BG106664A - Method for cash payment and device for its realization - Google Patents

Abstract

The method and the device are used for payments among the subscribers of communication operator (CO) network, or between at least two communication operators. They ensure cash payment as a new additional functional potential to an already built communication system with established services by previously existing contractual escrow payment relations between the operator and his/her subscribers, ensuring quick and safe remittance of the sums, with low tariff remittance and it documentation in the primary accountancy documentation. According to the method, a CO subscriber, as the person for ordering the payment, generates a request for "payment" mode with the telephone number of the subscriber, receiving the payment. A SMS response is formed to the ordering subscriber with data for the financial identification of the payment receiver, who fills it and sends a signal for its sending as a pay order. Automatic cash remittance is formed between the two traditionally existing accounts in the CO of the two subscribers. The remittance is memorized and SMS acknowledgements are formed for the cash remittance made to both participant of the payment. Account reports are issued containing the data of the remittance made, as well as primary accounting documentation. The device has an input "pay" button, connected across "address" unit of subscribers with access to the payment service with a control unit of payment mode. 7 claims, 4 figures

Description

Technical field

The invention relates to a method of cash payment and device for its implementation, which find application for payment between the subscribers of one network communication operator (KO), such as telephone network, Internet or other type of system, and between the subscribers of at least two communication operators .

BACKGROUND OF THE INVENTION

There is a known method of credit and debit card payment through a communications operator whereby only payment information is transmitted to the parties to the transaction / transaction without clearly identifying and clearly documenting the money transfer. This method is of limited practical use, since a subscriber must have credit or debit cards in advance in order to make a payment. There is no known method for cash payment between the customers of a communication operator system through the pre-existing contractual trust payment relations between the switch operator and its subscribers-users of its communications services.

There is no known device for cash payment between clients of one communications operator through the pre-existing contractual trust payment relations between the switch operator and its subscribers-users of its communication services.

SUMMARY OF THE INVENTION

It is an object of the invention to provide a method of cash payment between clients of a communication system system and a device for its implementation, as a new, additional functionality to the already established communication system with established services only by using pre-existing contractual trust payment relationships between the switching operator and subscribers; to ensure even faster and secure transfer of the sums of 35 traditionally maintained by the CA to the payer in

the traditionally maintained account of the payee (recipient) with low rates of translation and documenting it in primary accounting documents.

The method of cash payment according to the invention consists in the fact that 5 subscribers of the CA, as a payer, generate a request-request for a payment mode with the telephone number of the payee. Then, the communication operator automatically creates a return message ((MH)) response to the subscriber-payer of the data with the financial identification of the payee. The subscriber subscriber completes it and submits a command / permission signal for sending the completed reply message as a payment order via CA;

automatic cash transfer between the two existing traditional telephone accounts in the CO of the subscriber-subscriber and the subscriber is made. This money order is remembered and messages are issued15 acknowledgments of the money transfer (SMS message) to the two participants in the payment transaction, after which reports with the data for the executed transfer and primary accounting documents are issued to the client-client and the receiving client.

During the automatic transfer via CA between the 20 existing traditional telephone accounts of the originating subscriber and the receiving subscriber, a message may be issued to the subscriber subscriber for an error and a new start.

In one embodiment of the method according to the invention, after an automatic transfer via CA between the two traditionally existing 25 telephone accounts of the payer and the payee is sent a confirmation message for the executed money transfer (SMS message) together with a copy of the payment order only to the payee. This money transfer confirmation message, together with an encrypted certificate of its contents, is forwarded through the CA to the subscriber 30 the payer of the payment and then the reports with the data for the executed transfer and primary accounting documents are issued to the subscriber and the subscriber.

In another variant of the method, the account of the receiving subscriber may be outside the CA having access to it.

Also, a request for a payment order may be addressed to a payee, a subscriber to another CA.

The cash payment device according to the invention consists of an input code-key "ROW" connected via block addresses of subscribers with access to a payment service with a control block of a payment mode, which in turn is connected with a block of data for financial identification of subscribers with access to a payment service, with a block of data on the accounts of subscribers with access to a payment service and with a block of SMS messages for a payment mode. The latter is related to the mobile phones of the payer and the payee.

