LT5324B - Method and system for identifying a customer solvency and for carrying out a cashless settlement - Google Patents

Abstract

The inventive method consists in forming a second personal code which is additional to a first code and in recording said second personal code at least in the memory of an authenticity confirmation centre. The second personal code being reproduced according to the identification of the first personal code with the aid of a personal mobile communication means, the reading and identification thereof is carried out. The inventive system for identifying a customer solvency and for carrying out a cashless settlement using said identification method is also disclosed.

Description

The present invention relates to the creation of a control system, namely, methods of identifying an entity using modern technical means and software. The articulated method enables the entity to be identified quickly, reliably, with good protection, particularly through the use of modern mobile communications.

The invention also relates to systems for executing non-cash financial transactions in determining a customer's solvency and can be used to determine a customer's solvency in cashless payments for purchased goods and / or services within a trading and / or service organization.

Nowadays, there is a growing trend towards the storage, storage, consumption and processing of a wide variety of information in electronic form. At the same time, there is a gradual displacement of information traditionally on paper. The replacement of paper media by electronic media has also reached areas where high information protection and / or high reliability of information is required. Mention may be made, for example, of personal identification and identification, where various paper permits and identity cards are gradually replaced by electronic systems that identify information about individual immutable physical features of the subject (fingerprints, iris, voice characteristics) by scanning and comparing with information previously stored in the electronic database. on the relevant attributes of that entity. Various means of identification, including customer solvency determination, are also widely used by an entity for non-cash payments, electronic bank cards and the like.

In this context, it should be noted that the use of various types of credit cards as a means of payment for non-cash payments is gaining popularity worldwide. Converting traditional paper money to electronic (magnetic) is very convenient for both the consumer and the person servicing the financial transaction, both because of the ease of payment with "electronic money" and because of the high level of protection and reliability of such payment instruments. At the same time, credit cards can be lost or stolen due to their small size, and unauthorized use can be avoided altogether, particularly as the number of cases of counterfeiting of such payment instruments has increased in recent years.

Recently, electronic cashless payment systems using personal computers connected to a communication network have become increasingly popular. However, such systems are, as a rule, stationary and offer the possibility of non-cash payment only for an insufficiently wide range of goods and / or services. As a result, there is a real need to include mobile devices in these systems and to expand the range of goods and services that can be paid for in a non-cash system.

Known Customer Identification Method for Cashless Financial Operations in a system having a client personal wireless device with a unique identifier that transfers information through a communication device identification unit to a processing center for processing all incoming requests, generating responses and securing bank and credit managing the network of institutions (RU 20980 UI, published 10-12-2001). In the manner used in this system, identification is accomplished by transmitting the client's wireless personal device code through a dedicated identification unit of the personal wireless devices in use to the processing center. The PIN for the client's wireless personal device is used in this case. However, this method is only for identifying the customer "from the party" accepting the request, in this case, credit and banking institutions, but this is not always convenient. In addition, the mere use of a PIN as an identification code also significantly limits the scope of use of this method of identification. This method allows the entity to be identified only as a subscriber, customer, etc., but not as an individual.

The customer solvency and non-cash payment execution system used to implement the method described above comprises at least one customer wireless device provided as a customer personal wireless device with a personal identification code (PIN), a means for generating a service request, provided at least a data entry keypad, a PIN entry keypad and an outgoing communication device, a primary cellular subscriber identity center, provided as a communication device identification unit in use, and a process vendor center for verifying the authenticity of all incoming requests, including a central processing unit having a vendor identifier a data processing, transaction processing, data processing and similar programs, and a bank process center that processes all incoming requests, responds, and guarantees bank and credit ito network management. In this system, non-cash payment is made on the basis of a respective financial transaction request, authenticated by the client's wireless personal device code transfer and identification through a dedicated unit for the use of wireless personal devices to the processing center. In this case, the PIN of the client's wireless personal device is used. Unfortunately, this system is designed for non-cash financial transactions only when there is no "physical seller", i.e. the seller is one of the terminals of the communication network. In addition, the system is virtually inoperative, at least difficult to realize by actually purchasing the product and / or service in a trade and / or service organization at the same time and paying. In addition, the use of a single buyer identification code generating a request for the execution of a financial transaction in this system may lead to unauthorized transmission of information. Moreover, since the system does not actually have a "physical seller", there is a reasonably long time between the execution of the non-cash payment and the actual receipt of the good and / or service, which is not always convenient for the buyer. The system described is the closest to the declared system in terms of a set of essential features.

