RU18207U1 - PURCHASE AND SALES MANAGEMENT SYSTEM ON OPEN INTERNET NETWORKS - Google Patents

Description

The utility model relates to electronic money systems and can be used in financial systems of non-cash electronic payments on the Internet.

Currently, the Internet has a huge number of virtual stores with all kinds of offers for sale. This allows the consumer to quickly select the necessary goods. However, in non-cash electronic payments, there is a problem of ensuring the reliability of the movement of money between customers of the system.

A known system for managing transactions under the patent of the Russian Federation No. 2146836, IPC: G06F, 17/60; G06K, 19/07; G07F, 7/10. The system performs settlements between the three main participants: the bank and the store and the buyer registered in it. The system comprises control devices of a bank, a buyer and a store, as well as an intersystem communication unit. Each device consists of standard blocks: an input-output block, a memory block, a control and processing unit, request and response units. In addition, to ensure the reliability of payment of bills, the devices are equipped with blocks for the formation of electronic signatures of participants in transactions.

Using this system, the transaction payment process is as follows.

 The buyer through the Internet connects to the server of the Store, forms a basket of goods and sends the Store an invoice request.

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In p, the Store, in response to a request from the Buyer, sends him an account signed with his electronic digital signature (EDS), which indicates: - the name of the product (service), - the cost of the product (service), store code, time and date of the transaction. The buyer signs with his digital signature the invoice presented to him and sends it back to the store, thereby making an acceptance. The contract is considered concluded from the moment the Buyer signs the invoice issued to him. In the system, an account signed by the Buyer becomes a check. A check signed by two EDS (the Store and the Buyer) is sent by the Store to the Bank for authorization. The Bank processes the check: -checks the availability of the Store and the Buyer in the system, -checks the EDS of the Buyer and the Store, -checks the balance and limits of the funds on the Buyer's account, -copy the check in the Bank database. As a result of the checks, permission or initiation of the payment is formed. When authorizing the payment: - the Bank transfers the funds from the Buyer's account to the Store’s account, -Bank transfers to the Store permission to provide the service (goods release), -The store provides the service (releases the goods). In case of a payment ban: -Bank gives the store a refusal to make a payment, -The buyer receives a refusal with a description of the reason. Therefore, users of this system must

open an account with one of the authorized banks of the system and receive an electronic digital signature. Such requirements significantly limit the circle of shoppers. In addition, such a system does not provide reliable protection for the Buyer's account from unauthorized persons, which also reduces the number of users of the system.

The objective of the proposed solution is to increase the efficiency of the system by expanding the number of participants in transactions for sale on the open Internet.

To solve the problem in the purchase and sale management system on open Internet networks, which contains a customer control device (1), a bank control device (2), a store control device (3) and an intersystem communication unit (4), a customer control device (1) contains a block (5) inputting and transmitting credit card data and a unit (6) for generating an order for a store, a control device (2) of the bank comprises an input / output unit (7), an encoder (8), a unit (9) for generating a response to the buyer, a unit ( 10) the decoder and the block (11) forming the answer of the magician Zin, the control device (3) of the store contains an input / output unit (12), a bank request generation unit (13) and a request response unit (14), while the output of the unit (5) is connected to the intersystem communication unit (4) input and transmission of credit card data, input of the bank I / O block (7), the output of the block (9) forming a response to the customer, input and output of the block (6) forming the order for the store, input of the store I / O block (12), exit block (13) for generating a request to the bank, input of block (10) of the bank decoder, output of block (11) for generating a response to the store and input block (14) for receiving a bank response to a store request, in addition, the output of the bank I / O block (7) is connected to the input of the encoder block (8), the output of which is connected to the customer response forming unit (9), the output of the bank block (10) is connected with the input of the block (11) forming the response of the bank to the store, and the output of the block (12) of the store I / O connected to the input of the block (13) for generating a request to the bank.

the buyer of a single digital return, which serves as the identifier of a single sale and purchase transaction between the store and the buyer.

The introduction of a buyer's credit card encryption block allows to remove the restriction for buyers, which consists in the mandatory presence of an electronic digital signature. This expands the circle of customers and, consequently, the effectiveness of the system.

The proposed hardware solution of the system, a set of blocks and their connections provides transaction management via digital tokens, i.e., settlement with any credit cards, which also ensures the expansion of the circle of customers of the system.

The proposed calculation system is illustrated by the block diagram shown in FIG. 1.

The purchase and sale management system in open Internet networks comprises a customer control device 1, a bank control device 2, a store control device 3, and an intersystem communication unit 4.

