RU2660603C2 - Modular server of the system of payment and communication connections for servicing of customers in commercial transactions (options) - Google Patents

Abstract

FIELD: wireless communication equipment.

SUBSTANCE: invention relates to modular servers of the system of payment and communication connections for servicing of customers in commercial transactions. Modular server comprises the central control unit associated with the applications and/or orders implementation unit configured to automatically offer to the purchaser the issue of a covered letter of credit and the ability to make a payment or the settlement by issuing a covered letter of credit, and the applications and/or orders formation unit, executed with the possibility of transferring funds from the buyer’s settlement account to the seller's settlement account, and the unit of sending request and of receiving data from the information provider and/or the seller's rating, executed with the possibility of forming a seller's rating, the information provider and/or seller's rating server associated with the unit of sending request and of receiving data from the information provider and/or seller's rating.

EFFECT: increase the speed of operations.

2 cl, 1 dwg

Description

The claimed invention relates to equipment (systems) for financial servicing of bank customers and can be used in commercial transactions at a financial institution or through Internet sites and the Buyer obtains reliable and complete information about the Seller’s rating with minimal time and financial costs.

The prior art electronic banking guarantee system, comprising computer devices connected via intra-system communication channels to a local area network in a local area network, communicates via the global information and communication medium Internet communication channels with an electronic trading system such as busness-to-busness (B2B) and / or busness-to-government (B2G), for example, the main server of the System (B) and the personal computers of the operators of Certification Authorities for issuing digital signatures, the personal computers of operators of guarantee banks, client computer network (organizers of trading procedures and participants in trading procedures), and the system includes: a computing unit for generating electronic documents and electronic document management EBG, a computing unit for the equivalence conditions for electronic signature of a handwritten signature, a computing unit for confirming and cryptographic protection of electronic signature certificates, a personal computer forming together with the server of the EBC System an automated workstation (AWS) of the integrated reporting of EBC, the computing unit of the device for generating and storing databases of the EBG System, the electronic unit for switching intra-system communication channels (see RF patent No. 81824 for utility model “Electronic Bank Guarantee System”, filing date 23.10.2008, published 03.27.2009).

There is a known system for selling goods or services over telecommunication networks that allows the buyer to choose a product or service with minimal time and money, with the possibility of realizing the possibility of participation in the tender for all registered sellers. A system in which the server of the tender organizer includes a primary familiarization unit connected to the application processing unit, including a filter connected to the unit divided into two parts, one of which is the contact information unit connected to the interaction pair determination unit, and the notification generation unit, the formation of the rating of sellers of goods or services and the unit for determining the pair of interaction, the notification unit has connections with the server of the buyer and the server of the seller of goods or services, connected, in turn, with the complaint receiving unit, while the complaint receiving unit is connected to the sellers or service sellers rating forming unit connected to the primary acquaintance unit and to the client database unit connected to the filter, the seller of goods or services server also has connection with the proposal processing unit connected to the central control unit, and the customer’s server with the interaction pair determination unit connected to the central control unit (see RF patent No.66566 for utility model “System for the sale of goods or services over telecommunication networks”, filing date March 20, 2007, published September 10, 2007).

In addition, the prior art system of corporate communications, including a single system server and user workstations equipped with PCs that can connect to a single system server via the Internet, while a single system server includes the following interconnected units: a central control unit, which at the output is connected with the rating formation unit; block forming a rating, which at the input is connected with the Central Bank; a commercial transaction application generating unit containing a filter; a unit for storing information about users and companies, and the system additionally includes the following blocks: a unit for generating a response to an application, which at the input is connected to the unit of individual information for the user, and at the output, to the Central Bank; a block of individual information for the user (buyer or supplier), who is connected to the Central Bank at the input, and at the output, to the negotiation unit and to the unit for generating a response to the application; a negotiation unit, which at the input is connected to the unit of individual information for the user, and has two-way communication with the Central Bank; a block of requests for the reputation of a potential buyer or supplier, which at the output is connected with the block for rating formation and with the CBU; and the following blocks are made: the rating formation block is additionally connected at the output with the Central Bank; the unit for generating an application for a commercial transaction containing a filter is connected to the Central Bank at the output; the central control unit is additionally connected at the entrance to the unit for generating an application for a commercial transaction, with the unit for forming the rating, with the unit for generating a response to the application, with the unit for negotiating, and at the exit with the unit for individual information for the user (see RF patent No. 102125 “ Inter-corporate communications system (options) ”, submission date 06/28/2010, published 02/10/2011).

The disadvantages of these technical solutions are due to the cumbersome design due to the presence of a large number of system elements and numerous interconnections between them, which leads to a decrease in the speed of operational work and an increase in the complexity of the operations performed. In addition, well-known solutions are unreliable in establishing communication between the Buyer and the Seller and do not have the ability to provide the buyer with information about the rating of the potential Seller from the supplier of this information.

