RU2263959C2 - Method for performing cashless transactions with use of mobile communication devices and computer system for realization of said method - Google Patents

Abstract

FIELD: mobile telecommunication systems.

SUBSTANCE: central server of system is used to generate a commercial offer about transaction, aforementioned commercial offer is transferred to mobile communication device, from mobile communication device of first transaction member to central system server a confirmation is sent about transaction completion, and from central system server to bank server of first transaction member a request is sent for transfer of aforementioned transaction total.

EFFECT: higher efficiency.

3 cl, 8 dwg

Description

FIELD OF THE INVENTION

The invention relates to the field of information technology, in particular to a method and system for making transactions by bank transfer using mobile electronic communication devices.

State of the art

The rapid development of information technology has led to the emergence of a variety of cashless payment systems using electronic communication lines and computer network resources.

Among the well-known non-cash payment systems in the global computer network Internet, there are three main options for making such payments: 1) using "virtual money"; 2) by credit card; 3) by bank transfer to the indicated account.

The first option includes payment systems such as WebMoney Transfer (the so-called WebMoney title units are used as virtual money), Yandex. Money (based on the work with "electronic money" PayCash), e-gold (http://www.e-gold.com), PayPal (http://www.paypal.com) and others.

A similar system is described in the publication of the international application WO 02/09045, according to which payments can only be made using pre-purchased cards for a certain amount (although most often the consumer does not know in advance how much money will have to be spent). Such cards obviously also represent "virtual money."

Each of these systems implies that its customers will be forced to transfer their "real" money (cash, money in accounts in real banks) into "virtual" money, supported only by the corresponding system. That is, after the transfer of their real money to the account of the company that organized such a system, the client receives only the corresponding record on the server of this company. In further operations with this record, the client has to rely entirely on the integrity of such a company. It should be noted that this type of activity of companies in Russia does not currently have a legal basis, and, unlike the banking sector, clients of such companies have no money back guarantees at all, that is, in terms of reliability, such a scheme is equivalent to the infamous financial pyramids.

If in such a system the client does not have enough virtual money, he is forced to go to the bank and transfer to the account of the organizing company of the payment system.

Similarly, the payee, of course, cannot use the virtual money received by him without transferring it into real money by transferring it to a bank account (which is really a transfer from the account of the company organizing the system to the account indicated by the recipient, that is, this operation will require additional time and additional costs).

Additional costs for customers of such systems arise at every step - both when transferring money to the account of the organizing company (paying a commission to the bank organizing this transfer), and when organizing the payment within the system (paying the company to the organizer of the system) and when transferring the system’s virtual money back in real (payment to the bank system for the transfer). In addition, only transferring within the system is fast in this chain; however, replenishing a virtual account and receiving real money from such an account will require significant investment of time for both the client and the seller.

That is, such systems are actually trying to replace the banking sector even without obtaining the appropriate state licenses, and at the same time they are quite expensive for customers and actually require much more significant time costs than those mentioned by the organizers of such systems.

The payment systems of the second type include the Russian system Assist (http://www.assist.ru), as well as foreign WorldPay (http://www.worldpay.com), Verisign (http://www.verisign.com ), Go2Pay (http://www.go2pay.com), Cardservice International (http://www.cardservicelinks.com) and others. All such systems are designed for organizing payments on the Internet using credit cards.

Moreover, each time a user of such a system is forced to transfer all information about a credit card to the system via the Internet. Such an approach is not only not convenient (each such payment transaction takes a lot of time from the client), but it also adversely affects the security of working with the client’s money. So, in particular, such a system opens up the possibility of using credit cards by strangers in the event of loss of cards, because many organizations trading on the Internet using these payment systems do not at all care about verifying the identity of the payer. It is enough for them that the payment system allows you to withdraw the required amount from this credit card. Moreover, to make a payment, you will not need a client’s signature (real or electronic), or even knowledge of the PIN code.

To evaluate this method of payment, it is also necessary to take into account the well-known shortcomings of the credit cards themselves.

So, for example, due to the high probability of losing credit cards and the impossibility of actually ensuring that people who found them do not use the cards, banks usually impose very significant restrictions on the use of credit cards, for example, the size of a one-time payment, the total amount of payments during the day, month, etc. In this regard, the use of credit cards for expensive purchases is often very difficult and sometimes impossible.

In addition, credit cards have a very limited validity period (usually 1-2 years), and after each regular card expiration date, you must contact the bank to get a new one.

If it is necessary to carry out currency conversion using credit cards, there is no way for the card user to find out the real rate at which the conversion is made, and thus, the actual size of the payment at the time it is made is not known.

In addition, the operation of transferring money using a credit card often takes quite a lot of time, during which the use of the same card for new purchases is difficult or even impossible.

Naturally, Internet payment systems are not able to solve any of these problems, which adversely affects the convenience of the indicated approach to organizing payments on the Internet as a whole.

In both of the above approaches to the organization of settlements on the Internet, there is also one common drawback for them: they are focused solely on payment to companies and individuals organizing trade using the Internet, most often these are online stores. For any company that offers its products and services locally, that is, with personal communication with customers (for example, ordinary shops, supermarkets, etc.), such payment schemes are not applicable.

Firstly, this is due to the fact that a client needs to have access to the Internet through a computer that he usually doesn’t have with him (unlike a mobile phone), and it would be very wasteful for stores to arrange such terminals for customers. Yes, and paying using large screens and keys is very unsafe (it’s easy for outsiders to see what the person is dialing for payment; and in this case, the client will need to gather some information about himself, because such an Internet terminal is designed for everyone and is not designed for this specific client, again, unlike the client’s own mobile phone).

Secondly, in the case of "virtual money" the seller - the store will most likely find it inconvenient to receive money in a virtual account, and then try to transfer it to real money, that is, he will probably refuse this method (he would prefer to receive real money to an account in a real bank). In the case of credit cards, the seller will prefer to work directly with the cards themselves without additional intermediaries.

Also, some banks provide the opportunity for their customers (both organizations and individuals) from a personal computer to use the Internet, or when connecting to a local banking network using a modem, to make a payment from their account to the indicated account of the payee located in this same, or another bank.

A very significant drawback of this approach is the need to indicate each time the bank details of the payee and a description of the purpose of the payment. However, this need may be acceptable only when working from a personal computer due to the possibility of convenient input of information (keyboard, mouse, high-resolution display), as well as the file system and means of interaction with other software products that provide, for example, the ability to enter information about payment by copying it from files or from the user interface of software products.

In addition, communication with the bank server in this case is carried out via a wired connection, which guarantees a very high degree of reliability of information transfer.

Recently, the efforts of many developers have focused on the creation of cashless payment systems using mobile phones. It should be noted right away that the payment scheme described above would be extremely inconvenient and unreliable if mobile phones were used to arrange the payment. Firstly, this is due to the fact that the means of inputting and displaying information on a mobile phone are very limited and inconvenient (a mobile phone has only numeric keys and, on the vast majority of telephones, text input modeled with such keys requires repeated pressing). That is, entering the bank details necessary for the payment and describing the purpose of the payment will require significant time costs even for experienced users (for example, those who often exchange SMS messages). For the rest, this procedure may seem simply impossible.

Secondly, due to such inconveniences of input and the very small size of the telephone display (it is inconvenient to view the dialed information), the possibility of input errors is very high.

And thirdly, for the transmission of information in the case of mobile phones, a wireless connection is used, within which, unfortunately, the likelihood of errors in the transmission of information is still quite significant.

That is, the second and third noted aspects cause more than a high probability of incorrect information coming from the client to the bank server, which is absolutely unacceptable for indicating bank details, and it is undesirable for indicating the purpose of payment.

One technical solution in this area involving the use of virtual money is described in publication EP1111528. This publication actually discusses the scheme of trading using virtual money (first you need to purchase some "tokens", save them on your mobile phone, and then use them for purchases taking into account the price of these tokens). Such a scheme is quite inconvenient both for the consumer (you need to constantly spend money in advance to buy tokens without even knowing in advance how much money will be needed, and the operation of buying tokens itself takes time), and for the seller (supplier), since the latter does not receive real money in the proposed approach, but instead receives tokens, which he then must independently exchange for real money. In fact, it would be much more convenient for both suppliers (sellers) and consumers (customers) to work with real money in real accounts.

Another technical solution in this area, devoted to a method for transmitting electronic money using wireless communications (including mobile phones), is described in publication WO 97/45814. This publication provides for the passage of "electronic money" through the phone itself. The bank details of the supplier must also be delivered in some way to the customer’s telephone and it is from the telephone that the transfer is made to the specified account. The disadvantage of this system is the lack of automation of the cashless payment process. In addition, data transfer using mobile phones is not yet particularly reliable; part of the data is often transmitted incorrectly. And, as it is not difficult to imagine, even an error in the only digit of the account number of the recipient of money can lead to very undesirable consequences.

The publication of the European patent application EP 1274028 (the closest analogue of the invention) describes a scheme for making payments using mobile devices (telephones) and a commercial trading server. In other words, this publication describes a cashless payment system with a central server of the system, which allows using a mobile phone to create an order to transfer the transaction amount from the account of the first participant to the transaction to the account of the second participant to the transaction. Through this server, payment is made, bypassing the phones themselves, using the accounts of both counterparties. However, in this publication, the consumer and the supplier are essentially "symmetrical", and such a scheme is more suitable for the sale of second-hand goods (used goods), since both the supplier and the consumer in this case use the system only temporarily, and both should apply mobile phones for this. As previously discussed, the technical solution known from this publication does not provide for the architecture of a cashless payment system, which would include at least the bank of one of the participants in the cashless transaction. The procedure for opening an account is mentioned for each of the users (customers) of the system, but the mechanism for switching to "real" money is not clear, that is, the connection of the described system with the banking system is not indicated.

In addition, the closest analogue does not provide means of advertising products sold through the system, allowing the consumer not only to pay for the purchase through a similar system, but also to choose a product and / or service through the same system.

Another problem that information technology specialists are working on is improving the security of money transfers through the above non-cash payment systems. Publication CN1377000 describes a user authentication procedure. According to this decision, the user should always use the codes sent to him by the bank in the form of SMS messages. But SMS messages are stored in all existing phones in open form, that is, a person who finds the phone is switched on (there is no need to type the SIM card password) will be able to read all SMS messages and find out the codes sent by the bank.

SUMMARY OF THE INVENTION

The above analysis of the prior art shows that the unsolved or solved insufficiently effective at the moment remains the task of creating a computer system of cashless payments, which would include the hardware resources of banks with the possibility of transactions on cashless payments using mobile electronic communication devices such as mobile phones or handheld computers (PDAs), through the existing banking system, without the need to open any new “virtual” accounts.

Such a system should be as versatile and automated as possible. The requirement of universality means providing the ability to connect a wide range of goods and services to the system of suppliers. Automation requirement means a minimum of manipulations with the governing bodies of a mobile electronic communication device for sending through the system an instruction to transfer the amount of the transaction from the consumer’s bank account. In addition, the requirement of automation means the minimum possible participation of the supplier in the operation of the system. Other advantages of the invention and the tasks it achieves will be discussed below as its essence is disclosed and the possibilities for its implementation are described.

This problem is solved by the proposed method of making transactions by bank transfer, which includes the formation and transfer, by means of a mobile electronic communication device and computer system of cashless payments with a central server of the system, of an instruction to transfer the transaction amount from the account of the first participant to the transaction to the account of the second participant to the transaction.

The difference between the proposed method and the closest analogue discussed above is that they use a computer-based cashless settlement system in which the central server of the system is connected to the server of the bank of the first participant of the transaction and the terminal of the second participant of the transaction, while using the central server of the system they create a commercial proposal for the transaction, including at least data about the subject of the transaction, establish a connection between the mobile electronic communication device of the first party to the transaction and cent system server with the transfer of the specified commercial proposal to a mobile electronic communication device, and the commercial proposal data is displayed on a mobile electronic communication device, from the mobile electronic communication device of the first party to the transaction, a confirmation of the transaction is sent to the central server of the system, and from the central server of the system to the server Bank of the first party to the transaction send an order to transfer the specified transaction amount.

In the most preferred case of the implementation of the proposed method, the first party to the transaction is the consumer of goods and / or services, and the second party to the transaction is the supplier of goods and / or services. In this case, a quotation can be created at the request of the consumer on the basis of data on the product of interest to him, and the specified request is sent directly from the consumer to the supplier. For the created commercial proposal, a validity period can be established, after which the specified proposal is canceled. One such quotation may include several grouped goods and / or services.

To increase the degree of automation of the system, the supplier’s database server can be used as the terminal of the second party to the transaction, the storage device of which stores data on the goods and their availability, while establishing a connection between the central server of the system and the specified server of the supplier, calling data from the storage device of the supplier’s server about the goods and / or services of this supplier, on their basis form a commercial offer and send it to the consumer’s mobile electronic communication device with communication about the proposal created for him, in particular, SMS message.

In the storage device of the central server of the system, a consumer identifier can be stored, which is used as a unique consumer number, in particular, a passport or social security card number.

In another embodiment, the consumer’s identifier can be stored in the storage device of the central server of the system, which is used as an internal unique code of the system assigned to the consumer, and when forming and sending a commercial offer to the consumer, this internal unique code of the system is read from the bar code using a barcode reader codes, either displayed on the display of a mobile electronic communication device, or sent to the supplier using local data transfer technology ny, in particular, according to the IrDA standard or using Bluetooth technology.

The specified consumer identifier (preferably, a unique consumer identifier in the system) can be used by the supplier when generating a commercial offer for this consumer.

