EA028338B1 - Method and system for effecting a purchase transaction - Google Patents

Abstract

The invention is related to the field of effecting payment operations, formation of individual conditions for purchases, study, analysis and forecast of the buyer's market. The technical result attained by the invention that controls purchase conditions consists in personalizing the purchase conditions, security of personal data used during execution of purchase, facilitation of scalability of the purchase conditions control system. Said technical result is attained by provision of a method for purchase conditions control including steps at which: purchase data are formed by means of a cash register; information from the buyer's bank card is read by means of POS terminal or mPOS terminal; unilateral conversion of the bank card information to a unique buyer identifier is performed by means of POS terminal or mPOS terminal; a data batch containing the unique buyer identifier and the purchase data is transmitted from POS terminal or mPOS terminal to a purchase registration service host by means of a communication line of the international payment systems; processing of the data batch is performed at the purchase registration service host with regard for preset purchase conditions; the processed data batch is returned to POS terminal or mPOS terminal; the purchase is paid for.

Description

(57) The invention relates to the field of payment transactions, the formation of individual conditions for making purchases, market research of customers for its analysis and forecasting. The technical result achieved by the solution that manages the conditions of the purchase consists in simultaneously personalizing the conditions of the purchase, the security of personal data used when making the purchase, and simplifying the scalability of the system for managing the conditions of the purchase. The specified technical result is achieved due to the fact that the proposed method for managing the conditions of the purchase, which includes the steps at which generate data about the purchase by means of a cash register; reading information from a bank card presented by the buyer through the ΡΟδ-terminal or ηιΡΟΡΟδ-terminal; carry out one-way conversion of bank card information into a unique identifier of the buyer through the ΡΟδ-terminal or ιηΡΟδ-terminal; transmitting a data packet containing a unique identifier of the buyer and purchase data from the ΡΟδ terminal or ηιΡΟδδ terminal to the host of the purchase registration service via the communication line of international payment systems; process the data packet on the host of the purchase registration service, taking into account predefined purchase conditions; the processed data packet is returned to the ΡΟδ terminal or ιηΡΟδ terminal; pay for the purchase.

FIELD OF THE INVENTION

The invention relates to the field of payment transactions, in particular to the formation of individual conditions for making purchases, research of the buyers' market, its analysis and forecasting.

State of the art

At present, the terms of purchases cannot be adjusted in a sufficiently flexible way; on the part of the seller, these conditions are limited to issuing discount cards, holding promotions, sales, etc., i.e. these conditions are not personalized and, at best, are configured for a group of customers, and more often for absolutely all customers.

The following solution is known in the art: patent KI 2162245 “Method of payment and receipt of services and goods using identification codes and a system for implementing the method” (IPC C06P 17/60, C07P 19/00, applicant Prigorovner Gennady Efimovich (KI), publ. . 01.20.2001).

The invention relates to the field of automation of commercial transactions and can be used in retail trade and in the provision of various types of services, preferably reference and advisory, as well as to create a universal payment system with which you can make various types of payments, including payment for goods or services on the Internet, for long-distance calls, cellular communications, satellite television, for goods or services ordered by phone, etc., make utility bills and mutual passed calculations. The technical result is to simplify the procedures for payment and receipt of goods and services, increase the convenience of applying for information and consulting services and expand the functionality of the system, simplify the implementation and operation of the system and reduce its cost. The system contains devices

1 ₁ .. .1 _Ν provision of identification codes, central control unit 2, devices

3 ₁ .. .3 _Ν forming requests and receiving responses for requests and actuators 4 for the operation of providing goods or services to a user. After acquiring the medium with recording the identification code of the goods and services, the applicant contacts the device 3 for generating requests and receiving responses for transmitting the identification code of the goods or services to the central control device 2. The identification code of the product or service transmitted by the user is checked for compliance with the established criteria, and if the verification result is positive, a response message is sent to the device 3 for generating requests and receiving answers to the requests, initiating the operation of providing the goods or services to the user.

The disadvantage of this invention is the lack of flexible (personalized) control of the terms of the purchase for a particular buyer.

The following solution is also known in the art: patent I8 2013110597 The process of dynamically proposing to a group for a direct selling system that uses networked mobile computing devices (IPC C06C 30/02, applicant BIA1K ΚΥΑΝ [I8]; SNAKYE8 1ΆΌΕ ΜΑΚΑΝΙ KOVEKSE [I8], publ. 2013-05-02).

The method on the server for managing offers at a discount for many users through a communication network. The method includes receiving a discounted offer, wherein the discounted offer contains at least a product or service description, an initial price, a discounted price lower than the initial price, a minimum number of acceptances and a time limit; and transferring discount offers to multiple users. The method further includes receiving discount offers and detecting the achievement of a predetermined time before the time limit. The method further includes reducing the minimum number of acceptances by numerically decreasing if the number of acceptances is less than the minimum number of acceptings at a predetermined time before the time limit, and retransmitting the offer with a reduced minimum number of acceptances to the mobile computers of a plurality of users.

The disadvantage of this invention is the lack of flexible (personalized) control of the terms of the purchase for a particular buyer.

The following solution is also known in the art: Patent AO 2012167217 (Α1) Online trading platform for transactions that effectively use collective purchasing power (IPC C.06C 20/12; C.06C 30/06, applicant RL8N RIKSNA8E TBC [I8]; 1ΟΗΝ8ΟΝ REMAINING [I8]; AEKV ELMER [I8]; 8SH8NE1MEK М1СНАЕ [I8], publ. 2012-12-06).

