RU106776U1 - SYSTEM FOR IMPLEMENTATION OF FINANCIAL TRANSACTIONS - Google Patents

Abstract

 A system for carrying out financial transactions based on the identification of at least one biometric data sample and a personal identification code obtained at the data registration stage, characterized in that it contains a payment system server interconnected by communication means of various types, including software , allowing you to store, process, receive and send the received information, the payment terminal server and the payment terminal of the sales node, which in turn, it is connected to the store’s trading system, receipt printer, and biometric data scanner, and the payment system server is connected to at least one access point that is connected to the receipt printer and biometric data scanner.

Description

The utility model relates to devices for conducting financial transactions, namely, to provide settlements between the seller and the buyer.

The most common type of financial transactions currently are identification and credit cards. Using identification (plastic) cards, remote access to any financial accounts is provided. The reason for the transition from banknotes to plastic cards is simple and obvious: access to money is becoming more reliable and more convenient for both sellers and consumers, compared to manipulating a large number of coins and banknotes. However, the use of ID cards results in a system that is vulnerable to theft and fraud.

Recently, attention has been shifted from the use of personal identification codes to the use of biometric data as the basis for authentication authentication, as well as providing access to computers. Since biometric data, such as fingerprints, fingerprints, voice recording, retinal images, handwriting samples, human height, etc., are unique to the user and cannot be reproduced by others, this reduces the risk of fraud.

A known system for conducting financial transactions (No. 2232418, G06K 9/00), which provides the ability to use one card with programmable memory instead of many ordinary credit cards, identification cards, cards that give the right to receive income, and other objects that include signs such as magnetic signs or bar codes. The device comprises a multi-function card and a portable terminal, the card containing programmable memory containing data corresponding to the access code, and the access code can be entered by the input device into the terminal. And the portable terminal contains a memory reader for reading invoice data from the card memory and an input device for selecting data from the card memory. In addition, the access code includes biometric data, and the input device includes a biometric data reader.

An example of a security system with ID cards based on user biometric data is disclosed in US Pat. No. 5,280,527. In this system, the user must have and provide an identification card made in the form of a credit card containing a chip in which the characteristics of the voice of an authorized user are recorded. To initiate the access procedure, the user must enter an identification card in the terminal, for example, an automatic cash register, and then pronounce words in the terminal to ensure comparison of the entered biometric data with the authentication information stored on the chip in the presented identification card.

The disadvantage of such systems is that they still remain complex and inconvenient for the user, since they require the presentation of an identification card to initiate an access request.

However, for the consumer, a system that greatly reduces or eliminates the need for storing numbers or complex codes and which eliminates the need for having, carrying ID cards, discount cards, is highly desirable.

The objective of the utility model is to create a system for financial transactions that is convenient for the user, namely, to ensure settlements between the seller and the buyer of goods without the use of identification cards and cash.

The technical result of solving this problem is

- creation of a computer access system using biometric data as the basis for authentication authentication;

- creation of a computer access system, which includes information about all the discounts of a given client for receiving goods or services at payment points between the seller and the buyer with feedback;

- reduction of customer settlement time at points of sale;

- ensuring the possibility of using the system by the family members of the client within the family budget;

- ensuring the safety of funds, based on the budget for the purchase of goods.

To solve this problem, a system is proposed for financial transactions based on the identification of at least one sample of biometric data and a personal identification code obtained at the data registration stage, which, ACCORDING TO THE USEFUL MODEL, contains a payment server connected to each other by means of communication systems, including software that allows you to store, process, receive and send received information, payment server terminals and the payment terminal of the sales node, which in turn is connected to the store’s trading system, receipt printer and biometric data scanner, and the payment system server is connected to at least one access point that is connected to the receipt printer and the biometric data scanner.

This system allows you to make payments between the seller and the buyer in a matter of seconds, without the use of credit, discount and other cards, as well as cash. For simplicity and speed of service in the system, it is enough to go through the intensification of the fingerprint on the fingerprint scanner in the distribution network where this system is installed. For the convenience of storing and using the amount monthly allocated for products and other expenses, it is credited to the user's individual account through the terminals in the system, and when making a purchase in trading networks, they use the user's biometric data.