The identifier can be transmitted by the consumer to the supplier in various ways: in person, using a bar code (issued to the consumer when registering in the system and pasted by him, for example, on the back of his mobile phone), either verbally or by transfer from the consumer’s communication device to the terminal vendor using one of the local communication technologies (for example, through the IrDA infrared port (Infrared Data Association standard) or using Bluetooth technology). When remotely communicating, the consumer can indicate his identifier verbally by phone, or in an e-mail message, via fax or ICQ, etc.

To maximize the discharge of suppliers from participating in the system’s work, commercial offers can be permanently stored in the storage device of the central server of the system, and after establishing a connection between the consumer’s mobile electronic communication device and the central server of the system, at least some of the commercial offers are displayed on the display of the mobile electronic communication device, stored in the storage device of the central server of the system.

A commercial proposal may additionally include data on the price of the goods and / or the availability of goods in the required quantity. In addition, data on the state of the consumer's bank account can be stored in the storage device of the central server of the system.

As mentioned above, the mobile electronic communications device may be a mobile phone or PDA. In both cases, the connection between the mobile electronic communication device and the central server of the system can be established through the gateway of the mobile operator or through the terminal of a computer network using one of the technologies for local data transfer, in particular, IrDA or Bluetooth.

In order to establish a connection between the mobile electronic communication device and the central server of the system, that is, to enter the bank transfer system, it may be necessary to enter an access password to the system from the mobile electronic communication device.

As another security measure, a consumer may be preliminarily allocated a set of personal payment authorization codes (commonly called PIN codes), each of which is valid for only one transaction. This set can be stored in the storage device of the central server of the system. In this case, when sending an order to transfer the transaction amount that exceeds a predetermined threshold value, the appropriate personal code is entered from the mobile electronic communication device, the received personal code is compared with the set of personal codes stored in the memory of the central server of the system, and if the personal codes match, the transfer order transaction amounts are sent from the central server of the system to the server of the consumer bank.

When personal codes are allocated, they can be transferred to the consumer’s mobile electronic communication device from the server of the consumer bank or from the central server of the system using local wireless data exchange technology, in particular, according to the IrDA standard or Bluetooth technology. Their storage in the memory area of the mobile device can be carried out, in particular, through a J2ME (Java) application.

Personal codes stored in a protected area of the mobile device’s memory can be protected from unauthorized access by encoding, in particular, 448-bit encoding using Blowfish technology.

In addition, at least one payment authorization password allocated to the consumer can be pre-stored on the server of the consumer’s bank, and upon receipt of an order from the consumer to transfer the transaction amount that exceeds the specified threshold amount, the consumer is prompted to enter the specified password, in particular, by voice and / or from the keyboard of a mobile electronic communication device, and if the passwords match, the transaction amount is transferred to the supplier’s account.

Additionally, on the server of the consumer bank, the identifier of the consumer’s mobile electronic communications device (for example, the serial number of such a device) can be stored in advance, and this identifier is also stored in the storage device of the mobile electronic communications device and sent to the central server of the system along with an instruction to transfer the transaction amount. Storage of such an identifier, such as a serial number, in modern mobile electronic communication devices, such as mobile phones and PDAs, is most often performed at the hardware level (in particular, this means that it is impossible to replace such a number with intruders).

To keep records of completed transactions in the storage device of the central server of the system data can be stored on transactions in relation to goods and / or services made by the consumer within a given period of time.

For the transaction to be completed promptly, after an instruction has been sent to the consumer’s bank server to transfer the transaction amount from the consumer’s account to the supplier’s account, a message can be sent about the transfer of the transaction amount from the central server of the system to the supplier’s terminal.

At the same time, after sending an order to the consumer’s bank server to transfer the transaction amount from the consumer’s account to the supplier’s account, the consumer can be given the right to withdraw the specified order within a specified period of time, while the transaction amount is transferred to the supplier’s account and a message is sent to the supplier’s terminal about the transfer of the transaction amount is carried out automatically after a specified period of time or after receiving additional confirmation of the specified time from a mobile electronic communication device cheniya.

In order to prevent unwanted commercial offers (so-called "spam" or "information junk") from appearing on the display of a mobile electronic communication device, a list of suppliers can be generated using a mobile electronic communication device, the data of which is stored in the memory of the central server of the system whose commercial offers prohibited to transfer to a mobile electronic communication device, and / or suppliers whose commercial offers are allowed to transfer to a mobile electronic device th connection. Moreover, permission to one or more suppliers to transmit commercial offers to a mobile electronic communication device may be limited by the time period indicated by the mobile electronic communication device.

Above, the most preferred application of the proposed method was considered. However, there are many other suitable options. In one of them, the first participant in the transaction is the utility user, the second participant in the transaction is the utility, and the offer is the utility bill generated by the computer terminal of the utility and the central server of the system at predetermined time intervals (for example, monthly).

In another particular case, the first participant in the transaction is the driver of the vehicle, the second participant in the transaction is a representative of the road safety service, and a commercial proposal conditionally represents a fine for violation of traffic rules. In this case, through the central server of the system, a database of types of traffic violations and the size of the corresponding fines is maintained, and the driver’s identification code is previously stored, and the driver’s identification code and the type index of the type of violation of the rules are transmitted to the central server of the system through the computer terminal traffic, and after entering the system from a mobile electronic communications device, I display on its display payable amount of the fine. The aforementioned driver identification code may be his driver’s license number.

In all cases of implementing the method, for convenience of making transactions, at least two accounts of the first party to the transaction serviced by one or different banks can be pre-registered in the central server of the system, while before confirming the completion of the transaction by means of a mobile electronic communication device, the first party to the transaction chooses which transfer the transaction amount from the indicated accounts, and to the order for transferring the transaction amount sent to the bank server of the first transaction participant from the central belief system include an indication of the selected account.

In some cases, it may turn out that none of the accounts in the bank of the first transaction participant (consumer) contains the entire transaction amount, therefore, before confirming the transaction using a mobile electronic communication device of the first transaction participant, a subset of these accounts related to one bank may be selected, and a non-zero transfer amount for each of the selected accounts in such a way that, together, the indicated amounts make up the necessary transaction amount, and in the order for transferring the transaction amount, sent to The bank’s rover of the first party to the transaction from the central server of the system includes an indication of the totality of the selected accounts and the corresponding transfer amount for each of them.

A similar solution for the above situation is provided when the first party to the transaction has several accounts in different banks.

In this case, before confirming the transaction by means of a mobile electronic communication device of the first party to the transaction, a subset of the banks of the first party to the transaction is selected, for each of which a subset of accounts of the first party to the transaction in this bank is selected and a non-zero transfer amount is indicated for each such account in such a way that together the amounts for all selected accounts of all selected banks comprise the transaction amount, and in the transfer orders, the transaction amounts are sent to the servers of each nnyh banks first participant in the transaction from the central system server, include a reference to a set of selected accounts relating to this bank, and the selected amount of transfer to each of them.

These accounts may include at least two accounts in different currencies, and through the central server of the system, together with the servers of the banks involved, they make the necessary currency conversions taking into account the current exchange rates in the respective banks.

In addition, it may turn out that the currency of the account of the second party to the transaction is different from the currency of at least one of the accounts of the first party to the transaction selected to transfer the amount of the transaction. In this case, through the central server of the system, together with the servers of the banks involved, the necessary currency conversions can be made taking into account the current exchange rates in the respective banks.

In the second independent embodiment, the proposed method is focused on settlements between suppliers and consumers of goods and / or services in a competitive environment between suppliers of the same goods and / or services and provides additional convenience of transactions due to the display of information about goods and / or services in a cataloged view with the ability to compare alternative product offers from different suppliers. This method variant differs from the closest analogue in that they use a computer-based cashless settlement system in which the central server of the system is connected to the bank server of at least one consumer and the terminals of at least two suppliers of the same goods and / or services, and in which through the terminals indicated suppliers and a central server system maintain a database of goods and / or services. When a transaction is made, a connection is established between the consumer’s mobile electronic communication device and the central server of the system, information about the goods and / or services of suppliers is called from the aforementioned database, and it is transmitted to the consumer’s mobile electronic communication device with information about the goods and / or services displayed on the mobile display electronic communication devices, based on the indicated information displayed by means of a mobile electronic communication device, select a particular product or service with giving a request for the purchase of the selected product or the provision of the selected service through the central server of the system to the terminal of the respective provider, in response to the specified request, a commercial proposal is sent to the consumer’s mobile electronic communications device for the selected product or service, including at least the identifier of the product or service and the price of the goods or services (transaction amount), and the data of the received commercial offer is displayed on the display of a mobile electronic communications device, through tion of the mobile device user of electronic communications to a central server system sends a confirmation of the transaction in relation to the selected product or service, and the central system server to the server of the bank customer is sent an order for the transfer of the amount of the transaction.

In one case, the aforementioned database of goods and / or services can be created and maintained on the storage device of the central server of the system by transmitting information about goods and / or services from the terminals of the respective suppliers to the central server of the system, and a commercial offer in this case is created through the central server of the system and stored in the storage device of the central server of the system. In this case, to ensure the cataloging of information about the same goods and / or services of different suppliers, the corresponding data should be transferred to the central server of the system in a single format.

At the same time, a certain degree of decentralization of storage of information about goods and / or services is allowed due to the fact that at least one of these suppliers uses a server of a database of goods and / or services of this supplier connected to a central server of the system via a database gateway supplier, and use a distributed database of goods and / or services supported by the specified server database provider and the central server of the system, while in response to the specified request, consume First, they check the availability of the goods selected by the consumer or the possibility of providing the services selected by the consumer, and then create a quotation using the supplier’s database server and send it to the consumer’s mobile electronic communication device through the central server of the system. All operations indicated for the supplier’s terminal can be performed automatically using the specified provider database server.

In this case, indexes of access to the data stored on the suppliers database servers are stored on the central server of the system. However, the databases themselves, supported by physically spaced media, are largely homogeneous.

A computer-based non-cash payment system is also proposed, containing a central server of the system associated with mobile electronic communication devices of consumers of goods and / or services and configured to process orders to transfer the transaction amount in respect of goods and / or services from the consumer’s account to the supplier’s account of the specified goods and / or services.

The difference between the proposed system and the closest analogue is that it includes a server of the bank of at least one consumer of goods and / or services and a terminal of at least one supplier of goods and / or services associated with the central server of the system, the central server of the system comprising a unit of work with suppliers associated with the specified terminal of the supplier with the possibility of forming a commercial proposal of the supplier to conclude a transaction in relation to goods and / or services, a unit of work with consumers related to m a smart electronic communication device, a money transfer unit associated with the indicated server of the consumer bank and the unit for working with consumers, and a storage device comprising at least a storage area for data about consumers and their accounts and a storage area for data about said commercial offers, the device is associated with a block of work with suppliers, a block of work with consumers and a block of work with money transfers.

In particular cases of execution, the storage device of the central server of the system may contain a storage area for data on suppliers and their accounts associated with the unit for working with suppliers. The system may additionally include a supplier’s bank server associated with a unit for working with suppliers of a central server of the system and with a specified area for storing data on suppliers and their accounts with the possibility of transmitting to the central server of the system data on the state of the bank account of the supplier and / or data on the transfer of the amount transactions from the consumer’s bank account to the supplier’s bank account, storing the specified data in the storage device of the central server of the system and transferring this data to the supplier’s terminal.

The storage device of the central server of the system may contain a data storage area for commercial offers associated with a unit for working with suppliers, a unit for working with consumers and a unit for working with remittances, a data storage area about transaction history associated with a data storage area about commercial offers, and a central the server of the system may contain a block for searching and displaying information about transactions associated with the indicated area for storing data on the history of transactions, a block for working with suppliers and a block working with consumers.

The system may also comprise an authorization code generation unit, and the storage device of the central server of the system contains an authorization code storage area associated with a consumer unit, and an authorization code generation unit is associated with an authorization code storage area.

The central server of the system can be implemented in the form of a local network containing four workstations, interconnected by means of appropriate network adapters and cables.

The unit for searching and displaying information about transactions and the unit for generating authorization codes for the central server of the system can be implemented by the first workstation, made in the form of a multiprocessor database server with a database management system installed that supports a full-text search system, each of the storage areas indicated above data storage device of the central server of the system is made in the form of a separate disk drive of the first workstation.

The unit for working with consumers can be implemented by a second workstation equipped with an additional network adapter for connecting to an external computer network, the unit for work with suppliers can be implemented in a third workstation equipped with an additional network adapter for connecting to an external computer network, and the unit for working with money transfers can be implemented by the fourth workstation equipped with a modem for connecting to an external banking computer network.

The unit for working with consumers may include a sub-block of the user interface of the consumer, a sub-block for authorization of payment, a sub-block for working with SMS messages, and a sub-block for encoding / decoding information.

At the same time, a sub-block of the user user interface can be connected, on the one hand, with a mobile electronic communications device via a telecom operator’s gateway and / or global computer network terminal, and, on the other hand, with a block for searching and displaying information about transactions, a block for working with money transfers , data storage area about commercial offers and data storage area about consumers and their accounts; an information encoding / decoding subunit may be associated, on the one hand, with a mobile electronic communication device via a telecom operator’s gateway and / or a global computer network terminal, and, on the other hand, with a consumer user interface subunit and a payment authorization subunit, the payment authorization subunit being connected with the storage area of authorization codes; and the sub-block for working with SMS messages can be connected, on the one hand, with the gateway of the telecom operator and, on the other hand, with the data storage area of commercial offers.

The block of work with suppliers may include a sub-block of the user interface of the supplier, a sub-block for generating commercial offers, and a sub-block for encoding / decoding information.

