RU2263962C1 - System for performing cashless financial operations - Google Patents

Abstract

FIELD: computer science.

SUBSTANCE: system has keyboards, output connecting device, central processor unit, modems, wireless communication device, identification block, processing center. Wireless communication device and each modem have a set-point generator, phase manipulator, scrambler, first mixer, first heterodyne, amplifier of first intermediate frequency, first power amplifier, duplexer, transceiver antenna, second power amplifier, second mixer, second heterodyne, amplifier of second intermediate frequency, multiplier, band filter, phase detector and descrambler.

EFFECT: higher reliability.

5 dwg

Description

The proposed system 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 non-cash payment systems using the transmission of information using wireless means of communication.

Known devices (systems) for providing non-cash financial transactions (RF patents Nos. 2.124.231, 2.162.245, 2.216.773; US patents Nos. 5.465.206, 5.999.773 and others).

Of the known devices (systems) closest to the proposed one is the "System for conducting non-cash financial transactions" (RF patent No. 2.216.773, G 06 F 17/60, 2001), which is selected as the base.

However, this system does not provide reliable protection of the transmitted information from unauthorized access.

An object of the invention is to increase the reliability of protection of transmitted information from unauthorized access by using complex signals with phase shift keying and duplex radio communication at two frequencies.

The problem is solved in that in a system for conducting non-cash financial transactions, comprising at least one input / output device for information, containing at least a keyboard for entering data of the operation, a keyboard for entering a PIN code, an output reporting device confirming and fixing the operations performed, and the first modem connected to the central processor having a program for storing the seller’s identification data, processing the data of the operations performed, and generating a request in processing center and providing activation of the first modem, a 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 the banking and credit network institutions through sequentially located and interconnected second modem and processing center processing each incoming request, form the answer for the input-output device and providing control of the network of banking and credit institutions, while the wireless device is a personal wireless device of the client having an individual identifier, the connection node of the first modem with the wireless device is configured to connect to the used personal wireless device the client, the identification unit of the used personal wireless devices is connected to an additional unit, providing which determines the receipt of the call signal of the processing center and the transmission of the identification code of the client’s personal wireless device to the processing center connected to the second modem, the wireless device and each modem are made in the form of serially connected master oscillator, phase manipulator, the second input of which is connected via a digital sclebler to a source of discrete messages, a first mixer, the second input of which is connected to the output of the first local oscillator, an amplifier of the first intermediate frequency, the first power amplifier, a duplexer, the input-output of which is connected to the transceiver antenna, the second power amplifier, the second mixer, the second input of which is connected to the output of the second local oscillator, the second intermediate frequency amplifier, multiplier, the second input of which is connected to the output of the first local oscillator, a bandpass filter, a phase detector, the second input of which is connected to the output of the second local oscillator, and a digital descrambler, the output of which is the output of the device.

The structural diagram of the proposed system for making payments is presented in figure 1. The structural diagrams of the wireless communication device, the first and second modems are shown in FIGS. 2 and 3. A frequency diagram explaining the signal conversion process is shown in FIG. 4. Timing diagrams explaining the principle of operation of duplex radio communications are depicted in figure 5.

The input-output device comprises a keyboard 1 for inputting data of the operation being performed, a keyboard 2 for inputting a PIN code, and a first modem 5 connected to the corresponding inputs of the central processor 4, an output communicating device 3, a node 6 for connecting the first modem 5 to the wireless communication device 7 (UBS) customer. The Central processor 4 corresponding outputs connected to the input of the output reporting device 3, containing, for example, a display and a printer, as well as the input of the first modem 5 for transmitting the processed information. The first modem 5 is also connected by an input and an output to a node 6 connecting it to a wireless communication device 7. A wireless communication device 7 by an input and an output is connected to an identification block 8 of the used UBS and to an additional block 9, the input of which is also connected to the output of the block 8. Block 9 the input and output is connected to the second modem 10, the input-output of which is connected to the processing center 11, and the input-output of this center is connected to the input-output of a banking or credit institution 12.

