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WO2022075951A1 - A virtual pos management system - Google Patents

A virtual pos management system Download PDF

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Publication number
WO2022075951A1
WO2022075951A1 PCT/TR2021/051005 TR2021051005W WO2022075951A1 WO 2022075951 A1 WO2022075951 A1 WO 2022075951A1 TR 2021051005 W TR2021051005 W TR 2021051005W WO 2022075951 A1 WO2022075951 A1 WO 2022075951A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
database
website
bank server
virtual pos
Prior art date
Application number
PCT/TR2021/051005
Other languages
French (fr)
Inventor
Cagatay OZYURT
Cem CENGIZ
Sabri KANTAR
Original Assignee
Turkiye Garanti Bankasi Anonim Sirketi
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Turkiye Garanti Bankasi Anonim Sirketi filed Critical Turkiye Garanti Bankasi Anonim Sirketi
Publication of WO2022075951A1 publication Critical patent/WO2022075951A1/en

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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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

Definitions

  • the present invention relates to a system for detecting and managing over which website and server transactions -which are carried out via virtual POS (point of sale) devices enabling companies to receive payment by credit card and debit card on electronic commerce sites that provide product or service through online shopping- are made.
  • virtual POS point of sale
  • Virtual POS devices enable to make payment by credit card or debit card on electronic commerce sites that provide product or service through online (via Internet) shopping.
  • users who make payment in shopping transactions by means of virtual POS enter their card information from an online payment screen, their card information are transmitted to the bank where the virtual POS is connected and the payment is realized by receiving transaction approval.
  • Banks make various security measures obligatory for companies to be able to use their virtual POS devices in electronic commerce sites.
  • One of these security measures is to ensure that websites where a virtual POS device will be used are safe; therefore, banks determine the websites to be used in contracts drawn up with companies and prevent companies from carrying out transaction with different websites.
  • the International patent document no. W02014108910 discloses a method for enabling online sales service compatible with products and services card.
  • the method in the said invention carries out transactions of establishing connection of an online sales site with a banking network, listing product and service providers on online sales sites, purchasing selected products and services over a banking network.
  • An objective of the present invention is to realize a system for automatically detecting a website address (domain) information incoming during a provision transaction in payments that are made via virtual POS devices on electronic commerce sites.
  • Another objective of the present invention is to realize a system for detecting whether a website incoming during a provision transaction is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, before the transaction flow reaches the virtual POS device in payments that are made via virtual POS devices on electronic commerce sites.
  • Figure l is a schematic view of the inventive system.
  • the inventive system (1) for detecting and managing over which website and server transactions, which are carried out via virtual POS devices on electronic commerce sites, are made comprises: at least one electronic device (2) which is configured to realize data exchange by using any remote communication protocol and to run at least one application on it; at least one electronic commerce application (3) which is run on the electronic device (2) and configured to enable at least users to transmit their product purchase request by entering their card information; at least one database (4) which is configured to keep record of website address information of companies -who are virtual POS users- that they declare to virtual POS provider institutions in order to use virtual POS and IP numbers of (internet protocol) server devices they use, in it; and at least one bank server (5) which can establish communication with the electronic device (2) by using remote communication protocol, realizes data exchange with the electronic commerce application (3) over the communication established with the electronic device (2), is in communication with the database (4) and manages the database (4) and is configured to ensure that a virtual POS redirection page opens on the web browser whereby users access the electronic commerce application (3) upon being triggered when a purchase request is
  • the electronic device (2) included in the inventive system (1) is a device in the form of smartphone, tablet computer, desktop computer or portable computer configured to run at least one electronic commerce application (3) on it.
  • the said electronic device (2) has an input unit in the form of key or touch screen.
  • the electronic device (2) is configured to establish connection with the bank server (5) by using any remote communication protocol included in the state of the art and to ensure that data exchange is realized between the electronic commerce application (3) and the bank server (5) over this connection established.
  • the electronic device (2) is configured to realize data exchange with the bank server (5) by using a data bus in the form of Internet.
  • the electronic commerce application (3) included in the inventive system (1) is run on the electronic device (2) and configured to realize data exchange with the bank server (5) over the communication established between the electronic device (2) and the bank server (5).