In this case, the subunit of the supplier’s user interface can be connected, on the one hand, with the supplier’s terminal and, on the other hand, with the block for searching and displaying information about transactions, the data storage area for commercial offers, and the data storage area for suppliers and their accounts; the sub-block for generating commercial offers may be associated with the sub-block of the user interface of the supplier, the data storage area about consumers and their accounts, and the data storage area about commercial offers; and an information encoding / decoding subunit may be associated with a provider user interface subunit and a provider terminal.

In the second embodiment, the proposed computer system of cashless payments provides consumers with the ability to search for goods and / or services in the database of the system. Therefore, the central server of the system is connected to the terminals of at least two suppliers of the same goods and / or services, and its storage device further comprises a data storage area for goods and / or services, and the consumer work unit is also associated with the work unit with suppliers.

The storage area for data on goods and / or services is preferably made in the form of a disk drive of the fifth workstation supporting a DBMS of goods and / or services with the possibility of full-text search, and the server of the supplier’s database of goods and / or services connected to the work unit is connected to the supplier’s terminal with suppliers through the provider database connection gateway.

A global computer system for cashless payments, including at least two cashless payment systems described above, is also proposed. The central servers of such systems are interconnected via a global computer network, and in each of them the central server of the system is designed to support at least one language common to the entire global system. The applicant is not aware of analogues of such a global system.

If at least two non-cash payment systems included in it are located on the territory of states with different languages, then the central server of at least one of these systems can be made to support an additional language and contains means for translating and / or transliterating information stored in a storage device the central server of the system, from an additional language to a common language and / or vice versa.

The unit for working with consumers of at least one of these cashless payment systems can be implemented with support for at least two languages of the consumer user interface.

The proposed method and system of cashless payments allow to solve the problems of the prior art, providing the possibility of organizing payments using mobile phones, without trying to replace the banking system that has been tested for centuries, allowing consumers to pay for any goods or services to a merchant, whether it’s an online store, a supermarket or a trade shop, by organizing the transfer of money from the consumer’s usual bank account to the bank account of the supplier of goods or services.

The approach embodied in the invention makes it possible to make payments without cash and without credit cards, with the help of, perhaps, the only tool that a modern person carries with him almost always, which is a mobile phone. Moreover, this approach is absolutely reliable and safe, and guarantees a reduction in costs and time and money.

Moreover, the invention does not introduce any “virtual” money and does not require additional transfers between real and virtual accounts, and does not even require the client to enter any information about himself or the payee (which is very important when using mobile phones).

So, a person receiving a salary in a regular bank account can register this account in the system and in a convenient way, designed specifically for mobile phones, with a single transfer to make payment to any entity whose account is also registered in the system. At the same time, as will be shown below, the client does not need to enter the Internet for this, and the trading entity does not need to organize an Internet site to sell their goods. Minimization of the input of information on a mobile phone is ensured by an organized payment system in response to a commercial offer formed by the central server of the system.

In addition, the use of the invention does not lead to any conflicts with the law and does not require a license from the state. The first is due to the fact that both in Russia and in all Western countries the concept of electronic signature is legalized. In fact, when organizing the next payment, the system can transmit to the bank a similar electronic signature of the consumer stored in the system, or, if necessary, entered by the consumer using the phone keys.

An important point is also that the system does not try to replace the banking sector and does not directly work with money. In fact, it is an automated client tool for remote wire transfers. The assertion that such a system does not require obtaining state licenses is based on this fact.

When using credit cards, consumers often have to resort to using ATMs. ATMs are rather cumbersome, expensive and require constant maintenance of equipment. In order to recoup all these expenses, the bank that owns the ATM is forced to take commissions from consumers for using the ATM (usually 1-3%). In the case of the system, such additional costs do not arise, because instead of ATMs, the consumer’s own equipment is used - his mobile phone.

List of figures of drawings and other materials

Figure 1 - structural diagram of the proposed system of cashless payments.

Figure 2 is a structural diagram of a central server system.

Figure 3 is a structural diagram of a block of work with consumers of the central server of the system.

4 is a block diagram of a block of work with suppliers of the central server of the system.

5 is a structural diagram of a second embodiment of a central server system.

6 is a block diagram of a block of work with consumers of the central server of the system in the embodiment shown in Fig.5.

7 is a block diagram of a block of work with suppliers of the central server of the system in the embodiment shown in Fig.5.

Fig. 8 is a simplified diagram of tables of a generalized database supported by a central server of the system.

Information confirming the possibility of carrying out the invention

Figure 1 presents the General structural diagram of the proposed computer system of cashless payments, in which the proposed method of cashless payments can be implemented. The main elements of the system are the central server of system 1, the supplier’s terminal 2, the consumer’s mobile electronic communications device 3, and the server of the consumer’s bank 4. In certain cases (but not necessarily), the supplier’s bank’s server can also be included in the system. 5. The supplier’s account can be opened in any bank, the only requirement is that the bank in which this account is opened, allows you to transfer money to it from the accounts of the bank (banks) of consumers.

The bank details of the consumer account are recorded in the system, in particular, in the database of information on consumers and their accounts maintained by the central server of system 1. The specified bank account of the consumer can be any “regular” bank account “on demand” (without time limits on the possibility of money withdrawal), which is registered in the system for a given consumer and from which the corresponding bank is ready to carry out money transfer operations to other accounts upon request of the central server of the system, including other banks, that is, to the accounts of suppliers of goods and / or services.

A mobile phone is just one (currently the most common) option for a mobile electronic communications device. Another option is a handheld computer (PDA or Personal Digital Assistant). Any available communication channel can be used to transfer information between the above system elements. Currently, the most affordable option is the global computer network (Internet), although in some cases it may be preferable to a local computer network, including wireless.

In the further description, the Internet will be considered as a means of exchanging data.

As shown in FIG. 1, the consumer’s mobile electronic communications device 3 is connected to the central server of system 1. The consumer can work with the proposed cashless payment system (logging in and confirming the purchase) in at least two ways: using the so-called “mobile Internet” "(that is, through a carrier’s gateway), or using one of the options for" local "connecting a mobile electronic communication device to a computer network to which the central server of the system is connected we are 1, and through which the latter is also preferably connected to the terminal of the provider 2 and the server of the consumer bank 4.

For example, if for some reason it is not possible to connect with a mobile operator, the seller of the store (representative of the supplier) can provide a connection to the system of a consumer who wants to pay for a specific product through the system, by connecting the consumer’s mobile phone via infrared (IrDA), or by Bluetooth technology (in translation - "Blue tooth", this is a universal technology for wireless communication of heterogeneous microprocessor devices of a local area network in the 2.4 GHz band), or using any other technology gii of local wireless data exchange between electronic devices, with a computer or any other electronic device that provides connection to the system, for example, via the global Internet. This means that a handheld computer without a communicator function (that is, without the possibility of connecting to a telecom operator’s gateway) can be used as a consumer’s mobile electronic communications device, while such a handheld computer, for example, has an infrared port.

Figure 2 presents the structural diagram of the central server of the system 1, where the arrows indicate the communication channels between the components and the preferred direction of information flows. The central server of system 1 can be made in the form of a computing device or system, representing a hardware and software complex, in many configurations, taking into account the volume and direction of the proposed cashless payment system in each case. The term "central server of the system" is used in this application in the sense of "central node of a computer system" and, as indicated above, allows its implementation in many ways. Details of the hardware and software implementation of the central server of the system, as well as other components of the proposed cashless payment system, do not belong to the essence of this invention.

As shown in FIG. 2, the central server of system 1 in the general implementation case may contain the following functional blocks: a block for working with suppliers 6, a block for working with consumers 7, a block for working with money transfers 8, a block for searching and displaying information about transactions 9, and a block generating authorization codes 10.

The central server of system 1 has a storage device (not shown separately in FIG. 2), which can be structured to contain the following memory areas: a storage area for data about consumers and their accounts, a storage area for data about suppliers and their accounts, a data storage area about commercial offers, a data storage area about transaction history and a storage area for authorization codes supporting, respectively, a database of information about consumers and their accounts 11, a database of information about suppliers and their accounts 1 2, the database of commercial offers 13, the database of transaction history 14 and the database of authorization codes 15. Such structuring of the storage device can take various forms: the storage device can be implemented both on one physical storage medium with several logical partitions, and on different physical media, including spaced on different workstations in the case of the implementation of the central system server in the form of a local network.

The block of work with suppliers 6 serves to connect the central server of system 1 with suppliers, in particular for:

- display and change of information about the supplier and his account (s) in the database of information about suppliers and their accounts 12; finding by the supplier of the consumer in the system (in the database of information about consumers and their accounts 11) by unique or pseudo-unique information (for example, by name) in order to further generate a commercial offer to this consumer;

- formation of commercial applications and viewing previously compiled proposals using the database of commercial offers 13;

- viewing information about transactions previously concluded by the supplier using the search box and displaying information about transactions 9.

The database of information on suppliers and their accounts 12 is maintained by the corresponding memory area of the storage device and contains data on suppliers (name and, optionally, address, contact numbers, company history, etc.) and their accounts (all bank details required for the organization are indicated transfers to them from consumer accounts). The information on a particular provider presented here can be viewed and edited without restrictions by the supplier himself from his terminal 2 through the supplier work unit 6. This information is used when organizing bank transfers to pay for transactions organized by the money transfer unit 8.

The database of commercial offers 13 is supported by the corresponding memory area of the storage device and contains data on commercial offers. For each offer, the supplier who made this offer, the consumer to whom it is made, the conditions of the offer (product, quantity, price) and the duration of the offer are indicated. Offers that have expired, and which the consumer has not used, are stored on the central server of the system for some time and are available after the expiration only to the appropriate supplier (he will be able to make the offer again, possibly changing the conditions in favor of the consumer ) Thus, all suppliers can create new offers in the database of commercial proposals 13 and view their old offers through the block with suppliers 6.

If the consumer confirms the desire to use one or another commercial offer, that is, when the consumer sends this mobile electronic communication device confirmation of the transfer of the transaction amount related to this commercial offer from the consumer’s bank account to the supplier’s bank account, the contents of the record about this offer in this database data is used by money transfer unit 8 to process a payment (in particular, to fill in the payment destination column and to find Provider and Consumer Information). If such a procedure is successfully completed, the contents of the commercial proposal are transferred for long-term storage to the transaction history database 14.

The database of transaction history 14 is supported by the corresponding memory area of the storage device and contains data on successful transactions. Each transaction record contains all the information about the corresponding commercial offer from the database of commercial offers 13, on the basis of which this transaction was made, as well as information about the transaction process (exact transaction time, payment completion status, bank payment number (if provided by the bank) etc.). The information stored here is used by the unit for searching and displaying information about transactions 9, as indicated below.

The unit for searching and displaying information about transactions 9 is used to provide opportunities for both suppliers and consumers to view information about transactions previously completed by them, stored in the database of transaction history 14, even after a considerable time after their completion. At the same time, it is possible for both the supplier and the consumer to view all of his transactions for the desired period of time, as well as the ability to search for transactions by keywords (for example, by the name of the sold / purchased goods or by the name of the supplier for the consumer, and by the supplier consumer identifier, for example, by his last name or first name). Actually, the possibility of using this block is provided for suppliers - a block of work with suppliers 6, and for consumers - a block of work with consumers 7.

The database of information about consumers and their accounts 11 is supported by the corresponding memory area of the storage device and contains data about consumers (last name, first name, middle name (or middle name), and, optionally, address, contact numbers, etc.) and their accounts (indicated all bank details necessary for organizing transfers from these accounts). The information on a particular consumer presented here can be viewed and edited without restrictions by the consumer himself through the consumer work unit 7. This information is used when organizing bank transfers to pay for transactions organized by the money transfer work unit 8.

Identification of a specific consumer in the database of consumers and their accounts 11 (for example, through the block of work with suppliers 6, the supplier who received a message from the consumer about the interest in certain goods and / or services) can be carried out not only by pseudo-unique textual information about the consumer, such as first name and surname, but also by a unique identifier of a person in a given country: passport number, social security card, etc. Such an identification, however, is bad in that it is not "international" ( like these are the identification scheme may be very different in different countries). That is, in this approach, the service of foreigners is difficult. To solve this problem, the consumer may have a unique code assigned to him by the system itself (naturally, such a coding system should be the same for all countries in order to be able to pay for purchases using the system in any other countries). This code can be stored and transmitted in one of the following forms:

(1) in printed form (the seller is forced to type this code on the keyboard) - when registering with the system, each end user (consumer) receives a card with the code printed on it in the system; he can carry such a card in his wallet, for example;

(2) in electronic form, this code can be stored on the consumer’s mobile phone or PDA, the code is either simply shown to the seller from the screen of such a device (again, the seller will have to type the code manually), or

(3) transferred to the seller using one of the technologies for organizing local data transfer between electronic devices (for example, via infrared connection (IrDA), or using Bluetooth technology).

(4) and the last, most technologically advanced and convenient option for both the consumer and the supplier, is to use a barcode encoding the unique identifier of the consumer in the system (even in the case of a global system). As noted earlier, such a barcode can be issued to the consumer during registration in the system and pasted, for example, on the back wall of the consumer’s mobile electronic communications device. To identify the consumer in the system, the seller (supplier’s employee) can only read this barcode using a barcode reader for goods that many stores in Russia and other countries are already equipped with.

The first option is not as technologically advanced as the others, but it may turn out to be useful in the absence of a consumer’s mobile device and the consumer’s lack of knowledge of his unique number in the system.

The second option is practically advisable only if the seller is not technically able to use the third or fourth option or there are some temporary difficulties with its use.

