RU2652946C1 - Method of recognition of payment documents - Google Patents

Abstract

FIELD: examination of documents.

SUBSTANCE: invention relates to the methods for recognizing the payment documents, at which the image of the payment document is received on the client device, the mentioned image is transmitted from the client device via the integrated network to the remote server, and can be used for automatic recognition of any types of payment documents. According to the invention, the base of payment types, the database of open payment requisites and the database of successfully recognized payment documents are preliminarily formed; the payment data are extracted from the received payment document, these data are sufficient for the automatic conduct of the payment transaction on the specified payment document, after retrieving the data, the payment type is checked against the payment type database, to which a certain identical set of payment requisites corresponds, according to the specified type; the conformity of the formats of the received data and the adequacy of the data for the automatic conduct of the payment transaction on the specified payment order are checked, if the data is insufficient, then the presence in the available database of open payment details of the missing payment details or the presence of missing payment details in the available database of successfully recognized payment documents are checked, the correctness of payment details according to the rules of compilation of requisites and check digits are verified.

EFFECT: claimed invention is aimed at increasing the probability and reliability of recognition of various payment documents.

6 cl, 2 dwg

Description

FIELD OF THE INVENTION

The present invention relates to methods for recognizing payment invoices, in which an image of a payment invoice is received on a client device, the specified image is transmitted from the client device via an integrated network to a remote server, a payment order is generated on the specified payment invoice, and can be used for automatic recognition any type of invoice for payment.

The following terms are used in this description.

Payment invoice - any tangible medium containing data sufficient to make a payment in relation to the person who issued such a payment document. Payment documents include proforma invoices, invoices, invoices, and similar documents.

Recognition - the procedure for extracting characters from a scanned or photographed payment document or image using a remote server. Recognition allows the user to significantly save time, because the characters do not need to be entered independently.

Server (eng. Server) - an electronic device that performs service functions at the request of the client, giving him access to certain resources. For the purposes of this description, a server is considered having a permanent connection to a federated network that can transmit data to the server from client devices. The server can process this data and transfer the processing result back to the client device.

The combined network, as well as all connections between all modules and blocks, include various topologies, configurations, and layouts of the components of the interconnect, configured to interconnect corporate, global, and local area networks, and includes, without limitation, traditional wired, Wireless, satellite, optical and equivalent network technologies.

A computing unit is a server unit that is a microprocessor specially adapted for signal processing.

A database or a database storage unit is a server unit that stores data corresponding to this module, which can be executed as a hard disk drive or as flash memory, which refers to semiconductors of electrically reprogrammable memory. However, some modules can be combined in separate implementations. For example, different databases can be stored in one memory module.

A client device is any form of computing platform that connects to a network, such as a federated network, and allows interaction with application programs. Typical examples of individual client devices include, but are not limited to, stationary and portable personal computers, smart cell phones (in English, a smartphone), laptop computers, including tablet computers, lightweight clients, workstations, and non-smart terminals connected to application server, as well as their various layouts and configurations, that is, both physical devices for interacting in communication interaction systems, and virtual devices properties implemented on programmable computer devices and having a software interface for the implementation of communication functions. Mostly this is a smartphone (smart phone, that is, a cell phone that includes the functions of a computer device) that has a touch display, or a tablet computer and similar devices - smart watches, glasses, etc.

A QR code (from the English. "Quick response" means "quick response") or a barcode, a matrix code (two-dimensional barcode) that encodes any information, whether it be plain text or a link to a site.

Means of payment - any of the means used to pay, cash account, virtual money and so on.

Buyer payment details - bank details of the buyer’s personal account from which funds or their equivalents can be debited to pay for goods and / or services, for example:

- a current account with a bank or other credit institution, for example, a debit or credit card account,

- an account in an electronic payment system, for example Yandex money,

- an account with a telecom operator when payment is made by sending SMS messages,

- an internal account on the server when an advance payment is made for some services, which is taken into account in your personal account, for example, in hosting services.

State of the art

Currently, you have to pay a lot of bills, such as fines, utility bills, for visiting preschool and school institutions, public services, etc. As a payment document, an invoice is usually issued, printed on a paper sheet, on which payment details are printed, of which there are many, especially in tax and budget payments, there are fields: UIN, KBK, OKTMO, TIN, KPP and many others, which each have 20 and more numbers. With manual entry, it is easy to make a mistake, and finding an error is not always simpler than the new act of introducing all the details.