The closest to the claimed method of authentication is the method of identification (authentication) of a communications terminal user or group of users (RU 99119888 A, published 08/27/2001). The method includes generating biometric codes based on the recording and processing of video information about the physical attributes of the user or user group, storing the biometric codes in the server database and the user or user group SIM card, generating authentication request by inserting the SIM card into the communication terminal and video sensor. recording relevant video information about at least one physical attribute of the user, and identifying the user or group of users by comparing at least one biometric code derived from the actual video information with at least one biometric code stored on the server.

The method described above allows very reliable identification (authentication) of the user or group of users. But despite the use of modern technology tools and software, it, like the one described above, also has a fairly narrow scope, for example, it is difficult to realize using mobile devices as terminals. In this way, identification is also done only from the receiving side. In addition, the realization of the proposed method is expensive enough.

However, nowadays there are many situations where, for example, the subject must be identified directly in his location, i.e. the appropriate identification code and means of identification shall be available and the method shall be realized, where necessary, both at the remote center and at the physical location of the subject.

For example, one of these situations may be the determination of the buyer's solvency when making a non-cash payment.

Thus, it is an object of the present invention to provide a highly reliable and highly effective method of identification as well as an identification system for identifying, for example, a purchaser's solvency when cashless settling using a purchaser's mobile device to provide a high level of protection against unauthorized access.

In addition, this method of identification must have a wider range of possible applications, be more reliable, less expensive, have a higher identification speed, and the system must guarantee the execution of the money-for-goods / service transaction in the shortest time and simpler the procedure for obtaining service and receipt of the buyer's solvency.

This problem is solved by a proposed method of identification, which includes code generation and code entry into the authentication center memory and the personal mobile device memory, the creation of at least one communication channel between the authentication center and the personal mobile device generating an authentication request from the personal mobile device. and transmitting said communication means to said authentication center via said communication channel and code identification, further forming a second personal code writes a second personal code at least into the memory of the authentication center, retrieves the second personal code via personal mobile communication means and retrieves and identifies second personal code.

In one embodiment, the second personal code is stored in the memory of the authentication center and in the memory of the personal mobile communication device.

In one preferred embodiment of the invention, the second personal code is reproduced in the form of an acoustic radiation having a frequency of 16 Hz to 1 · 10 ⁹ Hz.

In another preferred embodiment of the invention, the second personal code is reproduced in the form of optical radiation. In addition, it is best to reproduce the second personal code in the form of radiation having a wavelength of 3.8 · 10 ' ⁷ m to 1 · 10' ² m, such as radiation having a wavelength of 7.7 · 10 ' ⁷ m to 1 · 10 ' ² m, or in the form of radiation having a wavelength between 3,8 · 10' ⁷ m and 7,7 · 10 ' ⁷ m.

In the event that the second personal code is reproduced by radiation of wavelength from

3.8 · 10 ’ ⁷ m to 7.7 · 10’ ⁷ m, in the form of visible light, the code is then reproduced on the display of a personal mobile communication device, preferably in the form of a graphical code.

In various embodiments of the invention, bar codes, fingerprints, and electron photography may be used as the graphic code, depending on the identification purposes. It should also be borne in mind that these forms of graphic code are desirable, but not restrictive, within the scope of the proposed method, since they have now become widely used by subjects, including barcodes or electronic photography, as well as various types of objects, for identification purposes.

The second personal code can be restored indefinitely and for a set time interval of 5.

This problem is also addressed by the proposed system for determining the buyer's solvency by cashless payment, comprising at least one of the buyer's personal mobile devices interacting over a communication network, a service request generator, a mobile network subscriber's source code authentication center, a bank processor and a buyer processor for processing the request, and the system additionally includes a buyer personal code simulator and a buyer personal code identifier, a service request generator as an information input device connected to the buyer's personal mobile device, the communication device has a visualization of the buyer's personal code, and the buyer's process center has an appropriate means of scanning and identifying the buyer's personal code and has the ability to process a customer service request based on the results of the identification of the mobile subscriber's source code and the buyer's personal code.