The unit of work with consumers 7 is used to connect the system with consumers, in particular for:

- display and change of information about the consumer and his account (s) in the database of information about consumers and their accounts 11;

- viewing current active (with no expired) commercial applications to the consumer from the database of commercial offers 13;

- viewing information about transactions previously concluded by the consumer using the search unit and displaying information about transactions 9;

- initiation of the organization of the payment transaction in the money transfer unit 8 upon receipt of an order from the consumer’s mobile electronic communication device to transfer the transaction amount from the consumer’s bank account to the supplier’s bank account;

- verification of consumer authority when working with the system, in particular, when making purchases - organization of verification of consumer authorization codes for purchases by checking them with codes stored in the database of authorization codes 15.

The block of work with money transfers 8 serves to organize the payment operation upon confirmation from the consumer of the block of work with consumers 7 of his desire to make a payment on a specific commercial offer. Moreover, on the basis of the record of this proposal from the database of commercial proposals 13, this block prepares a payment specification (payment order) for a bank working with the system in which the consumer holds an account. The information necessary for this about the consumer and his account (source of payment) and about the payee (supplier and his account) is obtained by this unit from the database of information about consumers and their accounts 11 and the database of information about suppliers and their accounts 12, respectively.

The authorization code generation unit 10 is used by the central server of system 1 to generate new payment authorization codes. These codes are provided to the consumer either in person (when visiting the bank or office of the company organizing the system), or electronically using a secure connection to a personal computer or mobile communication device (the way the codes are transmitted to consumers in FIG. 2 is not indicated in order to simplify the scheme). All new codes produced here are stored in the authorization code database 15.

The database of authorization codes 15 is supported by the corresponding memory area of the storage device and contains all currently unused shopping authorization codes for users of the system (consumers). These codes are obtained from the authorization code generation unit 10 and are used by the consumer work unit 7 to verify the authorization codes provided by the consumer when making purchases.

As shown in figure 2, the block of work with suppliers 6 is connected with the terminal of the supplier with the possibility of forming a commercial offer of the supplier to conclude a transaction in respect of goods and / or services. Consumer unit 7 is connected to a consumer’s mobile electronic communications device through the interface tools discussed above (gateway of a mobile operator or Internet terminal). The block of work with money transfers 8 is connected with the server of the consumer bank and the block of work with consumers 7. In this case, the storage area of data on consumers and their accounts and the storage area of data on commercial offers should be associated with the block of work with suppliers 6, block of work with consumers 7 and a block for working with money transfers 8, and the area for storing data on suppliers and their accounts with a block for working with suppliers 6 and a block for working with money transfers 8.

It is not necessary for the system to function, but it is preferable that the system also includes a supplier’s bank server (not shown in FIG. 2), which should be connected with the work unit with suppliers 6 of the central system server, and with the data storage area of suppliers and their accounts.

The unit for searching and displaying information about transactions 9 is associated with the data storage area about the history of transactions, the unit for working with suppliers 6 and the unit for working with consumers 7. The unit for generating authorization codes 10 is associated with the area for storing authorization codes, which, in turn, is associated with the unit work with consumers 7. The above connections between the central server system units are implemented by the information bus, for example, the motherboard (system) board, and, if necessary, network cables in combination with known network adapters.

In one embodiment, the central server of system 1 is one powerful multiprocessor (for example, of 8 processors) database server with a large amount of memory (RAM) (for example, 4 gigabytes or more) and large disk space (i.e. with large ROM size). To store each of the databases indicated in FIG. 2 and described below (for FIG. 5), it is advisable to use your own ROM, i.e. in this embodiment, the storage device of the central server of system 1 (not shown separately in the diagram) may consist of 6 separate disk drives.

At the same time, the efficiency and productivity of the central server of the system can be improved by implementing part of its functional blocks also on the specified database server. This is especially important for those blocks that are closely related to working with databases in their functionality. Such blocks, in particular, are a block for searching and displaying information about transactions 9 and a block for generating authorization codes 10.

The specified database server in this embodiment is a workstation (1st workstation) with an installed DBMS (database management system), for example, Oracle 9i, which supports a full-text search system, in particular Oracle Text (Oracle InterMedia Text) and containing six ROMs (each with a volume of, say, 100 gigabytes), random access memory (RAM - with a volume of, say, 4 gigabytes), eight processors, a network adapter, and an information bus connecting all components of the workstation. Each database (DB) can be stored on its ROM (preferably a disk drive) and work together with its processor. In particular, the following resources may be allocated to the above databases:

- A database of information about consumers and their accounts - the 1st processor and the 1st ROM;

- DB of information about suppliers and their accounts - 2nd processor and 2nd ROM;

- Database of commercial offers - 3rd processor and 3rd ROM;

- DB transaction history - 4th processor and 4th ROM;

- DB authorization codes - 5th processor and 5th ROM;

- Database of goods and services - 6th processor and 6th ROM.

In addition, at the same workstation are implemented:

- a block for searching and displaying information about transactions - on the 7th processor and 4th ROM (i.e., the 4th ROM has two memory areas - for storing a transaction history database and for storing program code for a block for searching and displaying information about transactions );

- authorization code generation unit - on the 8th processor and 5th ROM (i.e., the 5th ROM has two memory areas - for storing the authorization code database and for storing the authorization code generation program code block).

A workstation is understood to mean the place of the system operator equipped with the tools necessary to control the functioning of the hardware and software complex of the corresponding functional unit, in particular, to maintain the corresponding database. The workstation, as a rule, includes a physical system unit, a monitor, a keyboard, as well as other well-known information input-output devices.

Each of the remaining blocks of the central server of system 1 described above can be implemented on its own separate workstation of the following form:

For each of the blocks for working with consumers and working with suppliers, a workstation (a block for working with consumers on the 2nd workstation, and a block for working with suppliers on the 3rd workstation) can be allocated, containing a processor, RAM, ROM, network adapter and an information bus, and connected via an additional network adapter to an external computer network, such as the Internet.

For the work with money transfers block, a 4th workstation can be allocated, containing a processor, RAM, ROM, a network adapter and an information bus, and connected via a modem to external bank computer networks (the modem is connected to a cable telephone network).

It is assumed that in order to ensure maximum security when working with customer accounts, banks will prefer to work with the cashless payment system through a modem rather than via the Internet. So, for example, at present, organizations working with Sberbank of Russia can each work remotely with their account (find out the status of the account and organize transfers from it (payment) to other accounts) by connecting one of their computers through a modem directly to the bank server. To organize work in this way, Sberbank of Russia provides its customers with Client-Sberbank software. It should be noted, however, that this software enables the organization in which it is installed to work only with its own account, and requires the bank attributes of the payee to be entered each time a payment is made.

However, in cooperation with the bank’s specialists, in a way that is obvious to the specialists, such software can be expanded with the capabilities necessary for the system, in particular for ensuring work with the accounts of various customers of the system. Automation of work with suppliers' accounts should be carried out by the system’s own software installed on the 4th workstation.

So, in particular, similar software for communication with the system bank server via a modem should also be installed on the 4th workstation. If this installation of the system supports work with several banks of the system at once (i.e., banks cooperating with the system), then it may turn out that on this workstation it is necessary to install its own software for working with the servers of each bank separately.

In the described embodiment of the system in each of the four specified workstations, the main network adapter is used to switch these stations together, as described below. The additional network adapters available at the 2nd and 3rd stations are designed for switching each of them with the Internet computer network, to which the terminals of suppliers are connected (for each supplier), on the other hand, are the gateways of consumer communication operators, in addition, Internet terminals can be connected to it to provide local connection of mobile communication devices to the system.

To combine all four of these workstations into a single local network that implements the central server of the system, you also need a network switching device that provides switching of all workstations with each other and designed to work in a network of at least category 5 (i.e., with data transfer rates of at least 100 megabits / s). At the same time, in all workstations, to ensure a reasonable speed of operation, it is necessary that all of the specified network adapters and cables connecting them to the network switching device should also be at least category 5.

Figure 3 presents the structural diagram indicated in figure 1, the unit of work with consumers 7, where the arrows indicate the communication channels between the components and the preferred direction of information flows. The unit for working with consumers 7 is connected via the Internet with interface means that provide access to the consumer’s mobile electronic communications device 3 to the central server of system 1. These include the mobile operator’s gateway 17, the Internet terminal 18, and the Internet resources 19 proper.

Here and below in the description, “sub-block” means a set of functionally related hardware and software tools concentrated in the physical system unit of the workstation. The subunit can be implemented on a processor, logically or physically separate data carrier, on which the corresponding software is recorded, and memory modules for storing the processed data. Data exchange between elements of a subblock or different subblocks is carried out through the system bus. Depending on the functional purpose of a particular subunit, information processing can be carried out by a specialized integrated circuit. A variant is also possible in which the operation of several subunits is provided by a single processor. The interaction of the subunits is provided by known methods of addressing information.

The unit for working with consumers 7, as described above, can be made as a separate workstation of the central server of the system and consists of the following subunits: subunit of the user interface of the consumer 20, subunit of authorization of payment 21, subunit of work with SMS messages 22, and subunit of encoding / decoding information 23.

The system interacts with the consumer through his mobile electronic communications device via the Internet, in particular, by connecting this device to the central server of the system through the carrier’s gateway 17. Connecting mobile electronic devices to the central server of the system through the carrier’s gateway 17 is provided using WAP protocols ( Wireless Application Protocol) or GPRS (General Packet Radio Service). From the central server side of the system, a workstation is connected to the Internet (using its additional network adapter), which implements a unit for working with consumers 7.

Another option is to connect the consumer’s mobile electronic communications device 3 via the Internet terminal 18 to which the communication device is connected locally (via infrared, Bluetooth, or another local communication method). Such an Internet terminal can be installed both at the consumer’s home, and in his office, or in the store where he makes a purchase. The ability to connect a consumer’s mobile device to the system through a “stationary” terminal can be especially useful in places where communication with a telecom operator is not available, and this, unfortunately, is not uncommon, for example, in stores with thick walls.

The sub-unit for working with SMS messages 22 is used to generate and send SMS messages (Short Messaging Service) to the consumer in those cases when he needs to be informed about events in the system that occur without his participation (for example, when there is no connection between the mobile electronic communication device consumer 3 and the central server of the system), but concerning him personally. In particular, the sub-block for working with SMS messages 22 is used to transmit information to the consumer about the appearance in the database of commercial proposals 13 of a new commercial proposal from a certain supplier for this consumer in cases where the supplier indicated that such a notification is necessary (there is no need to send such a message , for example, in personal communication between the consumer and the supplier (seller) in the store).

The SMS message is sent to the consumer’s mobile electronic communications device 3 using the carrier’s gateway 17.

The consumer user interface subunit 20 organizes direct communication of the system with the consumer through his mobile electronic communication device by displaying system information on the display of the mobile device and entering information in the ways provided by this device (in particular, using keys or a virtual keyboard with a stylus). This subunit provides the consumer with the following system components, as described above in relation to Figure 2:

- database of commercial offers 13 (viewing offers, accepting, or rejecting any of them);

- a block for searching and displaying information about transactions 9 (viewing and searching for transactions previously completed by this consumer);

- a database of information about consumers and their accounts 11 (viewing and editing information about yourself and your accounts).

Also, this sub-block of the user interface of the consumer 20, after receiving the confirmation of the consumer for any of the commercial offers, refers to the block of work with money transfers 8 to arrange payment for this proposal.

The proposed non-cash payment system may provide for the possibility of a refund, unlike a number of Internet payment systems based on the use of "virtual money", in which no refund is possible, which is presented by the organizers of such systems as an advantage, since the supplier (recipient of the payment ) receives an "immediate" guarantee that the money will not be withdrawn by the payer (consumer), and therefore, immediately after the implementation of such a "non-canceled" transfer of money between virtual accounts E, the supplier can immediately transfer the goods to the customer.

In this regard, firstly, it should be noted that such a scheme violates the rights of the consumer, because does not give any opportunity to correct the mistake made.

Secondly, it is important to note that, as is customary in the banking sector, the one who initiates the payment can cancel it. Of course, when a person pays for goods or services at the bank's cash desk, the payment operation is carried out personally by the person and the bank provides the person with the opportunity to cancel this operation within a certain time. And in connection with this, suppliers of goods in the event of such a payment often do not ship the goods to the consumer until the money has been fully transferred to their account, i.e. when the money transfer operation can no longer be canceled by the client (consumer).

However, in the proposed system, the transfer is not organized personally by the consumer, but by the system on his behalf. Thus, it is the system that has the ability to cancel the transfer, and it is it that is able to provide a reasonable scheme that suits both parties: both the consumer and the supplier.

The system proposes to have a consumer-configurable time interval during which the consumer can cancel the payment operation. This value may be, for example, one hour. During this hour, the provider using his Internet terminal will see that the payment transaction has been initiated, but has not yet been finally confirmed. During this period of time, the consumer has the right to once again verify all information about the payment and refuse it, or, on the contrary, to explicitly refuse such an opportunity by confirming the purchase again, and thus reducing the waiting time for the delivery of goods.

In addition, in the proposed system, a lending scheme in conjunction with accounts registered in the system may be useful. So, for example, if a salary bank account is registered in the system, then in the absence or lack of money in the account, a fine or utility bills with the consent of the bank can be paid on credit. Upon receipt of the next transfer of salaries from the organization in which the consumer works, the amount issued on credit, plus the corresponding percentage (for using the loan), automatically goes to the bank. Of course, in the case of the provision of such a loan by the bank, the consumer should be notified about this by the system.

The indicated mechanisms for canceling payments and informing the consumer about loans granted by the bank can also be implemented in the sub-block of the user interface of the consumer 20.

