EA006625B1

EA006625B1 - Method of payments and transfers of money using mobile communication

Info

Publication number: EA006625B1
Application number: EA200401074A
Authority: EA
Original assignee: Мэйфэир Курт Консултантс Лимитед
Priority date: 2004-08-24
Filing date: 2004-08-24
Publication date: 2006-02-24
Also published as: WO2006021221A1; EA200401074A1

Abstract

The invention relates to mobile communication means, more definite to providing financial transactions via mobile communication. The technical aim is to provide effecting payments and transfers via mobile communication by its subscriber. The essence of the inventive method is to effect payments and transfers via mobile communication using subscriber's mobile communication personal accounts, for which the subscriber sends from the mobile phone a symbol string over wireless net of the mobile communication to the provider of the automatic service system, which receives information, identifies the subscriber and processes the obtained information. Based upon the processing financial transactions can be made from the subscriber's mobile communication personal accounts or from other accounts of natural or juridical persons.

Description

The present invention relates to mobile communications, and more specifically to the means of enabling financial transactions through mobile communications.

There is a method of making payment for goods and services using mobile communications.

CJSC "Mobile Payments Service Center" (^ ette.81tr.g.) payment for goods and services using a special δΙΜ-card (^ i'm eating ihei mobie) from the buyer's bank account to the seller's bank account. The subscriber’s money is not written off from his personal account, which he has with the mobile operator company. To implement this method, the buyer (mobile subscriber) and the seller (shop, restaurant, etc.) must open special accounts in certain banks, and also have a special δΙΜ-card on the phone. The system is monitored by the company itself, not by the mobile operator. Requires buyers and sellers to fulfill certain conditions (the presence of a special δΙΜ-card, the presence of a certain model of a telephone set, the opening of bank accounts in certain banks) that are not available everywhere, i.e. not everywhere there are authorized banks and / or not everywhere you can purchase a special δΙΜ-card and / or the subscriber does not want to purchase a certain phone model.

Analysis of known sources does not allow to choose the closest analogue to the proposed method.

The technical task of the present invention is to provide the possibility of making payments and money transfers by mobile subscribers.

The technical result is achieved by the fact that in the method of payments and money transfers through mobile communication using personal accounts of mobile subscribers, the subscriber from the mobile phone transmits data via the mobile radio network to the automatic service system of the mobile operator that receives the information transmitted by the subscriber, identification of the subscriber, processes the information received, based on the processing results, makes financial transactions with the funds of personal accounts mobile communication and / or cash funds of other accounts of individuals and / or legal entities.

It is also possible to carry out financial operations on personal accounts of mobile subscribers, when financial operations with money on the subscriber’s personal account are made using any external media (for example, a plastic card) that stores the subscriber identification signs and which can be transmitted via any communication channels including mobile.

In addition, the subscriber’s personal account may be a credit account, that is, the funds for it may come from various sources, for example, from other bank accounts, credit cards, and so on.

The proposed method is as follows.

Abbreviations, terms and definitions

1. OMC - Mobile Operator. OMS is a company or group of companies providing mobile (cellular) communication services (of any standard), regardless of the territory of registration and stay of these companies. It is assumed that the composition of the MLA may include any number of independent and / or subsidiary companies that carry out all types of economic activity (technical support, financial, trade, etc.) necessary in the aggregate to provide, ultimately, mobile (cellular) communication services for customers (subscribers).

2. AMC - Mobile Subscriber, natural or legal person using the services of the UMS.

3. Α (1), ... Α (ί), ... Α (η) - any mobile subscribers who have different OMS drugs.

4. BOS - personal account AMC. Drug is designed to account for income and expenditure of funds AMC. For different OMS, the name “LS” itself may be different, for example, “current account”, “personal account”, “account”, etc., which does not change its purpose. Each AMC has drugs at the OMS.

5. BS - Billing System OMS, system for recording movements (receipts and expenditures) of funds on AMC drugs. Any OMS has such a system.

