RU59291U1 - ELECTRONIC PAYMENT SYSTEM FOR GOODS AND SERVICES THROUGH A TELECOMMUNICATION NETWORK - Google Patents

Abstract

The technical solution relates to electronic money systems and can be used when making payments for goods and services, including when paying for mobile operators, utilities, games and other services. The technical result of the proposed solution is to increase the reliability of the system by simplifying the procedure for user identification and independent registration of commands and messages of the user and the processing center. This is achieved by the fact that the electronic system of payment for goods and services through a telecommunication network, containing a processing center that performs the functions of receiving, processing and storing data, and the servers of the payment system, the seller, the supplier of the goods or services and user phones connected to the seller’s server, connected to it , differs in that an independent fixing server is introduced into it, the inputs and outputs of which are connected to the processing center and the user's telephone, and the payment acceptance kiosk containing the bill acceptor connected through the processor and modem with a processing center, and a keyboard for entering the user's mobile phone number with an indicator of confirmation of the completed operation, connected to the processor.

Description

The technical solution relates to electronic money systems and can be used when making payments for goods and services, including when paying for mobile operators, utilities, games and other services. Known electronic payment systems using telecommunication networks. Among them are WEBMONEY, CyberPlat, PayCash, e-port, Rapida.

These systems, despite the technical and algorithmic distinguished, contain several basic components, without which their implementation is impossible. Such components include devices for sending commands about the payment from the payer to the recipient through a processing center where the payer is identified, his account status (solvency) is checked, money is debited from the payer's account and transferred to the payee's account. Another necessary component is a payer account replenishment system, which is usually implemented on the basis of cash accepting devices (banknote or coin acceptors), credit cards, prepaid cards, etc.

The system according to US patent N 5699528 is made with the ability to provide the user access to the server of the communication network to obtain information about goods and services. The network may be, for example, the Internet. Using a personal computer, the user can access the provider’s website to familiarize themselves with the details of bill payment. The system also involves the user receiving an electronic invoice in the form of an email, information regarding goods and services, to his email address. The user can make a payment by sending an email. Buyer accounts are replenished through bank transfers.

The WEBMONEY electronic payment system is equipped with an automatic machine for receiving payments from bank cards, in which one of the services offered is the sale of prepaid cards with which you can replenish the recipient's account. Such a machine can be equipped with a bill acceptor.

In a system based on PayCash technology, Vcom payment kiosks installed in supermarkets of the American retail chain 7-eleven are used to replenish an account.

These kiosks contain a bill acceptor, a fiscal printer, a refund block exceeding the amount of the required payment, a display for displaying commands, instructions and data, a processor connected via the INTERNET network to the processing center of the electronic payment INTERNET system provider, a remote for a set of commands, instructions, data on the amount and purpose of payment. Information about the amount of money entered through the bill acceptor is sent to the processor, which also receives data entered from the remote control that identifies the user of the electronic payment system and other payment data (for example, beneficiary details, amount, etc.). All data is sent to the processing center of the provider, where the deposited amount is transferred to the payee, in accordance with the details and instructions.

Closest in its technical essence to the claimed one is a system of payment for services in a telecommunication network according to the patent of the Russian Federation in accordance with application N 2003104708. It contains a processing (operational) center that performs the functions of receiving, processing and storing data using a processor, information reception units, identification users, identification code generator, user database, comparison and payment units. The processing center is connected to the servers of participants in the implementation of the system (seller, payment system, supplier of goods or services) and user phones.

The disadvantage of these payment systems is the need for a rather complicated procedure for entering payment data, which reduces the reliability of the system during user identification. The technical result of the proposed solution is to increase the reliability of the system by simplifying the procedure for user identification and independent registration of commands and messages of the user and the processing center.

This is achieved by the fact that the electronic system of payment for goods and services through a telecommunication network, containing a processing center that performs the functions of receiving, processing and storing data, and servers connected to it

a payment system, a seller, a supplier of goods or services, and user phones connected to the seller’s server are distinguished by the fact that an independent fixing server is inserted into it, the inputs and outputs of which are connected to the processing center and the user's phone, and a payment acceptance kiosk containing a bill acceptor connected through a processor and modem with a processing center, and a keyboard for entering the user's mobile phone number with an indicator of confirmation of the operation, connected to the processor.

