EP3195224A1 - Procédés et dispositifs de gestion de transactions composites - Google Patents
Procédés et dispositifs de gestion de transactions compositesInfo
- Publication number
- EP3195224A1 EP3195224A1 EP15771997.2A EP15771997A EP3195224A1 EP 3195224 A1 EP3195224 A1 EP 3195224A1 EP 15771997 A EP15771997 A EP 15771997A EP 3195224 A1 EP3195224 A1 EP 3195224A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- transaction
- ancillary
- donation
- initiating
- parameter
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Ceased
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
- G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
- G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
- G06F3/0484—Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0279—Fundraising management
Definitions
- the present invention relates to the management of financial transactions made by debtors to creditors via bank accounts of the latter. More specifically, the invention relates to methods and devices for managing composite transactions, for example transactions involving payment and donation to a particular organization, performed using devices connected by a communication network.
- An essential feature of computer-implemented donation collection mechanisms is the quality of the interfaces for making donations so that a user is not inclined to discard an offer of donations for reasons of complexity, excessive time, uncertainty as to the amount, the beneficiary or the reliability of the procedure, etc.
- Figure 1 schematically illustrates an environment in which a donation collection mechanism can be implemented whereby a customer can make a micro-donation during a purchase, for example a donation of the difference between the price to be paid and this price rounded up to the next integer.
- the environment 100 allows a client 105 having a payment card to make purchases from a merchant with a computer infrastructure 1 10.
- the environment 100 includes here a system computer 1 15 linked to a merchant's bank, a computer system (not shown) linked to a customer's bank and a computer system 120 linked to a bank an organization 125 of the NGO type (acronym of Non-Governmental Organization).
- the merchant's IT infrastructure 1 10 here comprises, in particular, an accounting computer system 130, cash register software 135 associated with a cash register operated by a cashier and a payment terminal 140.
- the accounting computer system 130 and the software cash register 135 are connected to each other by a communication network, for example a network of Ethernet type implementing the IP protocol (abbreviation of Internet Protocol in English terminology).
- the computer systems linked to the banks are interconnected with the accounting computer system 130 and the payment terminal 140 by an Internet type communication network, the data exchanges being secured, for example by encryption.
- the donation collection mechanism is generally implemented primarily in the accounting computer system 130 of the merchant as well as in his cash register software.
- step ⁇ When a customer goes to the cash register to pay for his purchases (step ⁇ ), with an amount marked M, the cashier asks him if he wishes to donate an amount marked D (step ⁇ ) . If the customer refuses, the payment process continues in a conventional manner (not shown).
- step ® if the customer agrees to make a donation (step ®), the cashier presses a specific button to calculate a donation value based on the rounding up of purchases, passes a specific barcode to obtain a similar result or enter the donation amount using the cash register software (step ® ').
- This input is typically done by adding a particular reference to the list of product references purchased by the client, this particular reference designating a donation and allowing, if necessary, the seizure of a free amount by the cashier.
- T M + D.
- step (step)) the total amount (7) indicated on the receipt, the amount of the actual purchases (M) and the donation amount (D) are transmitted by the cash register software 1 35 to the computer system. Accountant 1 30 of the merchant.
- the cash register software automatically transmits the amount to pay (7) to the payment terminal 140. Alternatively, this amount is entered by the hostess. cash box on the payment terminal 140. If it is authorized, the customer validates the payment using his secret code.
- the merchant's accounting computer system 130 updates account journals in which the actual purchase amounts (M) and the donation amounts (D) are shown, typically by beneficiary organization.
- the separate management of the amounts of the actual purchases ⁇ M) and the amounts of the donations (D) is necessary for accounting reasons (for example related to VAT, acronym for Value Added Tax) and fiscal (especially for the calculation of the figure). in which donations must not be returned).
- the donations account log is used by the merchant to periodically pay, for example every month, the total amount of donations received on behalf of one or more organizations. Such payments are typically made by order of the merchant to his bank, the latter executing the transaction order (steps ⁇ and ⁇ '). The organization or organizations then have donations paid to perform their missions (step ®).
