WO2017041154A1 - Consumer credit and payment method in a cloud payment service, and payment terminal - Google Patents

Consumer credit and payment method in a cloud payment service, and payment terminal Download PDF

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Publication number
WO2017041154A1
WO2017041154A1 PCT/BR2016/050222 BR2016050222W WO2017041154A1 WO 2017041154 A1 WO2017041154 A1 WO 2017041154A1 BR 2016050222 W BR2016050222 W BR 2016050222W WO 2017041154 A1 WO2017041154 A1 WO 2017041154A1
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WO
WIPO (PCT)
Prior art keywords
payment
user
payment terminal
merchant
cloud
Prior art date
Application number
PCT/BR2016/050222
Other languages
French (fr)
Portuguese (pt)
Inventor
Rafael DO NASCIMENTO
Renato DE MELO FARIA
Original Assignee
Cielo S.A.
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
Priority claimed from BR102015022482-6A external-priority patent/BR102015022482A2/en
Priority claimed from BR102015022691A external-priority patent/BR102015022691A2/en
Application filed by Cielo S.A. filed Critical Cielo S.A.
Publication of WO2017041154A1 publication Critical patent/WO2017041154A1/en

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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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates to technologies for performing transactions.
  • the invention relates to payment devices and processes so that purchases and payments can be performed asynchronously.
  • US2014058928 describes a method and system for transferring funds between users from their own mobile phones. With such a system, a user can receive an amount from another user and can make purchases with that amount at another time.
  • these known systems only basically allow a transfer of funds, without a control of what can be done with the amount transferred, and with little security due to the use of mobile phones.
  • the purpose of the present invention is to improve known methods and devices.
  • the invention relates to a payment reservation and consumption process in a cloud payment service, which includes the following steps:
  • the paying user communicates to the payment terminal a payee user identifier and a consumption amount to be made available to the payee user;
  • the paying user activates a payment method at the end of at! payment to make the payment of the consumption value
  • the payment terminal communicates to a payment authorizer a payment request together with the beneficiary user identifier, the consumption amount, and its own payment terminal identifier;
  • the payment authorizer communicates to the payment terminal a payment authorization
  • the payment authorizer communicates to the cloud payment service the payee user identifier, the consumption amount and the payment terminal identifier;
  • the cloud payment service stores a consumption reserve that is linked to the beneficiary user identifier and where the consumption value and the payment terminal identifier are stored;
  • the payee consolidates a transaction with a merchant that has a payment terminal
  • the payee user In order to pay the amount of the consolidated transaction, the payee user requests from the merchant payment terminal the consumer reservation payment function and informs the merchant payment terminal of his payee user identifier;
  • the merchant's payment terminal communicates to the cloud payment service a consumer reservation payment request along with the payee user identifier, the amount of the consolidated transaction, and its own payment terminal identifier;
  • the cloud payment service communicates to the merchant's payment terminal a payment confirmation and sets a new updated consumption value by deducting the transaction amount. consolidated consumption value.
  • Another object of the invention is a payment terminal which includes a module for connecting to a cloud payment service, and further including:
  • a consumption reserve module able to communicate with a payment authorizer
  • a consumer reserve payment module capable of communicating with the cloud payment service.
  • the invention allows a user to pay for purchases that will be made later by another user.
  • the consumer reservation involves the issuance of a payment by a user and the payment by consumption reserve involves the receipt of a payment by the merchant.
  • Both operations are performed through payment terminals that are devices intended for professionals and that have the highest level of security in data transmission and processing. These payment terminals are usually tamper-proof and sealed, which cannot be provided by user-owned devices such as mobile phones or tablets.
  • the invention allows the transaction and payment to be asynchronous and allows both the merchant and the paying user not to worry about the transaction at a time when they are directly involved in it.
  • a paying user may decide to make an amount available so that the beneficiary user can make purchases with that amount. This paying user then goes to any store that gives access to a payment terminal according to the invention and makes a consumption reservation whose consumption value corresponds to said amount. The beneficiary user can then make his purchases at any merchant that has a payment terminal according to the invention and pay with this consumption reserve.
  • the paying user can be anyone who is interested in making an amount available to the beneficiary user.
  • the payee user may be an employee of the paying user and is responsible for making purchases on behalf of the paying user.
  • the beneficiary user may be a dependent on the paying user.
  • the invention is advantageous if the paying user is far from the beneficiary user.
  • the paying user makes the consumption reservation at his / her nearest place, and the beneficiary user pays with this consumption reserve at his / her nearest store, that is, each one carries out its operation wherever it is most convenient for him.
  • the invention is also advantageous if the paying user is not available at the same time as the beneficiary user.
  • the paying user makes the consumption reserve and the beneficiary user will then pay with this consumption reserve at any time.
  • the consumption reserve and payment can be made in the same store. For example, at a store near a home, one of the residents may be a paying user who makes a consumer reservation at that store, and any other resident who needs to shop and take home may be a beneficiary user.
  • Preferred features which may complement the process according to the invention are set forth below.
  • the process may include one of these characteristics or a combination of these characteristics.
  • the merchant is enrolled in the cloud payment service with a merchant identifier, and the merchant payment terminal also communicates the merchant identifier to the cloud payment service along with the consumer reserve payment request.
  • the payment terminal is available at a physical store.
  • the payment terminal is an electronic device that accepts payment cards or a mobile communication device.
  • Activation of the paying user's payment method is accomplished by reading a paying user payment card and entering a password.
  • the paying user is registered with the cloud payment service with a paying user identifier, and the paying user communicates this paying user identifier to the payment terminal.
  • the merchant is registered with the cloud payment service with a merchant identifier, and the merchant payment terminal communicates that merchant identifier to the cloud payment service.
  • the payment terminal is available in a store.
  • Said store is registered with the cloud payment service with a reserve store identifier, and the payment terminal communicates this reserve store identifier to the payment authorizer. .
  • the merchant communicates the value of the consolidated transaction to his payment terminal via a cash front device.
  • Said cash front device optionally belongs to a cloud cash front system whose cash program is hosted on the cloud payment service.
  • the payment terminal and the merchant payment terminal are either a single payment terminal or are separate payment terminals.
  • the merchant is a physical store or an online store.
  • the paying user sets a booking password at the payment terminal, and the payee user enters this booking password at the merchant payment terminal.
  • the step in which the paying user activates a payment method at the payment terminal is performed using a "Derived Unique Key Per Transaction" (DUKPT) key management scheme specified in "ANSI X9.24 of” Americain National Standards Institute ".
  • DPKPT Dynamic Unique Key Per Transaction
  • FIG. 1 illustrates the different elements involved in the process according to the invention
  • Figure 2 illustrates the realization of a consumption reserve
  • Figure 1 schematically represents a beneficial user. 1, a paying user 2, a merchant 3, a first payment termination 4, a second payment termination 5, and a cloud payment service 6.
  • the invention allows beneficiary user 1 to make purchases and pay with an amount that paying user 2 has made available to him.
  • the invention involves a cloud payment service 6 including at least one server connected to a network enabling secure communication with payment terminals 4, 5.
  • payee user 1 does not need to sign up for cloud payment service 6. This allows anyone to benefit from a consumer reservation made by a paying user 2.
  • Beneficiary user 1 can sign up for cloud payment service 6 by any usual means, such as an Internet site linked to cloud payment service 6. This alternative is represented by a dashed arrow in figure 1. In this case, the beneficiary user is given a beneficiary user identifier 7.
  • Beneficiary user identifier 7 is a string that uniquely identifies beneficiary user 1.
  • the payee user identifier 7 can be a number generated by the cloud payment service 6 or an existing number linked to the payee user 1, such as an individual registration number generated by the public administration of the considered country, the number of payee user phone number 1, or a payment card number belonging to payee user 1.
  • Payment terminals 4, 5 are each provided with a payment termination identifier 8, 9 to identify with cloud payment service 6.
  • Cloud payment service 6 only communicates with payment devices 4, 5 recognized by it and properly identified by their respective terminal identifier 8, 9. Communication between the cloud payment service 6 and payment terminals 4, 5 is broken down to a standard encryption level for communication between payment terminals and payment authorizers. The process thus provides maximum safety. In this context, you can use, for example, the DUKPT key management scheme.
  • paying user 2 also does not need to sign up for cloud payment service 6. This allows anyone to make a consumer reservation for payee 1.
  • the second payment terminal 5 is provided by merchant 3.
  • Merchant 3 also does not need to sign up for cloud payment service 6. This allows beneficiary user 1 to make purchases at any merchant 3 with the amount that paying user 2 has made available to him.
