RU2246757C1 - Method for performing cashless financial operations and system for its realization - Google Patents

Abstract

FIELD: cashless payment technologies.

SUBSTANCE: in method client opens a pay account, picks needed products and/or services, in seller block an order is formed. When client confirms payment, selected products and/or services are reserved and information about order is sent to processing center, where order is registered, assigned an identifier including order information and transferred to seller block. Client connects via cell phone to processing center, where phone is identified. Then client inputs his PIN-code in current system for personalization, after positive result client transmits order identifier. After receiving the latter, during given time, processing center identifies order identifier, checks paying capacity of client, transfers necessary sum to pay account of trading organization.

EFFECT: higher reliability.

2 cl, 2 ex

Description

The invention relates to the field of computer technology, in particular, to its use for conducting payment transactions in financial systems of non-cash payments, specifically to methods and systems of non-cash payments using the transmission of information using wireless communications, and can be used to sell goods, provide services, in particular, on the Internet, as well as for receiving cash at ATMs.

Known methods and devices (systems) for providing non-cash financial transactions mainly use various types of cards (cards) and contain card reader nodes or use biometric customer data for user identification, which requires devices for receiving and processing this data, which significantly increases the cost and the complexity of the implementation of such systems, and also does not provide reliable protection of transmitted confidential information. Information on the financial transaction being carried out can be performed using both fixed-line wired communication devices and wireless communication devices.

A known method of paying for services from the terminal equipment of a mobile telephone exchange [1], which is associated with a telephone payment card that allows the user to send calls. The method provides for communication with a mobile telephone exchange, through which access to the services of a service provider is provided, based on the user data contained in the SIM card, the equipment is backed up and the identification number of the card is entered into the terminal by placing this card in the reader of the GSM terminal equipment, connect the GSM network terminal to the GSM network after confirming the entered identification number, select the sender of the transaction - the service provider, issue the amounts to pay, confirm it, accept payment, credit him with an identification number issued by the transaction to the customer, record the transaction in the seller terminal and in the paid system, taxing the communication by phone and interrupt the communication. Also for the personification of the user can be used the A-number of the user. As a terminal for banking services using telephone communications, a standard GSM telephone (seller’s terminal telephone) can be used, and when using a data bank, a microcomputer and a banking service program associated with a GSM telephone can be used.

This method increases the security against illegal and criminal use of telecommunication services, solves the issue of taxing the costs of telecommunications operations in the card system, and provides on-line payment transactions.

Disadvantages: the use of a GSM service card (SIM card containing a SIM device), which requires powerful cryptographic programs to encrypt a credit card number, PIN card, as well as insufficient protection against unauthorized use, because first, user identification is made, and the choice of service and payment - after a while, which may be sufficient to “crack” the system, in addition, only local, one-time user identification is carried out using the SIM card PIN code, and entered for personification A - The number is permanent and may become known to third parties.

An analogous method is carried out in a payment system [1], which contains a network for communication through a switching node and a service control node in accordance with the services provided to the subscriber, monitoring and control means for accessing the services of the service provider, terminal equipment of the mobile telephone exchange, subscriber identification unit having the ability to communicate with the terminal equipment, containing the identification data of the subscriber and data providing secrecy of the radio transmission read in the terminal equipment for use by mobile stations working with cards, the base station to which the mobile stations are connected, the base station controller for controlling one or more base stations through which communication with the mobile telephone exchange is carried out for communication between telephone networks and the mobile telephone exchange.

This system allows to a certain extent to ensure the requirements of effective data protection in banking and applied payment systems due to the fact that communication is carried out by connecting a mobile telephone exchange to a dedicated network, which prevents the illegal use of services.

The disadvantages of this system: the need for sophisticated special equipment to use GSM cards, the presence of an additional communication channel between the seller and the bank, and the use of a single channel for serial communication with the supplier of the channel, which is dedicated, which leads to the cost of such a system, in addition to the use of cards not a reliable option for protection against unauthorized use.

The known method [2], taken as a prototype, in which a client with a personal wireless device — client terminal — TC (for example, a cell phone) enters into an agreement with a banking or credit institution (BKU) to open an account for servicing payment transactions in this a payment system, which also includes a processing center (PR), trade and service institutions (having TP vendor terminals) and a wireless operator. These participants in the cashless payments system must also have a contractual relationship. When contacting a trade or service institution, a client participating in the system selects the desired product or service and informs the seller, who forms a request to the processing center at TP: data on the purchased product (service), cost, quantity, etc. The client communicates with the processing center using a personal wireless device, in this case, the identification number of the client’s personal wireless device is determined in the identification unit, its membership in the client served by this identification unit is checked, and then the connected additional unit transmits the unique identifier of the client’s communication device to processing center, where it is determined whether the used wireless device is a payment participant s operations in the system of contractual relations. If the verification result is negative, the connection is broken, when the registration of the client as a participant in the system is confirmed, an invitation signal to enter the PIN code is transmitted, after which the client dials the PIN code issued to him when registering as a participant in this payment system on the seller’s PIN keyboard or, preferably, on the keyboard of your personal communication device. After receiving confirmation of the passage of the PIN code from the processing center, the client places the included wireless personal device on the seller’s terminal for contact (sound or electric) and further transfer of data about the payment transaction. When the seller starts the data transfer program by the central processor, data on the product, payment amount, and the seller’s terminal identification number entered earlier by the seller are transferred to the processing center. The processing center processes the received information with the help of a cash register, which has a customer’s current account, pays for the goods and / or services, and transmits the result of the operation performed through the communication channel between it and the TP (input-output device), which is displayed on output reporting device TP and is fixed on the medium, for example, printed on a printer. The seller gives the customer a check and paid goods (provides a service).

