阅读说明：本技术 支付系统和方法 (Payment system and method ) 是由 玛丽安娜·布朗恩 于 2018-06-22 设计创作，主要内容包括：本发明涉及一种支付系统和方法。该支付系统包括：至少一个销售点设备(10),用于处理经销商与客户(1)之间的交易,该销售点设备(10)被配置成：读取分配至客户的支付ID(2),以及进一步发送支付ID(2)和至少交易价值,以及接收用于交易的确认信号；至少一个支付ID系统(20),用于进一步处理交易,该支付ID系统(20)被配置成：接收至少支付ID(2)和交易价值,以及基于能够通过支付ID系统(20)访问的数据对支付进行检查,以及在正确数据的情况下生成确认信号并将该确认信号提交至销售点设备(10),以及生成并提交至少触发信号；至少一个通信系统(50),用于提交来自客户(1)的控制信号以及向客户(1)提交控制信号；至少一个价值添加系统(30),用于接收触发信号并用于接收通信信号,该价值添加系统(30)被配置成：确定或接收基于交易价值的至少一个添加价值,以及针对每个交易价值累积每个添加价值,以及在接收到用于发起捐赠的通信信号时向捐赠系统(40)转移所累积的添加价值。支付系统的所有者和销售点设备的所有者还能够为甚至能够在客户(1)的控制下的捐赠做出贡献。(The invention relates to a payment system and method. The payment system includes: at least one point-of-sale device (10) for processing a transaction between a distributor and a customer (1), the point-of-sale device (10) being configured to: reading the payment ID (2) assigned to the customer and further sending the payment ID (2) and at least the transaction value and receiving a confirmation signal for the transaction; at least one payment ID system (20) for further processing the transaction, the payment ID system (20) being configured to: -receiving at least a payment ID (2) and a transaction value, and checking the payment based on data accessible through the payment ID system (20), and in case of correct data generating and submitting a confirmation signal to the point of sale device (10), and generating and submitting at least a trigger signal; at least one communication system (50) for submitting control signals from the client (1) and for submitting control signals to the client (1); at least one value addition system (30) for receiving a trigger signal and for receiving a communication signal, the value addition system (30) being configured to: determining or receiving at least one added value based on the transaction values, and accumulating each added value for each transaction value, and transferring the accumulated added value to the donation system (40) upon receipt of a communication signal for initiating the donation. The owner of the payment system and the owner of the point of sale device can also contribute to the donations that can even be under the control of the customer (1).)

1. A payment system, comprising:

(a) at least one point-of-sale device (10) for processing a transaction between a distributor and a customer (1),

i. the point-of-sale device (10) is configured to: reading a payment ID (2) assigned to said customer, and

sending the payment ID (2) and at least a transaction value, an

Receiving a confirmation signal for the transaction;

(b) at least one payment ID system (20) for further processing of the transaction,

the payment ID system (20) is configured to: receiving at least the payment ID (2) and the transaction value, an

v. checking the payment based on data accessible through the payment ID system (20), and

generating and submitting the confirmation signal to the point of sale device (10) in case of correct data, and

generating and submitting at least a trigger signal;

(c) -at least one communication system (50) for submitting control signals from said client (1) and for submitting control signals to said client (1);

(d) at least one value addition system (30) for receiving the trigger signal and for receiving a communication signal,

the value addition system (30) is configured to: determining or receiving at least one added value based on the transaction value, an

Accumulate each added value for each transaction value, and

transferring the accumulated added value to a donation system (40) upon receipt of the communication signal for initiating a donation.

2. A payment system as claimed in claim 1, wherein the payment ID (2) comprises at least one of a credit card, a debit card and a contactless payment system, the payment ID (2) preferably comprising a credit card.

3. Payment system according to any one of the preceding claims, wherein the trigger signal generated by the payment ID system (20) and received by the value addition system (30) is configurable to: identifying at least the added value or a portion of the added value, or initiating a determination of the added value; and transferring the added value of one or both of the payment ID system (20) and the customer account system (60); and transmitted separately or together with other information such as the added value information.