- the invention solves at least one of the problems discussed above.
- the subject of the invention is thus a method for managing a composite transaction comprising a main transaction and at least one ancillary operation, this method being implemented in a set comprising a device for initiating a transaction, a device for proposing at least one transaction. an annex operation according to characteristics of a main transaction and an ancillary operations management device, said device for proposing at least one ancillary operation being accessible by a plurality of devices for initiating a distinct transaction and by a plurality of management devices separate operations, this method comprising the following steps,
- step estimation of at least one parameter of said at least one annex operation, based on at least one predetermined rule, according to at least one piece of information received relating to said main transaction, said step estimation being implemented in said device to propose at least one additional operation;
- the method according to the invention thus offers the possibility of making donations during payment on a payment terminal without substantially modifying cash register software and accounting computer systems equipping merchants. Costs of computer implementation at merchants are therefore not significant (the same device for proposing at least one ancillary operation or the same system of management of request for donations can be used by systems of different merchants, systems of different banks and / or systems of different recipients of donations).
- the collection of donations is particularly rapid because of a number of operations that can be limited to a single entry type acceptance. In addition, cashiers are not asked to collect donations.
- the donation management method according to the invention allows the simplified installation in a large number of merchants as well as the control and traceability of donations.
- the method further comprises a step of selecting said at least one rule to estimate said at least one parameter of said at least one ancillary operation.
- the method further comprises a step of receiving an identifier of said device for initiating a transaction, said at least one rule for estimating said at least one parameter of said at least one subsidiary operation being selected according to said identifier of said device for initiating a transaction.
- the method further comprises an initial step of configuring at least one rule to estimate at least one parameter of at least one ancillary operation.
- said data transmitted to said ancillary operations management device in response to an indication of acceptance of said at least one annex operation further comprises said information relating to said main transaction.
- the method further comprises a step of transmitting a print command to said device for initiating a transaction, said print command for printing a receipt comprising said at least one parameter of said at least one ancillary operation and said at least one received information.
- a customer can keep a proof of a donation made through the printing of a ticket by a payment terminal that includes a reference.
- the latter allows the identification of the user on a computer system donation management allowing including access to a set of donations already made and download tax receipts.
- said print command also aims to print a reference to an identifier of a personal entity on said receipt.
- said data comprising at least said at least one parameter of said at least one annex operation further comprises said reference.
- the method further comprises a step of storing said at least one parameter of said at least one ancillary operation.
- the method further comprises a step for generating a transaction based on at least one previously stored parameter of at least one ancillary operation.
- the method further comprises a step for generating a summary of ancillary operations, said summary comprising at least one previously stored parameter of at least one ancillary operation.
- the method further comprises a step of encrypting at least one piece of data transmitted between said device for initiating a transaction and said device for proposing at least one ancillary operation or between said device for proposing at least one operation annex and said ancillary operations management device.
- the communication protocol between said device for initiating a transaction and said device for proposing at least one ancillary operation or between said device for proposing at least one ancillary operation and said ancillary operations management device complies with to an IP type standard.
- the invention also relates to a computer program comprising instructions adapted to the implementation of each of the steps of the method described above when said program is executed on a computer and a system comprising means adapted to the implementation of each of the steps of the method described above.
- a computer program comprising instructions adapted to the implementation of each of the steps of the method described above when said program is executed on a computer
- a system comprising means adapted to the implementation of each of the steps of the method described above.
- FIG. 1 schematically illustrates an environment in which can be implemented a mechanism for collecting donations allowing a customer to make a micro-donation during a purchase, for example a gift of the difference between the price to pay and this price rounded up to the next integer;
- FIG. 2 diagrammatically illustrates an environment in which a particular embodiment of the invention can be implemented as well as certain steps of an exemplary method according to the invention
- FIG. 3 diagrammatically represents a payment terminal element comprising a screen on which several choices of donations are offered to a user
- FIG. 4 schematically illustrates a standard example of payment by payment card in an infrastructure comprising a payment card, a payment terminal as well as banking computer systems related to the debtor and the creditor;
- FIG. 5 illustrates an exemplary information processing device adapted to implement, at least partially, an embodiment of the invention.
- a mechanism for managing computer-implemented composite transactions uses several devices including a set of third-party devices to isolate at least partially specific elements of the management of composite transactions.
- a composite transaction here includes a main transaction and at least one side operation.
- the latter or the latter typically involve amounts and beneficiaries different from those of the main transaction.
- a transaction is a commercial transaction for the part that is the subject of a particular embodiment of the invention, a transfer of a monetary sum between a debtor and a creditor.
- a composite transaction may include the settlement of a purchase (main transaction) combined with a donation (ancillary transaction).
- the management of donations is essentially entrusted to two separate servers, one for the purpose of managing requests for donations, called computer system for managing requests for donations or more generally device for proposing at least one ancillary operation, and the other the management of the donations themselves, called the donation management computer system or more generally the ancillary operations management device.
- FIG. 2 schematically illustrates an environment in which a particular embodiment of the invention can be implemented as well as certain steps of an exemplary method according to the invention.
- the environment 200 here comprises an assembly including a cash register software 202, a payment terminal 205 (more generally called a device for initiating a transaction), an accounting computer system 210, a computer system for managing requests for donations 215 and a system 220.
- the cash register software 202, the payment terminal 205 and the accounting computer system 210 belong to the merchant 225.
- the cash register software 202 and the payment terminal 205 as well as the cash register software 202 and the accounting computer system 210 are connected by a private or public communication network, for example an Ethernet network or the Internet network.
- the payment terminal 205 is here also connected to the computer system for managing requests for donations 215, for example an Ethernet network or the Internet network, enabling real-time data exchange.
- the computer system for managing requests for donations 215 and the donation management computer system 220 are here accessible via a public communication network, for example the Internet, to be accessible by computer systems of different merchants and different users ( ie customers).
- a public communication network for example the Internet
- the communication protocols between these different devices are preferably chosen from standard protocols, for example the IP and X.25 protocols.
- the environment 200 further comprises a bank intermediation network 230, for example the banking intermediation network MasterCard, Visa, GIE Bank Card, SWIFT, STET or Target 2 (MasterCard, Visa, GIE Bank Card, SWIFT, STET and Target 2 are trademarks), as well as computer systems for managing bank accounts 235 to 250 respectively associated with a customer, the merchant having the cash register software 202, the payment terminal 205 and the computer accounting system 210, with a third party in charge of the management of donations and to an organization receiving donations.
- a bank intermediation network 230 for example the banking intermediation network MasterCard, Visa, GIE Bank Card, SWIFT, STET or Target 2 (MasterCard, Visa, GIE Bank Card, SWIFT, STET and Target 2 are trademarks), as well as computer systems for managing bank accounts 235 to 250 respectively associated with a customer, the merchant having the cash register software 202, the payment terminal 205 and the computer accounting system 210, with a third party in charge of the management of donations and to an organization receiving donations.
- the data exchanged between the cash register software 202, the payment terminal 205, the computer accounting system 210, the computer system for managing donation requests 215, the computer system for managing donations 220, the banking intermediation network 230 and the bank account and transaction management computer systems 235 to 250 are transmitted in the form of encrypted messages using standard algorithms, for example algorithms based on the use of private keys and public keys, including RSA type algorithms (Ronald Rivest, Adi Shamir and Leonard Adleman), in packets. Alternatively, only certain exchanges are encrypted according to their nature and / or according to the source and / or destination devices.
- an initial step is intended to configure the donation request management computer system 215.
- Such a configuration notably comprises the definition of one or more rules associated with one or more payment terminals.
- payment typically all payment terminals of the same merchant, defining a method of calculating the amount of gifts and associating a gift to a recipient, for example an NGO-type organization.
- These rules are typically applied according to parameters received, for example according to a value received (e.g., transaction amount), and / or an identifier of the device from which these data (i.e. issuer of the message comprising these data) are received.