  • the only necessary condition for merchant 3 is that he must have a payment terminal 5 that is recognized by cloud payment service 6, that is, a payment terminal 5 having a payment terminal identifier 9 accepted by the cloud payment service 6.
  • merchant registration 3 can be performed on cloud payment service 6 by any usual means, such as on an Internet site linked to the payment service. 6 so that merchant 3 receives a merchant identifier 1 1.
  • Fig. 1 two examples of embodiment of the first payment terminal 4 are illustrated: an electronic device accepting payment cards 12 and a mobile communication apparatus 13.
  • payment terminal 4 is an electronic device that accepts payment cards 12
  • this device 12 is capable of connecting to cloud payment service 6, for example, via the cellular network or a connection. Internet by cable or wifi. This is similar to the type of classic payment terminal available in merchant stores.
  • the payment terminal 4 is a mobile communication device 13, such as a smarphone phone or tablet
  • this device 13 includes an application capable of connecting to the cloud payment service. 6 through the device's own media 13. This is a new generation of payment terminals best suited to individual or itinerant merchants.
  • payment terminal 4 can be any type of payment terminal 4 as long as it can be connected to cloud payment service 6.
  • Another example of payment terminal 4 is a payment terminal that is connected to a merchant's cash-front device , the payment terminal receiving information, such as the price to pay, from the cash-front device; and all payment terminal communications with network services being performed via the cashier device.
  • the second payment terminal 5 may be embodied by different types of payment terminal, including an electronic device that accepts payment cards 14, or a mobile communication apparatus 15.
  • Figure 2 schematically illustrates operations aimed at realizing a consumption reserve.
  • Paying user 2 goes to a location that provides a first payment terminal 4.
  • This location can be a regular store or any other place where payment terminal 4 is accessible to paying user 2.
  • the paying user 2 requests at payment terminal 4 the consumption reserve function 23 and enters the following data: the beneficiary user identifier 7 and the consumption value 16.
  • the consumption value 16 is the amount to be available for beneficiary user 7 to make purchases.
  • Payment terminal 4 will then request activation of a paying user 2 payment method.
  • Activation of a paying user 2 payment method refers to any payment method that can be used with a payment terminal 4.
  • the most common means of payment is a payment card, for example a debit or credit card, which is read by the payment terminal.
  • payment 4 and which may require a password to be entered by the paying user 2.
  • other usual cards may be used as either a voucher or digital wallet system.
  • the payment terminal 4 will then communicate with a payment authorizer 18.
  • Payment Authorizer 18 consists of servers of a company responsible for the transmission and financial settlement of payment card transactions. The role of this type of company, present in the market, is to receive payment requests issued by payment terminals 4 and to communicate with financial institutions and payment card brands to transmit payment data in order to obtain payment information. authorization of the transaction. This authorization allows debiting the paying user's bank account 2.
  • Payment terminal 4 will communicate to payment authorizer 18 a payment request 17 along with the amount payable (the consumption amount 16), the payee user identifier 7, and the payment method data for the payer. paying user 2.
  • the payment terminal 4 also communicates to the payment authorizer 18 data about the store where the payment terminal 4 is located, for example a reserve store identifier 20.
  • the payment authorizer 18 authorizes the payment based on the elements communicated by the payment terminal 4.
  • the payment authorizer 18 then communicates a payment authorization 19 to the payment terminal 4, the latter displaying in sequence to the paying user 2 that the payment has been duly authorized.
  • the payment authorizer 18 will communicate to the cloud payment service 6 the payee user identifier 7, the consumer value 16, and the payment terminal identifier 8.
  • the cloud payment service 6 then stores a consumption reserve 21 which is linked to the beneficiary user identifier 7.
  • a consumption reserve 21 which is linked to the beneficiary user identifier 7.
  • the consumption reserve are recorded: the consumption value 16, the payment terminal identifier 8, and eventually the reserve store identifier 20.
  • the consumption reserve is thus realized.
  • the corresponding amount, ie the consumption amount 16 has been paid by the paying user but has not yet been used to make purchases. Purchasing this amount is referred to below as "paying with the consumption reserve 21".
  • any paying user identifier 10 may be communicated from paying user 2 to payment terminal 4, payment authorizer 18, and cloud payment service 6, getting saved in the consumption reserve 21.
  • the paying user 2 may optionally set a reservation password on the payment terminal 4.
  • This eventual reservation password may serve to add an additional level of security. and ensuring that it is the beneficiary user 1 who will use the amount of the consumer reserve 21.
  • the eventual reservation password is communicated to the payment authorizer 18 and the cloud payment service 6 and is recorded in the consumption reserve 21.
  • FIG 3 schematically illustrates a payment transaction with the consumption reserve 21 that has been performed with respect to Figure 2.
  • Beneficiary user 1 is first informed of the fact that a consumption reserve 21 has been held in his favor.
  • Paying user 2 can communicate directly, for example, with his telephone 22, with beneficiary user 1, who in this example also has a telephone 29 and thus receives the consumption value 16 available to him, and the password of Optional booking.
  • Beneficiary user 1 can also be informed directly by cloud payment service 6.
  • cloud payment service 6 can send a message on beneficiary 1's phone 29 as soon as a consumer reservation 21 is stored in favor of beneficiary user 1.
  • Beneficiary user 1 then goes to merchant 3 and selects the purchases he wants to make with consumption reserve 21.
  • Trader 3 is a natural or legal person who is qualified to sell products or services.
  • Trader 3 may be, for example, an individual who sells a product or provides a service, a small store, a supermarket ("physical store").
  • Trader 3 may also be, for example, an e-commerce Internet site or other type of purchasing device via an electronic network ("Virtual Soy").
  • Purchases that the beneficiary user selects can therefore be any product or service for sale in a physical store or an online store.
  • Beneficiary User 1 consolidates a transaction at Merchant 3. Transaction consolidation takes place after Beneficiary User 1 has chosen the items or services they want to purchase.
  • merchant 3 is a physical store
  • consolidating a transaction corresponds to the action of registering the chosen articles or services.
  • a merchant's cash-front device 3 In a supermarket, this is accomplished when payee user 1 passes the cashier. In smaller stores or individual merchants, this can be done by manually registering items or services on the cash-front device or payment terminal 5.
  • a typical cloud-front box system includes a physical box-front device that is networked to a box program that is in the cloud, that is, on a remote server. This enables simplification of the physical cashier device and facilitates the maintenance of the cashier program on the remote server. If a cashier front system is used by merchant 3, an advantageous option is to host the cashier program directly on the cloud payment service 6.
  • merchant 3 is an online store, consolidating a transaction corresponds to the fact that beneficiary user 1 goes to the sales completion page after selecting the desired products or services.
  • Transaction consolidation is terminated with communication to merchant payment terminal 5 of consolidated transaction value 26 payable by beneficiary user 1.
  • This communication can be performed, for example, by directly entering transaction value consolidated 26 at the payment terminal 5 by the merchant 3, or by the merchant's cash-front device 3 which performs this communication automatically.
  • beneficiary user 1 requests at payment terminal 5 from merchant 3 the payment function by consumption reserve 24 and communicates to the third party pay mine 5 your payee user identifier 7.
  • Such communication can be accomplished, for example, by entering payee user identifier 7, by entering the backup password (in case the paying user 2 has set such a backup password), reading an ID card, or scanning a two-dimensional bar code (“QR code”) that may be stored on the beneficiary user's mobile phone 1.
  • QR code two-dimensional bar code
  • payee 1 can identify himself by inserting his own payment card into payment terminal 5 (the pay card is used in this case only to identify payee 1, not to pay). All of these examples of communicating the payee user identifier 7 to the payment terminal 5 may be performed directly at the payment terminal 5 or via the merchant's cash-front device 3 which is connected to the payment terminal 5.
  • the payment terminal 5 then communicates to the cloud payment service 6 a consumption reserve payment request 25 along with the payee user identifier 7, the consolidated transaction amount 26, and its own terminal identifier of payment 9.
  • cloud payment service 6 Upon receiving payment request for consumption reserve 25, cloud payment service 6 establishes the relationship between this requirement 25 and consumption reserve 21 that was previously stored with the same payee user identifier 7. The service Cloud Payment Process 6 thus verifies that the Consumer Reserve Payment Requirement 25 can be met.
  • the cloud payment service 6 then communicates to payment terminal 5 a payment confirmation 27 and sets a new updated consumption value 28 by deducting the value of the payment. consolidated transaction 26 of the consumer value 16.
  • the new updated consumption value 28 is in cloud payment service 6, stored together with consumption reserve 21, for a next purchase from payee 1.
  • the first payment terminal 4 and the second payment terminal 5 have been described as two distinct terminals. However, in an alternate embodiment, these two payment terminals 4, 5 may be the same payment terminal, with paying user 2 making consumption reservation 21 at the same store where beneficiary user 1 makes payment by consumption reserve .
  • a payment terminal 4, 5 which is capable of the consumer reservation function 23 and the consumer reservation payment function 24 includes a module for connecting to a cloud payment service (6), and further includes:
  • a consumer reservation module capable of communicating with the payment authorizer 18 via cloud payment service 6;