The user user interface can be implemented in a subunit of the user user interface 20 either in the WML language (Wireless Markup Language, any mobile communication device that supports the WAP protocol must work with this language, because these are interconnected technologies), or in the Java language (J2ME). WAP, WML, GPRS standards are developed by Open Mobile Alliance Ltd. (OMA). The Java 2 Micro Edition (J2ME) standards as well as Personal Java are developed by SUN Microsystems.

In the case of using WML, the memory of the mobile device is not used, the consumer works with the system, connecting to the Internet WAP site of the system (working, as an option, on one of the workstations of the central server of the system). The transfer of information between the mobile device and the central server of the system in this case is carried out by means of the WAP protocol.

In the latter case, when Java is used, a Java application (J2ME) is installed on the consumer’s mobile device that implements the consumer’s user interface (the application can be installed, for example, by a telecom operator or by the consumer himself by downloading the application from the Internet). The interaction of such an application with the central server of system 1 is carried out by directly connecting the mobile device to the Internet via any of the WAP or GPRS protocols. It is important to note that this option of working with the system (using the Java application) is more preferable, since it requires the transfer of less data between the mobile device and the system (by storing the application in the memory of the mobile device), that is, this method works faster, and while the expressive means of the Java language are more developed, therefore the user interface in this case is also more convenient for consumers.

The possibility of implementing the proposed cashless payment system in Russia is ensured by the fact that the use of WAP and GPRS protocols to connect mobile phones and PDAs with the communicator function to the Internet is supported by all major Russian mobile operators, in particular, MTS, Beeline and Megafon , their consumers only need to have a mobile phone or PDA with WAP or GPRS support. At present, at least 80% of mobile phone models sold in Russia and abroad support WAP protocol (only the most low-cost phones deprive their users of the ability to access the Internet and work with WAP sites). And also about 20% of the phones sold support GPRS technology, almost all of them also support working with Java applications.

Thus, at the moment, a significant part of mobile phone users in Russia and abroad already have the opportunity to directly work with the proposed system from their mobile phones.

Among such mobile phones that are maximally adapted to work in the proposed system, it is worth highlighting the following models:

Sony Ericsson P800 (GPRS, MMS, Java, Personal Java, screen 208 × 320);

Nokia 3650 (GPRS, MMS, Java, Personal Java, screen 176 × 208);

Nokia 7650 (GPRS, Java, screen 176 × 208);

Samsung SGH-S100 (GPRS, Java, 128 × 160 screen);

Motorola V600 (GPRS, MMS, Java, 120 × 160 screen);

Sharp GX1, GX10 (GPRS, MMS, Java, 120 × 160 screen);

Panasonic GD87 (GPRS, MMS, Java, screen 120 × 160);

LG G8000 (GPRS, MMS, Java, screen 176 × 220);

NEC e525, N8 (GPRS, MMS screen 162 × 216).

As for handheld computers (PDAs), any of them with a communicator function is very well suited to work directly with the system from the very beginning. This is due to the fact that on such devices the screen is large enough and user input of information is very convenient. Although it is important to note that due to the much larger size, such devices are much less popular in comparison with mobile phones. Therefore, the main potential users of the system should be mobile phone users.

Among the devices of the type indicated here (PDA with communicator functions), with the help of which consumers can work with the system, it is worth highlighting:

Nokia 9210, 9210i, 9290 (Java, Personal Java, 640 × 200 screen);

Motorola Accompli 008 (GPRS, Java, 240 × 320 screen);

Motorola Accompli 008 (GPRS, Java, 240 × 160 screen);

Motorola A388 (GPRS, Java, 240 × 320 screen);

Blackberry 5810, 5820 (GPRS, Java, 160 × 160 screen).

As indicated above, the consumer’s work through his mobile electronic communication device 3 with the system using the user interface in either WML or Java (J2ME) is also possible by connecting the mobile device to the Internet via the above-mentioned Internet terminal 18 with an infrared port or Bluetooth adapter (consider the example of IrDA - infrared port). As the Internet terminal 18, for example, both a portable personal computer (laptop) and a stationary personal computer, for example, of the following configuration can be used:

- processor (e.g. Intel Pentium III, 1 GHz),

- RAM (for example, Samsung 256 MB memory card),

- ROM (for example, an IBM hard drive with a capacity of 500 megabytes),

- network adapter (for example, Intel EtherExpress Pro, category 5 -100 Mb / s),

- information bus (implemented as, for example, Asustek P3B-F motherboard (system)).

- adapter with infrared IrDA (for example, Asustek BF-120);

- standard input / output devices: keyboard, mouse, display (for example, a Samsung monitor with a diagonal size of 15 inches).

In this case, the network adapter must be connected to the Internet, for example, by means of a permanent cable connection with the Internet service provider.

Thus, any mobile phone or PDA with an infrared port (currently equipped with almost all models of PDAs and at least 80% of the models on the market for mobile phones) can connect to such a personal computer connected to the Internet , and, in turn, also get the opportunity to access the Internet 19 to work in the system.

As indicated above, the subunit of the user interface of the consumer 20 is associated with the database of commercial offers 13, which allows you to send the consumer created commercial offers for him. A sub-block of the user interface of the consumer 20 is also associated with a block for searching and displaying information about transactions 9, which gives the consumer access to information about transactions completed by him, stored in the database of transaction history 14. If a printer is also connected to the Internet terminal of consumer 18, then the consumer has the opportunity print the history of their transfers (transactions). To do this, the consumer needs to enter the website via the Internet, working on the workstation of the central server of the system that implements the unit for working with consumers 7, indicate his name and password in the system and use the search and print function of transactions implemented by this website.

The payment authorization sub-block 21 is used to verify consumer payment authorization codes using the database of authorization codes 15, as described above in connection with FIG. 2. For the transmission of codes, encryption is used, therefore, for decoding information, this subunit works with the encoding / decoding information subunit 23.

The information encoding / decoding subunit 23 is used to provide secure transmission of information using encryption. Information that is not intended for outside viewing is transmitted through this block. So, if possible, all payment authorization codes are encoded by the consumer’s mobile electronic communication device (for example, using a Java application running on the consumer’s mobile device) and decoded in this sub-block and then sent to the payment authorization sub-block 21 for verification. Also, the use of encryption is desirable when the client’s work with information about himself and about his accounts (that is, with a database of information about consumers and their accounts 11).

Encryption can also be provided when working with any other information, with the exception of information about goods and services from suppliers transmitted to the central server of the system, as indicated below when considering FIGS. 5-7, since this information is essentially open to all .

The cashless payment system preferably provides several levels of security for transactions. Firstly, to enter the system, the consumer must enter a password from a mobile electronic communication device. For authorization of orders to transfer the transaction amount in respect of goods and / or services, personal codes (or PIN codes) are used: when using an account registered in the system, the consumer receives from the bank (for example, when he personally addresses the bank, the consumer receives a printout of such codes) or system list of one-time PINs. In the latter case, PIN codes are generated by the authorization code generation unit 10 of the central server of the system and entered into the database of authorization codes 15. One of the methods for transferring and storing PIN codes generated by the system in this way is that these codes are sent through the authorization subunit payment 21 and a subunit of the user interface of the consumer 20 to the mobile electronic communications device of the consumer 3, where they are stored in encrypted form until use.

When sending an order to transfer the transaction amount, the consumer must enter one of these codes or, equivalently, use one of the codes previously stored on his mobile communication device (of course, working with the device’s memory area that stores PIN codes will require an additional password). Since the PIN codes are encoded during transmission, the received or transmitted PIN codes pass through the information encoding / decoding subunit 23. After the first use, the PIN code becomes invalid. At the request of the end user or the bank, a PIN code usage bar can be set. That is, when shopping for an amount lower than the specified PIN code is not required (it is enough that the user entered a password to work with the system).

It is assumed that such a restriction will be established by the bank (in order to limit the possible amount of consumer claims), and at the request of the client, the limit on the transaction amount can be even more severely limited (to ensure even greater security than that provided by the bank).

The use of PIN codes is necessary to ensure the repeatability of the contents of packets sent by a consumer using a mobile device (that is, if someone even manages to intercept one of these packets, he will not be able to simulate a similar purchase operation on his own). As indicated above, at one time, a consumer can receive many PIN codes for tens or even hundreds of transactions in the future. That is, he will have to apply for new codes quite rarely. To provide the possibility of storing data in the memory of a mobile electronic communication device 3 in encoded form, it is sufficient to support the J2ME language, since this ensures that the device has the necessary memory (this is a J2ME language requirement) and the ability to encode / decode data using J2ME (Java ) an application installed on such a device. In this case, a scheme may be provided for the automatic destruction of all PIN codes stored in the device’s memory in case of repeated (for example, 3-fold) incorrect set of passwords for working with PIN codes.

In addition, as an additional security measure when buying an amount in excess of a certain amount specified in the system, it may be necessary to contact a bank or system operator to answer questions previously fixed by the consumer during registration in the system (address, birthday, mother's maiden name, etc.) .P.).

Finally, in almost all modern telephones and PDAs at the hardware level, it is possible to obtain a unique phone identifier (serial number). This number can be remembered by the system at the time of registering a consumer in the system, that is, entering consumer data into a database of information about consumers and their accounts 11. Then, when making payments, this number is also transmitted through a sub-block of the user interface of the consumer 20 and a sub-block for encoding / decoding information 23 in payment authorization sub-block 21 to verify that payment is being made from the corresponding telephone (for an additional verification that this payment is made exactly by the consumer Lem, using the user's password system, PIN-codes and, if necessary, voice communication with the bank, as described above).

The consumer user interface subunit 20 is also associated with the money transfer unit 8, which, in the above embodiment of the central system server implementation, is represented by a separate workstation on the local network of the central system server. After the supplier’s quotation is transmitted to consumer’s mobile electronic communication device 3 and displayed on the display of the specified mobile device, the consumer presses the corresponding key or several keys (if necessary, select and enter, for example, a PIN-code or password to retrieve the next PIN code from the memory) on your mobile device and thereby sends to the sub-block of the user interface of the consumer 20 an order to transfer the transaction amount, which is it is transmitted through the block of work with money transfers 8 to the server of the consumer bank 4.

With the development of information technology, the task of protecting consumers from "informational garbage" of an advertising nature has become very urgent. In the proposed system, a consumer can receive commercial offers on his mobile electronic communication device from a variety of suppliers, including unscrupulous ones, who may try to “overwhelm” all or some specific consumers of the system with commercial offers that recipients are not at all interested in. To protect consumers, the following approach is provided:

- commercial offers can be sent to the consumer by those suppliers for whose goods this consumer has clearly expressed interest (i.e., through a central server of the system, he has made a request to this specific supplier for the possibility of purchasing a specific product);

- the consumer has the ability to maintain his own list (the so-called “white list”) of those suppliers or organizations to which he is allowed to send him commercial offers not even in response to his own request;

- and vice versa, a consumer can include one or another supplier in his own "black list", i.e. tell the system that it does not want to “hear” anything about this provider. Thus, at least, this supplier will not be able to send any commercial offers to this consumer, or (this may be a special flag in the black list), the consumer never wants to see information about this provider and his supplier on the display of his mobile electronic communication device goods;

- in addition, in order to make it possible to pay for purchases using the described system, for example, in a store (that is, in the case when the supplier is not included in the “white list” and there is neither time nor special desire to add this supplier to such a list), the consumer using his mobile electronic communications device can temporarily enter the open mode to receive commercial offers from any suppliers other than those included in the black list of this consumer. New offers will be remembered for this consumer and displayed on his mobile device until the consumer leaves this mode (i.e. until he completes the payment for a specific purchase in the store);

- to ensure that consumers can receive offers from government agencies (utilities, traffic police, tax authorities, etc.), such services receive a privileged status in the system, i.e. initially they can also send commercial (or conditionally commercial) offers to any consumer of the system.

It is worth noting that if it is impossible to formulate a commercial offer for a given consumer, the supplier will know about it immediately, even before he begins to formulate such a proposal in the user interface of the suppliers. This can save him time, and in addition, this mechanism makes it possible to quickly find out if the potential consumer is "friendly" or not. For example, suppliers could provide special additional discounts to those who have been in the white list for a long time (the system could also give similar information about the supplier’s time in the supplier’s white list).

All the above interface settings can be carried out by the consumer from his mobile electronic communication device through the unit for working with consumers 7 and stored in the database of information about consumers and their accounts 11.

Figure 4 presents the structural diagram of the block shown in Figure 1, the block of work with suppliers 6, where the arrows indicate the communication channels between the components and the preferred direction of information flows. Like the unit for working with consumers 7, the unit for working with suppliers 6 is connected via the Internet with interface tools that provide the ability to exchange data between the terminal of the provider 2 and the central server of system 1. These tools include the network adapter of the terminal of the supplier 2 and Internet resources 19 .

The supplier’s terminal 2, like the server of the consumer’s bank 4, generally means a computing device or system (database server, workstation, etc.) that can exchange digital data with the central server of system 1 using electromagnetic signals, by wired or wireless communication lines, preferably via the Internet. Such a device, as a rule, has at least one processor (central processor), RAM, ROM, information bus, input-output devices and the aforementioned network adapter for connecting to other elements of the system, in particular to the central server of system 1. Unlike of the consumer’s Internet terminal discussed above, an infrared port is not required for the supplier’s terminal, since the user (provider’s operator) in this case works directly with this terminal, connecting other devices is not required etsya. It is also important here to have a monitor with a sufficiently large screen size for the convenience of working with information. Of the software on such a terminal, in one of the options for implementing the user interface of the system, only a program for viewing Internet sites (Web browser) with support for the Java language version J2SE is required.