There are methods for recognizing payment invoices, in which an image of a payment invoice is received on a client device, the specified image is transmitted from the client device via an integrated network to a remote server where recognition is made, and a payment order is generated for the specified payment invoice.

Such a method is described in the description of the patent of the Russian Federation for utility model No. 119495, published in 2012. It describes how a client device places a QR code on a document and ensures the transfer of the document to a dedicated server that decodes the QR code and returns the document in decoded form to the second subsystem on the payer's computer

This method is the closest in technical essence and the achieved technical result and is selected for the prototype of the invention.

The disadvantage of this prototype is its low ability to recognize an invoice for payment. Namely - the inability to recognize any third-party payment account that does not have a special QR code or a similar graphic code, or it is poorly printed and not recognized. Or, recognition is performed, but it is not reliable, and it is not possible to conduct a payment transaction automatically. In addition, there is no verification of recognition of payment invoices during recognition. And, of course, such a method cannot recognize a handwritten invoice for payment.

This is all the problem to which the present invention is directed.

Disclosure of the invention as a method

Based on this original observation, the present invention mainly aims to propose a method for recognizing a payment account for automatically generating a payment, allowing at least to smooth out at least one of the above disadvantages, namely, to increase the probability and reliability of recognition of various accounts on payment, which is the technical task of the present invention.

To achieve this goal

- pre-form a database of types of payment accounts, a database of open payment details and a database of successfully recognized payment accounts;

- extract the payment data from the received invoice for payment, sufficient to automatically conduct a payment transaction on the specified invoice for payment,

- after extracting the data, check the type of payment, which corresponds to a certain identical set of payment details, using the database of account types for payment,

by specified type

- check the conformity of the formats of the received data and the sufficiency of data for the automatic conduct of the payment transaction on the specified invoice for payment,

if data is insufficient, then

- check the availability of missing payment details in the existing database of open payment details or

- check for missing payment details in the existing database of successfully recognized payment documents,

- check the correctness of payment details according to the rules for drawing up details and check digits.

Thanks to these advantageous characteristics, it becomes possible to determine the type of payment, since different types of payments correspond to different sets of payment fields that must be filled in (for example, in the budget payments the KBK and OTKMO fields must be filled in, and in the payment documents of legal entities such fields do not need to be filled ) In addition, it becomes possible to determine the format of each field for each field, for example, the field “settlement account” should contain 20 digits. Thus, it is possible to check the sufficiency of the data for automatically conducting a payment transaction on a specified invoice for payment. In addition, it becomes possible, if some data is insufficient, to automatically obtain this data in the existing database of open payment details of missing payment details, for example, by recognizing the data in the “BIC” field, for example, it is the BIC of Sberbank, you can automatically fill in the “correspondent account” field. And, in addition, in order to exclude the possibility of incorrect data recognition, check the correctness of payment details according to the rules for drawing up details and check digits.

There is an advantageous embodiment of the invention, in which additionally:

- extract the payment data from the received invoice for payment, for which

- first, additionally form a database of templates for invoices for payment and a database of keywords,

- determine the presence on the image of the invoice for payment of graphic encoded elements, if available, extract the full set of data sufficient to automatically conduct a payment transaction on the specified invoice for payment,

if there are no indicated graphic encoded elements on the image or they cannot be recognized, then

- determine whether the payment invoice is a known template of payment invoices, for which the image of the payment invoice is checked against the images from the database of payment invoice templates, if it is determined that the recognized payment document belongs to the already existing payment invoice template, determine only those fragments of the image of the invoice for payment that are necessary for the automatic conduct of the payment transaction on the specified invoice for payment, and which correspond to the specified template,

if the payment invoice is an unknown template that is not in the database of payment invoice templates, or it cannot be recognized, then

- determine the presence on the image of the invoice for payment of keywords characterizing payment details from the database of keywords, if these keywords are defined, the fragments on the image of the payment document will be identified that correspond to the specified keywords, and if there is no or inability to determine the presence of keywords; at least a part of the image of the payment invoice is transferred to a specialized remote server for automatic recognition or to the operator’s automated workstation for manual recognition, and from there data automatically or manually recognized from the received payment invoice are sufficient to automatically conduct a payment transaction on the specified payment invoice .

