CZ200769A3 - Method of carrying out payment services in trade network and payment system for making the same - Google Patents

Abstract

According to the method, the client sends the electronic order to the service provider from his computer (1), which registers the order and generates a web page for the payment channel at the POS terminals (7) with payment details - paid amount, payment identification, payee code and payment details bar code including payment details its numerical form, so the payment data can be marked or physically removed by the client outside the communication medium and printed. The payment data is loaded into the POS terminal (7), which verifies the validity of the bar code and the payee code and, in the case of a positive result, the order is transferred to the central lottery data center (5) of the payment operator and the data stored is stored in the transaction file and each transaction is assigned internal identifier and system code, and at the same time the request is stored in a shift register with adjustable delay time. Based on the data center response (5) and the payment of the corresponding amount by the client, the POS terminal (7) prints a payment receipt and proof of payment of the transaction fee. Upon expiry of the set delay, the payment operator sends unsorted orders from the data center (5) to the service provider's system (3), which generates and makes payment documents available to the clients on the website and sends the client an original service document based on the payment of the money amount. The system comprises a POS network terminal (7) of the payment lottery operator's central lottery system, each of which is online connected to a central lottery system data center (5), which is online connected to a service provider system (3) connectable online via the internet (2) to a computer (1) the customer and at the same time the datacentre (5) o

Description

of this method (57)

Depending on the method, the client sends an electronic order from his computer (1) to the service provider, who registers and generates the order for the payment channel at POS terminals (7) a website with payment details - amount paid, payment identification, payee code and barcode with payment details including its numerical form so that payment data can be recorded or physically removed by the client outside the communication medium and printed. Payment data is uploaded to the POS terminal (7), which verifies the validity of the barcode and payee code, and in the event of a positive result, the order is transferred to the payer's central lottery data center (5) and stored data is stored in the transaction file and assigned internal identifier and system code, while the request is stored in a shift register with an adjustable delay time. Based on the response of the data center (5) and the payment of the relevant amount by the client, the POS terminal (7) prints a confirmation of payment and a proof of payment of the transaction fee. Upon expiry of the set delay, the payment provider sends non-canceled orders from the data center (5) to the service provider's system (3), which generates and makes available payment documents to clients and sends the original documentary service to the client based on payment information. The system comprises a network of POS terminals (7) of the payer's central lottery system, each of which is online connected to a central lottery system data center (5) connected online to a service provider system (3) connectable online via internet (2). (1) customer and simultaneously data center (5) offline connected to system (3) service provider and accounting center (4) payment service provider offline connected to partner bank (6) payment service provider offline connected to system (3) service provider .

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VV11691 / 105

A method of performing payment services in a commercial network and a payment system for performing this method

Technical field

The invention relates to the execution of payment services in a commercial network via a communication medium such as the Internet.

BACKGROUND OF THE INVENTION

Various systems and methods for making purchases or payments for services via a communication medium such as the Internet are known. Most merchants require that the buyer provide details of the credit card or other financial institution to identify the customer in addition to the purchase information.

Internet trading is known, which takes place through the technical means of a person who has access to the Internet, with a trading company that has its database of products and services and their prices are accessible via the Internet. The transaction is carried out in such a way that the Internet user connects with the database of the company, selects the goods and confirms the selection with the method of payment. Payment can be cash on delivery upon receipt of goods or by credit card or bank transfer. The consumer can repay the invoice in various forms. For example, the payment may be sent to the payee within a specified period after receipt of the invoice, or payment may be made by credit card or cash at the vendor's designated location (supplier's office, sales organization offering the product or service for sale, etc.). If an Internet user is also a bank client and makes a payment by bank transfer, he or she first disconnects from the company's technical funds and joins the bank's technical funds to issue a bank transfer order where the bank transfers the amount from its client's account to the business account. informs the company and both parties of the transfer. The method is complicated. First, goods and / or services are selected, and then payment is made in the manner that the client considers most appropriate and least risky. There are clients who are convinced of the security of the executed transaction only when their technical means communicate with the bank's technical means in a perfectly secure way. Then 44 • 444 • «4 4 4 * 4 44 4

