WO1998014899A1 - Dispositif permettant d'effectuer des compensations bancaires reciproques et electroniques entre les utilisateurs de ce dernier - Google Patents

Dispositif permettant d'effectuer des compensations bancaires reciproques et electroniques entre les utilisateurs de ce dernier Download PDF

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Publication number
WO1998014899A1
WO1998014899A1 PCT/RU1997/000302 RU9700302W WO9814899A1 WO 1998014899 A1 WO1998014899 A1 WO 1998014899A1 RU 9700302 W RU9700302 W RU 9700302W WO 9814899 A1 WO9814899 A1 WO 9814899A1
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node
vχοdοv
blοκa
vτοροy
unit
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PCT/RU1997/000302
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English (en)
Russian (ru)
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Viktor Anatolievich Scherbanov
Sergei Borisovich Kozlov
Lidiya Vasilievna Bryantseva
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Vagner, Andrei Edvinovich
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Publication of WO1998014899A1 publication Critical patent/WO1998014899A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits

Definitions

  • the device contains a user input unit, unit 5 for user identification, an indication unit, an operation unit, and a memory unit.
  • the keypad is equipped with an 8-bit microprocessor and memory ⁇ .
  • the handheld is protected from the risk of an unauthorized access to the information recorded in it, in addition to any other non-compliant process Registration System ⁇ . ⁇ . ⁇ . ⁇ . Comparatively effective and reliable, however, for the purpose of making cashless transactions, they require special processing of the terminal.
  • the Intellectual system with a microprocessor is known to be used in the calculating system ⁇ ⁇ ⁇ ⁇ (( transaction ⁇ t ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇
  • memory is a component of a group of informational devices.
  • 25 s ⁇ de ⁇ z haschim ⁇ e ⁇ vuyu and v ⁇ uyu g ⁇ u ⁇ y elemen ⁇ v And ⁇ e ⁇ vy and v ⁇ y elemen ⁇ y And summa ⁇ , vychi ⁇ a ⁇ el, elemen ⁇ OR ⁇ e ⁇ vy ⁇ egis ⁇ , v ⁇ y ⁇ egis ⁇ , vy ⁇ dy ⁇ g ⁇ ⁇ b ⁇ azuyu ⁇ v ⁇ uyu g ⁇ u ⁇ u vy ⁇ d ⁇ v node and ⁇ d ⁇ lyucheny ⁇ ⁇ e ⁇ vym v ⁇ dam elemen ⁇ v And ⁇ e ⁇ v ⁇ y g ⁇ u ⁇ y, g ⁇ u ⁇ a vy ