EA008185B1 - Method for performing off financial transaction (variants) - Google Patents

Abstract

An invention proposes a method of performing payoff financial transaction comprising charge-off a payment sum from the remitter's account and transfer said sum to the remittee, identification of both the remitter and remittee in the center for processing the transaction data and forming a payment document certifying performing the financial transaction and comprising at least an identifier of the financial transaction and said sum. A distinctive feature of the invention is characterized in that the method comprises pre-blocking a payment sum in the amount equal or greater of the charged-off sum at the remitter' account during pre-set period of time, wherein the remitter transmits, using a wireless communication, command for blocking said payment sum to the center of financial transaction's processing, which performs the charge-off the sum before the expire of the pre-set period of time.

Description

FIELD OF THE INVENTION

The present invention relates to the field of payment financial transactions, mainly related to the payment of goods or services provided, by transferring non-cash funds between the accounts of the buyer (sender) and seller (recipient).

State of the art

In connection with the development of electronic means of transmitting information, along with traditional methods of payment for goods (work, services) through banknotes or checks, more and more payments are made by credit and debit plastic cards. At the same time, pre-payment cards (rgerai sagb) were widely used, by acquiring which the consumer is able to pay for the goods (work, services) of a particular seller, for example, mobile communication services, within the pre-paid amount, reporting the identification data of the card. However, the lack of universality in terms of the ability to pay all the goods necessary for the consumer does not allow these payment instruments to fully compete with conventional bank cards.

Wireless means and their identification capabilities that have become generally available since the end of the last century have made it possible to consider solutions for the use of mobile phones and / or laptop computers as a technical means for carrying out payment transactions. An example of such a solution is disclosed in published US application No. 2003/0055675, according to which data on the proposed transaction, including product and seller codes, are transmitted via mobile communication to a processing center that identifies the buyer, for example, by his phone number and directing a message to the phone the buyer with a proposal to confirm the need for the operation. In the case of a positive response from the buyer, containing his personal code, the processing center issues a command to write off the purchase amount from the buyer's account and credit this amount to the seller’s account.

This decision was developed in patent document KP 2002102639, which proposes that the processing center generates a unique transaction identifier that is transmitted to the buyer through the seller. After receiving a request for confirmation of the operation, the buyer enters, along with the personal code, the identifier received, resulting in significantly increased security of the transaction.

Along with the undoubted advantages of these solutions, where, for example, the buyer has the opportunity to choose and pay for goods in print or online catalogs, there are two significant drawbacks. Firstly, the buyer pays for the goods, virtually not having the opportunity to evaluate its quality. Secondly, in some cases, money is transferred, for example, when the goods are delivered by mail or courier, until the receipt of the financial document, that is, the buyer is forced to pay at his own risk, relying only on the decency of the sellers.

SUMMARY OF THE INVENTION

The invention aims to eliminate the disadvantages described above, namely, to provide the ability to verify the quality of the goods and the corresponding reduction in their cost as agreed by the parties, as well as to increase the security of the financial transaction, while leaving all the advantages presented to the buyer through the use of wireless communications.

In the process of creating the invention, it was realized that in order to solve the problem before making a purchase, it was enough to first block (reserve) on the sender's account of the funds (buyer) opened in a financial institution an amount corresponding to the declared value of the goods (work, service). The command to block the amount of money is transmitted by the sender (seller) using wireless means, for example a mobile phone, to the financial processing center, which identifies the sender, for example, by his phone number, and the recipient of money (seller) and writes off the specified amount no later than the expiration of a specified period of time for crediting to the account of the recipient. In this case, the buyer has a set time in order to properly assess the quality of the goods according to external signs and / or test it in action to detect hidden defects. At the same time, the seller receives the guarantee of subsequent payment he needs.

Alternatively, when the quality of the goods for some reason does not suit the buyer, he can contact the seller’s representative to discuss a possible cost reduction, and, if an agreement is reached, an amount less than the blocked amount is debited from the buyer's account.

After the funds are blocked, a payment document is generated, for example, in paper form in the form of a cash or sales receipt, invoice or in electronic format, on which the identifier of the financial transaction is affixed. It is clear that the amount can be debited by the financial operations processing center before the specified period of time has elapsed, for example, when the seller sends the appropriate command to the financial processing center, and the buyer, having ascertained the quality of the goods or the service provided, sends a confirmation command, which includes financial transaction identifier and customer ΡΙΝ code.

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In the described embodiment, the reliability of the operation is guaranteed by the presence of a financial document with the buyer received before the actual debiting of funds from his account.

To write off funds, only the sender’s message containing the financial transaction identifier and the sender ΡΙΝ code may be sufficient.