6. Seller - The seller (supplier) of goods and services is the recipient of funds for goods sold and / or services rendered in any country of the world. The seller can be any state, public and private organizations, companies, banks, shops, utilities, restaurants, taxis, etc., i.e. any legal entities and individuals who have the right to sell goods and / or provide services and receive money for it, without limitation of the country of residence and registration of the Seller. Any Seller may be AMC.

7. Buyer - Buyer of goods and services - a payer of funds for goods purchased and / or services in any country of the world. The buyer can be any state, public and private organizations, companies, banks, shops, utilities, restaurants, taxis, etc., i.e. any legal entities and individuals who have the right to buy goods and / or services and pay for

- 1 006625 is cash, without limitation of the country of residence and registration of the Buyer. Any Buyer may be AMC.

8. 8 (1), ... 8 (ί), ... 8 (η) - any Sellers of goods and services that have different drugs in OMS.

9. Β (1), ... Β (ί), ... Β (η) - any Buyers of goods and services that have different drugs in the MHI.

10. Α8 (1), ... Α8 (ί), ... 8 (η) - BOS of any Sellers.

11. AB (1), ... AB (1), ... AB (n) - BOS of any Buyers.

12. AA (1), .., ΑΑ (ΐ), .. .AA (n) - BOS of any AMC.

13. DB - Database.

14. DBMS - Database Management System.

15. АСС - Automatic Service System ОМС. By АСС, we mean an automatic system ОМС, which receives and processes incoming calls from AMC. As a rule, any OMS has various own “dialer” numbers for the provision of certain services. We give a brief explanation. Depending on what sequence of characters and to which number the “dialer” sends the AMC from his mobile phone, the ACC performs the necessary actions in order to provide the AMC with the service it needs. For example, the AMC, by calling a specific number in the ACC, can receive information about the state of its medicine (the ACC determines the AMC number, i.e. identifies the subscriber and has access to the AMC equipment), get a file with a melody or other format to the memory device of your phone , send 8M8 message to any AMC number and so on.

16. 81М - Ziksygey Yeshyu Mobile - subscriber identification module.

17. 8M8 - Buyoy Mekkadu 8eguse - short message service.

18. νΑΡ - ^ 1е1е88 ΑρρΙΣαοη Pro1oso1 - application transfer protocol on the radio network.

Before considering the examples of the implementation of the proposed method will make an explanation. The term "a subscriber from a mobile phone transmits data over a mobile radio network" means that the subscriber can transmit data from a mobile phone in various ways, for example, as a normal call, where the number of the called subscriber is a sequence of characters;

in the form of 8M8 messages;

by νΑΡ protocol;

pre-filling a specific form (in the “menu” of the telephone) with the subsequent sending of this completed form, i.e. using the program stored on the phone’s storage device (ROM, 81M, flash memory);

in the interactive mode, when data is transmitted in stages (parts), i.e., the AMC of the MLA by voice informs the subscriber what part of the transmitted data he should send at the moment;

combinations of the above methods or any other methods that may be provided by a specific OMS and which may be convenient and / or available to the subscriber.

The method of data transmission by the subscriber in the ACC OMS does not affect the essence of the further consideration, therefore, for definiteness, in the examples considered below, we will assume that the subscriber transmits data as a normal call.

Example number 1. Transfer of funds between drugs of different subscribers.

By transferring money from one medicine to another, we will understand the way in which any AMC can independently transfer money from its medicine to a medicine of any other AMC, knowing only the telephone number of the recipient of funds.

Scheme №1

In this scheme, number 1 circles with numbers inside indicate the sequence of each step. Below is a description of each step of the operation of this scheme.

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Step number 1 - Ά (ί) dials a specific sequence of characters and sends it (as a call) to a specific number of the ACC OMS. Below is an example # 1.1 dialing to convert the amount of 8 from ΑΑ (ί) to AA (k). Waiting for a response from the ACC that the call is received, Ά (ί) disconnects from the ACC.

Step 2 - ACC checking the password Α (ί) and receiving translation parameters from it (8, (ί), АА (к)), transmits these parameters to OMS BS.

Step # 3 - The OMC BS debits the amount of 8 from ΑΑ (ί) and credits it to AA (k).

Step number 4 - BS OMS "informs" the ACC that the transfer of the sum of 8 from () to AA (k) was successfully completed.