The method allows to increase the security of non-cash payments through the use of a dedicated communication channel, as well as reduce the cost of payment transactions, because existing lines and wireless operators, wireless devices, as well as input / output devices at points of sale of goods (services) are used, and the required changes relate to the introduction of well-known and not very complex software tools.

The disadvantages of the prototype method: the attachment of the transfer of information about the order (selected product or service, payment amount, identification number of the seller’s terminal, etc.) to the communication channel of the client (buyer), which can be quite an expensive operation for the client due to the long use of the dedicated channel , as well as insufficient exclusion of the possibility of illegal use of electronic services due to only their two-level security.

To implement the prototype method, a system was created for conducting cashless financial transactions [2].

The system solves the problem of reducing the cost of equipment for conducting non-cash financial transactions and increasing the reliability of protection of transmitted information from unauthorized use.

A system for conducting non-cash financial transactions includes at least one information input / output device comprising at least a keyboard for entering data about the operation being performed, a keyboard for entering a PIN code, an output reporting device confirming and recording the operations performed, and a first modem connected to a central processor having a program for storing the identity of the seller, processing the data of the operation being performed, generating a request to the processing center, and providing a activation of the first modem, the connection node of the first modem with a wireless communication device configured to connect to a common wireless communication network for the used wireless communication devices, with an identification block of used wireless communication devices included therein, for transmitting a signal to a network of banking and credit institutions through sequentially located and interconnected by a second modem and a processing center that processes each incoming request, forming a response for the input-output device as well as providing management of a network of banking and credit institutions, the aforementioned wireless communication device being a personal wireless client device having an individual identifier, the connection node of the first modem and the wireless communication device is configured to connect to the client’s personal wireless device, and the personal identification block used wireless devices connected to an additional unit that provides the definition received call signal processing center and transmitting the identification code of the personal wireless device of the client to the processing center connected to the second modem.

The information input-output node may consist of a computer and a client’s personal mobile cell phone, the computer being connected via the Internet to a seller of goods and services, with appropriate software for transmitting the seller’s identification data, data about the operation through the Internet to a computer, and playback them in the form of modulated sound radiation. This provides a customer-friendly, fast and reliable ability to make payments via the Internet.

The system for cashless payments provides increased security of the transmitted information about the payment and reduces the cost of the equipment used to make payments due to the lack of the need to use expensive means of reading cards, as well as the cards themselves, transferring the identifier functions from the information input-output device to the identification unit, in the form an existing identification block of a client’s personal wireless device (for example, a member of a cellular operator, when communicating using a mobile cell phone) and using a separate communication channel for each client, using a reliable mobile operator security system for data transmission, the complexity of reading information for unauthorized use both when entering information and when transmitting it increases dramatically. The use of personal wireless means of customers (for example, mobile cell phones) is convenient and beneficial for customers, sellers of goods and services, and organizers of the entire network of cashless payments, as does not require large financial costs, provides speed and high reliability of financial transactions.

The equipment of points of sale of goods and services is significantly cheaper, because terminals for input / output of information have simpler (and cheaper) nodes. Re-equipment of the terminals available at these points or equipment of new ones is simple and inexpensive, does not require special special training of personnel or the creation of complex new devices. The speed of operations also increases as a result of the customer identification procedure by a cellular operator with an additional unit connected to the identification unit. Using, for example, a mobile cell phone as a client’s personal wireless device, it is possible to use the existing cellular network infrastructure, which significantly reduces the cost of equipment and expands the range of users of the system.

Disadvantages of the prototype system: additional re-equipment of the seller’s terminals is nevertheless required, unauthorized use of the system is possible due to invariable codes of both the client’s wireless communication device and the client itself (identification and personification).

The proposed method of conducting non-cash financial transactions and the system for its implementation solve the problem of increasing the reliability of protection of the transmitted information from unauthorized use and reducing the cost of payment transactions.

