UA30239U - Method for implementation of electronic settlements - Google Patents

Abstract

Method for implementation of electronic settlements includes implementation of payment transaction by electronic notification on payment transaction sent from center for transaction processing through network of data transfer to subscriber’s mobile phone and back electronic notice from subscriber sent from subscriber’s mobile phone through network for data transfer to center for transaction transfer. Back notification that is sent from subscriber’s mobile phone to center for transaction processing includes short information only and can consist only of word “yes” or word “no” or code (combination of letters and / or numbers(, entering and sending which to center for transaction processing confirms or does not confirm that subscriber agrees to perform payment transaction with respect to electronic notification sent from center for transaction processing to subscriber’s mobile phone, and after implementation of payment transaction to subscriber’s having taken part in it mobile phone from center for transaction processing electronic notice is sent on state of performance of that payment transaction.

Description

Description of the invention

The useful model refers to data processing methods specially designed for commercial and 2 management applications, in particular, to the implementation of electronic calculations using automated systems and databases, and can be used to organize calculations of mobile subscribers.

Modern means of automation and communication allow you to make payments for goods and services both cashless and in cash remotely. The rapid spread and popularity of mobile communication leads to the need to create, develop and improve payment systems using it.

A known method of performing electronic settlements includes the client providing data for billing through the remote client authorization electronic interface, providing the client with billing data for verification and requesting instructions for paying the bill through the electronic means of providing the bill, as well as withdrawing the due amount from the client's associated current account in an associated financial institution after receiving appropriate payment instructions from the client (KO, patent for invention Mo2217793, class 72 (З06Е17/60, publ. 11/27/2003).

The service of payment by the appropriate method requires the use of certain computer equipment by the client, which complicates and limits its use.

The closest is the method of making electronic payments, which includes carrying out a payment transaction based on an electronic message regarding the payment transaction sent from the mobile phone of the mobile subscriber through the data transmission network to the transaction processing center (USA, patent for the invention

Mob 4840 C2, cl. СОбЕ17/60, НО4М17/00, publ. 15.03.2004). Settlement refers to a payment made from the buyer's account at the buyer's financial institution to the seller's account at the seller's financial institution. At the same time, the seller and buyer are identified in the payment transaction processing center, at least one unique transaction code is generated, the transaction amount is blocked, and the payment transaction is carried out after the buyer transmits the unique transaction code to the payment transaction processing center through the data transmission network. A mobile operator can be used as a financial institution of the buyer and/or seller.

The disadvantage of the known method is complexity, duration and unreliability, in particular due to the need to repeatedly send and receive messages, confirmations, voice or other instructions, which may be unclear, distorted due to poor communication and other disturbances. This reduces the security of the method, which is especially important when conducting monetary transactions. co

The task of the useful model is to improve the method of electronic settlements, which offers the technical possibility of automated execution of all technical and technological procedures necessary for conducting electronic settlements - entering the bank details of the parties, the amount of the payment, confirming the correctness of the entered information, and so on, which are mandatory when conducting a 3-way payment transaction between subjects of electronic settlements without the participation of the subscriber, which significantly simplifies and speeds up the conduct of electronic payments while increasing the reliability and security of their execution.

In addition, the proposed system makes it possible to significantly increase the security of electronic payments, thanks to the introduction of such additional parameters for monitoring the execution of payment transactions, such as: outgoing and incoming "identification of the mobile phone number of the subscriber to whom an electronic message regarding the payment transaction was sent from the transaction processing center 50, and from which an electronic message was received regarding confirmation or denial of this transaction; verification of the identity of the code sent to the subscriber from his mobile phone to confirm the transaction with the code entered by the subscriber during his registration in the system; verification of additional parameters of electronic payments, such as the list of possible recipients of electronic payments, the maximum permissible frequency of payments (for example, no more than once a month), the maximum amount of the transaction, and others that were entered into the system by the subscriber during his registration in the system with the actual parameters. o The task is solved by the proposed method of carrying out electronic settlements, which includes carrying out a payment transaction based on an electronic message regarding the payment transaction sent from the transaction processing center through the data transmission network to the subscriber's mobile phone, and a return electronic message from the subscriber sent from the subscriber's mobile phone through a data transmission network to a transaction processing center, which contains only brief information and can only consist of the word "yes" or the word "no" or a code (a combination of letters and/"or numbers), which is entered and sent to the center processing of transactions confirms or does not confirm the consent of the subscriber to protest the payment transaction, regarding the electronic message sent from the transaction processing center to the mobile phone of the subscriber, and after conducting 29 payment transactions, an electronic message is sent from the transaction processing center to the mobile phone of the subscriber who participated in it notices regarding hundred Well, the execution of this payment transaction.

To provide technical support for this method of electronic payments, we have developed a system that includes transaction processing centers of electronic payment entities (financial and credit institutions and other economic entities) connected via a data transmission network with mobile terminals in the form of mobile phones of 60 subscribers into which an additional transaction processing center is integrated, which, instead of the subscriber, automatically performs all technical and technological procedures for conducting electronic settlements - entering the bank details of the parties, the amount of the payment, confirming the correctness of the entered information, and so on, which are mandatory when conducting a payment transaction between subjects of electronic settlements.

Briefly, the practical application of the proposed method of conducting electronic calculations can be presented in the following form.

