SYSTEM AND TREATMENT PROCESS OF A FINANCIAL TRANSACTION
The invention relates to a system and treatment process of a bank reimbursement transaction of a user of the system having made a first bank expense transaction for a company ( 30 ). The invention relates to a secure and completely dematerialised treatment system for expense claims. It comprises payment means ( 14 ) for making a first bank transaction and means for creating the expense claim 15, 16 ). The system ensures security of the bank data in the treatment process of the expense claim.
1 . A system for treatment of a financial document, for example an expense claim, by an establishment associated with execution of a first bank transaction and enabling the execution of a second transaction, said system comprising a mobile device user comprising on-board payment means for ordering the first bank transaction, said bank transaction procuring financial data, characterised in that:
the mobile device also comprises means for creating a financial document containing at least said financial data and a communications interface for transmitting the financial document,
and in that the system also comprises a communications interface of the establishment connected to means allowing the establishment to treat the financial document for ordering the second bank transaction as a function of said financial data.
2 . The system as claimed in claim 1 , characterised in that the first bank transaction is executed from a first bank account to a second bank account and the second bank transaction is executed from a third bank account to the first bank account.
3 . The system as claimed in claim 2 , characterised in that the second bank transaction is a reimbursement transaction of the user, the first bank account belonging to the user ordering the first bank transaction and the third bank account belonging to the establishment.
4 . The system as claimed in claim 1 , characterised in that the mobile device and the establishment also comprise cryptography means such that the data exchanged between the communications interfaces of the mobile and of the establishment are secure.
5 . The system as claimed in claim 4 , characterised in that the cryptography means, the creation means of the financial document of the mobile device and the treatment means of the establishment are arranged such that the financial document is encrypted in the mobile device by means of a first cryptographic key, and is decrypted within the establishment by a second cryptographic key for transmitting the execution order of the second bank transaction from financial data of the financial document.
6 . The system as claimed in claim 5 , characterised in that the cryptographic key is exchanged between the mobile device and the establishment by the communications interfaces of the mobile and of the establishment.
7 . The system as claimed in claim 5 , characterised in that the cryptographic key is a datum exchanged in an initialisation bank transaction, prior to the first transaction, and made between the communications interfaces.
8 . The system as claimed in claim 1 characterised in that the computer treatment means comprise a data server for recording the financial document and a computer program for presenting the financial document recorded on the data server to a validation authority for authorising the second bank transaction.
9 . The system as claimed in claim 1 , characterised in that the communications interfaces of the mobile device and of the establishment are short-distance communications means, for example of NFC type.
10 . A mobile device comprising a communications interface and a smart card comprising a memory and a processor for executing instructions, the smart card and the communications interface being configured for executing a first computer program of a payment application for ordering a first bank transaction, said first bank transaction procuring financial data, characterised in that the mobile device also comprises means for creating a financial document, for example an expense claim, for ordering a second bank transaction as a function of said financial data.
11 . The device as claimed in claim 10 , characterised in that the means for creating the financial document comprise a second computer program for ordering the creation of the financial document and a third computer program for creating the financial document and for recording the financial document in the memory.
12 . The device as claimed in claim 10 , characterised in that the first and the third computer program are hosted on the smart card.
13 . The mobile device as claimed in claim 10 , characterised in that the second computer program controls the mobile device such that the mobile device is used as interface with the user for ordering the creation of the financial document.
14 . A treatment process for a financial document by an establishment, for example an expense claim, characterised in that it comprises the following successive steps:
Execution of a first bank transaction by means of a payment application, said bank transaction being executed from a first bank account to a second bank account and procuring financial data,
Presentation to the user by means of an interface of the mobile device of an application for creation of a financial document linked to the first bank transaction,
Transmission of financial data from the payment application to a application for creation of the financial document hosted on the mobile device,
Recording of the financial document from financial data in a memory of the mobile device,
Transmission of the financial document to a data server of the establishment accessible by a validation entity authorised to give the execution order of a second bank transaction relative to the first bank transaction,
Execution of the second bank transaction from a third bank account to the first bank account after receipt of the execution order of the validation authority of the establishment.
15 . A process as claimed in claim 14 , characterised in that it also comprises a step for execution of an initial bank transaction between the first and the third bank account, prior to the first bank transaction, for generating a cryptography key for securing data exchanges between the mobile device and the establishment.