The control device of the buyer 1 contains a block 5 for inputting and transmitting data about the credit card of the buyer and block 6 of the formation of the order for the store. Both blocks - 5 and 6 are connected to the Internet through block 4.

The control device of the bank 2 contains an input-output block 7, a customer card information encryption unit 8, a customer response generation unit 9, a decryptor unit 10 that identifies a customer card and a store response unit 11. In this case, the input of block 7 is connected to the intersystem communication block 4, the output of block 7 is connected to the input of block 8, its output is connected to the input of block 9, from the output of block 9, the signal enters the Internet via block 4. The input of block 10 is also connected to block 4 and the output of block 11, the input of which is connected to the output of block 10.

The store control device 3 comprises an input / output unit 12, a request generation unit 13 to the bank, and a request response unit 14. In this case, the input of blocks 12 and 14, as well as the output of block 13, the input of which is connected to the output of block 12, is connected to block 4 of the intersystem communication.

Through the Internet, the signal from the output of block 5 goes to the input of block 7, from the output of block 9 to input 6, from the output of the latter to the input of block 12, from the output of block 13 to the input of block 10, and from the output of block 11 to the input of block 14.

The proposed system works as follows. The buyer from the output of block 6 via the Internet (block 4) connects to the store’s server (store I / O block 12) and generates an order for the store. Then, through block 5, it transmits information about its credit card through block 4 of intersystem communication to the input of block 7 of the bank. From the output of block 7, the signal goes to the input of block 8, where the encryption operation is performed. This block is new relative to well-known systems of similar purpose. Block 8 forms a one-time digital-chip from the parameters of the client’s credit card. Essentially, a one-time identification of the card occurs by encrypting according to a given algorithm information about the card: number, place of registration, expiration date, etc. Ciprozheton allows the customer to pay the store ordered goods (services), i.e. is the identifier for a transaction in a transaction over the Internet. The signal about the formed digital retrograde is then transmitted to the input of block 9 - the block for forming a response to the client, and from the output of block 9 via the Internet (block 4) - to block 6 of the customer’s device.

The buyer (bank client) sends the data about the digital return to the store at the input of block 12 (input / output) also through block 4. Thus, the client confirms his intention about the transaction.

The store after receiving the digital block generates in block 13 a request to the bank for authorization of the order, which through block 4 goes to the input of block 10 of the bank.

The bank decrypts the order by checking the liquidity of the customer’s credit card. According to the results of the check in block 11, a response to the store is generated. The response from the bank block 11 through the intersystem communication block 4 goes to the store at the input of block 14. If the client’s solvency is positive, the store sends the goods (service) to the buyer, and the bank transfers money to the store’s account from the buyer's account.

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The digital security ensures the completion of only one transaction. In repeated purchase and sale operations, a new operation is carried out to form a new digital retrograde.

Such organization of cloaks allows you to maintain the confidentiality of information about the credit card of the buyer.

The proposed system does not require the parties to the transaction to have an electronic digital signature, which expands the circle of customers of a virtual store. In addition, all customers who have credit cards can use the services of the system.

Thus, the system provides transaction management between three participants - a bank, a store and a buyer through open Internet channels with real-time transfer speed to the Internet.

The hardware blocks of the system can be implemented on standard blocks of personal computers, interface blocks of a PC and the Internet.

Claims (2)

1. A purchase and sale management system on open Internet networks, comprising a customer control device (1), a bank control device (2), a store control device (3) and an intersystem communication unit (4), characterized in that the customer control device (1 ) contains a block (5) for inputting and transmitting credit card data and a block (6) for generating an order for the store, a control device (2) for the bank contains an input / output block (7), an encoder (8), a block (9) for generating a response to the buyer , the decoder unit (10) and the store response unit (11), device The store control (3) contains an input-output block (12), a bank request generation block (13) and a request response block (14), while the output of the input block (5) is connected to the intersystem block (4) and credit card data transmission, input of a bank I / O block (7), output of a block (9) for forming a response to a customer, input and output of an order block (6) for a store, input of a store I / O block (12), block output ( 13) forming a request to the bank, the input of the bank decoder block (10), the output of the block (11) generating a response to the store and the input of the block (14) p the response of the bank to the store’s request, in addition, the output of the bank I / O block (7) is connected to the input of the encoder block (8), the output of which is connected to the customer response block (9), the output of the bank block (10) is connected to the block input (11) generating a bank response to the store, and the output of the block (12 store I / O is connected to the input of the block (13) for generating a request to the bank. 2. The system according to claim 1, characterized in that the bank encryption unit (8) is configured to generate, according to the credit card parameters of the buyer, a one-time digital counter, which serves as the identifier of a one-time purchase-sale transaction between the store and the buyer.