RU76485U1 - ELECTRONIC PAYMENT SYSTEM FOR MONEY MANAGEMENT BASED ON UNIVERSAL DEBIT-CREDIT PAYMENT CARDS - Google Patents

Abstract

The utility model relates to systems for the execution of electronic payment transactions using communication money management devices, in particular, mobile terminals. New in the system is that the control unit is configured to assign a unique identification number to the user - the payee code (PPC) associated and / or combined with the identification parameters of the money management communication device used or selected by the user; with the possibility of transferring funds to other users of the payment system, in accordance with their checkpoint or personalized identification parameters of the payee; the possibility of assigning a unique identification number to the user - the payment authorization code (CAP) associated with the check point and / or with the identification parameters of the cash management device used or selected by the user, as well as / or personalized parameters of identification of the payee; the ability to provide users of payment services with conditional access to credit funds, and payment transactions with them, in accordance with the denominations of acquired universal debit and credit payment cards; the ability to notify recipients and senders of payments about the process of making payments, at least one cash management communication device is capable of issuing checks (slips), and a universal debit and credit payment card is used as a payment card. This electronic cash management system based on universal payment cards allows users of these payment services to independently carry out most of the standard banking procedures for direct payments or transfer of funds, obtaining consumer loans and payment transactions with credit funds that are more comfortable, according to the criteria of low cost, timing , the absence of restrictions on the user's location or time of implementation, allows and enjoyment of payment transactions with payment instruments known payment systems without the organization of complex technological interactions, seamlessly integrates mobile and Internet systems

banking, other e-commerce applications, is practically applicable, since it is formed on the basis of well-known and widespread hardware and software.

Description

The utility model relates to systems for the execution of electronic payment transactions using communication money management devices, in particular, mobile terminals.

With the technological improvement of communications and computer technology, the universally standard money transfer banking services cease to be a contact type of service, which stimulates the development of the market for electronic as well as combined forms of servicing individuals / legal entities.

The processes of labor migration, when a large number of individuals live outside the boundaries of permanent residence or in the territory of neighboring countries, form markets for the transfer of cash. In addition to money transfer markets in the labor migration segment, classic payment service application markets also increase the demand for alternative transfer services, namely non-cash payment services in networks: retail, vending machines, on demand services (on demand), Internet commerce services, passenger services transport, consumer lending services, etc.

Known universal payment system for managing funds using universal payment cards with a fixed nominal value with hidden parameters using any mobile or landline phones, the Internet, as well as other means of communication, providing information to the payment system and including card issuers, processing center, card holders and suppliers of goods and services. The specified system is aimed at solving technical problems in forming links with processing centers of third-party payment systems to ensure mutual settlements, regardless of the type of payment cards used. Achieved positive technical result is to create a universal payment system that has all the advantages of many well-known payment systems, and provides the ability to make payments in a system different from the payment system of the payment card issuer.

The specified system allows you to form relationships with processing centers of third-party payment systems to ensure mutual settlements, regardless of the type of payment cards used, and is a collection of entities interacting with each other on a contractual and technological basis, with the aim of

settlements between themselves and suppliers of goods and services on a cashless basis, using certain mechanisms and observing established rules. (patent RU 2282241, G06Q 30/00, publ. 2006.08.20).

The claimed result of the implementation of this payment system is to ensure the mutual integration of various payment systems, where the payment system itself fully functions as a variety of other payment systems for managing the money of cardholders using a single universal payment card. In this regard, in these payment systems the meaning and necessity of issuing and distributing their own payment cards is lost. This procedure requires significant financial and organizational costs, which can subsequently lead to a merger of card functions and the practical use of a single universal payment card.

The specified EPS, having a list of characteristics characterizing its availability for holders of payment cards of various issuers, the convenience of managing money by card users in order to carry out payment transactions in favor of suppliers of goods and services, cannot be considered as universal, since:

- The use of the services of this payment service provider, which is intended for servicing users of any payment systems, is determined by the procedure for purchasing a payment card service, and the obligatory presence of contractual relations between third-party payment card issuers and payment processors, as well as ensuring their technological interaction, which, in fact, limits the potential users of payment services, and technologically complicates the work of EPS itself, due to the need to ensure technological compatibility for processes of interaction of many different software and hardware solutions.

