PAYMENT SYSTEM AND METHOD

Abstract

The present invention relates to a payment system and a method. The payment system comprises at least one point of sale device for processing a transaction between a dealer and a client the point of sale device being configured to read a payment ID assigned to the client, and to send out the payment ID further and at least a deal value, and to receive an acknowledgement signal for the transaction; at least one payment ID system for further processing the transaction, the payment ID system being configured to receive at least the payment ID and the deal value, and to check the payment on the basis of data accessible by the payment ID system, and in case of a correct data to generate and to submit the acknowledgement signal to the point of sale device, and to generate and submit at least a trigger signal; at least one communication system to submit a control signal from and to the client; at least one value adding system for receiving the trigger signal and for receiving the communication signal, the value adding system being configured to determine or receive at least one add-on value that is based on to the deal value, and to accumulate each add-on value for each deal value, and to transfer the accumulated add-on values upon receipt of the communication signal to initiate a donation to a donation system. The owner of the payment system and the owner of the point of sale device can further contribute to a donation that can even be under the control of the client.

Claims

1-17. (canceled)

18. Payment system comprising: a point of sale device for processing a transaction between a dealer and a client, the point of sale device being configured to read a payment ID assigned to the client, and to send out the payment ID and a deal value, and to receive an acknowledgement signal for the transaction; a payment ID system for further processing the transaction, the payment ID system being configured to receive the payment ID and the deal value, and to check the payment on the basis of data accessible by the payment ID system, and in case of a correct data to generate and to submit the acknowledgement signal to the point of sale device, and to generate and submit a trigger signal; a communication system to submit a control signal from and to the client; a value adding system for receiving the trigger signal and for receiving the communication signal, the value adding system being configured to determine or receive an add-on value that is based on to the deal value, and to accumulate each add-on value for each deal value, and to transfer the accumulated add-on values upon receipt of the communication signal to initiate a donation to a donation system.

19. The payment system according to claim 18, wherein the payment ID is comprised by one or a combination of a credit card, a debit card and a contactless payment system.

20. The payment system according to claim 18, wherein the trigger signal generated by the payment ID system and received by the value adding system is configured to identify the add-on value or portions thereof or to initiate the determination of the add-on value and to transfer the add-on value of either or both of the payment ID system and a client account system and to be sent separately or together with the add-on value information.

21. The payment system according to claim 18, wherein a value adding fee can be derived and transferred from the payment ID system to a value adding fee account.

22. The payment system according to claim 21, wherein the value adding fee is a portion of a transfer fee charged by the payment ID system from the deal amount.

23. The payment system according to claim 18, the value adding system further comprising a value adding account for receiving a value according to each add-on value.

24. The payment system according to claim 18, wherein a communication system assists the client to select a donation system via the communication signal.

25. The payment system according to claim 24, wherein the communication system comprises an application (app) and a graphical user interface (GUI) providing the client with one or a combination of a status of the value adding account, a selection of donation systems, all or a portion of the accumulated add-on value to be transferred to the donation systems selected, the submission of the communication signal to the value adding system for the transfer value, the generation of a confirmation sheet of the transfer value to the donation system(s) and/or a news and chat biog.

26. The payment system according to claim 18, the payment system further comprising a client account system, the payment ID system further comprising a payment ID account for receiving a transfer fee according to the deal value, and/or the donation system comprising a donation account for receiving the add-on value, the payment system preferably comprising a point of sale account for receiving the deal value.

27. The payment system according to claim 18, wherein the add-on value is transferred by combination of the payment ID system and the client account system to the value adding system.

28. The payment system according to claim 18, wherein the add-on value is taken from one or a combination of the payment ID account, the client account system and the point of sale account so that the add-on value is derived from the transfer fee for a deal, from the client account system and the deal value or any combination thereof.

29. The payment system according to claim 18, wherein one or a combination of the ID administrator system and the value adding system is configured to determine the add-on value on the basis of the deal value.

30. The payment system according to claim 29, wherein the add-on value is 1% of the deal value.

31. The payment system according to claim 18, wherein the payment system is configured to provide push signals to the client with the status of the value adding account, a preferred selection of donation systems and the news and the chat blog about preferred donation systems depending on the time and other information.

32. The payment system according to claim 18, wherein the payment system is configured to directly or indirectly initiate and manage crowd funding of certain donation systems.

33. The payment system according to claim 18, wherein the communication system can be connected with one or more donation systems to provide further information for a client or more clients.

34. The payment system according to claim 18, further comprising a payment ID account that receives a payment from a client account on the basis of the deal value, wherein the payment ID system controls a payment to a dealer account in the amount of the deal value minus a transaction fee and a payment to the payment ID account in the amount of the transaction fee.

35. A method of payment, particularly with a payment system according to claim 18, with the steps of: (a) processing a transaction between a dealer and a client by a point of sale device and i. reading a payment ID assigned to the client by the point of sale device, and ii. sending out the payment ID and a deal value by the point of sale device, and iii. receiving an acknowledgement signal for the transaction by the point of sale device; (b) further processing the transaction by a payment ID system, iv. receiving the payment ID and the deal value by the payment ID system, and v. to check the payment on the basis of data accessible by the payment ID system, and vi. in case of a correct data generating and submitting the acknowledgement signal to the point of sale device by the payment ID system, and vii. generating and submitting at least a trigger signal by the payment ID system; (c) submitting a control signal from and to the client by a communication system; (d) receiving the trigger signal and receiving the communication signal by a value adding system, viii. one or a combination of determining and receiving an add-on value that is based on to the deal value by the value adding system, and ix. accumulating each acid-on value for each deal value by the value adding system, and x. transferring the accumulated add-on values upon receiving the communication signal to initiate a donation to a donation system by the value adding system.