The tasks are solved by the method of conducting non-cash financial transactions, according to which, in the established on the basis of contractual relations between at least one trade and / or service institution, having at least one seller unit, to which the seller terminal is connected by at least one banking and credit institution and customers with mobile cell phones, a system for conducting non-cash financial transactions to pay for goods and / or services purchased by a client, provided by a trade and / or service institution, clients nt opens at least one current account in a banking institution, selects the goods and / or services that are needed from the seller’s terminal, after which an order is generated in the seller’s block containing information about these goods and / or services and their cost, this information is displayed at the seller’s terminal with a proposal to make payment using the client’s mobile cell phone and, after the client confirms the decision on such payment at the seller’s terminal, the seller’s block reserves the selected goods and / or services and with the help of the branded communication channel transmits information about the order to the processing center participating in this payment system, where the order is registered, the formation and assignment of an individual order identifier to it, its inclusion in the order information and its transfer to the seller’s block, which displays it on the seller’s terminal for informing the client, after which the client connects his mobile cell phone with the help of a mobile operator of a serving telecommunications network with a processing center, producing identification of the client’s mobile cell phone and, if it is positive, the client is asked to enter the PIN code assigned to him as a participant in the contractual relationship in this system for his personification, after the positive result of which, received by the client on the mobile cell phone, the client immediately transmits using of a mobile cell phone, an individual order identifier displayed on the seller’s terminal, if not received for a period of time sufficient for the above ith, starting from displaying an individual order identifier on the seller’s terminal, operations, the processing center disconnects from the client and transmits information about the termination of the financial transaction to the seller’s block, and upon timely receipt of an individual order identifier, the processing center transmits the receipt on the client’s mobile phone and compares the individual order identifier generated by him with the individual order identifier received from mobile customer’s cell phone, in case of a positive result, the processing center checks the possibility of paying for the order from the client’s bank account in a banking and credit institution and, if it’s positive, the bank and credit institution transfers the necessary amount to the bank account of a trade and / or service institution and informs the processing center, which transmits the information to the seller’s block with the corresponding seller’s terminal, after which fiscal documents about payment transaction and vacation paid goods and / or services.

The tasks are also solved by the fact that the system for conducting non-cash financial transactions, created on the basis of contractual relations between at least one banking and credit institution, at least one trading and / or service institution and customers, contains at least one seller block in the form of software - a hardware complex, configured to place an order and reserve the goods and / or services provided by the trade and / or service institution, to provide communication with the trade and / or service institution and at least A transaction with one processing center, made in the form of a hardware-software complex with the ability to generate an individual identifier for each order of goods and / or services, manage customer settlement accounts in a banking and credit institution, receive and process information from a seller’s unit, at least one connected to the unit the seller’s terminal of the seller, having at least a means for entering information about the transaction and transmitting it to the seller’s block and means for receiving from the seller’s block and is displayed The information on the progress of the operation also contains at least one client terminal in the form of a personal mobile cell phone operated by the respective telecommunications network operator, at least one identification unit configured to perform the identification of the client terminal and connected to the cellular operator and a processing center, while the client terminal has the ability to connect using a mobile operator of a telecommunications network with a processing center a center that can connect to the seller’s unit using the selected communication channel.

The proposed method includes new operations: the formation in the processing center (PR) of a unique individual order identifier (IIP) that belongs only to this order, its transfer from the PR to the seller’s block (BP) and to its terminal (TP) via any channel selected by the participants of the payment system communication, including through an open channel, and with TP - to a client who, having recognized the IIP from TP and confirming his belonging to the participants of this payment system, through another, dedicated communication channel, using a personal mobile cell phone transfers the IIH through this private communication channel to the PR, where the formed IIA is compared with that received from the client and payment is made for the order based on the results of the said comparison.

The formation of IIH, the availability of information about it only directly in the process of conducting this financial transaction, the transfer of non-confidential information using open - accessible and inexpensive - channels, and confidential information about the financial transaction - through a dedicated private communication channel, and in a limited time, allows you to increase security of financial transactions and at the same time reduce the cost of their conduct.

The system for conducting non-cash financial transactions is based on the introduction of - to increase the reliability and security of the financial transaction (and reduce the cost of the system) - in addition to identifying the client’s mobile cell phone (client terminal TC) and personifying the client himself, funds located in the processing center (PR) , for the formation of an additional special identifier of the payment transaction in the form of an individual identifier for each order (IIP), which becomes known only in the process itself payment transaction, as well as on the separation of communication channels so that one of them, namely PR communication channels with the seller’s block (BP) and the banking and credit institution (BKU), can be any, including widely used open low-cost channels, and the communication channel of the shopping center with the PR is a dedicated private channel. The absence in the seller’s terminal (BP) of the seller’s terminal (TP) of special devices for making payment transactions (as in the prototype, for example, a node for connecting a client’s wireless device to the first modem for communication with a processing center) also makes it possible to reduce the cost of equipment for conducting financial transactions.

The proposed system is depicted in the form of a block diagram in the drawing, where

1 - block seller (BP);

2 - seller’s terminal (TP);

3 - processing center (PR);

4 - banking and credit institution (BKU);

5 - client terminal (TC);

6 - cellular operator (WITH);

7 - identification block (BI).