Abstract

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.

Description

Relatório Descritivo da Patente de Invenção para "PROCESSO DE RESERVA DE CONSUMO E DE PAGAMENTO EM UM SERVIÇO DE PAGAMENTO DE NUVEM, E TERMINAL DE PAGAMENTO".  Patent Descriptive Report for "CONSUMER RESERVATION AND PAYMENT PROCESS ON A CLOUD PAYMENT SERVICE, AND PAYMENT TERMINAL".
[0001 ] A presente invenção é relativa a tecnologias de realização de transações. A invenção refere-se a dispositivos e processos de pagamento para que compras e pagamentos possam ser realizados de modo assíncrono.  [0001] The present invention relates to technologies for performing transactions. The invention relates to payment devices and processes so that purchases and payments can be performed asynchronously.
Descrição do estado da técnica Description of the prior art
[0002] Existem dispositivos e processos para transferir valores entre usuários. O documento US2014058928 descreve um método e um sistema para transferir fundos entre usuários a partir dos telefones celulares dos próprios usuários. Com tal sistema, um usuário pode receber um montante de outro usuário e pode fazer compras com esse montante em outro momento. Porém, esses sistemas conhecidos somente possibilitam basicamente uma transferência de fundos, sem um controle do que pode ser feito com o montante transferido, e com pouca segurança devido ao uso de telefones celulares.  [0002] There are devices and processes for transferring values between users. US2014058928 describes a method and system for transferring funds between users from their own mobile phones. With such a system, a user can receive an amount from another user and can make purchases with that amount at another time. However, these known systems only basically allow a transfer of funds, without a control of what can be done with the amount transferred, and with little security due to the use of mobile phones.
Breve descrição da invenção Brief Description of the Invention
[0003] O propósito da presente invenção é de melhorar os processos e os dispositivos conhecidos. Com esse efeito, a invenção está relacionada com um processo de reserva de consumo e de pagamento em um serviço de pagamento de nuvem, que inclui as seguintes etapas:  The purpose of the present invention is to improve known methods and devices. To this end, the invention relates to a payment reservation and consumption process in a cloud payment service, which includes the following steps:
- um usuário pagador solicita em um terminal de pagamento a função de reserva de consumo;  - a paying user requests at a payment terminal the consumption reservation function;
- o usuário pagador comunica ao terminal de pagamento um identificador de usuário beneficiário e um valor de consumo a ser disponibilizado para o usuário beneficiário;  - the paying user communicates to the payment terminal a payee user identifier and a consumption amount to be made available to the payee user;
- o usuário pagador ativa um meio de pagamento no termi- na! de pagamento para realizar o pagamento do valor de consumo;- the paying user activates a payment method at the end of at! payment to make the payment of the consumption value;
- o terminal de pagamento comunica a um autorizador de pagamento um requerimento de pagamento junto com o identificador de usuário beneficiário, o valor de consumo, e o seu próprio identificador de terminal de pagamento; - the payment terminal communicates to a payment authorizer a payment request together with the beneficiary user identifier, the consumption amount, and its own payment terminal identifier;
- o autorizador de pagamento comunica para o terminal de pagamento uma autorização de pagamento;  - the payment authorizer communicates to the payment terminal a payment authorization;
- o autorizador de pagamento comunica para o serviço de pagamento de nuvem o identificador do usuário beneficiário, o valor de consumo e o identificador de terminal de pagamento;  - the payment authorizer communicates to the cloud payment service the payee user identifier, the consumption amount and the payment terminal identifier;
- o serviço de pagamento de nuvem armazena uma reserva de consumo que é vinculada ao identificador de usuário beneficiário e onde são gravados o valor de consumo e o identificador de terminal de pagamento;  - the cloud payment service stores a consumption reserve that is linked to the beneficiary user identifier and where the consumption value and the payment terminal identifier are stored;
- o usuário beneficiário é informado da realização da reserva de consumo em seu favor e do valor de consumo correspondente;  - the beneficiary user is informed of the consumption reserve in his favor and the corresponding consumption value;
- o usuário beneficiário consolida uma transação em um comerciante que possui um terminal de pagamento;  - the payee consolidates a transaction with a merchant that has a payment terminal;
- para pagar o valor da transação consolidada, o usuário beneficiário solicita no terminal de pagamento do comerciante a função de pagamento por reserva de consumo e comunica ao terminal de pagamento do comerciante o seu identificador de usuário beneficiário;  - In order to pay the amount of the consolidated transaction, the payee user requests from the merchant payment terminal the consumer reservation payment function and informs the merchant payment terminal of his payee user identifier;
- o terminal de pagamento do comerciante comunica ao serviço de pagamento de nuvem um requerimento de pagamento por reserva de consumo junto com o identificador de usuário beneficiário, o valor da transação consolidada, e o seu próprio identificador de terminal de pagamento; e  - the merchant's payment terminal communicates to the cloud payment service a consumer reservation payment request along with the payee user identifier, the amount of the consolidated transaction, and its own payment terminal identifier; and
- o serviço de pagamento de nuvem comunica ao terminal de pagamento do comerciante uma confirmação de pagamento e define um novo valor de consumo atualizado deduzindo o valor da transa- ção consolidada do valor de consumo. - The cloud payment service communicates to the merchant's payment terminal a payment confirmation and sets a new updated consumption value by deducting the transaction amount. consolidated consumption value.
[0004] Outro objeto da invenção é um terminal de pagamento que inclui um modulo de conexão a um serviço de pagamento de nuvem, e que inclui ainda:  Another object of the invention is a payment terminal which includes a module for connecting to a cloud payment service, and further including:
- um periférico de entrada apto para um usuário se identificar com um identificador de usuário;  - an input peripheral capable of a user identifying with a user identifier;
- um módulo de reserva de consumo apto a comunicar com um autorizador de pagamento;  - a consumption reserve module able to communicate with a payment authorizer;
- um módulo de pagamento por reserva de consumo apto a comunicar com o serviço de pagamento de nuvem.  - a consumer reserve payment module capable of communicating with the cloud payment service.
[0005] A invenção permite que um usuário pague as compras que serão realizadas posteriormente por outro usuário. A reserva de consumo envolve a emissão de um pagamento por parte de um usuário e o pagamento por reserva de consumo envolve a recepção de um pagamento por parte do comerciante. Ambas as operações são realizadas por meio de terminais de pagamento que são dispositivos destinados aos profissionais e que apresentam o maior nível de segurança na transmissão e processamento de dados. Esses terminais de pagamento são usualmente à prova de violação e lacrados, o que não pode ser proporcionado por aparelhos pertencendo aos usuários tais como telefones celulares ou tabletes.  [0005] The invention allows a user to pay for purchases that will be made later by another user. The consumer reservation involves the issuance of a payment by a user and the payment by consumption reserve involves the receipt of a payment by the merchant. Both operations are performed through payment terminals that are devices intended for professionals and that have the highest level of security in data transmission and processing. These payment terminals are usually tamper-proof and sealed, which cannot be provided by user-owned devices such as mobile phones or tablets.
[0006] Mesmo se a compra e o pagamento são efetuados por usuários distintos em diferentes momentos, o comerciante se beneficia do pagamento no mesmo instante da compra. Do mesmo modo, o usuário pagador finaliza o pagamento no mesmo instante da reserva de consumo. A invenção permite que a transação e o pagamento sejam assíncronos e permite que, ao mesmo tempo, tanto o comerciante como o usuário pagador não se preocupem com a transação fora do momento em que estão diretamente envolvidos nela.  Even if the purchase and payment are made by different users at different times, the merchant benefits from the payment at the same time as the purchase. Similarly, the paying user finalizes the payment at the same time as the consumption reserve. The invention allows the transaction and payment to be asynchronous and allows both the merchant and the paying user not to worry about the transaction at a time when they are directly involved in it.
[0007] Vários cenários são possibilitados pela invenção. [0008] Um usuário pagador pode decidir disponibilizar um montante para que o usuário beneficiário possa fazer compras com esse montante. Esse usuário pagador se dirige então a qualquer loja que dê acesso a um terminal de pagamento de acordo com a invenção e realiza uma reserva de consumo cujo valor de consumo corresponde ao dito montante. O usuário benificiário pode depois realizar suas compras em qualquer comerciante que possua um terminal de pagamento de acordo com a invenção e pagar com essa reserva de consumo. Several scenarios are made possible by the invention. [0008] A paying user may decide to make an amount available so that the beneficiary user can make purchases with that amount. This paying user then goes to any store that gives access to a payment terminal according to the invention and makes a consumption reservation whose consumption value corresponds to said amount. The beneficiary user can then make his purchases at any merchant that has a payment terminal according to the invention and pay with this consumption reserve.
