RU63150U1 - SYSTEM FOR PAYMENT AND MONEY OPERATIONS BETWEEN SUBSCRIBERS OF NETWORKS ONE AND MORE MOBILE OPERATORS - Google Patents

Abstract

The utility model relates to the field of information technology and the design of systems for conducting cashless financial transactions and other settlements, in particular to systems for making payments and money transfers using mobile electronic communication devices, and can be used to organize the implementation of various types of settlement and monetary transactions between network subscribers of one or more different mobile operators. The system includes mobile phones of subscribers of various telecom operators connected to a single settlement network. What is new is that within the network of each of the telecom operators there is a separate settlement and coordination center, and the system is additionally equipped with a gateway main settlement and coordination center, connected to the settlement and coordination center of each of the telecom operators into a single settlement network. The utility model is aimed at expanding the functionality of the system, allowing to carry out settlement and monetary operations, including payments and money transfers, both between subscribers within one separate mobile operator and between subscribers of different mobile operators.

Description

The utility model relates to the field of information technology and the design of systems for conducting cashless financial transactions and other settlements, in particular to systems for making payments and money transfers using mobile electronic communication devices, and can be used to organize the implementation of various types of settlement and monetary transactions between network subscribers of one or more different mobile operators.

A known system for conducting cashless payments (see the description of the invention to the patent of the Russian Federation No. 2263346, class G06F 17/60, G07F 19/00, 2002.12.17), designed to increase the degree of protection against unauthorized access and containing the processing center of the bank, processing center the seller, the means of generating the service request, as well as the personal mobile means of communication of the buyer and the center of identification of subscribers of the network interconnected with them through the communication network.

The disadvantage of this technical solution is the significant complexity of the system and the limited possibilities of its use for real-time money transfers.

The closest technical solution to the claimed, adopted as the closest analogue of the prototype, is a system for

the implementation of settlement and monetary operations between subscribers of a mobile communication network, used in the method of conducting electronic games at cash rates according to the patent of the Russian Federation for invention No. 2235360, cl. G06F 17/60, A63F 9/24, publ. 08/27/2004, containing the credit and settlement authority of the mobile communication network and the mobile phones of the subscribers of the operator of the network connected to it and intended to perform the relevant settlement and monetary operations by means of the automated transfer of funds from the account to the account of network subscribers.

The disadvantage of the closest analogue (prototype) is the limited functionality of the known system with respect to its use (impossibility of its use) for the implementation of settlement and monetary transactions between subscribers of various mobile operators.

In addition, the disadvantage of the prototype is the difficulty of making settlements between subscribers within its own network and the need to allocate additional costs for opening individual accounts of subscribers of the network in a specially provided credit and payment institution and the costs of creating an actual credit and payment institution.

The utility model is aimed at eliminating the shortcomings of the closest prototype analogue, and, first of all, at expanding the system’s functionality, which allows performing settlement and monetary operations, including payments and money transfers, both between subscribers within one separate mobile operator and - between subscribers of various mobile operators.

At the same time, the task of creating a universal multi-purpose system for carrying out settlement and monetary operations between network subscribers, combining almost any number of mobile operators, while simultaneously significantly increasing

convenience, to facilitate and simplify the execution of various types of settlements, including money transfers, both between subscribers within one separate mobile operator and between subscribers of different mobile operators, regardless of whether they (subscribers) are legal entities or individuals .

This is achieved by the fact that in the proposed system for carrying out settlement and monetary operations between subscribers of the networks of one or more mobile operators connected via personal communication devices in the form of mobile phones of subscribers, in contrast to the closest analogue (prototype), inside the network of each of the communication operators a separate settlement and coordination center is provided, made in the form of an intranet coordination computer interconnected with the electronic database of subscribers of the network of a given telecom operator, the system is additionally equipped with at least one gateway main settlement and coordination center, made in the form of a computer device for electronic payments, connected to the settlement and coordination center of each of the communication operators in a single settlement network, and settlement and coordination centers of the above-mentioned operators communications of a single settlement network are interconnected by means of their intranet computers and equipped with pre-formed intranet settlement accounts, each of which is in the form of the corresponding subscriber account settlement clearing house within its mobile operator.

In practice, the gateway main settlement and coordination center, in its technical essence, is a computer device for electronic payments, for example, using a Bank-Client system, for example, using appropriate software.

