RU96270U1 - BILLING AND PAYMENT SYSTEM - Google Patents

Abstract

 1. WEB-oriented distributed settlement and payment system, including commercial metering devices (PKU), user databases, database of service providers, database of financial organizations, database of charges, database of payments made, database of readings of commercial metering devices, characterized in that it includes the central node that processes and transfers messages between service providers, users, the bank, points of reception or debiting from the settlement account of payments, while the databases are duplicated at the central node, points of payment, and PC U are installed in places accessible for servicing and sealing, providing the consumer with observation of visual indicators of the device with the possibility of transmitting electronic readings of the device to the databases of users and the databases of service providers. A virtual electronic card is used as an information carrier between the customer’s PKU and payment acceptance points. and rewriting the mentioned indicators, taking into account the amount of money deposited, containing constant information about the consumer, sufficient to identify him ii. ! 2. The system according to claim 1, characterized in that in addition to the virtual electronic card, it is possible to replenish the electronic current account using a card with a fixed amount or to pay for services through a PC. ! 3. The system according to claim 1, characterized in that the virtual electronic card is made in the form of a physical medium with an integrated chip with the ability to read data, and payment reception centers are equipped with devices for reading data from such a medium. ! 4. The system according to claim 1, characterized

Description

The utility model relates to the field of automated accounting and payment systems, provides the ability to fully automate the entire process of accounting for consumed services and resources and the payment process and is a WEB-oriented distributed system accessible through a personal computer, cell phone, TV set-top boxes, etc. . having access to a data network.

The payment and settlement system described in patent RU 2289846 C2, adopted for the closest analogue, which contains at least one commercial metering device (PKU) installed at the consumer, at least one resource consumer database, is known from the prior art. a database of a resource supplying organization, a database of events occurring in a resource consumption system, and a database of a financial institution in which payments for consumed resources are made, a device for interfacing with low-level conversion protocols and electronic billing with the ability to configure, store information about the resource consumer and about the recipients of information about the consumption of resources or messages generated when events occur in the resource consumption system and require logging and reaction, a device for initiating and fixing a settlement transaction and a digital certificate generator, designed to issue a digital certificate to each participant of the payment system using the open part of the digital certificate, pre assigned to identify the message in the system, the apparatus fixation initiation and calculated transaction, the interface device, the public database and generator are connected through a data bus, which is a wired or wireless connection, with the possibility of exchanging information by a high level protocol.

The disadvantages of the known technical solution is the need to install consumer metering devices combined with card input and electronic and paper output, and the need to provide the consumer with communication for low-level protocols. As well as limitations in the method and method of payments, that is, the payer must have an electronic invoice. In addition, there are complex schemes for switching on metering devices, their mandatory installation at the consumer, which complicates their control and verification (when installed, for example, in an apartment).

The technical result consists in the creation of a settlement and payment system that provides full automation of the entire process of accounting for consumed services and resources and the payment process and is a WEB-oriented distributed system accessible through a personal computer, cell phone, TV set-top boxes, etc., having access to the data network.

The inventive payment and settlement system includes a central node 1, which processes and transmits messages between service providers, consumers, a bank, points of receipt or debiting from a current account of payments, a user database 2, a database of service providers 3 and financial organizations 4, which are duplicated on the central node, payment acceptance points 5, commercial metering devices 6, databases 7 are included: on charges, on payment, on the current cost of services, readings of commercial metering devices. A virtual electronic card with the ability to exchange and rewrite the above indicators based on the deposited money amounts containing constant information about the consumer, sufficient for its identification, was chosen as a data carrier between consumer commercial metering devices and payment acceptance points. In addition to a virtual electronic card, a consumer can purchase a card with a fixed amount and use it to replenish an electronic current account or pay for services through a PC. A virtual electronic card can be made in the form of a physical medium with an integrated chip, with the ability to read data, and payment reception centers are equipped with data reading devices. Payment acceptance points can be equipped with electronic card readers and writers.