A market system in which buyers and sellers create deals for goods and services and buyers acquire discounts through the effective use of collective purchasing power. Buyers or sellers can create a new transaction (proposed transaction), which is then broadcast to other users of the system, inviting buyers to join the buying pool and informing relevant sellers about a possible transaction. When sellers satisfy the terms and conditions of the agreement of the buying pool or segment of the buying pool (transaction acceptance), at this point, transactions are carried out with the indicated reduction in price (transaction completion). The system simplifies the processes of initiating the right deal with a real discount, accumulating group purchasing power, negotiating terms and conditions and closing the deal. The system also 1 028338 ma registers information of buyers and sellers, tracks the archive of transactions and views and records various transfer speeds from participation in the transaction to actual purchases. These data are analyzed and made available as an information service for market participants.

The disadvantage of this invention is the lack of flexible (personalized) control of the terms of the purchase for a particular buyer.

The following solution is also known in the art: patent I8 2012179516 System and method for managing collective and group discount processing (IPC C06f 30/02; C06f 30/08, applicant ΡΑΚΗΚΑΙ EEAKAM [I8]; ΜΘδΗΡΕΟΗΙ ΜΕΗΚΆΝ [I8], publ. 2012 -07-12).

Methods and auction systems for discount processing are provided, and buyers combine their purchasing power to receive more competitive offers from sellers. Instead of sellers directly bidding for buyers from the shopping list, sellers update their discount rules and the discount processing method processes the latest seller discount rules and presents the results to buyers while the auction is active. Buyers dynamically form a group and invite others to join the group to increase their purchasing power and maximize discounts. Customers can form a social network with other customers to share a wish list, basket, discount scenarios. Customers who commit themselves to buying the total number of positions over a period of time increase their effective purchasing power over time. Sellers also form groups to offer higher general discounts or a set of positions for buyers.

The disadvantage of this invention is the lack of flexible (personalized) control of the terms of the purchase for a particular buyer.

The following solution is selected as a prototype: the patent KI 2271571 Trading information and analytical system (IPC S06f 30/00, applicant Paliy Vladimir Ivanovich (KI), published on March 10, 2006).

The invention relates to information and analytical computer trading tools and can be used to coordinate purchase and sale orders when conducting trading for cashless transactions using a communication network. The technical result is the expansion of functionality by controlling the supply and quality of goods / services. The system contains an authorization and registration unit, a role unit, a price proposal management unit, a pricing unit, a formula management unit, a logistics unit, an agreement management unit, a product search and contract conclusion unit, an order unit, an acceptance unit, a goods flow chart generation unit, a showcase unit , a block for the formation of characteristics of goods and parties, a block for managing goods, a block for purchasing goods, a block for payments, a block for accounting for goods in warehouses, a block for balances, a block for notifications, a block for registering documents, a block for a board pay distribution, automatic procedures block, activation block, analytics block, product card block, marketing block, participants block, sales block.

The disadvantage of this invention is the need to use a mobile phone to control the conditions of purchase.

Thus, in the prior art, no technical solution has been identified that would allow flexible (personalized) control of the purchase conditions for a particular buyer.

Disclosure of invention

In one aspect of the invention, a method for managing purchase conditions is disclosed, comprising the steps of generating purchase data by a cash register; read information from the bank card presented by the buyer through the ΡΘδ-terminal or tRO§terminal; carry out one-way conversion of bank card information into a unique identifier of the buyer through a PO8 terminal or TPO8 terminal; transmit a data packet containing a unique identifier of the buyer and purchase data from the PO8 terminal or TPO8 terminal to the host (server) of the purchase registration service via the communication line of international payment systems; process the data packet on the host of the purchase registration service, taking into account predefined purchase conditions; the processed data packet is returned to the PO8 terminal or TPO8 terminal; pay for the purchase.

In further aspects, it is disclosed that processing a data packet on a host of a purchase registration service includes at least one of providing discounts, charging bonuses, registering a purchase; predefined purchase conditions contain at least one of the settings relating to a specific buyer, settings relating to a specific purchase, settings relating to a shopping group, settings related to the season, settings related to the time of day, settings related to the purchase price, settings, related to the frequency of purchases by the buyer; one-way data conversion is a one-way cryptographic conversion; one-way information conversion is based on at least the ΡΑN bank card number; one-way conversion of information is based at least on the ΡΑN bank card number and card expiration date; through the host of the purchase registration service, additionally implement the functions of the loyalty program, such as accruing bonus points for purchases made,

- 2 028338 giving discounts, giving gifts, congratulating the buyer, taking actions to increase customer loyalty.

In another aspect of the invention, a system for managing purchase conditions is disclosed, comprising a cash register configured to generate purchase data; ΡΘδ-terminal or ТРО8-terminal in communication with the cash register, made with the possibility of reading information from the bank card presented by the buyer, performing one-way conversion of bank card information into a unique identifier of the buyer, transferring a data packet containing a unique identifier of the buyer and purchase data to the host a service for registering purchases through a communication line of international payment systems; a host for a service for registering purchases made with the possibility of processing and a data packet, taking into account predefined purchase conditions and with the possibility of returning the processed data packet to a PO8 terminal or TPO8 terminal.

The main task solved by the claimed invention is the flexible (personalized) management of purchase conditions, in particular, the management of the purchase price depending on various conditions, such as a specific buyer, a specific product, place / time of purchase, etc. This ensures high security of the personal data of the buyer. Based on the proposed invention, a loyalty program can be easily implemented.

The essence of the invention lies in the fact that in the proposed solution, a bank card is used both as a payment instrument and as a means on the basis of which a personalized setting of the purchase conditions is carried out.

Thanks to this solution, it is possible to easily scale the system to manage the purchase conditions for all objects with a PO8 terminal. Easy scaling is ensured by the fact that any bank card issued by any issuer can be used, that is, neither recording any information (applications) on existing cards, nor issuing new bank cards is required. In addition, no hardware changes are required for the TSP partners of the system to control the purchase conditions (no new communication lines or additional equipment are required).