  • the said electronic commerce application (3) is configured to enable at least users to generate a purchase request by entering their payment information in the form of card information.
  • the electronic commerce application (3) is a web application run on the electronic device (2).
  • the database (4) included in the inventive system (1) is in communication with the bank server (5) and configured to be managed by the bank server (5).
  • the said database (4) is configured to keep record of website address information and server IP information of a business -who owns a virtual POS- that they declare for virtual POS use, in it.
  • the database (4) is configured to keep record of website information stated by companies, as filtered such that only domain name remains.
  • the database (4) is also configured to keep record of information about the website address and the server that are detected by the bank server (5) and where virtual POS is used, in it.
  • the database (4) is configured to keep record of website information where virtual POS is used, as filtered such that only domain name remains.
  • the bank server (5) included in the inventive system (1) is configured to establish communication with the electronic device (2) by using remote communication protocol included in the state of the art and to realize data exchange with the electronic commerce application (3) being run on the electronic device (2) over this communication established.
  • the bank server (5) is configured to establish communication with the electronic device (2) over a data network in the form of Internet.
  • the said bank server (5) is configured to manage the database (4) by means of transactions such as making a new data record inside the database (4), deleting or updating the recorded data inside the database (4).
  • the bank server (5) is configured to receive the information about the website address declared by the company and approved by the bank when a company generates request for a virtual POS device use and the information about the server IP address used by the companies, and then to save these to the database (4).
  • the bank server (5) is configured to filter the protocol name, the subdomain (sub-domain name), the query parameter, the url extensions and the url parameters included within the URL (Uniform Resource Loader) in the website address information declared by the companies upon extracting these by regular expressions method, and to save the filtered website address to the database (4).
  • the bank server (5) is configured to ensure that a virtual POS redirection page opens on the web browser whereby the users access the electronic commerce application (3) upon being triggered when a purchase request is transmitted over the electronic commerce application (3) and to receive the opening rules information (open in a new tab, open in the current tab, open in an iframe (a frame embedded on the page) and open in a pop-up (a small window on the page)) of the redirection page pre-determined by the company -who is the virtual POS device user- by means of the redirection page opened.
  • the opening rules information open in a new tab, open in the current tab, open in an iframe (a frame embedded on the page) and open in a pop-up (a small window on the page)
  • the said bank server (5) is configured to receive the website address information of the company where the virtual POS device will be used by means of the redirection page opened and to filter the protocol name, the subdomain (sub-domain name), the query parameter, the url extensions and the url parameters included within the URL in the website address information obtained upon extracting these by regular expressions method, and to save the filtered website address to the database (4) together with the information about the provision transaction.
  • the bank server (5) is configured to receive the information about registered website domain names and IP addresses for a company -who is a virtual POS user- by connecting to the database (4) periodically and to compare the detected information about detected website domain names and IP addresses with the said information.
  • the bank server (5) is configured to generate a report for the said company and to transmit it to related units in case of detecting non-matching website address and IP information as a result of the comparison.
  • the bank server (5) is configured to generate a report for companies, whose registered IP and website address and detected IP and website address do not match, about how many transactions were carried out from the website and the IP’s used.
  • the said bank server (5) is configured to submit the generated report to the company -who is the virtual POS user- and to detect whether the website is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, by controlling whether the transactions are carried out from the related IP and websites or not.
  • inventive system (1) it is enabled to detect whether a website incoming during a provision transaction is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, before the transaction flow reaches the virtual POS device in payments that are made via virtual POS devices on electronic commerce sites and thus to illegal use of virtual POS is avoided.
  • inventive “A Virtual POS Management System (1)” it is possible to develop various embodiments of the inventive “A Virtual POS Management System (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Information Transfer Between Computers (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a system (1) for detecting and managing over which website and server transactions –which are carried out via virtual POS (point of sale) devices enabling companies to receive payment by credit card and debit card on electronic commerce sites that provide product or service through online shopping – are made.