In a preferred embodiment of the invention, the buyer's personal code simulator is designed as a bar code simulator, such as EAN-13, and is located, for example, in a bank's processing center.

In other embodiments of the invention, the buyer's personal code simulator may be located at the buyer's personal mobile device or at the bank's processing center and at the customer's personal mobile device simultaneously.

In a preferred embodiment of the invention, the customer's personal code identifier is located at the bank's process center.

The buyer's personal code visualizer is designed, for example, as a buyer's personal mobile display that has the ability to reproduce textual-graphic information, preferably a bar code.

In addition, in a preferred embodiment of the invention, the means for acquiring and identifying a customer's personal code is designed as a scanner capable of retrieving and identifying textual-graphic information, preferably a bar code.

In various embodiments of the invention, the buyer's personal mobile communication device may be designed with the capability of visualizing the buyer's personal code, both indefinitely and for a predetermined time interval.

From the author's point of view, even a high-level expert in the field is aware of his proposed solution for splitting and entering code information functions as a complement to a known and traditional mobile PIN for communication network subscriber identification, a second personal code for use in a known customer solvency identification system. the customer's personal code, which may be reproduced in acoustic or optical radiation, such as visible and / or infrared personal mobile communication technology, or, in the case of a proposed system, in the form of text-graph information such as a bar code , preferably the EAN-13 code or its fully compliant Category 13 UPC code, used in the US and Canada, to be scanned and identified at any time, anywhere, by requesting a communication link to a certain authentication center and upon receipt of the request authentication. The proposed principle, as the basis for the method of identification, guarantees the possibility of using the method of identification for a variety of purposes, such as cashless payment systems in the customer's solvency identification systems. It also expands the capabilities of personal mobile devices and adds new features: ID card (passport, passport, etc.), a means of payment similar to bank credit cards, and many more.

In addition, the implementation of the proposed method and system will not be a concern at the state of the art in the development of communication media, including electronic communications network software, various types of code-reproducible optical, including visible, radiation, scanning and identification devices, The most convenient and convenient way of realizing a non-cash payment system of the proposed buyer solvency system within the existing hardware and software base is to create a second personal code (buyer's personal code) in the form of a barcode identified as most suitable within the scope of this invention. However, this does not exclude the possibility of implementing the buyer's personal code in other forms of visualization, and this should be apparent to one skilled in the art.

It is also necessary to consider that the proposed method and system identification is carried out reliably and coded information, as well as a visual or other human ₇ EN 5324 B sensory organs are not accepted forms of information, playback option only by owner request many times increases the coded information protection.

It is also important that these method and system offer many options for storing code information (second personal code - buyer's personal code). The following places where you enter your second personal code may be mentioned:

personal mobile device SIM card (with default recovery lock, without obtaining the appropriate authentication from the appropriate authentication center);

- any SIM card simulator, including network operator;

- Authorized organization selected for identification purposes, such as credit and banking institutions (customer / owner billing and other accounts and banking operations based on those accounts, such as bank process center databases) MI offices (automated "passport tables" , various specialized databases), various other institutions, such as regime agencies (automated databases of personnel, persons with access rights in the office, etc.).

- a combination of the various locations listed above.

In addition, the second personal code (buyer's personal code) entry on the personal mobile device SIM card is defined as "personal mobile device memory entry", and all other mentioned entry locations are identified as "authentication center memory".

From the viewpoint of the author, it is not obvious even to a person skilled in the art that his proposed solution for the division and introduction of code information functions into additionally known and traditional mobile PIN (within the scope of the present invention - the primary mobile network subscriber code) a center solely for the purpose of identifying the subscriber of the communication network in the most appropriate embodiments of the customer's personal code, which, as mentioned above, may be reproduced on the customer's mobile display screen in textual-graphic information, preferably EAN-13 or category UPC code used in the US and Canada. Such a form of buyer personal code is most convenient and accessible for implementation, including within the existing hardware and software base, and is stated to be most appropriate within the scope of the present invention. However, this does not exclude the possibility of implementing the buyer's personal code in other forms of visualization, and this should be apparent to one skilled in the art.