- a value received e.g., transaction amount
- an identifier of the device from which these data i.e. issuer of the message comprising these data
- Each rule is here defined by an identifier (column 1), an identifier of a payment terminal or a group of payment terminals (column 2), a donation calculation mode (column 3) and an identifier of beneficiary or group of beneficiaries (column 4).
- the distribution of a donation between them can be predetermined or left to the discretion of a user (including selecting a single beneficiary in the group).
- the rule having the identifier 2 applies to the payment terminal or the group of payment terminals having the identifier G53391, the beneficiaries being for a first half of a donation a beneficiary having the identifier 1 and for the second half of the donation a beneficiary with the identifier 2.
- the amount of the donation is here determined according to the amount of purchases (0.5%) or in a lump sum ( € 5), the smallest value being retained.
- the setting up of these rules can be done by a protected access to the computer system for managing requests for donations 215.
- a merchant can access, using an identifier of a payment terminal or a payment terminal. a group of payment terminals and a password, to all the rules associated with this identifier, that is to say a subset of the stored rules.
- Rule access allows you to add, edit, or delete rules. Access can be done from any computer (or equivalent) connected to the computer system for managing requests for donations 215 via a communication network such as the Internet and via a web-like portal.
- a communication link or a communication session is established between the payment terminal 205 and the computer system for managing requests for donations 215.
- the communication link is established automatically after entering, obtaining or validating the amount M purchases.
- the payment terminal comprises an address of the computer system for managing requests for donations 215, for example a URL link (abbreviation 'Uniform Resource Locator in English terminology) associated with an access command called as soon as an amount is entered, obtained or validated.
- the computer system for managing donation requests 215 can be accessed from different payment terminals managed by different merchants, that is to say by different payment terminals having no links between them.
- the amount M of the purchases as well as an identifier of the payment terminal and the transaction are transmitted by the payment terminal. 205 to the grant request computer system 215 (step ⁇ ).
- the amount M of the purchases as well as the identifier of the payment terminal are transmitted in the form of a message to a predetermined address or to a dynamically determined address, for example using a DNS type mechanism (acronym Domain Name System in English terminology).
- the donation request management computer system 215 determines the applicable donation calculation rule or rules, in particular according to the identifier received from the payment terminal, and calculates one or more donation values. This or these values are then transmitted to the payment terminal, each value being associated with a beneficiary denoted b (step ⁇ ').
- the donation value (s) and the corresponding beneficiaries are then preferably displayed on a screen of the payment terminal to enable the client to validate a donation proposal, to select and validate a donation proposal from among several, to freely enter an amount. donate or pay for purchases without making a donation.
- the selection or refusal of a donation is made by a single touch of a key of the payment terminal (or a device connected thereto).
- a payment terminal can be deported, for example on a smartphone device or a website, to allow a user to view and / or validate choices on his own device.
- FIG. 3 schematically represents a payment terminal element comprising a screen on which several choices of donations are offered to a user.
- the payment terminal element 300 here comprises a set 305 of keys and a screen 31 0.
- the screen displays a message offering the possibility to a user to make a donation of € 0.54 to the Red Cross or the Restos du C ⁇ urs (the Red Cross and the Restos du C ⁇ urs are trademarks) or to pay for purchases without making a donation.
- a pressure on the key 1, referenced 330 has the effect of the payment of a donation of 0.54 € to the Red Cross
- a pressure on the key 2 , referenced 335 has the effect of paying a donation of € 0.54 to Restos du C ⁇ urs
- pressing the A key, referenced 340 has the effect of paying for its purchases without making a donation.
- the validation of purchases is made by entering a PIN associated with the card used or by any other means biotechnology (eg fingerprints).
- biotechnology eg fingerprints
- the PIN can be a code associated with an identifier previously obtained from the user.
- the withdrawal of the amount T from the user's bank account and the credit of an equivalent amount from the merchant's bank account is advantageously effected in a conventional manner as described with reference to FIG. 4 (step)).
