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WO2009087598A1 - Transactions financières électroniques - Google Patents

Transactions financières électroniques Download PDF

Info

Publication number
WO2009087598A1
WO2009087598A1 PCT/IB2009/050049 IB2009050049W WO2009087598A1 WO 2009087598 A1 WO2009087598 A1 WO 2009087598A1 IB 2009050049 W IB2009050049 W IB 2009050049W WO 2009087598 A1 WO2009087598 A1 WO 2009087598A1
Authority
WO
WIPO (PCT)
Prior art keywords
facilitating
transaction
transactor
code
control arrangement
Prior art date
Application number
PCT/IB2009/050049
Other languages
English (en)
Inventor
Roger Henri Levy
Original Assignee
Northern Jungle Trading 270 (Proprietary) Limited
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 Northern Jungle Trading 270 (Proprietary) Limited filed Critical Northern Jungle Trading 270 (Proprietary) Limited
Publication of WO2009087598A1 publication Critical patent/WO2009087598A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/4014—Identity check for transactions

Definitions

  • This invention relates to electronic financial transactions. More particularly it relates to a facilitating organization control arrangement, an electronic financial transaction system, a method of facilitating an electronic financial transaction and a method of facilitating a refund from a supplier of goods or services to a purchaser in respect of a failed electronic transaction.
  • the invention Generally according to the invention electronic transactions by persons who do not have banking accounts are facilitated.
  • the invention also facilitates electronic transactions by persons who have banking accounts and credit or debit card accounts, who, for some reason, do not wish to use them. Additionally the invention enables persons who have purchased goods or services which have not been delivered to be reimbursed.
  • a facilitating organization control arrangement for facilitating an electronic financial transaction, involving a transaction amount, between a transactor and a transactee utilizing one of a number of authorized intermediaries, which includes a first code supply module for supplying the transactor with a first code; a confirmation receiving module for receiving a confirmation from a selected intermediary that the transactor has paid the transaction amount to it; and a payment notifying module for notifying the transactee that the transactor has paid the transaction amount.
  • a method of facilitating an electronic financial transaction involving a transaction amount, between a transactor and a transactee utilizing one of a number of authorized intermediaries, which includes supplying the transactor with a first code; receiving confirmation from a selected intermediary that the transactor has paid it the transaction amount; and notifying the transactee that the transactor has paid the transaction amount.
  • the transaction may be the purchase of goods or services or the transfer of money.
  • the transactor is the person buying the goods or services and the transactee is the entity supplying the goods or services.
  • the transactor is the person supplying the money and the transactee is the person receiving the money.
  • the transactee will, in a preferred form of the invention, supply the first code to the selected intermediary, and the intermediary will supply the facilitating organization that is implementing the invention with a returned code, confirming that the transaction amount has been paid.
  • the invention may include receiving the returned code from the authorized intermediary and the confirmation receiving module may include a returned code receiver for receiving the returned code from the selected intermediary.
  • the returned code may include the first code.
  • the invention may further include the supply of a second code to the transactor when confirmation is received from the intermediary that payment has been effected.
  • the second code may be supplied to the transactor via the authorized intermediary and/or to the transactor.
  • the second code may also be supplied to the transactee. Where the transaction is the purchase of goods or services, the transactee then supplies the goods or services. In the case of money transfer, the transactee then provides the second code to any one of a number of participating entities in order to receive the relevant amount.
  • the first code may include the name of the transactor, an identifier of the transactor, the name of the transactee, the nature of the transaction, the goods or services to be provided and/or the transaction amount.
  • the facilitating organization control arrangement may thus include an identifier input device whereby the transactor may enter his identifier and the method may include the step of requiring the transactor to enter his identifier.
  • the system may further include a storage device for storing the identifiers of a number of potential transactors and a verifier for verifying that the identifier received from a person desiring to conduct a transaction is the identifier of that person.
  • the first code may include a time stamp, the facilitating organization control arrangement including a clock and a time stamp generator for generating the time stamp for each first code. The first code may then be usable for a predetermined time period.
  • the first and second codes may be in a humanly discernable and recognizable form. Preferably they may comprise alphanumeric strings. They may be communicated to the appropriate party via the Internet, as an email or as a text message via a cellular telephone network.