4. Payment system according to any one of the preceding claims, wherein a value addition fee is obtainable from the payment ID system (20) and transferred from the payment ID system (20) to a value addition fee account, preferably being part of a transfer fee charged by the payment ID system from the transaction amount.

5. Payment system according to any one of the preceding claims, further comprising a value adding account (31), the value adding account (31) being adapted to receive a value according to each added value.

6. Payment system according to any one of the preceding claims, wherein the communication system (50) assists the customer in selecting at least one donation system via the communication signal.

7. Payment system according to the preceding two claims, wherein the communication system (50) comprises at least one of an application (app) and a Graphical User Interface (GUI) providing the customer with at least one of: a status of the value addition account (31); selection of a donation system (40); all or a portion of the accumulated added value to be transferred to at least one of the selected donation systems (40); submitting the communication signal for the transferred value to the value addition system (30); generating a confirmation statement of the transferred value to the donation system (40); and news and chat blogs.

8. Payment system according to any one of the preceding claims, further comprising a customer account system (60), the payment ID system further comprising a payment ID account (21) for receiving a transfer fee according to the transaction value, and/or the contribution system (40) comprising at least a contribution account (41) for receiving the added value, the payment system preferably comprising a point of sale account (11) for receiving the transaction value.

9. Payment system according to any one of the preceding claims, wherein the added value is transferred to the value addition system (30) by at least one of the payment ID system (20) and the customer account system (60).

10. Payment system according to any one of the preceding claims, wherein the added value is obtained from at least one of the payment ID account (21), the customer account system (60) and the point of sale account (11), such that the added value is derived from at least one of the transfer fee for a transaction, the customer account system (60) and the transaction value, or any combination thereof.

11. Payment system according to any one of the preceding claims, wherein at least one of the ID administrator system (10) and the value addition system (30) is configured to determine the added value based on the transaction value, wherein the added value is preferably 1% of the transaction value.

12. Payment system according to any one of the preceding claims, wherein the added value comprises 5% to 50%, preferably 10% to 25%, more preferably 10% to 20% of the transfer fee per transaction for the payment ID system (20) and the remainder from the customer account system (60).

13. Payment system according to any one of the preceding claims, wherein the payment system is configured to provide a push signal to the customer depending on time and other information, the push signal having the status of the value adding account (31), a preferred choice of a donation system (40) and news and chat blogs about the preferred donation system (40).

14. Payment system according to any one of the preceding claims, wherein the payment system is configured to initiate and manage crowd funding of certain donation systems (40) directly or indirectly.

15. Payment system according to any one of the preceding claims, wherein the communication system is connectable to one or more donation systems (40) to provide further information to one or more customers.

16. The payment system of any one of the preceding claims, further comprising a payment ID account to receive payment from a customer account based on the transaction value, wherein the payment ID system controls payment to a dealer account in an amount of the transaction value minus a transaction fee and controls payment to the payment ID account in an amount of the transaction fee.

17. A payment method, in particular a payment method making use of a payment system according to any one of the preceding claims, the method having the steps of:

(e) processing a transaction between a dealer and a customer (1) by means of at least one point-of-sale device (10), and

reading a payment ID (2) assigned to the customer by the point of sale device (10), and

sending the payment ID (2) and at least a transaction value through the point of sale device (10), an

Receiving, by the point of sale device (10), a confirmation signal for the transaction;

(f) the transaction is further processed by at least one payment ID system (20),

receiving at least the payment ID (2) and the transaction value by the payment ID system (20), an

xv. checks the payment based on data accessible through the payment ID system (20), an

In case of correct data, generating and submitting the confirmation signal to the point of sale device (10) by the payment ID system (20), and

generating and submitting at least a trigger signal by the payment ID system (20);

(g) submitting control signals from said client (1) and control signals to said client (1) through at least one communication system (50);

(h) receiving the trigger signal and receiving the communication signal by at least one value addition system (30),

at least one of determining and receiving, by the value addition system (30), at least one added value based on the transaction value, and

accumulating, by the value addition system (30), each added value for each transaction value, an

xx. transfer the accumulated added value to a donation system (40) by the value addition system (30) upon receipt of the communication signal for initiating a donation.