[0009] O usuário pagador pode ser qualquer pessoa que tenha interesse em disponibilizar um montante para o usuário beneficiário. Por exemplo, o usuário beneficiário pode ser um empregado do usuário pagador e está encarregado de fazer compras por conta do usuário pagador. Como outro exemplo, o usuário beneficiário pode ser um dependente do usuário pagador. [0009] The paying user can be anyone who is interested in making an amount available to the beneficiary user. For example, the payee user may be an employee of the paying user and is responsible for making purchases on behalf of the paying user. As another example, the beneficiary user may be a dependent on the paying user.
[0010] Em termos de distância, a invenção é vantajosa se o usuário pagador estiver longe do usuário beneficiário. O usuário pagador realiza a reserva de consumo no lugar mais próximo dele, e o usuário beneficiário paga com essa reserva de consumo na loja mais próxima dele, ou seja, cada um realiza a sua respetiva operação onde for mais conveniente para ele.  In terms of distance, the invention is advantageous if the paying user is far from the beneficiary user. The paying user makes the consumption reservation at his / her nearest place, and the beneficiary user pays with this consumption reserve at his / her nearest store, that is, each one carries out its operation wherever it is most convenient for him.
[001 1 ] Em termos de tempo, a invenção também é vantajosa se o usuário pagador não está disponível no mesmo momento que o usuário beneficiário. O usuário pagador realiza a reserva de consumo e o usuário beneficiário vai depois pagar com essa reserva de consumo em qualquer momento. Nesse contexto, a reserva de consumo e o pagamento podem ser realizados na mesma loja. Por exemplo, em uma loja próxima de um domicílio, um dos moradores pode ser um usuário pagador que realiza uma reserva de consumo nessa loja e qualquer outro morador que necessita fazer compras e levar para o domicilio pode ser um usuário beneficiário. [0012] Características preferidas que podem complementar o processo de acordo com a invenção são a seguir indicadas. In terms of time, the invention is also advantageous if the paying user is not available at the same time as the beneficiary user. The paying user makes the consumption reserve and the beneficiary user will then pay with this consumption reserve at any time. In this context, the consumption reserve and payment can be made in the same store. For example, at a store near a home, one of the residents may be a paying user who makes a consumer reservation at that store, and any other resident who needs to shop and take home may be a beneficiary user. Preferred features which may complement the process according to the invention are set forth below.
[0013] O processo pode incluir uma dessas características ou um conjunto dessas características combinadas. The process may include one of these characteristics or a combination of these characteristics.
[0014] O comerciante é cadastrado no serviço de pagamento de nuvem com um identificador de comerciante, e o terminal de pagamento do comerciante comunica também o identificador de comerciante ao serviço de pagamento de nuvem junto com o requerimento de pagamento por reserva de consumo.  [0014] The merchant is enrolled in the cloud payment service with a merchant identifier, and the merchant payment terminal also communicates the merchant identifier to the cloud payment service along with the consumer reserve payment request.
[0015] O terminal de pagamento está disponibilizado em uma loja física.  [0015] The payment terminal is available at a physical store.
[0016] O terminal de pagamento é um dispositivo eletrônico que aceita cartões de pagamento ou um aparelho de comunicação móvel.  The payment terminal is an electronic device that accepts payment cards or a mobile communication device.
[0017] A ativação do meio de pagamento do usuário pagador é realizada pela leitura de um cartão de pagamento do usuário pagador e digitação de senha. [0017] Activation of the paying user's payment method is accomplished by reading a paying user payment card and entering a password.
[0018] O usuário pagador é cadastrado no serviço de pagamento de nuvem com um identificador de usuário pagador, e o usuário pagador comunica esse identificador de usuário pagador ao terminal de pagamento.  [0018] The paying user is registered with the cloud payment service with a paying user identifier, and the paying user communicates this paying user identifier to the payment terminal.
[0019] O comerciante é cadastrado no serviço de pagamento de nuvem com um identificador de comerciante, e o terminal de pagamento do comerciante comunica esse identificador de comerciante ao serviço de pagamento de nuvem.  The merchant is registered with the cloud payment service with a merchant identifier, and the merchant payment terminal communicates that merchant identifier to the cloud payment service.
[0020] Na etapa de o usuário pagador solicitar em um terminal de pagamento a função de reserva de consumo, o terminal de pagamento está disponibilizado em uma loja.  At the step of the paying user requesting at a payment terminal the consumption reservation function, the payment terminal is available in a store.
[0021 ] A dita loja é cadastrada no serviço de pagamento de nuvem com um identificador de loja de reserva, e o terminal de pagamento comunica esse identificador de loja de reserva ao autorizador de pa- gamento. Said store is registered with the cloud payment service with a reserve store identifier, and the payment terminal communicates this reserve store identifier to the payment authorizer. .
[0022] O comerciante comunica o vaior da transação consolidada para o seu terminal de pagamento por meio de um dispositivo de frente de caixa. O dito dispositivo de frente de caixa pertence opcionalmente a um sistema de frente de caixa de nuvem cujo programa de caixa esta hospedado no serviço de pagamento de nuvem.  The merchant communicates the value of the consolidated transaction to his payment terminal via a cash front device. Said cash front device optionally belongs to a cloud cash front system whose cash program is hosted on the cloud payment service.
[0023] O terminal de pagamento e o terminal de pagamento do comerciante são um único terminal de pagamento ou são terminais de pagamento distintos. The payment terminal and the merchant payment terminal are either a single payment terminal or are separate payment terminals.
[0024] É o usuário pagador ou o serviço de pagamento de nuvem que informa o usuário beneficiário da realização da reserva de consumo em seu favor e do valor de consumo correspondente.  [0024] It is the paying user or the cloud payment service that informs the beneficiary user of the consumption reserve in their favor and the corresponding consumption amount.
[0025] O comerciante é uma loja física ou uma loja virtual. [0025] The merchant is a physical store or an online store.
[0026] O usuário pagador define uma senha de reserva no terminal de pagamento, e o usuário beneficiário digita essa senha de reserva no terminal de pagamento do comerciante. [0026] The paying user sets a booking password at the payment terminal, and the payee user enters this booking password at the merchant payment terminal.
[0027] A etapa na qual o usuário pagador ativa um meio de pagamento no terminal de pagamento é realizada com o uso de um esquema de gerenciamento de chaves DUKPT ("Derived Unique Key Per Transaction") especificada na norma ANSI X9.24 do "Americain National Standards Institute".  The step in which the paying user activates a payment method at the payment terminal is performed using a "Derived Unique Key Per Transaction" (DUKPT) key management scheme specified in "ANSI X9.24 of" Americain National Standards Institute ".
Descrição resumida das figuras Brief Description of the Figures
[0028] A invenção é explicada abaixo pela descrição de um modo preferido de realização, exemplificado pelas figuras, nas quais:  The invention is explained below by the description of a preferred embodiment, exemplified by the figures, in which:
- a figura 1 ilustra os diferentes elementos envolvidos no processo de acordo com a invenção;  Figure 1 illustrates the different elements involved in the process according to the invention;
- a figura 2 ilustra a realização de uma reserva de consumo; Figure 2 illustrates the realization of a consumption reserve;
- a figura 3 ilustra um pagamento por reserva de consumo. Descrição detalhada das figuras - Figure 3 illustrates a consumption reserve payment. Detailed Description of the Figures
[0029] A figura 1 representa esquematicamente um usuário bene- ficiário 1 , um usuário pagador 2, um comerciante 3, um primeiro terminai de pagamento 4, um segundo terminai de pagamento 5, e um serviço de pagamento de nuvem 6. [0029] Figure 1 schematically represents a beneficial user. 1, a paying user 2, a merchant 3, a first payment termination 4, a second payment termination 5, and a cloud payment service 6.
[0030] A invenção permite que o usuário beneficiário 1 faça compras e pague com um montante que o usuário pagador 2 disponibilizou para ele. A invenção envolve um serviço de pagamento de nuvem 6 que inclui pelo menos um servidor ligado a uma rede que permite a comunicação segura com os terminais de pagamento 4, 5.  The invention allows beneficiary user 1 to make purchases and pay with an amount that paying user 2 has made available to him. The invention involves a cloud payment service 6 including at least one server connected to a network enabling secure communication with payment terminals 4, 5.
[0031 ] No presente exemplo, o usuário beneficiário 1 não precisa se cadastrar no serviço de pagamento de nuvem 6. Isso permite que qualquer pessoa possa ser beneficiário de uma reserva de consumo realizada por um usuário pagador 2. [0031] In this example, payee user 1 does not need to sign up for cloud payment service 6. This allows anyone to benefit from a consumer reservation made by a paying user 2.
[0032] Alternativamente, é possível optar por uma obrigação de cadastro do usuário beneficiário 1 se for preferível que somente pessoas identificadas possam ser usuários beneficiários 1.  Alternatively, it is possible to opt for a beneficiary user registration obligation 1 if it is preferable that only identified persons can be beneficiary users 1.
