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1. (WO2017041154) CONSUMER CREDIT AND PAYMENT METHOD IN A CLOUD PAYMENT SERVICE, AND PAYMENT TERMINAL
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Pub. No.: WO/2017/041154 International Application No.: PCT/BR2016/050222
Publication Date: 16.03.2017 International Filing Date: 06.09.2016
IPC:
G06Q 20/28 (2012.01) ,G06Q 20/20 (2012.01) ,G06Q 30/06 (2012.01) ,G06Q 20/34 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
22
Payment schemes or models
28
Pre-payment schemes, i.e. "pay before"
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
20
Point-of-sale [POS] network systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30
Commerce, e.g. shopping or e-commerce
06
Buying, selling or leasing transactions
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
34
using cards, e.g. integrated circuit [IC] cards or magnetic cards
Applicants:
CIELO S.A. [BR/BR]; Alameda Xingú, 512, Alphaville Industrial, andares 21° ao 31º 06455-030 Barueri - SP, BR
Inventors:
DO NASCIMENTO, Rafael; BR
DE MELO FARIA, Renato; BR
Agent:
DANNEMANN, SIEMSEN, BIGLER & IPANEMA MOREIRA; Rua Marquês de Olinda, 70 22251-040 Rio de Janeiro - RJ, BR
Priority Data:
BR102015022482-610.09.2015BR
BR102015022691-811.09.2015BR
Title (EN) CONSUMER CREDIT AND PAYMENT METHOD IN A CLOUD PAYMENT SERVICE, AND PAYMENT TERMINAL
(FR) PROCÉDÉ DE RÉALISATION DE RÉSERVE DE CONSOMMATION ET DE PAIEMENT DANS UN SERVICE DE PAIEMENT EN NUAGE, ET TERMINAL DE PAIEMENT
(PT) PROCESSO DE RESERVA DE CONSUMO E DE PAGAMENTO EM UM SERVIÇO DE PAGAMENTO DE NUVEM, E TERMINAL DE PAGAMENTO
Abstract:
(EN) The present invention pertains to the technical field of payment means. The invention relates to a consumer credit and payment method in a cloud payment service including the following steps: the cloud payment service (6) stores a consumer credit (21) which is linked to the identifier of a beneficiary (7); in order to pay the value of a completed transaction (26), the beneficiary (1) requests the consumer credit payment function (24), the cloud payment service (6) transmits a payment confirmation (27) and defines a new, updated consumer credit value (28). The present invention also relates to a payment terminal.
(FR) La présente invention relève du domaine technique des moyens de paiement. L'invention concerne un procédé de réalisation de réserve de consommation et de paiement dans un service de paiement en nuage, comprenant les étapes suivantes : le service de paiement en nuage (6) stocke une réserve de consommation (21) qui est liée à l'identifiant d’un utilisateur bénéficiaire (7) ; pour payer la valeur d'une transaction consolidée (26), l'utilisateur bénéficiaire (1) fait appel à la fonction de paiement par réserve de consommation (24) ; le service de paiement en nuage (6) communique une confirmation de paiement (27) et définit une nouvelle valeur de consommation actualisée (28). La présente invention concerne également un terminal de paiement.
(PT) A presente invenção pertence ao setor técnico dos meios de pagamento. A invenção refere-se a um processo de reserva de consumo e de pagamento em um serviço de pagamento de nuvem, que inclui as seguintes etapas: o serviço de pagamento de nuvem (6) armazena uma reserva de consumo (21) que é vinculada ao identificador de um usuário beneficiário (7); para pagar o valor de uma transação consolidada (26), o usuário beneficiário (1) solicita a função de pagamento por reserva de consumo (24); o serviço de pagamento de nuvem (6) comunica uma confirmação de pagamento (27) e define um novo valor de consumo atualizado (28). A presente invenção refere-se também a um terminal de pagamento.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Portuguese (PT)
Filing Language: Portuguese (PT)