Inter-network coordination computers of telecom operators are mainly designed to monitor the status of subscriber

accounts within telecom operators and control over the movement of funds within telecom operators from one subscriber account to another.

At the same time, the intranet coordination computer of the settlement and coordination center of each of the operators of the single settlement network, as well as the computer device for electronic payments as part of the internetwork of the main settlement and coordination center, are equipped (in a known manner) with the appropriate software (set of programs), and in practice personal computers with an appropriate set of standard multi-function computers can be used as intranet coordination computers media tools.

The intranet coordination computer software is generally a set of interconnected programs that allow you to transfer funds from one subscriber account to another within a given operator in the process of a specific monetary settlement operation.

The most common embodiment of the system for carrying out settlement and monetary operations between network subscribers of one or more mobile communication operators is a constructive solution in which personal communication devices of individual subscribers (clients) are connected to a single settlement network, including intra-network settlement and coordination centers of operators communications included in a single settlement network via mobile phones.

In another embodiment, personal communication devices can be connected to intranet settlement and coordination centers, for example, one of the operators included in a single settlement network, through paging communications and made in the form of personal pagers, equipped as standard with displays for displaying visual information, t .e. in this case, a single settlement

the network can be formed by including in it, for example, as one of the mobile communication operators, the paging operator.

The identification of network subscribers in the process of making mutual settlements, for example, making payments or money transfers, can be carried out in any known manner based on the details of network subscribers registered with the operators in their electronic databases, for example, SIM card numbers, PIN codes, etc., which, in turn, can be used as additional means of monitoring the settlement and monetary operations using the proposed system, and each of the network subscribers can be identified make money at any stage of the settlement and monetary operation.

Depending on the purpose, in the formation of a unified settlement network, a credit and payment institution (credit and payment authority), for example, a partner bank of the unified settlement network, designed to be implemented at the request of any a subscriber of a network for transferring part or all of the amount of money from his subscriber account to his previously provided current account at the aforementioned credit and payment (banking) institution and incl. sistent in the structure of the apparatus for electronic payments, interconnected in turn, for example by the mobile communication, with a computer device for electronic payments, which is part of the main system settlement clearing center.

In all cases and options, all of the above and any other nodes, devices, equipment, devices, and other components necessary for its technical implementation that are part of the claimed system for carrying out settlement and monetary operations, depending on the need, can be interconnected either

by means of wire communication, for example cable connections, and / or wireless communication, for example, radiotelephone, satellite, etc., and any other known technical methods, techniques and means, while all settlement accounts used in the proposed technical solution, for example, subscriber, bank etc., are interconnected in the same way that with their use it is possible to make any kind of electronic payments, money transfers and any other remotely carried out by means of well-known technical means and in the ways of settlement and cash operations.

Thus, the essence of the claimed utility model is a new technical solution that allows using various well-known technical means (separately) to create various (depending on the task) systems design options for settlement and monetary operations between network subscribers of one or more operators mobile (cellular) communication.

The essence of the proposed technical solution is based on the laws of probability theory and mathematical statistics, and in this case, probability is considered as a numerical characteristic of the degree of possibility of occurrence of the expected random event under certain conditions - i.e. settlement and monetary operations.

Moreover, based (as indicated above) on determining the probability of the frequency of the occurrence of the expected event, in the case of a sufficient number of settlement and money transactions, such as money transfers, and also due to the fact that in relation to a particular telecom operator, the transfer (receipt) to account and debiting from the account of any player subscriber of this particular operator in the general case are equally probable elementary events, then with an infinite countable set of completed calculations carried out in a single settlement network cash operations, approximate probabilities of transfer (receipt) to the account and debiting from the account will be

almost the same, i.e. the number of receipts (credits) will be equal to the number of debits from the account and, therefore, in general, the amount of money transferred as a result of settlement and monetary operations from the subscriber account of the settlement and coordination center to the subscribers' account within each operator included in the unified settlement network and vice versa for a relatively long time period will also be equal.

The essence of the utility model is illustrated by drawings, in Fig.1 which schematically depicts the proposed system for carrying out settlement and monetary operations with "functionally" designated basic devices and elements included in its composition.