Technical Field

The invention relates to a payment system and method. The payment system according to the invention may comprise a value-added-on system (value-added-on system) particularly adapted to transfer added value to a donation system.

Background

Currently, several banks offer credit/debit cards that benefit in some way each time a user uses the card to conduct a transaction. The user benefit may be "mileage" or cash, holiday, or gift. The bank or the card issuing institution uses the credit card of the bank or the card issuing institution as an incentive measure.

Contributions are typically made to various charities, which would be novel and useful if the cardholder could make such contributions or contributions to selected charities by using a credit/debit card.

A credit/debit card may be utilized to identify one or more charities that are to receive the donation and to identify a purchase processing system that processes the card user's transaction, pays a predetermined amount to the charities, and also bills the cardholder. In this system, the amount of the donation may be paid by the bank or the card issuer, or the cardholder may add the amount of his payment to the selected charity.

US 8,160,922B 2 describes a method and system for making a donation to a third party in which a user performs a purchase transaction using a card associated with a bonus point account. If a user is expected to donate, the user's bonus point account is reduced and the corresponding value will be transferred as a donation to a designated third party. In another aspect, referred to as "make-up," the donation amount is the difference between the bid amount and the purchase amount, and the donation amount is transferred to a designated third party as a donation to the third party in lieu of providing changes to the transaction back to the user.

US 5,466,919 describes a method that enables a credit card cardholder to donate to a charity selected by the cardholder each time a purchase is made using a credit card. The method comprises the following steps: a credit/debit card that identifies on its magnetic strip a charity to receive donations; and a bank expedited system (bank expedited system) that processes the card user's purchase transaction, pays a predetermined amount to one or more charities, and also bills the cardholder. In this system, the amount of the donation may be paid by the bank or the card issuer, or the cardholder may add the amount of his payment to the selected charity.

WO 2015/009427 relates to a system and method for enabling a user to use a single payment device in a payment transaction to optimise a card reward. Payment instruments such as credit cards, debit cards, and stored value cards are associated in an intermediate account with a user's payment device. The user also provides priority information about the payment instrument. Using the priority information, the optimization engine then determines the best payment instrument for the transaction sent to the intermediate account.

Disclosure of Invention

It is a primary object of the present invention to provide an improved or alternative payment system and method.

This object is achieved by means of the invention.

The invention relates to a payment system and components thereof. The payment system may include at least one point-of-sale device for processing transactions between the dealer and the customer. The point of sale device may be a cash register or any other electronic or computer based system, in particular for cashless payments between a distributor and a customer. A distributor or customer may be any entity, store, company, individual, legal, government agency, non-government agency, merchant, remote transaction system, online transaction platform, etc.

The point of sale device may be configured to read the payment ID assigned to the customer and/or may be a template for entering data or information for the payment card. The payment ID may be any content that refers to or corresponds to an account having value assigned to the customer. The value may be any currency in the account, electronic currency, bitcoin, etc. May be accessed through a slot for reading magnetic information; an active or passive transponder protocol; such as by

The reading of the payment ID is done by any contactless reading, such as wireless network, near field communication with a smart card or smart device, etc.

The point-of-sale device may transmit the payment ID and at least the transaction value or amount to be paid. Other information may also be sent.

The point of sale device may also receive a confirmation signal for the transaction, which may typically, but need not be, transmitted by the remote system, as will be described in more detail.