The essence of the proposed device is illustrated by the functional diagram shown in Fig., Where many users and payment kiosks are presented for simplicity of the image by a single number. An electronic system for paying for goods and services through a telecommunications network (Fig.) Contains a processing center 10 that performs the functions of receiving, processing, and storing data, and servers 40 of the payment system, 50 of a seller or 50a of a supplier of goods or services, and phones of 20 users connected to it with server 50 seller. The system has an independent fixing server 30, the inputs and outputs of which are connected to the processing center 10 and the user's telephone 20, as well as a payment reception kiosk 60 containing a bill acceptor connected via a processor and modem to the processing center 10, and a keyboard for entering the user's mobile phone number with indicator confirming the completion of the operation connected to the processor. The processing center 10 comprises a control unit 11, a message receiving unit 12, a message decoder 13, a user identification unit 14, an additional user identification unit 15, a settlement account and personal information block 16, a client history database 17 and a message generator 18.

Block 11 controls its inputs and outputs is connected to the corresponding inputs and outputs of the database (DB) 17 of the customer’s history, payment kiosk 60, server 50 of the seller or server 50a of the supplier of goods or services, as well as block 16 of settlement accounts and personal information. The output of the message decoder 13 is connected to the input of the control unit 11. The output of the control unit 11 is connected to one of the inputs of the message generator 18, to the second input of which one of the outputs of the additional user identification unit 15 is connected. Outputs

message generator 18 is connected respectively to the input of the independent fixing server 30 and to the user's mobile phone 20. The four inputs of the message decoder 13 are connected respectively to the individual outputs of the block 15 for additional user identification, block 14 for user identification, block 12 for receiving messages and block 16 for settlement accounts and personal information. The input-output of the latter is connected to the input-output 40 of the payment system. The second output of the message receiving unit 12 is included in the input of the payer identification unit 14, the second output of which is included in the input of the additional user identification unit 15.

The user is connected to the processing center 10 through mobile communications. To do this, he must have a mobile phone 20 of any model connected to any of the cellular providers. The main data transmission channel is the SMS channel. It is also possible to use alternative communication channels and mobile phones, allowing the ability to download special menus and programs for encoding / decoding data.

Thus, other participants of the system, the payee, can be associated with the processing center 10. Seller, supplier of goods or services, participant in the game, etc.

The processing of input messages, the execution of commands and the formation of outgoing messages is controlled by the control unit 11. This block also provides interactions with the servers of 50 sellers and 50a of suppliers of goods or services.

Block 12 receiving messages receives a message from the communication subsystem, decodes it and allocates the sender address, SMS center address, password, account prefix, command and its parameters in it. The same block identifies passwords, encryption keys, timestamps and other special information used for additional authentication and message encryption in the message.

Message decryptor 13 decrypts messages.

The payer identification unit 14 identifies the sender of the message and the cellular operator serving it. The main element of identification is the sender's telephone number in the international numbering system, but a password can also be used. This block checks the rights

sender, implements the relationship of transfer of account management rights, determines the need for additional identification.

Block 15 additional identification initiates the exchange with the sender of auxiliary messages on the primary or alternative communication channel. In particular, this unit controls the exchange of confirmation messages and controls the time of receipt of the response.

Block 16 of settlement accounts and personal information performs the functions of storing and replenishing these data, in particular - opening an account and transferring funds. This block interacts with servers 40 of payment systems. Personal information includes name, address, encryption keys, personal and settlement account numbers in external systems, and other data.

DB 17 client history accumulates information about operations performed by clients and their parameters. In particular, this database stores timestamps and other data for additional identification, data on the frequency and intensity of payments for one or several recent periods (hour, day, week, etc.). This unit makes a decision to disconnect the user from the system due to exceeding threshold restrictions on payments. The client’s history database contains data necessary to perform the functions of tracking the delivery of goods or providing services, performing regular payments, settlements through a deposit account, etc.