To ensure additional security when blocking funds, the financial operations processing center first asks the sender to confirm the blocking through a dialogue implemented in the form of short υδδΌ sessions, or through voice requests and responses in в format, or messages in electronic format sent over a computer network . The command to block the amount of money is preferably a final υδδΌ message of the specified dialogue containing the sender ΡΙΝ code. Such a precautionary measure precludes the possibility of using a mobile communication device by unauthorized persons to pay for goods or services.

The invention also provides the simplest option for a financial transaction, when the amount is debited automatically after a specified period of time. In this case, there is no need for any additional actions of the buyer and seller after blocking funds.

In a preferred embodiment, a preliminary payment document is generated containing the identifier of the financial transaction and the amount of the blocked amount. If the cost of goods is revised, then this document is subject to cancellation, and a new document is formed with affixing the amount to be debited.

In the case of delivery of goods by courier, the amount debited is stamped in the payment document after delivery of the goods to the buyer.

The transfer of the command to block the amount of money is preferably carried out within one short υδδΌ-session. This ensures the speed and simplicity of the transaction, unloading the schedule of the mobile operator, the ability to repeat the last information transaction in the framework of the dialogue with the system.

It should be noted that a financial transaction in the context of this application is not limited to the payment of goods transferred by the cash recipient to the sender of funds, or services provided by the cash recipient to the sender of funds, but includes, for example, utility bills and any other types of cashless transactions , including money transfers. The goods may be offered for sale in stores, including electronic ones, kiosks, vending machines, catalogs or in other ways, for example, through advertising in the media. When issuing a command to block money, it will be enough for the buyer to transfer the identifiers of a specific product and trading organization to the financial processing center.

List of drawings

Other features and advantages of the present invention will become apparent from the following description, which contains references to the accompanying drawings, which illustrate an embodiment of the invention without any limitation. In the drawings of FIG. 1 shows a system for implementing a method in accordance with an embodiment of the invention;

FIG. 2 shows a diagram of the interaction of participants in a financial transaction according to the invention;

FIG. 3 depicts a block diagram of a payment transaction processing center.

Information confirming the possibility of carrying out the invention

In the description below, an embodiment is considered in which the transfer of funds from the sender's account to the recipient's account is payment for goods purchased by the sender. However, it should be obvious to a person skilled in the art that other types of financial transactions, such as non-trading money transfers, can be carried out in a similar way.

In FIG. 1 shows a system that implements the method according to the invention. The system includes at least one sender of funds, hereinafter referred to as the buyer, at least one recipient of funds, hereinafter referred to as the seller, a wireless network, a data network, wired or wireless, a financial transaction or payment transaction processing center (CTC), a processing center that provides maintenance of payment instruments, such as debit and credit cards, as well as at least one financial institution, hereinafter referred to as the bank.

As a wireless network, networks of the Οδ сотов standard, CEMA, or other cellular networks serviced by cellular operators can be used. As a data network, the Internet can be used.

In accordance with an embodiment of the invention, the buyer selects a product from those offered by the seller. The choice can be made directly in the seller’s store, or

- 2 008185 but - according to the catalog, in the online store, etc. Having selected the necessary goods, the buyer reports the list and quantity of goods to the seller.

Upon receipt of the above information from the buyer, the seller generates a unique purchase code, including at least the seller’s identifier, and reports this code to the buyer. When making a purchase remotely, this unique code can be communicated to the buyer by phone, including an 8M8 message, via the Internet, etc. The buyer through his mobile phone transmits a unique purchase code to the payment transaction processing center.

Based on the information received, the payment transaction processing center performs the following actions:

identifies the seller based on information about the individual profile of the seller stored in the sellers database;

identifies the buyer on the basis of information about the phone number of the buyer received from the mobile operator and information about the individual profile of the client stored in the customer database;

asks the seller for the payment amount according to the unique purchase code entered by the buyer, and the request can be made wirelessly or via a data network.

Upon receiving a request from the payment transaction processing center, the seller checks the purchase code. If the purchase code is correct, the seller transfers the purchase code and payment amount to the payment transaction processing center. If the purchase code is incorrect, the seller sends an error code to the payment transaction processing center.

If the payment transaction processing center receives an error code from the seller, the payment operation is terminated and the buyer is notified. Otherwise, the payment transaction processing center performs initial authorization of payment for the goods in accordance with the individual profile of the buyer stored in the customer database.

If the transaction cannot be paid, the payment transaction processing center transmits the relevant information about the impossibility of the transaction of payment for the goods to the seller and the buyer. Otherwise, the CAPT transmits a message to the buyer's mobile phone containing brief information about the transaction: transaction amount, seller ID, date and time, and asks the buyer for consent to complete the payment for the goods.

In a preferred embodiment of the invention, messages are transferred between the CEPT and the buyer by means of S88I-sessions (unprofitable, secure, unlimited, unstructured data transmission technology in S8M networks). I88I is a bidirectional session transfer service of unstructured data of additional services, implemented in networks of standard C8M. This service provides high-speed exchange of information between the subscriber and the service application in real time. The exchange is made through the signaling channel without creating additional load on the voice channels.