BP 1 is associated with TP 2 (or with multiple TP) using communication channels that can be selected by the trade and / or service institution (if these are its internal channels), and can also be selected by agreement between the participants of this payment system. BP 1 and PR 3 are interconnected using a payment system selected by the participants under a communication channel agreement. PR 3 is connected with BKU 4 using any communication channel, although for reliability this can be a dedicated channel. The processing center can be an independent participant in the payment system and enter into contractual relations, and then the communication channel between it and the BKU is determined on the basis of the contract, or it can belong to the BKU (which happens more often), and then the communication channel will be the internal channel of the BKU. TC 5 is connected to PR 3 using a dedicated line provided by the CO 6 telecommunications network associated with BI 7.

The client's terminal (TC) - a mobile cell phone - is an identification tool and belongs to the client participating in a cashless financial transaction (to the buyer). It can be a mobile phone of any standard, for example, the GSM standard, such as Nokia 3310. In this case, the client identification functions are performed by the cellular operator (СО) serving the telecommunications network client using his own internal means when dialing the connection number with the processing center (PR). The identification unit (BI), which can be located in the CO unit or in the PR, is a software and hardware complex that performs the functions of automatically determining the number and / or determining the identifier of the device — the client’s mobile cell phone. Being a part of the JI, BI forms an external, different from the JI used, identification code of the client’s cell phone used and transmits it to the PR to start the financial transaction. Moreover, this JI must be a party to the contractual relationship in this payment system, as the identification of the customers participating in the terminal system in this case is a function of the JI. Being part of the PR, the BI determines the number and / or identifier of the dialed TC, and the PR uses this number for further financial transactions. In this case, client terminals serviced by various SOs (for example, MTS, FORA, etc.) can be involved. The creation of a private communication line, unique to the used cell phone, using a shopping center and a mobile operator (common for the used wireless communication devices), allows the personalization of the client to be assigned to the shopping center by providing a PIN code on the keyboard of the shopping center after connecting to the processing center. The seller’s block (BP) is, for example, a local network server of a large store with an installed operating system, database and server software, and can be located in the store, in any organization (trade and / or service institution) that provides trade and / or services having, for example, warehouses of products, etc. The seller’s terminal with information input and display tools (such as, for example, a computer with installed standard software, with a monitor, printer) can be located in the seller’s block, either separately at the point of sale, or in the organization providing services, in the case of Internet store - in the computer used by the client for the payment transaction with the software package displayed by this computer, with a monitor and printer, in the case of an ATM, in the ATM case. The seller’s terminal must ensure that the seller (or the client) introduces the type and amount of the transaction and saves them until they are transferred to the BP and then to the processing center, receives and processes the response from the BP, displays the IIR and information about the accepted order, displays the results of the transaction and records , for example, on a hard copy of these results (for example, checks printed by a printer). The processing center can be made in the form of specialized software installed on a server connected to the local network of a banking and credit institution, which allows you to remotely manage a client’s current account. It is usually located outside of retail outlets. The communication lines selected by the participants of the payment system (UTU and BKU) that provide communication between the seller’s block and the seller’s terminal, between the seller’s block and the processing center can be in the form of any open lines, for example, ordinary public telephone lines, between the processing center and BKU - most often, for security - in the form of a dedicated channel (which is not necessary), between the client terminal of the shopping center and the processing center - in the form of a dedicated channel of a mobile operator serving the shopping center.

The proposed method is carried out using the proposed system as follows.

A client (user, buyer) who has opened a current account in BKU 4 and registered in this payment system with a personal PIN code selects a product (service), the list of which is displayed on TP 2 or otherwise at the point of sale of goods and / or services, and on TP 2, the seller or the client himself (depending on the type of TP and the terms of the payment and trading operation) enters information on the product, its cost, form of payment in the form of payment using the client’s mobile cell phone (client terminal) using the means for entering information and TC 5) and, if necessary, the details of the seller (for example, TP identification number). This information is displayed on TP 2 and through the selected (by an institution of trade and / or services or, by agreement, participants of the payment system) communication channel is transferred from TP 2 to BP 1 where they register the order, reserve the selected product and also transmit information through the selected communication channel about the order in PR 3. PR 3, after receiving the information, forms the IIM of the order and sends it along with the order information to BP 1, which registers the IIP and, together with the order information, sends it to TP 2 for communication to the client using wed Information display. Then the client types the number of the processing center PR 3 on the keyboard of the shopping center 5 and the mobile operator CO 6 creates a dedicated communication channel with the PR 3. Using the identification unit BI 7, the used shopping center is identified when creating the communication. In the processing center of the PR 3 using software and hardware the registration of the used TC 5 as a participant in this payment system is determined and a signal is transmitted for the client to enter the PIN code. The client types on the keyboard of TC 5 the PIN code issued to him during registration in the payment system, and after receiving confirmation of his membership in the payment system from PR 3 in the form of a voice message, the client sends the individual identifier of this order to PR 3 from TC 5. B PR 3 compares the unique order identifiers (IIZ) formed by him and received from TC 5 and, if they coincide, PR 3 contacts BKU 4, determines whether the funds on the client’s account are necessary to pay for the order and make a payment with funds transfer about the client’s account to the account of the institution of trade and / or services and a notification of payment in BP 1 with TP 2. The result of the financial transaction after processing in PR 3 is displayed on TP 2 - on the information display device, for example, on the display, and / or printed on printer, or the seller of the point of sale breaks the cashier's check and then gives the goods to the client, etc.