The closest technical solution to the claimed invention is a system of payment and communication links for remote customer service, including a seller rating formation unit, a single system server and associated computer devices (workstations) interacting with the internal channels of the intra-system communication in the local information and payment network, with each other over the wireless channels of the Internet, while a single server contains interconnected central bloc to the management (CBU), an application / order generation unit, an information storage unit, a response generation unit, wherein the rating generation unit is a server of an independent provider of information and / or Seller ratings connected to a single server in which the request direction unit is combined receiving a response from an independent information provider and generating a notice, two-way communication connected to the central control unit, interacting with the block of recommendations and / or tips and the block generation of applications and / or instructions, made with the possibility of automatically making an offer to the Buyer to issue a covered letter of credit related to the information storage unit, which, in turn, is connected to the template for generating future operations, while the information storage unit and template generation unit have two-way communication with a unit for generating applications and / or instructions, which is equipped with a quick access button, and the information storage unit contains data on operations performed (patent No. 252430 for the invention e “System of payment and communication links for remote customer service”, submission date 02.12.2014, published 01.10.2016).

The disadvantages of this solution also include numerous interconnections and joints between electronic components, which leads to an increase in the load of connections, reduces the quality of the processed information, the speed of its processing and transmission.

In addition, the system is cumbersome.

The technical result, the achievement of which the claimed invention is directed, is to ensure the efficiency and speed of the operation and, as a result, increase the speed of the system of payment and communication communications.

The indicated technical result according to the first embodiment is achieved by the fact that the modular server of the payment and communication system for servicing customers in commercial transactions, comprising a central control unit associated with the automatic execution of an offer to the Buyer of the issue of a covered letter of credit for the block for the implementation of applications and / or orders and two-way communication connected to the block for the formation of applications and / or orders and the filtering block for sending a request, received According to the invention, the unit for generating applications and / or instructions is configured to generate an application for a financial transaction, namely, for transferring funds from the buyer's settlement account to the seller’s settlement account, and the block for the implementation of applications and / or instructions is made with the ability to make a payment or settle by issuing a covered accreditation In this case, the server of the seller of information and / or the Seller’s rating is part of a modular server and is connected via a two-way communication with the block for sending a request, receiving data from the supplier of information and / or the Seller’s rating, the central control unit for two-way communication is connected to the block for the implementation of applications and / or orders and a block for sending a request, receiving data from a provider of information and / or a Seller’s rating, a block for sending a request, receiving a response from a provider of information and / or a rating for a Seller and generating a notification fln with the possibility of forming the Seller’s rating, while the financial and credit institution serves as a provider of information and / or the Seller’s rating.

The indicated technical result according to the second embodiment is achieved by the fact that the modular server of the payment and communication system for servicing customers in commercial transactions, comprising a central control unit associated with the automatic execution of the offer to the Buyer of the issue of a covered letter of credit for the block for the implementation of applications and / or orders and two-way communication connected to the block for the formation of applications and / or orders and the filtering block for sending a request, received tions data from a content provider and / or seller ratings and formation of notification interacting with the contents provider server and / or seller ratings,

according to the invention, the unit for generating applications and / or orders is made with the possibility of generating an application for a financial transaction, namely, for transferring funds from the Buyer's settlement account to the Seller’s settlement account, and the block for the implementation of applications and / or instructions is made with the ability to make payment or settle with by issuing a covered letter of credit, the server of the information provider and / or the Seller’s rating is part of a modular server, connected to the remote server of the information provider and / or rating and the Seller and two-way communication are connected with the block for sending a request, receiving data from the provider of information and / or the Seller’s rating, the central control unit for two-way communication is connected with the block for implementing orders and / or instructions and the block for sending requests, receiving data from the supplier of information and / or rating The Seller, the block for sending a request, receiving a response from the provider of information and / or the Seller’s rating and generating a notification is made with the possibility of forming the Seller’s rating, while as a supplier For information and / or Seller Ratings choose an independent supplier or specialized commercial institutions, the data of which come via the Internet.

The server of the provider of information and / or the rating of the Seller also serves to receive updates to the database and software.

The claimed technical solution is illustrated by the drawing, which shows a block diagram of a modular server system of payment and communication links for customer service in a financial institution.

The modular server is a part of the system of payment and communication links for servicing clients when carrying out commercial transactions, for example, at a financial and credit institution or through trading sites of the Internet, which includes software content, a database, and related equipment, which connect interconnected intra-system communication channels to the local network of at least one Buyer's computer device (not shown in the drawing) connected to the modular server via wire th and / or wireless Internet. The central control unit 1 (CBU), the unit for generating orders and / or orders 2, the unit for sending a request, receiving data from the information provider and / or the Seller’s rating 3, configured to generate the Seller’s rating, the unit for selling applications and / or of instructions 4, executed with the possibility of automatically making an offer to the Buyer to issue a covered letter of credit, as well as the server of the seller of information and / or the Seller’s rating 5. In this case, the unit for generating applications and / or instructions 2, the block for ION request, receiving data from a content provider and / or seller ratings associated with the central control unit 1, two-way communication. The block for the implementation of applications and / or instructions 4 has one-way communication with the Central Bank.