  • the system may include code generators for generating the first and second codes in accordance with predetermined algorithms and a decoder for extracting information contained in the returned code.
  • the first code supply module may have a first code generator and the payment notifying module may have a second code generator.
  • the confirmation receiving module may have the decoder.
  • the facilitating organization control arrangement may further include a transactor registration module whereby a person may register as a potential transactor.
  • the registration module may have the identifier input device.
  • the facilitating organization control arrangement may include a transaction initiation module whereby a person wishing to transact may initiate a transaction.
  • This transaction initiation module may then have the identifier verifier to verify an identifier supplied electronically via a communication network.
  • the person wishing to transact will also supply the transaction initiation module details of the transaction, being the identity of the transactee, the nature of the transaction and the transaction amount. These will also be stored in the storage device.
  • the identifier may be a PIN and/or a biometric scan.
  • the biometric feature may be of the person himself where a person is a transactor or transactee, or that of an authorized representative if the transactor or transactee is an entity.
  • the second code may include the name of the transactor, the transactor's address, the name of the transactee, the identity of the intermediary where payment was effected, the amount paid, the nature of the transaction and details of the goods or services to be supplied.
  • the second code may include an identifier for the transactee.
  • the intermediary will pay the transaction amount, less a commission, to the facilitating organization and that the said organization will also retain a commission and pay the balance to a merchant in the case of the supply of goods or services.
  • the said organization will pay the balance to the participating entity who has paid the money to the transactee.
  • an electronic financial transaction system for facilitating an electronic financial transaction which includes a facilitating organization control arrangement as described above; and a plurality of confirmation notice supply units, located at the intermediaries, for supplying a confirmation notice to the facilitating organization control arrangement to confirm that a transactor has paid a transaction amount.
  • each confirmation notice supply unit has a first code input device, an amount paid input device and a returned code generator.
  • the transactor may also be required to provide the selected intermediary with his identifier, in which case each confirmation notice supply unit also has an identifier input device.
  • a facilitating organization control arrangement for facilitating a refund from a supplier of goods or services to a purchaser in respect of a failed electronic transaction includes a refund voucher generating module for generating a refund voucher for the purchaser for presentation to an authorized participating refund organization whereby the purchaser may be repaid the relevant purchase amount.
  • a method of facilitating a refund from a supplier of goods or services to a purchaser in respect of a failed electronic transaction which includes generating a refund voucher for the purchaser for presentation to an authorized participating refund organization whereby the purchaser may be repaid the relevant purchase amount.
  • the voucher generating module may provide a voucher which has the name of the payee, an identifier of the payee and the refund amount.
  • the voucher generating module may further provide details of an account from which the payment amount is to be paid.
  • the method may include supplying the voucher to the purchaser.
  • the authorized participating refund organization may have a network of automated teller machines (ATM's), and they may be used to provide cash to payees, either when money is being transferred or in the case of a refund.
  • ATM's may have, as an initial menu option, the provision of cash as facilitated by the facilitating organization. If this option is selected, the user is then prompted to enter the relevant code and provide his identifier. The code and identifier are then transmitted to the refund organization and forwarded to the facilitating organization for verification. If it is verified, the relevant ATM is instructed to pay the appropriate amount.
  • the system may thus include a network of ATM's, which may have biometric sensors.
  • FIG. 1 shows schematically an implementation of the invention
  • FIG 2 shows schematically a facilitating organization control arrangement in accordance with the invention
  • Figure 3 shows schematically a customer access station
  • Figure 4 shows schematically a confirmation notice supply unit for use by intermediaries.
  • a facilitating organization control arrangement 10 located at and operable by a facilitating organization, is contactable by a number of potential customers 12.1 to 12.n, who wish to purchase goods or services from participating suppliers 14.1 to 14. p. These potential customers 12.1 to 12.n do not have bank accounts or credit or debit cards, or, if they do, they do not wish to use them or are unable to use them.
  • the facilitating organization has arranged for a number of authorized financial intermediaries 16.1 to 16.q to assist.
