WO2019000060A1

WO2019000060A1 - System and method for identification and provision of access to a data operator, provision of information, user authentication, equivalent operator selection, establishment of communication via an authentication and communication protocol, and transmission of data and instructions to the equivalent operator

Info

Publication number: WO2019000060A1
Application number: PCT/BR2017/050162
Authority: WO
Inventors: Diego Sant 'ana DA SILVA
Original assignee: Da Silva Diego Sant Ana
Priority date: 2017-06-26
Filing date: 2017-06-26
Publication date: 2019-01-03

Abstract

The present invention relates to a system for the identification and provision of access to a data operator, comprising a user interface; a device for communication between the user interface and a service server; a service server; a device for communication between the service server and an operator or first operator; a database on the first-operator side; a device for verification of the integrity of the return data from the first operator; a device for automatic selection of a second operator; a device for communication with the second operator; a device for confirmation of the return between the second operator and the service server; and a device for the return of information to the user interface. The present invention further relates to a method to be implemented by the system and to an equivalent computer program.

Description

SYSTEM AND METHOD FOR IDENTIFYING AND ACCESSING A DATA OPERATOR, INFORMATION AVAILABILITY,

AUTHENTICATION OF USER, SELECTION OF OPERATOR

EQUIVALENT, ESTABLISHMENT OF UNIQUE VIA PROTOCOL OF AUTHENTICATION AND COMMUNICATION, TRANSMISSION

OF DATA AND INSTRUCTIONS TO THE EQUIVALENT OPERATOR

Application field

The present invention pertains to the field of data processing systems and methods, communication and data transfer schemes and protocols.

Introduction

The present invention relates to a system and method for identifying and accessing a user to a specific data operator by means of a user-bound access device, checking the availability of the information and the operation desired by the user , user authentication after positive verification of availability, selection of equivalent operator, establishment of communication through an authentication protocol and communication with the equivalent operator and transmission of data packets and instructions for this equivalent operator.

The present invention further relates to a computer program which coordinates and manages a system according to the invention and performs a method according to the invention.

Fundamentals of the invention

The establishment of protocols for information and transmission of data and instructions between equivalent operators to and from the instructions of a particular user configures a procedure known from the prior art for several years.

[005] An example of such a procedure is a user's access to a given device administered by a given for example, information (database) or securities (banking institutions) or access or content (operators and telephony providers, internet etc).

[006] In order to obtain from this operator a particular service or product, the user usually accesses a user interface of this particular operator, accesses the operator, verifies the availability of a certain service, authenticates, and then requests a particular product or service.

Procedures of this nature are known and customary and include, but are not limited to, access to telephone service providers which, when used to establish a call with an apparatus of another operator, will do so through their standard interface, without consider whether the destination operator offers a compatible or advantageous operation for the user with the originating operator.

Another known procedure is that of communication protocols between the user and an operator of values to perform a certain payment or transfer of funds or withdrawal of physical values (in kind), possible for the user only in interfaces of the same operator, limiting the range of transactions.

State of the art

[009] There is a wide variety of available and known solutions for the access of a user to a particular operator for the contracting of a particular product or service.

[010] A common prior art operation comprises access to the provision of cash in kind using a credit card, a procedure known in the banking sector as a "cash drawer".

[01 1] This operation is as follows: the user goes to an interface of his operator (for example ATM or ATM) and requests the cash withdrawal with the credit card he holds. If credit is available that is compatible with the credit limits on the card, the value is made available immediately in cash and charged to the next credit card bill.

[012] Today this operation is only possible if the user makes the service at the interface (ATM) of the operator / card administrator itself or at an agreed service point that has access to that institution. For example, a customer of an operating institution A can only obtain resources using the credit card from operator A on the interfaces of operator A, not on the interfaces of another operator B or C, etc. The user is limited to this operator THE.

[013] In the way currently known, if there is no operator interface A next to the user, there is no way to obtain the cash resource in kind. In addition, the cash is made available in cash, forcing the user to go to an interface of that operator. This means that if only the credit in account (with the respective charge on the card's invoice) is what the user wants, the user will have to go to the institution, make a withdrawal with the credit card and then deposit in his own account, awaiting the respective cash count and bank clearing.