Step # 5 - ASC sends an A (k) 8M8 message stating that a sum of 8 has been received on its drugs. This message contains a phone number Α (ί), a sum of 8, the Latin letters OK, respectively. The 8M8 message, for example, looks like this:

095 987 65 43

1567-89

OK

The recipient sees how much and from whom she entered on his drug.

Step №6 - АСС sends Α (ί) 8М8-message about the successful transfer, which contains the phone number Α (1 <). 8 (rub-kop), Latin letters OK, respectively. An 8M8 message, for example, looks like this:

095 123 45 67 1567-89

OK

The sender sees how much and to whom was transferred from his drug.

In case the transfer cannot be carried out successfully (for example, Α () does not have sufficient funds on its medicine to make the transfer), the ESS sends Α () an 8М8 message about the impossibility of making the transfer. In this case, an 8M8 message, for example, looks like this:

095 123 45 67 1567-89

I, Oh \\ 'ΝΟΤ OK

Example # 1.1 of dialing a number by a subscriber Α (для) for transferring the amount of 8 from () to АА (к) (explanation to Step №1):

Ν1 * 2 * Ν3 * Ν4 ##

Where <*> and <#>"asterisk" and "grid" symbols, respectively.

Ν1 is the OMS number for making payments. This number, for example, may be different for different types of currencies, that is, for each type of currency its own number. Ν1 = 01234 (number for payment in rubles)

Ν2 - the password for AMC access to your LAN. Ν2 = 111111

Ν3 - telephone number A (k) - the recipient of funds. Ν3 = 70951234567

Ν4 - the amount of 8 (RUB. Cop.) - the amount of the transfer. Ν4 = 1567 # 89 (1567 rub. 89 kop.)

Thus, the sender (subscriber-A (1)) dials the following sequence of characters on his phone:

01234 * 111111 * 70951234567 * 1567 # 89 ## <send key>

Consider the examples of payments for goods and services. We conditionally divide all payments into two categories: “urgent” and “deferred”.

Urgent payment.

We call a payment “urgent” if the Buyer needs to make a payment fairly quickly (within a few minutes), for example, in a shop, restaurant, taxi, etc.

Deferred payment.

We call a payment “deferred” if the Buyer needs to make a payment within a sufficient period of time (several days, weeks), for example, to pay utility bills, phone calls, make advance payments, and so on.

Below are examples of payment methods that can be used for “urgent” and “deferred” payments.

Example number 2. Active way to make payments.

By the active method of making payments we shall mean the way in which the Buyer independently transfers funds from his / her drug to the PM of the Seller.

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Scheme №2

In this scheme, number 2 circles with numbers inside indicate the sequence of each step. Below is a description of each step of the operation of this scheme.

Step # 1 - The seller makes a call to a specific number of the ACC OMS. Having waited for the answer from АСС, that the call is accepted, the seller is disconnected from АСС. Next, the ACC, determining the subscriber number, generates a payment descriptor for it (hereinafter Ό) and a payment key (hereinafter referred to K).

Step # 2 - ASC sends to the Seller an 8M8 message containing two digits, Ό and K respectively, for example, an 8M8 message looks like this:

1234

5678

Step # 3 - The Seller informs the Buyer 3 parameters of the forthcoming payment, namely, the Seller’s BOS number, Ό, the amount of the purchase (hereinafter referred to 8).

Step 4 - The buyer makes a payment, that is, dials a certain sequence of characters and sends it (as a call) to a specific number of the ACC MHC. Below is an example of number 2.1 dialing for payment of the amount of 8. Waiting for a response from the ASS, that the call is accepted, the Buyer disconnects from the ASS.

Step 5 - ACC, having received all the necessary payment parameters and determining the subscriber (Buyer) number, “gives the command” to the OMC BS to debit the amount of 8 from the Buyer’s PM and credit it to the Seller’s PM.

Step # 6 - The OMC BS debits the amount of 8 from the Buyer's BOS and credits it to the Seller’s BOS.

Step number 7 - BS OMS "informs" the ACC that the payment of the sum of 8 with the parameters успешно and K has been successfully completed.