The presence of one-way conversion of bank card information to obtain a unique customer identifier ensures high confidentiality of the information received by the system for managing the conditions of purchase of information, since, knowing the unique identifier of the buyer, it is impossible to find out the personal information of the buyer. Thus, in the system for managing purchase conditions, all purchases are associated with a unique identifier of the buyer, and not with his personal data. After the buyer has registered in the system to manage the terms of the purchase, purchases made by him may be associated with his personal data.

For a buyer, payment for a purchase using the purchase conditions management is no different from a regular purchase: he is only required to present a bank card.

Preferably, the system for managing purchase conditions is implemented on the basis of the purchase registration system, since the formation of some purchase conditions (in particular, the purchase price) is associated with previous purchases, it is obvious that they must be pre-registered. Thus, in a preferred embodiment, the purchase terms management system is part of the purchase registration system, and the purchase terms are directly managed on the host (server) of the purchase registration service.

The purchase registration system allows you to flexibly configure the terms of the purchase according to several basic criteria, based on the marketing strategy and consumer profile. The main criteria are listed in the table below.

- 3,028,338

Criterion Description 11 examples 1. Temporary It is used when the rule of accrual / deduction of remuneration has a limited lifetime or must be worked out at a certain point in time. Marketing campaign for 2 months with an increased amount of remuneration 2. Cost It is used when the rule of accrual / deduction of remuneration depends on the monetary value (average check) Remuneration depending on the amount of the check 3. Commodity Used when the rule for accrual / deduction of remuneration depends on the heading Remuneration depending on the product group or individual product 4. Statistical It is used when the rule of accrual / deduction of remuneration depends on the customer’s purchasing activity. Remuneration based on the total amount of purchases for the last 6 months 5. Profile It is used when the rule of accrual / deduction of remuneration depends on the client profile. Additional remuneration on the buyer's birthday

During the first purchase by the buyer in the host (server) of the purchase registration service, the purchase is registered, but the purchase is associated only with the unique identifier of the buyer obtained through a one-way conversion, but not with the personal data of the buyer. In the future, after the registration of the buyer on the host of the purchase registration service using a bank card and entering his personal data, the purchases are associated with the personal data of the buyer.

Thus, the technical result achieved by the solution that manages the conditions of the purchase consists in simultaneously personalizing the conditions of the purchase, the security of personal data used in the course of the purchase, and simplifying the scalability of the system for managing the conditions of the purchase.

Brief Description of the Drawings

FIG. 1 shows, in a simplified form, a traditional system for paying for goods or services using a bank plastic card; FIG. 2 shows in a simplified form a block diagram of a purchase registration system; FIG. 3 shows a detailed block diagram of an embodiment of a server (host) of a purchase registration service, FIG. 4 shows, in block diagram form, an embodiment of a system for managing purchase conditions, FIG. 5 shows the general technical scheme of transactions during the registration of purchases, taking into account the loyalty service.

The implementation of the invention

The traditional system for paying for goods or services using a bank plastic card is presented in a somewhat simplified form in FIG. 1, where a plastic bank card is a device that contains a tag, which is an electronic key to the customer’s account opened with the issuing bank, it contains information about the customer and the issuing bank, and modern bank plastic cards can contain various codes / tags / keys needed for applications (social, transport, fuel, loyalty application, etc.);

ΡΘδ-terminal is a hardware-software complex that allows you to carry out trading operations and transfer data to the issuing bank. In addition to accounting for sales, the ΡΘδ-terminal can accumulate other data for their subsequent analysis. ΡΘδ-terminal has a user interaction interface to facilitate the search for the desired product and obtain its characteristics - prices, expiration dates, annotations, etc .; the formation of fiscal checks; counting change; run various reports. As an embodiment, the ΡΘδ-terminal includes a monitor, a system unit, a customer display, a bank ΡΘδ-terminal, a ΡΘδ-keyboard, a printing device, a fiscal part, software;

The acquirer carries out the whole range of operations for interacting with service points of bank plastic cards: authorization requests, transferring funds to goods and services to settlement accounts, processing data on bank plastic cards, crediting, sorting and forwarding service alarms when making transactions using bank plastic cards distribution of stop-lists (lists of bank plastic cards, operations for which for one reason or another have been suspended for today), etc .;

the payment system transfers electronic money between the accounts of its users (in particular, 4,083,338, the acquirer and the issuing bank) and stores information about such transfers;

the issuing bank issues bank plastic cards and guarantees the fulfillment of financial promises related to the use of a bank plastic card made by it as a means of payment.

The operation algorithm of the circuit in FIG. 1, which is a simplified banking transaction algorithm, is well known.

1. The buyer indicates at the checkout the purchase that he wants to pay, and presents a bank plastic card;

2. The ΡΟδ-terminal reads information from a bank plastic card, transmits a package of purchase transaction data to the acquirer host, which carries out payment authorization;

3. Having received a package of transaction data for the purchase, the acquirer host sends it to the appropriate payment system (U1ka, Mak1egSagy, etc.);

4. The payment system determines the issuing bank, which issued the buyer's plastic bank card, and then sends him a package of transaction data on the purchase;

5. After the host of the issuing bank has confirmed payment authorization, a positive result of payment authorization is returned to the ΡΘδ-terminal through the payment system and the acquirer host, and then the ΡΟδ-terminal notifies the buyer of the successful payment of the order.

In this algorithm, information about a bank transaction contains only data on payment for the purchase (cost, date and time of purchase, identification number of the ΡΟδ terminal, card identification number), but does not contain data on the purchase (name and type of purchased goods, manufacturer, place purchases, etc.).

The work of the service (system) of registration of purchases.