- Algorithms for the implementation of payment procedures provide for phased operations through communication devices, and it is mandatory to transfer to the processing center of the EPS the authentication parameters of the declared universal payment card with each new payment procedure, and in particular cases, using the authentication parameters of more than one payment card, which increases the timing of payment execution and the likelihood of errors.

- EPS provides for the provision of users of its services, its own, non-indirect forms of service, involving the use of only debit payment cards with a fixed face value, and the execution of payment transactions within the fixed face value of payment cards, which is a limitation of the capabilities of both the EPS and users of its services that do not have credit cards of third-party issuers.

The closest analogue to the proposed utility model is an electronic payment system (EPS) for money management, which includes money management communication devices and their components, containing specially-downloaded software for carrying out payment procedures, credit or debit payment cards purchased by users issuers, each of which contains system authentication parameters, a processing device (PU), made with possibly the possibility of receiving through the communication lines the authentication parameters of the payment card purchased by the user, authentication and establishing the current balance of the card, transferring funds to third parties at the direction of the user using individual transaction codes for each individual payment transaction. (patent RU 2273049, G06Q 30/00, publ. 2006.03.27)

The claimed result of the implementation of this payment system is to provide users of payment services with the possibility of making payments through credit card accounts managed by mobile phones, as well as providing reliable communication between the subjects of payment services.

The specified EPS, having a list of characteristics characterizing its reliability for subjects of payment services, and in particular, users of credit or debit cards, has disadvantages of a technical solution, which is expressed both in the non-optimal use of hardware and software, and in the structure of methods for making payment procedures, namely:

- EPS provides the use as a communication device for managing money of users of credit or debit payment cards, GSM mobile phones in conjunction with the corresponding communication applications of this type of communication, which is a significant restriction on access to payment services for potential consumers of payment services.

- Algorithms for the implementation of payment procedures provide for phased operations through a money management communication device, in particular, using special software, and it provides for the transfer of the authentication parameters of the credit or debit payment card used by the payment processor and various options generated by the payer with each new payment procedure individual transaction codes, other payment parameters, which is more difficult t functional perception of procedures for the formation of payments, increases the timing of the payment, and the likelihood of errors.

- EPS does not provide for the use of a semi-automatic mode of access to services in the process of servicing users, and in particular, the operation of an operator service, which limits the possibilities for potential consumers to access payment services by means of other than the declared means of communication, and also complicates the process of using payment services for categories potential consumers of payment services, for natural reasons making it difficult to use them automatically.

This useful model is aimed at solving technical problems of optimizing cashless payment processes using universal debit and credit payment cards, widespread communication technologies, as well as subscriber communication devices, expressed in optimizing the functional interaction of well-known hardware-software and communication elements of payment processing systems.

Achievable positive technical result is:

- ensuring the highest possible level of automation of payment procedures;

- ensuring the highest possible level of availability of non-cash payment services for any categories of users of payment services;

- achieving a minimum level of cost of services, both for payment service providers and users of payment systems;

- reducing the timing of procedures for sending / receiving payments;

- achieving the highest possible level of compatibility and / or integration of payment systems, without organizing their complex technological interaction.

The indicated technical result is achieved in that the electronic money management system includes: money management communication devices, payment cards purchased by users, each of which contains unique system authentication parameters, a special telephone number in the network of the mobile operator for connecting the payment card user with a payment system, a processing device (PU), configured to receive authentication via communication interfaces tional parameters acquired a potential user of the payment card service, the authentication and the establishment of the current balance of the card, transfer of funds within the denomination cards to third parties on the instructions of the user.

New in the system is that the control unit is configured to assign a unique identification number to the user - the payee code (PPC) associated and / or combined with the identification parameters of the money management communication device used or selected by the user; with the possibility of transferring funds to other users of the payment system, in accordance with their checkpoint or personalized identification parameters of the payee; the possibility of assigning a unique identification number to the user - the payment authorization code (CAP) associated with the check point and / or with the identification parameters of the cash management device used or selected by the user, as well as / or personalized parameters of identification of the payee; the ability to provide users of payment services with conditional access to credit funds, and payment transactions with them, in accordance with the denominations of acquired universal debit and credit payment cards; the ability to notify recipients and senders of payments about the process of making payments, at least one cash management communication device is capable of issuing checks (slips), and a universal debit and credit payment card is used as a payment card.