Example 1

Internet shop.

Structures and participants of the payment system with an online store.

Banking and Credit Institution (BKU) - a participant in the payment system - a bank in which the Client's account is opened. A processing center (PR) contains a block for managing a client’s account in a bank, usually belonging to the bank, for example, a server in the bank’s network that can manage the client’s current account (based on agreements), for example, using the “Client-Bank” program connected to the Internet, for example, using a dedicated channel, with appropriate software that provides a reliable connection to the online store, for example, via TCP / IP, having a client communication unit, for example, consisting of a cellular module with a installed SIM card with the number of a particular mobile operator, for example, Megafon, with software that ensures the client’s connection to the PR, offers the client to perform certain actions on his cell phone using voice prompts, and, for example, having the ability determine the phone number from which the call was made by the Client, convert the sequence of DTMF signals received from the Client into the corresponding sequence of characters, with software providing, for example, a database containing data on participants in the payment system (about customers - identification data - PIN codes of the payment system participant, parameters of customers SIM cards, parameters for managing a client’s current account in a bank, etc .; about the store - identification data, for example, store number, Internet address, data on the store’s settlement accounts, etc.) that stores all data on transactions with orders and settlement accounts, special software that generates a unique individual order identifier (IIZ ) and having the ability to compare the IIP assigned to a specific order and sent to the online store with the IIP received from the Client via the cellular communication channel, and based on the comparison giving instructions to the Client's account management program in the bank. An institution of trade and / or the provision of services (UTU) - a participant in a payment system, a seller, for example, having any goods in stock, having the ability to deliver goods to the Client by courier, having a current account with a bank, for example, in the same as A client (but it can be used in any other), which has standard computer software, with installed software, for example, the “1-С Enterprise” program, which allows you to create orders in real time, reserve goods, transactions made in the seller’s block rolirovat quantity and range of products in stock, having their virtual representation in the Internet in the form of an Internet store. An online store (seller’s block) is a special server software installed on one of the Internet servers, managed by a trade and / or service provider, capable of providing the Client, for example, through the Internet, information about the range of goods provided for purchase, their cost on the www-page that is downloaded to the computer used by the Client, which allows you to create an order containing a list, quantity and cost of goods that the Client is ready to purchase with payment in the middle by the payment system, and reserve the goods for the period of the payment, and in the PR for the formation of the IIR, which can receive from the IIR and transfer it to the seller’s terminal, presented as a www page on the computer (with a monitor, printer) used by the client, for example, owned by a client, or, for example, a computer in a computer club, etc., in addition, the seller’s terminal also includes funds that create a hard copy of the generated order with an IIP (for further receipt of goods delivered by courier). The client is a participant in the payment system, the buyer is an individual who has a bank account, a participant in the payment system, has contractual obligations with other participants in the payment system for its maintenance, has a cell phone, for example Nokia 3310, with a SIM card connected to any or to a mobile operator, for example, “Megaphone”, which has funds in the account that allows you to make calls, has access to a computer (TP) with the ability to access the Internet, for example, through session access using a modem, with standard software (for example, the WindowsXP operating system, Internet Explorer 6.0 browser) that allows you to connect to a server containing the online store (BP) software and correctly display the online store www page, which also has the ability to create a hard copy of the order with IIZ to receive goods from a courier, for example, a printer connected to a computer, such as a Canon S200 with drivers installed. Client Terminal - a cell phone owned by the client. Cellular operator - an organization that has hardware and software tools that make it possible to organize a mobile connection via cellular communications of a certain standard, for example, GSM, Megafon, to which the Client’s SIM card is connected (and also, if there is an agreement between the participants of the payment system, SIM PR card), creating at the time of a call to the processing center number, a secure dedicated voice connection (communication channel between the shopping center and the PR), in addition, having the ability to identify hardware (in the case of a contract account crash in the payment system) and weed out calls made from numbers and from telephones not belonging to customers participating in the payment system. The mobile operator may not participate as a participant in the payment system, then only standard mobile services are used (this can also be, for example, if the Client has a SIM card connected to another mobile operator, for example, MTS or another). Communication channels between TP, BP, PR - Internet connections, permanent (dedicated channels) or temporary (session access) provided by Internet providers, providing standard functions for connecting and transmitting information on the Internet, for example, using modems.