- the payment terminal 205 addresses, if necessary, an indication of acceptance of donation to the computer system for managing requests for donations 21 5, typically in the form of a message including the value (s) of the gift and the selected beneficiary (step)).
- the computer system for managing requests for donations 21 5 preferably returns a command for printing a ticket containing the details of the operation, that is to say the total payment made and its distribution. between the payment of purchases and the donation made (step '). On receipt of this order, the payment terminal prints this ticket which is given to the user.
- the print order of a ticket is transmitted with a card reference (Rc) associated with the payment card used, this card reference being preferably determined by the payment terminal from an identifier or a card number (for example by applying a hash function on the card number).
- Rc card reference
- a person identifier (I Dp) is given to each user when he / she is registered on the donation management computer system 220 (the entry typically comprising the creation of a user profile).
- the card reference provided on the ticket can be used for this registration which can be performed, for example, via a web interface.
- the creation of a profile may be subject to the provision of additional information, for example, in addition to providing the card reference, the user may be asked to give the last six digits of the number. the payment card (from which a card reference can be generated that will be compared to that received to validate it).
- a password is advantageously associated with the person identifier to secure access to data relating to this donor.
- a profile is created. It includes the card reference, other credit card references that can be associated with this profile.
- the person identifier enables a donor to connect to the donation management system 220, for example via a web page, and to obtain information relating to the history of donations made, download the tax receipts for the amounts of the donations accumulated on all of his cards or receive information from the beneficiary associations of his enjoyment.
- the person identifier and the associated profile are preferably known only from the donation management computer system 220 (Le., They are not known to the payment terminal 205 or the computer system for managing requests for donations 215 ).
- the payment terminal sends the donation request processing computer system 215 a reference of the payment card used with the donation acceptance indication.
- the donation management computer system 220 can retrieve a previously created person identifier (the donation management computer system 220 stores the links between a person identifier and one or more card references, for example in a table). If no person ID is found, the donation data is stored for later processing after the creation of a user profile associated with the corresponding card reference.
- the computer system for managing requests for donations 215 stores the amount of the purchases M and the amount of the donation D made in a donation journal.
- the latter comprises, for each transaction carried out, a transaction reference, an identifier of a payment terminal or a group of payment terminals, a reference Rc of payment card, an amount M of purchases, an amount of donation (s) made and the associated beneficiary (s) (it being observed that the amount of a donation may be divided among several beneficiaries).
- FIG. 2 An example donation log from a donation request management computer system is shown in the Appendix (Table 2).
- the log line for the transaction identified by reference 2 corresponds to a transaction made from a payment terminal or a group of payment terminals identified by reference G53391 for the donor who used the transaction. a card with the reference 023, the amount of purchases made being € 87.45 and the amount of the gift of € 0.44 divided equally between the beneficiaries identified by references 1 and 2.
- an identifier of a payment terminal or a group of payment terminals, a reference Rc to a payment card, an amount M of purchases, a donation amount (s) made and the associated beneficiary (s), the donation journal may, optionally (not shown), include the amount T of the payment, representing the amount of M purchases and the amount of the donation (s) made.
- the donation journal is transmitted periodically, for example every hour or night, to the donation management computer system 220 (step)) where it is stored. After transmission to the donation management computer system, the donation journal stored in the donation management computer system 220 is reset (however, a copy is preferably kept).
- the donation management computer system 220 then analyzes the donation journal to extract the parts relating to a particular computerized accounting system, for example the computer accounting system 210, that is to say the computerized accounting system associated with a terminal. payment or to a group of payment terminals.
- the extracted parts relating to a particular accounting computer system are here transmitted to the latter to allow him to perform an accounting reconciliation (step ®).
- the donation management computer system 220 calculates, for a particular accounting computer system, the sum of the donations made by customers to payment terminals associated with it, dénoté ⁇ D. This calculation is made from the purchase journal, by cumulating donations associated with the same payment terminal or the same group of payment terminals. A request for collection or payment of this amount is then sent to this accounting computer system to credit this amount a bank account associated with the computer system donation management (step ®).