The wireless communication device 7 and the first 5 (second 10) modem contain a serially connected master oscillator 13.1 (13.2), a phase manipulator 14.1 (14.2), the second input of which is connected to a discrete message source through a digital sclebler 15.1 (15.2), the first mixer 16.1 (16.2) ), the second input of which is connected to the output of the first local oscillator 17.1 (17.2), the amplifier 18.1 (18.2) of the first intermediate frequency, the first power amplifier 19.1 (19.2), the duplexer 20.1 (20.2), the input-output of which is connected to the transceiver antenna 21.1 (21.2) the second power amplifier 22.1 (22.2), the second a mixer 23.1 (23.2), the second input of which is connected to the output of the second local oscillator 24.1 (24.2), an amplifier 25.1 (25.2) of the second intermediate frequency, a multiplier 26.1 (26.2), the second input of which is connected to the output of the first local oscillator 17.1 (17.2), a band-pass filter 27.1 (27.2), a phase detector 28.1 (28.2) and a digital descrambler 29.1 (29.2), the output of which is the output of the device.

The scheme works as follows. A client with a cell phone or personal radio station 7 enters into an agreement with a bank or credit institution (BKU) 12 to open an account for servicing payment transactions. At the same time, BKU 12, processing center 11, trade and service institutions (in which information input / output devices are located) - participants of the cashless payment system should also have contractual relations between themselves.

When contacting a trade or service institution, a client participating in the system selects the desired product or service and informs the seller who, on the input-output device, generates a request to the processing center 11 for information about the purchased product (service), cost, quantity, etc. The client communicates with the processing center 11 using a personal wireless device 7, while in the identification unit 8, the individual number of the personal wireless device of the client is determined, its membership in the client serviced by this particular identification unit is checked.

In this case, the master oscillator 13.1 generates harmonic oscillation (Fig.5, a)

u _c1 (t) = U _c1 cos (ω _c t + φ _c1 ), 0≤t≤T _c1 ,

where U _c1 , ω _c , φ _c1 , T _c1 - amplitude, carrier frequency, initial phase and duration of oscillation,

which is fed to the first input of the phase manipulator 14.1, the second input of which is supplied with a modulating code M ₁ (t) (Fig. 5, b) of the output of the digital scrambler 15.1. The input of the latter is connected to a source of discrete messages, which can serve as a keyboard 1 for entering data and a keyboard 2 for entering a PIN code.

At the output of the phase manipulator 14.1, a complex signal with phase shift keying (PSK) is generated (Fig. 5, c)

u ₁ (t) = U _c1 cos [ω _c t + φ _k1 (t) + φ _c1 ], 0≤t≤T _c1 ,

where φ _k1 (t) = 0, π is the manipulated phase component that displays the phase manipulation law in accordance with the modulating code M ₁ (t), and φ _k1 (t) = const for k k _e <t <(k + 1) τ _e and can change abruptly at t = kτ _e , i.e. at the borders between elementary premises (k = 1, 2, ... N-1);

τ _e , N ₁ - the duration and number of chips that make up a signal of duration T _c1 = (T _c1 = τ _e N ₁ ), which is fed to the first input of the mixer 16.1, the second input of which supplies the local oscillator voltage 17.1

u _g1 (t) = U _g1 cos (ω _g1 + φ _g1 ).

At the output of the mixer 16.1, voltages of combination frequencies are generated. The amplifier 18.1 is allocated the voltage of the first intermediate (total) frequency (figure 5, g)

u _np1 (t) = U _pp1 cos [ω _pr1 t + φ _k1 (t) + φ _pp1 ], 0≤t≤T _c1 ,

Where

K ₁ - gear ratio of the mixer,

ω _p1 = ω _s + ω _g1 - the first intermediate (total) frequency,

φ _pr1 = φ _c1 + φ _g1 .

This voltage after amplification in the amplifier 19.1 through the duplexer 20.1 is radiated by the transceiver antenna 21.1 on the air at a frequency ω ₁ = ω _CR1 , it is captured by the transceiver antenna 21.2 of the second modem 10 and fed through the amplifier 22.2 to the first input of the mixer 23.2. At the second gathering of the mixer 23.2. voltage u _g1 (t) of the local oscillator 24.2 is applied. At the output of the mixer 23.2, voltages of combination frequencies are generated. The amplifier 25.2 is allocated the voltage of the second intermediate (differential) frequency (figure 5, c)

u _CR2 (t) = U _CR2 cos [ω _CR2 t + φ _k1 (t) + φ _CR2 ], 0≤t≤T _c1 ,

Where

ω _pr2 = ω _pp1- ω _g1 = ω _c is the second intermediate (difference) frequency;

φ _pr2 = φ _pr -φ _g1 ,

which goes to the first input of the multiplier 26.2, to the second input of which the local oscillator voltage 17.2

u _g2 (t) = U _g2 cos (ω _g2 t + φ _g2 ).