[0033] O usuário beneficiário 1 pode se cadastrar no serviço de pagamento de nuvem 6 por qualquer meio usual como, por exemplo, em um site Internet ligado ao serviço de pagamento de nuvem 6. Essa alternativa é representada por uma seta tracejada na figura 1. Nesse caso, o usuário beneficiário recebe um identificador de usuário beneficiário 7. Beneficiary user 1 can sign up for cloud payment service 6 by any usual means, such as an Internet site linked to cloud payment service 6. This alternative is represented by a dashed arrow in figure 1. In this case, the beneficiary user is given a beneficiary user identifier 7.
[0034] O identificador de usuário beneficiário 7 é uma cadeia de caracteres que identifica o usuário beneficiário 1 de maneira inequívoca. O identificador de usuário beneficiário 7 pode ser um número gerado pelo serviço de pagamento de nuvem 6 ou um número existente ligado ao usuário beneficiário 1 como, por exemplo, um número de cadastro de pessoa física gerado pela administração pública do país considerado, o número de telefone do usuário beneficiário 1 , ou um número de cartão de pagamento pertencendo ao usuário beneficiário 1.  [0034] Beneficiary user identifier 7 is a string that uniquely identifies beneficiary user 1. The payee user identifier 7 can be a number generated by the cloud payment service 6 or an existing number linked to the payee user 1, such as an individual registration number generated by the public administration of the considered country, the number of payee user phone number 1, or a payment card number belonging to payee user 1.
[0035] Os terminais de pagamento 4, 5 são munidos cada um de um identificador de terminai de pagamento 8, 9 para se identificarem com o serviço de pagamento de nuvem 6. O serviço de pagamento de nuvem 6 se comunica somente com dispositivos de pagamento 4, 5 reconhecidos por ele e devidamente identificados por seu respetivo identificador de terminal de pagamento 8, 9. A comunicação entre o serviço de pagamento de nuvem 6 e os terminais de pagamento 4, 5 é cri ptog rafada segundo um nível de criptografia usual para a comunicação entre terminais de pagamento e autorizadores de pagamento. O processo proporciona assim uma segurança máxima. Nesse contexto, é possível usar, por exemplo, o esquema de gerenciamento de chaves DUKPT. Payment terminals 4, 5 are each provided with a payment termination identifier 8, 9 to identify with cloud payment service 6. Cloud payment service 6 only communicates with payment devices 4, 5 recognized by it and properly identified by their respective terminal identifier 8, 9. Communication between the cloud payment service 6 and payment terminals 4, 5 is broken down to a standard encryption level for communication between payment terminals and payment authorizers. The process thus provides maximum safety. In this context, you can use, for example, the DUKPT key management scheme.
[0036] No presente exemplo, o usuário pagador 2 também não precisa se cadastrar no serviço de pagamento de nuvem 6. Isso permite que qualquer pessoa possa realizar uma reserva de consumo para o usuário beneficiário 1.  [0036] In this example, paying user 2 also does not need to sign up for cloud payment service 6. This allows anyone to make a consumer reservation for payee 1.
[0037] Alternativamente, é possível optar por uma obrigação de cadastro do usuário pagador 2, que seria realizado da mesma forma que para o usuário beneficiário 1 , se for preferível que somente pessoas identificadas possam realizar uma reserva de consumo para o usuário beneficiário 1. Essa alternativa é representada por uma seta tracejada na figura 1. Nesse caso, o usuário pagador 2 recebe um identificador de usuário pagador 10.  Alternatively, it is possible to opt for a paying user 2 registration obligation, which would be carried out in the same way as for beneficiary user 1, if it is preferable that only identified persons can hold a consumption reserve for beneficiary user 1. This alternative is represented by a dashed arrow in Figure 1. In this case, paying user 2 receives a paying user identifier 10.
[0038] No presente exemplo, o segundo terminal de pagamento 5 é providenciado pelo comerciante 3. O comerciante 3 também não precisa se cadastrar no serviço de pagamento de nuvem 6. Isso permite que o usuário beneficiário 1 possa fazer compras em qualquer comerciante 3 com o montante que o usuário pagador 2 disponibilizou para ele. A única condição necessária ao comerciante 3 é que ele deve dispor de um terminal de pagamento 5 que seja reconhecido pelo serviço de pagamento de nuvem 6, ou seja, um terminal de pagamento 5 que disponha de um identificador de terminal de pagamento 9 aceito pelo serviço de pagamento de nuvem 6. In the present example, the second payment terminal 5 is provided by merchant 3. Merchant 3 also does not need to sign up for cloud payment service 6. This allows beneficiary user 1 to make purchases at any merchant 3 with the amount that paying user 2 has made available to him. The only necessary condition for merchant 3 is that he must have a payment terminal 5 that is recognized by cloud payment service 6, that is, a payment terminal 5 having a payment terminal identifier 9 accepted by the cloud payment service 6.
[0039] Alternativamente, é possível optar por uma obrigação de cadastro do comerciante 3, se for preferível que pagamentos com reserva de consumo possam ser somente realizados em comerciantes previamente credenciados, além de possuírem um terminal de pagamento 5 reconhecido pelo serviço de pagamento de nuvem 6. Essa alternativa é representada por uma seta tracejada na figura 1. Nesse caso, o cadastro do comerciante 3 pode ser realizado no serviço de pagamento de nuvem 6 por qualquer meio usual como, por exemplo, em um site Internet ligado ao serviço de pagamento de nuvem 6, de modo que o comerciante 3 receba um identificador de comerciante 1 1.  Alternatively, it is possible to opt for a merchant registration obligation 3, if it is preferable that consumer reserve payments can only be made to previously accredited merchants, and have a payment terminal 5 recognized by the cloud payment service. 6. This alternative is represented by a dashed arrow in Figure 1. In this case, merchant registration 3 can be performed on cloud payment service 6 by any usual means, such as on an Internet site linked to the payment service. 6 so that merchant 3 receives a merchant identifier 1 1.
[0040] Na figura 1 , estão ilustrados dois exemplos de realização do primeiro terminal de pagamento 4: um dispositivo eletrônico que aceita cartões de pagamento 12 e um aparelho de comunicação móvel 13. In Fig. 1, two examples of embodiment of the first payment terminal 4 are illustrated: an electronic device accepting payment cards 12 and a mobile communication apparatus 13.
[0041 ] No caso do terminal de pagamento 4 ser um dispositivo eletrônico que aceita cartões de pagamento 12, esse dispositivo 12 é capaz de conectar-se ao serviço de pagamento de nuvem 6, por exemplo, por meio da rede celular ou de uma conexão de Internet por cabo ou wi-fi. Isto é semelhante ao tipo de terminal de pagamento clássico disponibilizado nas lojas de comerciantes.  In case payment terminal 4 is an electronic device that accepts payment cards 12, this device 12 is capable of connecting to cloud payment service 6, for example, via the cellular network or a connection. Internet by cable or wifi. This is similar to the type of classic payment terminal available in merchant stores.
[0042] No caso do terminal de pagamento 4 ser um aparelho de comunicação móvel 13, tal como um telefone celular de tipo "smar- tphone" ou um tablet, esse aparelho 13 inclui uma aplicação capaz de se conectar ao serviço de pagamento de nuvem 6 através dos meios de comunicação próprios do aparelho 13. Isso é uma nova geração de terminais de pagamento mais adequados a comerciantes individuais ou itinerantes.  In case the payment terminal 4 is a mobile communication device 13, such as a smarphone phone or tablet, this device 13 includes an application capable of connecting to the cloud payment service. 6 through the device's own media 13. This is a new generation of payment terminals best suited to individual or itinerant merchants.
[0043] Além dos dois exemplos dados acima, podem ser utilizados qualquer tipo de terminal de pagamento 4, desde que ele possa ser conectado ao serviço de pagamento de nuvem 6. Outro exemplo de terminal de pagamento 4 (não ilustrado) é um terminal de pagamento que está ligado a um dispositivo de frente de caixa do comerciante, o terminal de pagamento recebendo informações, tais como o preço a pagar, do dispositivo de frente de caixa; e todas as comunicações do terminal de pagamento com serviços rede sendo realizadas por meio do dispositivo de frente de caixa. In addition to the two examples given above, you can use any type of payment terminal 4 as long as it can be connected to cloud payment service 6. Another example of payment terminal 4 (not shown) is a payment terminal that is connected to a merchant's cash-front device , the payment terminal receiving information, such as the price to pay, from the cash-front device; and all payment terminal communications with network services being performed via the cashier device.
[0044] Do mesmo modo que o primeiro terminal de pagamento 4, o segundo terminal de pagamento 5 pode ser concretizado por diferentes tipos de terminal de pagamento, incluindo um dispositivo eletronico que aceita cartões de pagamento 14, ou um aparelho de comunicação móvel 15.  Similar to the first payment terminal 4, the second payment terminal 5 may be embodied by different types of payment terminal, including an electronic device that accepts payment cards 14, or a mobile communication apparatus 15.
[0045] A figura 2 ilustra esquematicamente as operações visando realizar uma reserva de consumo.  [0045] Figure 2 schematically illustrates operations aimed at realizing a consumption reserve.
[0046] O usuário pagador 2 se dirige até um local que disponibiliza um primeiro terminal de pagamento 4. Esse local pode ser uma loja usual ou qualquer outro lugar no qual o terminal de pagamento 4 está em acessível para o usuário pagador 2.  [0046] Paying user 2 goes to a location that provides a first payment terminal 4. This location can be a regular store or any other place where payment terminal 4 is accessible to paying user 2.