In another preferred embodiment of the invention, the communication between the CEPT and the buyer is carried out by means of voice requests and replies in ITME format (ITME, IIA Tope MiShrye Egeciepsu 1ope§, double-tone signals of different frequencies).

Having received a request from the CAPT, the buyer, with the consent to pay for the goods, enters his individual payment code, hereinafter referred to as ΡΙΝ. This code is known only to the buyer and is reported to him during registration in the payment system or can be changed by him in accordance with the known procedure, including remotely, any number of times. In case of refusal to pay for the goods, the buyer enters the refusal symbol on his mobile phone.

If the buyer refuses to pay for the goods, the CTC sends the appropriate messages to the seller and the buyer and stops the process of payment for the goods. In the case when the buyer entered в registered in the buyer’s profile, which means the buyer agrees to pay for the goods, the CTC sends a request to block the amount due for payment to the financial institution. If the buyer has entered не not registered in the buyer’s profile, then the TSOP enters the relevant information in the buyer’s profile and, if the ΡΙΝ is incorrect, entered three times, blocks the buyer’s operations in the payment system and transmits the relevant information about the impossibility of the goods being paid to the seller and the buyer.

Upon receipt of a request for payment authorization, the financial institution of the buyer authorizes the payment amount, that is, reserves and blocks funds on the client’s account based on information from the payment transaction processing center (payment amount and client’s account number generated from the information in the client’s profile), and then sends to the payment transaction processing center, information on payment authorization, in particular, the transaction identifier and payment amount, and if it is not possible to make a payment on the specified account, the reason for appeared in the payment authorization.

Upon receipt of information from the financial institution of the buyer about the possibility of conducting a cashless payment transaction, the payment transaction processing center performs the following actions:

- 3 008185 sends a message to the client about the payment transaction: amount, date, time, transaction ID;

sends a message to the seller about the payment transaction: amount, date, time, transaction ID;

generates documents necessary for the transfer of funds from the buyer to the seller, and transfers them to the financial institution of the buyer to transfer funds to the seller’s account.

If it is impossible to conduct a non-cash payment of goods, the payment transaction processing center performs the following actions:

sends a message to the seller about the impossibility of paying for the goods by bank transfer;

sends a message to the buyer about the impossibility of paying for the goods by bank transfer, indicating the reason for the refusal of cashless payment.

Thus, the amount required to pay for the goods is blocked on the buyer's account. On the one hand, this guarantees the seller the ability of the buyer to pay for the goods even after a certain period of time. This is necessary, for example, in the case of ordering goods in an online store with subsequent delivery. Since the required amount is blocked on the buyer's account, the buyer will be able to pay for the goods within a specified period of time.

On the other hand, pre-blocking the payment amount has advantages for the buyer compared to the pre-payment currently widely used. For example, in case of non-delivery of goods within the specified time period or unsatisfactory quality of the delivered goods, the buyer can return the goods to the seller and give the command to cancel the write-off of the blocked amount from the account.

Next, an embodiment will be considered in which the seller delivers the goods to the buyer.

In the case of receiving information about the blocking of funds in the buyer's account with the financial institution of the buyer, the seller transfers the goods to the goods deliveryman, who delivers the goods in accordance with the terms of the purchase. The goods seller has a mobile phone or a mobile sales device — a mobile sales terminal registered in the database of a payment transaction processing center.

After delivery of the goods, the buyer inspects the goods and confirms the fact of the acquisition of this product. In one embodiment, the amount blocked on the buyer's account will be automatically debited after the set time.

In another embodiment, after the buyer confirms the fact of the purchase of the goods, the seller sends a command to the CTC to write off the blocked funds from the buyer’s account. Upon receipt of such a command, the CTC sends a request to the buyer for confirmation of information from the goods seller (on confirmation of the payment transaction from the buyer’s account in the financial institution of the buyer for the corresponding operation): amount, date, time, transaction identifier, seller’s pseudonym. If agreed, the buyer sends a message containing the ΡΙΝ of the buyer to the Center.

In another embodiment, after inspecting the goods, the buyer and the seller agree on the amount of payment, which can be reduced due to inadequate quality of the goods, delivery delays, etc. In this case, the supplier transmits a command to write off the funds to the CTC, which includes the new amount. In this embodiment, the TEC after receiving such a command asks for confirmation from the buyer, as described above.

The payment transaction processing center, after the set time has passed, upon receipt of a command from the seller or upon receipt of a command from the buyer containing ΡΙΝ the buyer, performs the following actions:

sends a request to the buyer's financial institution to unblock and write off the corresponding amount from the buyer's account, and in case the buyer refuses to buy, to remove the block from the amount of money reserved for this purchase, for the corresponding operation: amount, date, time, transaction identifier of the financial institution , date of blocking, time of blocking;

sends a message to the seller following the results of the operation;

generates documents necessary for transferring funds from the buyer to the seller or unlocking funds and transfers them to the financial institution of the buyer.

