UA31268U - Method for implementation of payment for goods or services with use of discounts - Google Patents

Abstract

Method for implementation of payments for goods or services with application of discounts relates to methods for transfer and processing of information and can be used in area of trade or at delivery of services in different areas for payment for goods or services.

Description

Description of the invention

The useful model belongs to the methods of information transmission and processing and can be used in the field of trade 2 when purchasing goods and/or providing services in various industries to pay for goods and/or services.

A method of confirming the purchase of goods or services at a discount is known, which includes the processing and address delivery of information within the information system, which has computer software and a server, and the transfer of codes, and consumers who wish to participate in the promotion when purchasing goods or services , register on ZM5 in the server of the mobile company, thereby reporting the number of their mobile phone, in response from the server 70 of the mobile company, the consumer is sent to the mobile phone 5M5 with a code and information about the place of purchase, where when buying the product or service for which the promotion is carried out, it is necessary to show the code from the mobile phone, with the help of the cash register system, the code is entered and checked and, if it is correct, the discount for the purchase, which is indicated in advance in the system, is punched (СА 12294), 5БО6Е12/00, 2005).

The specified method is carried out only during the periods of promotions, if a mobile phone is available at the indicated 12 place of purchase. This method cannot be used in other cases to pay for goods or services.

There is a known method of making payments for goods and services using a plastic card, according to which the operator selects the service or product ordered by the client at the terminal and determines their parameters. Information about the state of the client's account is on the client's plastic card (smart card with a chip). If there are no restrictions, a transaction of debiting/crediting the account on the card takes place. A copy of the transaction remains on the terminal.

Once a day, through land lines using a normal modem connection, the terminal connects to a remote server that has a database, resetting the accumulated transaction and obtaining new correct data on the cards (|"Reigo! Reese" System of non-cash payments at gas stations.

This method does not involve the application of special discounts.

There is a known method of making payments for goods and services with the application of discounts, which consists in entering data, in particular the number of the buyer's card, to identify the buyer's card, identifying the identification number 2 of the buyer's card and entering data about each buyer who agreed to the terms of trade, for storage in the database archiving unit, while the buyer selects the required product, after which the identification data is entered into the memory block of the original data array, then the value of the product is read according to the price tag and this data is entered into the data management and processing unit; in this case, the buyer pays for the goods in cash or with the help of a credit card, after which the seller forms the amount of the discount in accordance with the frequency of purchases by this buyer "or the amount of final purchases, and/or the range of purchases, and/or the time of purchase, and/or the amount one-time purchases, after which the generated amount of the discount is returned to the buyer either to a bank account using a credit card, or in the form of additional goods or services, or returned in cash to the buyer, or transferred to the buyer's account (OA 75008 C2, (306020/00 , 20051.

З The specified method is quite difficult to implement, in addition, the generated amount of the discount is returned to the buyer already "9 after the full payment for goods or services.

The closest to the useful model claimed is a method of making payments in a computer network with the application of discounts, which consists in entering data, in particular the number of the buyer's card, to identify "the buyer's card, entering data about each buyer to store in a block database archiving, select the necessary product, after which the identification data is entered into the memory block of the original data array, then - c read the price of the product according to the price tag and enter this data into the control and data processing block; data corresponding to the given identification number and the total previous expenses of the given buyer are entered from the "from" memory block of the original data array into the data management and processing unit, the incoming data are processed in the data management and processing unit, and sent to the new discount generation unit a signal carrying information about a new discount taking into account the cost of the purchase, and a signal carrying information about the cost of the product taking into account the new discount is sent to the input of the product cost formation block taking into account the new discount - and a signal is sent to the memory block of the output data array a signal that carries information about a new discount and about the total costs of the buyer, taking into account the cost of the last purchase, from the memory block of the output array of data, the specified signal enters the database archiving block for storage, from the output of the new discount formation block, and from

Ф 20 of the output of the unit for forming the value of the product taking into account the new discount, the signals are sent to the cash register, at the output of which a paper carrier-ch-ek is formed, which carries information about the cost of the selected product, taking into account the new discount and the amount of this discount, after which payment is made goods by check |KO 2172979 C1,

СОбЕ17/60, 20011.