Thanks to these advantageous characteristics, the opportunity arises:

- retrieve a complete set of data sufficient to automatically conduct a payment transaction on a specified invoice for payment using graphic codes;

- in the event that the recognition of a recognized payment document belongs to the payment document templates already in the database, determine only those fragments of the image of the payment document that are necessary for automatic payment transaction on the specified payment document and which correspond to the specified template, which speeds up the recognition process;

- receive from the specialized remote server for automatic recognition or from the automated workstation of the manual recognition operator the automatically or manually recognized data from the received payment document sufficient to automatically conduct the payment transaction for the specified payment document.

All this allows you to recognize any payment documents. And do it as quickly as possible. Since at first the method involves the automatic determination of the presence of graphic codes, such as a QR code, in which there is an exhaustive data set, and the recognition process is as quick as possible, then recognition of the payment invoice template, the location of the payment data from which is known. Then the definition of keywords corresponding to the name of the fields, which eliminates the need for recognition of the remaining fragments of the document. And in the most difficult case, only everything is given to external automatic or external manual recognition.

There is also an embodiment of the invention in which a complete image of a payment invoice is transmitted to a specialized remote server for automatic recognition or to an operator's automated workstation for automatic or manual recognition by a single operator of the entire image of a payment invoice.

Thanks to this advantageous characteristic, it becomes possible to transmit and receive the necessary information in one act of data transfer, which speeds up and simplifies the recognition process at this stage.

There is an alternative to the previous embodiment of the invention in which at least a portion of the payment invoice image is transmitted to a specialized remote server for automatic recognition or to an operator's automated workstation for automatic or manual recognition by breaking the payment invoice image into a plurality of fragments, each of which transmit to a multitude of specialized remote servers for automatic recognition or automated workstations of operators for auto automatic or manual recognition while maintaining the confidentiality of recognizable payment details.

Thanks to this advantageous feature, it becomes possible to ensure the confidentiality of the process of recognizing payment invoices, since none of the operators of automated workplaces have enough data to make a payment, only fragments or individual letters and numbers. Also, there is no complete data on each of the specialized remote servers for automatic recognition, if transmitted to them. This can be significant, because in some cases, for example, by accident, the payer data sufficient for debiting funds from him can be transferred along with the payment data.

There is, in addition, an embodiment of the invention in which when checking the availability of accounts for payment of missing payment details in the existing database, an additional request is sent to external payment details databases.

Thanks to this advantageous characteristic, it becomes possible to also connect all possible data arrays for process automation, for example, directories of BIC banks.

There is also such a variant of the invention, which additionally analyzes the field “Purpose of payment” in the payment details for its completion and compliance with the required formats, if there is no data in the field “Purpose of payment”, the necessary data is generated using external databases.

Due to this advantageous characteristic, it becomes possible if the “Payment Details” field is not recognizable, which is often the longest, having the largest number of options, and difficult to recognize automatically fill in the necessary data using external databases.

The set of essential features of the invention is unknown from the prior art for methods of similar purpose, which allows us to conclude that the criterion of "novelty" for the invention in relation to the method. The non-obviousness of the solution and the global nature of the problem being solved, which still remained unresolved, speaks of the non-obviousness of the solution for a person skilled in the art and, thus, the compliance of the invention with the criterion of "inventive step".

Brief Description of the Drawings

Other distinguishing features and advantages of this invention clearly follow from the description below for illustration and not being restrictive, with reference to the accompanying drawings, in which:

- figure 1 depicts a functional diagram of a recognition system of invoices for payment according to the invention,

- figure 2 schematically depicts the steps of a method for recognizing payment invoices according to the invention.

According to figure 1, the client device 1 is connected through an integrated network 2 with a remote server 3, which includes

- a base of types of invoices for payment 31,

- a database of open payment details 32,

- a database of successfully recognized payment bills 33,

- a database of payment invoice templates 34,

- keyword database 35.

The client device 1 is configured to scan or photograph, for example, the camera 11 of the invoice for payment 4, which may contain graphic encoded elements, such as a QR code.

The remote server 3 can be connected via an integrated network 2 to the operator's automated workstation 5 for manual recognition or to a specialized remote server 51 for automatic recognition of payment bills.

The processing server that can make the payment is indicated as 6. External databases are indicated as 7.

The implementation of the invention

The method of recognition of invoices for payment works as follows. Here is the most comprehensive example of the invention, bearing in mind that this example does not limit the application of the invention.