Execution of a credit card with the possibility of assigning a unique identification number to the user - the code of the payee (PPC) associated with and / or combined with the identification parameters of the cash management device used or selected by the user, with the possibility of transferring funds to other users of the payment system in accordance with their PPC or personalized identification data of the payee, such as ID number, driver number certificate, social security card number, etc., allowed: to significantly reduce the timing of payment procedures and reduce the likelihood of errors in the formation of payment teams, requests or messages, due to a reduction in the amount of minimally sufficient information, for example, by combining unique user identification parameters services and / or the cash management communication device used by him; make payments, receive payments, cash out money by users of payment services using available communication money management devices, which extends the operational capabilities of the payment system for all categories of users of payment services; significantly reduce the cost of payment services for

all subjects of payment processing, as a result of applying optimal forms and means of communication interaction and reducing the volume of data exchange.

The execution of the payment order with the possibility of assigning a unique identification number to the user - a payment authorization code (CAP), associated with the check point and / or with the identification parameters of the cash management device used or selected by the user and the ability to notify payees and senders of payments about the payment process allowed: level of security and technological reliability of payment procedures and funds meadow.

The fulfillment of a payment order with the possibility of providing users of payment services with conditional access to credit funds, and payment transactions with them, in accordance with the face values of acquired universal debit and credit payment cards, allowed: to eliminate restrictions on payment opportunities for users of payment services who are not users of credit cards ( smart cards), automate the procedures for the conditional provision of credit funds, which, in particular, significantly stimulates the development of well-known consumer lending services.

The implementation of the cash management communication device with the possibility of issuing checks (slips) allowed to expand the scope of this type of payment services along with the services of well-known credit payment systems, due to the removal of restrictions on the criterion of deployment; generally stimulate the development of non-cash payment services.

In private embodiments of the utility model:

As a communication device for managing money, a mobile payment terminal, for example, a mobile phone, is used.

The user’s telephone number in the PSTN network was used as the money management communication device, and information on the telephone number in the PSTN operator’s network for connecting the payment card user to the payment system is applied to the universal debit-credit payment card.

Software and their derivatives used on the Internet were used as a communication device for managing money, and information on a web address on the Internet for connecting a user of a debit and credit payment card to the payment system is applied to the universal debit and credit payment card.

The universal debit and credit card contains information about the telephone number in the PSTN network and the web address for connecting the user of the debit and credit payment card to the web interface of the payment system without access to the Internet.

Sessions of receiving / transmitting data between EPS functional elements are carried out via the USSD (Unstructured Supplementary Service Data) interface, Short Message Service, GPRS (General Packet Radio Service) interface, WAP interface, i-mode interface, EDGE ( Enhanced Data rates for Global Evolution), according to ACS No. 7 (Signaling system 7), WiMAX (Worldwide Interoperability for Microwave Access) interfaces, TCP IP, X-25, or similar, communication standards, protocols or data transfer formats, in including using known means of dynamic information encryption.

EPS includes a reference and service operator service that allows you to serve EPS users who are at a loss to use the services in automatic mode.

Brief description of the cash transfer model

The operation of the proposed cash transfer system is ensured as a result of the formation of the interaction with the local mobile phone (cellular / cellular) communication operators, the formation of a processing device and the interaction of the electronic payment system with third-party credit organizations or other non-banking, financial institutions, independent or indirect issue of debit and credit payment cards.

To transfer funds or make a payment, a potential user of payment services acquires a universal debit and credit payment card (scratch card with a unique serial number and a specified PIN) in an authorized trading network, or in the departments of settlement and cash services of EPS, or in branches of credit organizations, or post offices, then using a mobile phone of any of the mobile operators to a special EPS service number (the service number is provided by the mobile operator) The payment service provider sending money to activate the payment card and transfer money, in accordance with the face value of the payment card, makes a USSD (SMS or other) payment request in a special format (the format is indicated on the payment card), indicating the details of the payment card and personified identifiers of the addressee (recipient) of the payment, information on the transfer of funds to a specific person during

a few seconds is transferred to all departments of settlement and cash services of EPS, branches of authorized credit organizations, post offices, and to the communication device of the payment recipient.

To receive the amount indicated in the received message, the payee (payee) addresses directly to the cash settlement services department of the EPS or the department of an authorized credit institution, or performs cash withdrawal through an automated cash settlement complex, the post office, and informs the operator (to the cashier) identifiers and other payment parameters (number of the communication device or personalized data - recipient's passport data ..., code payee or other identifiers or their combinations), which is compared with data duplicated via the Internet (or data transfer interfaces) to the settlement and cash services center of the EPS, branches of an authorized credit institution or its automated settlement and cash complexes, post offices.

