WO2013103285A1 - Savings and payment system - Google Patents

Savings and payment system Download PDF

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Publication number
WO2013103285A1
WO2013103285A1 PCT/KZ2012/000015 KZ2012000015W WO2013103285A1 WO 2013103285 A1 WO2013103285 A1 WO 2013103285A1 KZ 2012000015 W KZ2012000015 W KZ 2012000015W WO 2013103285 A1 WO2013103285 A1 WO 2013103285A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
settlements
obligations
server
servers
Prior art date
Application number
PCT/KZ2012/000015
Other languages
French (fr)
Russian (ru)
Inventor
Кайрат Хайруллович ЖАКСЫЛЫКОВ
Original Assignee
Zhaxylykov Kayrat Khayrullovich
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.)
Filing date
Publication date
Application filed by Zhaxylykov Kayrat Khayrullovich filed Critical Zhaxylykov Kayrat Khayrullovich
Publication of WO2013103285A1 publication Critical patent/WO2013103285A1/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Definitions

  • the invention relates to the field of information technology and the design of systems for settlements and other financial transactions, in particular to systems for payments and money transfers using mobile electronic communication devices, and can be used to create a single system designed for instant settlement and cash operations with subsequent registration between system customers - users of electronic, including mobile devices, subscribers of and as a mobile operator, and more, including regional mobile operators.
  • a disadvantage of the known payment system is the need for mandatory use of a mobile communication device with a set of smart cards and a substrate for a SIM card, which limits the use of this payment system.
  • the objective of the invention is to develop a simple and efficient and transparent system of mutual settlements of transaction participants.
  • the technical result consists in increasing the efficiency of accounting for settlements, simplifying the settlements between transaction participants, as well as reducing material and time costs, tracking mutual settlements, increasing the level of administration of transactions of system participants with subsequent charging
  • the seller-participant enters the system according to his identification data and accepting payment reflects this operation on the screen by entering the identification data of the buyer, the amount of payment and the name of the goods, work or service and the quantity with subsequent sending. to a server or a set of system servers for registration and settlement.
  • the system server calculates the seller’s obligations and accrues a bonus or offset for the buyer, depending on the selected settlement mode. Participants in the transaction will receive a message about this on an electronic, including mobile, device.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The invention relates to the field of information and computer technology. A client-seller enters the system using his own identification data and, when accepting a payment, records the transaction, inputting the identification data of the buyer, the payment amount and the name and amount of goods, work or services. As a result, the system calculates the obligations of the seller and converts a part of the payment amount into an offset against said obligations or a bonus in favour of the buyer and sends a message to this effect to an electronic, inter alia mobile, communication device belonging to each of the parties to the transaction. This increases the efficiency with which settlements are recorded, simplifies the execution of settlements between parties to a transaction, reduces material and time costs, ensures the traceability of settlements, and increases the level of administration of transactions carried out by users of the system with the subsequent calculation of obligations and offsets.

Description

Накопительно-платежная система.  Accumulative payment system.
Описание Description
Изобретение относится к области информационных технологий и конструирования систем для проведения взаиморасчетов и других финансовых операций, в частности к системам для осуществления платежей и денежных переводов с использованием мобильных устройств электронной связи, и может быть использована при создании единой системы, предназначенной для мгновенного проведения расчетно-денежных операций с последующей регистрацией между клиентами системы - пользователями электронных, в том числе мобильных устройств, являющимися абонентами сети как одного оператора мобильной связи, так и более, в том числе региональных операторов мобильной связи.  The invention relates to the field of information technology and the design of systems for settlements and other financial transactions, in particular to systems for payments and money transfers using mobile electronic communication devices, and can be used to create a single system designed for instant settlement and cash operations with subsequent registration between system customers - users of electronic, including mobile devices, subscribers of and as a mobile operator, and more, including regional mobile operators.
Предшествующий уровень техники  State of the art
Из уровня техники, см. патент Ns PCT\RU201 1\000789 «Платежная система с  From the prior art, see patent Ns PCT \ RU201 1 \ 000789 "Payment system with
использованием смарт-карты и подложки сим карты» Using a smart card and SIM card underlay »
Недостатком известной платежной системы является необходимость обязательного использования мобильного средства связи с комплектом из смарт-карты и подложки для сим карты, что ограничивает использование этой платежной системы. A disadvantage of the known payment system is the need for mandatory use of a mobile communication device with a set of smart cards and a substrate for a SIM card, which limits the use of this payment system.
Задачей изобретения является разработка несложной и оперативной и прозрачной системы взаиморасчетов участников сделки. The objective of the invention is to develop a simple and efficient and transparent system of mutual settlements of transaction participants.
Технический результат заключается в повышении эффективности учета расчетов, упрощении проведения взаиморасчетов между участниками сделки, а также на снижении материальных и временных затрат, прослеживании взаиморасчетов, повышения уровня администрирования сделок участников системы с последующим начислением  The technical result consists in increasing the efficiency of accounting for settlements, simplifying the settlements between transaction participants, as well as reducing material and time costs, tracking mutual settlements, increasing the level of administration of transactions of system participants with subsequent charging
обязательств и зачетов. obligations and offsets.
Практическая реализация системы показана на схеме N°l .  The practical implementation of the system is shown in diagram N ° l.
Участник-продавец входит в систему по своим идентификационным данньм и принимая оплату отражает на экране эту операцию с вводом идентификационных данных покупателя, суммы оплаты и наименования товара, работы или услуги и количество с последующей отправкой. на сервер или комплекс серверов системы для регистрации и расчетов. В результате сервер системы производит расчет обязательств продавца и начисление бонуса или зачета для покупателя в зависимости от выбранного режима расчетов. Участники сделки получат сообщение об этом на электронное, в том числе мобильное устройство.  The seller-participant enters the system according to his identification data and accepting payment reflects this operation on the screen by entering the identification data of the buyer, the amount of payment and the name of the goods, work or service and the quantity with subsequent sending. to a server or a set of system servers for registration and settlement. As a result, the system server calculates the seller’s obligations and accrues a bonus or offset for the buyer, depending on the selected settlement mode. Participants in the transaction will receive a message about this on an electronic, including mobile, device.
Хотя здесь показан и описан вариант, который признан лучшим для осуществления этого изобретения, специалистам в данной отрасли техники будет понятно, что можно осуществлять разнообразные изменения й модификации, элементы можно заменять на эквивалентные, не выходя при этом за пределы объема притязаний настоящего  Although the variant that is recognized as the best for the implementation of this invention is shown and described here, it will be understood by those skilled in the art that various modifications and modifications can be made, elements can be replaced with equivalent ones, without going beyond the scope of the present
изобретения. Соответствие заявляемого технического решения критерию изобретения «промышленная применимость» подтверждается указанным примером работы системы Жаксылыкова. inventions. The conformity of the claimed technical solution to the criteria of the invention "industrial applicability" is confirmed by the specified example of the Zhaksylykov system.

