WO2011046526A1 - Method for creating a reciprocal payment system for the sale of information, goods and services - a social market - Google Patents

Method for creating a reciprocal payment system for the sale of information, goods and services - a social market Download PDF

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Publication number
WO2011046526A1
WO2011046526A1 PCT/UA2010/000063 UA2010000063W WO2011046526A1 WO 2011046526 A1 WO2011046526 A1 WO 2011046526A1 UA 2010000063 W UA2010000063 W UA 2010000063W WO 2011046526 A1 WO2011046526 A1 WO 2011046526A1
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WIPO (PCT)
Prior art keywords
services
goods
information
seller
sale
Prior art date
Application number
PCT/UA2010/000063
Other languages
French (fr)
Russian (ru)
Inventor
Олег Леонидович САВЧУК
Original Assignee
Savchuk Oleg Leonidovich
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by Savchuk Oleg Leonidovich filed Critical Savchuk Oleg Leonidovich
Publication of WO2011046526A1 publication Critical patent/WO2011046526A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • a way to create a system of mutual settlements for the sale of information, goods and services is the social market.
  • the utility model relates to electronic networks, in particular mobile, and can be used to build an electronic system for searching and paying for information, goods and services.
  • the virtual mobile wallet is created and updated by the seller’s and mobile service’s servers automatically, at the time the user pays for the goods or services received, by crediting the received bonuses to the virtual mobile wallet.
  • the disadvantage of this method is the lack of mutual guarantees of obtaining the desired result for the buyer and seller during the settlements.
  • the marked method is closest in technical essence and is selected as a prototype.
  • the utility model is based on the task of providing mutual guarantees of obtaining the desired result for the buyer and seller during mutual settlements.
  • SUBSTITUTE SHEET (RULE 26) The method of creating a system of settlements for the sale of information, goods and services using mobile communications, the Internet and the hardware and software complex is carried out by exchanging information between the servers of the mobile service, the seller’s servers of information, goods or services, cash registers, scanners, bonus cards and mobile phones.
  • the method differs in that the requests received from users through the terminals of the buyer, seller, or service provider are converted into data using the software package, which are then transmitted to the server via the appropriate communication channels, where, in the virtual mobile wallets of the seller, customer or service provider, based on received data, the program blocks the corresponding insurance amounts, which guarantee users the mutual fulfillment of duties.
  • the buyer announces its cost, after which the amount is blocked on his virtual wallet in accordance with the cost and existing tariffs.
  • the contractor or seller who assumes the obligation to perform the service, or to sell the product or information, also blocks the insurance amount on the mobile wallet, depending on the cost of the product, information or service, and the corresponding tariffs.
  • a party that has not performed its duties loses the sum insured in favor of the victim. In the mutual fulfillment of obligations, the insured amount is automatically considered offset.
  • the technical result of the utility model is the automatic creation of conditions for the safe sale of goods and services.
  • SUBSTITUTE SHEET (RULE 26) The way to create a mutual settlement system for the sale of information, goods and services, is the social market, implemented as follows:
  • the buyer accepts its cost, after which the amount is blocked on its virtual wallet by the software package in accordance with the cost and existing tariffs.
  • the contractor or seller who assumes the obligation to perform the service, or to sell the product or information, also blocks the insurance amount on the mobile wallet, depending on the cost of the product, information or service, and the corresponding tariffs.
  • a party that has not performed its duties loses the sum insured in favor of the victim.
  • the insured amounts are considered by the software package to be automatically offset.

Abstract

The invention relates to electronic networks, in particular to mobile networks, and can be used for constructing an electronic search and payment system for information, goods and services. The system is based on the provision of mutual guarantees for producing a desired result for the buyer and the seller when conducting reciprocal payments. At the time an application is made for receiving information, goods or services, the buyer declares the cost thereof and an amount is then blocked in the virtual wallet of said buyer in accordance with the cost and any fees. An insurance amount, depending on the cost of the goods, information or services and relevant fees, is also blocked in the mobile wallet of the executor or seller responsible for performing the services or the sale of goods or information. When the obligations have been mutually fulfilled, the insurance amounts automatically cancel each other out.