The unit for generating an application and / or order 2 may be equipped with a quick access button.

All the elements that make up the modular server according to the first embodiment are interconnected by wire links.

In the case when an independent supplier is selected as a supplier, updates from which are received at a predetermined frequency, or specialized retail networks, the data of which are received via the Internet, block 5 is connected to a remote server (not shown) of such an information provider and / or Seller ratings.

From block 3, information about the Seller comes to CBU 1, which, after receiving such information, offers the Buyer several options for further actions, namely: refuse to pay, make a payment, pay by issuing a covered letter of credit.

In the filter containing block for sending a request, receiving data from the seller’s information and / or the Seller’s rating, forming the Seller’s rating 3 due to the information provided by the supplier and / or the Seller’s rating, information is “extracted” from the Buyer's payment order, for example, the TIN number is highlighted, as well as encoding the request, sending the request to the server of the provider of information and / or rating 5, receiving a response from it, decoding the received message and transmitting the received data to Central B Control lock 1. Formation of a request, transmission, receipt of a response, and decoding takes place in a period not exceeding 15 seconds. At the same time, two-way communication between blocks 5 and 3 and block 3 and CPU 1 allows you to reduce the operation to a few seconds, which increases the speed of the entire system.

In CBU 1, an automatic offer to the Buyer is issued for the issue of a covered letter of credit, and in the block for the implementation of applications and / or instructions 4, in which all financial transactions are carried out, operations are carried out, including the issue of a covered letter of credit.

Encryption of external communication channels - HTTPS. Authorization of external communication channels - asymmetric public key encryption with the addition of so-called access tokens. Storage - NPM (google Arp Engine Hight Replication data Storage). Implementation of the entire platform on go-lang (http://golang.org).

The implementation of the invention is confirmed by examples of specific performance.

The system proposed for protection works as follows.

System users: Administrators - bank employees and Buyers - individuals and legal entities, the servicing of which according to the agreement is carried out in this financial and credit institution - the bank.

Due to the use of the global Internet and / or its analogue, Buyers and Administrators gain access to the working blocks of the system, and each of the users can use the services of the entire system and receive information from each block separately. The workplace is equipped with a personal computer or its analogue in the form of a laptop, tablet computer, cell phone with a corresponding web browser.

The use of the system begins in the block for the formation of applications and / or instructions 2, in which the Buyer forms an application for a financial transaction, namely for transferring funds from the Buyer's settlement account to the Seller’s settlement account, filling in all the fields proposed, including the TIN (Individual Taxpayer Number) field ) After the application is generated, it arrives at the Central control unit 1, where it is checked for the correctness of filling in the fields and in case of correct completion, the CBU sends a notification about this back to the application generation unit 2, in which it is assigned a status, for example, “in processing ". The processed data is sent to the block for sending a request, receiving data from the supplier of information and / or the Seller’s rating, forming the Seller’s rating 3, which is created by the information provided by the supplier and / or the Seller’s rating, after which the request is sent to block 5. A response containing information about Seller’s rating, comes from block 5 to block 3, in which it is decrypted and interpreted, and a notification is generated that arrives at CBU 1.

After that, depending on the information received by the Central Bank 1, the following options for the following actions can be implemented:

Example No. 1

If the Seller’s rating is high (and this corresponds to a low level of risk for the Buyer), then the application / order is sent to confirm the execution of the operation to the Buyer and in the case of receiving a positive decision from him and entering, for example, an existing password, or an electronic signature, or another means of authentication is sent to the block for the implementation of the application / instruction 4, where it is executed. Then, information about the executed application / instruction arrives at the application / instruction formation unit 2, where the status of the application changes to “executed”.

Example No. 2

If the Seller’s rating is low (that is, the risk level is increased), then the application / instruction is sent to confirm the execution of the operation to the Buyer in the block for applications / instructions 2, which inform the Buyer about such a low rating indicator (risk level) of the Seller and offer there are three options to choose from:

1) refuse to pay to this Seller;

2) settle accounts with the Seller by issuing a covered letter of credit;

3) make a payment.

Example 2 a

When choosing the first option (to refuse payment) of actions, the Buyer's request / order receives the status “canceled”.