An example of a specific implementation of the claimed utility model is a system for carrying out settlement and monetary transactions between subscribers of a network of 2 (two) mobile communication operators (cellular communications), for example, MTC-GSM and Skylink or Megafon and Bee Line GSM ”, With the help of personal mobile phones connected in accordance with the established procedure, subscribers of the respective telecom operators equipped with standard displays (display screens) for visual display of text and image coming and going through mobile communication lines mately information, including any type of image display prompts, including containing dynamic (moving elements) both black and white, and made in various color combinations, depending on the design of mobile phones, respectively.

The system for carrying out settlement and monetary operations between subscribers in the formed unified settlement network of 2 mobile operators, for example, as part of “Operator A” and “Operator B”, contains: a clearing and settlement center provided for in “Operator A” (hereinafter - “ RCC-A ") 1, including

interconnected intranet coordination computer 2 with software (not shown in the drawing) for its operation, an electronic database of 3 subscribers of “Operator A”, mobile phones of 4 subscribers of “Operator A”; the settlement and coordination center provided for in “Operator B” (hereinafter referred to as “RCC-B”) 5, including interconnected intranet coordination computer 6 with software (not shown in the drawing) for its operation, an electronic database of 7 subscribers of “Operator B” ”, Mobile phones of 8 subscribers of“ Operator B ”; additionally provided for the formation of a single settlement network and interconnected with “Operator A” (settlement and coordination center 1) and “Operator B” (settlement and coordination center 5), the main gateway settlement and coordination center (hereinafter referred to as “GRCC”) 9, including a computer device 10 for making electronic payments with appropriate software (not shown in the drawing) for its operation, while the gateway main settlement and coordination center (“SRCC”) 9 is interconnected with settlement and coordination the ion center (“RCC-A”) 1 of “Operator A” and the settlement and coordination center (“RCC-B”) 5 of “Operator B”, respectively, via mobile communication.

To carry out settlement and monetary operations between network subscribers within settlement and coordination centers (“RCC-A”) 1 of “Operator A” and “RCC-B” 5 of “Operator B”, pre-formed intranet settlement accounts of “Operator A” and “Operator” are provided B ”in the form of subscriber accounts 11 and 12 of the settlement and coordination centers 1 and 5 of“ Operator A ”and“ Operator B ”, respectively, interconnected with pre-formed subscriber accounts of 13 and 14 subscribers (clients) of“ Operator A ”and“ Operator B ” with mobile phones 4 and 8, respectively.

In another embodiment, “GRKC” 9 can be provided with settlement accounts inside “Operator A” and inside “Operator B” in the form of pre-formed subscriber accounts (not shown) “GRKK” 9 inside “Operator A” and inside “Operator B” , respectively, which, if necessary, can perform the functions of subscriber accounts 11 and 12 of settlement and coordination centers 1 and 5, respectively, through their interconnection with the same above-mentioned functional elements of the system as the latter (11 and 12) ..

The Main Settlement and Coordination Center (“GRCC”) 9 has its own predefined (formed) bank account 15 at any known credit and payment institution (authority) 16, which, if necessary, can be used to pay directly cash to subscribers of the unified settlement network funds, for example, using plastic cards (not shown in the drawing) received by subscribers (customers) in a credit and payment (banking) institution 16 upon first appeal or by mail, and subsequently cash (for example, den nye transfers) can be transferred directly to the right referred to the plastic cards.

In the General case, the implementation of the claimed system, each of the intranet coordination computers 2 and 6 is equipped with software (not shown in the drawing), which is a set of interconnected programs for performing settlement and monetary operations, including money transfers from an account to an account of network subscribers.

Settlement and monetary operations through the proposed system of interconnected devices using pre-formed intranet settlement accounts of 11 and 12 operators consisting in transferring funds to the subscriber (client) account at his request and / or writing off funds from the subscriber (client) account in the following way.