Purchasing goods through an online store.

The client, using a computer connected to the Internet, dials in the address bar of the Internet browser, for example, Internet Explorer 6.0, the address of the online store, connects to the server where the online store software is located and receives on the monitor the image of the Internet store’s www page with a list goods, such as books available at the store’s warehouse, which can be purchased, with a description and cost. The client selects the product (books) that he wants to purchase. The software of the online store generates an order containing a list of selected goods (books), their prices and the cost of the entire order, offering the Client to purchase these goods with payment via mobile cell phone. If the Customer refuses, the order is canceled. If the Client agrees by taking appropriate actions (for example, by clicking on the on-screen button with the mouse), the online store software reserves the goods for the payment period (for example, through the “1-С Enterprise” program), and sends the generated order to the PR, where the received order is recorded in the database, formed, for example, using a random number generator, an individual order identifier (IIP), consisting of a unique random set of characters (for example, 20 digits), is stored with the received order and transferred to the online store. The software of the online store displays the received IIZ from the Processing Center in a www page on the computer monitor used by the Client, and invites the Client to connect to the Processing Center (PR) number using a cell phone and transfer the IIP to the PR. The client, using his cell phone, connects to the PR number. Special PR software identifies the received call and compares the number from which the call was made with the cell phone numbers of customers participating in this payment system recorded in the database. If the identifiers (phone number, identifiers of the telephone set, etc.) do not match those recorded in the database, the PR connection is not made. If they match, a connection occurs and a special PR program (for example, “AutoRinger”), according to a pre-compiled scenario, invites the Client to enter on the keyboard the PIN code known to him when concluding a service contract with this payment system (for example, a sequence of 7 digits). The client on the keyboard of the cell-phone enters a sequence of digits of the PIN code (the entered sequence is transmitted as a sequence of standard DTMF audio signals). The PR, through the same special program, decodes the transmitted signals into a sequence of digits and checks the correspondence of the received sequence recorded in its database corresponding to this Client (already defined during the initial hardware identification). If there is a mismatch, the connection is disconnected, and if it matches, a voice prompt is sent to enter on the keyboard the www-page of the IIZ Internet store displayed on the computer monitor. The client enters, reading from the monitor, the IIS on the keyboard of his cell phone. The entered sequence is transmitted to the PR as a sequence of standard DTMF audio signals. The resulting sequence is decoded into a sequence of digits and compared with the sequence stored in the PR database in the form of an IIZ of this particular order. In the event of a partial mismatch, the PR invites you to re-enter the IIR through a special program. In the event of a complete discrepancy, it is reported that payment will not be made. If the PR coincides, by means of the mentioned special program, it announces the acceptance of the entered sequence of numbers. PR, having received a match of the IIP sent to the online store and the IIP received from a particular Client, identifies a previously saved order with a specific Client. PR checks the availability of funds on the Customer’s account in the bank to pay for this order, and if they are insufficient, informs the online store that it is impossible to pay, which is displayed accordingly on the online store page on the computer used by the Customer and is invited to adjust the order of goods. If there is sufficient funds in the Client’s account, the PR forms an instruction to the bank on the transfer of money from the Client’s account to the settlement account of the trade and / or service institution (UTU) in the amount of the cost of the ordered goods with payment of taxes and the cost of services for servicing the Client. After transferring money from the Client’s account to the UTU account, the bank informs the PR about the transaction. The PR sends a confirmation to the BP (Internet server), reports the previously agreed time and delivery address of the goods. In addition, PR informs the Client about the payment made by voice message to a cell phone or via SMS, as well as through the online store or via E-mail to send him a form for delivery of goods, which the Client can print using a printer. The goods are delivered by courier or issued at the store upon presentation of an order delivery form and presentation of an identity card. The courier transfers to the Client the ordered goods, fiscal documents (cash receipts, etc.), related documents. BP reserves the goods after the formation of the order for a time known to be sufficient for the transfer of IIH through a cell phone to the PR. In case of non-receipt from PR of confirmation of receipt of the correct IIP within this period of time, the goods cease to be reserved, about which a corresponding message appears on the www-page of the online store.

Example 2

ATM.

Structures and participants of the payment system with an ATM.