[0047] O usuário pagador 2 solicita no terminal de pagamento 4 a função de reserva de consumo 23 e entra na sequência os seguintes dados: o identificador de usuário beneficiário 7 e o valor de consumo 16. O valor de consumo 16 é o montante a ser disponibilizado para que o usuário beneficiário 7 possa fazer compras.  The paying user 2 requests at payment terminal 4 the consumption reserve function 23 and enters the following data: the beneficiary user identifier 7 and the consumption value 16. The consumption value 16 is the amount to be available for beneficiary user 7 to make purchases.
[0048] O terminal de pagamento 4 vai solicitar em seguida a ativa- ção de um meio de pagamento do usuário pagador 2. A ativação de um meio de pagamento do usuário pagador 2 se refere a todo meio de pagamento que é possível utilizar com um terminal de pagamento 4. O meio de pagamento mais comum é um cartão de pagamento, por exemplo, um cartão de débito ou crédito, que é lido pelo terminal de pagamento 4 e que requer eventualmente a digitação de uma senha pelo usuário pagador 2. No entanto, outros cartões usuais podem ser utilizados, tanto como sistemas de voucher ou de carteira eletrônica ("digital wallet"). [0048] Payment terminal 4 will then request activation of a paying user 2 payment method. Activation of a paying user 2 payment method refers to any payment method that can be used with a payment terminal 4. The most common means of payment is a payment card, for example a debit or credit card, which is read by the payment terminal. payment 4 and which may require a password to be entered by the paying user 2. However, other usual cards may be used as either a voucher or digital wallet system.
[0049] O terminal de pagamento 4 vai em seguida comunicar com um autorizador de pagamento 18.  The payment terminal 4 will then communicate with a payment authorizer 18.
[0050] O autorizador de pagamento 18 é constituído por servidores de uma empresa responsável pela transmissão e liquidação financeira de transações com cartões de pagamento. O papel desse tipo de empresa, presente no mercado, é de receber requisições de pagamentos emitidas por terminais de pagamento 4 e de se comunicar com as instituições financeiras e com as bandeiras de cartões de pagamento para transmitir os dados de pagamento de modo a obter a autorização da transação. Essa autorização permite o débito da conta bancária do usuário pagador 2.  Payment Authorizer 18 consists of servers of a company responsible for the transmission and financial settlement of payment card transactions. The role of this type of company, present in the market, is to receive payment requests issued by payment terminals 4 and to communicate with financial institutions and payment card brands to transmit payment data in order to obtain payment information. authorization of the transaction. This authorization allows debiting the paying user's bank account 2.
[0051 ] O terminal de pagamento 4 vai comunicar ao autorizador de pagamento 18 um requerimento de pagamento 17 junto com o valor a pagar (o valor de consumo 16), o identificador de usuário beneficiário 7, e os dados relativos ao meio de pagamento do usuário pagador 2.  Payment terminal 4 will communicate to payment authorizer 18 a payment request 17 along with the amount payable (the consumption amount 16), the payee user identifier 7, and the payment method data for the payer. paying user 2.
[0052] Opcionalmente, o terminal de pagamento 4 comunica também ao autorizador de pagamento 18 dados sobre a loja onde está localizado o terminal de pagamento 4, por exemplo, um identificador de loja de reserva 20. Optionally, the payment terminal 4 also communicates to the payment authorizer 18 data about the store where the payment terminal 4 is located, for example a reserve store identifier 20.
[0053] O autorizador de pagamento 18 autoriza o pagamento com base nos elementos comunicados pelo terminal de pagamento 4. O autorizador de pagamento 18 comunica em seguida uma autorização de pagamento 19 ao terminal de pagamento 4, este último exibindo na sequência para o usuário pagador 2 que o pagamento foi devidamente autorizado.  The payment authorizer 18 authorizes the payment based on the elements communicated by the payment terminal 4. The payment authorizer 18 then communicates a payment authorization 19 to the payment terminal 4, the latter displaying in sequence to the paying user 2 that the payment has been duly authorized.
[0054] Simultaneamente à comunicação da autorização de paga- mento 19, ou logo depois, o autorizador de pagamento 18 vai comunicar para o serviço de pagamento de nuvem 6 o identificador do usuário beneficiário 7, o valor de consumo 16, e o identificador do terminal de pagamento 8. [0054] At the same time as the payment authorization notification 19, or shortly thereafter, the payment authorizer 18 will communicate to the cloud payment service 6 the payee user identifier 7, the consumer value 16, and the payment terminal identifier 8.
[0055] O serviço de pagamento de nuvem 6 armazena então uma reserva de consumo 21 que é vinculada ao identificador de usuário beneficiário 7. Na reserva de consumo estão gravados: o valor de consumo 16, o identificador de terminal de pagamento 8, e eventualmente o identificador da loja de reserva 20.  The cloud payment service 6 then stores a consumption reserve 21 which is linked to the beneficiary user identifier 7. In the consumption reserve are recorded: the consumption value 16, the payment terminal identifier 8, and eventually the reserve store identifier 20.
[0056] A reserva de consumo é assim realizada. O montante correspondente, ou seja, o valor de consumo 16 foi pago pelo usuário pagador mais ainda não foi utilizado para fazer compras. O ato de fazer compras com esse montante é denominado abaixo "pagar com a reserva de consumo 21 ".  [0056] The consumption reserve is thus realized. The corresponding amount, ie the consumption amount 16 has been paid by the paying user but has not yet been used to make purchases. Purchasing this amount is referred to below as "paying with the consumption reserve 21".
[0057] Durante todo o processo de realização da reserva de consumo 21 , o eventual identificador de usuário pagador 10 pode ser comunicado do usuário pagador 2 ao terminal de pagamento 4, ao autorizador de pagamento 18, e ao serviço de pagamento de nuvem 6, ficando gravado na reserva de consumo 21 .  Throughout the process of making the consumer reservation 21, any paying user identifier 10 may be communicated from paying user 2 to payment terminal 4, payment authorizer 18, and cloud payment service 6, getting saved in the consumption reserve 21.
[0058] Do mesmo modo, durante todo o processo de realização da reserva de consumo 21 , o usuário pagador 2 pode opcionalmente definir uma senha de reserva no terminal de pagamento 4. Essa eventual senha de reserva pode servir para adicionar um nível suplementar de segurança e garantir que é bem o usuário beneficiário 1 que vai usar o montante da reserva de consumo 21. A eventual senha de reserva é comunicada ao autorizador de pagamento 18 e ao serviço de pagamento de nuvem 6, ficando gravada na reserva de consumo 21.  Likewise, throughout the process of making the consumer reservation 21, the paying user 2 may optionally set a reservation password on the payment terminal 4. This eventual reservation password may serve to add an additional level of security. and ensuring that it is the beneficiary user 1 who will use the amount of the consumer reserve 21. The eventual reservation password is communicated to the payment authorizer 18 and the cloud payment service 6 and is recorded in the consumption reserve 21.
[0059] A figura 3 ilustra esquematicamente uma operação de pagamento com a reserva de consumo 21 que foi realizada em relação à figura 2. [0060] O usuário beneficiário 1 é em primeiro lugar informado do fato que uma reserva de consumo 21 foi realizada em seu favor. O usuário pagador 2 pode comunicar diretamente, por exemplo, com o seu telefone 22, com o usuário beneficiário 1 que, nesse exemplo, dispõe também de um telefone 29 e que recebe assim o valor de consumo 16 disponível para ele, e a senha de reserva opcional. O usuário beneficiário 1 pode também ser informado diretamente pelo serviço de pagamento de nuvem 6. Por exemplo, o serviço de pagamento de nuvem 6 pode enviar uma mensagem no telefone 29 do usuário beneficiário 1 logo que uma reserva de consumo 21 for armazenada em favor do usuário beneficiário 1 . Figure 3 schematically illustrates a payment transaction with the consumption reserve 21 that has been performed with respect to Figure 2. Beneficiary user 1 is first informed of the fact that a consumption reserve 21 has been held in his favor. Paying user 2 can communicate directly, for example, with his telephone 22, with beneficiary user 1, who in this example also has a telephone 29 and thus receives the consumption value 16 available to him, and the password of Optional booking. Beneficiary user 1 can also be informed directly by cloud payment service 6. For example, cloud payment service 6 can send a message on beneficiary 1's phone 29 as soon as a consumer reservation 21 is stored in favor of beneficiary user 1.
[0061 ] O usuário beneficiário 1 se dirige então para o comerciante 3 e seleciona as compras que ele deseja realizar com a reserva de consumo 21 .  Beneficiary user 1 then goes to merchant 3 and selects the purchases he wants to make with consumption reserve 21.
[0062] O comerciante 3 é uma pessoa física ou jurídica que está habilitada a vender produtos ou serviços. O comerciante 3 pode ser, por exemplo, um indivíduo que vende um produto ou presta um serviço, uma pequena loja, um supermercado ("loja física"). O comerciante 3 pode ser também, por exemplo, um site Internet de comércio eletrô- nico ou outro tipo de dispositivo de compra através de uma rede ele- trônica ("Soja virtual").  Trader 3 is a natural or legal person who is qualified to sell products or services. Trader 3 may be, for example, an individual who sells a product or provides a service, a small store, a supermarket ("physical store"). Trader 3 may also be, for example, an e-commerce Internet site or other type of purchasing device via an electronic network ("Virtual Soy").
[0063] As compras que o usuário beneficiário selecionar podem ser portanto qualquer produto ou serviço à venda em uma loja física ou em uma loja virtual.  Purchases that the beneficiary user selects can therefore be any product or service for sale in a physical store or an online store.