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Z 444444 44 444 44 4 uses an improved method whereby the client's technical means are connected via the Internet to the technical means of the bank, from which corporate technical means containing a database of products and / or services of the commercial company that is also the client of the bank are accessible. The client enters through the bank through the bank into the database of products and services of the trading company, where he makes the required selection and confirms the selection. This confirmation evaluates the bank's technical funds as a payment order and after the client's authorization of the order, transfers the financial amount from the client's account to the company account and informs both parties of the transfer.

The client's equipment may also be of a mobile nature, for example of the GSM type. In addition to the client and merchant in the transaction, there is a third element that verifies the identity of both the client and the merchant and ensures payment of the ordered offer through the bank. The client can also work with a payment bank card.

Consumers may also make payments for special transactions such as paying bills through agents located in different locations (such as sales organizations, shopping centers, etc.) and associated with different lenders and / or suppliers.

A method of payment in electronic commerce through an electronic payment agreement agency between the payer and the payee is known, comprising connecting the customer to the payee's electronic catalog via the Internet; the payer's consent to the agency's access to the payer's bank account; ordering the payer towards the consignee and creating a payment agreement by the agency; providing confirmation by the Agency that the transaction between the payer and the payee is effective; and transferring the deposits from the payer bank account to the payee bank account through the bank's financial network.

Using a credit card or other electronic payment instrument will facilitate the quick processing of your purchase, as payment can be made online at the time of purchase.

The buyer, however, is suspicious, provided he takes action against the misuse of data and gives only the necessary details of the credit card or financial institution. While the hacker may interfere with payment communication and obtain credit card or financial institution details, the merchant who receives payment details may not keep those details secure. Usually, the buyer is reluctant to provide personal information, including a bank or credit account or credit card details, to a third party or merchant to maintain personal privacy. For some purchases, anonymity is required and the buyer does not want the third party to know what was purchased and from whom. All of this makes Internet trading more difficult.

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On the other hand, providing credit card or other financial institution details is not mandatory when paying in cash or by check.

A payment method is known which allows a customer to make a payment with a minimum of work and time without registering card data that could be misused by third parties.

The customer pre-registers only the address, name, telephone number and e-mail address with the seller. The recipient of the order will send the document with the fee specified therein to any cash payment organization familiar to the customer, or it has transmitted the orders to be printed by the payment organization. The organization saves or delivers the order to the customer's home. The customer pays the fee in person at the organization or pays the delivery fee. The organization will notify the recipient that the payment has been completed. Upon receipt of the message, the recipient of the order releases the barrier provided to prevent the illegal download of the address, name, telephone number and e-mail address pre-registered by the customer who has paid the cost of allowing the download.

A purchasing and payment system is known where, upon receipt of a purchase request from a customer's computer on a merchant computer, the merchant ' s software connects the customer's computer to the computer generating the payment identifier and transfers merchant and purchase data to the computer. such that the identifier can be physically removed by the customer outside the personal payment communication medium at the remote payment organization. When the personal payment is made, the merchant is notified, and the purchased goods or services can then be delivered by the merchant. The system and method eliminates the uncertainty associated with making an on-line credit card payment with the provision of personal data, etc. via a communication medium. The payment organization can be a respected organization with which the buyer can feel good when revealing his credit card or other details. Typically, the payment organization may be a post office,

Known payment devices for service provision are designed as separate service payment systems using a special terminal. It is an object of the present invention to provide a system that utilizes a payment channel using the lottery terminals of a central lottery system to make a single integrated unit with the payment system of a payment provider.