At the output of the multiplier 26.2 voltage is formed

u ₂ (t) = U ₂ cos [ω _g1 t-φ _k1 (t) + φ _g1 ], 0≤t≤T _c1 ,

Where

K ₂ - transfer coefficient of the multiplier,

which is allocated by the band-pass filter 27.2 and fed to the information input of the phase detector 28.2, to the reference input of which the voltage u _g1 (t) of the local oscillator 24.2 is supplied. The output of the phase detector 28.2 allocated low-frequency voltage (Fig.5, d)

u _n1 (t) = U _n1 cosφ _k1 (t), 0≤t≤T _c1 ,

Where

K ₃ - the transfer coefficient of the phase detector,

proportional to the modulating code M ₁ (t) (Fig. 5, b).

This voltage through the digital descrambler 29.2 enters the processing center 11, where it is determined whether the used wireless communication device 7 is a participant in payment transactions in this 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 to UBS 7.

For this, the master oscillator 13.2 of the second modem 10 generates a harmonic oscillation (figure 5, e)

u _c2 (t) = U _c2 cos (ω _c t + φ _c2 ), 0≤t≤T _c2 ,

which is fed to the first input of the phase manipulator 14.2, to the second input of which a modulating code M ₂ (t) is supplied (Fig. 5, g) from the output of the digital scrambler 15.2. At the output of the phase manipulator 14.2, a complex signal with phase shift keying (QPSK) is generated (Fig. 5, h)

u ₃ (t) = U _c2 cos [ω _c t + φ _k2 (t) + φ _c2 ], 0≤t≤T _c2 ,

which is supplied to the first input of the mixer 16.2, the second input of which is supplied with the voltage u _g2 (t) of the local oscillator 17.2. At the output of the mixer 16.2, a voltage of combination frequencies is generated. The amplifier 18.2 is allocated the voltage of the intermediate (differential) frequency (figure 5, and)

u _CR3 (t) = U _CR3 cos [ω ₂ t-φ _k2 (t) + φ _CR3 ], 0≤t≤T _c2 ,

Where

ω ₂ = ω _g2 -ω _s is the intermediate (difference) frequency;

φ _pr3 = φ _s -φ _g2 .

This voltage after amplification in the power amplifier 19.2 through the duplexer 20.2 is radiated by the transceiver antenna 21.2 at a frequency of ω ₂ into the ether, it is captured by the transceiver antenna 21.1, and through the power amplifier 22.1 it is supplied to the first input of the mixer 23.1. The voltage u _g2 (t) is applied to the second input of the mixer 23.1 local oscillator 24.1. At the output of the mixer 24.1, voltages of combination frequencies are generated. The amplifier 25.1 is allocated the voltage of the second intermediate (differential) frequency (figure 5, h)

u _CR4 (t) = U _CR4 cos [ω _CR2 t + φ _k (t) + φ _CR4 ], 0≤t≤T _c2 ,

Where

_np2 ω = ω _z2 -ω ₂ - second intermediate (difference) frequency;

cp = φ _{WP4 WP3} -φ _r2,

which is fed to the first input of the multiplier 26.1, the second input of which is supplied with the voltage u _g1 (t) of the local oscillator 17.1. At the output of the multiplier 26.1 voltage is formed

u ₄ (t) = U ₄ cos [ω _{r2 t + φ k2 (t) +} φ _r2], 0≤t≤T _c2,

Where

ω = ω _{z2 np2} + ω _z1,

which is allocated by the band-pass filter 27.1 and fed to the information input of the phase detector 28.1, to the reference input of which the voltage u _g2 (t) of the local oscillator 24.1 is supplied. At the output of the phase detector 28.1, a low-frequency voltage is generated (Fig. 5, k)

u _n2 (t) = U _n2 cosφ _k2 (t), 0≤t≤T _c2 ,

Where

proportional to the modulating code M ₂ (t) (figure 5, g). This voltage through a digital descrambler 29.1 is supplied to the Central processor 4 as a signal invitation to enter the PIN code. After that, the client dials for authentication the PIN code issued to him when registering as a participant in this payment system, on the seller’s PIN keyboard 2 or, preferably, on the keyboard of his personal communication device 7. After receiving confirmation of the passage of the PIN code from the processing center 11, the client places enabled personal wireless device 7 to the node 6 connection with the first modulator 5 to provide contact. The first modem 5 is activated when the seller starts the data transfer program by the central processor 4, after which the product data, etc., previously entered by the seller, are transferred to the processing center 11. The processing center 11, which is, for example, a server with the appropriate software installed ensuring that he performs the necessary functions, he processes the information received and, through the created communication channel between him and the input-output device, transmits the result of the operation that is displayed on the output reporting device 3 of the input-output device 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).