Generally, the method of identification is done in this way.

The Authentication Center generates its personal code either centrally or at the individual request of the individual, the owner of the personal mobile device. The generated personal code is stored in one or more of the following databases, depending on the purpose of the personal code:

centralized authentication center database; a specialized database for this authentication center;

- centralized operator's mobile network database;

- SIM card of the owner of the personal mobile device.

In addition, the personal code is formatted and recorded in such a way that it can be reproduced in the form of different waves, either acoustic or optical radiation. Most suitable for acoustic radiation is the reproduction of a personal code with radiation in the frequency range of 16 Hz to 1 · 10 ⁹ Hz, which corresponds to the area of audible sound and ultrasound. Most suitable for optical radiation is the reproduction of personal code by radiation with wavelengths from 3.8 ·

10 'm to 1 · 10' m, including infrared and visible radiation. In an appropriate manner, where necessary, completes and / or processes a personal mobile device in order to guarantee the ability to receive and reproduce a second personal code signal in the prescribed manner. With the specialized equipment and software provided by those skilled in the art, it is easy to form a second personal code into a database, transmit it over a wireless communication channel with the ability to reproduce either acoustic or optical radiation, and prepare the mobile device accordingly. In view of the possibility of utilizing the above steps of known techniques and the hardware and software within the scope of the present invention, they will not be discussed in detail.

The owner of a personal mobile communication device, who has already generated and entered at least one authentication center personal database in at least one database, shall initiate an appropriate request to the authentication center, if necessary, to identify his / her identity and material relationships related to his / her identity. The request can be made and sent over a wireless channel by pressing a particular key or some combination of keys on the console of your mobile device.

The key combination that determines how the request is formed and sent may be set to the same for all subscribers of this mobile network. At the same time, the proposed method does not exclude the possibility of selecting a key combination for each subscriber individually. Upon request, the mobile network operator automatically performs an initial authentication of the request. It should be noted that the mobile network operator can perform the functions of both a network subscriber authentication center and a common authentication center. In addition, traditional techniques and hardware and software for mobile communication, widely described in the literature and well known to those skilled in the art, are used. Due to the use of traditional methods of initial authentication within the scope of the present invention, they will not be described in detail.

After confirming the authenticity of the request received from a personal mobile device, depending on the function being executed, the mobile network operator:

or redirects the request to a dedicated authentication center,

- or generates a signal that allows the second personal code to be retrieved by the mobile person whose request was sent by the owner.

In the first case, the request goes to a dedicated authentication center where it automatically passes the authentication. Upon receipt of a request for authentication, the authentication center either sends information about the second personal code for recovery on a personal mobile device, or generates a signal that allows for the recovery of a second personal code on a personal mobile device the owner of which sent the request. memory.

In this way, the signal coming from the authentication center and allowing the recovery of the personal code on the mobile device may also contain information bouncing on the personal code recovery mode (for example, when the personal code is stored on a personal mobile device SIM card or mobile network). operator database), and directly the personal code. Upon receipt of a signal from the Authentication Center on a personal mobile device, recovery of the personal code takes place. The personal code may be reproduced in the form of acoustic or optical radiation. Existing hardware enables the personal code to be reproduced and subsequently scanned and identified over a sufficiently wide range of radiation characteristics. As described above for acoustic radiation, this may be in the range of audible waves and ultrasound, whereas optical and infrared are the preferred range for optical radiation. The basic principles and hardware and software underlying the reproduction, scanning and recognition of the aforementioned radiation are also well known to those skilled in the art. The key here is the ability to recover a personal code, both recognizable by the human sensory organs and unrecognizable by the human sensory organs. In the latter case, the signal shall be read and recognized only by appropriate hardware and shall not be accessible to unauthorized persons. This further enhances the reliability of information (personal code) retention against unauthorized use.

Given the state of the art in mobile and identification hardware and software development, and the high speeds of information processing and communication channels, the proposed method of identification is about speed and identification reliability, which cannot be guaranteed by techniques known in the art.