The essence of the utility model is explained using a detailed description of the constituent elements of the system and specific examples of its implementation.

EPS structure:

1. PU - a hardware-software complex formed from the following elements:

1.1. Communication server - is responsible for communication through wired and wireless interfaces, voice and data modes, connected to PSTN networks, systems of Mobile Operators, the Internet, remote automatic and semi-automatic hardware-software settlement systems, and other possible data sources related to payment services. Carries out reception and sending of requests / notifications received by the EPS or coming from the EPS regarding notifications of completed transactions or other manipulations related to payment services.

1.2. Database Server - is responsible for authenticating parameters of activated and active universal debit and credit payment cards, authorizing transactions, recording and monitoring the status of balance sheet indicators of users of EPS, generating and accounting information / payment documents provided to users of EPS.

1.3. Transaction (payment) processing server - is responsible for receiving and processing data necessary for making payments, generates payments, generates

teams to carry out procedures for notifying EPS users of the completion of payments.

2. An operator service is a set of hardware and software tools that interact with a human-owned control center, designed to ensure indirect correct payment procedures by users of EPS who, for technical or natural reasons, are not able to carry out payment or other procedures on their own.

3. Cash management communications devices, including cash management communications devices with the possibility of issuing slips (checks) based on a POS terminal (Point of sale). The POS-terminal can be performed with standard functions of servicing payment cards of known types and a fiscal registrar for printing slips (checks) and contains a communication module for exchanging data with the electronic payment system.

4. Remote automatic and semi-automatic hardware-software settlement complexes (stationary cash settlement services, cash settlement services in authorized credit organizations, ATMs, automated cash settlement services).

5. Communication interfaces of various standards, types and formats.

Example 1. Activation of a universal payment card and simultaneous transfer of funds:

1.1. Debit Card Activation

To transfer money or pay for goods / services, the user of payment services, by default being a subscriber of known communication services and having at his disposal a communication device, in particular a mobile phone, acquires a debit payment card, forms a command line in his USSD communication device ( request), in accordance with the format presented on the universal debit and credit payment card, containing the authentication parameters of the payment card, t sending command line formed (request) line specified on the map that corresponds to the communication device, for example:

0 * [n-digit card number] [n-digit card serial number] #

Where the symbol or number “0” is the executive parameter of the payment card activation mode, the symbol “*” is the regulating parameter of the beginning of the message, and the symbol # is the regulating parameter of the end of the message.

Example message format for activating a payment card

This message is received and processed by the communication server of the control panel, the received and processed data passes the authentication procedure on the server of the database of the control panel. Based on the result of the authentication procedure, the Database server instructs the Communication Server to generate and send to the sender the notification message (recall) about the result of the activation of the universal debit and credit payment card, where the address of the sender of the command line (request) is a unique personalized user identifier payment services or the subscriber number of the communication device of the payment services user from which the specified message was sent to the control unit.

Activation of a payment card through a PSTN communication device.

Activation of a universal debit and credit payment card is also possible through a communication device connected to the PSTN network via wired or radio interfaces. In this case, the activation procedure of the universal debit and credit payment card is carried out as a result of connecting to the Communication Server of the electronic payment processor using the PSTN number indicated on the payment card and following the instructions of the voice server (robot), entering the USSD command line, or communicating with the electronic payment service provider.

Activation of a payment card through Internet applications and their derivatives.

Activation of a universal debit and credit payment card can also be carried out through Internet applications and their derivatives, in particular, a web interface managed by the Communication server of the ESP PU, for which the user will need to carry out the procedures for entering authentication data of the universal debit and credit payment card and sending them to the PU EPS, following the instructions posted on the specified Internet resource known to the user.

1.2. Example of activation of a payment card with a simultaneous transfer of funds (activation + transaction).

A user of the claimed EPS has the ability to simultaneously transfer the activation of a universal debit and credit card to transfer funds from an activated payment card. To perform this procedure, in accordance with the above example, after entering text containing the commands and authentication data of the payment card necessary to activate it, the user continues to generate the USSD command line (request / payment message), supplementing it with data that determines the payment parameters, namely:

... ~] 1 [payment amount] [payee identifier] #

Where the symbol or number "1", for example, is the executive parameter of the payment mode, and the symbol "#", which is the regulatory parameter of the end of the line, is removed from the end of the line of the payment card activation command and transferred to the end of the line of the payment command.