Step №8 - АСС sends the Seller a 8М8 message about the successful payment, which contains Ό, K, 8 (rub-cop), the Latin letters OK, respectively. An 8M8 message, for example, looks like this:

1234

5678

1567-89

OK

In case the payment cannot be made successfully (for example, the Buyer does not have sufficient funds on his medicine to make the payment), the ASC sends the 8M8 message to the Seller about the impossibility of making the payment. In this case, an 8M8 message, for example, looks like this:

1234

5678

1567-89

1.OZH VABAHSE

ΝΟΤ OK

Example No. 2.1 of the number dialed by the Buyer to pay the amount of 8 (Explanation of Step 4):

Ν1 * 2 * Ν3 * Ν4 * Ν5 ##

Where <*> and <#>"asterisk" and "grid" symbols, respectively.

Ν2 - the password for AMC access to your LAN.

Ν2 = 111111

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N3 - the Seller’s PM number, which, for example, the Buyer can see at the store’s checkout. As the Seller’s personal number, his mobile phone number can be used.

N3 = 2222222

N4 - payment descriptor “Ό” (purchase number). The purchase number of the cashier informs the buyer at the time of payment of the goods.

N4 = 33333

N5 - the amount of 8 (RUB. Cop.) - the cost of the purchased goods.

N5 = 1567 # 89 (1567 rubles. 89 kop.)

Thus, the Buyer dials the following sequence of characters on his phone: 01234 * 111111 * 2222222 * 33333 * 1567 # 89 # # <send key>

We make a few explanations to the above scheme.

1. Question: What is the purchase descriptor Ό necessary in this scheme? Answer: The Seller must know for sure that at the given moment of time this amount of money has been credited to his account from the particular Buyer. The seller can generate Ό and administer the database of these descriptors.

2. Question: What is the purpose of the payment key K in this scheme?

Answer: This key is known only to the Seller and keeps it secret in order to know that the 8M8 message about the payment made (Step # 8) was sent to him from the ACC, and not by an unauthorized person.

3. Question: How should the Buyer receive the Seller’s PM and “Ό” payment with a deferred payment in order to make a correct payment? Answer: The seller must indicate the BOS and "Ό" on the invoice for payment. In this case, the Buyer has the opportunity to correctly make a payment, knowing the Seller’s BOS and the “Ό” of the payment. The seller, in turn, has the ability to identify the payment, i.e. determine from which payer funds were received, as the Seller’s database contains each “Ό” full information about the payment made (payer's name, address, period of payment, type of service provided, etc.). Each Seller determines which information should correspond to each “Ό” in his database, administers this database and generates “Ό” for each of his own invoices for payment. In order for the Seller to find out which particular invoice has been paid, he must make a request to the OMC BS and receive information about the paid descriptors.

Example number 3. Passive way to make payments.

By the passive method of making payments, we will understand the way in which the Seller transfers funds to his / her own drugs from the Buyer's drugs.

Scheme №3

In this scheme, number 3 circles with numbers inside indicate the sequence of each step. Below is a description of each step of the operation of this scheme.

Step # 1 - the Buyer informs the Seller about his phone number (or his personal number).

Step 2 - The seller dials a certain sequence of characters and sends it (as a call) to a specific number of the ACC OMS. Below is an example number 3.1 dialing to debit the amount of 8 with the Buyer's drugs. Having waited for the answer from АСС, that the call is accepted, the Seller is disconnected from АСС.

Step 3 - ACC, having received the amount of 8 from the Seller of the Buyer, and determining the subscriber’s number (Seller), generates a payment descriptor Ό and sends all the necessary parameters (Buyer’s PM, amount 8, LPC of the seller, payment descriptor Ό) to the OMC BS to withdraw the amount 8 from the Buyer's BOS and crediting it to the Seller’s BOS. At this step, the BS OMC becomes in the “standby mode” and waits for confirmation from the Buyer (Step # 7).

Step 4 - After generating the payment descriptor Ό, the ACC sends an 8M8 message to the Merchant, which contains the payment descriptor Ό. In this case, an 8M8 message, for example, looks like this: 1234.