The cash payment device may also include an extra

the betting organizer control unit associated with the payment mode control unit and through the betting and certificate data block associated with the certification block. The latter is also related to the governing body of the betting organizer.

The advantages of the method of cash payment between subscribers of a "communication operator" system according to this invention are that it also provides a new additional function in parallel with the basic 20 communication capabilities of the operator: fast and secure cash payment between its subscribers, since make use of the already existing contractual trust payments between the CA and the customers who use its traditional services; even lower money transfer rates are provided due to the use of existing operations for 25 telephone connections and sms messages; and documenting the translation in primary accounting documents is just a supplement to the traditionally invoiced monthly fees. The method has a wide practical application to facilitate the payment of daily expenses and fees.

The advantages of a cash payment device between subscribers of one 30 "communication operator" system are that it is simplified and inexpensive to build, as it uses the existing hardware configuration of the CA itself, provides fast and secure cash payment as speed and the reliability of the schematic configuration of the CO as an intermediary; The device also provides low rates for money transfers, due to increasing only the turnover of existing telephone and SMS messaging operations, as well as using existing customer accounts; documenting the translation in primary accounting documents is just an addition to the traditionally invoiced monthly fees.

FIG. 1 is a diagram for illustrating a method using a mobile telephone operator; FIG.

Figure 2 is a diagram of an illustration of the method applicable to payment in participations of 10 in betting and gaming;

Figure 3 is a front view of a mobile phone adapted for cash payment;

Figure 4 is a functional diagram of a cash payment device between subscribers of a communication system;

Examples of carrying out the invention

Payment according to the method according to the invention is made only between subscribers of a communication operator (s) who have an additional agreement for this service with him. .

Example 1: In one particular embodiment of the cash payment method according to the invention, the communication operator is, for example, a mobile telephone operator. According to Figure 1, his telephone subscriber 1 may simultaneously be a payer by dialing a code / "button" on his mobile phone through which the mobile communications operator 3 enables the payment function. This code selects the payee's telephone number 4 from the same "communications operator" system. As a result, an automatic text response (LM) of response 5 to the payer subscriber 1 containing data on the financial identification of the recipient of the payment (recipient) is automatically generated from CA 3. Paying Order 1 subscriber is, for example, a payment order form with a blank space for the payment order identification number (order number), the reason for payment (the type of debt between the two) and the value of the transfer. Promoter 1 confirms the completed text message to CO 3 by sending a command / authorization signal (eg with the same code / key on the keypad 2 of the mobile phone). CO 3 makes automatic payment 6 by internal order 7 between the two existing telephone accounts 8 of 5 subscriber1 and of the recipient 4. Subsequently, CA 3 makes 9 and sends 10 short text messages - payment confirmation to the two payment participants. . The payment data is stored 11 in a database maintained by the operator, which prepares reports (SMS message) with the data for the performed transfer to the payer 1 and to the payee 4, reports as needed, and primary accounting documents that arrive at both monetary parties

transaction / transaction as part of the monthly telephone bill for services consumed.

In one embodiment of the method, an error message is issued during the internal automatic payment by CA 6 and instructions that the payment order begin again.

Example 2: The communication operator in the method of the invention may also be an Internet provider whose users are connected to it through

I computer and already have a trusted payment relationship with him 20 (his account). Thus, other daily payments can be made between users who have an additional annex to the basic contractual relations for the services offered by the Internet service provider. In this case, the sent messages - acknowledgments 10 for the payment made to both participants in the payment and the other electronic documents are certified with 25 encrypted certificate according to PCT / BG / 00/00010.