The utility model is illustrated in the drawing.

The server of the payment system (SPS) 1 is connected to one or more access points in the form of personal computers (PCs) 2 of various types through computer networks or by means of communication means (CS) 3 of various types. One or more access points in the form of a PC 2 are connected to at least one receipt printer (IF) 4, one biometric data scanner (SBD) 5 and other equipment necessary for uninterrupted operation, for example, a payment terminal (PT) 6 for replenishment of personal accounts. The printer of checks (FC) 4 is presented either in the form of a cash register machine or in the form of a device for printing checks of various modifications. The biometric data scanner (SBD) 5 can be of different types and types: voice recognition, retina scanner, fingerprint scanner, etc. In our example, we use fingerprint scanner 5. Payment terminal server (SPT) 7 is installed in retail outlets, which exchanges data with the payment terminals of the sales node (PTUP) 8, processes and sends the received information to the Server of the payment system (SPS) 1, connected to them by means of communication means (CS) 3 of various types. The payment terminal of the sales node (PTUP) 8 is connected to the store’s trading system (TSM) 9, a receipt printer (IF) 4 and a biometric data scanner (SBD) 5.

In retail outlets with the least customer visits, it is possible to connect the payment terminal of the sales node (PTUP) 8 and the attached equipment of the store’s trading system (TSM) 9, receipt printer (IF) 4 and biometric data terminal (TBD) 5 to the Payment System Server (SPS) ) 1 without the participation of the Payment Terminal Server (SPT) 7.

The server of the payment system (ATP) 1 is located in the office and provides management of the database of personal accounts.

The payment system server (SPS) 1 is equipment with software in the form of such subsystems as accounting subsystems (PBU) 10, which provides accounting and has its own database (DB BU) 11, in which it stores all the information related with bookkeeping; subsystem "Client-Bank" (PCB) 12, which provides management of bank accounts and performs loading / unloading of traffic information on the settlement accounts of the organization; subsystem of replenishment of personal accounts (PPCS) 13, which provides replenishment of personal accounts of clients using payment terminals (PT) 6. The subsystem of account management (CCP) 14 provides management of personal accounts and customer data, performs registration of replenishment of customer accounts, carries out settlements with counterparties bank account management. (ПУС) 14 has its own database (DB US) 15, designed to store information on the settlement accounts of customers. In order to ensure reliability and ensure uninterrupted operation of the system, the databases are at least duplicated, switching in case of failure from one database to another both in automatic mode and manually. The account management subsystem (ПУС) 14 consists of a settlement account management module (MURS) 16, a module for managing personal accounts (MUMS) 17, a module for informing (SMS) (MI) (SM) 18 of a client about cash flow on their settlement accounts, a module Mutual Settlement Management (МУВ) 19, Personal Data Access Control (MUDPD) module 20, Payment systems interaction module (MVPS) 21, Balance and registration registration management module (MUBRP) 22.

In the Payment Terminal Server (SPT) 7, located in the cash zone, the software is installed, which includes the balance management and sales registration module (IUBRP) 22, the Personal Data Access Control (MUDPD) module 20. The Payment Terminal Server (SPT) 7 connected to a payment terminal of a sales node (PTUP) 8, which includes a module for interacting with a trading system (MVTS) 23, a module for interacting with a receipt printer (MVCH) 24.

The workplace of the Administration is equipped with at least one access point in the form of (PC) 2, consisting of a set of programs, such as a personal account management module (MUPS) 17, a personal data access control module (MUDP) 20, a printer interaction module checks (IHR) 24, payment registration module (MCI) 25.

The system works for financial transactions as follows.

1. For customer registration at points of sale, customer registration points are established. Registration is as follows:

a) The client provides the System Administrator with their passport data, a bank card number, which is a personal account, a mobile phone number, and records fingerprints on a biometric data scanner (SBD) 5. The biometric data scanner (SBD) 5 automatically transfers the received fingerprint template to (PC) 2, where with the help of programs such as the personal account management module (MUPS) 17, the personal data access control module (MUDPD) 20, this code is linked to the client’s personal account and mobile operator number.

b) The administrator enters the data in the window of the necessary information about the client, reflected on the computer, and prints out a service agreement. For convenience, family budgets have been developed, i.e., when registering, you can use the fingerprints of your spouse, children who have passed registration with reference to the current account and phone number of the direct holder of the bank card. You can also use the set limit program for members of the family budget. For example, for children, you can set both a daily and a monthly limit on the possible cost of money from the account of the direct user.