Stage AO - Preparation

A database of types of invoices for payment 31, a database of open payment details 32, a database of successfully recognized accounts for payment 33, a database of templates for invoices for payment 34, and a database of keywords 35 are preliminarily formed.

Step A1 - Data Entry

The image of invoice for payment 4 is received on client device 1. A graphic image of invoice for payment 4 is received in specialized software on a mobile device, including on a mobile phone:

- at the moment by means of an optical reader (taking pictures by means of a camera 11) or

- from the local storage of the mobile device (using a ready-made photo)

Stage A2 - Transfer

The specified image of the invoice for payment is transmitted from the client device 1 via the combined network 2 to the remote server 3.

Stage A3 - Recognition

First, the method basically determines whether the received image is an invoice for payment or not. It can be, for example, a person’s face. Then it is immediately determined that this is not an account. The algorithm is stepwise and each next stage is needed or possible only if a certain result is achieved in the previous stage, otherwise everything is impractical and the process is prematurely interrupted.

Stage A31. Determine whether the image of the invoice for payment of graphic encoded elements, for example, linear and two-dimensional matrix barcodes, if available, extract a complete set of data sufficient to automatically conduct a payment transaction on the specified invoice for payment 4, if the image does not contain the specified graphic encoded elements or they cannot be recognized, then go to step A32.

Stage A32. Determine whether the invoice for payment 4 is a known template of invoices for payment, see item 41, for which the image of the invoice for payment 41 is compared with the images from the database of templates for invoices for payment 34. In the case of determining the identity of the recognized invoice for payment to that already existing in the database of templates for invoices for payment 34 determines only those fragments of the image of the invoice for payment 4 that are necessary for the automatic conduct of a payment transaction on a specified invoice for payment and which correspond to the specified template. If the invoice for payment is an unknown template that is not in the database of templates for invoices for payment, or it cannot be recognized, then go to step A33.

Stage A33. Determine if there are 4 keywords in the image of the invoice for payment that characterize the payment details from the keywords database 35. If these keywords are defined, fragments in the invoice for payment 4 image will correspond to the specified keywords, and in the absence or impossibility of determining the presence of key words go to step A34 or A35.

Stage A34. Before sending the invoice for payment to a specialized remote server 51 for automatic recognition or for manual processing, the user may be asked to manually enter the missing data on the client device. This is an optional setting. Either give it to a specialist, or additionally request from the client, or offer the client a choice (drive yourself, which is faster, or send for manual processing, which is easier for the client, but longer).

Stage A35. At least a part of the image of the payment invoice is transmitted to a specialized remote server 51 for automatic recognition or to the operator’s automated workstation 5 for automatic or manual recognition, and from there, automatically or manually recognized data from the received payment invoice is sufficient for automatic payment transactions on the specified invoice for payment.

This can be done in one of two ways:

Step A351. The full image of the payment invoice is transmitted to a specialized remote server 51 for automatic recognition or to the operator’s workstation 5 for manual recognition by the operator of the entire image of the payment invoice.

Stage A352. At least a portion of the payment invoice image is transmitted to the operator’s automated workstation 5 for manual recognition by splitting the payment invoice image into a plurality of fragments, each of which is transmitted to the operator’s many automated workstations for manual recognition while maintaining the confidentiality of the recognized payment details.

After such a partition, all recognized fragments are collected back into one common document.

Stage A36. When checking for the presence of missing payment details in the existing database of payment details, an additional request is sent to external databases of 7 payment details. Additionally, an analysis is made of the field “Payment Details” in the payment details for its completion and compliance with the required formats, in the absence of data in the field “Payment Details” the necessary data is generated using external databases 7.

For this, it is possible to use third-party APIs (application programming interface), including the recipients of funds, to extract the missing information and / or update it, including modifying the amount payable (in particular, according to the TIN of the recipient of funds and data identifying a specific account, for example, UIN, or a specific consumer of goods / services / work, for example, a personal account or vehicle number.

Step A4 - Verification

Stage A41. After extracting the data, the payment type is checked against the payment type database 31 for which a certain identical set of payment details corresponds to

By the specified type:

Stage A42. Check the conformity of the formats of the received data and the sufficiency of data for the automatic conduct of the payment transaction on the specified invoice for payment, if the data is insufficient, then:

Stage A43. Check for the presence of 32 missing payment details in the existing database of open payment details or

Stage A44. Check for missing payment details in the existing database of successfully recognized payment accounts 33.

