RU115105U1 - CASH REGISTER FOR MOBILE PAYMENT SYSTEM - Google Patents

Abstract

A cash register for a mobile payment system containing digital data input means associated with a digital data recording means connected to the adder, a display displaying information about the value of the goods and the total purchase price, as well as means for generating a receipt file and a modem for communicating with a remote object, characterized in that it is equipped with means for generating short messages associated with the means for generating a check file, while the cash register is equipped with means of short-range radio communication for direct transmission of a short message containing the generated check to a mobile communication device located near the cash register.

Description

The utility model relates to the field of trade, namely, equipment for accounting payments, including non-cash, namely cash registers using telecommunications.

A cash register for a transaction payment system is known, comprising digital input means associated with a digital data recorder connected to an adder, a display displaying information on the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object ( RU 2158962). The cash register is made with the possibility of making a request regarding a cash card or check or other document to confirm the means of payment for use in paying for the transaction, the correct presentation of the means of payment for payment, and if the means of payment is a lost, stolen or unauthorized check, credit or debit card. Recording of the image or appearance of the bearer of the means of payment is also provided if the presented means of payment, such as a check, credit or debit card, are incorrectly presented for payment in the event that it is lost or stolen. Thus, the transaction increases the likelihood of detecting the use of invalid documents and the correct identification of the payer. However, all this overloads the design and structure of the cash register, and leads to the fact that working on it requires training a significant number of new skills. In addition, this cash register is not suitable for use in a mobile communication network.

There are simpler and more reliable means of identification, for example, by transmitting biometric data via mobile communication and their remote verification, which are used when making payments from a terminal equipped with short-range radio communications to interact with a mobile communications device, however, in this case, these funds are intended only for transmission personal identification data of the payer and the transfer to him of information on confirmation of his identity (US2004112950), including using biometric and Information (DE102007012813). In addition, in these systems only payment terminals can be used.

The problem solved by this utility model is to create a cash register to work in a payment system with personal identification and using mobile communications.

The technical result is to simplify the design of the cash register compared to the prototype with the ability to work on it, as on a conventional cash register, which does not require training in new skills

The technical result is achieved by the fact that the cash register for a mobile payment system containing digital input means associated with a digital data recorder connected to an adder, a display that displays information about the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object, it is equipped with a means for generating a short message containing the generated check, while the cash register contains short-range radio communications for direct th transmit a short message containing the generated check on located near the cash register of the mobile communication device.

Functions for taking biometric data, images, etc., leading to a complication of the design of the cash register, are transferred to adapted for this miniature devices in mobile communications. As a result, the design of the claimed cash register equipped with means for generating short messages and short-range radio communications is simpler than the design of the known cash register, which is actually a system with a camera, a monitor for reproducing camera video signals in real time and a VCR for recording camera video signals.

The figure shows the mobile payment system for which the inventive cash register has been developed.

A cash register for a mobile payment system comprises digital data input means associated with a digital data recorder connected to an adder. There is a display that displays information about the cost of the goods and the total purchase price, as well as a means of generating a check file and a modem for communication with a remote object. The apparatus is equipped with a means for generating a short message containing the generated check. Moreover, the cash register comprises short-range radio communication means for directly transmitting a short message containing the generated check to a mobile communication device located close to the cash register.

The system generates and transfers a CMC into which a check file is included - SMS check 1, a request for confirmation of payment 2 is transmitted, a balance change is recorded when paying 3.

The principle and scheme of the system will be considered on the example of a purchase at a grocery store. The Seller’s cash register is equipped with a direct transmission of an SMS check to the Buyer's cell phone.

The buyer with a set of products that he wants to buy is suitable for the seller.

The seller requests the mobile phone number of the Buyer or reads it using a special device.

The seller punches on the cash register a check with the names of the products, price, total amount, phone number of the Seller and the phone number of the Buyer (hereinafter SMS check).

The cash register is equipped with a direct transmission of an SMS check to a mobile phone or other device for the Buyer's mobile communication.

A CMC check punched by the seller directly hits the Buyer's mobile phone or other mobile device.

Buyer must confirm payment. To do this, he just needs to confirm his identity.

Confirmation of identity is as follows: A cell phone (or other means of mobile communication, such as a communicator, PDA, smartphone, etc.) of the Buyer must support the function of a biometric scanner of the iris of the eye and finger of a person’s hand.

The buyer brings the phone to the eye and / or puts a finger on the phone (the phone screen, the lens of the built-in camera or a separate built-in device can perform the scanner function).

The scanner takes a picture of the iris and / or finger and automatically inserts it into an SMS message confirming payment (for security, you can also add a confirmation code, which the Buyer himself must enter, but this will increase the duration of the operation, it is better to make it an additional option).

An SMS message containing an SMS check and payment confirmation is sent from the Buyer's phone.

The mobile operator by the Buyer's phone number checks the balance for the adequacy of funds for the operation and compares the received image of the iris of the Buyer with the existing image in the database (database) of the Mobile operator. The picture is entered into the database upon conclusion of a service agreement between the mobile operator and the Buyer.

If there is a shortage of funds in the Buyer's account and / or the Buyer's picture does not coincide with the existing picture in the database (DB), an SMS message about the impossibility of the operation is sent to the Seller on his cell phone.

If there is sufficient funds in the Buyer's account and if the picture coincides, the Mobile Operator deducts funds from the account assigned to the Buyer's mobile number and credits funds to the account assigned to the Seller's mobile number.

The seller receives an SMS message about the crediting of the amount to his cell phone or other mobile device, the Buyer receives an SMS message about the debiting of the amount to his cell phone or other mobile device.

The transaction is completed. The seller receives his money, the buyer receives his goods. This scheme will simplify and speed up the implementation of financial transactions using a cell phone.

This scheme will expand the use of cell phones. It can be adapted to almost all types of financial transactions.

The scheme will allow involving in financial transactions using a cell phone, people of any age and with any level of technical knowledge, as well as business entities.

Claims (1)

A cash register for a mobile payment system, comprising digital data input means associated with a digital data recorder connected to an adder, a display displaying information on the value of the goods and the total purchase price, as well as a means for generating a check file and a modem for communicating with the remote object, characterized in that it is equipped with means for generating short messages associated with means for generating a check file, while the cash register is equipped with short-range radio communications for direct th transmit a short message containing the generated check on located near the cash register of the mobile communication device.