RU2215322C1 - Method for no-cash trading using communication lines - Google Patents

Abstract

FIELD: trading using financial systems of no-cash electronic payments for sales transactions through internet. SUBSTANCE: for buying electronic commodities cash voucher converted into bar- code is entered. In selling commonly used commodities mentioned converted electronic cash voucher is conveyed to client and stored in his or her computer. Electronic cash voucher has entire information about transaction including seller s electronic signature and information about commodities thereby enabling solution of conflicts between seller and client. EFFECT: enhanced reliability and efficiency of transaction system. 2 cl

Description

 The invention relates to electronic money systems and can be used in financial systems of non-cash electronic payments for transactions of sale, for example, 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, the terms of payment and receipt of goods significantly complicate and extend the process of sale.

 Existing financial systems of non-cash electronic payments provide a high speed of service through the use of electronic communications and high reliability through the use of the achievements of cryptographic science and appropriate special tools.

 Known electronic monetary system containing a money generator, cash registers, transmission units (US patent 5455407, publ. 02.15.97). The known system solves the problem of quick analysis of consumer requests and the issuance of money.

 Known electronic monetary system containing the system of issuing banks, correspondent banks, settlement bank, certification authority. The issuing bank system comprises a money generator, a cash module, an operating module, a cash register receipt with digital signatures of a money generator and a digital signature of a transfer module (US Pat. No. 5,453,601, published January 12, 1997). A well-known system solves the problem of reliable movement of money between customers of the system.

 A well-known purchase and sale management system in virtual stores, comprising a customer device, a store control device, a bank control device (patent EP 0798657, class G 06 F 17/60, publ. 01.10.97 g). This system addresses the issues of information security during the exchange between various parties to the transaction using special coded cards. This system is selected as a prototype.

 The present invention is the development of transaction management tools for cashless payments with high reliability, allowing them to be implemented in real time.

 The technical result consists in increasing the reliability and efficiency of the transaction (trade) system.

 To this end, in the first embodiment, the method includes placing in the seller’s computer device connected to the communication network a list of goods offered by the seller, the buyer viewing the list using a computer device connected to the seller’s computer device through the specified communication network, and forming an order including goods from the specified the list by the buyer and transferring it using a computer device through telecommunication means of a communication network to a computer the seller’s construction, the seller’s invoice for the payment of the order indicating the details of the invoice for payment, the amount of payment, the terms of the transaction and the conditions for the delivery of the goods, the transfer of the specified invoice using the seller’s computer device through the telecommunications network of the buyer’s network, payment by the buyer of the order and receipt of payment confirmation seller of an electronic cash receipt containing a block of data representing the terms of the transaction, including at least the conditions for the delivery of goods and the amount of payment for the order, information about the seller and the buyer, the number and date of the transaction, a list of codes, brief descriptions and prices of the goods ordered, an electronic digital signature of the seller, formed in the seller’s private key from the data in the above data block, the seller’s certificate, which is a public key the seller, converting the electronic cashier's check into a barcode and transferring the converted electronic cashier's check or via telecommunications network communications to the buyer with the subsequent provision to the buyer akazannyh goods or transfer the converted electronic receipt at the same time providing the buyer ordered goods, as well as the use of an electronic receipt in case of dispute between the seller and the buyer as a guarantor of the correctness of the transaction.

 In the second version, where electronic goods are traded, after converting an electronic cash receipt into a bar code, it is introduced into each of electronic goods with the subsequent use of an electronic cash receipt in case of disputes between the seller and the buyer as a guarantor of the correctness of the transaction.

We explain the features of the proposed methods:
When buying goods over a communication network between the seller and the buyer, disputes may arise related to the quality of goods, delivery conditions, etc. To resolve disputes, you must have a cash receipt, which reflects all the conditions of the transaction: delivery conditions, payment amount, information about the seller and buyer, transaction number and date, a list of product codes, their prices and short descriptions.

 In order to give legal cash value to this cashier's check, it must also contain the electronic digital signature of the seller, formed in the seller’s private key, and the seller’s certificate, which is a public key.

 For convenience and reliability, the electronic cashier's check is converted into a barcode.

 When selling electronic goods that allow you to enter information, such as computers, a converted electronic cashier's check is entered into each of these goods sent to the buyer.

 When selling goods into which an electronic cash receipt cannot be entered, it is transmitted through the communication network to the buyer and stored in his computer device.

 These trading methods make it easy to resolve conflicts between seller and buyer.

Claims (2)

 1. A method of trading for non-cash payments using a communication network, including placing on a seller’s computer device connected to this communication network a list of goods offered by the seller, the buyer viewing the list using a computer device connected to the seller’s computer device through the specified communication network, order, including goods from the specified list, by the buyer and transferring it using a computer device via telecommunication the means of communication of the network to the seller’s computer device, the seller invoices the payment of the order indicating the details of the invoice for payment, the amount of payment, the terms of the transaction and the delivery conditions, the transfer of the specified account using the seller’s computer device via telecommunications network equipment to the buyer, payment by the buyer of the order and upon receipt of payment confirmation, the formation by the seller of an electronic cash receipt containing a data block representing the terms of the transaction, including At least the conditions for the delivery of goods and the amount of payment for the order, information about the seller and the buyer, transaction number and date, a list of codes, brief descriptions and prices of the goods ordered, the seller’s digital signature generated in the seller’s private key from the data in the above data block, seller’s certificate, which is the seller’s public key, the conversion of the electronic cash receipt into a bar code and the transfer of the converted electronic cash receipt or via telecommunications network communications to the buyer conductive providing a buyer ordered goods or transfer the converted electronic receipt at the same time giving the customer the ordered goods, the use of an electronic receipt in case of dispute between the seller and the buyer as a guarantor of the correctness of the transaction.  2. A method of trading for cashless payments using a communication network, which includes placing on a seller’s computer device connected to this communication network a list of electronic goods offered by the seller, the buyer viewing the list using a computer device connected to the seller’s computer device through the specified communication network, the formation of the order, including electronic goods from the specified list, by the buyer and the transfer of the order using a computer device communication through the telecommunications network to the seller’s computer device, the seller invoices the payment of the order indicating the details of the invoice for payment, the amount of payment, the terms of the transaction and the delivery conditions, the transfer of the specified account using the seller’s computer device through the telecommunications network to the buyer, payment by the buyer an order, upon receipt of payment confirmation, the formation by the seller of an electronic cash receipt containing a data block representing the terms and conditions Transaction, including at least the terms of delivery and the amount of payment for the order, information about the seller and the buyer, the number and date of the transaction, a list of codes, brief descriptions and prices of goods ordered, an electronic digital signature of the seller, generated in the seller’s private key from the data in the above data block , a seller’s certificate, which is the seller’s public key, converting an electronic cash receipt into a bar code and introducing a converted electronic cash receipt into each of the electronic goods, providing a purchase Tieliu ordered electronic goods, the use of an electronic receipt in case of dispute between the seller and the buyer as a guarantor of the correctness of the transaction.