Figure 1 presents the block diagram of the WEB-oriented distributed settlement and payment system, where:

1 - central node;

2 - user database;

3 - database of service providers;

4 - database of financial organizations;

5 - payment acceptance points;

6 - commercial metering devices;

7 - database of charges, payments, readings of metering devices;

8 - user.

The proposed settlement and payment system is accessible through a personal computer or through a personal access node, for example, a cell phone, set-top boxes, etc., having access to a data network. The system includes a central node 1, which processes and transmits messages between service providers, users, the bank, points of reception or debiting from the current account of payments. The user database 2 is distributed and located both at the service providers and at the central node 1, which provides, among other things, the necessary duplication and storage of the database in case of possible accidents. Databases of service providers 3 and financial organizations 4 are duplicated at the central node. Payment can be either non-cash by debiting the consumer’s electronic bank account or cash, and through one-time cards of various denominations: the consumer purchases a card and activates them through a PC or mobile phone, replenishing your account. Write-off from the consumer’s electronic account can be arranged from a PC, cell phone, consumer set-top box. Payment by card, in addition to the above, may be at payment points, in cash at payment points. Payment acceptance points 5 can be organized at banks, savings banks, retail outlets, cash desks of service providers, specially organized by the RCC (cash settlement centers), etc. When paying for services, all necessary payment documents are drawn up and, if necessary, printed. Commercial metering devices 6 are installed in places accessible for maintenance and sealing, providing the consumer with observation of the visual performance of the device. The electronic readings of the device are connected to the databases of the consumer, service provider.

Instrument readings are generated in the instrument readings database for each user, these data in the suppliers database are calculated in the cost of the consumed services and enter the accrual database. Each user has access to a database of meter readings, charges and payments related only to this user, i.e. Access to the databases is authorized and each user is assigned an original identifier. The amount of payment made by the user passes through the database of payments, is reflected at the supplier and reduces the amount of charges.

Thus, the claimed settlement and payment system, consisting of a central node for storing, duplicating and processing data, a distributed database of consumers, the number of services, the volume of each service consumed, provides communication and exchange of consumer data through a personal computer, cell phone, set-top boxes etc. with service providers, banks, payment processing centers of the RCC, metering devices for the volume of consumed services.

Example: payment for a digital TV service. For example, by purchasing a one-time access card, the subscriber replenishes his account. The database of suppliers contains information on the cost of consumed services, which he requests using a PC or cell phone, indicating his unique data. Having received the information, the user pays for the service. The amount of payment made by the user passes through the database of payments and is reflected at the supplier, after which the supplier extends the validity period of the access card for digital packages.

Claims (4)

1. WEB-oriented distributed settlement and payment system, including commercial metering devices (PKU), user databases, database of service providers, database of financial organizations, database of charges, database of payments made, database of readings of commercial metering devices, characterized in that it includes the central node that processes and transfers messages between service providers, users, the bank, points of reception or debiting from the settlement account of payments, while the databases are duplicated at the central node, points of payment, and PC U are installed in places accessible for servicing and sealing, providing the consumer with observation of visual indicators of the device with the possibility of transmitting electronic readings of the device to the databases of users and the databases of service providers. A virtual electronic card is used as an information carrier between the customer’s PKU and payment acceptance points. and rewriting the mentioned indicators, taking into account the amount of money deposited, containing constant information about the consumer, sufficient to identify him ii. 2. The system according to claim 1, characterized in that in addition to the virtual electronic card, it is possible to replenish the electronic current account using a card with a fixed amount or to pay for services through a PC. 3. The system according to claim 1, characterized in that the virtual electronic card is made in the form of a physical medium with an integrated chip with the ability to read data, and payment reception centers are equipped with devices for reading data from such a medium. 4. The system according to claim 1, characterized in that the payment acceptance points can be equipped with readers and writers on electronic cards.