Stage A45. Check the correctness of payment details according to the rules for drawing up details and check digits.

That is, here, collectively, the formal validation of the values of all the collected parameters takes place according to the regularly updated rule base and their correction if necessary - some of the data is verified using open lists and other information sources (TIN, KPP, BIK, KBK, OKTMO and so on), some of the data passes verification of compliance with acceptable formats (valid characters and number of characters), part of the data is audited according to the prescribed banking and accounting rules, including using check numbers (in particular, nkovskie account).

It also determines one of the three levels of minimum sufficiency of a set of payment and personal data (commercial payment, budget payment or tax payment) and fills in, if possible and permissible, the missing data with relevant values for a particular day or provided for by default.

Also, as already described, it is possible to use your own directory of cash recipients and the data required for them (updated regularly based on the generated statistics of successfully recognized images and successfully made money transfers with received payment and personal data) to extract missing values or adjust existing values .

It is possible to use your own system of destination analysis in payment data and its formation, if there is no appointment or adjustment in case of insufficient data or format errors (based on the specific recipient of funds for his TIN, data about the payer or paid goods / services / work and instituted in a system of rules, the volume of which is regularly increasing).

The proposed method may allow the formation of payment assignments and automatically, and not just from external databases. For example, let’s say a specific payment belongs to the category “utilities / gas”. In this case, you can write: “Payment of gas for X to Y rubles. Z. Without VAT ”, where X is the recognized fragment of the image of the invoice for payment corresponding to the“ Period ”field or indicated the last actual month, for example,“ November ”, and Y is the recognized fragment of the image of the invoice for payment corresponding to the field“ Amount ”, or the client selected it manually, Z - the name of the client and / or his address (whichever is on the image of the invoice for payment).

In the same way, the proposed method can automatically add details to the missing data, sometimes assigning default values when the rules are known. This is especially true for tax payments. For example, it’s possible to automatically substitute the current month and year as the payment period, and you don’t even need to extract them from the payment invoice image.

Step A5 - Transfer of Recognized Validated Data

It is optionally possible to further use the payment data recognized at step A3 and verified at step A4.

Possible use cases

Stage A51. Transfer of high-quality (complete and verified) payment data for processing by third parties, in particular credit organizations, for example, using a processing server 6.

Stage A52. Self-processing them in order to complete the transfer of funds (by API for specific recipients of funds determined on the basis of TIN, with the recipients of funds, with relevant departments and systems or with specialized payment aggregators, where the format of the data used in transactions can be greatly simplified , or in the form of an interbank non-cash transfer of funds according to the details without opening an account in favor of any person - individual, legal or individual owner, where it is possible to use additional filtering or restrictive rules).

The sequence of steps is approximate and allows you to rearrange, reduce, add or perform some operations at the same time without losing the ability to recognize payment documents. For example, in the case of other supported graphic information (determined by the provided characteristic features, in particular specific visual trademarks or web addresses of Internet sites present in the images), the server may execute the logic laid down on the server to respond to a specific type and form image, including with recognition and use of data present on such an image (for example, consumer’s mobile phone number). Due to their features, such logics cannot be universalized; therefore, it is individually programmed in each case. In particular, shopping at online stores is automated, tickets to cinemas are booked and paid, taxis are called to certain places with postpay support upon the provision of services, the purchase and delivery of specific goods is ordered through the concierge service, and so on.

In addition, as the remote workplace of the operator can be used, as mentioned earlier, the payer himself with his client device 1.

Industrial applicability

The proposed method of recognizing payment accounts can be carried out by a specialist in practice, and when implemented, they provide the implementation of the declared purpose, which allows us to conclude that the criterion of "industrial applicability" for the invention is met.

In accordance with the proposed invention, an experimental system for recognizing payment invoices was made, including a client device 1, which was connected via an integrated network 2 to a remote server 3, which included:

- a base of types of invoices for payment 31,

- a database of open payment details 32,

- a database of successfully recognized payment bills 33,

- a database of payment invoice templates 34,

- keyword database 35.

The client device 1 was configured to scan or photograph, for example, the camera 11 of the invoice for payment 4, which may contain graphic encoded elements, for example a QR code.

