the data transitions are secured by a blockchain device.
    The invention is not limited to the embodiments described above, but extends to any embodiment covered by the claims.
    权利要求:
    Claims (23)
    [1" id="c-fr-0001]
    1. Processing system (100) for a bank transaction (101), comprising:
    • a management module (150), • a data entry device configured to allow a user to provide a merchant terminal TM and / or the management module (150) with an ID-FC identifier associated with a first account CBD bank account, • the management module (150), being coupled at least to a first bank terminal and being configured to manage the first CBD bank account, the management module (150) being further configured for:
    o receive the ID-FC identifier supplied by the user to the data entry device;
    o receive Info-TB information concerning the bank transaction (101) and including at least one payment amount;
    o then check whether the bank transaction (101) associated with the ID-FC identifier is carried out successfully following receipt of the ID-FC identifier and Info-TB information concerning the bank transaction (101);
    o then send a request to the first bank terminal so that the first CBD bank account associated with the ID-FC identifier is debited from said payment amount;
    characterized in that the system is configured to associate the identifier ID-FC with at least a second bank account CBD, and that the management module (150) is further coupled to a second bank terminal configured to manage the second account CBC banking, and by the fact that the management module (150) comprises:
    • a storage means comprising a database (265) configured to store data associated with the identifier ID-FC and comprising at least the identifier ID-FC, an identifier ID-CBD of said first bank account CBD and an identifier ID-CBC of the second CBC bank account, the database (265) being configured so as to associate with the identifier ID-FC both the identifier ID-CBD and both the identifier ID-CBC;
    • a calculation module (155), coupled to the database (265) and configured for:
    - calculating an amount saved as a function of said data concerning the bank transaction (101), the management module (150) being further configured to carry out a credit step of the amount saved on the second CBC bank account, the credit step comprising : a sending of a credit order to the second bank terminal, and in response, a step of executing the credit order so that the second CBC bank account is credited with said amount saved, and comprising a system for securing data comprising a plurality of data storage nodes forming a distributed blockchain type database configured to secure said step of crediting the amount saved and preferably also information linked to the debit of the first CBD account associated with the ID- User HR.
    [2" id="c-fr-0002]
    2. System (100) according to the preceding claim wherein the data security system comprises transaction blocks and validation bodies different from the management module, the data security system being configured to perform the following steps at using a digital data processing device:
    - At least one sending of a credit order to the second CBC bank account;
    - Grouping of at least one credit transaction in at least one blockchain transaction block;
    - Validation of the credit operation in the plurality of storage nodes by said validation bodies;
    - Addition of the information contained in the at least one block of the block chain in an event log accessible by all the users of the system;
    - Execution of the credit order on the second CBC bank account so that the second CBC bank account is credited with said amount saved.
    [3" id="c-fr-0003]
    3. System (100) according to the preceding claim, in which the step of sending a credit order to the second CBC bank account comprises the amount saved calculated as a function of said data relating to the bank transaction (101), the identification ID-FC of the user, and information related to the debit of the first CBD account associated with the ID-FC of the user.
    [4" id="c-fr-0004]
    4. System (100) according to the preceding claim, in which the information linked to the debit of the first CBD account associated with the user ID-FC is taken from at least one of the following information: a debit date, the amount debited, objects and / or services associated with the debit and an identification of the receiver of the debit.
    [5" id="c-fr-0005]
    5. System (100) according to one of the three preceding claims in which the validation bodies are the users of the system or of the banking organizations.
    [6" id="c-fr-0006]
    6. System (100) according to any one of the preceding claims, in which the calculation module (155) is configured to calculate an added value associated with the banking transaction (101), said added value being taken into account when calculating the amount saved by advantageously reducing or increasing the amount saved which to be credited to the second CBC bank account.
    [7" id="c-fr-0007]
    7. System (100) according to the preceding claim in which the calculation of the added value is based on a number of bank transactions carried out for said CBC bank account, an amount saved, and / or the amount of payment and / or amounts of payment associated with previous bank transactions and previously debited to the first CBD bank account.
    [8" id="c-fr-0008]
    8. System (100) according to any one of the preceding claims, in which the data input device comprises a graphical interface and a physical or virtual keyboard.
    [9" id="c-fr-0009]
    9. System (100) according to any one of the preceding claims 1 to 7 comprising a payment card (105) comprising at least one memory (123) intended to save data comprising at least the ID-FC identifier associated with the first and second CBD and CBC bank accounts;
    and in which the data entry device comprises a reader (120) coupled to the management module (150), configured to read the payment card (105) and send said data associated with the identifier ID-FC to the module management (150).
    [10" id="c-fr-0010]
    10. System (100) according to the preceding claim wherein the memory (123) of the payment card (105) saves the identifier ID-CBD of the first bank account CBD and the identifier ID-CBC of the second bank account CBC.