  • the facilitating organization control arrangement 10 communicates with the potential customers 12.1 to 12.n via a link 18, with the suppliers 14.1 to 14.p via a link 20, and with the intermediaries 16.1 to 16. q via a link 22.
  • These links 18, 20 and 22 may be of any suitable type.
  • the link 18 may be a communication network such as the Internet, a cellular telephone network or a satellite telephone network; the link 20 may also be the Internet; and the link 22 may be a financial communication network or the Internet.
  • the intermediaries 16.1 to 16.q may, for example, be the branches of a bank or the stores of a supermarket chain.
  • the facilitating organization control arrangement 10 checks that the person concerned and the supplier are registered, and then supplies the person with a first code. The person then physically goes to any one of the intermediaries 16, within a predetermined time period such as 2 or 48 hours, and gives the first code to the intermediary 16. The intermediary 16 transmits the first code to the facilitating organization control arrangement 10, where it is checked.
  • the facilitating organization control arrangement 10 sends a message to the relevant intermediary 16 informing the intermediary 16 that the first code has been verified and the amount to be collected.
  • the customer 12 pays the amount to the intermediary 16 in cash, and the intermediary 16 sends a confirmation to the facilitating organization control arrangement 10 that the amount has been paid.
  • the facilitating organization control arrangement 10 then generates a second code and sends it to the relevant intermediary 16 and the customer 12.
  • the second code is supplied by the intermediary 16 to the customer 12, as confirmation of payment.
  • the second code is also sent to the supplier 14 to inform the supplier that the purchase amount has been paid.
  • the customer 12 is given a refund. This is done by the facilitating organization control arrangement 10 generating a third code and supplying it to the customer 12. The customer 12 then presents the third code to one of the intermediaries 16 who refunds the customer 12 the relevant amount and informs the facilitating organization control arrangement 10 who then informs the supplier 14.
  • the customer 12 has to prove his identity. This is effected by the customer 12 having to provide an identifier, which may be a PIN, but is preferably his fingerprint.
  • an identifier which may be a PIN, but is preferably his fingerprint.
  • the facilitating organization control arrangement 10 which stores the fingerprint in a database together with details of the customer 12, such as his name, address, ID number, photograph, and the like.
  • the customer 12 orders the goods or services he is required to provide the fingerprint. He is also required to provide the fingerprint when he pays the intermediary 16 or when he requests a refund from the intermediary.
  • the first code incorporates information such as an indicator that it is a first code, the name of the customer, his identifier, the supplier, the purchase amount and a date stamp. These items of information are encoded into a string of alphanumeric characters that are humanly discernable and recognizable.
  • the second code may incorporate an indicator that it is a second code, the identity of the intermediary that received the payment, a date stamp, the amount paid, the name of the customer and his address, the name of the supplier, and the goods or services purchased.
  • the third code may incorporate an indicator that it is a third code, the name of the customer, his identifier, the name of the supplier, the purchase amount and a date stamp.
  • each transaction may be given a unique transaction identifier by the facilitating organization control arrangement 10, with details of each transaction being recorded in the database together with the transaction identifier.
  • each code may then conveniently have a code indicator and the transaction identifier, with the necessary details being retrieved from the database by the facilitating organization control arrangement 10 when necessary.
  • the suppliers 14 are not relevant and the customer 12 supplies the facilitating organization control arrangement 10 with the name of the payee and an identifier such as the payee's ID number.
  • the facilitating organization control arrangement 10 may also supply a further identifier such as a PIN, which is included in the first code and communicated to the customer and which the customer then gives to the payee, the payee then having to provide this PIN when collecting the money.
  • the relevant information is contained in the second code which the customer has to give to his desired payee and which the payee then has to give to a selected one of the intermediaries 16, together with the PIN, in order to have the relevant amount paid to him.
  • the intermediary 16 selected by the payee then forwards the second code to the facilitating organization control arrangement 10 for verification or verifies it itself. Once the second code has been verified, the selected intermediary 16 pays the payee the relevant amount.
  • the facilitating organization control arrangement 10 has a first code supply module
  • modules 18, 20 and 22 are connected to an interface 24 and a storage device 26.
  • the control arrangement 10 further has a registration module 28, a transaction initiating module 30 and a refund voucher generating module 32. These modules 28, 30 and 32 are also connected to the storage device 26 and the transaction initiating module 30 and the refund voucher generating module 32 are connected to the interface 24. By means of the interface 24 the modules 18, 20, 22, 30 and 32 are able to communicate with the Internet or telephone network as described above.