- the donation management computer system 220 calculates, for each beneficiary, the sum of the donations to be returned to him. Again, this calculation is done from the donation journal, accumulating donations associated with the same beneficiary.
- the donation journal stored in the donation management computer system 220 is preferably updated following the transfer of donations. However, a history is kept to allow the traceability of donations and establishment, if necessary, of tax records.
- the computer system donation management 220 calculates, for a particular user, for some or for all users, the sum of donations paid during a given period, typically a fiscal year. Again, this calculation is done from the donation journal, accumulating donations associated with the same user.
- the implementation of the solution described with reference to FIG. 2 requires the creation of a computer system for managing requests for donations and a computer system for managing donations as well as the creation of interfaces. .
- the following interfaces are created:
- the data exchange interfaces are based on usual communication protocols and use standard encryption algorithms.
- these exchanges can use the IP protocol combined with an encryption of data by private keys and public keys of the RSA type.
- Figure 4 schematically illustrates a standard example of payment by payment card in an infrastructure including a card payment terminal, payment terminal and bank computer systems related to the debtor and the creditor.
- a payment scheme is also known as a four-corner credit card payment model.
- This payment scheme or a similar scheme can in particular be used for transfers of money between a cardholder's account and a merchant's account as referred to with reference to FIG. 2.
- This payment scheme can be used, like the traditional schemes used for checks, transfers and withdrawals, for money transfers between the accounts of a merchant (referenced 240 in Figure 2), a donation manager (referenced 245 in Figure 2) and a beneficiary association (referenced 250 in Figure 2).
- a customer provided with a payment card 400 for example a Visa-type card (Visa is a brand), here settles a purchase from a merchant with a payment terminal 405.
- the payment card is associated with a bank account 410 (customer account) managed by a computer system 415 of a bank (typically the bank having issued the bank card or on behalf of which the bank card has been issued).
- the payment terminal 405 is associated with a bank account 420 (merchant account) managed by a computer system 425 of a bank.
- a customer presents his credit card to a payment terminal of a merchant to which the amount has been transmitted manually or automatically (step ⁇ ).
- the payment terminal After validation of the purchase by the customer, for example by entering a PIN or PIN (acronym for Personal Identification Number in English terminology), the payment terminal typically makes a request for authorization that is transmitted to the computer system 41 5 of the bank of the cardholder via the computer system 425 of the merchant bank and a banking intermediation network 435 (step ⁇ and ®).
- the message is advantageously encrypted and includes the identifiers of the customer and the merchant as well as the amount to be transferred.
- a transfer acceptance message is sent by the computer system 415 of the customer's bank to the customer. 425 computer system of the merchant's bank (step ⁇ ).
- a credit message is transmitted by the computer system of the merchant's bank to the address of the computer system of the bank managing the bank account with which the payment card used is associated (step ⁇ ), i.e. here to the computer system 415, via the bank intermediation network 435.
- This message is preferably encrypted.
- the banking intermediation network 435 may be, for example, the banking intermediation network MasterCard, Visa, GIE Bank Card , SWIFT, STET or Target 2).
- the merchant's account 420 is then credited with the transferred amount (step)) while the customer's account 410 is debited by the same amount (step)), typically in a deferred manner.
- the encryption used for data exchange is, for example, encryption using a public key and a private key, for example an RSA type encryption.
- FIG. 5 illustrates an exemplary device that can be used to implement, at least partially, one embodiment, in particular the steps described with reference to FIGS. 2 and 4.
- the device 500 is for example a server, a computer or a device. personal assistant.
- the device 500 preferably comprises a communication bus 502 to which are connected:
- CPU Central Processing Unit
- ROM Read Only Memory
- RAM Random Access Memory
- cache memory 508 comprising registers adapted to record variables and parameters created and modified during the execution of the aforementioned programs
- a reader 510 of removable storage medium 512 such as a memory card or a disc, for example a DVD disc;
- a graphic card 514 connected to a screen 516.