Description

Способ создания системы взаиморасчетов для продажи информации, товаров и услуг - социальный рынок.  A way to create a system of mutual settlements for the sale of information, goods and services is the social market.
Полезная модель относится к электронным сетям, в частности мобильным, и может быть использована для построения электронной системы поиска и оплаты информации, товаров и услуг.  The utility model relates to electronic networks, in particular mobile, and can be used to build an electronic system for searching and paying for information, goods and services.
Известен способ автоматического создания и пополнения мобильного кошелька для продажи информации, товаров и услуг: (Патент Украины Ν° 45446 от 10.1 1.2009 Автор А. Л. Савчук)  There is a method of automatically creating and replenishing a mobile wallet for the sale of information, goods and services: (Patent of Ukraine Ν ° 45446 dated 10.1 January 2009 Author A. L. Savchuk)
Способ создания и пополнения мобильного кошелька для продажи информации, товаров и услуг при помощи мобильной^ связи, сети Интернет и программно-аппаратного комплекса, который осуществляется обменом информацией между серверами мобильного сервиса, серверами продавца информации, товаров или услуг, кассовых аппаратов, сканеров, бонусних карточек и мобильных телефонов. Который отличается тем, что виртуальный мобильный кошелек создается и пополняется серверами продавца и мобильного сервиса автоматически, в момент оплаты пользователем полученных товаров или услуг, путем зачисления полученных бонусов в виртуальный мобильный кошелек. A method for creating and updating the mobile wallet for sale information, goods and services using a mobile ^ communication, the Internet and the hardware and software which information is exchanged between the mobile service servers, vendor information, servers, products or services, cash registers, scanners, bonus cards and mobile phones. Which is different in that the virtual mobile wallet is created and updated by the seller’s and mobile service’s servers automatically, at the time the user pays for the goods or services received, by crediting the received bonuses to the virtual mobile wallet.
Недостатком этого способа является отсутствие взаимных гарантий получения желаемого результата для покупателя и продавца при проведении взаиморасчетов.  The disadvantage of this method is the lack of mutual guarantees of obtaining the desired result for the buyer and seller during the settlements.
Отмеченный способ наиболее близок по технической сущности и избран в качестве прототипа.  The marked method is closest in technical essence and is selected as a prototype.
В основу полезной модели поставленная задача предоставления взаимных гарантий получения желаемого результата для покупателя и продавца при проведении взаиморасчетов.  The utility model is based on the task of providing mutual guarantees of obtaining the desired result for the buyer and seller during mutual settlements.
ЗАМЕНЯЮЩИЙ ЛИСТ (ПРАВИЛО 26) Способ создания системы взаиморасчетов для продажи информации, товаров и услуг, с помощью мобильной связи, сети Интернет и программно - аппаратного комплекса, осуществляется путем обмена информации между серверами мобильного сервиса, серверами продавца информации, товаров или услуг, кассовых аппаратов, сканеров, бонусних карточек и мобильных телефонов. Способ отличается тем, что полученные от пользователей запросы через терминалы покупателя, продавца, или исполнителя услуги, с помощью программного комплекса превращаются в данные, которые потом соответствующими каналами связи передаются на сервер, где в виртуальных мобильных кошелеках продавца, покупателя или исполнителя услуги, на основе полученных данных, программой блокируются соответствующие страховые суммы, что гарантируют пользователям взаимное выполнение обязанностей. SUBSTITUTE SHEET (RULE 26) The method of creating a system of settlements for the sale of information, goods and services using mobile communications, the Internet and the hardware and software complex is carried out by exchanging information between the servers of the mobile service, the seller’s servers of information, goods or services, cash registers, scanners, bonus cards and mobile phones. The method differs in that the requests received from users through the terminals of the buyer, seller, or service provider are converted into data using the software package, which are then transmitted to the server via the appropriate communication channels, where, in the virtual mobile wallets of the seller, customer or service provider, based on received data, the program blocks the corresponding insurance amounts, which guarantee users the mutual fulfillment of duties.
В момент представления запроса на получение услуги, товара или услуги, покупатель объявляет ее стоимость, после чего на его виртуальном кошельке блокируется сумма в соответствии от стоимости и существующих тарифов.  At the time of submitting a request for a service, product or service, the buyer announces its cost, after which the amount is blocked on his virtual wallet in accordance with the cost and existing tariffs.
У исполнителя или продавца, который принимает на себя обязанности выполнения услуги, или продаже товара или информации, на мобильном кошельке также блокируется страховая сумма, в зависимости от стоимости товара, информации или услуги, и соответствующих тарифов.  The contractor or seller, who assumes the obligation to perform the service, or to sell the product or information, also blocks the insurance amount on the mobile wallet, depending on the cost of the product, information or service, and the corresponding tariffs.
Сторона, которая не исполняла свои обязанности теряет страховую сумму в пользу потерпевшей. При взаимном выполнении обязанностей страховые суммы считаются автоматически взаимозачетом.  A party that has not performed its duties loses the sum insured in favor of the victim. In the mutual fulfillment of obligations, the insured amount is automatically considered offset.
Отмеченные признаки являются необходимыми и достаточными для достижения технического результата.  The marked signs are necessary and sufficient to achieve a technical result.
Техническим результатом полезной модели является автоматическое создание условий для проведения безопасных продажа, товаров и услуг.  The technical result of the utility model is the automatic creation of conditions for the safe sale of goods and services.
ЗАМЕНЯЮЩИЙ ЛИСТ (ПРАВИЛО 26) Способ создания системы взаиморасчетов для продажи информации, товаров и услуг, - социальный рынок, реализуется следующим образом: SUBSTITUTE SHEET (RULE 26) The way to create a mutual settlement system for the sale of information, goods and services, is the social market, implemented as follows:
В момент подачи запроса на получение услуги, товара или услуги, покупатель принимает ее стоимость, после чего на его виртуальном кошельке программным комплексом блокируется сумма в соответствии от стоимости и существующих тарифов.  At the time of submitting a request for a service, product or service, the buyer accepts its cost, after which the amount is blocked on its virtual wallet by the software package in accordance with the cost and existing tariffs.
У исполнителя или продавца, который принимает на себя обязанности выполнения услуги, или продаже товара или информации, на мобильном кошельке программным комплексом также блокируется страховая сумма, в зависимости от стоимости товара, информации или услуги, и соответствующих тарифов.  The contractor or seller, who assumes the obligation to perform the service, or to sell the product or information, also blocks the insurance amount on the mobile wallet, depending on the cost of the product, information or service, and the corresponding tariffs.
Сторона, которая не исполняла свои обязанности теряет страховую сумму в пользу потерпевшей. При взаимном выполнении обязанностей страховые суммы считаются программным комплексом автоматически взаимозачетом.  A party that has not performed its duties loses the sum insured in favor of the victim. In the mutual fulfillment of obligations, the insured amounts are considered by the software package to be automatically offset.
Следовательно, построенная таким образом система системы взаиморасчетов для продажи информации, товаров и услуг, - социальный рынок, предоставляет возможность автоматического создания условий для проведения безопасной продажи, товаров и услуг.  Consequently, the system of mutual settlements system constructed in this way for the sale of information, goods and services, the social market, makes it possible to automatically create conditions for the safe sale of goods and services.
ЗАМЕНЯЮЩИЙ ЛИСТ (ПРАВИЛО 26) SUBSTITUTE SHEET (RULE 26)