The proposed method of identification can be used on a case-by-case basis to identify the buyer as a bank customer with cash in the bank in the buyer's solvency identification and non-cash payment system.

The proposed system for identifying a customer's non-cash payment solvency is described in detail below with reference to FIG. 1 illustrates a block diagram of one of the preferred embodiments.

As a personal mobile communication device in FIG. 1 depicts a mobile phone 1, such as the Motorola V3690 (Motorola, Ine., USA), which has a SIM card 2 (dotted line), screen 3, and keypad 4. The owner of mobile phone 1 (the "buyer") code, in this case the personal bar code 5, schematically displayed on screen 3.

In this example, the bar code simulator 5 is located in the bank's processing center 7 (e.g. stored in the bank's settlement account holders database 8 and their account balance record 9 corresponding to the specified buyer). In this embodiment, the buyer bar code simulator 5 will play the role of a personal code identifier 10 in the information callback branch.

The mobile subscriber source code identification center 11 (PIN provided on the SIM card for the k subscriber in the drawing as PIN _k ) is used for the initial processing of an incoming request for authentication and further processing to the bank's processing center 7.

Purchaser Process Center 12 has a system 13 for non-cash settlements, such as KKM Oka 2000F (KKS (Computer-Cash Register System) Moscow, Russian Federation), where cashiers workstations are provided with barcode 5 scanners 14, such as MS Type 6720-14.

The essence of the proposed identification method will be explained below, based on some examples of the implementation of the method. In one example with reference to FIG. 1 will also detail the workings of the buyer solvency identification system and the non-cash settlement of the proposed method. In addition, it should be appreciated that the examples given below in "LT 5324 B" do not limit the scope of the applicant's claims, but merely serve as a clear illustration of the superiority of the proposed technique over the prior art.

example

Utilization of the identification method in the buyer solvency identification and cash payment system, when purchasing goods in a retail chain company and in cashless payment.

Example 1A

An entity (hereinafter referred to as the buyer in this example), which is both a subscriber to a standard GSM network and a bank customer, purchases at a retail establishment.

As a personal mobile device, the buyer is using a mobile phone 1 Motorola V3690 (Motorola, Ine., USA). The Buyer is assigned, in a predetermined manner, the Second Personal Code, the standard European Category 13 code EAN-13 (or the fully equivalent Category 13 UPC code used in the US and Canada), hereafter referred to as Personal Barcode 5. Personal Barcode Data the code 5, once given to the buyer, is recorded only in the record corresponding to this buyer in the standard GSM subscriber database (the barcode of the buyer is matched to its communication network subscriber PINr code) and in the bank processor 7 settlement account holder database entry 8 (determined by the buyer's barcode) code 5 matches his checking account number).

The buyer buys goods for X rubles at a retail company operating system 13 for cashless settlement of the KKM "Oka 2000F" (KKS (computer-cash register system) Moscow, Russian Federation) with bar codes at the cashier's workplace, including personal barcodes 5, scanners in the form of scanners 14 (scanner MS 6720-14). All items selected for purchase are labeled with the appropriate barcode containing information, including the price of the item. The cashier scans the price of the item and receives the total amount (X rubles) on the cash register screen. As the working principle of such "automated stores" in the field of automatic scanning and processing of purchase price information is well known to those skilled in the art, this application will not be discussed in further detail. Together with the cashier's purchase value calculation, the buyer generates a customer service request (PUA) in the settlement account holder database 8 of the processing bank 7 of the bank with which the customer is located by retrieving a mobile subscriber source code corresponding to 4 11, (for example, in the technical support of the serving cellular operator) by dialing the keys corresponding to the input command to the personal code request service corresponding to the key combination and again to the keys corresponding to the input command. The flow diagram of the request is shown in FIG. 2. Due to the fact that it is obvious to a person skilled in the art that the formation, passage and pre-processing of the customer's request for service according to FIG. 2 Processes for Mobile Network Subscriber Identification Center 11, Processes for Authenticating a Request with a Mobile Operator, Processing a PUA to a Bank Processing Center 7, Generating a Second Personal Code (Personal Barcode 5), and Transmitting it to a Customer Cellphone Screen 1, 3 will not be described in the scope of this example.