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Step №5 - the Seller informs the Buyer the payment descriptor Ό.

Step number 6 - The buyer dials a certain sequence of characters and sends it (as a call) to a specific number of the ACC OMS. Below is an example number 3.2 dialing such a number.

Step # 7 - The ACC, checking the Buyer's access password, receiving the payment descriptor Ό from it and determining its phone number (and therefore the medicine number), sends these two parameters (the medicine number and the payment descriptor) to the OMC BS.

Step # 8 - The OMC BS compares the parameters (Buyer's BF number and payment descriptor Ό) received from the Seller (Step # 3) with the parameters (Buyer's BF number and payment descriptor) received from the Buyer (Step # 7). If the parameters match, the BS OMS debits the amount of 8 from the Buyer's BOS and credits it to the Seller’s BOS.

Step 9 - the CB OMS “informs” the AAS that the withdrawal of the amount of 8 from the Buyer's BOS and its crediting to the Seller’s BOS has been successfully completed.

Step 10 - АСС sends the Seller a 8M8 message about the successful payment, which contains Ό, 8 (rub-cop), the Latin letters OK, respectively. An 8M8 message, for example, looks like this:

1234

1567-89

OK

1234

1567-89

BOA WABAHSE

ΝΟΤ OK

Passive payment method is as simple as active. The buyer can use active and passive ways depending on the situation. Note that with a passive payment method, in contrast to the active payment method, the Buyer is required to enter fewer characters.

Example No. 3.1 of the number dialing by the Seller to debit the amount of 8 from the Buyer's DOC (explanation to Step No. 2):

Ν1 * 2 * Ν3 * Ν4 ##

Where <*> and <#>"asterisk" and "grid" symbols, respectively.

Ν1 is the OMS number for making payments. This number, for example, may be different for different types of currencies, that is, for each type of currency its own number.

Ν1 = 01234 (number for payment in rubles)

Ν2 - password for the Seller’s access to his / her drug.

Ν2 = 111111

Ν3 - Buyer's phone number.

Ν3 = 70951234567

Ν4 - the amount of 8 (RUB. Cop.) - the cost of the purchased goods.

Ν4 = 1567 # 89 (1567 rub. 89 kop.)

Thus, the Seller dials the following sequence of characters on his phone: 01234 * 111111 * 70951234567 * 1567 # 89 ## <send key>

Example No. 3.2 of the number dialed by the Buyer to confirm the debiting of the amount of 8 from his medicine (explanation to Step No. 6):

Ν1 * 2 * Ν3 * ##

Where <*> and <#>"asterisk" and "grid" symbols, respectively.

Ν1 = 01234 (number for payment in rubles).

Ν2 - the password for the Buyer's access to his drug.

Ν2 = 111111

Ν3 - payment descriptor "Ό".

Ν3 = 1234

Thus, the Buyer dials the following sequence of characters on his phone: 01234 * 111111 * 1234 ## <send key>

Consider the examples of the transfer of funds from the AMC to other accounts of individuals and legal entities. By other accounts, we will mean accounts that are not HP.

Example number 4. Money transfer by a subscriber from his OMS to his accounts and accounts of other individuals and legal entities in payment systems using “digital money”.

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Currently, there is a wide variety of various payment systems based on the use of so-called "digital money". We will not dwell here on the description of the functioning of these systems, as they are given in detail on the relevant sites on the Internet, but we will list only the most popular among them: RauRa1, Mopbeh, E1d1Sa8Y, RyuYuyeh, Syeskrtee, SVErP1a (, Kirau, HUeMopeu, etc. When considering, we assume that the AMC has its own personal account, for example, in the RauRa1 system. ).

Scheme №4

Legend

AOMS is the “own” OMS account, to which funds debited from the DOS subscribers are credited. Physically, it may not be present on the scheme, it is given formally, so that it can be clearly seen that the funds are debited from the subscriber's LAN.

АR (1), ... АР (1), ... АР (к), ... АР (п) - personal accounts of clients in the system RauRa1, where AR (1) is account А (1) in the system RauRa1 , and АR (k) is the OMS corporate account in the RauPa1 system, from which funds can be debited to the accounts of any clients of the RauPa1 system.