[0064] O usuário beneficiário 1 consolida uma transação no comerciante 3. A consolidação da transação é realizada depois de o usuário beneficiário 1 ter escolhido os artigos ou serviços que deseja comprar.  [0064] Beneficiary User 1 consolidates a transaction at Merchant 3. Transaction consolidation takes place after Beneficiary User 1 has chosen the items or services they want to purchase.
[0065] Se o comerciante 3 for uma loja física, consolidar uma transação corresponde à ação de registrar os artigos ou os serviços esco- Ihidos pelo usuário beneficiário 1 em um dispositivo de frente de caixa do comerciante 3. Em um supermercado, isso é realizado quando o usuário beneficiário 1 passa no caixa. Em lojas de porte menor, ou em comerciantes individuais, isso pode ser realizado através do registro manual dos artigos ou serviços no dispositivo de frente de caixa ou no terminal de pagamento 5. [0065] If merchant 3 is a physical store, consolidating a transaction corresponds to the action of registering the chosen articles or services. Designed by payee user 1 on a merchant's cash-front device 3. In a supermarket, this is accomplished when payee user 1 passes the cashier. In smaller stores or individual merchants, this can be done by manually registering items or services on the cash-front device or payment terminal 5.
[0066] Se o comerciante 3 for uma loja física, ele pode também consolidar a venda por meio de um sistema de frente de caixa de nuvem. Um sistema de frente de caixa de nuvem usual inclui um dispositivo físico de frente de caixa ligado por meio de uma rede a um programa de caixa que está na nuvem, ou seja, em um servidor remoto. Isso permite a simplificação do dispositivo físico de frente de caixa e facilita a manutenção do programa de caixa no servidor remoto. Se um sistema de frente de caixa de nuvem for usado pelo comerciante 3, uma opção vantajosa consiste em hospedar o programa de caixa dire- tamente no serviço de pagamento de nuvem 6.  If trader 3 is a physical store, he can also consolidate the sale through a cloud box front system. A typical cloud-front box system includes a physical box-front device that is networked to a box program that is in the cloud, that is, on a remote server. This enables simplification of the physical cashier device and facilitates the maintenance of the cashier program on the remote server. If a cashier front system is used by merchant 3, an advantageous option is to host the cashier program directly on the cloud payment service 6.
[0067] Se o comerciante 3 for uma loja virtual, consolidar uma transação corresponde ao fato de o usuário beneficiário 1 ir para a página de conclusão da venda depois de ter selecionado os produtos ou serviços desejados. [0067] If merchant 3 is an online store, consolidating a transaction corresponds to the fact that beneficiary user 1 goes to the sales completion page after selecting the desired products or services.
[0068] A consolidação da transação é finalizada com a comunicação ao terminal de pagamento 5 do comerciante 3 do valor da transação consolidada 26, a pagar pelo usuário beneficiário 1. Essa comunicação pode ser realizada, por exemplo, por digitação direta do valor da transação consolidada 26 no terminal de pagamento 5 pelo comerciante 3, ou pelo dispositivo de frente de caixa do comerciante 3 que realiza essa comunicação automaticamente.  [0068] Transaction consolidation is terminated with communication to merchant payment terminal 5 of consolidated transaction value 26 payable by beneficiary user 1. This communication can be performed, for example, by directly entering transaction value consolidated 26 at the payment terminal 5 by the merchant 3, or by the merchant's cash-front device 3 which performs this communication automatically.
[0069] Para pagar o valor da transação consolidada 26, o usuário beneficiário 1 solicita no terminal de pagamento 5 do comerciante 3 a função de pagamento por reserva de consumo 24 e comunica ao ter- minai de pagamento 5 o seu identificador de usuário beneficiário 7. Tal comunicação pode ser realizada, por exemplo, digitando o identificador de usuário beneficiário 7, digitando a senha de reserva (no caso em que o usuário pagador 2 definiu tal senha de reserva), lendo um cartão de identificação, ou ainda escaneando um código de barras bidimensional ("QR code") que pode estar memorizado no telefone celular do usuário beneficiário 1. To pay the amount of consolidated transaction 26, beneficiary user 1 requests at payment terminal 5 from merchant 3 the payment function by consumption reserve 24 and communicates to the third party pay mine 5 your payee user identifier 7. Such communication can be accomplished, for example, by entering payee user identifier 7, by entering the backup password (in case the paying user 2 has set such a backup password), reading an ID card, or scanning a two-dimensional bar code ("QR code") that may be stored on the beneficiary user's mobile phone 1.
[0070] Como outro exemplo, o usuário beneficiário 1 pode se identificar inserindo o seu próprio cartão de pagamento no terminal de pagamento 5 (o cartão de pagamento é usado nesse caso somente para identificar o usuário beneficiário 1 , e não para pagar). Todos esses exemplos de comunicação do identificador de usuário beneficiário 7 ao terminal de pagamento 5 podem ser executados diretamente no terminal de pagamento 5 ou por meio do dispositivo de frente de caixa do comerciante 3 que está ligado ao terminal de pagamento 5.  As another example, payee 1 can identify himself by inserting his own payment card into payment terminal 5 (the pay card is used in this case only to identify payee 1, not to pay). All of these examples of communicating the payee user identifier 7 to the payment terminal 5 may be performed directly at the payment terminal 5 or via the merchant's cash-front device 3 which is connected to the payment terminal 5.
[0071 ] O terminal de pagamento 5 comunica em seguida ao serviço de pagamento de nuvem 6 um requerimento de pagamento por reserva de consumo 25 junto com o identificador de usuário beneficiário 7, o valor da transação consolidada 26, e o seu próprio identificador de terminal de pagamento 9. The payment terminal 5 then communicates to the cloud payment service 6 a consumption reserve payment request 25 along with the payee user identifier 7, the consolidated transaction amount 26, and its own terminal identifier of payment 9.
[0072] Ao receber o requerimento de pagamento por reserva de consumo 25, o serviço de pagamento de nuvem 6 estabelece a relação entre esse requerimento 25 e a reserva de consumo 21 que foi anteriormente armazenada com o mesmo identificador de usuário beneficiário 7. O serviço de pagamento de nuvem 6 verifica desse modo que o requerimento de pagamento por reserva de consumo 25 pode ser cumprido.  Upon receiving payment request for consumption reserve 25, cloud payment service 6 establishes the relationship between this requirement 25 and consumption reserve 21 that was previously stored with the same payee user identifier 7. The service Cloud Payment Process 6 thus verifies that the Consumer Reserve Payment Requirement 25 can be met.
[0073] O serviço de pagamento de nuvem 6 comunica em seguida para o terminal de pagamento 5 uma confirmação de pagamento 27 e define um novo valor de consumo atualizado 28 deduzindo o valor da transação consolidada 26 do valor de consumo 16. The cloud payment service 6 then communicates to payment terminal 5 a payment confirmation 27 and sets a new updated consumption value 28 by deducting the value of the payment. consolidated transaction 26 of the consumer value 16.
[0074] O novo valor de consumo atualizado 28 fica no serviço de pagamento de nuvem 6, armazenado junto com a reserva de consumo 21 , para uma próxima compra do usuário beneficiário 1. [0074] The new updated consumption value 28 is in cloud payment service 6, stored together with consumption reserve 21, for a next purchase from payee 1.
[0075] No presente exemplo, o primeiro terminal de pagamento 4 e o segundo terminal de pagamento 5 foram descritos como dois terminais distintos. Porém, em uma concretização alternativa, esses dois terminais de pagamento 4, 5 podem ser o mesmo terminal de pagamento, sendo que o usuário pagador 2 realiza a reserva de consumo 21 na mesma loja onde o usuário beneficiário 1 realiza o pagamento por reserva de consumo. In the present example, the first payment terminal 4 and the second payment terminal 5 have been described as two distinct terminals. However, in an alternate embodiment, these two payment terminals 4, 5 may be the same payment terminal, with paying user 2 making consumption reservation 21 at the same store where beneficiary user 1 makes payment by consumption reserve .
[0076] Um terminal de pagamento 4, 5 que é apto à função de reserva de consumo 23 e à função de pagamento por reserva de consumo 24 inclui um modulo de conexão a um serviço de pagamento de nuvem (6), e inclui ainda:  [0076] A payment terminal 4, 5 which is capable of the consumer reservation function 23 and the consumer reservation payment function 24 includes a module for connecting to a cloud payment service (6), and further includes:
- um periférico de entrada apto para um usuário 1 , 2 se identificar com o seu respectivo identificador de usuário 7, 10;  - an input peripheral capable of a user 1, 2 identifying with its respective user identifier 7, 10;
- um módulo de reserva de consumo apto a comunicar com o autorizador de pagamento 18 através do serviço de pagamento de nuvem 6; e  a consumer reservation module capable of communicating with the payment authorizer 18 via cloud payment service 6; and
- um módulo de pagamento por reserva de consumo apto a comunicar com o serviço de pagamento de nuvem 6.  - a consumer reserve payment module capable of communicating with the cloud payment service 6.
[0077] Tendo sido descrito um exemplo de concretização preferido, deve ser entendido que o escopo da presente invenção abrange outras possíveis variações, sendo limitado tão somente pelo teor das reivindicações apensas, aí incluídos os possíveis equivalentes.  Having described a preferred embodiment example, it should be understood that the scope of the present invention encompasses other possible variations, being limited only by the content of the appended claims, including the possible equivalents thereof.