    [11" id="c-fr-0011]
    11. System (100) according to any one of the preceding claims, configured so that a credited amount available on the second CBC bank account is transferred, either partially or totally to any service providers or users chosen by the holder of the first account. CBD bank account, including to a bank account owned by the user.
    [12" id="c-fr-0012]
    12. System (100) according to any one of claims 1 to 6 in which the data associated with the identifier ID-FC are previously recorded in a database accessible by the management module (150), and, when '' an online purchase made by providing the ID-FC identifier, the supply of the ID-FC identifier allows the management module (150) to recover the data associated with the ID-FC identifier from said database data.
    [13" id="c-fr-0013]
    13. System (100) according to the preceding claim, in which the security of the information linked to the debit of the first CBD account associated with the user ID-FC comprises transaction blocks and validation bodies different from the management module, the data security system being configured to perform the following steps using a digital data processing device:
    - At least one sending of information linked to the debit of the first CBD account associated with the user's ID-FC;
    - Grouping of at least one sending of information related to the debit of the first CBD account associated with the user's FC-ID in at least one block of the block chain;
    - Validation of information related to the debit of the first CBD account associated with the user's ID-FC in the plurality of storage nodes by validation bodies;
    - Addition of the information contained in the at least one block of the block chain in an event log accessible by all the users of the system;
    [14" id="c-fr-0014]
    14. System (100) according to the preceding claim, in which securing the information linked to the debit of the first CBD account associated with the user ID-FC comprises a final step of reception by a database of at least information allowing the debit of the first CBD account associated with the user ID-FC
    [15" id="c-fr-0015]
    15. System (100) according to one of the two preceding claims in which the validation bodies are chosen from users and suppliers of the database.
    [16" id="c-fr-0016]
    16. System (100) according to any one of the preceding claims, in which the first and second bank terminals are the same TB bank terminal.
    [17" id="c-fr-0017]
    17. System (100) according to any one of the preceding claims, in which the calculation module (155) is configured to generate promotional messages using at least Info-TB information relating to the bank transaction (101) and data from the associated with the identifier ID-FC.
    [18" id="c-fr-0018]
    18. System (100) according to the preceding claim wherein the customer's data is previously recorded in the database (265) or in a database accessible by the calculation module (155).
    [19" id="c-fr-0019]
    19. System (100) according to any one of the two preceding claims, in which the promotional messages are generated using in addition merchandise information from a merchant terminal TM.
    [20" id="c-fr-0020]
    20. System (100) according to any one of the three preceding claims, in which the calculation module (155) is coupled to a plurality of merchant terminals, the promotional messages being generated using merchandise information.
    [21" id="c-fr-0021]
    21. System (100) according to any one of the four preceding claims in which the calculation module (155) is configured to store promotional messages in the database (265).
    [22" id="c-fr-0022]
    22. System (100) according to any one of the five preceding claims, comprising at least one communication means configured to receive and broadcast the promotional messages sent by the calculation module (155).
    [23" id="c-fr-0023]
    23. System (100) according to any one of the preceding claims, in which the person holding the first CBD bank account is different from the person holding the second CBC bank account.
    1/4
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    同族专利:
    公开号 | 公开日
    FR3063370B1|2021-04-23|
    WO2018154082A1|2018-08-30|
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    WO2015049323A1|2013-10-01|2015-04-09|Buisson Gilles|System and method for processing a bank transaction|
    CA2980707A1|2014-03-25|2015-10-01|Botanic Technologies, Inc.|Systems and methods for executing cryptographically secure transactions using voice and natural language processing|CN109522363B|2018-10-18|2021-02-05|上海达家迎信息科技有限公司|Cloud platform synchronization method, system, equipment and storage medium based on block chain|
    CN109409882A|2018-10-18|2019-03-01|中国联合网络通信集团有限公司|A kind of credit accreditation storage method and device based on block chain|
    CA3057391A1|2019-03-04|2019-05-31|Alibaba Group Holding Limited|Methods and devices for providing transaction data to blockchain system for processing|
    法律状态:
    2018-02-23| PLFP| Fee payment|Year of fee payment: 2 |
    2018-08-31| PLSC| Publication of the preliminary search report|Effective date: 20180831 |
    2020-04-28| PLFP| Fee payment|Year of fee payment: 4 |
    2021-02-25| PLFP| Fee payment|Year of fee payment: 5 |
    2022-02-24| PLFP| Fee payment|Year of fee payment: 6 |
    优先权:
    申请号 | 申请日 | 专利标题
    FR1751493A|FR3063370B1|2017-02-24|2017-02-24|SYSTEM AND METHOD FOR PROCESSING A BANK TRANSACTION|
    FR1751493|2017-02-24|FR1751493A| FR3063370B1|2017-02-24|2017-02-24|SYSTEM AND METHOD FOR PROCESSING A BANK TRANSACTION|
    PCT/EP2018/054590| WO2018154082A1|2017-02-24|2018-02-23|System and method for processing a banking transaction|
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