Previously, as mentioned above, inside each of the operators: “Operator A” and “Operator B”, they create intranet settlement accounts in the form of subscriber accounts of 11 and 12 settlement and coordination centers: “RCC-A” 1 and “RCC-B” 5 of “Operator A” and “Operator B”, respectively, by which, by mutual agreement between subscribers of various telecom operators, for example between “Subscriber-A1” and “Subscriber-B1”, charges are simultaneously performed for “Operator A” and “Operator B” and transferring funds, for example, from an intranet settlement account 12 of the settlement and coordination center - “RCC-B” 5 “Operator B” to the subscriber account 14 of the subscriber (client) of the operator, for example, “Subscriber-B1”, and - from the subscriber account 13 of another subscriber (another client), for example “Subscriber-A1” of another telecom operator - “Operator A” to the intranet settlement account 11 of the settlement and coordination center - “RCC-A” 1 of the same telecom operator - “Operator A”, while the above-mentioned actions for charging and transferring funds simultaneously, as inside the telecom operator of the first subscriber “Ab Nenta-B1 ":" Operator B ", and inside another telecom operator - the operator of the second subscriber:" Operator A ", and synchronization of the accrual and transfer of funds in time is carried out through interconnected intra-network coordination computers 6 and 2 of" Operator B " and “Operator A”, respectively.

The essence of the system for performing settlement and monetary operations between subscribers, including various mobile operators, by means of the proposed system as applied to the option shown schematically in FIG. 1 of the drawings, is illustrated by the following specific examples of its operation.

In this case, an example of a specific implementation of the claimed utility model in relation to a system for carrying out settlement and monetary operations between subscribers of the network of one mobile operator

(cellular communication), for example, “MTC-GSM”, or “Skylink”, or “Megaphone”, or “Bee Line GSM”, the system shown in Fig. 1 serves to serve network subscribers consisting only of “Operator A”.

Example 1

Subscribers (clients) of the unified settlement network: “Subscriber-A1” and “Subscriber-A2” are subscribers of one mobile operator - “Operator A”, and by their mutual consent it is necessary to transfer funds from the account of “Subscriber-A1” to the account "Subscriber A2".

In this case, the transfer of funds is carried out within (within) “Operator A” directly from the subscriber account 13 of “Subscriber-A1” to the subscriber account (not shown) of “Subscriber-A2” by using mobile phones 4, while managing the operation (actions) to transfer funds are carried out in a known manner using the standard buttons (standard set of programs) on the control panel of the mentioned mobile phones 4. After sending messages from the mobile phone 4 “Subscriber-A1” with the corresponding With the information on money transfers, the latter is sent to the settlement and coordination center - “RSC-A” 1, then to “RSC-A” 1 through the intranet coordination computer 2 and the database of 3 subscribers of “Operator A” they identify “Subscriber-A1 »And a comparative check of the status (value) of the monetary settlement balance of his subscriber account (13) and the size of the requested amount of the money transfer. If the amount of the money transfer amount indicated (requested) by “Subscriber-A1” is equal to or less than the size of the subscriber account (13) of “Subscriber-A1”, then a command is generated to write off (the money is written off) of the required (requested) amount from the subscriber account (13) “ Subscriber-A1 ”with the simultaneous development of a command to accrue (accrual) the same amount of money to the account (subscriber account) of“ Subscriber-A2 ”.

Thus, if the recipient of a money transfer or any other type of payment is a subscriber of the same telecom operator that is part of a single settlement network as the sender of the money transfer, then funds in the amount of the declared amount of the money transfer are transferred (transferred) in a known manner, for example, by Intranet coordination computer, which is part of the settlement and coordination center of this operator, from the account of the sending subscriber to the account of the receiving subscriber, for example, from a subscriber account It is the "Subscriber-A1" on the subscriber's account "Subscriber-A2", while it is possible that for the provision of the service operator, such as "Operator A", will be installed to charge them the appropriate commission.

Example 2

Subscribers (customers) of the unified billing network: “Subscriber-A1” and “Subscriber-B1” are subscribers of different mobile communication operators - “Operator A” and “Operator B”, respectively, while by mutual agreement it is necessary to transfer funds from the account 13 “Subscriber-A1” to account 14 “Subscriber-B1”.