Example 2 b

When choosing the second option for the operation (to settle accounts with the Seller by issuing a covered letter of credit), the Buyer’s application / order in the application / order generation unit 2 changes to the application / order to issue the letter of credit. Subsequently, the filled-out application arrives at the Central Control Unit (CBU) 1, where it is checked for the correctness of filling in all the fields, after which it is sent to confirm the Buyer's execution and if he receives a positive decision and enters, for example, a password, or an electronic signature, or another means of authentication is sent to the block for the implementation of the application / instruction 4, where it is executed. The information enters the block for the formation of applications / instructions 2, where the status of the application changes to “completed”.

Example 2 in

When choosing the third option, the application / instruction after confirming the operation by entering the password, or electronic signature, or other means of authentication by the Buyer is sent for execution to the block for the implementation of applications / instructions 4, where it is executed. Information about the executed application / instruction is sent to the block for the formation of applications / instructions 2, where the status of the application changes to “executed”.

Example 3

In the particular case of the implementation, verification of the rating of possible Sellers can be carried out without generating an application / order for transferring funds, and by activating the quick access button in the application / order generation unit 2. In this case, information about the Seller's TIN number is sequentially sent to CBU 1, then, to the block for sending a request, receiving data from the information provider and / or the Seller’s rating, forming the Seller’s rating 3, and after interpreting it and generating a notice, the processed information in fraternally passes through the central control unit and is delivered to the User in the application / order formation unit.

Thus, having received information on the rating of the Seller - a potential partner and, accordingly, on the level of possible risk, the Buyer can pre-evaluate and predict his risks when working with a specific organization.

Due to the ability to quickly obtain information, the Buyer can reduce the time costs associated with the formation of the application, and quickly obtain reliable data on the seller’s rating, as well as assess their potential commercial and reputational risks. In addition, the Buyer has the opportunity to expand information about the reliability and financial stability of the Seller when the Buyer prepares a decision on the possibility of concluding a transaction (contract) and / or when making a direct payment in favor of this Seller, which leads to a reduction in financial losses from business entities.

An increase in functionality leads to an increase in the use of such a financial and payment instrument as a “letter of credit”, both in quantitative terms (an increase in the number of letters of credit issued and, accordingly, in the total amount of letters of credit issued), and in qualitative terms, it is possible to prevent the Buyer's reputation risks associated with failure to fulfill / improper performance of obligations on the part of the Seller. The invention can be used in commercial transactions in a financial institution and / or through trading sites on the Internet.

Claims (2)

1. A modular server of a payment and communication system for servicing clients in commercial transactions, comprising a central control unit associated with the automatic execution of an offer to the Buyer to issue a covered letter of credit unit for the implementation of applications and / or orders and two-way communication connected to the application generation unit and / or instructions and a filter containing block for sending a request, receiving data from the information provider and / or the Seller’s rating and is formed ia a notice interacting with the server of the provider of information and / or the Seller’s rating, characterized in that the block for generating applications and / or instructions is made with the possibility of generating an application for a financial transaction, namely, to transfer funds from the buyer's settlement account to the seller’s settlement account, and the block for the implementation of applications and / or instructions is made with the ability to make a payment or settle by issuing a covered letter of credit, the server of the provider of information and / or the Seller’s rating is included in av a modular server and two-way communication is connected with the block for sending a request, receiving data from the supplier of information and / or the Seller’s rating, the central control unit for two-way communication is connected with the block for implementing orders and / or instructions and the block for sending a request, receiving data from the information provider and / or the Seller’s rating, the block for sending a request, receiving a response from the information provider and / or the Seller’s rating and generating a notification is made with the possibility of forming the Seller’s rating, while as the provider of information and / or rating of the Seller is a financial institution. 2. A modular server for a payment and communication system for servicing customers in commercial transactions, comprising a central control unit connected to an automatic bid proposal for the buyer to issue a letter of credit covered by the block for the implementation of applications and / or orders and two-way communication connected to the block for generating applications / or instructions and a filter containing block for sending a request, receiving data from the information provider and / or the Seller’s rating and is formed ia a notice interacting with the server of the supplier of information and / or the Seller’s rating, characterized in that the block for generating applications and / or instructions is configured to generate an application for a financial transaction, namely, to transfer funds from the Buyer's settlement account to the Seller’s settlement account, and the block for the implementation of applications and / or instructions is made with the ability to make a payment or settle by issuing a covered letter of credit, the server of the provider of information and / or the Seller’s rating is included in av of a modular server, connected to a remote server of the seller of information and / or the Seller’s rating and is connected by a two-way communication with the block for sending a request, receiving data from the supplier of information and / or the Seller’s rating, the central control unit for two-way communication is connected to the block for the implementation of applications and / or orders and a unit for sending a request, receiving data from a provider of information and / or a Seller’s rating, a block for sending a request, receiving a response from a provider of information and / or a rating for a Seller and notified I is configured to generate the Seller's rating, while as a supplier of information and / or ranking is selected Vendor vendor independent or commercial establishments specialized, which receives data from the Internet.

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