- the device 500 may also have the following elements:
- a hard disk 520 which may comprise the aforementioned "Prog" programs and data processed or to be processed according to the invention
- a communication interface 526 connected to a distributed communication network 528, for example the Internet network, the interface being able to transmit and receive data.
- the communication bus allows communication and interoperability between the various elements included in the device 500 or connected to it.
- the representation of the bus is not limiting and, in particular, the central unit is able to communicate instructions to any element of the device 500 directly or via another element of the device 500.
- the executable code of each program enabling the programmable device to implement the processes according to the invention can be stored, for example, in the hard disk 520 or in the read-only memory 506.
- the executable code of the programs can be received via the communication network 528, via the interface 526, to be stored in the same manner as that described previously.
- program or programs may be loaded into one of the storage means of the device 500 before being executed.
- the central unit 504 will control and direct the execution of the instructions or portions of software code of the program or programs according to the invention, instructions which are stored in the hard disk 520 or in the read-only memory 506 or else in the other elements of aforementioned storage.
- the program or programs that are stored in a non-volatile memory, for example the hard disk 520 or the read-only memory 506, are transferred into the random access memory 508 which then contains the executable code of the program or programs according to the invention, as well as registers for storing the variables and parameters necessary for the implementation of the invention.
- the invention also relates to a method for managing a composite transaction relating to a single transaction, the amount of which is the sum of an amount of a main transaction and an amount of at least one ancillary transaction, this method being characterized in that it is implemented in a set comprising a device (205) for initiating a transaction, a device (215) for proposing at least one ancillary operation according to characteristics of a main transaction and a device (220) of ancillary operations management, said device for proposing at least one ancillary operation being accessible by a plurality of devices for initiating a distinct transaction and by a plurality of separate subsidiary operation management devices, and in that it comprises the following steps,
- receiving information relating to said main transaction including an indication of the amount of the main transaction, said information being received from said device for initiating a transaction by said device to provide at least one side operation;
- step estimation of at least one parameter of said at least one annex operation whose amount of said at least one annex operation, from at least one predetermined rule, according to at least one information received relating to said main transaction, said step estimation being implemented in said device to propose at least one additional operation;
- said at least one annex operation comprises a plurality of ancillary operations, said method further comprising a step of calculation, by the ancillary operations management device, of the sum of the amounts of the subsidiary operations of said plurality and a step of initiating a transaction whose amount is equal to the calculated amount, to debit the amount of said transaction of said second account.
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Entrepreneurship & Innovation (AREA)
- Economics (AREA)
- Game Theory and Decision Science (AREA)
- Marketing (AREA)
- General Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Human Computer Interaction (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Medical Treatment And Welfare Office Work (AREA)
Abstract
Description
Claims
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR1458676A FR3025915B1 (fr) | 2014-09-15 | 2014-09-15 | Procedes et dispositifs de gestion de transactions composites |
PCT/FR2015/052472 WO2016042258A1 (fr) | 2014-09-15 | 2015-09-15 | Procédés et dispositifs de gestion de transactions composites |
Publications (1)
Publication Number | Publication Date |