Upon completion of authentication, the PUA - Authentic Buyer Request for Service (APUA) - is sent to the Bank Processing Center 7, whereby a record corresponding to this Buyer is identified in Database 8. The corresponding Bar Code 5 Simulator 6 is activated by the APUA the Buyer Personal Barcode 5 (APBK) is sent through the cellular network subscriber's source code identification center 11 for playback on the Buyer's Mobile Phone 1 screen 3. The barcode 5 coding processes for transmission via communication channels and the Mobile Phone 1's Screen 3 processes are well known in the art. and does not require a detailed description.

The visualized mobile barcode 1 on screen 3 is scanned by the seller with a scanner 14 from the buyer's mobile phone 1 on screen 3.

Based on the results of a visualized scan of the buyer's personal barcode, the seller's process center 12 sends to the bank's process center 7 a request for the buyer's bank account balance (PBU), the buyer's personal bar code (PABK), and the value X of the purchase. Barcode 5 identifier 10 is activated from PBU 12 received from Buyer Process Center 12 and, after matching Barcode 5 to Record 9, compares purchase amount X with amount Y in customer account, in case of positive reconciliation (Y - X> 0) writes off X amount from the billing account of the buyer.

In this information process, the bank's process center 7 sends a feedback message confirming that the purchase amount has been debited from the customer's current account (OK).

₁₃ EN 5324 B

In addition, there are several options for restoring a personal buyer barcode 5:

- On a steady basis - Buyer Personal Barcode 5 is restored to the mobile phone 1 screen indefinitely and removed from the mobile phone

By pressing forcibly 3 on screen 1, the corresponding undo command

- on a temporary basis - the buyer's personal barcode 5 is reproduced for a set amount of time on the screen of the mobile phone, for example, 30 seconds to 1 minute and so on.

- On Demand - The buyer's personal barcode 5 is reproduced on the screen of the mobile phone 1 and disappears automatically from the screen of the mobile phone 1 after being scanned by it.

Buyer service time, including the time it takes to generate a buyer bar code reset request (which can be made by the cashier when calculating the purchase value), can vary depending on the number of purchases from 15 seconds to 1 minute.

The use of special credit-denominated payment instruments is avoided. The multi-tiered authentication system eliminates the possibility of unauthorized debiting of a bank account and enhances the reliability of information retention.

In Examples 1B to 1G below, the customer service time, as in Example 1A, is dependent on the quantity of goods purchased and compared to the time in Example 1A. All the advantages of Example 1A remain valid.

Example 1B

Under the conditions of Example 1A and according to FIG. 2

- the barcode information is stored on the SIM card 2 of the mobile phone 2.

The customer's personal barcode 5 is restored on the screen 1 of the mobile phone 1 after verifying the authenticity of the request and obtaining permission from the bank to restore it.

Example IV

Under the conditions of Example 1A and according to FIG. 2

- Buying by a subscriber to a paging (paging) network;

- use of paging 1 Motorola Scriptor LX2 (Motorola, Ine., USA) as a personal mobile device;

information on the buyer's personal barcode 5 is stored in the relevant record 9 of the bank settlement account holders database 8 (the buyer's personal bar code 5 is matched to its settlement account number). The buyer's personal bar code 5 is retrieved from the bank database 8 upon receipt of the authentication of the request, and the buyer's personal bar code 5 is reproduced on screen 1 of the pager 1.

Example 1G

Under the conditions of Example 1A and according to FIG. 2

- use of a mobile phone as a personal mobile device 1

Motorola V3690 (Motorola, Ine., USA) equipped with a radiating diode LIR5 (OOO Mikrel, St. Petersburg, Russian Federation) (not shown);

- system 13 for cashless settlements Aurora infrared scanners 14 at cashiers workstations of the CCM Oka 2000F type (KKS (computer-cash register system) Moscow, Russian Federation);

- the customer's personal bar code 5 is reproduced in the invisible (infrared) optical radiation range.

Reproducing a second personal code in the infrared range (invisible to the human eye) further protects the code information.

The above-described system examples of the proposed buyer solvency identification and non-cash payment system completely eliminate the need for special credit / cash facilities. The multilevel authentication system eliminates the possibility of unauthorized debiting of a bank account and enhances the reliability of information retention.