Description

A VIRTUAL POS MANAGEMENT SYSTEM
Technical Field
The present invention relates to a system for detecting and managing over which website and server transactions -which are carried out via virtual POS (point of sale) devices enabling companies to receive payment by credit card and debit card on electronic commerce sites that provide product or service through online shopping- are made.
Background of the Invention
Virtual POS devices enable to make payment by credit card or debit card on electronic commerce sites that provide product or service through online (via Internet) shopping. Upon users who make payment in shopping transactions by means of virtual POS enter their card information from an online payment screen, their card information are transmitted to the bank where the virtual POS is connected and the payment is realized by receiving transaction approval. Banks make various security measures obligatory for companies to be able to use their virtual POS devices in electronic commerce sites. One of these security measures is to ensure that websites where a virtual POS device will be used are safe; therefore, banks determine the websites to be used in contracts drawn up with companies and prevent companies from carrying out transaction with different websites. However, due to the fact that there are many websites providing service in the field of electronic commerce, it is difficult to follow-up the websites where companies use virtual POS devices.
Currently, websites within a network traffic are controlled by banks upon performing internet network scannings in order to determine whether virtual POS devices are used other than the website addresses included in contracts drawn up with companies. Since the said scannings are performed by companies through third party software, extra service fees arise for electronic commerce companies.
Thus, considering the studies and the deficiencies in the state of the art, it is understood that a system is required for detecting a website address where transaction is carried out and then determining whether it is a website defined in the bank or not before the payment transaction (i.e. before reaching the virtual POS device within the shopping flow) in use of a virtual POS device.
The International patent document no. W02014108910, an application in the state of the art, discloses a method for enabling online sales service compatible with products and services card. The method in the said invention carries out transactions of establishing connection of an online sales site with a banking network, listing product and service providers on online sales sites, purchasing selected products and services over a banking network.
Summary of the Invention
An objective of the present invention is to realize a system for automatically detecting a website address (domain) information incoming during a provision transaction in payments that are made via virtual POS devices on electronic commerce sites.
Another objective of the present invention is to realize a system for detecting whether a website incoming during a provision transaction is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, before the transaction flow reaches the virtual POS device in payments that are made via virtual POS devices on electronic commerce sites.
Detailed Description of the Invention “A Virtual POS Management System” realized to fulfil the objectives of the present invention is shown in the figure attached, in which:
Figure l is a schematic view of the inventive system.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System
2. Electronic device
3. Electronic commerce application
4. Database
5. Bank server
The inventive system (1) for detecting and managing over which website and server transactions, which are carried out via virtual POS devices on electronic commerce sites, are made comprises: at least one electronic device (2) which is configured to realize data exchange by using any remote communication protocol and to run at least one application on it; at least one electronic commerce application (3) which is run on the electronic device (2) and configured to enable at least users to transmit their product purchase request by entering their card information; at least one database (4) which is configured to keep record of website address information of companies -who are virtual POS users- that they declare to virtual POS provider institutions in order to use virtual POS and IP numbers of (internet protocol) server devices they use, in it; and at least one bank server (5) which can establish communication with the electronic device (2) by using remote communication protocol, realizes data exchange with the electronic commerce application (3) over the communication established with the electronic device (2), is in communication with the database (4) and manages the database (4) and is configured to ensure that a virtual POS redirection page opens on the web browser whereby users access the electronic commerce application (3) upon being triggered when a purchase request is transmitted over the electronic commerce application (3) by a user and to receive the opening rules information about the redirection page pre-determined by the company - who is the virtual POS device user- by means of the redirection page opened, to receive the website address information of the company as soon as the redirection page opens and to edit the website address such that only the domain name remains by applying filtering on the website address information obtained and to save it to the database (4) together with the information about the provision (the prepayment approval) transaction, to compare the information about registered website domain names and IP addresses with the information about detected website domain names and IP addresses for a company -who is a virtual POS user- by connecting to the database (4) periodically, to generate an alarm in case of detecting different records as a result of the comparison and to transmit these to related units.