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EP3195224A1 true EP3195224A1 (fr) | 2017-07-26 |
Family
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Family Applications (1)
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EP15771997.2A Ceased EP3195224A1 (fr) | 2014-09-15 | 2015-09-15 | Procédés et dispositifs de gestion de transactions composites |
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US (2) | US20180225663A1 (fr) |
EP (1) | EP3195224A1 (fr) |
CN (1) | CN107209887A (fr) |
AU (1) | AU2015316635A1 (fr) |
BR (1) | BR112017004962A2 (fr) |
FR (1) | FR3025915B1 (fr) |
MX (1) | MX2017003424A (fr) |
WO (1) | WO2016042258A1 (fr) |
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CN108985741B (zh) * | 2018-07-19 | 2021-06-01 | 南京市公安局建邺分局 | 一种警务平台资金流水自动查询追踪方法 |
JP2020034864A (ja) * | 2018-08-31 | 2020-03-05 | 京セラドキュメントソリューションズ株式会社 | 画像形成装置 |
US11721156B2 (en) * | 2020-06-12 | 2023-08-08 | Juan Carlos Vera | System and method of setting and charging a fixed donation amount |
US20220301039A1 (en) * | 2021-03-16 | 2022-09-22 | ELP Global LLC | Location-based system for charitable donation |
Citations (1)
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WO2003052709A1 (fr) * | 2001-12-14 | 2003-06-26 | Pohl Angus | Procede informatique automatise de collecte de petite monnaie |
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US6088682A (en) * | 1993-02-18 | 2000-07-11 | Every Penny Counts, Inc. | Funds distribution system connected with point of sale transactions |
US5466919A (en) * | 1993-04-02 | 1995-11-14 | Hovakimian; Henry | Credit/charge card system enabling purchasers to contribute to selected charities |
US7542919B1 (en) * | 1997-03-21 | 2009-06-02 | Walker Digital, Llc | Method and apparatus for selecting a supplemental product to offer for sale during a transaction |
US20040034563A1 (en) * | 1998-11-18 | 2004-02-19 | Brissette Edward C. | System and method for making charitable donations |
MXPA01013136A (es) * | 1999-06-23 | 2004-06-03 | Postrel Richard | Sistema para permuta electronica para negociar y recuperar puntos acumulados en programas de recompensa por uso frecuente. |
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EP1136931A1 (fr) * | 2000-03-20 | 2001-09-26 | Roundit Inc. | Système d'incitation au patronage, et méthode de commerce au détail basée sur internet |
US6307812B1 (en) * | 2000-03-27 | 2001-10-23 | Michael S. Gzybowski | Security system using modular timers |
US20020120539A1 (en) * | 2000-11-20 | 2002-08-29 | Price Cynthia L. | Method and system for distributing charitable donations at a point of sale to qualified donees |
US20020116214A1 (en) * | 2001-02-16 | 2002-08-22 | Horn James Van | Automated fundraising accounting system |
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US20030065572A1 (en) * | 2001-09-28 | 2003-04-03 | Mcnee Carolyn | Charity donation method |
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2014
- 2014-09-15 FR FR1458676A patent/FR3025915B1/fr active Active
-
2015
- 2015-09-15 EP EP15771997.2A patent/EP3195224A1/fr not_active Ceased
- 2015-09-15 AU AU2015316635A patent/AU2015316635A1/en not_active Abandoned
- 2015-09-15 WO PCT/FR2015/052472 patent/WO2016042258A1/fr active Application Filing
- 2015-09-15 MX MX2017003424A patent/MX2017003424A/es unknown
- 2015-09-15 US US15/511,037 patent/US20180225663A1/en not_active Abandoned
- 2015-09-15 BR BR112017004962-7A patent/BR112017004962A2/pt not_active Application Discontinuation
- 2015-09-15 CN CN201580056121.0A patent/CN107209887A/zh active Pending
-
2016
- 2016-01-11 US US14/992,228 patent/US10776782B2/en active Active
Patent Citations (1)
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WO2003052709A1 (fr) * | 2001-12-14 | 2003-06-26 | Pohl Angus | Procede informatique automatise de collecte de petite monnaie |
Non-Patent Citations (1)
Title |
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See also references of WO2016042258A1 * |
Also Published As
Publication number | Publication date |
---|---|
FR3025915B1 (fr) | 2018-04-20 |
FR3025915A1 (fr) | 2016-03-18 |
US10776782B2 (en) | 2020-09-15 |
BR112017004962A2 (pt) | 2018-04-10 |
MX2017003424A (es) | 2018-08-01 |
CN107209887A (zh) | 2017-09-26 |
US20160125482A1 (en) | 2016-05-05 |
WO2016042258A1 (fr) | 2016-03-24 |
US20180225663A1 (en) | 2018-08-09 |
AU2015316635A1 (en) | 2017-05-04 |
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