  • the control arrangement 10 further has a clock 34 which generates time signals for date stamp generators.
  • the registration module 28 has a fingerprint scanner 36, a camera 38 and a keyboard 40, whereby a fingerprint of a prospective customer 12, his photograph and details such as his name, address, ID number and the like are captured and stored in the storage device 26.
  • the transaction initiating module 30 has a fingerprint verifier 42 whereby a fingerprint supplied by a prospective customer via the Internet and the interface 24 is compared with the stored fingerprint and verified.
  • the first code supply module 18 has a first code generator 44 and a tie stamp generator 46.
  • the transaction initiating module 30 is connected to the first code supply module 18 to activate it when the fingerprint supplied by the customer has been verified.
  • the first code generator 44 When the first code supply nodule 18 has been activated, the first code generator 44 generates the first code, as described above, using the time stamp supplied by the time stamp generator 46, the fingerprint identifier stored in the storage device 26, details of the customer also obtained from the storage device 26 and the other relevant items supplied by the customer, and the first code is transmitted to the customer 12 via the interface 24.
  • the confirmation receiving module 20 has a returned code receiver and decoder 48 for receiving and decoding a returned code from an intermediary 12 selected by the customer 12.
  • the information in the returned code is checked with information stored in the storage device 26 and, if correct, the payment notification module 22 is activated.
  • the payment notification module 22 has a second code generator 49 which generates the second code, as described above, using information stored in the storage device 26. The second code is then supplied to the customer 12 and the relevant supplier 14.
  • the customer 12 or the supplier 14 notifies the control arrangement 10 and on receipt of the appropriate notice the refund voucher generating module 32 provides a refund voucher which is supplied to the customer 12.
  • FIG. 3 is now referred to.
  • a customer access station 50 is shown.
  • the customer access station 50 has a control unit 52, an interface 54, a keyboard or keypad 56, a fingerprint scanner 58 and either a printer or display 60.
  • the customer access station 50 could be a computer station, either at an Internet cafe or belonging to the customer 12.
  • the customer access station 50 could, in particular, be a cellular telephone, if a code is being sent to the customer or if it is web enabled and the person can access the Internet via it. It will be appreciated that a customer wishing to place an order may do so using the customer access station 50 and is able to receive the various codes from the facilitating organization control arrangement 10 via it.
  • a confirmation notice supply unit for use by intermediaries is designated by reference numeral 70.
  • the equipment 70 also has a control unit 72, an interface 74, a keyboard 76, a fingerprint scanner 78 and a printer 80 whereby a receipt incorporating the second code may be printed and given to the customer.
  • the keyboard 76 constitutes a first code input device and an amount paid input device.
  • the controller 72 incorporates a returned code generator 82 whereby the returned code is generated, as explained above.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un dispositif de commande d'organisation de mise en forme destiné à mettre en forme une transaction financière électronique, impliquant un montant de transaction, entre un initiateur de la transaction et un destinataire de la transaction au moyen d'un intermédiaire parmi un certain nombre d'intermédiaires autorisés, qui présente un module de fourniture de premier code destiné à remettre un premier code à l'initiateur de la transaction, un module de réception de confirmation destiné à recevoir une confirmation d'un intermédiaire sélectionné auquel l'initiateur de la transaction a versé le montant de la transaction, et un module de notification de paiement destiné à signaler au destinataire de la transaction que l'initiateur de la transaction a versé le montant de la transaction. Le module de réception de confirmation est doté d'un récepteur de code de retour destiné à recevoir un code de retour de l'intermédiaire sélectionné. Un système de mise en forme de transactions financières électroniques est doté du dispositif de commande et d'une pluralité d'unités de fourniture d'avis de confirmation installées chez les intermédiaires et destinées à fournir un avis de confirmation au dispositif de commande d'organisation de mise en forme de façon à confirmer qu'un initiateur de la transaction a versé un montant d'une transaction. Le dispositif de commande permet également d'effectuer un remboursement d'un fournisseur de marchandises ou de services à un acheteur pour une transaction électronique ayant échoué, en faisant générer par un module de génération de bordereaux de remboursement un bordereau de remboursement destiné à l'acheteur pour présentation à une organisation de remboursement participante autorisée, grâce à quoi l'acheteur peut être remboursé du montant de l'achat concerné.
PCT/IB2009/050049 2008-01-08 2009-01-08 Transactions financières électroniques WO2009087598A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200800203 2008-01-08
ZA2008/00203 2008-01-08

