RU56685U1 - AUTOMATED AND BILLING SYSTEM FOR RECEPTION AND ACCOUNTING OF PAYMENT OF PENALTIES FOR VIOLATION OF ROAD TRAFFIC - Google Patents

Abstract

The utility model relates to the field of information technology, in particular to systems for transactions for the execution of operations to levy fines in the field of road safety.

The essence of the utility model is that the proposed system contains three payment terminals, servers of a settlement center, a bank of a settlement center, an issuing bank and an acquiring bank, and the exchange of signals between payment terminals and servers of a bank of a settlement center and a settlement center can be performed using wired and wireless modems, as well as using devices for transmitting data via the GSM network via GPRS.

The technical result obtained by using the utility model is to accelerate the movement of funds received from drivers who violated the rules of the road and paid a corresponding fine while ensuring an increase in the number of paid penalty receipts. The claimed system provides for the payment of a fine by the driver the possibility of using both bank credit cards and cash. Also, the technical result is the creation of a computer payment system that would include the hardware resources of banks with the possibility of making cashless transactions using mobile electronic communication devices, such as mobile phones or PDAs, based on existing payment systems transactions, without the need to open new accounts and without making special bank cards to pay fines for violators of traffic rules for making payments by offending drivers

traffic rules on mobile posts of road service.

Description

The technical field to which the utility model relates.

The utility model relates to the field of information technology, in particular to systems for transactions for the execution of operations to levy fines in the field of road safety.

The prior art.

The development of information technology has led to the emergence of a variety of cashless payment systems using electronic communication lines and computer network resources.

From the application FR 2634303, IPC G 01 F 7/10, published on 01/19/1990, there is a known system for collecting penalties for violation of traffic rules, including a card with a machine-readable storage medium, a device for inputting data about a violation in the card, and a device reading information from the card and a means of performing payment and / or registration operations, combined in one housing having two receiving slots for the specified form card and for the credit card with which payment is made.

From patent RU 2243590 C1, IPC G 06 F 17/60, published December 27, 2004, a system is known for performing penalties for violating traffic rules, including a card with a machine-readable storage medium, a device for reading information from the card, and also an input device for additional data in the card and means of execution and / or registration of payment transactions. Card reader device combined with

a device for inputting additional data into the card to the terminal of a traffic police officer, designed to record information about a violation of traffic rules, and the means of performing and / or registering payment transactions is a terminal of a place of payment, which is designed to record information about payment of a fine for specified violation.

The disadvantages of these systems is the need to provide each driver with a specific card, with the help of which payment and accounting of fines for violations of traffic rules will be made. For the commissioning of these systems, significant costs are required for the manufacture and distribution of these cards.

The closest analogue of this utility model is the invention according to patent RU 2263959 C1, IPC G 06 F 17/60, published on 10.11.2005, from which a system for carrying out cashless transactions is known, the first participant in the transaction being the driver of the vehicle, the second participant in the transaction - a representative of the road safety service, and a commercial proposal conditionally represents a fine for violation of traffic rules. In this case, through the central server of the system, a database of types of traffic violations and the corresponding fines is maintained, and the driver’s identification code is previously stored, and the driver’s identification code and the type index of the type of violation committed are transmitted to the central server of the system via the computer terminal traffic rules, and after entering the system from a mobile electronic communications device, its display shows t payable amount of the fine. The aforementioned

The driver’s identification code can be the number of his driver’s license. In all cases of the method, at least two accounts of the first participant in the transaction can be pre-registered in the central server of the system.

The disadvantages of the closest analogue include the creation of a central database containing information about all registered users of this system: driver identification codes, amount of fines, information about accounts in driver banks.

Utility Model Disclosure

The problem solved by the proposed utility model is to accelerate the movement of funds received from drivers who violated the rules of the road and paid a corresponding fine.

Another problem solved by the proposed utility model is to increase the number of paid penal receipts.

Also, the problem solved by the proposed utility model is to ensure that the system is available for drivers who violate the rules of the road, pay a corresponding fine, do not have bank credit cards, i.e. using cash.

These tasks are solved by the proposed system for receiving and accounting for the payment of fines.