Thanks to its unique solution, built on the technologies, infrastructure and standards of International payment systems, the Purchase Registration Service provides accounting for purchases, differentiation of bonuses depending on the type of product, amount, customer rating and other parameters processed in the loyalty system. The service allows you to take into account purchases paid by both non-cash funds and cash.

The service of registration of purchases uses bank cards as an identifier. Identification of cards based on the calculated unique key allows you to include in the purchase registration program the entire issue of cards, regardless of the Bank of the Issuer.

The identification of a bank card connected to the Purchase Registration Service is carried out by a unique identifier.

The unique identifier of a bank card is calculated by one-way cryptographic conversion on the ΡΟδ-terminal or tΡΟδ-terminal, is not stored on the card and does not require certification Ρί ', Ί Όδδ. In this regard, the issuing Bank is not required to issue new cards, since it is possible to use existing bank cards.

At least one of ΡΑΝ bank card number, bank card validity period, card holder information acts as an input cryptographic function data array.

The atom of the Purchase Registration Service is a purchase transaction containing a unique identifier, receipt composition and information necessary to identify the purchase parameters (ΡΟδ-terminal, tΡΟδ-terminal, TSP, date, etc.), sent to the host of the purchase registration service.

Thus, the Purchase Registration Service does not take up additional card memory, and also uses the acquirer's infrastructure to transmit information and meets the security standards of international payment systems.

The host of the purchase registration service stores all transactions completed by participants using bank cards as an identifier. These identifiers are associated with the Buyer's account on the host of the purchase registration service in a many-to-one relationship. This Account stores the personal data of the participant of the loyalty program (s) through which the participant can access completed purchases and accrued bonus points.

If the issuing Bank wants to use the rules for calculating bonuses when registering a purchase depending on the type of card, it can issue personalized cards of MPS MakYugSagy with the tag 9Р6Е, specifying a card product that uses the system area (other programs are added to the chip as an external application), not occupying additional memory card.

In this case, the transaction transferred to the service of loyalty and registration of purchases will additionally contain the value of the 9P6E tag.

Rogsh b, 5-32 bwTek ThE w1e e1y chic! Le Soy Ak Go11o \ yk:

Soyiyu soe assojtd [ΙδΟ 3166] - η 3,2 2 yyTek (For Russia: 643) and only 1 yyyyyyyyyyyyyyyyyyyyyyyyyyyu MakyugSagy - b, 2 Lyuyek Ρ ^ ou ^^ eaayy ya1a - b, 1-28 byuy.

The data version number is used as the data Ρ ^ ρ ^^ еίа ^ у аа1а - 1 ЬуТе (always 0); a sequence of data objects.

- 5,028,338

The data object is formed as the identifier of the object - the highest 4 bits of the first byte (value 0-15);

the length of the subsequent data of the object in bytes is the lower 4 bits of the first byte (0-15);

data object data (optionally up to 15).

Loyalty Tag Specification 3

The following object value is reserved for the program identifier:

1) identifier - 1;

2) length - 3;

3) values (BR1 - Loyalty Program II§).

The following object value is reserved for the card product type:

1) identifier - 2;

2) length - 3;

3) values (MCC - s1a88yu saty satb; MOS - do1b beat eatb;).

The second symbol is Oo1b, S1a88Yu & e! E. The third character is Steb, YueY1.

The card identifier in the Purchase Registration Service is an unambiguous and one-way cryptographic data conversion. Thus, knowing the identifier, it is not possible to perform the inverse transformation to obtain the initial data. The identifier is not stored in the static data of the card application, but is calculated dynamically by the terminal directly during the operation.

To receive purchase data, the Purchase Registration Service uses the existing infrastructure and security standards of International Payment Systems. Purchase information is generated using the Buyer's bank card and a PO8 terminal or TPO8 terminal. To enable the operation of the Purchase Registration Service, it is planned to expand the existing standard software of PO8 terminals, which allows to process and transmit extended information about purchases within the framework of loyalty programs, identify bank cards participating in loyalty programs, and perform purchase / return operations as part of the loyalty program, so and without. The operation of the Service for registering purchases and loyalty is also possible on mobile PO8 terminals (tRO8 terminals). TPO-terminal - a device based on a mobile phone or tablet, a reader for reading bank cards and the application IL8. Buyer purchase data is transmitted via a PO8 terminal or TPO8 terminal via standard banking system communication channels. A PO8 terminal or TPO8 terminal transmits transaction information to the Acquire Host and purchase data to the Purchase Registration Service Host.

The uniqueness and novelty in this case lies in the possibility of implementing the Purchase Registration Service through a PO8 terminal (TPO8 terminal) and a Buyer's bank card thanks to special software and setting up a PO8 terminal and does not require additional costs for additional infrastructure. TPO-terminal performs the same functionality as a standard PO8-terminal.

The service of registration of purchases (hereinafter PSA) allows you to take into account and identify customers by bank cards with the ability to save information about purchases in the form of electronic checks using standard infrastructure and technologies of international payment systems: PO8 terminals or ShRO8 terminals and communication channels with the Issuing Bank.

PSA provides new useful opportunities for the issuing Bank, which gets the opportunity to see buyers actively making purchases using a card (cashless and cash payment for purchases), and create conditions to stimulate the transition of these buyers to cashless payment.

The PSA provides new useful opportunities for the acquirer in terms of the PO8 terminal or the TPO8 terminal, where it registers not only non-cash, but also cash purchases. This increases the attractiveness of Acquire services for TSPs and allows the Acquire to compete more successfully in the acquiring market.

PSA allows you to set up discounts and benefits depending on the form of payment, the composition of purchases, the date, time and frequency of the purchase, geographic location and other parameters that increase the benefits of cashless payments and stimulate the behavior of buyers in accordance with the expectations of Banks and TSPs.

The host of the purchase registration service developed by the applicant is called IL§5step1 rtsgeyake, and the PO8 terminal offered by the applicant with the service IL6 is called IL§5step1 ROU.