In this scheme, number 4 circles with numbers inside indicate the sequence of each step. Below is a description of each step of the operation of this scheme.

Step number 1 - A (1) sends a specific sequence of characters (as a call) to a specific number of the ACC of the MLA. Below is an example number 4.1 dialing to transfer the amount of “8” from AA (1) to the AP (1). Having waited for the answer from АСС, that the call is accepted, А (1) is disconnected from АСС.

Step 2 - ACC checking the password A (1) and receiving translation parameters from it (8, AA (1), AP (1)), transmits these parameters to the BS OMC.

Step №3 - BS OMC writes off the amount of 8 from AA (1).

Step 4 - The OMC BS, having the transfer parameters (8 and AP (1)), communicates with the RauRa1 system, transmits these parameters and gives the command to transfer the amount of 8 from its corporate account АR (к) to the account of its subscriber having an AP (1) in the system RauPa1. Here we will explain in more detail the words "communicates with the RauPa1 system, transfers these parameters and gives a command to transfer the sum of 8". The fact is that the RauPa1 system provides the ability to automatically make such transfers from one account to another. To do this, RauPa1 provides the appropriate software that can be flexibly configured for various needs (including the described ones) on the client side, i.e., in this case, on the OMC side. On the client side, there should be access to the Internet, since data exchange between the RauPa1 system and the client is carried out mainly via the NTTP protocol or via the own RauPa1 protocols.

Thus, when installing the appropriate software, the BS OMC can exchange data with RauPa1 in automatic mode. The system RauRa1 provides its customers with ample opportunities to manage their own accounts.

Step 5 - the RauPa1 system, having received the transfer parameters, writes off the sum of 8 from the AP (k) and credits it to the AP (1).

Step 6 - the RauPa1 system transmits information on completion of the operation to the BS OMS.

Step 7 - BS OMC transmits information on the completion of the operation to the ACC.

Step №8 - АСС sends А (1) 8М8-message about successful transfer, which contains account АР (1), 8 (dollar-cent), Latin letters OK, respectively. An 8M8 message, for example, looks like this:

123456789

67-89

OK

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The sender sees how much money was transferred from his personal account and to whose account. If the transfer cannot be completed successfully (for example, Ά (ί) does not have sufficient funds on its medicine to make the transfer), then the ACC sends Α () a 3M3 message about the impossibility of making the transfer.

In this case, a 3M3 message, for example, looks like this:

123456789

67-89

POA ΒΑΣΑΝΟΕ

ΝΟΤ OK

From the foregoing it can be seen that AMC can transfer funds from its OMS drugs not only to its account in the RauRa1 system, but also to the account of any other client of this system. It is enough to know only the recipient's account in the RauPa1 system, while the recipient (the client of the RauPa1 system) does not have to be the MHI subscriber, it is only necessary that they be the sender.

We also note that the scheme described above, with a minor modification, allows you to transfer funds in the “opposite direction”, that is, from a “RauRa1-account” to a DL. We will not give a description of this scheme, since it is not the subject of this work.

Example # 4.1 of dialing to convert a sum of 3 from AA (1) to AP (1) (explanation to Step No. 1) Ν1 * 2 * Ν3 * Ν4 ##

Where <*> and <#>"asterisk" and "grid" symbols, respectively.

Ν1 is the OMS number for transferring funds to the RauPa1 system.

Ν1 = 01234 (number for payment in dollars)

Ν2 - the password for AMC access to your LAN.

Ν2 = 111111

Ν3 - account number АR (1) - the recipient of funds in the system RauPa1.

Ν3 = 123456789

Ν4 - amount 3 (dollar, cent.) - amount of transfer.

Ν4 = 67 # 89 (67 dollars 89 cents)

Thus, the sender Α () dials the following sequence of characters on his phone:

01234 * 111111 * 123456789 * 67 # 89 ## <send key>

Example number 5. Money transfer by the subscriber from his OMS to his accounts and accounts of other individuals and legal entities in banks.