The problem is solved due to the fact that the system for receiving and accounting for the payment of fines contains at least three payment terminals, as well as a settlement center server, an issuing bank server, an acquiring bank server, a settlement center bank server, and the first payment terminal is a stationary terminal for operations with bank cards and cash and

connected to a wireline modem of the first payment terminal, while the wireline modem of the first payment terminal is connected via a wireline to a wireline modem of the settlement center connected to the settlement center server and to a wireline modem of the settlement center bank connected to the settlement center bank server ; the second payment terminal is a stationary terminal for transactions with bank cards and cash and is connected to a wireless modem of the second payment terminal, while the wireless communication mode of the second payment terminal is connected via a wireless communication line to a wireless modem of the payment center connected to the server of the payment center , and with a wireless modem of a settlement center bank connected to a settlement center bank server; the third payment terminal is a mobile terminal for transactions with bank cards and is connected to the GSM-GPRS modem of the third payment terminal, and the GSM-GPRS modem of the third payment terminal is connected via a GSM operator network to the GSM-GPRS modem of the settlement center connected to the settlement center server , and with the GSM-GPRS modem of the settlement center bank connected to the settlement center bank server, in addition, the issuing bank server, the acquirer bank server, and the settlement center bank server are computer-connected a network for the exchange of signals for acknowledgment and banking transactions, and billing center server connected to the communication link from the settlement bank server center.

The technical result obtained by using the utility model is to accelerate the movement of funds received from drivers who violated the rules of the road and paid a corresponding fine while ensuring control and, due to

this, an increase in the number of paid penal receipts. The claimed system has enhanced functionality due to the fact that it provides for the use of bank credit cards and cash when paying a fine by the driver. Also, the technical result is the creation of a computer payment system that would include the hardware resources of banks with the possibility of making cashless transactions using mobile electronic communication devices, such as mobile phones or PDAs, based on existing payment systems transactions, without the need to open any new “virtual” accounts and without making special bank cards to pay fines for the offender and rules of the road to make payments by drivers - violators of traffic rules on the road traveling positions and inspection service. This result is currently not achieved using known means or is not being achieved effectively enough.

Brief Description of the Drawings

The utility model is illustrated in the drawing, which shows the claimed system for receiving and accounting for the payment of fines.

Utility Model Implementation

The system for receiving and accounting for the payment of fines contains at least three payment terminals 1, 3, 5, as well as a settlement center server 12, an issuing bank server 15, an acquiring bank server 16, a settlement center bank server 14. The first payment terminal 1 is a stationary terminal for operations with bank cards and cash and is connected to a wireline modem 2

the first payment terminal, while the wireline modem 2 of the first payment terminal is connected via a wired communication line to the payment center wire modem 7 connected to the payment center server 12, and to the payment center bank wire modem 9 connected to the payment center bank server 14 ; the second payment terminal 3 is a stationary terminal for transactions with bank cards and cash and is connected to the wireless modem 4 of the second payment terminal. In this case, the wireless modem 4 of the second payment terminal is connected via a wireless communication line to the settlement center wireless modem 8 connected to the settlement center server 12 and to the settlement center bank wireless modem 10 connected to the settlement center bank server 14. The third payment terminal 5 is a mobile terminal for transactions with bank cards. The mentioned terminal 5 is connected to the GSM-GPRS modem 6 of the third payment terminal, and the GSM-GPRS modem 6 of the third payment terminal is connected via a GSM operator network to the GSM-GPRS modem 17 of the billing center connected to the server 12 of the billing center and to GSM-GPRS a bank modem 11 of the settlement center connected to the server 14 of the settlement center bank. In addition, the server 15 of the issuing bank, the server 16 of the acquiring bank, and the server of the bank of the settlement center 14 are interconnected by a computer network 13 for exchanging signals for conducting and confirming a bank transaction, and the server of the settlement center 12 is connected by a communication line to the bank server Settlement Center 14.

The first payment terminal 1 has a monitor screen located on its housing for displaying information necessary for making a payment, a keyboard for entering a credit card pin code

driver, payment amount (fine), etc., as well as two receivers (slots): one for receiving credit cards and the second for cash (bill acceptor). In addition, the payment terminal 1 includes a printing device (printer) for printing receipts for payments. In this case, the first payment terminal 1 is configured to connect it to a modem and / or computer and connected to a wireline modem 2 for transmission via a wireline connection to the server 12 of the settlement center of the transaction start signal, including payment information (type of payment, amount , information about the driver’s account and his credit card).