The electronic device (2) included in the inventive system (1) is a device in the form of smartphone, tablet computer, desktop computer or portable computer configured to run at least one electronic commerce application (3) on it. The said electronic device (2) has an input unit in the form of key or touch screen. The electronic device (2) is configured to establish connection with the bank server (5) by using any remote communication protocol included in the state of the art and to ensure that data exchange is realized between the electronic commerce application (3) and the bank server (5) over this connection established. In a preferred embodiment of the invention, the electronic device (2) is configured to realize data exchange with the bank server (5) by using a data bus in the form of Internet. The electronic commerce application (3) included in the inventive system (1) is run on the electronic device (2) and configured to realize data exchange with the bank server (5) over the communication established between the electronic device (2) and the bank server (5). The said electronic commerce application (3) is configured to enable at least users to generate a purchase request by entering their payment information in the form of card information. In a preferred embodiment of the invention, the electronic commerce application (3) is a web application run on the electronic device (2).
The database (4) included in the inventive system (1) is in communication with the bank server (5) and configured to be managed by the bank server (5). The said database (4) is configured to keep record of website address information and server IP information of a business -who owns a virtual POS- that they declare for virtual POS use, in it. The database (4) is configured to keep record of website information stated by companies, as filtered such that only domain name remains. The database (4) is also configured to keep record of information about the website address and the server that are detected by the bank server (5) and where virtual POS is used, in it. The database (4) is configured to keep record of website information where virtual POS is used, as filtered such that only domain name remains.
The bank server (5) included in the inventive system (1) is configured to establish communication with the electronic device (2) by using remote communication protocol included in the state of the art and to realize data exchange with the electronic commerce application (3) being run on the electronic device (2) over this communication established. In a preferred embodiment of the invention, the bank server (5) is configured to establish communication with the electronic device (2) over a data network in the form of Internet. The said bank server (5) is configured to manage the database (4) by means of transactions such as making a new data record inside the database (4), deleting or updating the recorded data inside the database (4). In a preferred embodiment of the invention, the bank server (5) is configured to receive the information about the website address declared by the company and approved by the bank when a company generates request for a virtual POS device use and the information about the server IP address used by the companies, and then to save these to the database (4). The bank server (5) is configured to filter the protocol name, the subdomain (sub-domain name), the query parameter, the url extensions and the url parameters included within the URL (Uniform Resource Loader) in the website address information declared by the companies upon extracting these by regular expressions method, and to save the filtered website address to the database (4). In a preferred embodiment of the invention, the bank server (5) is configured to ensure that a virtual POS redirection page opens on the web browser whereby the users access the electronic commerce application (3) upon being triggered when a purchase request is transmitted over the electronic commerce application (3) and to receive the opening rules information (open in a new tab, open in the current tab, open in an iframe (a frame embedded on the page) and open in a pop-up (a small window on the page)) of the redirection page pre-determined by the company -who is the virtual POS device user- by means of the redirection page opened. The said bank server (5) is configured to receive the website address information of the company where the virtual POS device will be used by means of the redirection page opened and to filter the protocol name, the subdomain (sub-domain name), the query parameter, the url extensions and the url parameters included within the URL in the website address information obtained upon extracting these by regular expressions method, and to save the filtered website address to the database (4) together with the information about the provision transaction. The bank server (5) is configured to receive the information about registered website domain names and IP addresses for a company -who is a virtual POS user- by connecting to the database (4) periodically and to compare the detected information about detected website domain names and IP addresses with the said information. The bank server (5) is configured to generate a report for the said company and to transmit it to related units in case of detecting non-matching website address and IP information as a result of the comparison. The bank server (5) is configured to generate a report for companies, whose registered IP and website address and detected IP and website address do not match, about how many transactions were carried out from the website and the IP’s used. The said bank server (5) is configured to submit the generated report to the company -who is the virtual POS user- and to detect whether the website is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, by controlling whether the transactions are carried out from the related IP and websites or not.