Publications (1)

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WO2009087598A1 true WO2009087598A1 (fr) 2009-07-16

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PCT/IB2009/050049 WO2009087598A1 (fr) 2008-01-08 2009-01-08 Transactions financières électroniques

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IT201700067803A1 (it) * 2017-06-19 2018-12-19 Your Voice S P A Sistema elettronico per la gestione di acquisti

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000022557A2 (fr) * 1998-10-15 2000-04-20 Procorp Asa Procede et systeme de paiement de biens et de services via un reseau informatique
WO2000057328A2 (fr) * 1999-03-19 2000-09-28 Compaq Computers Inc. Systeme d'achats anonymes fournissant via les chemins d'achats des identifications verifiables pour le remboursement
WO2002008868A2 (fr) * 2000-07-26 2002-01-31 Biometrics Imagineering, Inc. Centre commercial electronique
WO2002011028A1 (fr) * 2000-07-27 2002-02-07 Eft Datalink, Incorporated Systeme de transfert de valeur pour des clients sans compte de banque
US20020095374A1 (en) * 2000-12-26 2002-07-18 Ellis Robert Lynn Method and apparatus for processing cash payments for electronic and internet transactions

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000022557A2 (fr) * 1998-10-15 2000-04-20 Procorp Asa Procede et systeme de paiement de biens et de services via un reseau informatique
WO2000057328A2 (fr) * 1999-03-19 2000-09-28 Compaq Computers Inc. Systeme d'achats anonymes fournissant via les chemins d'achats des identifications verifiables pour le remboursement
WO2002008868A2 (fr) * 2000-07-26 2002-01-31 Biometrics Imagineering, Inc. Centre commercial electronique
WO2002011028A1 (fr) * 2000-07-27 2002-02-07 Eft Datalink, Incorporated Systeme de transfert de valeur pour des clients sans compte de banque
US20020095374A1 (en) * 2000-12-26 2002-07-18 Ellis Robert Lynn Method and apparatus for processing cash payments for electronic and internet transactions

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IT201700067803A1 (it) * 2017-06-19 2018-12-19 Your Voice S P A Sistema elettronico per la gestione di acquisti

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