To organize work with the supplier, the block for work with suppliers 6 contains a subunit of the user interface of the supplier 24, which organizes the direct communication of the system with the supplier through its Internet terminal. This subunit provides the supplier with the following components of the central server of the system, as described above in connection with FIG. 2:

- database of commercial offers 13 (view of offers previously created by this supplier);

- a unit for searching and displaying information about transactions 9 (viewing and searching for transactions previously completed by this supplier);

- a database of information about suppliers and their accounts 12 (viewing and editing information about yourself and your accounts).

The sub-block for creating commercial offers 26 serves to create new commercial offers to consumers. As part of the procedure for adding such an offer, the supplier in one way or another (by phone, e-mail, fax, ICQ (an interactive communication system on the Internet that allows you to find interest partners in the network and exchange messages with them in real time - a Mirabilis product), or while in person, for example, in a store), he learns from the consumer about his needs and, through a sub-block of the supplier’s user interface, 24 enters the relevant information into the offer (type of goods, quantity, price, possibly , conditions of guarantee, delivery, etc.), indicating at the same time the period of validity of this offer allowed by him.

Searching for a consumer in the system (in order to identify it when creating a commercial offer) is carried out using one of the previously mentioned methods using a database of information about consumers and their accounts 11.

Newly created commercial offers for registered customers in the system fall into the database of commercial offers 13.

The information encoding / decoding subunit 25 performs the same information encryption functions as the subunit 23 of the consumer unit 7 of the same name (Fig. 3).

All the user interface necessary for the supplier can be implemented by an Internet site working on a workstation of the central server of the system that implements the block of work with suppliers 6, in particular, a sub-block of the user interface of supplier 24. This site, as well as the site serving consumers, are implemented using HTML languages and Java (J2SE) (the actual contents of the interface), as well as using the Apache software (a freely distributed HTTP server provided by the Apache Software Foundation), which organizes the work of My site (that is, providing information on the Internet and receiving information from the Internet).

On the one hand, the sub-block of the user interface of the supplier 24 is connected via the Internet to the terminal of the supplier 2, and on the other hand, to the database of commercial offers 13, a database of information about suppliers and their accounts 12, and a unit for searching and displaying information about transactions 9.

Since the unit for searching and displaying information about transactions 9 is connected to the database of transaction history 14, as explained above with respect to FIG. 1, a printer can be connected to the terminal of the supplier 2 to print the history of transactions of this supplier.

In a preferred embodiment of the system, the terminal of the supplier 2 includes a server of the database of goods and / or services of the supplier — a computer that stores and processes information about the goods and services of the supplier currently available for sale. The only requirement for connecting such a server to the central server of the system is the implementation of the provider database connection gateway. This gateway can be both a part of the supplier’s server and a separate computer specially used for connecting the supplier’s server to the central server of the system. The following describes one of the possible approaches to creating such gateways based on the use of the popular and well-known standard for organizing remote object interaction CORBA (Common Object Request Broker Architecture), developed by OMG (Object Management Group).

If you want to connect to the system in this way, the vendor’s specialists must implement the specified gateway (using arbitrary equipment, for example, the same as the supplier’s terminal, and software in an arbitrary programming language, such as Java or C ++) so that it provides outside ( on the Internet) an interface described in IDL (the standard of which is part of the CORBA standard) for performing operations necessary for the system with the data of the supplier’s database server. In particular, among such operations, the following can be noted:

- issuing a list of names of all available goods;

- for the product indicated by the name, the issuance of its price and characteristics;

- for the specified by the name of the goods issuance of its quantity in the warehouse;

- verification of the availability of the specified goods in the warehouse in the required quantity;

- blocking the specified goods in the warehouse until the end of the consumer payment procedure for this product;

- transfer of the specified product to the sold status after the end of the payment process by the consumer and organization of the process of shipment of the goods to the specified consumer (his name and address and / or contact phone number are indicated).

The specified interface is fixed and described by the system itself (more precisely, by specialists of the company supporting it) in the IDL language. Any supplier who wants to organize a fully automatic procedure for the sale of their goods must perform the following actions:

1. Get this description of the interface in the IDL language;

2. Implement a gateway to connect your database to the central server of the system in such a way that the specified interface is provided externally using a CORBA object (the procedure for creating such objects is described by the CORBA standard);

3. Register the received CORBA object in the system through the Internet site of suppliers working on one of the workstations of the central server of the system. A similar procedure for passing a reference to a CORBA object outside (that is, registering an object) is also described by the CORBA standard.

After that, the system is able to automatically sell the goods of this supplier due to the connection between the subunit of the user interface of the supplier 24 and the database of commercial offers 13. For this, within the framework of software written, for example, in the Java language (J2SE), running on one of the central workstations the server of the system, when necessary (a description of the steps to complete the automatic procedure for selling goods is discussed below with reference to Fig.6), the corresponding function the functionality of the supplier’s product database server by calling the specified operations of an object registered in the CORBA system. The procedure for such a remote operation call is described in the framework of the CORBA standard.

The following is an example of the implementation of the proposed method of making cashless transactions using mobile electronic communication devices in the basic version of the system:

The supplier in one way or another (by phone, e-mail, fax, ICQ, or in person, for example, in a store) learns from the consumer about his needs for the goods (service) available from this supplier.

Using an Internet terminal connected to the central server of the system (namely, the unit for working with suppliers 6), the supplier finds this consumer (more precisely, his unique identifier) in the system using a database of information about consumers and their accounts 11 and makes a commercial offer to this to the consumer in the database of commercial offers 13 of the central server of the system, indicating in it a unique identifier of the consumer in the system, type of product, quantity, price, possibly warranty conditions, delivery, etc.

If the supplier so desires, the central server of the system (namely, the unit for working with consumers 7) informs the consumer about the newly created offer for him by sending an SMS message to his mobile electronic communications device (mobile phone, PDA, pager);

Having received an SMS message, or without it, from his mobile device, the consumer enters the system (while collecting the system password) and immediately sees a list of active commercial offers from suppliers, among which he selects the desired offer.

After checking all the information about the offer displayed on the display of the mobile device, the consumer decides to either reject the offer (it becomes inaccessible to the consumer and this chain breaks), or agree with it (the choice is made by pressing the only button on the mobile device), thereby sending to the central server system order to transfer the transaction amount in relation to the supplier’s offer from his bank account to the supplier’s bank account.

If the consumer agrees to the offer, the central server of the system checks the payment authorization (the consumer either dials the authorization code, or uses one of the codes previously stored on his mobile device, transfers this code to the unit for working with consumers 7, which checks the code using the database authorization codes 15, which stores codes previously generated by the authorization code generation unit 10 and transmitted to the consumer "personally").

After successful authorization, the unit for working with consumers 7 transmits an indication of the offer to the unit for working with money transfers 8.

The money transfer unit 8, on the basis of information from the database of commercial offers 13, the database of information about suppliers and their accounts 12 and the database of information about consumers and their accounts 11 forms a payment specification (payment order) for the bank in which the consumer holds the account , and transfers it to the specified bank through the communication channel with the server of the bank 4.

The bank initiates the payment in accordance with the payment order created and sent by the central server of the system and notifies the central server of the system of success or failure (the payment initiation operation may be unsuccessful, for example, if the consumer does not have enough money in the account and the bank is not ready to provide him with the appropriate credit).

In case of successful organization of the payment, on the basis of the corresponding commercial offer from the database of commercial offers 13, as well as information about the transaction process (exact transaction time, payment completion status, bank payment number (if provided by the bank), etc.), a new record is made about the transaction a transaction, which is placed in the database of transaction history 14 and immediately becomes available for viewing and search for both the supplier and the consumer using the search and display information about transactions 9.

On his Internet terminal, within the framework of the user interface provided by the block for work with suppliers 6, the supplier can now see (both when viewing the status of the corresponding commercial offer and when viewing information about previously completed transactions) that the transaction amount has been transferred by the consumer through the system. If the system provides an opportunity for a consumer to cancel a money transfer operation, the supplier waits either for the end of the period of possible cancellation allotted by the system or for the explicit refusal of the cancellation made by the consumer for this specific payment (such information is available to the supplier as part of the status of the corresponding commercial offer).

When the supplier is fully confident that the money will come to his account, he organizes the shipment of the goods to the consumer, which completes the transaction.

The scope of potential application of the proposed method and system of cashless payments is very wide. Using the system, the system of utility payments is easily automated in such a way that utility services (in automatic mode) by sending a new commercial offer in the system send each month an offer to pay for their services on the client’s mobile phone, which only has to confirm the payment by two or three clicks on the phone’s buttons .

It is also worth noting that, in addition to significant time savings for the payer himself, the widespread widespread introduction of such a cashless payment system will also ensure a significant reduction in the queues in state or related structures (in Russia, for example, Sberbank of the Russian Federation) through which utility payments are currently being made . This will allow the state and the banks cooperating with it to significantly reduce the costs of organizing utility bills and reduce the time spent on people contacting such banks and public services on other issues or without mobile phones connected to the system.

In addition, the described system of organizing payments can be very useful for organizing other types of payments as well, for example, paying fines for the traffic police (traffic police). So, in the framework of the fight against corruption, at the moment in Russia there is a provision according to which traffic police inspectors are not allowed to take fines from a motorist on the spot in cash (a similar system is common in many other countries). Instead, they write out a receipt that must be paid. For such a payment, the fined will need to spend time visiting the bank (see also the aspect of queues at banks mentioned above). Instead, the inspector, in agreement with the driver of the vehicle, forms a "commercial offer" to pay a fine using the system.

Proposal formation can be automated based on the use of either official communication tools with the traffic police “fines server” dispatcher or an inspector of a mobile computer with remote wireless connection to such a server (or, rather, an analog of such a computer with simplified functionality). To identify a car enthusiast, the number of his driver’s license can be used (to automate the clarification and transfer of the number, a bar code on the driver’s license can be used). Actually, the “server of fines” on the basis of the license number forms the proposal to pay the penalty to the motorist within the system. As described above, within the framework of the system, a person can only press the buttons on his mobile electronic communication device to confirm the payment. And you won’t have to go anywhere.

The whole process can take a matter of seconds, that is, non-cash payment of a fine can occur directly on the road in the presence of the traffic police inspector (in fact, it is the fact that payment is made from the user's personal mobile device). Perhaps such efficiency in some cases will even avoid the removal of a driver’s license. So, for example, such a withdrawal of a driver’s license may be required if a person has not paid several fines previously issued to him and again violated the rules. In order to avoid such an undesirable event as the removal of a driver’s license, a person will be able to pay all his previous fines and a new fine right at the scene of a new violation. The fact of payment will be confirmed to the "fines server" of the traffic police, who will be able to immediately notify the inspector in one form or another about this (for example, through the communication manager).

Naturally, in such an implementation of the system, the driver will not be given the right to cancel the payment operation described above. Only in this case will the inspector be able to quickly see that the payment is indeed completed.

Thus, the use of the proposed cashless payment system is especially advantageous when the need for payment arises unexpectedly, or, conversely, is required at regular intervals.

5 is a structural diagram of a second embodiment of a central system server. In this option, the proposed cashless payment system allows the consumer not only to make a bank transfer of money through his mobile electronic communications device, but also to pre-select the desired product and / or service among the same types offered by various suppliers.

For this purpose, the storage device of the central server of the system contains an additional memory area - a storage area for data on goods and / or services, supporting a database of goods and / or services 27. Information about goods and services in this database comes in a structured form (in a given format) from the block of work with suppliers 6. Using this block, suppliers can view and edit information about their goods stored in the database of goods and / or services 27. It is important to note that information about goods and services of systems It can be distributed and, as some of this information can actually be stored on the suppliers database servers, as described below for FIG. 7.

Information from the database of goods and / or services 27 is provided to consumers (customers of the system) through the unit of work with consumers 7. In addition, it is possible to directly connect the units of work with suppliers and consumers 6, 7 to make it possible to organize the purchase of goods or services found by the consumer in the specified database. In the rest, the structure of the central server of the system is similar to the structure of the basic embodiment (Figure 2).

Figure 6 presents the structural diagram of the unit for working with consumers 7 in the second embodiment of the central server of the system, where the arrows indicate the communication channels between the components and the preferred direction of information flows.

Compared with the basic version of the consumer unit described above and shown in FIG. 3, in this embodiment, the consumer unit has the following features.

The consumer user interface subunit 20 prepares information on goods and services registered in the system of suppliers (obtained from the database of goods and services 27) in a convenient form for displaying on a small display and transmits it to the consumer’s mobile electronic communications device 3. Information can be viewed on the specified device when connected to the central server of the system both through the gateway of the communication operator 17, and through a certain Internet terminal 18, to which the communication device is connected locally (via infrared th port, Bluetooth or other local communication method).

As indicated above in relation to FIG. 5, the user interface sub-block of the consumer 20 has a direct connection with the block of work with suppliers 6, which is used by him to organize the purchase of the goods or services of interest to the consumer. In this case, two different ways of organizing a purchase should be noted.

A purchase based on communication with the supplier: a subset of the user interface of the consumer 20 refers to the subunit of the user interface of the supplier 24 (shown in Fig. 7) with a request for a specific product or service found by the consumer when viewing information from the database of goods and services 27. Operator (person ) behind the supplier’s terminal 2 receives such a request from the central server of the system and checks the possibility of selling the necessary quantity of goods, possibly using the supplier’s product database server 28 (shown 7). If possible and interested in the transaction, the supplier’s operator then generates the appropriate commercial offer to the client and then the scheme works as in the basic version (by placing the offer in the database of commercial offers 13, notifying the consumer via SMS message and the consumer’s further opportunity to make a purchase based on the received commercial offer).