Banking and Credit Institution (BKU) - a participant in the payment system - a bank in which the Client's account is opened. Another bank that has a collection department for providing cash with ATMs or a collection department of the same bank performs the functions corresponding to a trade and / or service provision institution (UTU), where cash deposited in an ATM acts as a commodity. Processing center (PR) - a block for managing a client’s account in a bank, usually belonging to the bank, for example, a server in the bank’s network that has the ability to manage the client’s current account (based on agreements), for example, using the “Client-Bank” program connected to an ATM, for example, using a dedicated channel, with appropriate software that provides a reliable connection to an ATM, for example, via TCP / IP, with appropriate encryption / decryption tools, having a communication unit with a client, consisting of and a cellular communication module with an installed SIM card with the number of a specific mobile operator, for example, Megafon, with software that provides connection to a client, offering, according to a specific scenario, using voice prompts to perform certain actions on the client’s mobile phone and having the ability to determine the phone number from which the Client made a call, convert the sequence of DTMF signals received from the Client into the corresponding sequence of characters, with software bespechenii, for example, a database containing data about the participants of the payment system (customer - the identification data - PIN-codes participant of the payment system, the parameters of customers SIM-cards, the calculated control parameters the client bank account, etc .; about an ATM - identification data, for example, an ATM number, etc.) that stores all data on transactions with current accounts, special software that generates a unique individual order identifier (IIP) and has the ability to compare the IIP assigned to a particular transaction with the account (by receiving the goods - money) and sent to the ATM and received from the Client via the cellular communication channel, and based on a comparison by giving the command to the Client's account management program at the bank. ATM - a computer, usually belonging to a bank, installed in a vandal-resistant housing, contains in this case BP and TP. BP is a special software and communication tool with PR, TP displays information for the Client on cash withdrawal operations, followed by transferring the amount of the amount that the Client wants to cash out to the seller via the seller’s block (BP) in PR, and has the ability to display the results of the operation of cashing and printing a fiscal check, while the BP also has standard hardware for counting and issuing cash. The client is a participant in the payment system, the buyer is an individual who has a bank account, a participant in the payment system, has contractual obligations with other participants in the payment system for its maintenance, has a cell phone, for example Nokia 3310, with a SIM card connected to any or to a mobile operator, for example, Megafon, which has funds in your personal account that allow you to make calls. Client Terminal - a cell phone owned by the client. Cellular operator - an organization that has hardware and software that allows you to organize a mobile connection via cellular communications of a certain standard, for example, GSM, MegaFon, to which the SIM cards of the Client and the processing center are connected, which creates a protected dedicated at the time of the call to the processing center number voice connection (communication channel between the shopping center and the PR), in addition, having the ability to identify hardware (in the case of contractual participation in the payment system) and filter calls, made s with numbers and telephone sets that do not belong to customers - participants of the payment system. A mobile operator may not participate as a participant in the payment system, then only standard mobile services are used (this can also be, for example, if the Client has a SIM card connected to another mobile operator, for example, MTS or another). Communication channels between an ATM (part of it related to BP) and PR - connections via a dedicated channel or the Internet, permanent (dedicated channels) or temporary (session access).

Description of work with an ATM.

The client, going to the ATM, on the display (monitor) of the ATM selects, for example, the operation of cashing money from his bank account by pressing, for example, the on-screen button. The ATM offers the Client to enter the amount that he wants to withdraw from his current account and offers to do this using a mobile phone. The client enters the required amount on the TP (using the on-screen buttons, keyboard, etc.), agrees with this form of payment. The ATM (block related to BP) captures the entered data and transfers it to the PR via the communication channel. The PR records the received operation in the database and generates an individual identifier of the order (operation) of the IIM, consisting of a unique random set of characters (for example, 20 digits), saves it with the received information and transfers it to the ATM. The ATM displays on the monitor data about the operation along with the information received from the PR IIS, offering to transfer the IIS to the PR using a cell phone. The client, using his cell phone, connects to the PR number. Special PR software identifies the received call and compares the number from which the call was made with the cell phone numbers of customers participating in this payment system recorded in the database. If the identifiers (phone number, identifiers of the telephone set, etc.) do not match those recorded in the PR database, the connection is not made. If they match, a connection is made and a special PR program (for example, “AutoRinger”), according to a pre-compiled scenario, invites the Client to enter on the keyboard the PIN code assigned to him when concluding a service contract with the payment system (for example, a sequence of 7 digits ) The client on the keyboard of the cell-phone enters a sequence of digits of the PIN code (the entered sequence is transmitted as a sequence of standard DTMF audio signals). The PR, through the same special program, decodes the transmitted signals into a sequence of digits and checks the correspondence of the received sequence recorded in its database corresponding to this Client (already defined during the initial hardware identification). If there is a mismatch, the connection is disconnected, and if it matches, a voice prompt is sent to enter the IIS displayed on the ATM monitor on the keyboard. The client enters, reading from the monitor, the IIS on the keyboard of his cell phone. The entered sequence is transmitted to the PR as a sequence of standard DTMF audio signals. The resulting sequence is decoded into a sequence of digits and compared with the sequence stored in the PR database in the form of an IIM of a certain operation for ordering the issuance of money. In the event of a partial mismatch, the PR invites you to re-enter the IIR through a special program. In the event of a complete discrepancy, it is reported that the issue of money will not be made. If the PR matches, through a special program, it announces the acceptance of the entered sequence of numbers. PR, having received a match of the IIH received from the ATM and the IIH received from a particular Client, identifies previously stored data about the transaction with a particular Client. PR checks the availability of funds on the Client’s account in the bank (BKU) to dispense the ordered amount of cash, and in case of insufficiency informs the ATM about the impossibility of the transaction, which is displayed accordingly on the monitor of the ATM and an invitation appears to adjust the amount that the Client wants to receive in cash. In the event of a complete lack of funds on the Client’s account, the PR informs on the ATM monitor that there are no funds and the termination of work with this Client. If there is sufficient funds in the Client’s account, the PR forms an instruction to the ATM to issue the ordered amount of cash to the Client through a special mechanism, instructs the bank to withdraw the ordered amount and the amount of payment for bank services, taxes from the Client’s current account. The ATM issues to the Client the ordered amount of cash and a hard copy of the transaction report (cash receipt) and switches to standby mode. After the appearance of the IIA on the monitor of the ATM, the Client is allotted time that is obviously sufficient for the transfer of the IIA through the mobile phone to the PR. If the correct IIM is not received in the PR during this time, the ordered operation is canceled, which is reported through the ATM monitor.