If it is impossible to conduct a non-cash payment operation for goods for other reasons, the Center shall carry out the following actions:

sends the seller a message about the non-payment of goods by bank transfer;

sends the buyer a message about the non-payment of goods by bank transfer indicating the reason for the denial of non-cash payment.

The buyer’s financial institution, upon receipt of documents for the transfer of funds to the seller’s account, performs the following actions:

generates internal documents for the transfer of funds or unlocks a known amount in the buyer's account;

transfers money from the client’s account to the seller’s account.

In FIG. 2 shows a diagram of the interaction of all participants in the above process.

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In FIG. 3 is a structural diagram of a payment transaction processing center (CTC). CAPT includes, among others, a database of profiles of sellers and customers, a database of ΡΙΝ codes. The CAPT is connected to the wireless network through a communication server with mobile operators, as well as to a data network through a communication server.

For a person skilled in the art it is clear that during the implementation of the invention, various changes and modifications are possible without going beyond the scope of protection that is defined in the claims.

Claims (18)

CLAIM 1. The method of making a payment financial transaction, including debiting the amount of money from the account of the sender of funds and crediting the specified amount to the account of the recipient of funds, identifying the sender and recipient in the financial processing center and generating a payment document certifying the fact of the financial transaction and containing, by at least the transaction identifier and the indicated amount, characterized in that it includes preliminary blocking on the sender's account during the established about the time period of the specified amount of money, and the sender sends, using wireless communications, a command to block the amount of money to the financial processing center, which writes off the specified amount no later than the expiration of the specified time period. 2. The method according to claim 1, characterized in that the financial operations processing center writes off the indicated amount of money from the sender’s account upon receipt of the corresponding command from the recipient and after receiving the sender confirmation command containing the financial transaction identifier and the sender код-code. 3. A method of making a payment financial transaction, including debiting the first amount of money from the account of the sender of funds and crediting the specified first amount to the account of the recipient of funds, identifying the sender and recipient in the financial processing center and generating a payment document certifying the fact of the financial transaction and containing at least the transaction identifier and the indicated first amount, characterized in that it includes preliminary blocking on the sender's account in t the expiration of a specified period of time of the second sum of money, the size of which is at least equal to the size of the first sum of money, and the sender sends, using wireless means, a command to block the second sum of money to the financial processing center, which writes off the first sum of money no later than the expiration set time period. 4. The method according to claim 3, characterized in that the financial transaction processing center deducts the first money amount from the sender’s account upon receipt of the corresponding recipient command and after receiving the sender confirmation command containing the financial transaction identifier and the sender ΡΙΝ code. 5. The method according to claim 1 or 3, characterized in that the financial operations processing center asks the sender about the need to confirm blocking by means of a dialogue implemented in the form of short υδδΌ-sessions, or by voice requests and responses in ΌΤΜΡ-format, or messages in electronic format sent over a computer network. 6. The method according to claim 5, characterized in that the command to block the amount of money is the final υδδΌ message of the specified dialogue containing the sender ΡΙΝ code. 7. The method according to claim 1 or 3, characterized in that the withdrawal of the amount of money is carried out after receiving a message from the sender containing the identifier of the financial transaction and the S-code of the sender. 8. The method according to claim 1, characterized in that the amount is debited automatically after a specified period of time. 9. The method according to claim 3, characterized in that the first amount is equal to the second amount, and the first amount is debited automatically after a specified period of time. 10. The method according to claim 3, characterized in that the second amount exceeds the first amount and form a preliminary payment document containing the identifier of the financial transaction and the specified second amount. 11. The method according to claim 1 or 3, characterized in that the transfer of the command to block the amount of money is carried out within one short υδδΌ-session. 12. The method according to claim 1, characterized in that the financial transaction is the payment of goods transferred by the recipient of funds to the sender of funds, or a service provided by the recipient of funds to the sender of funds. 13. The method according to claim 3, characterized in that the financial transaction is a payment for goods transferred by the recipient of funds to the sender of funds. 14. The method according to claim 3, characterized in that the financial transaction is a payment for a service provided by the recipient of funds to the sender of funds. - 5 008185 15. The method according to π. 13, characterized in that the size of the specified first amount is affixed in the payment document after the transfer of goods by the recipient of funds to the sender of funds. 16. The method according to one of the preceding paragraphs, characterized in that said payment document is a paper document. 17 The method according to one of pi. 1-15, characterized in that the said payment document is an electronic document. 18. The method according to one of the preceding paragraphs, characterized in that the said wireless means are mobile phones.