Claims

REIVINDICAÇÕES
1. Processo de reserva de consumo e de pagamento em um serviço de pagamento de nuvem (6), caracterizado pelo fato de que compreende as etapas de:  1. Reservation process for consumption and payment in a cloud payment service (6), characterized in that it comprises the steps of:
um usuário pagador (2) solicita em um terminal de pagamento (4) a função de reserva de consumo (23);  a paying user (2) requests at a payment terminal (4) the consumption reservation function (23);
o usuário pagador (2) comunica ao terminal de pagamento (4) um identificador de usuário beneficiário (7) e um valor de consumo (16) a ser disponibilizado para o usuário beneficiário (1 );  the paying user (2) communicates to the payment terminal (4) a payee user identifier (7) and a consumption amount (16) to be made available to the payee user (1);
o usuário pagador (2) ativa um meio de pagamento no terminal de pagamento (4) para realizar o pagamento do valor de consumo (16);  the paying user (2) activates a payment method at the payment terminal (4) to make the consumption value payment (16);
o terminal de pagamento (4) comunica a um autorizador de pagamento (18) um requerimento de pagamento (17) junto com o identificador de usuário beneficiário (7), o valor de consumo (16), e o seu próprio identificador de terminal de pagamento (8);  the payment terminal (4) communicates to a payment authorizer (18) a payment request (17) together with the beneficiary user identifier (7), the consumption value (16), and its own payment terminal identifier (16). payment (8);
o autorizador de pagamento (18) comunica para o terminal de pagamento (4) uma autorização de pagamento (19);  the payment authorizer (18) communicates to the payment terminal (4) a payment authorization (19);
o autorizador de pagamento (18) comunica para o serviço de pagamento de nuvem (6) o identificador do usuário beneficiário (7), o valor de consumo (16) e o identificador de terminal de pagamento (8);  the payment authorizer (18) communicates to the cloud payment service (6) the payee user identifier (7), the consumer value (16) and the payment terminal identifier (8);
o serviço de pagamento de nuvem (6) armazena uma reserva de consumo (21 ) que é vinculada ao identificador de usuário beneficiário (7) e onde são gravados o valor de consumo (16) e o identificador de terminal de pagamento (8);  the cloud payment service (6) stores a consumption reserve (21) which is linked to the beneficiary user identifier (7) and where the consumption value (16) and the payment terminal identifier (8) are recorded;
o usuário beneficiário (1 ) é informado da realização da reserva de consumo (21 ) em seu favor e do valor de consumo (16) correspondente;  the beneficiary user (1) is informed of the consumption reserve (21) in his favor and the corresponding consumption value (16);
o usuário beneficiário (1 ) consolida uma transação em um comerciante (3) que possui um terminal de pagamento (5); the beneficiary user (1) consolidates a transaction into a merchant (3) having a payment terminal (5);
para pagar o valor da transação consolidada (26), o usuário beneficiário (1 ) solicita no terminal de pagamento do comerciante (5) a função de pagamento por reserva de consumo (24) e comunica ao terminal de pagamento do comerciante (5) o seu identificador de usuário beneficiário (7);  To pay the amount of the consolidated transaction (26), the beneficiary user (1) requests at the merchant payment terminal (5) the consumption reserve payment function (24) and informs the merchant payment terminal (5) your beneficiary user identifier (7);
o terminal de pagamento do comerciante (5) comunica ao serviço de pagamento de nuvem (6) um requerimento de pagamento por reserva de consumo (25) junto com o identificador de usuário beneficiário (7), o valor da transação consolidada (26), e o seu próprio identificador de terminal de pagamento (9); e  merchant payment terminal (5) communicates to the cloud payment service (6) a consumer reservation payment request (25) along with the beneficiary user identifier (7), the amount of the consolidated transaction (26), and its own payment terminal identifier (9); and
o serviço de pagamento de nuvem (6) comunica ao terminal de pagamento do comerciante (5) uma confirmação de pagamento (27) e define um novo valor de consumo atualizado (28) deduzindo o valor da transação consolidada (26) do valor de consumo (16).  the cloud payment service (6) communicates to the merchant payment terminal (5) a payment confirmation (27) and sets a new updated consumption value (28) by deducting the consolidated transaction value (26) from the consumption value (16).
2. Processo de acordo com a reivindicação 1 , caracterizado pelo fato de que: o comerciante (3) é cadastrado no serviço de pagamento de nuvem (6) com um identificador de comerciante (1 1 ); e de que o terminal de pagamento do comerciante (5) comunica também o identificador de comerciante (1 1 ) ao serviço de pagamento de nuvem (6) junto com o requerimento de pagamento por reserva de consumo (25).  Process according to claim 1, characterized in that: the merchant (3) is registered with the cloud payment service (6) with a merchant identifier (11); and that the merchant payment terminal (5) also communicates the merchant identifier (11) to the cloud payment service (6) together with the consumer reserve payment request (25).
3. Processo de acordo uma das reivindicações 1 ou 2, caracterizado pelo fato de que o terminal de pagamento (4, 5) está disponibilizado em uma loja física.  Method according to one of Claims 1 or 2, characterized in that the payment terminal (4, 5) is available at a physical store.
4. Processo de acordo com a reivindicação 3, caracterizado pelo fato de que o terminal de pagamento (4, 5) é um dispositivo ele- trônico que aceita cartões de pagamento (12, 14).  Process according to claim 3, characterized in that the payment terminal (4,5) is an electronic device that accepts payment cards (12, 14).
5. Processo de acordo com a reivindicação 3, caracterizado pelo fato de que o terminal de pagamento (4, 5) é um aparelho de co- municação móvel (13, 15). Process according to Claim 3, characterized in that the payment terminal (4,5) is a cash dispenser. mobile communication (13,15).
6. Processo de acordo com uma das reivindicações 4 ou 5, caracterizado pelo fato de que a ativação do meio de pagamento do usuário pagador (2) é realizada pela leitura de um cartão de pagamento do usuário pagador (2) e digitação de senha.  Process according to one of Claims 4 or 5, characterized in that the activation of the paying user payment method (2) is performed by reading a paying user payment card (2) and entering a password.
7. Processo de acordo com qualquer uma das reivindicações 1 a 6, caracterizado pelo fato de que o usuário pagador (2) é cadastrado no serviço de pagamento de nuvem (6) com um identificador de usuário pagador (10); e que o usuário pagador (10) comunica esse identificador de usuário pagador (10) ao terminal de pagamento (4).  Process according to any one of claims 1 to 6, characterized in that the paying user (2) is registered with the cloud payment service (6) with a paying user identifier (10); and that the paying user (10) communicates this paying user identifier (10) to the payment terminal (4).
8. Processo de acordo com qualquer uma das reivindicações 1 a 7, caracterizado pelo fato de que: o comerciante (3) é cadastrado no serviço de pagamento de nuvem (6) com um identificador de comerciante (1 1 ); e de que o terminal de pagamento do comerciante (5) comunica esse identificador de comerciante (1 1 ) ao serviço de pagamento de nuvem (6).  Process according to any one of claims 1 to 7, characterized in that: the merchant (3) is registered with the cloud payment service (6) with a merchant identifier (11); and that the merchant payment terminal (5) communicates that merchant identifier (11) to the cloud payment service (6).
9. Processo de acordo com qualquer uma das reivindicações 1 a 8, caracterizado pelo fato de que, na etapa de o usuário pagador (2) solicitar em um terminal de pagamento (4) a função de reserva de consumo (23), o terminal de pagamento (4) está disponibilizado em uma loja.  Process according to any one of claims 1 to 8, characterized in that, at the step of the paying user (2) requesting from a payment terminal (4) the consumption reserve function (23), the terminal Payment (4) is available in a store.
10. Processo de acordo com a reivindicação 9, caracterizado pelo fato de que: a dita loja é cadastrada no serviço de pagamento de nuvem (6) com um identificador de loja de reserva (20); e de que o terminal de pagamento (4) comunica esse identificador de loja de reserva (20) ao autorizador de pagamento (18).  Process according to claim 9, characterized in that: said store is registered with the cloud payment service (6) with a reserve store identifier (20); and that the payment terminal (4) communicates this reserve store identifier (20) to the payment authorizer (18).
1 1. Processo de acordo com qualquer uma das reivindicações 1 a 10, caracterizado pelo fato de que o comerciante (3) comunica o valor da transação consolidada (26) para o seu terminal de pagamento (5) por meio de um dispositivo de frente de caixa. Method according to any one of claims 1 to 10, characterized in that the merchant (3) communicates the value of the consolidated transaction (26) to his payment terminal (5) by means of a front device. Of box.
12. Processo de acordo com a reivindicação 1 1 , caracterizado peio fato de que o dito dispositivo de frente de caixa pertence a um sistema de frente de caixa de nuvem cujo programa de caixa esta hospedado no serviço de pagamento de nuvem (6). A method according to claim 11, characterized in that said cash front device belongs to a cloud cash front system whose cash program is hosted on the cloud payment service (6).
13. Processo de acordo com qualquer uma das reivindicações 1 a 12, caracterizado pelo fato de que o terminal de pagamento (4) e o terminal de pagamento do comerciante (5) são um único terminal de pagamento.  Method according to any one of claims 1 to 12, characterized in that the payment terminal (4) and the merchant payment terminal (5) are a single payment terminal.
14. Processo de acordo com qualquer uma das reivindicações 1 a 12, caracterizado pelo fato de que o terminal de pagamento (4) e o terminal de pagamento do comerciante (5) são terminais de pagamento distintos.  Method according to any one of claims 1 to 12, characterized in that the payment terminal (4) and the merchant payment terminal (5) are separate payment terminals.
15. Processo de acordo com qualquer uma das reivindicações 1 a 14, caracterizado pelo fato de que é o usuário pagador (2) que informa o usuário beneficiário (1 ) da realização da reserva de consumo (21 ) em seu favor e do valor de consumo correspondente (16).  Process according to any one of claims 1 to 14, characterized in that it is the paying user (2) who informs the beneficiary user (1) of the realization of the consumption reserve (21) in his favor and the value of corresponding consumption (16).
16. Processo de acordo com qualquer uma das reivindicações 1 a 14, caracterizado pelo fato de que é o serviço de pagamento de nuvem (6) que informa o usuário beneficiário (1 ) da realização da reserva de consumo (21 ) em seu favor e do valor de consumo correspondente (16).  Process according to any one of claims 1 to 14, characterized in that it is the cloud payment service (6) which informs the beneficiary user (1) of the realization of the consumption reserve (21) in their favor and corresponding consumption value (16).
17. Processo de acordo com qualquer uma das reivindicações 1 a 16, caracterizado pelo fato de que o comerciante (3) é uma loja física.  Process according to any one of claims 1 to 16, characterized in that the merchant (3) is a physical store.
18. Processo de acordo com qualquer uma das reivindicações 1 a 16, caracterizado pelo fato de que o comerciante (3) é uma loja virtual.  Process according to any one of claims 1 to 16, characterized in that the merchant (3) is an online store.
19. Processo de acordo com qualquer uma das reivindicações 1 a 18, caracterizado pelo fato de que o usuário pagador (2) define uma senha de reserva no terminal de pagamento (4); e de que o usuário beneficiário (1 ) digita essa senha de reserva no terminal de pagamento (5) do comerciante (3). Method according to any one of claims 1 to 18, characterized in that the paying user (2) defines a reservation password at the payment terminal (4); and that the Beneficiary user (1) enters this booking password at the merchant's payment terminal (5) (3).
20. Processo de acordo com qualquer uma das reivindicações 1 a 18, caracterizado pelo fato de que a etapa na qual o usuário pagador (2) ativa um meio de pagamento no terminal de pagamento (4) é realizada com o uso de um esquema de gerenciamento de chaves DUKPT.  Process according to any one of claims 1 to 18, characterized in that the step in which the paying user (2) activates a payment means at the payment terminal (4) is performed using a payment scheme. DUKPT key management.
21. Processo de acordo com qualquer uma das reivindicações 1 a 20, caracterizado pelo fato de que o usuário beneficiário (1 ) é cadastrado no serviço de pagamento de nuvem (6) com o identificador de usuário beneficiário (7).  Process according to any one of claims 1 to 20, characterized in that the payee user (1) is registered with the cloud payment service (6) with the payee user identifier (7).
22. Terminal de pagamento (4, 5) que inclui um módulo de conexão a um serviço de pagamento de nuvem (6), caracterizado pelo fato de que inclui:  22. Payment terminal (4, 5) including a module for connection to a cloud payment service (6), characterized in that it includes:
um periférico de entrada apto para um usuário (1 , 2) se identificar com um identificador de usuário (7, 10);  an input peripheral capable of a user (1, 2) identifying with a user identifier (7, 10);
um módulo de reserva de consumo apto a comunicar com um autorizador de pagamento (18);  a consumption reserve module capable of communicating with a payment authorizer (18);
um módulo de pagamento por reserva de consumo apto a comunicar com o serviço de pagamento de nuvem (6).  a consumer reserve payment module capable of communicating with the cloud payment service (6).
PCT/BR2016/050222 2015-09-10 2016-09-06 Consumer credit and payment method in a cloud payment service, and payment terminal WO2017041154A1 (en)

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BR102015022482-6A BR102015022482A2 (en) 2015-09-10 2015-09-10 consumer reservation and payment process in a cloud payment service, and payment terminal
BRBR102015022482-6 2015-09-10
BR102015022691A BR102015022691A2 (en) 2015-09-11 2015-09-11 transaction booking and payment process at a cloud payment service and payment terminal
BRBR102015022691-8 2015-09-11

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Citations (3)

* Cited by examiner, † Cited by third party
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US6999569B2 (en) * 1998-10-28 2006-02-14 Mastercard International Incorporated System and method for using a prepaid card
US7204412B2 (en) * 2003-10-14 2007-04-17 Compucredit Intellectual Property Holdings Corp. Iii Family stored value card program
US8615439B2 (en) * 2012-04-16 2013-12-24 Wal-Mart Stores, Inc. Processing online transactions

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8660950B2 (en) * 2004-04-16 2014-02-25 Wells Fargo, N.A. System and method for bill pay with credit card funding

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6999569B2 (en) * 1998-10-28 2006-02-14 Mastercard International Incorporated System and method for using a prepaid card
US7204412B2 (en) * 2003-10-14 2007-04-17 Compucredit Intellectual Property Holdings Corp. Iii Family stored value card program
US8615439B2 (en) * 2012-04-16 2013-12-24 Wal-Mart Stores, Inc. Processing online transactions

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WO2017041153A1 (en) 2017-03-16

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