Method for processing a recurring transaction, corresponding device and program

Patent metadata

Field	Value
Publication number	US-11182765-B2
Application number	US-201515505652-A
Country	US
Kind code	B2
Filing date	Sep 2, 2015
Priority date	Sep 2, 2014
Publication date	Nov 23, 2021
Grant date	Nov 23, 2021

Abstract

The invention relates to a method for processing a recurring transaction for access to a good or to a service by a transactional processing device (DTT), the method comprising an initial step for obtaining a piece of data representing a processing instruction (iTrR) for processing a recurring transaction (TrR), the method being characterized in that it comprises:a step (100) for transmitting a message (Msg) of interrogation of a given type, said message (Msg) comprising at least one piece of identification data (Id) for identifying said recurring transaction, to a terminal (TermU) of a user having previously taken out a subscription for said good or said service;a step (110) for inserting said recurring transaction into a deferred processing database (BT-TD);transactional processing (120), depending on the occurrence of at least one of the following events:reception (130) of a message (Msg2) from said terminal (TermU) of said user;expiry of the deadline for carrying out said recurring transaction (140).

First claim

The invention claimed is:

1. Method for processing a recurring transaction for access to a good or to a service, the method being implemented within a processing server connected to a terminal of a user, the method comprising an initial obtaining, by said processing server, of a piece of data representing a processing instruction for processing the recurring transaction, wherein the method comprises:
a secured processor of said processing server inserting said recurring transaction into a deferred processing database, together with a message type and a deadline for implementing said transaction, said message type indicating either tacit acceptance of the recurrinq transaction or tacit rejection of the recurring transaction;
the secured processor of said processing server computing a probable due date of said transaction as a function of a transactional profile of said user of said terminal or of a provider of said good or said service;
the secured processor of said processing server computing an advance deadline by anticipating said probable due date by a pre-determined number of days;
the secured processor of said processing server transmitting, through a communication interface, at said advance deadline, a message to the terminal of the user having previously subscribed for said good or said service, said message comprising at least one piece of identification data for identifying said recurring transaction, and corresponding to said message type; and
the secured processor of said processing server triggering, after an expiry of a deadline for the user to respond to said message and before said probable due date, a notification to said provider of said good or service that said recurring transaction is rejected by the user if said message type indicates tacit rejection of the recurring transaction in order to cancel the access to the good or the service, or a confirmation transmitted to the terminal of the user of a performance of the recurring transaction if said message type indicates tacit acceptance of said recurring transaction, and a recording of said rejection of, or said performance of, the recurring transaction in a database of said processing server.

2. The method according to claim 1 , wherein said recurring transaction is a financial transaction.

3. The method according to claim 1 , wherein a prior subscription to said good or said service has been performed online by using a bankcard.

4. The method according to claim 1 , wherein computing a probable due date of said transaction comprises:
identifying, within a database, transactions coming from a provider of said good or said service of an identical amount in order to determine their periodicity.

5. A processing server for processing a recurring transaction for access to a good or to a service comprising means for obtaining a piece of data representing an instruction for processing the recurring transaction, the processing server being connected to a terminal of a user and comprising a secured processor for:
inserting said recurring transaction into a deferred processing database, together with a message type and a deadline for implementing said transaction, said message type indicating either tacit acceptance of the recurring transaction or tacit rejection of the recurring transaction;
computing a probable due date of said transaction as a function of a transactional profile of said user of said terminal or of a provider of said good or said service;
computing an advance deadline by anticipating said probable due date by a pre-determined number of days;
transmitting through a communication interface, at said advance deadline, a message to the user of the terminal who has previously subscribed for said good or said service said message comprising at least one piece of identification data for identifying said recurring transaction and corresponding to said message type; and
triggering, after an expiry of a deadline for the user to respond to said message and before said probable due date, a notification to said provider of said good or said service that said recurring transaction is rejected by the user if said message type indicates tacit rejection of the recurring transaction in order to cancel the access to the good or the service, or a confirmation transmitted to the terminal of the user of a performance of the recurring transaction if said message type indicates tacit acceptance of said recurring transaction, and a recording of said rejection of, or said performance of, the recurring transaction in a database of said processing server.

6. A non-transitory computer-readable medium comprising program code instructions stored thereon to perform a method of processing a recurring transaction for access to a good or to a service when the program is executed by a secured processor, wherein the method comprises:
the secured processor inserting said recurring transaction into a deferred processing database together with a message type and a deadline for implementing said transaction, said message type indicating either tacit acceptance of the recurring transaction or tacit rejection of the recurring transaction;
the secured processor computing a probable due date of said transaction as a function of a transactional profile of a user of a terminal or of a provider of a good or service;
the secured processor computing an advance deadline by anticipating said probable due date by a pre-determined number of days;
the secured processor transmitting, through a communication interface, at said advance deadline, a message to the terminal of the user having previously subscribed for said good or said service, said message comprising at least one piece of identification data for identifying said recurring transaction, and corresponding to said message type; and
the secured processor triggering, after an expiry of a deadline for the user to respond to said message and before said probable due date, a notification to said provider of said good or service that said recurring transaction is rejected by the user if said message type indicates tacit rejection of the recurring transaction in order to cancel the access to the good or the service, or a confirmation transmitted to the terminal of the user of a performance of the recurring transaction if said message type indicates tacit acceptance of said recurring transaction, and a recording of said rejection in a database.

Assignees

• Ingenico Group

Inventors

• Quentin Pierre

Classifications

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/22 Primary

  Payment schemes or models · CPC title