[014] In this sense, it is seen that the cash withdrawal is only a possible operation in those card administrators that also have interfaces (ATM), limiting the user's access, which occurs, for example, in shops, institutions virtual bank etc. virtual stores and virtual banks, for example, issue a credit card, but do not have self-service interfaces and also do not have a physical agency, so you can not provide this cash withdrawal service in cash.

[015] Patent examples of these solutions are those described by US 8,468,101, WO 2003 56525, US 5,987,439, WO 2013 15749 and the like which, as already described above, limit the users' access and transaction possibilities to the conditions offered by same operator. [016] It is important to remember that these traditional operations are subject to tariffs or collections of values. Banks usually charge a service fee or similar and interest up to the date of payment of the credit card bill.

That said, there is space and demand for a system and method of operation of the nature discussed here, which is competitive in terms of costs and fees to the user, which allows the user holding any credit card to request a cash credit (money) in any banking institution other than that of the card and in which you have an account.

[018] In addition, there is a lack of an option for the market that allows even non-ATM managers to offer cash withdrawals to their customers.

Objectives of the invention

One of the objects of the present invention is therefore to provide a system according to the features of claim 1.

[020] Another aim of the present invention is to provide a method according to the features of claim 6.

[021] Still another object of the present invention is to provide a computer program according to the features of claim 7.

Detailed description of the invention

System

A system according to the invention is a system capable of performing the identification and access of a user to a specific data operator by means of a user-bound access device.

[023] Once the access is made, the system verifies the availability of the information and operation desired by the user, authenticates the user upon positive verification of the availability of the information and operation, selects an equivalent operator from a list of predetermined operators, establishes communication through an authentication and communication protocol with the equivalent operator and transmits data packets and instructions to this equivalent operator. [024] A system of this nature, therefore, comprises at least:

1. User interface;

2. Communication device between user interface and service server

3. Service server;

4. Communication device between the service server and operator or first operator;

5. Database on the side of the first operator;

Device for checking the integrity of the return data of the first operator;

7. Automatic selection device of a second operator;

Communication device with the second operator;

A device for confirming the return between the second operator and the service server; and

10. Information feedback device for the user interface.

A system according to the invention is a system capable of allowing a user to instantly obtain cash (money), transferred to any account of which he is a holder, be it a checking account or a savings account or the like account, independent of the credit card that the user owns.

[026] The Service Server is able to identify to which bank the credit should be transferred, automatically choosing the best source account, requesting the transfer between accounts of the same institution.

[027] In addition, the user can have the money available in a few minutes, as long as the request is made within banking hours, making payment in installments (at the invoice of the card) as best suits you.

[028] By means of a user-side access device which may be, but is not limited to, a cellular or similar mobile telephone having a specific application, with access to any mobile platform, the user connects to the Services Server.

[029] In the first access the user informs his personal data and the others necessary for transactions of this nature, such as data of the current account or savings in which he wishes to receive the values when requested, besides the data related to the credit card of which will be charged (charged) the value made available.

[030] When the user needs money, simply select a destination account (between previously registered) and the credit card in which you want to be charged (among those previously registered), informing the amount required and the amount of installments to be paid.

[031] It should be noted that destination account can be from any bank and the credit card can be from any operator / administrator and also from any flag.

[032] Upon completion of the request, the Services Server makes a request to the card operator requesting confirmation of the card limit and due debit (billing). If the customer does not have available credit on the registered / selected card, thus, the negative card manager returns, the transaction is terminated at this time. The service server will send a message to the user-side access device, with the corresponding information.

[033] If the user has a valid credit, that is, available balance on the registered / selected credit card, the return of the card administrator will be positive. In this case, the service server will perform data validation. The validation of data is to confront if the card has the same holder than the access device on the user side, if the CPF or other document informed is valid and checks with the holder if the target account is a valid account, if the request made to the card administrator was answered correctly, among other certifications that are necessary. [034] You can still use the application to transfer features to another application user. In this case, both must be registered in the service and the target account will be an account belonging to the second user.

[035] To execute this option, it is sufficient for the user to select which credit card he wishes to be charged (among those previously registered), informing the amount he wishes to transfer and the number of installments to be paid, informing the CPF or other individual the second user of that person to whom you want to transfer.