Claims

Формула изобретения Claim
1. Система взаиморасчетов между участниками сделки, состоящая из электронных, в том числе мобильных устройств участников, и сервера или комплекса серверов, связанных каналами связи посредством идентификационных данных заключающийся в том, что участник сделки, совершая сделку вводит эту операцию в электронное, в том числе мобильное устройство под своим идентификационным номером, отличающаяся тем что, 1. The system of settlements between the parties to the transaction, consisting of electronic, including mobile devices of the participants, and a server or a set of servers connected by communication channels through identification data consisting in the fact that the participant in the transaction, making the transaction, enters this operation into electronic, including a mobile device with its identification number, characterized in that,
отражаемая сделка вводится вместе с идентификационными данными другого участника сделки с последующей отправкой на сервер или комплекс серверов для регистрации сделки.  the reflected transaction is entered along with the identification data of another participant in the transaction, followed by sending it to a server or a set of servers to register the transaction.
2. Система, отличающаяся тем что, сервер или комплекс серверов рассчитает сумму обязательств на идентификационный номер у частник а- продавца.  2. The system, characterized in that the server or a set of servers will calculate the amount of obligations to the identification number of a private seller.
3. Система, отличающаяся тем что, сервер или комплекс серверов ' преобразует в зачет, бонус часть суммы оплаты на  3. The system, characterized in that, the server or a set of servers' converts into a set-off, a bonus part of the amount of payment for
идентификационный номер участника-покупателя.  Buyer Member Identification Number.
4. Система, отличающаяся тем что, участники системы будут  4. The system, characterized in that the participants in the system will be
уведомлены сервером или комплексом серверов о состоянии взаиморасчетов.  notified by the server or a set of servers about the status of mutual settlements.
PCT/KZ2012/000015 2012-01-05 2012-11-30 Savings and payment system WO2013103285A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KZ2012/0011.1 2012-01-05
KZ20120011 2012-01-05

Publications (1)

Publication Number Publication Date
WO2013103285A1 true WO2013103285A1 (en) 2013-07-11

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ID=48745307

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Application Number Title Priority Date Filing Date
PCT/KZ2012/000015 WO2013103285A1 (en) 2012-01-05 2012-11-30 Savings and payment system

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WO (1) WO2013103285A1 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EA200600717A1 (en) * 2006-01-23 2007-04-27 Общество С Ограниченной Ответственностью «Интерактивная Мобильная Процессинговая Компания "Мегапэй"» METHOD OF PERFORMING THE PAYMENT FINANCIAL OPERATION (OPTIONS)
EP2088548A1 (en) * 2008-02-11 2009-08-12 Accenture Global Services GmbH Point of sale payment method
US20100320266A1 (en) * 2009-06-23 2010-12-23 At&T Mobility Ii Llc Devices, Systems and Methods for Wireless Point-of-Sale

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EA200600717A1 (en) * 2006-01-23 2007-04-27 Общество С Ограниченной Ответственностью «Интерактивная Мобильная Процессинговая Компания "Мегапэй"» METHOD OF PERFORMING THE PAYMENT FINANCIAL OPERATION (OPTIONS)
EP2088548A1 (en) * 2008-02-11 2009-08-12 Accenture Global Services GmbH Point of sale payment method
US20100320266A1 (en) * 2009-06-23 2010-12-23 At&T Mobility Ii Llc Devices, Systems and Methods for Wireless Point-of-Sale

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