Description

BRIEF DESCRIPTION OF THE DRAWINGS

[0039] FIG. 1 comprises a schematic sketch of a preferred embodiment of a payment system according to the present invention;

[0040] FIG. 2 is a further preferred embodiment showing a further communication between elements already provided in FIG. 1; and

[0041] FIG. 3 is even a further preferred embodiment showing a further communication between elements already provided in FIG. 1 or FIG. 2.

DESCRIPTION OF EMBODIMENTS

[0042] FIG. 1 schematically depicts an embodiment of the invention. A client or customer 1 is just shown for explanatory purposes and is not embraced by the present invention.

[0043] The client or customer 1 is holding a payment ID 2 that can be of any form as described before and claimed. The payment ID is brought to the point of sale device 10, to its vicinity or entered into a template of a point of sale system 10. The respective payment ID is read out or entered by the client.

[0044] The point of sale device 10 takes this information and other information such as a deal value and possibly further information to a payment ID system 20. This can be a credit card company, PayPal® etc. Such payment ID systems 20 are generally automatically or semi-automatically handling and managing such deals by safeguarding the transfer of money, sometime with further conveniences to customers or clients. Usually they are taking a transfer fee for such a deal. Such transfer fees can be deposited on a payment ID account 21.

[0045] The payment ID system 20 can simultaneously or later communicate with an account system 60 assigned to the client. This usually comprises a client account for money and/or other values such as Bitcoins. In case of communication an exchange of information is performed in order to check the parameters for a certain deal.

[0046] A value adding system 30 can communicate with the client account system 60 and/or the payment ID system 20 and can receive an add-on value from either or both of these systems. This also applies to the respective values to be transferred to the value adding system 30. The values can then be transferred to a value adding account 31 assigned to the value adding system 30. However, alternatively or additionally, the add-on values may be just controlled by the value adding systems 30 and can be transferred to a donation system 40 from the client account system 60 or the payment ID system 20 or an escrow system (not shown).

[0047] A donation account 41 can be assigned to the donation system 40. The donation system 40 can also send information to a communication system 50. The communication system 50 can be hardware/software based and can be the link to the client or customer 1. It can also be connected to any other component of the system and is supposed to allow the client to control the payment system, to obtain information or to receive information from components of the system, e.g. by push-functions. Thus, communication system 50 can also be jointly provided to get information from or to control the client account system 60 and/or the payment ID system 20 (not indicated).

[0048] FIG. 2 shows a structure that can be additionally provided to the one shown in FIG. 1. In particular the payment ID account 21 can also communicate with either of the value adding system 30 or the donation system 40 or both. This is particularly useful in case also a share of the transfer fee is transferred to the donation system 40 directly or via the value adding system 30. In both scenarios the value adding system 30 can control the transferal. As particularly the value adding system 30 can be under the control of the client or customer via the communication system 50, the client may also control donations composed of multiple contributions by himself and the payment system provider. This may advertise and contribute to the benefit of all parties involved, particularly advertising a credit/debit card company.

[0049] FIG. 3 shows another option that can be alternative or additional to the one mentioned before. A further point of sale account 11 can be provided receiving the deal value and possibly collecting all deal values. Either under control of the value adding system 30 or independently the point of sale account 11 can transfer a portion of the add-on value or the whole amount to the value adding system 30 or directly to the donation system 40 or both. As particularly the value adding system can be under the control of the client or customer via the communication system 50, the client may also control donations composed of multiple contributions by himself and the seller or point of sales owner. Again, this may advertise and contribute to the benefit of all parties involved, in this case this can particularly advertise the vending party or point of sales owner.

[0050] A value adding fee can be derived and transferred to a value adding fee account (not shown).

[0051] Whenever a relative term, such as “about”, “substantially” or “approximately” is used in this specification, such a term should also be construed to also include the exact term. That is, e.g., “substantially straight” should be construed to also include “(exactly) straight”.

[0052] Whenever steps were recited in the above or also in the appended claims, it should be noted that the order in which the steps are recited in this text may be the preferred order, but it may not be mandatory to carry out the steps in the recited order. That is, unless otherwise specified or unless clear to the skilled person, the order in which steps are recited may not be mandatory. That is, when the present document states, e.g., that a method comprises steps (A) and (B), this does not necessarily mean that step (A) precedes step (B), but it is also possible that step (A) is performed (at least partly) simultaneously with step (B) or that step (B) precedes step (A). Furthermore, when a step (X) is said to precede another step (Z), this does not imply that there is no step between steps (X) and (Z). That is, step (X) preceding step (Z) encompasses the situation that step (X) is performed directly before step (Z), but also the situation that (X) is performed before one or more steps (Y1), . . . , followed by step (Z). Corresponding considerations apply when terms like “after” or “before” are used.