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1. WO2018154082 - SYSTEM AND METHOD FOR PROCESSING A BANKING TRANSACTION

Publication Number WO/2018/154082
Publication Date 30.08.2018
International Application No. PCT/EP2018/054590
International Filing Date 23.02.2018
IPC
G06Q 20/38 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 20/22 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
22Payment schemes or models
CPC
G06Q 20/227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
22Payment schemes or models
227characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/387
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
387Payment using discounts or coupons
G06Q 2220/00
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
2220Business processing using cryptography
H04L 9/50
Applicants
  • BUISSON, Gilles [FR]/[FR]
Inventors
  • BUISSON, Gilles
Agents
  • HAUTIER, Nicolas
Priority Data
175149324.02.2017FR
Publication Language French (fr)
Filing Language French (FR)
Designated States
Title
(EN) SYSTEM AND METHOD FOR PROCESSING A BANKING TRANSACTION
(FR) SYSTÈME ET PROCÉDÉ DE TRAITEMENT D'UNE TRANSACTION BANCAIRE
Abstract
(EN) The invention relates to a system for processing a banking transaction, comprising a payment card associated with at least one identifier ID-FC associated with a first bank account CBD and associated with a second bank account CBC; the second bank account CBC may be considered a bank account secured by the first bank account CBD; a database is configured to store both the identifier ID-CBD and the identifier ID-CBC in a manner associated with the identifier ID-FC of the payment card; when the banking transaction is performed, the payment amount is debited from the first bank account CBD; and an saved amount is defined, preferably calculated according to data concerning the banking transaction, then credited to the second bank account CBC; the invention thus offers a system that allows, while a banking transaction performed by a carrier of a payment card is being processed for a purchase of merchandise, not only to debit a bank account with a payment amount, but also to directly credit another bank account with a saved amount that is calculated according to at least data associated with the payment card and information about the banking transaction.
(FR) L'invention porte sur un système de traitement d'une transaction bancaire, comprenant une carte de paiement associée à au moins un identifiant ID-FC associé à un premier compte bancaire CBD et associée à un deuxième compte bancaire CBC; le deuxième compte bancaire CBC pouvant être considéré comme un compte bancaire adossé au premier compte bancaire CBD; une base de données est configurée pour stocker à la fois l'identifiant ID-CBD et à la fois l'identifiant ID-CBC de manière associée à l'identifiant ID-FC de la carte de paiement; lorsque la transaction bancaire est effectuée, le montant de paiement étant débité sur le premier compte bancaire CBD; et un montant épargné étant défini, de préférence calculé en fonction des données concernant la transaction bancaire, puis étant crédité sur le deuxième compte bancaire CBC; l'invention proposant ainsi un système permettant, lors d'un traitement d'une transaction bancaire effectuée par un porteur d'une carte de paiement pour un achat d'une marchandise, non seulement de débiter un compte bancaire d'un montant de paiement, mais aussi de créditer directement un autre compte bancaire d'un montant épargné calculé en fonction d'au moins des données associées à la carte de paiement et des informations concernant la transaction bancaire.
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