Thus, the proposed system in comparison with the basic and other technical solutions of a similar purpose provides increased reliability of protection of the transmitted information from unauthorized access. This is achieved by using complex signals with phase shift keying and duplex radio communication at two frequencies.

In this logic data on the first modem transmits at frequency ω ₁ = ω _pr1 = ω _r2, and received at a frequency ω ₂ = ω _d1 and the second modem, on the contrary, the discrete information is transmitted at frequency ω _2, and is accepted - at frequency ω ₁ . The local oscillator frequencies are doubled by the second intermediate frequency

w _{r1 r2} -ω = ω _WP2.

Protection of the transmitted information from unauthorized access has three levels: cryptographic, energy, and structural.

The cryptographic level is provided by special methods of encryption, encoding and information conversion, as a result of which its content becomes inaccessible without presenting the cryptogram key and the inverse transformation.

With the digital method of closing the transmitted message, which is implemented by the digital scrambler 15.1 (15.2), four main groups can be distinguished:

1) substitution - the characters of a discrete message are replaced by other characters in accordance with a predetermined rule;

2) permutation - the symbols of a discrete message are rearranged according to some rule within a given block of a transmitted discrete message;

3) analytical conversion - the encrypted message is converted according to some analytical rule;

4) combined conversion - the original discrete message is encrypted with two or more encryption methods.

The principle of operation of the digital descrambler 29.1 (29.2) corresponds to the principle of the digital scrambler 15.1 (15.2), but has the opposite character.

The energy and structural levels are ensured by the use of complex signals with phase manipulation, which have high energy and structural secrecy.

The energy secrecy of these signals is due to their high compressibility in time or in the spectrum with optimal processing, which reduces the instantaneous radiated power. As a result of this, the complex QPSK signal used at the receiving point may be masked by noise and interference. Moreover, the energy of a complex QPSK signal is by no means small; it is simply distributed over the time-frequency domain so that at each point of this region the signal power is less than the power of noise and interference.

The structural secrecy of complex QPSK signals is due to the wide variety of their shapes and significant ranges of parameter changes, which makes it difficult to optimize or at least quasi-optimal processing of complex QPSK signals of an a priori unknown structure in order to increase the sensitivity of the receiver.

Complex signals with phase shift keying open up new possibilities in the technique of transmitting messages and protecting them from unauthorized access. These signals allow the use of a new type of selection - structural selection. This means that there is a new opportunity to distinguish complex QPSK signals from other signals and interference operating in the same frequency band and at the same time intervals. This feature is realized by convolution of the spectrum of complex PSK signals.

Claims (1)

A system for conducting non-cash financial transactions, including at least one input / output device for information, comprising at least a keyboard for entering data of the operation being performed, a keyboard for entering a PIN code, an output communicating device confirming and recording the operations performed, and a first modem connected to a central processor having a program for storing the seller’s identification data, processing the data of the operation being performed, generating a request to the processing center, and providing activation of the first modem, a connection node of the first modem with a wireless communication device configured to connect to a network common to used wireless communication devices, a wireless connection 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, generating a response for the input device, you an ode and providing management of a network of banking and credit institutions, while the wireless device is a personal wireless device of the client having an individual identifier, the connection node of the first modem with the wireless device is configured to connect to the client’s personal wireless device, the identification unit used for personal wireless devices connected to an additional unit that provides signal receipt detection call the processing center and transmitting the identification code of the personal wireless device of the client to the processing center connected to the second modem, characterized in that the wireless communication device and each modem are made in the form of series-connected master oscillator, phase manipulator, the second input of which is connected via a digital scrambler with a source of discrete messages, the first mixer, the second input of which is connected to the output of the first local oscillator, the amplifier of the first intermediate part from a first power amplifier, a duplexer, the input-output of which is connected to a transceiver antenna, a second power amplifier, a second mixer, the second input of which is connected to the output of the second local oscillator, an amplifier of the second intermediate frequency, a multiplier, the second input of which is connected to the output of the first local oscillator, bandpass a filter, a phase detector, the second input of which is connected to the output of the second local oscillator, and a digital descrambler, the output of which is the output of the device.

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