The operation (operations) for the transfer of funds is carried out in a known manner using standard buttons (standard set of programs) on the control panel of the sender’s mobile phone 4 - “Subscriber-A1”. After sending from a mobile phone 4 “Subscriber-A1” a message with the relevant information on the transfer of funds (indicating the amount of the transfer), the latter is sent to the settlement and coordination center - “RSC-A” 1, then to “RSC-A” 1 through Intranet coordination computer 2 and the database of 3 subscribers of “Operator A” carry out the identification of “Subscriber-A1” and a comparative check of the status (value) of the monetary settlement balance of his subscriber account (13) and the amount of the requested amount of money transfer. If the size of the specified (requested)

“Subscriber-A1” of the amount of the money transfer is equal to or less than the size of the subscriber account (13) of “Subscriber-A1”, then a command is generated to write off (debit) the required (requested) amount from the subscriber’s account of “Subscriber-A1” while generating the command messages) on the calculation of a similar amount of money to the account (subscriber account) of "Subscriber-B1", which (message with information) through interconnected intra-network coordination computers 2 and 6 in an automated mode is transferred to the settlement and coordination ny center "RCC-B" 5 "Operator B".

Since, in this case, the recipient of funds (“Subscriber-B1”) is a subscriber (client) of the telecommunications operator (“Operator B”), i.e. - other than the sender of funds (“Subscriber-A1”), which is a subscriber of the telecom operator - “Operator A”, then the transfer of funds at the initial stage is carried out within (within) “Operator A” - from the subscriber account 13 of the sender, those. “Subscriber-A1”, to the subscriber account 11 of the settlement and coordination center “RCC-A” 1 “Operator A”, which (“RCC-A” 1) in an automated mode, for example through interconnected intra-network coordination computers 2 and 6, gives a command (transmits a message) to the RCC-B settlement center 5 of “Operator B” 5 to write off and transfer a similar amount of money from the subscriber account 12 of the RCC-B settlement center 5 to the subscriber account of the 14 recipient, t. e. “Subscriber-B1”, which receives the amount of money to his subscriber account 14 - strictly in the amount of the funds debited (as indicated above) from the subscriber account 13 of the sender, i.e. "Subscriber-A1." After that, the settlement and coordination center “RCC-B” 5 of “Operator B”, through interconnected intra-network coordination computers 6 and 2, transmits a command (transmits a message) to the settlement and coordination center “RCC-A” 1 of “Operator A” on accrual corresponding amount of cash to the account

(subscriber account) "Subscriber-B1", i.e. there is a feedback mode based on the results of a settlement and money transaction that has already been completed to confirm that it has been completed, while the settlement and coordination center “RSC-A” 1 sends a message to the mobile phone 4 of “Subscriber-A1” - the sender about the completion of the money transfer operation to the account (14) of the recipient - “Subscriber-B1”. After that, “RCC-A” 1 and “RCC-B” 5 send to “GRKC” 9 (in its computer device 10) the final information about the completion of the money transfer operation, where it is received and archived in a known manner by means of appropriate known programs.

In this case, the funds are redistributed between subscribers only within their own telecom operator, as if not leaving the general account of this own telecom operator, which is fundamentally important for each of the telecom operators included in a single settlement network. In the conditions of the practical operation of the claimed system for performing this operation, a single settlement network through the use of subscriber accounts 11 and 12 of “RCC-A” 1 and “RCC-B” 5, respectively, can receive a certain, predetermined fee (% of the transferred amount) .

Example 3

If the subscriber who received the money, for example, in the second case, “Subscriber-B1”, wants to transfer part or all of the money from his subscriber account 14 inside “Operator B” to his previously provided settlement account (not shown) in to a credit and payment (banking) institution 16, for example, a partner bank of a unified settlement network, for this he (“Subscriber-B1”) can directly use his mobile phone 8, while the operation (operations) on the transfer of funds is carried out as using the standard buttons (standard set of programs) on the control panel of the mentioned mobile phone 8.