Description of the operation of the registration service

When paying for a purchase at KKM (cash desk), data on the amount and composition of the purchase are transmitted to the PO8 terminal or TPO8 terminal. In turn, a PO8 terminal or a TPO8 terminal initiates 2 data streams.

1. Information flow for banking operations.

2. Information flow as part of the purchase registration service.

As a result, a new content of information in the transaction is provided (the composition of the check and the type of payment 6,028,338 you) created using a bank card and a PO8 terminal or TPO8 terminal. The integration of the cashier and the PO8 terminal (exchange of data between the cashier and the PO8 terminal about the composition of the purchase) allows you to initiate purchases within the framework of loyalty programs right away with the cash register (cash desk).

The purchase registration service, among other things, is designed to create coalition loyalty programs of a new generation. PSA consists of a server part and applications on a bank card and / or PO8 terminal. Reading a bank card at the PO8 terminal or TPO 8 terminal allows you to receive and save the contents of a cash receipt on the host of the Purchase Registration Service, including the name of commodity items for all purchases, including paid in cash. The information received is then (optionally) processed in the loyalty system, where bonuses (discounts) are calculated depending on the type of product, amount, customer rating and other parameters.

When designing PSAs, a universal architecture was created, which, unlike competitors' solutions, allows creating new services on its basis. PSA allows you to save electronic versions of sales receipts, the processing of which can be carried out as part of the loyalty service, as well as, for example, in the service of accounting for personal expenses of the buyer or in the service of cash services (cloud service to automate cash transactions in retail outlets).

A simplified block diagram of the proposed purchase registration system is shown in FIG. 2.

Compared to the system of FIG. 1, the system of FIG. 2 further comprises a purchase registration service server configured to receive, process, register purchase data, store purchase data in a purchase database, and a purchase database configured to store data on all registered purchases.

In the software part, the difference of the flowchart in FIG. 1 from the flowchart of FIG. 2 that the RO8 terminal is made with the additional possibility of performing one-way conversion of bank card information into a unique identifier of the buyer and transferring a data packet containing the unique identifier of the buyer and purchase data to the host of the purchase registration service via the communication line of international payment systems.

Thus, the flowchart of FIG. 2 next.

1. The buyer indicates at the checkout the purchase that he wants to pay, and presents a bank plastic card;

2. The RO8 terminal reads information from the aforementioned bank plastic card, carries out a banking transaction;

3. The RO8 terminal performs one-way conversion of bank card information into a unique identifier of the buyer;

4. The RO8 terminal transmits a data packet containing a unique identifier of the buyer and purchase data to the host of the purchase registration service via the communication line of International payment systems;

5. After receiving the data packet, the purchase registration service registers purchases provided that the banking transaction has completed successfully.

Using the above algorithm, purchases are paid using a bank plastic card (a bank card of any bank), but in the solution described above the form of payment for purchases does not matter: payment can be made in cash or with a bank card of any bank, you only need to present a bank a map.

Description of payment in cash using a PO8 terminal or TPO8 terminal.

Characters.

1. KKM.

2. PO8 terminal or TPO8 terminal.

3. Host of the Service of registration of purchases and loyalty (hereinafter referred to as the Host).

4. Cashier.

5. Buyer.

Cash payment purchase scenario.

1. The cashier receives cash from the buyer. Selects cash payment with bonus accrual in the KKM menu.

2. The PO8 terminal or TPO8 terminal receives a request from the cash register, goes into the waiting state for the presentation of the bonus card.

3. The buyer presents the card to the cashier [if the RauRa88 card does not check the RGL code; in case the purchase price is more than 100 rubles, the PO8 terminal asks for a PIN code.].

4. The cashier inserts the buyer's card into the PO8 terminal or TPO8 terminal, prompts the buyer to enter the RGL code.

5. The buyer enters the RGL code.

6. The RO8 terminal or the TPO8 terminal verifies that the RGL code is entered correctly and transfers the necessary information about the composition of the purchase to the Host. It receives a response with information about the accrued points and transmits KKM.

- 7 028338

7. KKM prints a check containing mandatory sections according to the letter of the Ministry of Finance of Russia dated August 30, 1993 No. 104, additional sections according to the internal regulations of the Partner and the TSP, information on the number of bonuses accrued as a result of this transaction, the balance of the buyer's bonus account after conducting a transaction.

It should be noted that the data on the completed purchase sent to the server of the purchase registration service can both contain the identification information of the buyer, which can be represented by a unique identification number in the corresponding database, and can be anonymized depending on the conditions for registering purchases. The minimum purchase data set is a product barcode and product price, but this set can be expanded to obtain more detailed market statistics.

In one embodiment, the bank plastic card may contain a tag necessary for working with the loyalty program that implements the functions of the loyalty program, such as accruing bonus points for purchases, providing discounts, giving gifts, congratulating the buyer, communicating useful information, and taking actions that facilitate increase customer loyalty. The advantages and benefits provided by such a bank plastic card stimulate customers to become participants in the purchase registration system and use the bank plastic card mentioned above when making purchases, which makes the claimed system a powerful marketing tool for TSPs that allows you to simulate customer behavior, study the influence of various factors on sales and etc. However, the loyalty program can also be implemented with software and hardware exclusively from the purchase registration service server.

A significant advantage of the developed service for registering purchases is that it uses the existing infrastructure of the International payment systems for servicing bank plastic cards. Since the loyalty program is implemented on the basis of a purchase registration system, this allows for an targeted loyalty policy with respect to customers.