With the inventive system (1), it is enabled to detect whether a website incoming during a provision transaction is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, before the transaction flow reaches the virtual POS device in payments that are made via virtual POS devices on electronic commerce sites and thus to illegal use of virtual POS is avoided. Within these basic concepts; it is possible to develop various embodiments of the inventive “A Virtual POS Management System (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A system (1) for detecting and managing over which website and server transactions, which are carried out via virtual POS devices on electronic commerce sites, are made; comprising: at least one electronic device (2) which is configured to realize data exchange by using any remote communication protocol and to run at least one application on it; at least one electronic commerce application (3) which is run on the electronic device (2) and configured to enable at least users to transmit their product purchase request by entering their card information; at least one database (4) which is configured to keep record of website address information of companies -who are virtual POS users- that they declare to virtual POS provider institutions in order to use virtual POS and IP numbers of (internet protocol) server devices they use, in it; and characterized by at least one bank server (5) which can establish communication with the electronic device (2) by using remote communication protocol, realizes data exchange with the electronic commerce application (3) over the communication established with the electronic device (2), is in communication with the database (4) and manages the database (4) and is configured to ensure that a virtual POS redirection page opens on the web browser whereby users access the electronic commerce application (3) upon being triggered when a purchase request is transmitted over the electronic commerce application (3) by a user and to receive the opening rules information about the redirection page pre-determined by the company - who is the virtual POS device user- by means of the redirection page opened, to receive the website address information of the company as soon as the redirection page opens and to edit the website address such that only the domain name remains by applying filtering on the website address information obtained and to save it to the database (4) together with the
8 information about the provision (the prepayment approval) transaction, to compare the information about registered website domain names and IP addresses with the information about detected website domain names and IP addresses for a company -who is a virtual POS user- by connecting to the database (4) periodically, to generate an alarm in case of detecting different records as a result of the comparison and to transmit these to related units. A system (1) according to Claim 1; characterized by the electronic device (2) which is a device in the form of smartphone, tablet computer, desktop computer or portable computer configured to run at least one electronic commerce application (3) on it. A system (1) according to Claim 1 or 2; characterized by the electronic device (2) which has an input unit in the form of key or touch screen. A system (1) according to any of the preceding claims; characterized by the electronic device (2) which is configured to establish connection with the bank server (5) by using any remote communication protocol and to ensure that data exchange is realized between the electronic commerce application (3) and the bank server (5) over this connection established. A system (1) according to any of the preceding claims; characterized by the electronic device (2) which is configured to realize data exchange with the bank server (5) by using a data bus in the form of Internet. A system (1) according to any of the preceding claims; characterized by the electronic commerce application (3) which is run on the electronic device (2) and configured to realize data exchange with the bank server (5) over the communication established between the electronic device (2) and the bank server (5).
9
7. A system (1) according to any of the preceding claims; characterized by the electronic commerce application (3) which is configured to enable at least users to generate a purchase request by entering their payment information in the form of card information.
8. A system (1) according to any of the preceding claims; characterized by the electronic commerce application (3) which is a web application run on the electronic device (2).
9. A system (1) according to any of the preceding claims; characterized by the database (4) which is in communication with the bank server (5) and configured to be managed by the bank server (5).
10. A system (1) according to any of the preceding claims; characterized by the database (4) which is configured to keep record of website address information and server IP information of a business -who owns a virtual POS- that they declare for virtual POS use, in it.