At least one payment ID system may also be provided for further receiving at least a payment ID and a transaction value and for processing the transaction. This is typically a remote system that checks the payment ID, which can check the customer's amount, reimbursement capability or reputation by accessing additional information such as bank data, bank accounts, the customer's purchase patterns, currency exchange rates, etc.

The payment ID system may be configured to check the payment based on data accessible through the payment ID system, as described previously and below. In the case of positive or correct data, the payment ID system may generate a confirmation signal and submit the confirmation signal to the point of sale device. It goes without saying that the payment ID system may also submit a negative signal indicating that the transaction is not accepted, that the payment ID may be used illegally, etc.

The payment ID system may generate and submit at least a trigger signal, as will be explained in more detail.

The payment system may further include at least one communication system for submitting control signals from and to the customer. This may be a software/hardware system that allows a customer to access information or data and interact with any of the components or systems mentioned previously and below. The software component may be a software application (often abbreviated as "app") to be installed on a computer, tablet, smartphone, or the like.

Also included is at least one value addition system for receiving a trigger signal and for receiving a communication signal. The value addition system may be a software/hardware system for managing and/or controlling a special system provided for obtaining, transferring, accumulating, etc. donations to be transferred to the donation system at a point in time systematically, periodically, and/or according to the customer's personal preferences.

The value addition system may be configured to determine or receive at least one added value based on the transaction value. Since the donation amount should become appreciable, the value addition system is also configured to accumulate each added value for each transaction value as needed. The value addition system may also transfer the accumulated added value to the donation system upon receipt of a communication signal for initiating the donation.

The payment ID may comprise at least one of a credit card, a debit card, and a contactless payment system, the payment ID preferably comprising a credit card. The smart card and/or smart device, such as a smart phone device, may also make the payment. The payment ID may include or encompass all such devices, or may be attached to all such devices.

The ID administrator system and/or the value addition system may be configured to determine an added value based on the transaction value, wherein the added value is preferably 1% of the transaction value. The value may be a constant value or may also vary. In any event, it is ensured that the entire added value is available, and the entire added value can be transferred to the donation system.

The value addition system may also include a value addition account for receiving a value according to each added value. However, the account may also be distributed to another entity, such as a hosting system.

The trigger signal generated by the payment ID system and received by the value addition system may be sent separately or together with other information, such as added value. The trigger signal may also be sent directly from the ID payment system to the value addition system and/or the customer account system. Any station may also modify the trigger signal until the value addition system receives the trigger signal. For example, the ID payment system may send the trigger signal directly to the value addition system with a portion of the added value using the transaction number; and/or the ID payment system may send another trigger or another trigger to the customer account system (described further below). In any event, the customer account system may then initiate a transfer of the remainder of the added value, and the trigger signal may be modified to transfer information using the identification of the transaction number or the like. The trigger signal may be further configured to: initiating at least a determination of added value; and transferring added value of one or both of the payment ID system (20) and the customer account system (60).

Value addition fees may be derived from the payment ID system and transferred from the payment ID system to a value addition fee account, particularly for payouts and revenues of the value addition entity. The value addition fee may be a portion or fraction of the transfer fee charged by the payment ID system.

The communication system may assist the customer in selecting at least one donation system via the communication signal. The communication system may include at least one of an application (app) and a Graphical User Interface (GUI). The communication system may also provide at least one of the following to the customer: status of value addition accounts; selection of a donation system; all or a portion of the accumulated added value to be transferred to at least one of the selected donation systems; submitting a communication signal for transferring value to a value addition system; generating a confirmation statement of the transferred value to the donation system; and news and/or chat blogs.

A customer account system such as a bank account may also be provided. The payment ID system may also include a payment ID account, and/or the donation system may include at least a donation account. A donation account may be provided to receive added value. Alternative hosted and/or delegate systems may also be arranged.

Further, a point of sale account may be provided for receiving the transaction value.

The added value may be transferred to the value addition system by at least one of the payment ID system and the customer account system.