In one of the embodiments, by agreement with the Mak1etSaty International Payment System, the technical solution of the loyalty application is integrated into the standard Mac! ESagy EMU М / СЫр4 used in modern bank cards. For the implementation of processing and online analytics, the resources of the infrastructure of the public cloud Lta / οη ШеЬ 8het1sec are used. Processing uses the cloud technologies E1akys Sotri1e S1oy, E1akys B1osk 8! allowing to provide a service of a high level of availability, reliability and data security. Analytical Business Intelligence is located on Е1акс Веапк! А1к and uses Ке1а1юя1 Иа1аЬаке 8еуе for data storage, which allows you to calculate a discount in real time and receive analytical data for program partners. Also, all the company's services use Koi! E53 to support domain addresses, 81tr1e 8! Ogadueteu for storing backup copies, E1acNsSaske temporary storage of intermediate data.

The technical solution of the loyalty application uses standard technologies of the standard Mac! Egsagy M / SYP4 (TAO 9Р6Е) for loyalty systems, which consists of a special prefix and data:

Roga !: b, 5-32 bw! Ek

It's a ticker tick! Le Soy Ak Go11o \ yk:

1. Soiyut soie assotyshd message to [180 3166] - η 3, 2 bytes

2. also Shepjyeg akscpey LU Mak! EGSagy - b, 2 bytes

3. Prorg1e1atu ya! A - b, 1-28 bytes.

As the data of Рорг1е1atu аа! А is used

1. The data version number is 1 byte (always 0);

2. The unique identifier of the agreement with the Bank for the release of a batch of cards - 4 bytes;

3. Card category - 1 byte (0 - regular; 1 - up to 1st; 2 - p1aypit).

The loyalty application identifier is not printed on the bank card in hard copy for embossing and personification and exists only in electronic form.

As the identifier of the loyalty application, a composite binary identifier with a total length of 24 bytes is used. It is derived from the following bank card or application data:

1. The version number (technology) of the identifier in Ypatu format is 1 byte;

2. Signature 8NA1 of concatenation of symbolic data RAP + SAKPN0EPEK_PAME (up to 26 characters) in Ypatu format - 20 bytes;

3. The last four digits of the ΡΛΝ card in the VSI format - 2 bytes;

4. The control byte is 1 byte (the value of HOC modulo 2 of all previous bytes).

An identifier is an unambiguous and one-way data conversion. Knowing the identifier, there is no way to perform the inverse transformation to obtain the initial data.

The identifier is not stored in the static data of the map application, but is calculated dynamically

- 8 028338 terminal directly during the operation.

Thus, the applicant has developed a method and system for registering purchases that additionally implement the loyalty program, and the said method and system allows, using the existing infrastructure of International payment systems, bank plastic cards, hardware and software of banks and the server for registering purchase data, to carry out the following operations :

keep track of sales of products within the project in the context of the commodity nomenclature, regardless of payment methods;

keep records of discounts in the form of bonus points in the context of buyers and sellers; keep records of purchases made with payment of bonus points;

provide discounts in the form of bonus points to customers regardless of the method of payment (cash or non-cash);

connect any partner, regardless of the type of ΡΟδ-terminal and from the acquirer; scale this method to the Russian Federation and other countries that have the infrastructure of international payment systems.

A detailed block diagram of an embodiment of a purchase data registration service server is shown in FIG. 3.

Here, the server of the purchase registration service is configured to receive and register purchase data received from the ΡΘδ terminal or shRO8 terminal, the service processing unit is configured to implement the available services 1 ... Ν, the mentioned services may be, for example, a loyalty service, social, transport, service restrictions, benefits, etc. To implement such services, any software, hardware, or hardware-software unit known in the art can be used.

The most attractive option for the average buyer is the implementation option of the claimed purchase registration system, which also implements the function of implementing the loyalty program.

Description of the system for managing purchase conditions.

Management of the purchase conditions is preferably carried out by the seller (through the personal account of the partner), but the buyer also has the ability to manage the terms of the purchase through the personal account of the buyer.

Management may include, without limitation, the prohibition of making a purchase, accruing points, accruing bonuses, providing discounts. The discount can be provided on the basis of previous purchases, purchased goods, group of purchased goods, price category of purchased goods, place of purchase, time of purchase, personal data of the buyer, etc.

The essence of the system’s functioning is that when the purchase information arrives at the host of the purchase registration service, it is unambiguously associated with a unique number obtained on the basis of the buyer's bank card. A seller registered on the host of a purchase registration service (having a personal account of a partner) can set certain conditions for purchases, for example, rules for calculating bonuses for purchases (for example, 1 bonus for 100 rubles of payment), rules for providing discounts (for example, a discount on all TVs 2 %, discount on Thursdays 10%, discount for pensioners 5%, discount for Ivanov Ivan Ivanovich 3%, etc.). A purchase made using the ΡΟδ-terminal of the said seller is not paid immediately. If the buyer has presented a bank card, information about this card (a unique identifier of the buyer obtained through a one-way conversion of bank card information) together with the purchase data (check data: name, time of purchase, location and other data) are sent to the server of the purchase registration service, Further, the server of the purchase registration service processes this data, applying the conditions that were previously set by the seller to the purchase. Then, the processed purchase data (modified check) is returned to the ΡΟδ-terminal, after which the buyer makes a purchase in accordance with the modified check.

The preferred option for the service of managing the conditions of the purchase is a loyalty service that allows the seller to retain old customers and attract new ones by providing them with special purchase conditions (discounts, points, etc.).

The service of registration of purchases and loyalty give the opportunity to configure the purchase rules for sellers. Setting purchase rules allows you to realize the goals and objectives of the ongoing marketing strategy and is one of the tools to increase the company's revenue. The purchase rules are set up with the aim of attracting, increasing, retaining, stimulating, etc. buyers and increase the number of purchases per customer.