The specified method is also quite complicated, because with each calculation you need to enter a large amount of data and calculate the amount of the discount separately in each case. In addition, this method does not allow transferring funds to a charity fund.

The useful model is based on the task of creating a simpler, more reliable and more convenient way of making payments for goods or services with the use of discounts and making contributions to charitable funds at the same time. 60 The task is solved by the fact that in the method of making payments for goods or services with the application of discounts, according to which an information system and a client's plastic card are used, for the identification of which data about each client is entered for storage in the server database, the necessary goods or services are ordered and enter data on the cost of goods or services into the server database, according to the useful model, additionally enter into the server database data about sellers of goods or services who have agreed to the terms of granting discounts, when paying for goods or services using a reading device, read information from the plastic card, after that through the operator's terminal, in which the communication module is installed, a request is made to the server's database using the Internet, then the client's plastic card is authenticated using the operator's terminal and the server, establishing an encrypted channel with cryptographic keys, further between the server and the terminal oper using the communication module, the operator conducts a data transaction regarding a discount on goods or services, after that conducts a data transaction regarding the client's charitable contribution as part of the provided discount on goods or services, the data regarding the client's charitable contribution is recorded in the server database, then the data regarding discounts on goods or services, taking into account the client's charitable contribution, are sent from the server database to the operator's terminal, after which the corresponding document is printed on the printer. 70 They can use a plastic smart card with an electronic microchip.

A plastic card with a barcode can be used.

The barcode can be double.

A contactless plastic card can be used.

A four-digit pin code can be additionally entered on the reading device.

The OR-767 terminal can be used as an operator terminal.

A modem can be used as a communication module for wired communication.

As a communication module, you can use the MIMAK, UMi-gY, SOMA, OM, 30 wireless communication node.

Cryptographic keys have a data exchange speed of at least 128 Kbytes.

The data transaction between the server and the operator's terminal takes place within 15-25 seconds.

The document that is printed on the printer can be a check containing information about the amount of the donation

Charity fund, total amount of accumulated donations, words of thanks, etc.

After the end of the work shift, the operator's terminal sends a report on the transactions to the server database.

The report can be sent automatically.

The amount of the charitable contribution is indicated on the plastic card as a single percentage of the discount on goods or services. shi

A single percentage can be, for example, 16.67.

Sellers of goods or services transfer funds to the charity fund.

When making payments for goods or services with the application of discounts, thanks to the use of a plastic sozo card and the information system according to the declared method, it is possible to receive discounts on goods or services using a simplified system and at the same time make contributions to charitable funds. (se)

The method is explained by the drawing, which shows the structural diagram of the system for implementing the provision of a discount on goods or services.

The system for implementing a discount on goods or services includes a plastic card 17, and a plastic smart card with an electronic microchip or with a bar code, which can be double, or a contactless plastic card, a reader device 2, which is combined with 5, can be used with the operator's Z terminal. The OR-767 ROZ terminal can be used as an operator terminal.

The operator's terminal C is connected to the Internet 4 network using a communication module (not shown). As a communication module, a modem can be used for wired communication or a wireless communication node.

UMMAH, UMi-Gi, SOMA, OM, 30. - s Terminal Z of the operator is connected to the server 5 using the Internet 4.

An encrypted channel with cryptographic keys with a bandwidth of at least 128 Kbytes is created between the server and the operator's terminal.

Server 5 has a database. Operator Z's terminal has a personal system of reports on completed transactions. Operators 7 of external applications, namely, transaction operators, customer manager, local network administrator, etc., are connected to the router 5 over the local network to ensure the operational operation of the system.