The data of the personal information block 16 and the client history database 17 is used to dynamically set a user profile that defines message formats, their processing modes, user rights, additional identification modes, and other parameters.

The generator 18 messages implements the formation of outgoing messages according to data received from other blocks, in accordance with the address of the recipient and his profile. If necessary, the message is encrypted. The same unit delivers content to the buyer.

Independent commit server 30 is an intermediate server for independently committing all transactions to an uninterested third party. All incoming and outgoing messages pass through this server without changes and are fixed on the disk. There are no mechanisms on the server to add,

Change or delete committed data. Thus, these data can serve as evidence base in case of disputes regarding the number, composition and content of messages exchanged between the parties.

The server 40 of the payment system performs the functions of managing the accounts of the payment system - opening an account, receiving a certificate of balance, transferring money from one account to another, withdrawing money from the system. To provide transit money transfer operations when using several payment systems, special correspondent accounts are opened in each of them.

The seller’s server 50 or the product or service provider server 50a responds to system requests regarding the availability of a particular product or service, agrees to payment, reserves the goods, and records the payments made. The specific sets of operations performed by these servers can vary widely between vendors and vendors.

The system works as follows. Data on the amount entered through the bill acceptor, payment acceptance kiosk 60, is transmitted to the processor, where the dialed telephone number of the user (or other data identifying the customer and his / her current account) is also received from the keyboard. A message containing the specified information is sent via the communication line to the processing center 10, where they are formed and transmitted for execution of the command for crediting the amount to the client’s current account, uniquely associated with his phone number. An enrollment message is immediately sent to the customer’s telephone, for example, via the CMC channel (or a similar channel). After that, the client can, using special commands, make any payments within the amount credited to his account.

Thus, when replenishing an account through the proposed system, when entering money, only an easily remembered phone number is dialed, which dramatically reduces the complexity and time spent entering money into the system. There is also no need to return money in excess of the exact amount of the payment (all money credited to the client’s account can be used later). Instead of a bill acceptor, a cash register with a cashier or a plastic card receiver can be used.

The proposed system was tested and demonstrated high reliability, simplicity and ease of use for users.

Claims (4)

1. An electronic system for paying for goods and services through a telecommunication network, containing a processing center that performs the functions of receiving, processing and storing data, and the servers of a payment system, a seller, a supplier of goods or services and user phones connected to it, connected to a seller’s server, characterized in that a payment reception kiosk is introduced into it, containing a bill acceptor connected through a processor and modem to a processing center, and a keyboard for entering a user's mobile phone number with an indicator for confirmation of the operation connected to the processor. 2. The device according to claim 1, characterized in that the processing center comprises a control unit, a message receiving unit, a message decoder, a user identification unit, an additional user identification unit, a settlement account and personal information unit, a client history database and a message generator, two the outputs of which are connected respectively to the input of the independent fix server and the user's telephone, and its two inputs are connected respectively to one output of the additional identification unit and to the output of the control unit a phenomenon whose inputs and outputs are connected respectively with the inputs and outputs of the customer’s history database, payment kiosk, seller’s server or the supplier of goods or services and with one of the inputs and outputs of the settlement accounts and personal information block, the second input / output of which is connected to the input - the output of the payment system server, and its output is connected to one of the inputs of the message decoder, the output of which is connected to the input of the control unit, and its other three inputs are connected respectively to the individual outputs of the additional information block a user identification unit and a message receiving unit, the inputs of which are connected respectively to a separate output of the independent fix server and the user's telephone, its separate output is connected to the input of the user identification unit, the second output of which is connected to the input of the additional identification unit. 3. The device according to claim 1, characterized in that a cash register with a cashier or a plastic card receiver is used as a bill acceptor of a payment acceptance kiosk. 4. The device according to claim 1, characterized in that an independent fixing server is introduced into it, the inputs and outputs of which are connected to the processing center and the user's telephone.