11. A system (1) according to any of the preceding claims; characterized by the database (4) which is configured to keep record of website information stated by companies, as filtered such that only domain information remains.
12. A system (1) according to any of the preceding claims; characterized by the database (4) which is configured to keep record of information about the website address and the server that are detected by the bank server (5) and where virtual POS is used, in it.
13. A system (1) according to any of the preceding claims; characterized by the database (4) which is configured to keep record of website information where virtual POS is used, as filtered such that only domain name remains.
10 A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to establish communication with the electronic device (2) by using remote communication protocol and to realize data exchange with the electronic commerce application (3) being run on the electronic device (2) over this communication established. A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to establish communication with the electronic device (2) over a data network in the form of Internet. A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to manage the database (4) by means of transactions such as making a new data record inside the database (4), deleting or updating the recorded data inside the database (4). A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to receive the information about the website address declared by the company and approved by the bank when a company generates request for a virtual POS device use and the information about the server IP address used by the companies, and then to save these to the database (4). A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to filter the protocol name, the subdomain (sub-domain name), the query parameter, the url extensions and the url parameters included within the URL in the website address information declared by the companies upon extracting these by regular expressions method, and to save the filtered website address to the database (4).
11
19. A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to ensure that a virtual POS redirection page opens on the web browser whereby the users access the electronic commerce application (3) upon being triggered when a purchase request is transmitted over the electronic commerce application (3) and to receive the opening rules information about the redirection page predetermined by the company -who is the virtual POS device user- by means of the redirection page opened.
20. A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to receive the website address information of the company where the virtual POS device will be used by means of the redirection page opened and to filter the protocol name, the subdomain, the query parameter, the url extensions and the url parameters included within the URL in the website address information obtained upon extracting these by regular expressions method, and to save the filtered website address to the database (4) together with the information about the provision transaction.
21. A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to receive the information about registered website domain names and IP addresses for a company -who is a virtual POS user- by connecting to the database (4) periodically and to compare the detected information about detected website domain names and IP addresses with the said information.
22. A system (1) according to any of the preceding claims; characterized by the bank server (5) which is configured to generate a report for the said company and to transmit it to related units in case of detecting non-matching website address and IP information as a result of the comparison.
12 A system (1) according to Claim 22; characterized by the bank server (5) which is configured to generate a report for companies, whose registered IP and website address and detected IP and website address do not match, about how many transactions were carried out from the website and the IP’s used. A system (1) according to Claim 23; characterized by the bank server (5) which is configured to submit the generated report to the company -who is the virtual POS user- and to detect whether the website is a website allowed by the bank in accordance with a prior agreement with an electronic commerce company or not, by controlling whether the transactions are carried out from the related IP and websites or not.
13
PCT/TR2021/051005 2020-10-05 2021-10-04 A virtual pos management system WO2022075951A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2020/15804A TR202015804A2 (en) 2020-10-05 2020-10-05 A VIRTUAL POS MANAGEMENT SYSTEM
TR2020/15804 2020-10-05

Publications (1)

Publication Number Publication Date
WO2022075951A1 true WO2022075951A1 (en) 2022-04-14

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CN104504562A (en) * 2014-12-22 2015-04-08 张文 Mobile payment method and system
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Patent Citations (3)

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US20140058867A1 (en) * 2004-03-12 2014-02-27 American Express Travel Related Services Company, Inc. Method and system for providing point of sale services
US20160277412A1 (en) * 2010-11-17 2016-09-22 Invysta Technology Group Methodology for identifying local/mobile client computing devices using a network based database containing records of hashed distinctive hardware, software, and user provided biometric makers for authorization of electronic transactions and right of entry to secure locations
CN104504562A (en) * 2014-12-22 2015-04-08 张文 Mobile payment method and system

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