The method of granting discounts on goods or services is carried out as follows. First, the client orders the necessary product or service, then enters data on the cost of the goods or

Ф services to the server database 5. Next, when paying for a product or service using a reading device 2 5r Read information from a plastic card 1, on which the amount of the charitable contribution is indicated as a single percentage of the discount on goods or services, which can be , for example, 16.67. To increase security, a four-digit pin code is entered on the reader device 2, which can be a keyboard at the same time. After that, through the operator's terminal 3, in which the communication module is installed, a request is made to the server database 5 using the Internet 4 Next, the client's plastic card 1 is authenticated using the operator's Z terminal and server 5, establishing an encrypted channel with cryptographic keys between the server and the terminal. Between server 5 and the operator's terminal Z, using a communication module (not shown), a data transaction is carried out regarding a discount on goods or services. After that, a transaction of data regarding the client’s charitable contribution as part of the provided discount on goods or services is carried out between the operator’s terminal Z and server 5. The data regarding the client’s charitable contribution is recorded in the database of the server 5. Then the data regarding the discount on because the goods or services, taking into account the charitable contribution, are sent from the database of the server 5 to the terminal of the operator 3, after which on the printer (not shown) prints the corresponding document, for example, a check. This check contains, but is not limited to, information about the amount of the donation to the Charitable Fund, the total amount of accumulated donations, words of thanks, etc. Sellers of goods or services transfer funds to the charity fund independently. 65 Operators of 7 external applications, namely, transaction operators, customer manager, local network administrator, etc., ensure the operational operation of the technology.

After the end of the work shift, a variable report on the completed transactions is transferred to the server database 5 from the terminal of the operator Z, or it happens automatically.

Claims (17)

2 Formula of the invention 1. The method of making payments for goods or services with the application of discounts, which consists in using the information system and the client’s plastic card, for identification of which data about 7/0. Each client is stored in the server database, the necessary goods or services are ordered and data on the cost of goods or services are entered into the server database, which is distinguished by the fact that data about sellers of goods or services who have agreed to the terms of provision are additionally entered into the server database discounts, when paying for goods or services with the help of a reading device, information is read from the plastic card, after that through the operator's terminal, in which the communication module is installed, a request is made to the server database using the Internet, then the client's plastic card is authenticated by using the operator's terminal and the server, establishing an encrypted channel with cryptographic keys, then between the server and the operator's terminal with the help of a communication module, a data transaction is carried out regarding a discount on goods or services, after that a data transaction is carried out regarding the client's charitable contribution as part of the provided discount on goods or services, data on benefits the client's contribution is recorded in the Server's database, then the data on the discount on goods or services, taking into account the client's charitable contribution, is sent from the server's database to the operator's terminal, after which the corresponding document is printed on the printer. 2. The method according to claim 1, which differs in that a plastic smart card with an electronic microchip is used. 3. The method according to claim 1, which differs in that a plastic card with a barcode is used. 4. The method according to claim 3, which differs in that a double barcode is used. 5. The method according to claim 1, which differs in that a contactless plastic card is used. - 6. The method according to claim 1, which differs in that a four-digit pin code is additionally entered on the reader. 7. The method according to claim 1, which differs in that the operator's terminal uses the ОР-767 РОЗ terminal. 8. The method according to claim 1, which differs in that a modem is used as a communication module to work on a so-so wired connection. 9. The method according to claim 1, which differs in that the wireless communication node (se) UMIMAH, UMi-gi, SOMA, O5M, 30. sch is used as a communication module 10. The method according to claim 1, which is characterized by the fact that cryptographic keys with a data exchange rate of at least 128 Kbytes are used. what: 11. The method according to claim 1, which differs in that the data transaction between the server and the operator's terminal c takes place within 15-25 seconds. 12. The method according to claim 1, which differs in that the document printed on the printer is a check containing information about the amount of the donation to the Charity Fund, the total amount of accumulated donations, words of thanks, etc. "20 13. The method according to claim 1, which differs in that after the end of the work shift, the operator's terminal 7 transmits a report on the transactions carried out to the server database. with 14. The method according to claim 13, which is characterized by the fact that the report is transmitted automatically. :with" 15. The method according to claim 1, which differs in that the amount of the charitable contribution is indicated on the plastic card as a single percentage of the discount on goods or services. 16. The method according to claim 15, which differs in that the only percentage is 16.67. with 17. The method according to claim 1, which differs in that the funds are transferred to the charity fund by sellers of goods or services. - ko (22) ii") with 60 b5