Example 3: The payment method illustrated in Figure 2 is applicable to betting and gaming based on the completion of slips by mobile phone or computer. Here, the text message-response 5 to the subscriber of payment 1 with the financial identification details of 30 payees 4 is a modified payment order: it contains (in addition to the usual payment attributes) in addition and a specification of bets and / or the numbers and format of the betting or gaming session. Answer 5 text message is filled in according to a pre-announced template by the organizer of the games / betting. Subscriber 1 returns the completed text message 5 to the mobile telephone operator 3 to make the payment 6 and confirm the bet. The mobile operator 3, in addition to making a transfer 7 between the accounts of the two addressees, also communicates 12 with the betting organizer recipient 45 to receive an encrypted certificate 13 of the contents of the short message from him, according to PCT / BG / 00/00010. This encrypted certificate 13, together with the money transfer message 10, is forwarded through the mobile operator 3 to the payer 1, and they may be accompanied by an encrypted certificate of the mobile operator itself, 10 acting as an electronic notary in accordance with. PCT / BG / 00/00010, which also guarantees the authenticity of the betting information.

© The method according to the invention is also feasible when the payee's account 4 is outside the CA having access to it.

The method according to the invention is also feasible when the request for payment authorization 15 is for the payee 4, a subscriber to another CA.

An exemplary embodiment of the device according to the invention is shown in Figure 4. It utilizes existing devices and connections in the system of the telephone mobile operator and consists of separate 20 functionally modified blocks in it. The device includes an input button "rau" 2 connected via block addresses 14 to subscribers with access to a payment service with a control unit of payment mode 15, which in turn is connected to a data block 16 for financial identification of subscribers with access to a payment service, with a block data 17 for the accounts of subscribers with access to a payment service 25 and with a block of SMS messages for payment mode 18. The latter is connected to the mobile phones of a subscriber 1- payer and subscriber 2 of the payee.

In one embodiment of the device according to the invention for ordering payment for gaming and betting, it further comprises a betting organizer control unit 19 connected to the payment mode control unit 18 and through a betting and certification data block 20 associated with a certification block 21. The last block 21 is connected to the betting organizer control unit 19.

Claims (7)

Patent Claims 1. A method of cash payment, characterized in that the CA subscriber, as a payer, generates a request-request for payment and 5 the telephone number of the payee, then a communication message (SMS) is automatically generated by the communication operator to the payee subscriber with details of the payee's financial identification, the payee completes it and submits a command / authorization signal for sending the completed 10 reply message as a payment order via CA; automatic money transfer between the two existing traditionally telephone accounts in the CA of the subscriber-subscriber and the recipient subscriber, this money transfer is memorized and messages- confirmations for the executed money transfer (SMS message) are made to the two participants in the 15 payment transactions, after which issues reports with the data for the executed translation and primary accounting documents to the client-client and to the client-recipient. Method according to claim 1, characterized in that during the automatic transfer through the CA between the two existing 20 traditionally telephone accounts of the payer and the payee, an error message and a new start are issued to the payee. . 3. The method according to claim 1, characterized in that, after an automatic transfer through the CA between the two existing traditionally telephone accounts of the originator and the recipient subscriber 25 sends a confirmation message for the executed money transfer (SMS message) together with a copy of the payment order only to the payee, then the message for the executed money transfer together with its encrypted certificate of its contents is forwarded through the CA to the subscriber of the payment and issued. the reports with the data for the executed translation and 30 primary accounting documents to the client-subscriber and to the recipient subscriber. Method according to claims 1, 2 and 3, characterized in that the account of the recipient subscriber is outside the CA which has access to it. ................ 5. A method according to claims 1, 2,3 and 4, characterized in that the request for payment is for a payee, a subscriber to another CA. 6. A cash payment device, characterized in that it comprises 5 of the input code-button "rau" (2) connected via block addresses (14) to subscribers with access. to a payment service with a control unit (15) of a payment mode, which in turn is connected with a data block (16) for financial identification of subscribers with access to a payment service, with a data block (17) for the accounts of subscribers with access to a service payment and with a block of SMS messages for the payment mode (18), the latter is 10 connected to the mobile phones of the subscriber (1) - the payer and the subscriber (4) - the payee. 7. Cash payment device according to claim 6, characterized in that the betting organizer control unit (19) is connected to the payment mode control unit (15) and is further connected via a data block (20). 15 for betting and certificates with a certification block (21) associated with the betting organizer control unit (19).