Thanks to its unique solution, built on the technologies, infrastructure and standards of the International Payment Systems, the Purchase Registration Service provides accounting for purchases, setting up purchase rules, differentiating bonuses depending on the type of product, amount, customer rating and other parameters processed in the loyalty system. The service allows you to take into account purchases paid in cash.

- 9 028338

The identification of a bank card connected to the Purchase Registration Service is carried out by a unique identifier.

The unique identifier of a bank card is calculated by one-way cryptographic conversion on the ROB-terminal or TROB-terminal, is not stored on the card and does not require RS1 IBB certification. In this regard, the issuing Bank is not required to issue new cards, since it is possible to use existing bank cards.

The atom of the Purchase Registration Service is a purchase transaction containing a unique identifier, check composition and information necessary to identify purchase parameters (ROB terminal, TSP, date, etc.) sent to the host of the purchase registration service.

Identification of customers allows for the targeted adjustment of purchase rules, depending on the specified parameters. On the host of the service of registration of purchases and loyalty all information about the conditions of purchase is stored, these conditions are associated with the customer’s account according to the assigned identifier in relation to many to one.

Thus, a trade and service company can easily manage the conditions of purchase by setting up data through a personal account on the operator’s website.

To receive purchase data, the Purchase Registration Service uses the existing infrastructure and security standards of International Payment Systems. Information about the purchase is generated using the bank card of the consumer of the ROB-terminal. To enable the operation of the Purchase Registration Service, it is planned to expand the existing standard software of ROB terminals, which allows to process and transmit extended information about purchases within the framework of loyalty programs, identify bank cards participating in loyalty programs, and perform purchase / return operations as part of the loyalty program, so and without. Consumer purchase data is transmitted via the ROB terminal via standard banking system communication channels. The ROB-terminal transmits transaction information to the Acquire Host and purchase data to the Purchase Registration Service Host.

The uniqueness and novelty in this case lies in the possibility of implementing the Service for registering purchases through a ROB terminal or a TROB terminal and a Consumer bank card thanks to special software and setting up a ROB terminal carried out by manufacturers of ROB terminals, and does not require additional costs for additional infrastructure.

The service of registration of purchases (hereinafter PSA) allows you to take into account and identify buyers by credit card with the ability to save information about purchases in the form of electronic checks using standard infrastructure and technologies of international payment systems: ROB terminals or TROB terminals and communication channels with the issuing Bank.

All the information collected by the Purchase and Loyalty Registration Service allows you to manage the purchase conditions by setting discounts and benefits depending on the form of payment, the composition of purchases, the date, time and frequency of the purchase, geographical location and other parameters that increase the benefits of cashless payments and stimulate consumer behavior in accordance with the expectations of Banks and TSP.

The implementation of the Purchase Registration Service occurs according to the following scenarios:

1. Payment by credit card using a ROB-terminal.

Characters

1. KKM.

2. ROB-terminal or TROB-terminal.

3. Host of the Service of Registration of purchases and loyalty (hereinafter referred to as the Host).

4. Bank host.

5. Cashier.

6. Buyer.

Scenario.

1. The cashier selects payment on the card in the KKM menu, the ROB-terminal or the TROB-terminal receives a message from the KKM, goes into the waiting state for the presentation of a bank card card. A loyalty card or another card can act as a payment card.

2. The buyer presents the card to the cashier [in case the RauRa88 card >> 2a].

3. The cashier inserts the customer card into the ROB terminal.

4. The ROB-terminal or TROB-terminal reads the data of a bank card, displays a menu with a list of payment options.

5. The cashier selects Payment by credit card.

6. The ROB-terminal or TROB-terminal suggests the buyer to enter the Р1И code.

7. The buyer enters the P1I code.

8. The ROB-terminal or TROB-terminal verifies that the Р1И code is entered correctly and transmits the necessary information about the purchase amount to the Bank host and the composition of the purchase to the Host.

9. The host processes the purchase in accordance with the established conditions of the purchase. Transmits to the ROB terminal. It receives a response and transmits KKM.

- 10,028,338

10. KKM prints a check, which contains the required sections according to the letter of the Ministry of Finance of Russia dated August 30, 1993 No. 104, additional sections according to the internal regulations of the Partner and the TSP, information on the number of bonuses accrued as a result of this transaction, the balance of the bonus account after conducting a transaction.

2. Payment in cash using a PO8 terminal.

Characters.

1. KKM.

2. PO8 terminal or TPO8 terminal.

3. Host of the Service of Registration of purchases and loyalty (hereinafter referred to as the Host).

4. Cashier.

5. Buyer.

Scenario.

1. The cashier receives cash from the buyer. Selects cash payment with bonus accrual in the KKM menu.

2. The PO8 terminal or TPO8 terminal receives a request from the cash register, goes into the waiting state for the presentation of the bonus card.

3. The buyer presents the card to the cashier [in case the RauRa88 card does not check the кода-code].

4. The cashier inserts the buyer's card into the PO8 terminal or TPO8 terminal, prompts the buyer to enter the RS code.

5. The buyer enters the RS code.

6. The RO8 terminal or the TPO8 terminal verifies that the RS code is entered correctly and transmits the necessary information about the purchase amount to the Bank host and the composition of the purchase to the Host.

7. The host processes the purchase in accordance with the established conditions of the purchase. It transmits to the PO8 terminal, receives a response and transmits the cash register.

8. KKM prints a check containing mandatory sections according to the letter of the Ministry of Finance of Russia dated August 30, 1993 No. 104, additional sections according to the internal regulations of the Partner and the TSP, information on the number of bonuses accrued as a result of this transaction, the balance of the buyer's bonus account after conducting a transaction.

The general technical scheme of conducting transactions during the registration of purchases, taking into account the loyalty service, is shown in FIG. 5.

A block diagram of one embodiment of a purchase registration system that implements a function to manage purchase conditions is shown in FIG. 4.