Considering the state of the art in mobile and identification device hardware and software, the high speed of information processing and communication channels using the proposed system for non-cash payment, all possible embodiments of the present invention speak of high speed and above all high information reliability. and conservation levels that are not achieved by analogous systems known in the art.

example

Use of identification method to identify subject's personality

The flowchart of the information implementing the identification method to identify (confirm) the subject's identity is fully consistent with FIG. 3.

Under the conditions of this example, the subject's identity was identified in the absence of documents proving his / her identity (passport, driver's license, etc.).

Example 2A

In the remote location of the regime company, the control post (wired to the corporate database of the bank 10, for example, temporarily out of service due to irregularities) is equipped with an AR-8000 audio scanner in the 0.5 MHz to 1900 MHz frequency range. The pre-recorded voices of all employees and other citizens of the company who are entitled to enter the company (for example, when recording voice characteristics, everyone pronounces the same set word). Voice characteristics are recorded in a special database. Uses a cellular phone as your personal mobile device

Nokia 3310 (Nokia Corp., Finland). As a second personal code, the voice characteristic.

An employee authorized to enter the company (including a remote location), upon arrival at the control post, dials the appropriate combination of code numbers on the personal cell phone keypad and sends the request to the person, who have access to the company database. Once the request is authenticated and the company has access, the coded audio information (information about the voice characteristic of the cellular telephone owner) is sent from said special database to the cellular telephone. The employee pronounces the same word as when entering the database. An audio scanner reads and compares audio information received from a database via a cellular telephone with the real characteristic of the employee's voice.

The employee identification operation takes no more than 10-15 seconds.

Example 2B

The SIM card of the Motorola V3690 cellular phone (Motorola, Ine., USA) contains the passport details of the cellular phone holder as well as an electronic photograph. Analogous data (such as a photo) is stored in a specialized database, such as an automated "passport desk" or a VRM database.

The cellular phone owner approached the cashier to buy an airline ticket without a passport. The cashier's workstation is equipped with an electronic scanner for reading and recognizing textual-graphic information (for example, in Example 1A).

The airline ticket purchaser generates a query to said specialized passport database by dialing a combination of numbers on the cellular telephone keypad, respectively, to the service operator's cellular technical support service, the entry command key, the key combination corresponding to the personal passport data request service, and the entry command key.

Following the request authentication procedure described above, the Passport Database allows you to display the owner's passport information on a cellular phone screen, including an electronic photo. The cashier compares the photo to a scanner, scans the passport data, performs an automated check in the general passport database, and automatically records the required data.

In this case, provided that the cashier's office is arranged in an appropriate manner and that the cell phone holder (airline ticket purchaser) is one of the bank's customers and has a second personal code stored in the bank database, the airline ticket can be paid the cell phone owner's personal code and the billing price of his billing account in any of the examples 1A to IG.

The examples above vividly illustrate the wide range of uses that can be made of an articulated way of effectively and accurately identifying a subject in various spheres of life. Furthermore, it is clear that the examples described do not in any way limit all possible embodiments of the method within the scope of the claims.

In view of the ever-expanding development of wireless mobile communications, with the present state of the art, it is possible to speak of virtually instantaneous identification of a subject in various fields and for various purposes. In addition, the reliability of the identification is practically equal to 100% for multi-level authentication of second-party code recovery requests.

Claims (21)