Optionally, the possibility of a fully automatic procedure (without the participation of the human operator from the supplier) for the acquisition of goods or services found by the consumer in the database of goods and services 27 can also be provided. To ensure this, it is necessary to use the connection gateway of the supplier database 29 (shown in FIG. .7). If such a gateway for this provider is connected to the central server of the system, the automatic purchase procedure works as follows.

When a consumer expresses interest in acquiring a particular product or service, a subset of the user interface of the consumer 20 refers to the subunit of the user interface of the supplier 24 with a request to check the possibility of a transaction for the goods indicated by the specified supplier. A sub-block of the supplier’s user interface 24 is accessed via the Internet and the gateway of connecting the supplier’s database 29 to the database server 28 of the respective supplier with a request whether the indicated goods are in stock in the required quantity. If the answer is yes (in this case, the supplier’s database server blocks the required quantity of goods for a while), the supplier’s user interface sub-block 24 instructs the sub-block for generating quotes 26 to prepare a quotation based on consumer information from the consumer database and their accounts 11 and the specified the consumer of information from the database of goods and services 27 (supplier, product, price), as well as the parameters selected by the consumer (for example, the number of units of goods). An offer prepared in this way is transmitted to the database of offers 13 (SMS message is not sent to the consumer in this case).

After a proposal has been similarly created on the initiative of the consumer, it immediately becomes the current active offer, with which the consumer is currently working from his mobile device. That is, the consumer has the opportunity immediately after that to go through the standard payment procedure for this offer.

After passing the payment procedure by the consumer and the expiry of the possibility of canceling the transaction, if the transaction was not canceled, the system initiates the shipment of goods using the mechanism provided for in the gateway of connecting the supplier database 29 (in particular, the previously set lock status for the corresponding quantity the goods are replaced with the "sold" statute).

It is also worth noting that the Internet terminal 18 connected to the system, if the printer is also connected to it, can be used by the consumer to print out the necessary information about the payment made by him on the basis of the information provided by the search and display unit of transaction information of the system. The same information, of course, is available to the consumer from his mobile electronic communication device 3 as part of the work with the user interface of the system.

Figure 7 presents the structural diagram of the unit of work by the suppliers 6 in the second embodiment of the central server of the system, where the arrows indicate the communication channels between the components and the preferred direction of information flows.

Compared with the basic version of the block of work with suppliers described above and presented in Figure 4, in this embodiment, the block of work with suppliers 6 has the following features.

The sub-block of the supplier’s user interface 24 receives additional functionality to provide the ability to add, edit and delete information about the goods and services of the supplier. All relevant information about goods and services is stored in the database of goods and services 27.

In addition, the supplier gains the opportunity in a faster way to formulate commercial offers to consumers based on information about their own goods and services from the database of goods and services 27.

Using a direct connection of this unit with the unit for working with consumers 7 and on the basis of information from the database of goods and services 27, the supplier sells goods and services, information about which he provided to the system. In this case, both the mechanism for manually generating commercial offers by the operator (person) of the supplier can be provided, as well as the option that is completely automatic for the supplier (using the gateway connecting the supplier’s database 29 to the supplier’s product database server 28), discussed above.

With regard to providing consumers with information about goods / or services of various suppliers, two main opportunities for implementing a database of goods and / or services should be distinguished. In one particular embodiment of the system, a database of goods and services 27 can be generated and maintained centrally on the storage device of the central server of system 1 by transmitting information about goods and / or services from the terminals of the respective suppliers 2 to the central server of system 1. At the same time, a commercial proposal is created through the central system server and stored in the storage device of the central server of the system, that is, in the field of data storage of commercial offers. In this case, to ensure the cataloging of information about the same goods and / or services of different suppliers, the corresponding data should be transmitted to the central server of the system to form the database 27 in a single format.

In parallel with such an embodiment of the system or as an alternative to it, a decentralized scheme for storing information about goods and / or services can be implemented. A terminal database 28 of this provider is connected to terminal 2 of at least one of the suppliers and connected to the central server of the system via the gateway of the supplier database 29. In this case, a distributed database of goods and / or services is maintained by the database server of the provider 28 and central server system.

For example, in response to a consumer’s request for the possibility of acquiring a product, the operator of the supplier’s terminal 2 may first check the availability of the product selected by the consumer. Then, through the supplier’s database server, a commercial proposal is generated that is sent to the consumer’s mobile electronic communications device through the central server of the system. All these operations can be performed at the supplier’s terminal also automatically using the supplier’s database server 28, that is, without operator intervention.

In either of the two options discussed above (a centralized database and a distributed database), the database of goods and / or services of different suppliers provides cataloging of data on goods and services with the ability to view the catalog of goods or services on the display of a consumer’s mobile electronic communications device 3 (navigation through nodes of such a directory) or full-text search based on search conditions entered from the keyboard of a mobile electronic communication device 3 or other means of data input (such as a stylus). This allows the consumer, looking at the display of his mobile electronic communications device, to choose among the same products of alternative suppliers exactly the product and the supplier that satisfies it the most, then, without leaving the system, request the possibility of acquiring the found product from the found supplier ( or several suppliers of the same product at once), and after receiving a commercial offer, confirm payment of the goods from your bank account.

In a second independent embodiment, the central server of the system shown in FIG. 5 can be implemented as a local area network, as described above for the first embodiment. The database of goods and / or services 27 can be stored at the same time on a separate disk drive of the first workstation and served by a separate processor, as described above for Fig.2.

Alternatively, the need to allocate significant resources to support the database of goods and / or services 27 determines the storage area for data on goods and / or services in the form of a disk drive of a separate, fifth, workstation of such a local network.

Through the DBMS used by the central server of the system, tables are created and maintained, a possible simplest diagram of which is shown in Fig. 8. The placement of each of the tables on one of the ROMs of the above system database server (1st system workstation) is determined by what database (system component) each of them represents. The arrangement of the tables of FIG. 8 is as follows:

"Suppliers" - 2nd ROM;

"Goods_and_Services" - 6th ROM;

"Accounts_Suppliers" - 2nd ROM;

"Commercial_Offers" - 3rd ROM;

"Transactions" - 4th ROM;

"Consumers" - 1st ROM;

"Codes_Authorization" - 5th ROM;

"Consumer_ Accounts" - 1st ROM;

"Banks of the System" - 1st ROM.

With the help of the previously mentioned full-text search system installed on the database server, at least a full-text index is created and maintained for working with transaction history. So, in the case of using the database schema shown in Fig. 8, a similar index is necessary for the "Description" field of the "Transactions" table. This index can also be stored on the 4th ROM. Those. In this case, the 4th ROM has two memory areas - for storing a transaction history database and for storing a full-text index for the "Description" field of transaction information.

The cashless payment systems described above can be combined into a global computerized cashless payment system, the central servers of which are interconnected via a global computer network. For this, the central server of each of these systems must be made with support for at least one language common to the entire global system. In the particular case of such a global system, when at least two of its non-cash payment systems are located on the territory of states with different languages, the central server of at least one of these systems must be designed to support an additional language and may contain translation tools and / or transliteration of information stored in the storage device of the central server of the system from an additional language to a common language and / or vice versa.

In addition, in all the described databases used in such a global system, wherever possible, a numerical representation of the information should be used. For example, dates can be stored as is customary on some operating systems (for example, Unix) as the number of seconds elapsed since some fixed date (on Unix, since January 1, 1970). At the same time, in the user interface, the date will be displayed taking into account the language or, possibly, other settings. For example, “January 31, 2003” (issued in Russian), “January 31st 2003” (in English), “January 31, 03” (day, month, year in numbers), etc. Many DBMSs, such as Oracle 9i, organize dates in this way.

So, in the form of numbers you can store dates, quantities, prices, currency codes, all kinds of identifiers.

However, all textual information (descriptions of goods in database 27, company names, names and surnames of consumers, description of the purpose of payment, etc.) should be in the language that is convenient for suppliers and consumers. At the same time, in order to maintain the possibility of purchasing goods by various language groups of the population of a given country, and visitors from other countries, it is advisable for suppliers to describe their goods in several languages at once. The system should be able to memorize all these options, remembering for each of them in which language this option is, and when working with a specific consumer, show him that version of the description that suits him best. In this case, in the user settings of the system, a sequence of languages with priorities for this user can be indicated. For example, the setting (Russian, English) means that the client prefers to receive information in Russian, if this is not possible - in English, if there is no such option, then he does not care, since he does not know any other languages (in this case, the system will show the description in the supplier’s native language). It is advisable for suppliers to use the English language as the common language of the global system.

Also important for the global cashless payment system is the ability provided by local system settings for consumers, as well as for suppliers, to indicate accounts in different currencies (this feature is very useful also as part of a single system installation, since in many countries and, in particular, in Russia, individuals and individuals may have accounts in various currencies). In this case, the consumer registers several accounts in the system, indicating for each of them the type of currency of this account. Further, to ensure maximum convenience of working with the system for consumers, the server of the consumer bank (that is, the bank included in the system) can support additional functionality. Namely, at the request of the system, the bank server can issue the following messages for the specified account and the type of currency of this account and for the specified country, bank and currency of the payee:

(a) whether the bank can transfer the specified amount in the specified currency to the specified bank; The answer to this question can be not only “yes” or “no”, but also the following: “the transfer operation is technically possible, but the client does not have enough funds in the account. Available funds will be enough only to transfer such and such amount in the currency of the payee’s account” ;

(b) how much money in the currency of the consumer’s account will be withdrawn from this account in case of organizing the said transfer.

In messages (a) and (b), the bank must take into account the cost of arranging the transfer.

When this functionality is provided by the servers of the system’s banks, the system is able to indicate to it at the stage of consideration of the commercial proposal by the client (consumer):

(a) the ability to pay this offer from at least one of its accounts registered in the system, and

(b) for each of the accounts for which this was possible, indicate how much money would actually have been withdrawn from this account when making the payment - in the currency of this account and in the currency in which the user prefers to see all the price information in the system (rather total, this is the currency of the consumer’s home country, but this may not be the case),

(c) directly when arranging payment for a given commercial offer, the consumer sees on the screen the information on all his accounts that can be used in an orderly way: first, there are accounts for which transfer would be cheaper (according to the ratio of the amount you need to spend, to the currency that the consumer prefers to work with and the amount in the currency of the payee, which in this case would be received by the supplier from this account). Naturally, most likely, the user will choose the first account in the list for the operation. It also takes into account the fact that the bank could inform that from some of the accounts only partial payment is possible. That is, the consumer gets the opportunity to group transfers from several accounts (perhaps the first few in the list of accounts) in order to pay for the goods.

So, as it is easy to see, in the case of using the specified scheme of working with the bank’s server, it will be possible to provide a convenient and beneficial option for consumers to work with different currencies, both within their own country and when working with other system settings within the global cashless payment system ( that is, when paying, generally speaking, in other countries).

It is also important to note that on the basis of such a mechanism, the consumer gets a very convenient opportunity to buy goods remotely from abroad even without a trip there. For example, this would be possible, being in Russia, to buy books in English not on the Internet, but in one of the bookstores in England (with delivery, for example, by express mail).

To do this, the system should provide the ability for customers to connect to the central servers of the system of the specified settlement of the specified country without their own movement. The possibility of such a temporary connection to a "foreign" server of the system can also be in demand when preparing a trip to another city, possibly another country. Before the trip, the user can familiarize themselves with the prices of goods in the city where he is traveling, and perhaps even use the system to pre-order something there (for example, he pays right away, takes it when he arrives; it may be meaningful to buy some exclusively available product).

In addition, for a global system with information capabilities, the ability to search for some rare goods (for example, rare books) on all the system servers available in the world can also be added.

As already mentioned above, it is quite important to provide consumers with the opportunity to set their preferred user interface language (selected from the list of supported by the system), the type of date representation, the type of representation of the numerical part of prices (for example, 1,000.00 or 1000.00, or 1,000,0, etc.), the preferred type of currency to display prices. All these parameters are important for the convenience of users in the system, regardless of its global nature (for example, in a number of countries, for historical reasons, many people who have never traveled outside their country prefer to count money in US dollars or Euros (previously - German marks)).

As for the type of currency: to maintain the indicated ability, always give the user when working with the system all prices only in the necessary type of currency, the system for each specific location must be able to connect to a certain information server (for example, via the Internet) to receive the current official exchange rates of this country or terrain. For example, in Russia at any time such information can be obtained from the Internet server of the Central Bank of Russia (www.cbr.ru). And, thus, when issuing price information to the user, the system should automatically recalculate prices into the necessary type of currency, taking into account the original type of currency and the official rate. The specified additional functionality can be implemented by a subunit of the user interface of the consumer 20 of the unit for working with consumers 7 of the central server of the system.