2. Top-up customer account. After registration, the client sends through the payment terminal (PT) 6, installed in the store, or a bank terminal the amount that I would like to use in the future. After registration, the client has the opportunity to replenish the balance of his current account with the administrator. The client transfers the necessary funds to the administrator, who in turn contributes this amount to the program (PC) 2, thereby replenishing the account of the registered client. After the system accepts this command from the receipt printer (FC) 4, the check for the deposited amount automatically passes out, which the administrator passes to the client. These operations on (PC) 2 are carried out by the following programs: interaction module with a receipt printer (MHCR) 24, payment registration module (MCI) 25.

3. Confirmation of purchase for the customer. After the customer selects the goods and enters the shopping list into the store’s trading system (TSM) 9, the customer confirms the purchase with a fingerprint on the biometric data scanner (SBD) 5 in the cash zone. When the customer recognizes the system and if there is the necessary amount in the current account to make purchases, the system confirms the transaction.

Customer identification is as follows. The fingerprint template received by the biometric data scanner (SBD) 5 through the payment terminal of the sales node (PTUP) 8 is transmitted to the server of payment terminals (SPT) 7 or to the server of the payment system (SPS) 1, bypassing the server of payment terminals (SPT) 7, if no more than two payment terminals of the sales node (PTUP) are installed at the outlet 8. The payment terminal server (SPT) 7, using the programs of the balance management and sales registration module (MUBRP) 22 and the personal data access control module (MUDP) 20, processes the data received from the payment terminal of the sales node (ПТУП) 8 and sends by means of communication means (КС) 3 to the server of the payment system (SPS) 1. The server of the payment system (SPS) 1 using the account management subsystem (CCP) 14, which consists of the settlement account management module (MURS) 16, module for managing personal accounts (MUPS) 17, module for managing mutual settlements (МУВ) 19, module for managing access to personal data (MUDP) 20, module for interacting with payment systems (MVPS) 21, module for managing the balance of sales registration (IUBR ) 22, providing manages personal accounts and customer data, performs registration of replenishment of customer accounts, carries out settlements with counterparties and manages bank accounts, processes the data by searching and comparing this template in a database (US database) 15. The information received is sent back to the payment terminal server ( SPT) 7, which, in turn, through the payment terminal of the sales node (PTUP) 8 sends it to the store’s trading system (TSM) 9. In case of a positive transaction (the client is identified, the amount on the settlement account at least the amount by which the customer wants to make a purchase) from the store’s trading system (TSM) 9 and from the printer of checks of the payment agent (PC) 4 system, two checks are issued in which there is a place for the client to sign. A cash receipt with a breakdown of the list of goods and services is attached to the check from the terminal and is given to the client. Simultaneously with this procedure, funds are debited for the amount of services rendered from the client’s account. And he receives a notification about the completed transaction with the location and amount, to his cell phone, whose number was previously registered in the payment agent system thanks to the information module (SMS) (MI (SMS)) 18 program in the payment system server (SPS) 1, to which the account balance has changed.

From the above it follows that the objectives and goals of the utility model are achieved:

- the system for financial transactions eliminates the need for the user to have and present, if necessary, an identification card in order to initiate a request for access to the system;

- the utility model provides an identification system that is practical, convenient and easy to use;

- the utility model provides verification of user identity based on one or more unique characteristics that are personally inherent only to the user.

Claims (1)

A system for carrying out financial transactions based on the identification of at least one biometric data sample and a personal identification code obtained at the data registration stage, characterized in that it contains a payment system server interconnected by communication means of various types, including software , allowing you to store, process, receive and send the received information, the payment terminal server and the payment terminal of the sales node, which in turn, it is connected to the store’s trading system, receipt printer, and biometric data scanner, and the payment system server is connected to at least one access point that is connected to the receipt printer and biometric data scanner.