When making a credit card payment after the driver invests his credit card in the corresponding slot of the first payment terminal 1 and the driver confirms the payment using the keyboard of the first payment terminal 1, the transaction (payment) is initiated to pay the fine for violation of traffic rules, and this the signal of the beginning of the transaction is transmitted to the modem of the server of the bank of the settlement center for further transmission of this signal of the beginning of the transaction to the server EP 15 of the issuing bank of the driver. At the same time, information on the amount and type of payment (fine) is displayed on the screen of the first payment terminal. The modem 10 of the wire connection of the bank of the settlement center, depending on the type of modem of the wire connection, is connected to the server 14 of the bank of the settlement center using a cable to one of the following connectors: COM, LPT, USB, FireWire, etc.

Upon receipt of a signal that the transaction begins to be sent to the server 14 of the bank of the settlement center connected to the computer network for exchanging signals for conducting and confirming bank transactions, it initiates a standard authentication transaction by sending the signal of the authentication request to the server 15 of the issuing bank,

at the same time, a connection is established between the driver (holder of the payment card) and the server 15 of the issuing bank. The driver enters the credit card data using the keyboard of the first payment terminal 1, informing the issuing bank server 15 of the bank card data and its own authentication data, the issuing bank verifies the specified data, and then informs the server of the settlement center bank 14 of the possibility of payment. If the server 15 of the issuing bank confirms the authentication of the client, authorization of the payment transaction is initiated. Upon successful completion of the authentication operation, the server 16 of the driver’s acquirer bank sends a signal to the server 14 of the settlement center bank about the legality of the initiated transaction. Moreover, all information contained in the signals transmitted through the server 14 of the bank of the settlement center is logged, i.e. stored on the server of the bank of the settlement center or on an external storage device connected to the server of the bank of the settlement center. Information about a successfully completed transaction is transmitted from the server 14 of the bank of the settlement center to the server 12 of the settlement center via a wired and / or wireless communication line.

When making a cash payment, after the driver invests cash in the bill acceptor of the first payment terminal 1 and the driver confirms the payment using the keyboard of the first payment terminal 1, the start of the transaction (payment) is initiated, and the signal to start the transaction is transmitted to the modem of the settlement center. At the same time, information on the deposited cash amount and type of payment is displayed on the screen of the first payment terminal. The billing modem 7 of the billing center is connected to the billing server 12 of the billing center using a cable to one of the following connectors (depending on the type of the wired modem): COM, LPT, USB, FireWire, etc. So the signal

the beginning of the transaction goes to the server 12 of the settlement center. If the information contained in the signal for the start of the transaction corresponds correctly, the settlement center server 12 sends a signal to the successful completion of the transaction to the first payment terminal 1 and the settlement center bank server 14. The signals received and sent by the server 12 of the settlement center are logged, i.e. stored on the server of the billing center or on an external storage device connected to the server of the billing center.

The second payment terminal 3 has a monitor screen located on its body for displaying information necessary for making a payment, a keyboard for entering the driver’s credit card pin code, payment amount (fine), etc., as well as two receivers (slots): one for receiving credit cards and the second for cash (bill acceptor). In addition, the payment terminal 3 includes a printing device (printer) for printing receipts for payments. The second payment terminal 3 is configured to connect it to a modem and / or computer and connected to a wireless modem 4 for wireless transmission to the server 12 of the settlement center of the transaction start signal, including payment information (type of payment, amount, information about the driver’s account and his credit card). The wireless modem 4 of the second payment terminal 3 includes an antenna.

When making a credit card payment after the driver invests his credit card in the corresponding slot of the second payment terminal 3 and the driver confirms the payment using the keyboard of the second payment terminal, the transaction (payment) is initiated to pay the fine

for violation of traffic rules, and this signal of the beginning of the transaction is transmitted to the wireless modem 10 of the server of the bank of the settlement center. At the same time, information on the amount and type of payment (fine) is displayed on the screen of the second payment terminal. The wireless modem 10 of the server of the bank of the settlement center includes an antenna and, depending on the type of wireless modem, is connected to the server of the bank of the settlement center using a cable to one of the following connectors: COM, LPT, USB, FireWire, etc.

Further exchange of signals between the second payment terminal 3 and other devices of the proposed system occurs similarly to the exchange of signals between the first payment terminal 1 and other devices of the claimed system using instead of wire modems wireless modems connected to the corresponding devices (servers).

The third payment terminal 5 contains a portable credit card reader with a slot for inserting a credit card, a keyboard for entering a driver’s credit card pin code, payment amount (fine), etc., as well as a display for displaying information necessary for making a payment moreover, the third payment terminal 5 is connected to a portable personal computer and / or handheld personal computer (PDA), as well as a GSM-GPRS modem of the third payment terminal (if the mentioned personal and pocket computer The users are not equipped with a device for transmitting data via the GSM network via GPRS).