Claims (45)

1. The method of making transactions of sale of goods and / or services between suppliers and consumers using a computer-based cashless settlement system, which includes a central server system connected to the server of at least one consumer bank and the terminals of at least two suppliers of the same goods and / or services, consisting in the fact that through the central server of the system and / or the terminal of the supplier form a commercial offer of the supplier in relation to a particular product and / or service, including e includes at least the identifier and price of the corresponding goods and / or services, transmit the quotation from the central server of the system to the consumer’s mobile electronic communications device and display the data of the received quotation on the display of the mobile electronic communications device, and then from the consumer’s mobile electronic communications device confirmation of the transaction is transmitted to the central server of the system, upon receipt of which from the central server of the system to the server of the consumer bank send an order to transfer the transaction amount from at least one consumer account to the supplier’s account, characterized in that the goods and / or services offered for sale are cataloged in a database maintained by the central server of the system and / or suppliers' terminals, and before the transaction is completed, the consumer is provided access through the mobile electronic communication device and the central server of the system to the aforementioned database, then by viewing the contents of the database or full-text search in it, select indiscrete product and / or service and is transmitted from the mobile electronic communication device to the central server system a request to the formation of commercial offers for the selected goods and / or services. 2. The method according to claim 1, characterized in that the database of goods and / or services is formed on the storage device of the central server of the system by transmitting information about the goods and / or services from the terminals of the respective suppliers to the central server of the system, and a commercial proposal is created through the central system server and stored in the storage device of the central server of the system. 3. The method according to claim 1, characterized in that as the terminal of at least one of these suppliers use a database server of goods and / or services of this supplier, connected to the central server of the system through the gateway of the database of the supplier, and use a distributed database goods and / or services supported by the specified provider database server and the central server of the system, while in response to the specified request from the consumer, the availability of the product selected by the consumer is first checked or the opportunity is provided After a service selected by a consumer and then, through a supplier’s database server, a commercial proposal is created and sent to a consumer’s mobile electronic communication device through a central server of the system. 4. The method according to claim 3, characterized in that all the operations indicated for the supplier’s terminal are performed automatically using the specified provider database server. 5. The method according to any one of claims 1 to 4, characterized in that the consumer identifier is stored in the memory of the central server of the system, which is used as a unique consumer number, in particular the passport or social security card number. 6. The method according to any one of claims 1 to 4, characterized in that the data on the state of the consumer's bank account are stored in the storage device of the central server of the system. 7. The method according to any one of claims 1 to 4, characterized in that the mobile electronic communication device is a mobile phone or PDA, and the connection between the mobile electronic communication device and the central server of the system is established through the gateway of the mobile operator. 8. The method according to any one of claims 1 to 4, characterized in that the mobile electronic communication device is a mobile phone or PDA, and the connection between the mobile electronic communication device and the central server of the system is established through a computer network terminal using one of technologies for local data exchange, in particular the IrDA standard, using infrared ports, or Bluetooth technology. 9. The method according to any one of claims 1 to 4, characterized in that the connection between the mobile electronic communication device and the central server of the system is established after entering the access password to the system from the mobile electronic communication device. 10. The method according to any one of claims 1 to 4, characterized in that the consumer is pre-allocated a set of personal payment authorization codes, each of which is valid for only one transaction, and the specified set of personal codes is stored in the memory of the central server of the system, when sending the order to transfer the transaction amount that exceeds a predetermined threshold value, the appropriate personal code is entered from the mobile electronic communication device, the received personal code is compared with the set of personal codes stored in the storage device e of the central server of the system, and if personal codes match, the order to transfer the transaction amount is sent from the central server of the system to the server of the consumer bank. 11. The method according to claim 10, characterized in that, with the indicated allocation of personal codes, they are transmitted to a mobile electronic communication device from the server of the consumer bank or from the central server of the system using local wireless data exchange technology, in particular using the IrDA standard or Bluetooth technology, and store them in the memory area of the mobile device, in particular through a J2ME (Java) application. 12. The method according to claim 11, characterized in that the personal codes stored in the protected area of the memory of the mobile electronic communication device protect against unauthorized access by encoding, in particular 448-bit encoding using Blowfish technology. 13. The method according to any one of claims 1 to 4, characterized in that at least one payment authorization password allocated to the consumer is pre-stored on the server of the consumer’s bank, moreover, upon receipt from the consumer of an order to transfer the transaction amount that exceeds a predetermined threshold amount to the consumer offer to enter the specified password, in particular, by voice and / or from the keyboard of a mobile electronic communication device, and if the passwords match, they perform the specified transfer. 14. The method according to any one of claims 1 to 4, characterized in that the identifier of the consumer’s mobile electronic communications device is pre-stored on the consumer’s bank server and / or in the central server of the system, said identifier is also stored in the storage device of the mobile electronic communications device and sent to the central server of the system together with an order to transfer the transaction amount. 15. The method according to any one of claims 1 to 4, characterized in that in the storage device of the central server of the system store data about transactions in respect of goods and / or services performed by the consumer for a given period of time. 16. The method according to any one of claims 1 to 4, characterized in that after sending an order to the consumer’s bank server to transfer the transaction amount from the consumer’s account to the supplier’s account, a message is sent from the central server of the system to the supplier’s terminal about the transfer of the transaction. 17. The method according to any one of claims 1 to 4, characterized in that after sending the transaction confirmation system to the central server, the consumer is granted the right to withdraw the specified confirmation within a specified period of time, while transferring the transaction amount to the supplier’s account and, possibly, sending messages on the transfer of the transaction amount are automatically sent to the supplier’s terminal after a specified period of time or after receiving an additional confirmation of the specified time from a mobile electronic communication device teachings. 18. The method according to any one of claims 1 to 4, characterized in that by means of the mobile electronic communication device, a list of suppliers is generated, the data of which is stored in the storage device of the central server of the system whose offers are prohibited from being transmitted to the mobile electronic communication device, and / or suppliers whose business offers are allowed to be transferred to a mobile electronic communications device. 19. The method according to p. 18, characterized in that the permission to one or more suppliers to transmit commercial offers to a mobile electronic communication device is limited by the time period indicated by the mobile electronic communication device. 20. The method of claim 1, characterized in that at least two consumer accounts served by one or different banks are pre-registered in the central server of the system. 21. The method according to claim 20, characterized in that before confirming the transaction by the consumer’s mobile electronic communications device, they choose from which of the indicated accounts to transfer the transaction amount, and in addition to the transfer order transfer order sent to the consumer bank server from the central server of the system , include an indication of the selected account. 22. The method according to claim 20, characterized in that before confirming the transaction by means of a mobile electronic communication device, the consumer selects a subset of these accounts related to one bank, and a non-zero transfer amount for each of the selected accounts in such a way that together these amounts are the necessary transaction amount, and in the order for transferring the transaction amount sent to the consumer bank server from the central server of the system, include an indication of the totality of the selected accounts and the corresponding The sum of the transfer for each of them. 23. The method according to claim 20, characterized in that before confirming the transaction by means of a consumer’s mobile electronic communication device, a subset of consumer banks is selected, for each of which a subset of consumer accounts in this bank is selected and a non-zero transfer amount for each such account is indicated in this way that in aggregate the indicated amounts for all selected accounts of all selected banks constitute the transaction amount, moreover, in the transfer instructions, the transaction amounts are sent to the servers of each of the selected banks a user from a central system server, include an indication of the selected plurality of accounts related to that bank, and the selected amount of transfer from each of them. 24. The method according to any one of paragraphs.20-23, characterized in that said accounts include at least two accounts in different currencies, and through the central server of the system, together with the servers of the banks involved, make the necessary currency conversions taking into account current exchange rates relevant banks. 25. The method according to any one of paragraphs.20-23, characterized in that the currency of the supplier’s account is different from the currency of at least one of the consumer’s accounts selected for transferring the transaction amount, and through the central server of the system, together with the servers of the banks involved, the necessary currency conversions taking into account current exchange rates in the respective banks. 26. The method according to any one of claims 1 to 4 or 20-23, characterized in that one offer includes several grouped goods and / or services. 27. A computer system for making transactions of the sale of goods and / or services by bank transfer, containing a central server of the system, as well as a server of the bank of at least one consumer of goods and / or services and terminals of at least two suppliers of similar goods and / or services, moreover, the central server of the system is connected to mobile electronic communication devices of consumers of goods and / or services and is capable of processing orders to transfer the transaction amount in respect of goods and / or services from the account the consumer to the supplier’s account of the specified goods and / or services and contains a unit for working with suppliers associated with the indicated terminals of suppliers with the possibility of generating commercial offers from suppliers on transactions with goods and / or services, a unit for working with consumers associated with mobile electronic communication devices consumers and the block of work with suppliers, the block of work with money transfers associated with the specified server of the consumer bank and the block of work with consumers, characterized in that it optionally includes a storage device associated with a block of work with suppliers, a block of work with consumers and a block of work with money transfers and containing at least a storage area for data on consumers and their accounts, a storage area for data on commercial offers and a storage area for data on goods and / or services in the form of a database of goods and / or services, and the unit for working with consumers contains a sub-block of the user interface associated with the mobile electronic communication device and the storage area Ia data about goods and / or services and capable of viewing the contents of the aforementioned database and full-text search in it and output of goods and / or services on the mobile electronic communication device display. 28. The system according to item 27, wherein the storage device of the central server of the system contains an area for storing data about suppliers and their accounts associated with the block of work with suppliers. 29. The system according to p. 28, characterized in that the system further includes a server of the provider bank associated with the unit of work with the suppliers of the central server of the system and with the specified storage area of data about suppliers and their accounts, with the possibility of transferring to the central server of the data system about the state of the supplier’s bank account and / or data on the transfer of the transaction amount from the consumer’s bank account to the supplier’s bank account, storing the specified data in the memory of the central server of the system and transferring these data to the terminal of the supplier. 30. The system according to any one of paragraphs.27-29, characterized in that the storage device of the central server of the system contains an area for storing data on commercial offers associated with a unit for working with suppliers, a unit for working with consumers and a unit for working with money transfers. 31. The system according to any one of paragraphs.27-29, characterized in that the storage device of the central server of the system contains an area for storing transaction history data associated with the area for storing data on commercial offers, and the central server of the system contains a unit for searching and displaying information about transactions associated with the specified area of data storage on the history of transactions, the unit of work with suppliers and the unit of work with consumers. 32. The system according to any one of paragraphs.27-29, characterized in that it contains an authorization code generation unit, and the central server storage device contains an authorization code storage area associated with a consumer unit, and the authorization code generation unit is associated with an area storing authorization codes. 33. The system according to item 27, wherein the central server of the system is implemented in the form of a local network, containing five workstations, interconnected via appropriate network adapters and cables. 34. The system according to claim 33, wherein the block for searching and displaying information about transactions and the block for generating authorization codes for the central server of the system are implemented by the first workstation, made in the form of a multiprocessor database server with a database management system installed on it that supports the system full-text search, and each of these storage areas of the data storage device of the central server of the system is made in the form of a separate disk drive of the first workstation. 35. The system according to clause 34, wherein the consumer work unit is implemented by a second workstation equipped with an additional network adapter for connecting to an external computer network, the vendor work unit is implemented by a third workstation equipped with an additional network adapter for connecting to an external computer network, the block for work with money transfers is implemented by the fourth workstation equipped with a modem for connecting to an external banking computer network, and the data storage area for goods and / or services is Nena as a disk drive fifth workstation that supports database of goods and / or services with the possibility of full-text search. 36. The system according to item 27, wherein the unit for working with consumers further includes a sub-block of the user interface of the consumer, a sub-block of payment authorization, a sub-block for working with SMS messages and a sub-block for encoding / decoding information. 37. The system according to clause 36, wherein the sub-block of the user user interface is also associated with a block for working with suppliers, a block for searching and displaying information about transactions, a block for working with money transfers, a data storage area for commercial offers, and a data storage area for consumers and their accounts; the information encoding / decoding subunit is connected, on the one hand, with a mobile electronic communication device via a telecom operator’s gateway and / or a global computer network terminal, and, on the other hand, with a consumer user interface subunit and a payment authorization subunit, wherein the payment authorization subunit is associated with an area storage of authorization codes; and the sub-block for working with SMS messages is connected, on the one hand, with the gateway of the telecom operator and, on the other hand, with the data storage area of commercial offers. 38. The system according to any one of paragraphs.27-29 or 33-37, characterized in that the mobile electronic communication device is a mobile phone or PDA, and the mobile electronic communication device is connected to the central server of the system through the gateway of the mobile operator. 39. The system according to any one of paragraphs.27-29 or 33-37, characterized in that the mobile electronic communications device is a mobile phone or PDA, configured to connect to a central server of the system through a computer network terminal using one of technologies for local data exchange, in particular the IrDA standard, using infrared ports or Bluetooth technology. 40. The system according to any one of paragraphs.27-29 or 33-37, characterized in that the block of work with suppliers includes a sub-block of the user interface of the supplier, a sub-block for generating commercial offers and a sub-block for encoding / decoding information. 41. The system of claim 40, wherein the subunit of the supplier’s user interface is connected, on the one hand, with the supplier’s terminal and, on the other hand, with the consumer unit, the search and display unit for transaction information, and the storage area for commercial data offers, a data storage area about suppliers and their accounts, and a data storage area about goods and / or services; the sub-block for generating commercial offers is associated with the sub-block of the supplier’s user interface, the data storage area about commercial offers, the data storage area about consumers and their accounts, and the data storage area about goods and / or services; and an information encoding / decoding subunit is associated with a subunit of a supplier user interface and a supplier terminal. 42. The system according to p. 40, characterized in that to the subunit of the user interface of the supplier is connected a server database of goods and / or services of the supplier through the gateway connecting the database of the supplier. 43. A global computer system of cashless payments, including at least two cashless payment systems according to any one of paragraphs.27-42, the central servers of which are interconnected via a global computer network, and the central server of each of these systems is configured to support at least at least one language common to the entire global system. 44. The global system according to item 43, characterized in that at least two of its non-cash payment systems are located on the territory of states with different languages, the central server of at least one of these systems is designed to support an additional language and contains translation tools and / or transliteration of the information stored in the storage device of the central server of the system from an additional language to a common language and / or vice versa. 45. The global system according to item 43 or 44, characterized in that the unit for working with consumers of at least one of these cashless payment systems is configured to support at least two languages of the consumer user interface.

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