If the bank in the scheme No. 4 will act as the RauRa1 system, the AMC can transfer funds from the OMC to your accounts and accounts of other individuals and legal entities with banks using a mobile phone. The changes will concern only the implementation of Steps No. 4, 6. At present, a large number of bank-client solutions are presented on the market, which allow, via various communication channels, to exchange data between the bank and the client both automatically and manually, therefore not We will dwell on the proof of the possibility of such an exchange, because of its obviousness. In any bank, you can find a description of the bank-client system.

We make a few notes related to the examples described above. The specialist understands that all or any part of the subscriber’s identification information (for example, the subscriber’s password for accessing the drug account, personal account number, etc.) can be stored on any external media, for example, on plastic cards and transmit this information to the ACC of the MLA at the time of payment from using well-known devices for reading and transmitting information used, for example, to make payments from credit / debit cards. In this case, a plastic card with subscriber identification information is no different from ordinary plastic credit / debit cards (in the sense of financial transactions), except that financial transactions are made over the personal account of the mobile subscriber.

Moreover, it is possible not to transmit the subscriber's password to the drug through the radio network or other communication channels, but to authenticate the subscriber to allow (or prohibit) access to the medicine, for example, using the method described in the RF patent № КИ 2216114 С2. It is also possible to simplify the work of the Seller, he can exchange information with the BS OMC and monitor his medicine, for example, using a computer connected to the Internet, etc.

Thus, all the above examples prove the fundamental possibility of making payments by mobile communication by the proposed method, based on the current level of technology.

An important fact is that this invention is aimed at the emergence of a fundamentally new method of making payments, which allows subscribers, having only a mobile phone, to make payments for goods and services or to make instant money transfer from one personal account to another as “inside” of one MHI, and beyond.

The current market analysis shows that the proposed method is not currently known on the market in the form in which it is described, therefore it is new and has the following advantages:

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1. its use is simple and massive, i.e. a necessary and sufficient condition for the use of this method is that the Buyer has a mobile phone connected to the local medical insurance network;

2. due to the fact that mobile communication is widespread (including all types of roaming) and is developing rapidly, the territory of using the method is practically unlimited in terms of the need to use it;

3. in mutual settlements between the Buyer and the Seller, no other third parties are involved, except for the MLA;

4. Buyer's funds are stored in his personal account at the OMS, i.e. The buyer does not need to open additional accounts and store money in other "intermediate"organizations;

5. subscribers have the ability to instantly (automatically, in real time) transfer money to each other from one personal account to another, without involving any other third parties in the transfer process except OMC;

6. on the side of the Buyer, no additional special technical equipment is required (the presence of special §1M-cards (Mobile Security), a specific model of a telephone set, a computer connected to the Internet, etc.);

7. On the Seller’s side, no additional special technical equipment is required; the Seller must have either a mobile phone or (if it needs a convenient interface), a computer cash desk connected to the billing system OMS (in this case, software of the server servicing the computer cash desk and / or the cash desk itself);

8. on the side of the MLA, for the implementation of this method, minimal investments and changes are required, mainly related to upgrading billing systems, encrypting data exchange, storing and verifying passwords, etc., i.e. software;

9. any mobile subscriber has the opportunity at any time to withdraw funds from his / her personal drugs (for example, at the cash desk of the health insurance system, ATM, etc.);

10. any mobile subscriber has the opportunity to pay from his phone (PM) for the goods purchased by other Buyers, being at a distance from these Buyers, transferring money to their drugs or directly to the Seller’s PM;

11. It is impossible to use money from the LAN of someone else’s phone (for example, a lost one), because a password is required that is not stored on various mobile phone storage devices, but which the owner of the mobile phone knows, or the password can be stored on external media or used other subscriber authentication methods;

12. There is no need at the time of payment to have an identity card, which is required, for example, when making payments by credit cards, in a bank, etc.

Claims

CLAIM

Method of payments and money transfers via mobile communication using personal accounts of mobile subscribers, which means that a subscriber from a mobile phone transmits data via a mobile radio network to an automatic service system of a mobile operator that receives information transmitted by the subscriber, identifies the subscriber , processes the received information, according to the results of processing, makes financial transactions with the money of personal accounts of mobile subscribers and / or with cash of other accounts of individuals and / or legal entities.