The proposed method and system provides high reliability at a low cost of conducting non-cash financial transactions and can be used in the sale of goods and / or services, in particular, fuel dispensing at gas stations, sale of transport tickets, vacation tickets, payment for telephone calls, etc. . For their implementation does not require additional inventive steps, all hardware and software are available for creation by appropriate specialists.

The proposed method and system for its implementation at the conclusion of the relevant agreements can be used when finding clients and other participants in the system in various geographical locations, using various communication systems and trade and / or service institutions, which creates additional conveniences and advantages.

Literature

1. RF patent №2116008, publ. in BI 07/20/98.

2. Application for a patent of the Russian Federation No. 2001118029/09 dated 06/20/2001, the decision to grant a patent on 04/24/2003.

Claims (2)

1. A method of conducting non-cash financial transactions, according to which, in an established on the basis of a contractual relationship between at least one trade and / or service institution having at least one seller unit, to which the seller terminal is connected by at least one banking credit institution and for customers with mobile cell phones, the client opens a system for cashless financial transactions to pay for goods and / or services purchased by the client that are provided by a trade and / or service institution at least one current account in a banking institution, selects the goods and / or services that are needed from the seller’s terminal, after which an order is generated in the seller’s block containing information about these goods and / or services and their cost, this information is displayed on the seller’s terminal with an offer to make payment using the client’s mobile cell phone, and after the client confirms the decision on such payment at the seller’s terminal, the seller’s block reserves the selected goods and / or services and, using the selected channel, Vyaz transmits information about the order to the processing center participating in this payment system, where the order is registered, the formation and assignment of an individual order identifier, its inclusion in the order information and its transfer to the seller’s block, which displays it on the seller’s terminal to inform the customer, after which the client connects his mobile cell phone with the help of the mobile operator of the serving telecommunications network to the processing center, the identifier is made the client’s mobile cell phone and if it is positive, the client is asked to enter the pin code assigned to him as a participant in the contractual relationship in this system for his personification, after the positive result of which, received by the client on the mobile cell phone, the client immediately transmits using the mobile of a mobile phone, the individual order identifier displayed on the seller’s terminal, if not received for a period of time sufficient for the above, starting from If an individual order identifier is displayed on the seller’s terminal, operations, the processing center disconnects from the client and transmits information about the termination of the financial transaction to the seller’s block, and upon timely receipt of an individual order identifier, the processing center transmits receipt confirmation to the client’s mobile phone and compares the individual identifier an order formed by him with an individual order identifier received from a mobile cell phone the client’s background, with a positive result of which the processing center checks the possibility of paying for the order from the client’s bank account in a banking and credit institution, and with a positive result, the bank and credit institution transfers the necessary amount to the bank account of a trade and / or service and informs the processing center, which transfers information to the seller’s block with the corresponding terminal of the seller, after which fiscal documents are issued to the client about the payment made Second surgery and vacation paid goods and / or services. 2. A system for conducting non-cash financial transactions, created on the basis of contractual relations between at least one banking and credit institution, at least one institution of trade and / or services and customers, contains at least one seller block in the form of a hardware-software complex, made with the possibility of forming an order and reserving the goods and / or services provided by the trade and / or service institution, providing communication with the trade and / or service institution and at least one processing center ntrom, made in the form of a hardware-software complex with the ability to generate an individual identifier for each order of goods and / or services, manage customer settlement accounts in a banking institution, receive and process information from the seller’s block, at least one seller’s terminal connected to the seller’s block, having at least a means for entering information about the operation and transferring it to the seller’s block and means for receiving from the seller’s block and displaying information about the progress the operation also contains at least one client terminal in the form of a personal mobile cell phone serviced by the corresponding telecommunication network cellular operator, at least one identification unit, configured to perform the identification of the client terminal and connected to the cellular operator and the processing center, This client terminal has the ability to connect using a cellular telecommunications network operator with a processing center that has the ability Connections from the seller unit via the selected communication channel.