The field [amount of payment] may consist of at least 8 items, one of which, for example, “.”, Is a separator character.

The field [payee identifier] can consist of at least 15 items and represents, for example, the number of the communication device of the payee, other valid identifiers, for example, personalized identification data of the payee, such as ID number, driver’s license number, social security card number etc., - for cases when the payee is not a user (subscriber) of communication devices (services), in this case, for example, in the "id ntifikator payee "you can put down the letter '(Executive parameter)" r ", and then a personalized ID, eg passport number of the recipient of payment.

An example of a message format for activating a payment card with the subsequent transfer of funds to the payment recipient.

In this case, based on the result of the successful authentication procedure by the Database Server of the EPS database, the specified server processes and registers

the second part of the message from the sender of the payment, transmits the registered data and the command for processing the payment to the Transaction (payment) processing server, where the payment is generated, a command is generated to carry out the procedures for notifying the sender and recipient of the payment processor about the payment. This command is transmitted to the Communication server of the control unit, which transmits EPS notifications to the communication devices of the sender and recipient of payments. Based on the result of the procedure for notifying the payee, the Communication server either transmits the fact that the payment was made to the Database Server, which allows you to debit the payment amount from the balance of the payment sender and, further, notify the payer via the Communication server of the current balance of his universal debit and credit payment card and the fact of the payment, or informs him of the mistake made when entering the identification parameters of the communication device.

Regardless of the results of making payments, information on each incoming request for making a payment is recorded in the Database Server of the EPS. In cases where the identifier of the payee does not include the identifier of the communication device, but the personalized identifier indicated by the regulatory parameter, this notification of the payment made in favor of the payee with the corresponding identifier is sent to the Remote automatic and semi-automatic hardware-software payment systems of EPS.

Example 2. Transfer (transaction) of funds between users of communication devices using a checkpoint.

From the moment of activation of the payment card by at least one of the subjects of payment procedures, the owner of the activated payment card receives a proposal from the system about the possibility of assigning the Payee Code to him or his communication device. This identifier, in the case of a positive response from the owner of the activated card, is generated and registered in the Database Server of the PU EPS, while the owner of the activated payment card can make a choice: have a personalized check point that does not depend on the type of communication device used, or a check point associated with a unique the identifier of the communication device with which the activation procedure of the payment card was carried out.

In addition to the owners of activated debit payment cards, any individual or legal entity can use the checkpoint receipt service, depending on the provision of a personalized identifier in the EPS that is acceptable for use in the EPS.

The use of this type of identifier when making payments ensures the confidentiality of the data of payees, reduces the amount of information when generating team payment messages sent by payers to EPS.

Example 3. Payments in favor of third parties

EPS, according to this technical solution, provides for the maintenance of Money Management Communication Devices with the possibility of issuing slips (checks) based on POS-terminals (Point of sale). POS-terminals can be performed with standard functions of servicing payment cards of known types and fiscal registrars for printing slips (checks), contain communication modules for exchanging data with electronic payment systems.

The use of this type of device in EPS allows you to implement this type of payment in retail and services, use these devices in vending machines and vehicles.

The specified type of payment operations provides for the implementation of authorization procedures for payments both from the payment institution and from the sender of the payment. To authorize the payment (confirmation), the sender of the payment uses the Payment authorization code assigned to him by the E-payment system or generated by him / her using the E-payment system, while the parameters of the Payment authorization code are registered in the E-database and are associated with the identifier of the communication device of the E-service user. Obtaining a Payment Authorization Code can be carried out automatically at the request of the EPS to receive or register such an identification parameter. The payment authorization code, known only to the owner of the cash management communication device, allows to ensure the security of payment transactions, the cash security of the User of the EPS service in case of loss of the cash management communication device, reducing the amount of information when generating payment messages, as well as the number of transactions between

communication device of the sender of payment and the payment processors EPS, or communication device of the sender of payment and communication device with the possibility of issuing slips (checks).