The added value may also be obtained from at least one of a payment ID account, a customer account system, and a point of sale account. Thus, added value may be derived from at least one of the transfer fee for the transaction, the customer account system, and the value of the transaction, or any combination thereof. Depending on the particular setup and needs. Thus, at least one of the point-of-sale party, the payment party, and/or the customer party may agree that at least one of these parties is contributing money. It is also possible that more than one party, and even the parties involved, are contributing. In certain cases, this may be a vendor, a customer, and/or a credit card provider.

At least one of the ID administrator system and the value addition system is configured to determine an added value based on the transaction value, wherein the added value is preferably 1% of the transaction value. Any other value may also be used, particularly where more than one party is contributing. In extreme cases, all parties may contribute in shares (share), e.g., 1% each. This would result in a very considerable donation.

The added value may include at least 5%, preferably at least 10% and at most 50%, preferably at most 25%, more preferably at most 20% of the transfer fee per transaction for the payment ID system and the remainder from the customer account system. However, according to the most preferred embodiment, an add-on value of 1% of the transaction value is received and accumulated by the value addition system and charged from the customer account system.

The payment system may be configured to provide a push signal to the customer based on time and other information, the push signal having a status of the value addition account, a preferred selection of the donation system, and news and chat blogs about the preferred donation system, among other things.

The payment system may be configured to directly or indirectly initiate and manage crowd funding of certain donation systems. Crowd funding is intended to mean the accumulation of contributions from multiple customers. This may initiate a large amount of money to be donated by a group of people, so that they feel considerable help with a certain item.

The communication system may be connected to one or more donation systems to provide additional information to one or more customers.

A payment ID account may also be provided that receives payment from the customer account based on the transaction value, wherein the payment ID system controls payment to the dealer account in an amount of the transaction value minus the transaction fee and controls payment to the payment ID account in an amount of the transaction fee.

The invention also relates to a method. The method may comprise the following steps, which may also be performed in a different order: processing a transaction between the dealer and the customer through the at least one point-of-sale device and reading the payment ID assigned to the customer through the point-of-sale device; and transmitting, by the point of sale device, the payment ID and at least the transaction value; and receiving a confirmation signal for the transaction by the point of sale device. The method may also provide for processing of a transaction by at least one payment ID system, receiving at least a payment ID and a transaction value by the payment ID system, and checking the payment (20) based on data accessible by the payment ID system, and in case of correct data, generating and submitting a confirmation signal by the payment ID system to the point of sale device, and generating and submitting at least a trigger signal by the payment ID system. Further, the method may comprise: submitting control signals from and to the client via the at least one communication system; and receiving, by at least one value addition system, a trigger signal and a communication signal; at least one of determining and receiving, by a value addition system, at least one added value based on a transaction value; and accumulating, by the value addition system, each added value for each transaction value; and transferring the accumulated added value to the donation system by the value addition system upon receipt of the communication signal for initiating the donation.

The present description shall also include any features specified for the device, system, etc. with respect to the respective method or method steps.

The present technique will now be discussed with reference to the figures.

Drawings

FIG. 1 includes a schematic diagram of a preferred embodiment of a payment system in accordance with the present invention;

FIG. 2 is a further preferred embodiment showing further communications between elements already provided in FIG. 1; and

fig. 3 is a further preferred embodiment showing further communication between elements already provided in fig. 1 or 2.

Detailed Description

Fig. 1 schematically depicts an embodiment of the present invention. Client or customer 1 is shown for illustrative purposes only and the present invention does not include client or customer 1.

Customer or patron 1 holds a payment ID 2 that may be in any of the forms previously described and claimed. The payment ID is brought into proximity with the point-of-sale device 10 or entered into a template of the point-of-sale system 10. The customer reads or enters the corresponding payment ID.

The point of sale device 10 brings this and other information, such as transaction value and possibly other information, to the payment ID system 20. This may be a credit card company,

And the like. Such payment ID systems 20 typically automatically or semi-automatically process and manage such transactions by securing the transfer of money, sometimes with additional convenience to the customer or client. Typically, they charge for such transactionsTransferring the cost. Such a transfer fee may be credited to the payment ID account 21.