Tests of the experimental system showed that it provides the ability to recognize payment invoices containing a QR code, as well as being a standard template (receipt of payment for services for using MGTS telephone), as well as being a non-standard account, but having fields, such as r / s , c / s, BIC, purpose and more. In addition, the recognition of the document, which was a handwritten account, was tested. An image of such an account was sent to the operator’s remote workstation, where it was manually recognized and sent to the server.

Also, in each case, an automatic verification of the correct recognition of characters and the sufficiency of data for automatic payment transactions was performed.

Thus, in this invention the goal is achieved - increasing the likelihood and reliability of recognition of various invoices for payment ..

An additional useful technical result of the claimed invention is that:

- there is an acceleration of the process of recognition of various payment accounts, since the recognition process is ranked by the speed of the recognition process from the fastest to the slowest,

- there is an increase in the likelihood and reliability of recognition of various invoices for payment only by their photographs or scan copies,

- the method allows you to immediately process the results for the intended purpose, i.e. initiate a specific transaction,

- the method allows you to recognize even documents written by hand,

- the method allows you to recognize both accounts for individuals and accounts for legal entities, and these are different types of accounts.

Claims (20)

1. A method of recognizing a payment invoice for automatic payment generation, in which: - receive the image of the invoice for payment on the client device, - transmit the specified image from the client device through the integrated network to a remote server, - form a payment order on the specified invoice for payment, characterized in that - pre-form a database of types of payment accounts, a database of open payment details and a database of successfully recognized payment accounts; - extract the payment data from the received invoice for payment, sufficient to automatically conduct a payment transaction on the specified invoice for payment, - after extracting the data, check the type of payment, which corresponds to a certain identical set of payment details, according to the specified type, using the database of types of accounts for payment - check the conformity of the formats of the received data and the sufficiency of data for the automatic conduct of a payment transaction on a specified invoice for payment, if there is insufficient data, - check the availability of missing payment details in the existing database of open payment details or - check for missing payment details in the existing database of successfully recognized payment documents, - check the correctness of payment details according to the rules for drawing up details and check digits. 2. The method according to claim 1, characterized in that the payment data is extracted from the received invoice for payment, for which - first, additionally form a database of templates for invoices for payment and a database of keywords, - determine the presence on the image of the invoice for payment of graphic encoded elements, if available, extract the full set of data sufficient to automatically conduct a payment transaction on the specified invoice for payment, if there are no indicated graphic encoded elements on the image or they cannot be recognized, then - determine whether the invoice for payment is a known template of invoices for payment, for which the image of the invoice for payment is compared with the images from the database of templates for invoices, if it is determined that the recognized payment document belongs to the already existing in the database of templates for invoices for payment, only those fragments of the image of the invoice for payment that are necessary for the automatic conduct of the payment transaction on the specified invoice for payment and which correspond to the specified template, if the invoice for payment is is an unknown template that is not in the database of payment invoice templates, or it cannot be recognized, then - determine the presence on the image of the invoice for payment of keywords characterizing the payment details from the database of keywords, in the case of determining such keywords, determine the fragments in the image of the payment document that correspond to the specified keywords, and in the absence or inability to determine the presence of keywords transmit at least a part of the image of the invoice for payment to a specialized remote server for automatic recognition or to the operator’s workstation for scientific recognition, and from there they receive automatically or manually recognized data from the received invoice for payment, sufficient to automatically conduct a payment transaction on the specified invoice for payment. 3. The method according to p. 2, characterized in that the complete image of the invoice for payment is sent to a specialized remote server for automatic recognition or to the operator’s workstation for automatic or manual recognition by one operator of the entire image of the invoice. 4. The method according to p. 2, characterized in that at least part of the image of the invoice for payment is transmitted to a specialized remote server for automatic recognition or to the operator’s workstation for automatic or manual recognition by dividing the invoice image into payment into many fragments each of which is transmitted to a variety of specialized remote servers for automatic recognition or automated workstations of operators for automatic or manual recognition Bani while maintaining the confidentiality of recognized payment details. 5. The method according to p. 1, characterized in that when checking the availability in the existing database of accounts for payment of missing payment details, an additional request is sent to external databases of payment details. 6. The method according to p. 1, characterized in that they additionally analyze the field "Payment Details" in the payment details for its completion and compliance with the required formats, in the absence of data in the field "Payment Details" generate the necessary data using external databases.

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