3.1. The procedure for making payments to third parties through a cash management communications device.

The payee, for example, a merchant, informs the sender of the payment (the active user of the EPS) of its checkpoint associated with the identification parameters of the communication device for managing money resources subscribed to the EPS with the possibility of issuing slips (checks), the sender of the payment generates a command line (request / payment message ) with the checkpoint of the trade enterprise indicated in it and sends the payment message in a known manner (s) to the EPS control unit, while the Communication server P U receives the specified message, processes it, sends the processed data to the database server, where the identity of the Sender of the payment and the Merchant is checked, processing and registration of the data of the payment message, then the Database Server sends the processed data to the Transaction Processing (payment) Server. The Transaction Processing Server processes the incoming data necessary for making payments, generates payments, generates commands for notifying the owner of the PPC and sending the corresponding request to the Sender of payment by the Communication server.

In case of successful processing of his payment message, the sender of the payment receives an electronic payment system request for payment authorization (confirmation) on his communication device, and the merchant receives an electronic payment system message on successful payment authorization on his own communication device for money management, and the payment namely, debit of funds from the debit card balance of the Sender of payment in favor of the Merchant will be actually carried out only after the payment processors teaches response to an authorization request for the payment Sender. This response containing the Payment Authorization Code is sent to the Communication Server, processed in it, sent to the Database Server where this procedure is registered, then it is sent from the Database Server to the Transaction (Payment) Processing Server, where, based on the positive results obtained from previous operations are generated commands to the Database Server

data on the debiting of the funds of the Sender of payment in favor of the Merchant, and the Communication server for the notification of the Sender of the payment and the Merchant of the successful payment, indicating the amount debited and charged. The receipt of this message on the cash management communications device of the Trading Company ends with the printing and issuance of a slip (check), indicating the proper parameters of the payment transaction.

3.2. The procedure for making a payment in favor of third parties through a cash management communication device with the possibility of issuing slips (checks).

This type of payment can also be made if the Sender does not have a payment at the time of the purchase of the cash management communication device. To make such a payment, it is sufficient for the Sender of the payment to remember the identifier of the communication money management device, the PPC and the Payment Authorization Code.

In this case, the formation and sending of a payment message containing one of the listed payment identifiers to the payment processor is carried out by the Trading Company, and the payment authorization procedure for the payment by the Sender is carried out by manually entering the payment authorization code or its version combined with other identifiers in the money management communication device with the possibility of issuing slips (checks) of the trading company.

Example 4. The provision of conditional access to credit funds.

The conditional access to credit money service is provided by the EPS in automatic or semi-automatic modes to any active or potential user of payment services whose personified identifiers satisfy the credit criteria defined by the credit institution that realizes this type of service through the EPS.

4.1. The procedure for access to credit funds for active users of EPS services.

To receive non-cash credit funds, an active user of electronic banking services through a money management communication device, in particular a mobile phone, generates and sends to the electronic payment system, USSD command line (request) in accordance with the format indicated on the universal debit and credit payment card, when the requested amount of credit funds may exceed the face value of the payment card previously activated by the user, and the command line must contain personifications nny identifier, such as a passport or identity card number, driver's license or an active user, allowed to carry out the procedure for granting access to credit funds. If the active user has previously registered in the EPS, personified and other identifiers provided for use in the EPS, the volume of the generated credit request is reduced to indicate the executive parameter of the credit request “k” and the required amount of credit money, since authentication of such a user is carried out in automatic mode based on a unique mobile phone number from which a credit request is made in the electronic payment system, for example:

k * [amount of loan funds] #

Where the letter "k" is the executive parameter of the request for the provision of credit funds, the symbol "*" is the regulatory parameter of the beginning of the message, and the symbol "#" is the regulatory parameter of the end of the line.

The field [amount of loan funds] may consist of at least 4 items.

An example of the command line format of a credit request for active users of payment services with personalized identifiers that have been registered in the EPS.

4.2. The procedure for access to credit funds for potential users of EPS services.

In order to receive non-cash credit funds, a potential user of the electronic banking services contacts the authorized electronic banking points of sale of universal debit and credit payment cards equipped with communication money management devices

by means of the possibility of issuing slips (checks), reports the size of the required credit funds, a unique identifier of the communication device for managing money and, in particular, a mobile phone number, and provides an identification document (passport, identity card, driver’s license, etc.).

In accordance with the data submitted by a potential user of EPS services, an authorized salesperson of an authorized sales point carries out, using a cash management communication device with the ability to print slips (checks), the credit rating of a potential user of EPS services applying for credit money, which generates a USSD command request format corresponding to the procedure with a personalized identifier of the potential user EPS services, its mobile phone number and the required amount of credit money, corresponding to the face value of the universal debit and credit payment card, and transfers it to the EPS PU.