Claims

Формула полезной модели  Utility Model Formula
Способ создания системы взаиморасчетов для продажи информации, товаров и услуг, с помощью мобильной связи, сети Интернет и программно - аппаратного комплекса, который осуществляется обменом информацией между серверами мобильного сервиса серверами продавца информации, товаров или услуг, кассовых аппаратов, сканеров, бонусних карточек и мобильных телефонов. Способ отличается тем, что полученные от пользователей запросы через терминалы покупателя, продавца, или исполнителя услуги, с помощью программного комплекса превращаются в данные, которые затем соответствующими каналами связи передаются на сервер, где в виртуальных мобильных кошельках продавца, покупателя или исполнителя услуги, на основе полученных данных, программой блокируются соответствующие страховые суммы, что гарантируют пользователям взаимное выполнение обязанностей.  A method of creating a settlement system for the sale of information, goods and services using mobile communications, the Internet and a hardware and software complex that is exchanged between servers of a mobile service, servers of a seller of information, goods or services, cash registers, scanners, bonus cards and mobile phones. The method differs in that the requests received from users through the terminals of the buyer, seller, or service provider are converted into data using the software package, which are then transmitted to the server via the appropriate communication channels, where, in the virtual mobile wallets of the seller, customer, or service provider, based on received data, the program blocks the corresponding insurance amounts, which guarantee users the mutual fulfillment of duties.
ЗАМЕНЯЮЩИЙ ЛИСТ (ПРАВИЛО 26) SUBSTITUTE SHEET (RULE 26)
PCT/UA2010/000063 2009-10-15 2010-09-20 Method for creating a reciprocal payment system for the sale of information, goods and services - a social market WO2011046526A1 (en)

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UAU200910435 2009-10-15
UAU200910435U UA51496U (en) 2009-10-15 2009-10-15 System implementation method for mutual exchanges for information, goods and service sale-social market

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996025828A1 (en) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. A method for using applications in a mobile station, a mobile station, and a system for effecting payments
RU37247U1 (en) * 2003-12-26 2004-04-10 Кузнецов Денис Олегович EXCHANGE SYSTEM FOR INTERNET TRADE ADVERTISING RESOURCES
RU2246757C1 (en) * 2003-06-19 2005-02-20 Иванов Михаил Борисович Method for performing cashless financial operations and system for its realization
RU2287857C1 (en) * 2005-10-20 2006-11-20 Автономная некоммерческая организация "Научно-исследовательский и Проектно-технологический Институт Технологий Автоматической Идентификации" Method of executing payments for goods and services with use of discounts
RU2007124340A (en) * 2007-06-29 2009-01-10 Общество с ограниченной ответственностью "Суперфон" (RU) MOBILE COMMUNICATION SYSTEM WITH ACCESS TO THE CENTER OF SERVICES

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996025828A1 (en) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. A method for using applications in a mobile station, a mobile station, and a system for effecting payments
RU2246757C1 (en) * 2003-06-19 2005-02-20 Иванов Михаил Борисович Method for performing cashless financial operations and system for its realization
RU37247U1 (en) * 2003-12-26 2004-04-10 Кузнецов Денис Олегович EXCHANGE SYSTEM FOR INTERNET TRADE ADVERTISING RESOURCES
RU2287857C1 (en) * 2005-10-20 2006-11-20 Автономная некоммерческая организация "Научно-исследовательский и Проектно-технологический Институт Технологий Автоматической Идентификации" Method of executing payments for goods and services with use of discounts
RU2007124340A (en) * 2007-06-29 2009-01-10 Общество с ограниченной ответственностью "Суперфон" (RU) MOBILE COMMUNICATION SYSTEM WITH ACCESS TO THE CENTER OF SERVICES

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