Definition of the Invention A method of identification comprising generating a source code and entering the source code At least one communication channel between the network user authentication center, the authentication center, and personal mobile device creation, queries for Generating authentication from the personal mobile device and transmitting it to the authentication center via said communication channel and identifying the code, further comprising recording a second personal code in the memory of the personal mobile device, storing a second personal code in the memory of the personal mobile device transmits the code-to-analog code to the authentication center Memory 15 requesting authentication by entering a second personal code into the personal mobile device, then recovering the second personal code reproducible from the personal mobile device and retrieving the second personal code reproducing the personal code from the personal mobile device; identifies the personal code in the authentication center according to the source code identifier 20 communication network user authentication and a second personal code in a reproducible code-to-analog scanning center. 2. The method of claim 1, wherein the second personal code reproducible code-to-analog is reproduced in the form of acoustic radiation having a frequency of 16 Hz to 1 · 10 ⁹ Hz. 3. The method of claim 1, wherein the reproducible code-to-analog code of the second personal code is reproduced in the form of optical radiation. 4. The method of claim 3, wherein the second personal code is reproducible The 30 code-to-analogue is reproduced in the form of radiation having a wavelength of 3.8 · 10 ' ⁷ m to 1 · 10' ² m. 5. The method of claim 4, characterized in that the second personal identification code, the code-analog playback restores radiation with the wavelength range of 7.7 x 10 ^"7 m to 1 x 10" ² m, form. 5 6. The method of claim 4, wherein the second personal code reproducible code analog is reproduced on the screen of a personal mobile communication device in the form of radiation having a wavelength of 3.8 x 10 ⁷ m to 7.7 10 ⁷ m. 7. The method of claim 5, wherein the second personal code is reproducible The code 10 is reproduced in the form of a graphical code. 8. The method of claim 7, wherein the second personal code reproducible code-analog is reproduced in the form of a bar code. 15th 9. The method of claim 7, wherein the reproducible code-analogue of the second personal code is reproduced in the form of fingerprints. 10. The method of claim 7, wherein the reproducible code-analogue of the second personal code is reproduced in the form of an electronic photograph. A method of identifying a customer's solvency, comprising generating a source code and entering the source code into the process operator's center and personal mobile device memory, generating the buyer's personal code and entering a second personal code into the bank's process center, at least one communication channel between communication network Creating an operator process center, a bank process center and a personal mobile device, generating a solvency verification request from a personal mobile device and transmitting it to the bank's processing center via said communication channel, and identifying the buyer's personal code, further comprising to the memory of a personal mobile device, to a personal 30 saves the mobile device memory to the customer's personal code recovery code, transmits a solvency verification request to the bank's processing center by entering the customer's personal code into the personal mobile device, then restores the customer's personal code recovery code to the personal mobile device display; the customer's personal code reproducible code-to-analog scanner is scanned from the personal mobile communications screen; furthermore, the customer's personal code is identified by the bank's processing center according to the source code identification in the communications network operator's process center and the customer's personal code-reproducible code-to-analog scanner. 5 12. The method of claim 11, wherein the customer's personal code reproducible code-to-analog code is reproduced in the form of a graphical code. 13. The method of claim 12, wherein the bar code is reproduced in the form of a bar code by the customer's personal code. 14. A cashless payment system comprising at least one of the customer's personal mobile devices interacting over a communication network, a service request generator as an information input device connected to the customer's personal mobile device, a mobile network subscriber source code 15 Simulator Mobile Network Subscriber Source Code Identification Center Request Authentication Bank Processing Center and Buyer Process Center Request Processing, further comprising: a second buyer second personal code simulator and a second second customer identifier of the buyer. code visualization A means for reproducing a second personalized visual code-analogue of the buyer and the processor of the seller having an appropriate means of scanning and identifying the visualized second-code analogue of the buyer and processing a request for customer service based on the mobile subscriber source code personal code and the visualized code-analogue of the buyer’s second personal code 25 identification results. 15. The system of claim 14, wherein the second personal code simulator of the buyer is designed as a bar code simulator. 30th 16. A system as claimed in any one of claims 14, 15, wherein the second second customer code simulator is located in the bank's processing center. 17. A system as claimed in any one of claims 14, 15 wherein the second personal code simulator of the customer is arranged in the personal mobile communication device of the customer. 18. A system according to any one of claims 14, 15, wherein the second customer code simulator is located in the bank's processing center and in the customer's personal mobile communication device. 19. A system as claimed in any one of claims 14 to 18, wherein the second customer code identifier of the buyer is located at the bank's processing center. 20. A system as claimed in any one of claims 14 to 19, wherein the second second personal code display device of the buyer is designed as a display of a personal mobile communication device of the buyer having the ability to reproduce text-to-graph information better within the bar code. 21. The system as claimed in any one of claims 14 to 20, wherein the means for scanning and identifying the second 15 personal code of the buyer is designed as a scanner capable of reading and identifying text-to-graph information better than a bar code visualization means.