After sending a message with the relevant information about the transfer of funds from the mobile phone 8 of “Subscriber-B1”, the latter is sent to the settlement and coordination center - “RCC-B” 5, then to “RCC-B” 5 through the intranet coordination computer 6 and the base The data of 7 subscribers of “Operator B” carry out the identification of “Subscriber-B1” and a comparative check of the status (value) of the monetary and settlement balance of its subscriber account 14 and the amount of money claimed for transfer to the partner bank 16. Then, if the amount claimed for the transfer by “Subscriber-B1” is equal to or less than the size of the subscriber account (14) of “Subscriber-B1”, then a command is generated to write off (debit) the required amount from the subscriber account (14) of “Subscriber-B1” and charging it to the subscriber account 12 of the RCC-B settlement and coordination center 5, after completion of this operation, the on-net coordination computer 6 gives a command (sends a message) to the computer device 10 for electronic payments of the main settlement and coordination center ( “GRKTS”) 9, which, for example, using the well-known “Bank-Client” system, transfers the indicated amount of money from its pre-formed bank account 15 in a credit and payment institution (authority) 16 to a pre-arranged bank account (not shown in the drawing) “Subscriber-B1” in the same credit and payment institution 16 (or, at the request of the subscriber, in any other credit and payment institution) or its plastic card in the same (or any other) credit and payment institution. At the same time, the replenishment of the bank account 15 of the main settlement and coordination center (“SRCC”) 9 will be carried out at the expense of the interconnected subscriber accounts of 11 and 12 settlement and coordination centers: “RCC-A” 1 and “RCC-B” 5, accordingly, telecom operators included in a single settlement network, ie: “Operator A” and “Operator B”.

Example 4

In the event that a subscriber, for example, “Subscriber-B1”, wants to replenish his subscriber account 14 inside “Operator B” (or any other subscriber account) by transferring funds from his current account (not shown in the drawing) to a credit payment ( Banking institution 16, for example, a partner bank of the unified payment network, or from its plastic card, for this he (“Subscriber-B1”) can use his mobile phone 8 directly, while the operation (operations) on transferring funds are controlled known about using the standard buttons (standard set of programs) on the control panel of the mentioned mobile phone 8. after sending from the mobile phone 8 "Subscriber-B1" messages with the relevant information about the transfer of funds, the latter is sent to the settlement and coordination center - "RCC-B ”5, then in“ RCC-B ”5 through an intranet coordination computer 6 and a database of 7 subscribers of“ Operator B ”identify“ Subscriber-B1 ”, after its completion through an intranet coordination computer 6 and a computer device 10 connected with it for electronic payments of the main settlement and coordination center (“SRCC”) 9, a team is developed on the basis of which the designated amount of money is transferred from the settlement account (not shown) of “Subscriber-B1” to credit -payment (banking) institution 16, for example, a partner bank of the unified settlement network, to a pre-formed bank account 15 “GRKTS” 9 in a credit and payment institution (authority) 16, and then using coordination computer 6 in “P KC-B ”5, a team is being developed to transfer the equivalent amount of money from the subscriber account 12“ RCC-B ”5 to the subscriber account 14“ Subscriber-B1 ”.

In the future, if the “level” (total amount of money) of the subscription account 12 of “RCC-B” 5 falls below a specific value calculated in advance and established by agreement with the telecom operator (“Operator B”), then the subscriber account 12 may be replenished by the command “GRCC” 9 through the use of an interconnected bank account 15 “GRCC” 9 in a credit and payment institution (authority) 16.

If the “level” of the subscriber account 12 “RCC-B” 5 rises above a specific value calculated in advance and established by agreement with the telecom operator, then from this subscriber account, by the command “GRKC” 9, the bank account 15 “GRKC” 9 is credited - a payment institution (authority) 16 by writing off and transferring monetary amounts in excess of the “level” previously agreed upon with the telecom operator.

Claims (3)

1. A system for carrying out settlement and monetary transactions between subscribers of the networks of one or more mobile communication operators connected via personal communication devices in the form of mobile phones of subscribers, characterized in that a separate settlement and coordination center is provided within the network of each of the communication operators, made in the form an intranet coordination computer interconnected with the electronic database of the network subscribers of a given telecom operator, while the system is additionally equipped with at least one It is the gateway of the main settlement and coordination center, made in the form of a computer device for electronic payments, connected to the settlement and coordination center of each of the telecom operators into a single settlement network, and the settlement and coordination centers of the above-mentioned communication operators of a single settlement network are interconnected via their intranet computers and are equipped with pre-formed intranet settlement accounts, each of which is made in the form of a subscription account a settlement and coordination center within its mobile operator. 2. The system according to claim 1, characterized in that the personal communication devices are connected to settlement and coordination centers, for example, one of the operators included in a single settlement network, through paging communications and made in the form of personal pagers. 3. The system according to claim 1 or 2, characterized in that the unified settlement network is additionally equipped with a pre-established credit and payment institution, for example, a partner bank, and the gateway main settlement and coordination center is connected, for example, via mobile telephone, to a device for implementing last electronic payments.