The specified command request, when it is received at the EM payment system, also contains the identification parameters of the authorized debit and credit card dealership of the universal debit and credit card, and after processing it in the electronic payment system, it initiates the transfer of credit reports to the cash management communication device with the possibility of issuing slips (checks) potential user or refusal to provide requested credit funds.

In the case of confirmation of the creditworthiness of a potential user of EPS services, the employee of the sales point through the cash management device with the possibility of issuing slips (checks) carries out the procedure for activating a universal debit and credit payment card with the simultaneous provision of credit funds, in accordance with its face value, while EPS performs registration of authentication parameters of a universal debit and credit payment card, in accordance with fied identifier potential user services EPS associated with the number of the communication control unit cash means of user services, in particular mobile phone.

Team requests, in accordance with the indicated procedures, are received and processed by the Communication Server of the EPS PU, transferred to the database server, where they are processed in accordance with the information provided in the database of the credit institution, as a result of which a notification is generated to the addressee of the credit request,

sent by the command of the Database server by the Communication server to the cash management communication device corresponding to the format of the credit request.

This form of providing conditional access to credit funds excludes possible abuses on the part of EPS users, since the registration of personalized user identifiers of service users in EPS can be carried out only by means of communication money management devices with the possibility of issuing slips (checks) at authorized sales points of sales or settlement cash services.

Payment operations with received credit money can be carried out by users of services in accordance with the algorithms indicated in the examples.

This electronic payment system for cash management based on universal payment cards allows users of these payment services to independently implement most of the standard banking procedures for direct payments or transfer of funds, obtaining consumer loans and payment transactions with credit funds that are more comfortable, according to the criteria of low cost, timing , the absence of restrictions on the user's location or time of implementation, allows and enjoyment of payment transactions with payment instruments known payment systems without the organization of a complex process of interaction, can be easily integrated with the systems of mobile and Internet banking, in other e-commerce applications, practically applicable, because it is formed on the basis of known and common hardware and software.

Claims (8)

1. An electronic payment system for managing money, which includes communication devices for managing money, payment cards, each of which contains system authentication parameters, a special phone number in the network of a mobile operator to connect a payment card user to a payment system, a processing device made with the possibility of receiving authentication parameters of the payment card via communication interfaces, authentication and I am the current balance of this card, the transfer of funds within the actual amount of cash on the card to third parties according to the user's instructions, characterized in that the processing device is configured to assign the user a unique identification number - Payee Code (PPC), associated and / or combined with identification parameters of the cash management device used or selected by the user, with the possibility of transfer funds to other users of the payment system in accordance with their PPC or personalized identification data of the payee, the possibility of assigning a unique identification number to the user - the payment authorization code associated with the PPC and / or with the identification parameters of the money management communication device used or selected by the user, and / or personalized parameters of identification of the payee, the ability to notify recipients and senders of payments on the process of making payments, at least one communication device for managing money is configured to issue slips, and a universal debit and credit payment card is used as a payment card. 2. EPS according to claim 1, characterized in that a mobile payment terminal is used as a communication device for managing money. 3. EPS according to claim 2, characterized in that a mobile phone is used as a mobile payment terminal. 4. EPS according to claim 1, characterized in that the user's telephone number in the PSTN network is used as a money management communication device, and information about the telephone number in the PSTN operator’s network for connecting the debit payment card user to the universal debit and credit payment card is applied payment system. 5. EPS according to claim 4, characterized in that the universal debit and credit payment card additionally has information on the web address for connecting the user of the payment card to the web interface of the payment system without access to the Internet. 6. EPS according to claim 1, characterized in that the software and their derivatives used on the Internet are used as a communication device for managing money, and information about a web address on the Internet for connection is applied to a universal debit and credit payment card payment card user with a payment system. 7. EPS according to claim 1, characterized in that the sessions of receiving / transmitting data between the functional elements of EPS are carried out using USSD (Unstructured Supplementary Service Data), Short Message Services, GPRS (General Packet Radio Service), WAP- interfaces, i-mode interfaces, EDGE (Enhanced Data rates for Global Evolution), according to ACS No. 7 (Signaling system 7), WiMAX (Worldwide Interoperability for Microwave Access) interfaces, TCP IP, X-25 or similar communication standards , protocols or data transfer formats. 8. EPS according to claim 1, characterized in that it includes a reference service operator service that allows you to serve EPS users who are at a loss to use payment services in an automatic mode.