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SUMMARY OF THE INVENTION

The method of making the payment according to the invention consists in that the client connects to the website of the provider of goods and / or services via the Internet, fills in the electronic form of the selected service with the payment method through the POS terminal and sends it to the provider. for the selected payment channel, a website with payment details - payment amount, payment identification, payee code and barcode with payment details, including its numerical form, for personal payment of the client at the POS terminal of the central lottery system of the payment provider; The POS terminal verifies the validity of the barcode and the payee's code and in case of a positive result, the request for payment is transferred to the data center of the payment system's central lottery system and the loaded data is stored in the transaction file. and each transaction is assigned an internal identifier and system code, and the request is stored in a shift register with adjustable delay time, and based on the data center response and payment of the amount by the client prints the POS terminal for the client after expiry of the set delay, the payment operator sends non-canceled requests from the data center register to the service provider's system, which acknowledges the incoming transactions and generates and makes the payment documents available to clients after recording and processing. Client's original proof of service.

The data is loaded into the POS terminals by reading the barcode from the customer printed payment documents via the terminal reader, entering the payment slip data 7 or entering the data manually.

The payment transaction can be canceled within the specified time limit, the cancellation request is recorded in the transaction file and at the same time removed from the shift register with an adjustable delay time.

From the transaction file, the operator generates payment extracts of transactions executed in the form of daily transaction and weekly accounting files (TRL) and (ACC) from the transaction file, the daily file is transferred offline to the service provider system which responds to the file transfer by sending a differential file created online communication of the service provider with the customer with the daily transaction file and the weekly file is transferred offline to the system service provider after it has been authorized by the service provider

The daily file (TRI) and the weekly file (ACC) are transferred to the payee's accounting center, which generates payment orders for billing the service to the payee's partner bank, which transfers offline finance and account statements to the service provider's system.

The Client may file a complaint with the Service Provider's contact point, using the system code to confirm the payment to match the complaint and the transaction.

The payment system for performing the method comprises a network of POS terminals of the payer's central lottery system, each of which is connected to an on-line central lottery system data center connected online to a service provider system connectable online via the Internet to the customer's computer. the service provider system and the payee's accounting system offline connected to the payee's partner bank offline connected to the service provider system.

The solution according to the invention is a combination of an Internet order with payment via a lottery terminal of a central lottery system. The advantage of this solution is to eliminate the client's distrust of paying on the Internet because it includes a lottery terminal of the central lottery system as a payment channel. Payments are made in personal contact with the terminal operator and the money is collected by a trusted company, eliminating the risk of the customer losing his money.

The system consists of one integrated unit with ticking system.

BRIEF DESCRIPTION OF THE DRAWINGS

1 schematically shows the technical solution of the system according to the invention, FIG. 2 shows the application structure of the system.

DETAILED DESCRIPTION OF THE INVENTION

The method of the invention will be elucidated by way of example of a method of making initial payments for insurance products negotiated via the Internet.

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1 and 2, the system consists of a combination of Internet orders and payment via a lottery terminal of the central lottery system. It comprises at least one client computer 1 over the Internet 2 online connected to the service provider system 3. This system 3 is connected online to the payer's data center 5, connected online to the POS terminal 7 network of the payer's central lottery system. The data center 5 is also offline connected to the service provider system 3 and the payment provider's accounting center 4, which is connected offline to a partner bank 6, offline connected to the service provider system 3.

For cell-to-cell communication, the system has an online branch between POS terminals 7, data center 5 and service provider system 3 and an online branch between service provider and customer over the internet 2 and offline branch between data center 5 and payment system accounting system 4; system 3 of the service provider connected to the data center 5.

The procedure is as follows:

The client and his computer 1 connect via the Internet 2 to the service provider's website where the service provider distributes selected products electronically. The Client fills in the relevant electronic form of the selected insurance product and chooses the method of payment through the POS terminals 7 of the lottery system of the payment provider.

The service provider will register and request a premium payment website for the selected payment channel with the following payment details: amount paid, variable symbol to identify the payment, payee code, and bar code for payment at the POS terminals of the payment provider.