This block diagram is a combination and development of the block diagrams of FIG. 2 and 3, new elements are added here: the personal account of the buyer and the personal account of the partner. The customer’s personal account and the partner’s personal account are software or hardware and software units designed to inform customers and TSP partners of the loyalty program relevant or relevant information regarding the functioning of the purchase registration system and the current status of the implementation of the loyalty program, to carry out newsletters and manage available loyalty program parameters. So, for example, the buyer can be notified of the current bonus account or changes in the bonus account, about promotions, current restrictions and benefits, or can receive newsletters via mobile phone or the Internet (in particular, via mailing list), similarly to TSP- a partner can be notified of the current state of the bonus campaign, receive up-to-date information on the sales of certain goods / groups of goods, etc. via the Internet (in particular, through mailing, uploading information to the site of the TSP partner, etc.). In addition, in the block diagram of FIG. 4, the purchase registration unit performs, in addition to registration functions, data processing, processing services, data storage functions.

The operation of the shopping registration system of FIG. 4 is as follows.

The buyer selects the payment method (in cash, by credit card), on the cash register (not shown) data on the purchase (information on commodity items, cost, purchase amount, date of purchase, etc.) are generated, which are transmitted to the PO8 terminal ( or TPO8 terminal), in the PO8 terminal (or TPO8 terminal), at least a unique identifier of the buyer is added to this data, the PO8 terminal (or TPO8 terminal) carries out a banking transaction to pay for the purchase, transmits a data packet containing a unique identifier the buyer and purchase data to the server of the registration service purchases. In the server of the purchase registration service, purchase data is registered and processed, it also checks whether the purchase matches the conditions of existing services, accrues and deducts bonus points, exchanges data with the customer’s personal account and the partner’s personal account. Further (if required) the relevant information is returned by the server of the purchase registration service to the PO8 terminal (or TPO8 terminal) and from it to the cash register, which prints the check and thereby completes the purchase process using a bank plastic card.

- 11,028,338

The system of FIG. 4 in the case of cash payment, with the exception that a bank transaction is not carried out.

Embodiments are not limited to the embodiments described herein, for a person skilled in the art based on the information set forth in the description and knowledge of the prior art, other embodiments of the invention will become apparent without departing from the spirit and scope of the present invention. The description of the individual blocks of the proposed technical solution is generally set forth in the form of the functionality implemented by these blocks, and the applicant believes that any other blocks with similar functionality without changing the essence of the invention can also be used to implement the proposed technical solution.

The application does not always indicate specific software and hardware for implementing the circuit blocks in FIG. 2, 3, 4, but one skilled in the art should understand that the invention is not limited to a specific software or hardware implementation, therefore, any software and hardware known in the art may be used to implement the invention. So, the hardware can be implemented in one or more specialized integrated circuits, digital signal processors, digital signal processing devices, programmable logic devices, user programmable gate arrays, processors, controllers, microcontrollers, microprocessors, electronic devices, and other electronic modules made with the ability to carry out the functions described in this document, a computer or a combination of the above.

Although not specifically mentioned, it is obvious that when it comes to storing data, programs, and the like, a computer-readable storage medium is meant, examples of computer-readable storage media include read-only memory, random access memory, register, cache , semiconductor storage devices, magnetic media such as internal hard drives and removable drives, magneto-optical media and optical media such as ΟΌ-ΚΟΜ drives and digital versatile drives (ΌνΌ), as well as any e other storage media known in the art.

The sequence of steps of the method is not set rigidly and may vary depending on convenience, expediency, or for other reasons. All variations and variations of the proposed technical solution, obvious to experts in the field of technology, are intended to fall within the scope of the claims below.

Claims (7)

CLAIM 1. A method of making a purchase transaction, comprising the steps of generating purchase data using a cash register, the purchase data comprising at least one of the name and cost of the purchased goods; read information from the bank card presented by the buyer through the ΡΟδ terminal or the TPO δ terminal; carry out one-way conversion of bank card information into a unique identifier of the buyer through the ΡΟδ-terminal or TPOδ-terminal; transmitting a data packet containing a unique customer identifier and purchase data from the ΡΟδ terminal or tΡΟδ terminal to the processing server via the communication line of international payment systems; carry out the processing of the data packet on the processing server, taking into account the conditions of the purchase specified by the seller, the conditions of purchase being at least one of the identifier of the buyer, the name of the goods, the value of the goods; the processed data packet is returned to the ΡΟδ terminal or tΡΟδ terminal; carry out a transaction to pay for the purchase according to the processed data packet. 2. The method according to claim 1, in which the processing of the data packet on the processing server includes at least one of the registration of the purchase, discounts, bonuses. 3. The method according to claim 1, wherein the one-way conversion of information is a one-way cryptographic conversion. 4. The method according to claim 1, wherein the one-way conversion of information is based on at least ΡΑΝ a bank card number. 5. The method according to claim 1, wherein the one-way conversion of information is based on at least ΡΑΝ the number of the bank card and the validity period of the card. 6. The method according to claim 1, in which through the processing server additionally implement the functions of the loyalty program, such as accruing bonus points for purchases, providing discounts, giving gifts, congratulations to the buyer, the implementation of actions that enhance customer loyalty. 7. A system for implementing a transaction upon purchase, configured to implement the method according to claim 1, comprising - 12,028,338 cash register, configured to generate purchase data; A ROS terminal or a ShROZ terminal in communication with a cash register, configured to read information from a bank card presented by the buyer, perform one-way conversion of bank card information into a unique customer identifier, transfer a data packet containing a unique customer identifier and purchase data to the server processing through the communication line of international payment systems; a processing server configured to process the data packet taking into account the pre-determined conditions of the purchase by the seller and with the possibility of returning the processed data packet to the ROS terminal or TROZ terminal.