[036] The Service Server, after entering the data of the second user, will locate it and return it informing the data for conference by the plaintiff user (the credit card holder in which it will be charged). The receiving user (the second user) will receive an alert, stating that the first user wants to transfer resources. The second user will then select which current account or savings account (from those previously registered) wishes to receive the funds, which will be transferred immediately.

[037] Once the application intelligence service completes the analysis and validation process, the transfer is performed automatically and the operation is completed resulting in the value credited to the registered / selected account (target account), with the corresponding message to the user.

The banking operation of the present system, that is, the operation involving the movement of cash in kind, involves a real-time transference, since in this (server or part of the processing as a whole) one has an intelligence where there is transfer management between the same bank.

[039] When the user makes an application via the application for cash, the service server is able to identify the customer's bank (target account) and manage multiple application accounts (bank automatic processing and selection ), thus proceeding with the for transfer between the same bank, reducing time and cost.

[040] For example: if the user requested that the cash be credited to an account of a Bank 1, the server is able to automatically identify and communicate Bank 1, making the request for the transfer between and account belonging to the application and the destination account. In this way, account origin and destination account will both be from Bank 1, belonging to the same banking institution or conglomerate.

[041] It should be noted that the number of accounts managed by the Service Server is, in theory, not limited, and the server can manage dozens of accounts for this purpose.

[042] Another point of relevance is that until a time limit to be defined, within the so-called "banking hours", the cash can be made available immediately by the company holding the application (concomitant with the authorization of the credit card), being necessary ( for the credit in the target account) only the processing time that the bank holding the origin and destination accounts takes to operate this transaction type (transfer between accounts of the same institution).

[043] Once the operation is successful, the information is returned to the Service Server. The service server will return a message to the client (on the user-side access device). If for any reason the transfer can not be completed at this stage (outside the institution's opening hours, for example), the corresponding information message will be displayed to the user.

Method

[044] A method according to the invention is a method performed by a system according to the invention and comprising the following method steps:

1 . Identification and access of a user to a specific data operator, through a user-bound access device; 2. Request for verification of the availability of information and operation desired by the user, made by the specific data operator to a second data operator;

3. Confirmation of user data after positive verification of the second operator ("positive return");

4. Selection, by the specific operator, of operator equivalent to that informed by the user;

5. Establishment of communication through an authentication protocol and communication with the operator equivalent to that informed by the user; and

6. Transmission of data packets and instructions to this equivalent operator.

Computer program

The present invention further contemplates a computer program capable of coordinating and administering a system and performing a method, both in accordance with the invention.

Final considerations

The present invention therefore provides a system and also a specific method, both novel and inventive with respect to their peers of the prior art.

The system and method according to the invention provide value transfer flexibility, security and optimum performance regardless of the characteristics and infrastructure of the operators in question.

[048] Finally, it will be readily understood by those skilled in the art that modifications may be made in the present invention without departing from the concepts set forth in the foregoing description. Such modifications should be understood as falling within the scope of the present invention. Accordingly, the particular embodiments described in detail above are only illustrative and exemplary and are not limiting as to the scope of the present invention, which must be given the full extent of the appended claims and any and all equivalents thereof.

Claims

A system for identifying and accessing a data operator, characterized in that it comprises:

1. User interface;

2. Communication device between user interface and service server;

3. Service server;

5. Database on the side of the first operator;

Device for checking the integrity of the return data of the first operator;

7. Automatic selection device of a second operator;

Communication device with the second operator;

10. Information feedback device for the user interface.

A system according to claim 1, characterized in that it provides a user with obtaining cash (money) transferred to any destination account of which he holds, regardless of the type of account and the type of card the user has.

System according to claim 1, characterized in that the Service Server is responsible for identifying the bank to which the credit is to be transferred, automatically choosing the best source account, requesting the transfer between accounts of the same institution.

A system according to claim 1, characterized in that the connection between the user and the Service Server is given by means of an access device.

A system according to claim 1, characterized in that the transfer of values is possible from one user to another user of the application.

A method for identifying and accessing a data operator executed by a system according to claims 1 to 5, characterized in that it comprises the following method steps:

1. Identification and access of a user to a specific data operator, through a user-bound access device;

2. Request for verification of the availability of information and operation desired by the user, made by the specific data operator to a second data operator;

A computer program, characterized by coordinating and administering a system according to claims 1 to 5 and executing a method according to claim 6.