The payment ID system 20 may communicate with the account system 60 assigned to the customer at the same time or at a later time. This typically includes a customer account for money and/or other value such as bitcoins. In the case of communication, an information exchange is performed to check parameters for a certain transaction.

The value addition system 30 may be in communication with the customer account system 60 and/or the payment ID system 20, and the value addition system 30 may receive added value from one or both of these systems. This also applies to the corresponding value to be transferred to the value addition system 30. These values may then be transferred to the value addition account 31 assigned to the value addition system 30. However, alternatively or additionally, the added value may be controlled solely by the value addition system 30, and the added value may be transferred from the customer account system 60 or the payment ID system 20 or the hosting system (not shown) to the donation system 40.

The donation account 41 may be assigned to the donation system 40. The donation system 40 may also send information to the communication system 50. The communication system 50 may be hardware/software based and may be a link to a client or customer 1. The communication system 50 may also be connected to any other component of the system and should allow the customer to control the payment system to obtain information from or receive information from the components of the system, for example by means of a push function. Thus, the communication system 50 may also be collectively provided to obtain information from the customer account system 60 and/or the payment ID system 20 (not shown) or to control the customer account system 60 and/or the payment ID system 20.

Fig. 2 illustrates a structure that may be additionally provided to one of the structures illustrated in fig. 1. In particular, the payment ID account 21 may also be in communication with one of the value addition system 30 or the donation system 40 or both the value addition system 30 and the donation system 40. This is particularly useful where a portion of the transfer fee is also transferred to the donation system 40, either directly or via the value addition system 30. In both cases, the value addition system 30 may control the transfer. In particular, since the value addition system 30 may be under the control of the client or customer via the communication system 50, the client may also control the donation consisting of multiple donations by himself and the payment system provider. This may advertise and contribute to the interests of the parties concerned, in particular credit/debit card companies.

Fig. 3 shows another option that may be alternative or additional to the previously mentioned options. Additional point-of-sale accounts 11 may be provided to receive transaction value and all transaction value may be collected. The point-of-sale account 11 may transfer a portion or all of the amount of added value to the value addition system 30 or directly to the donation system 40, or to both the value addition system 30 and the donation system 40, either under the control of the value addition system 30 or independently. In particular, since the value addition system may be under the control of the client or customer via the communication system 50, the client may also control the donation consisting of multiple donations by himself and the seller or point of sale owner. Furthermore, this may advertise and contribute to the interests of the parties concerned, in which case it may be advertising specifically to the vendor or the owner of the point of sale.

Value add fees may be obtained and transferred to a value add fee account (not shown).

Whenever relative terms such as "about", "substantially" or "approximately" are used in this specification, such terms should also be construed to include the exact meaning as well. In other words, for example, "substantially straight" should be interpreted to also include "(exactly) straight.

Whenever steps are recited above or in the claims that follow, it should be noted that the order in which the steps are recited herein may be a preferred order, but it is not mandatory that the steps be performed in the order recited. That is, the order in which the steps are recited may not be mandatory unless otherwise specified or unless it is clear to one of ordinary skill in the art. That is, when it is stated herein that, for example, the method comprises step (a) and step (B), this does not necessarily mean that step (a) precedes step (B), but it is also possible that step (a) is performed (at least partially) simultaneously with step (B), or step (B) precedes step (a). Furthermore, when it is mentioned that step (X) precedes another step (Z), this does not mean that there is no step between step (X) and step (Z). That is, the step (X) preceding the step (Z) includes not only the case where the step (X) is directly performed before the step (Z), but also the case where the step (X) is performed before one or more steps (Y1) … …, and the step (Z) is performed after one or more steps (Y1). When terms such as "after … …" or "before … …" are used, corresponding considerations apply.