The barcode contains the payment details above and is accompanied by an even number of check marks. The barcode information is simultaneously presented under the barcode numerically, including the check mark. The 2/5 Interleaved barcode will be used, where the first field will contain the code to distinguish the payee - payments to the payee at the POS terminal based on the Internet payment details; the second field shall contain the variable contract symbol or payment identification number; the third field will contain the amount to be paid; the fourth field of the service character and the fifth field of the control character for automatic validation of the loaded data.

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The client will be able to print or note the payment details including the bar code. Barcode printing will be provided in proportions to meet the criteria for scanning by barcode readers at POS terminals.

The client then proceeds to pay the amount for the product at the selected POS terminal 7.

The operator of the terminal 7 loads the data into the terminal 7 by reading the barcode information using a barcode reader (the terminal application automatically validates the loaded data by comparing the barcode reader with its checksum) or by inserting a payment slip with completed payment details. The emergency data entry means is manual entry from the terminal keypad, for example in the case of a reader failure or absence of a payment slip, where the operator enters numerically the information contained in the barcode and the terminal automatically checks the correctness of the manually entered barcode number.

The POS terminal 7 verifies the validity of the bar code and the recipient code. If the result is incorrect, the terminal displays an error message and the transaction processing is stopped.

In the event of a positive result, the client pays in cash for the transaction at the POS terminal 7 and the transaction data is transferred online from the POS terminal 7 to the payee operator's lottery system data center 5. In data center 5, the data is written to a TMF transaction file and is simultaneously stored in a FIFO shift register. This register provides an artificial transaction delay with a parametrically adjustable delay time. The purpose of the delay is to delay the transaction before it is sent to the service provider's system to deal with the cancellation request.

Each transaction is assigned an internal transaction identifier and system code within the payer's lottery system data center 5.

On the basis of the confirmation from the data center 5, the printer of the POS terminal 7 prints a receipt for the client and a proof of payment of the transaction fee.

The POS terminal 7 operator can cancel the payment transaction within a specified time limit (15 minutes by default) using the standard POS terminal function. The request to cancel the transaction (if it arrives within a specified time limit) is recorded in the transaction file of the payee's lottery system data center while the canceled transaction is removed from the delay file and sent online to the service provider's system 3.

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After the set delay has elapsed, the non-canceled transactions from the data center 5 of the payment system of the online payment provider are sent to the service provider system 3. The transfer and confirmation of payment is handled by the mechanisms of the transmission protocol, which is agreed by both parties before the actual execution.

In the service provider system 3, incoming transactions are recorded and processed. On the website, the generated documents of the paid product are available to clients with the possibility of their printing.

Based on the information on the payment of the product of the relevant registered application, the original insurance document is sent to the client by the service provider.

Extracts of transactions are generated from the TMF transaction center data file 5 of the payment provider's lottery system and transmitted to the service provider in the form of TRL and ACC files, which will execute the files through its own processing.

A TRL transaction file is an accounting-binding file that contains detailed information on payment transactions, including cancellations, made at POS terminals for the past day. The financial amounts written to the file do not include transaction or other fees.

The ACC accounting file contains the sum of positive, undeleted items from each TRL file for the whole week, the sums from each daily TRL file, and the number of transactions in those daily files. This file serves as a control of the amounts paid per calendar week in the accounting systems of the payment service provider and the service provider and for the possibility of verifying the settlement of any commissions.

The service provider verifies the completeness of the delivered TRL file by verifying the checksum of transactions, and in the event of failure to receive a file or an error in the sum, urges the resend of the file. It also confronts transactions in the TRL file with its recorded requests in online communication with the payment provider and in the registration of requests from the web application and immediately processes even those requests contained in the TRL file that were not recorded in online communication and responds to the transmission of the daily TRI file RCI based on the results of its processing.

The RCL difference file contains all transactions that have been in conflict with the online service provider's TRL file validation. The file is forwarded to the payment provider's data center daily after processing the TRL file in the service provider's system, even if it is zero. The payment provider shall provide available information on such reported transactions.