The transaction processing center receives an electronic message from a certain business entity regarding the need to conduct electronic settlements with a certain subscriber. These data are checked with the data entered by the subscriber during registration. If no discrepancies are found, the transaction processing center through

An electronic message about this transaction is sent to the data transmission network to the subscriber's mobile phone. If the subscriber wishes to make electronic payments regarding the electronic message he received from the transaction processing center, he sends a certain code from his mobile phone to the transaction processing center, which confirms the subscriber's consent. This code is being checked. If no errors are detected, the transaction processing center generates the necessary electronic message and sends it to the financial and credit institution where the money account from which the subscriber wishes to make a payment is located. The transaction processing center and the electronic transaction processing center of the financial and credit institution conduct cross-checks of the correctness of electronic messages regarding the payment transaction. If no errors are detected, the financial and credit institution performs electronic calculations in accordance with the received electronic message. After making the calculations, the financial and credit institution sends an electronic message /5 to the transaction processing center regarding the made calculations. The correctness of the calculations is checked. If no errors are detected, the transaction processing center sends an electronic message to the subscriber's mobile phone confirming that certain electronic payments have been made.

Implementation of this useful model will allow to achieve the following technical results. 1. To reduce the subscriber's time spent on a payment transaction from 2-3 minutes to 3-5 seconds. 2. To reduce the number of actions that the subscriber needs to perform for electronic settlement from 3-6 to one. 3. Increase the safety of electronic payments by introducing additional control parameters, such as the subscriber's mobile phone number, payment transaction confirmation code, payment transaction parameters - the list of subscribers to whose accounts electronic transfers are allowed, the terms and frequency of such payments, and other 4. Increase the security of electronic payments due to the fact that only the confirmation code of the payment transaction is sent to the open air, through the data transmission network, without specifying the data regarding the subscriber's money accounts, access codes to them, etc.

In the following, the useful model is explained with the help of an example. F zo Example

The useful model is used for making electronic payments of the population for the consumed communal services. An individual (subscriber) who wishes to switch to this form of settlement with the utility company, which provides certain services to this individual, concludes a contract and registers in the electronic data processing center. When registering a natural person in the electronic payment system, he provides all the information necessary for further work: the address of his place of residence or the address of the apartment for which he will pay utility bills; the number of your money account from which further transfers will be made; details of the financial and credit institution (bank) in which this money account is located; details of the payee; indicates exactly which services it will pay through this electronic payment system and to which recipient the funds should be transferred; terms of making payments - not more often than once a month or an amount not greater than a certain amount (stipulated in the contract); your mobile phone number, from which electronic messages (electronic payments) should be received. regarding the services consumed and the fee charged for them; an electronic code, the sending of which to the operator in the form of a ЗМ5-message in response to receiving an electronic payment is an order to carry out a payment transaction for payment of consumed services; etc.

Every month (on a precisely set deadline), housing and communal services send to the center of electronic data processing an electronic message for each subscriber of the electronic payment system, regarding the volumes of services consumed by them, and the amount of money that must be paid by subscribers for their consumption. These ("in") data are processed and sent to subscribers' mobile phones in the form of an electronic message

Ф (electronic payment is an analogue of paper bills that are sent to every consumer of utility services every month). If the subscriber wishes to make a payment transaction based on the received electronic message (electronic "with payment") for payment of the consumed utility services; he sends a return electronic message to the operator of electronic settlements, in the form of a code (combination of letters, numbers, etc.) that was entered by this subscriber during his registration in the system, and serves as confirmation of the subscriber's consent to make this payment.

The subscriber's electronic message received by the operator is processed: the identity of the code entered during registration and the code received by electronic message is checked; the identity of the numbers from the mobile phone to which the electronic payment was sent and the number from which the message with the subscriber code was received is checked; all information necessary for further electronic settlements is checked in the database of the operator of electronic settlements. 60 If, as a result of the check, no violations or discrepancies are found, the operator of electronic payments, on behalf of the subscriber, sends an electronic message regarding this payment transaction to the electronic data processing center of the financial and credit institution (bank) where the subscriber's money account is located. This financial and credit institution transfers the funds specified in the electronic message from the specified cash account (the cash account of the subscriber of the electronic payments operator) to the 65 current account of the utility company that provided certain services, and sends an electronic message about the execution of this order (payment) the operator The electronic message received from the financial and credit institution regarding the execution of the payment is being processed. If no errors are detected, the operator sends an electronic message to the subscriber's mobile phone, which certifies the subscriber's payment of funds for the consumed utility services. Next month, this operation is repeated again according to the above scheme.

The electronic payment took three minutes, no errors were found in the calculation. The subscriber's time spent on electronic payment was 5 seconds.

Thus, the proposed group of inventions makes it possible to significantly simplify and speed up electronic calculations while increasing the reliability and safety of their execution.

Claims (2)

The formula of the invention 1. The method of making electronic payments, which includes conducting a payment transaction based on an electronic message regarding the payment transaction sent from the transaction processing center via the data transmission network to the subscriber's mobile phone, and the subscriber's return electronic message sent from the subscriber's mobile phone via the data transmission network to the center transaction processing, which differs in that the return message sent from the subscriber's mobile phone to the transaction processing center contains only brief information and can only consist of the word "yes" or the word "no" or a code (a combination of letters and/or numbers ), the entry and sending of which to the transaction processing center confirms or does not confirm the subscriber's consent to conduct a payment transaction regarding the electronic message sent from the transaction processing center to the subscriber's mobile phone, and after the payment transaction to the mobile phone of the subscriber who participated in it, with center An electronic message is sent to the transaction center regarding the status of the payment transaction. 2. The method according to claim 1, which differs in that all the necessary technical and technological procedures - entering the bank details of the parties, the payment amount, checking and/or confirming the correctness of the entered information, which are mandatory when conducting a payment transaction between entities electronic payments are performed automatically in the transaction processing center without the participation of the subscriber. Official Bulletin "Industrial Property". Book 1 "Inventions, useful models, topographies of integrated microcircuits", 2008, M 4, 25.10.2008. State Department of Intellectual Property of the Ministry of Education and Science of Ukraine. with o Zo «o - and? o o ko o (32) 60 b5