When making a payment through the third payment terminal 5, after reading out the driver’s credit card by a portable credit card reader and confirming the payment by the keyboard of the third payment terminal 5, the transaction (payment) is initiated by

repayment of the fine for violation of traffic rules, and this signal of the start of the transaction is transmitted via GSM-GPRS modem 6 of the third payment terminal via the GSM network to the GSM-GPRS modem of the third server of the settlement center bank 11 connected to the settlement center bank server and thus this signal gets to the server of the bank of the settlement center 14. At the same time, the information on the amount and type of payment (fine) is displayed on the screen of the third payment terminal 5. The GSM-GPRS modem of the third server of the bank of the settlement center 11, depending on the type of this device, is connected to the server 14 of the bank of the settlement center using a cable to one of the following connectors: COM, LPT, USB, FireWire, etc.

Further exchange of signals between the third payment terminal 5 and the server 14 of the settlement center bank occurs similarly to the exchange of signals between the first payment terminal and other devices of the proposed system, using instead of wire modems, devices for transmitting data via the GSM network via GPRS connected to the corresponding devices (servers) .

Claims (5)

1. The system for receiving and accounting for the payment of fines includes at least three payment terminals, as well as a settlement center server, an issuing bank server, an acquirer bank server, a settlement center bank server, the first payment terminal being a stationary terminal for operations with by bank cards and cash and connected to a wire modem of the first payment terminal, while the wire modem of the first payment terminal is connected via a wire line to the wire modem etnogo center connected to a clearing center server, and a wired communication modem bank settlement center, the settlement center connected to the bank server; the second payment terminal is a stationary terminal for transactions with bank cards and cash and is connected to a wireless modem of the second payment terminal, while the wireless communication mode of the second payment terminal is connected via a wireless communication line to a wireless modem of the payment center connected to the server of the payment center , and with a wireless modem of a settlement center bank connected to a settlement center bank server; the third payment terminal is a mobile terminal for transactions with bank cards and is connected to the GSM-GPRS modem of the third payment terminal, and the GSM-GPRS modem of the third payment terminal is connected via a GSM operator network to the GSM-GPRS modem of the payment center connected to the server of the payment center , and with the GSM-GPRS modem of the settlement center bank connected to the settlement center bank server, in addition, the issuing bank server, the acquirer bank server, and the settlement center bank server are computer-connected a network for the exchange of signals for acknowledgment and banking transactions, and billing center server connected to the communication link from the settlement bank server center. 2. The system for receiving and paying fines according to claim 1, characterized in that the first payment terminal contains a monitor screen located on its housing for displaying the information necessary for making a payment, a keyboard for entering the driver’s credit card pin code, the amount of the fine, and two slots: the first slot for receiving credit cards and the second slot for cash, as well as the first payment terminal includes a printing device (printer) for printing receipts for payments made. 3. The system for receiving and paying fines according to claim 1, characterized in that the second payment terminal comprises a monitor screen located on its housing for displaying the information necessary for making a payment, a keyboard for entering the driver’s credit card pin code, the amount of the fine, and two slots: the first slot for receiving credit cards and the second slot for cash, and the second payment terminal includes a printing device (printer) for printing receipts for payments made. 4. The system for receiving and paying fines according to claim 1, characterized in that the third payment terminal comprises a portable credit card reader, having a slot for inserting a credit card, a keyboard for entering a driver’s credit card pin code, a fine amount, and a display to display the information needed to make a payment. 5. The system for receiving and paying fines according to claim 1, characterized in that the first payment terminal comprises a monitor screen located on its housing for displaying information necessary for making a payment, a keyboard for entering a driver’s credit card pin code, a fine amount, and two slots: the first slot for receiving credit cards and the second slot for cash, and the first payment terminal includes a printing device (printer) for printing checks for payments made, in addition, a second payment terminal there is a monitor screen located on its body for displaying information necessary for making a payment, a keyboard for entering the driver’s credit card pin code, a fine, and two slots: the first slot for receiving credit cards and the second slot for cash, as well as the second the payment terminal includes a printing device (printer) for printing receipts of payments made, and the third payment terminal includes a portable credit card reader, having a slot for inserting a credit card mouths, a keyboard for entering the pin code of the driver’s credit card, the amount of the fine, as well as a display for displaying the information necessary for making the payment.