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At the same time, the I RL file is forwarded offline to the payment center's accounting center 4 (importing tax documents). The weekly accountable ACC file is also transmitted offline to the payment operator's center 4 for authorization. After the ACC file is authorized, Center 4 sends an instruction to the data center 5 to send the ACC file to the service provider's system and generates a tax document / invoice for the amount of the total remuneration for the service provided if it is currently provided. The service provider verifies the completeness of the authorized ACC file delivered by verifying the ACC file checksum and, if the file is not received or the checksum error, requests the file to resend. Any differences between the ACC and TRL files, if any, will be reported to the payer, by e-mail to the agreed contact point, with telephone verification of delivery.

The payment system / central bank's accounting system will process all files for the past week and billing them, generating a tax document (invoice) for the amount of the total remuneration for the service provided if the remuneration is currently provided.

The lottery system data center 5 sends a bill / payment order to the POS terminals 7 per week. The accounting center 4 generates a payment document / order on the basis of which POS terminals 7 transfer the withdrawn money for this service to the payment provider's bank account last week, send a tax receipt for remuneration, credit it from its agreed account with partner 6 service provider one amount for the past week and completed transactions.

Money transfers are made by the Bank on the basis of transfer orders to the account of the service provider and the bank provides electronic channels for the transfer of account statements to the service provider's center.

A contact point with the service provider and / or goods is designated for the client's claim. The system code shown on the payment receipt is used to match the claim request and the transaction.

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PATENT CLAIMS

Claims (7)

1. A method of performing payment services in a commercial network, characterized in that the client connects via the Internet to the service provider's website, fills in the electronic form of the selected service with the payment method through the POS terminal and sends it to the service provider. generates for the selected payment channel a web page with payment details - amount paid, payment identification, payee code and barcode with payment details including its numeric form, for personal payment of the client at the POS terminal of the payment operator's central lottery system. of the payment operator's terminal, the POS terminal verifies the validity of the barcode and the payee's code and, in the event of a positive result, the payment request is transferred to the payer's central lottery system data center and the loaded data is stored in the transaction file and each transaction are assigned an internal identifier and system code, and the request is stored in a shift register with adjustable delay time, and based on the data center response and payment by the client, the POS terminal prints the client's payment receipt and transaction fee; after expiry of the set delay, the payment provider sends non-canceled requests from the datacenter register to the service provider's system, which acknowledges the incoming transactions and generates and makes the payment documents available to clients on the website sends the client an original proof of service. Method according to claim 1, characterized in that the data is loaded into the POS terminals by reading the bar code from the customer printed payment documents via the terminal reader, entering the data from the payment slip or entering the data manually. Method according to claim 1 or 2, characterized in that the payment transaction is canceled within a specified time limit, the cancellation request is recorded in the transaction file and simultaneously removed from the shift register with an adjustable delay time. ···························································· ·· · · · · Method according to one of the preceding claims, characterized in that the transaction file generates offline transaction extracts from the transaction file in the form of daily transaction and weekly accounting files (TRI) and (ACC), the daily file being transmitted offline to the service provider system, which responds to the file handover by sending a differential file created based on the result of a comparison between the service provider's online communication with the customer and the daily transaction file, and the weekly file is transferred offline to the service provider's system after authorization by the service provider. Method according to any one of the preceding claims, characterized in that the daily file (TRL) and the weekly file (ACC) are transferred to the payee's accounting center, which generates transfer orders for billing the service to the payee's partner bank which transfers offline finance. and account statements to the service provider system. Method according to one of the preceding claims, characterized in that the client makes a complaint at the service provider's contact point, using the system code for payment confirmation to match the complaint and the transaction. Payment system for carrying out the method according to any one of the preceding claims, characterized in that it comprises a network of POS terminals (7) of the central lottery system of the payment provider, each of which is online connected to the central lottery system data center (5) connected online with a service provider system (3) connectable online over the internet (2) to the customer's computer (1) and at the same time the data center (5) offline is connected to the service provider system (3) and to the accounting center (4) the payer's partner bank (6) offline connected to the service provider's system (3). - £ 9 »B» I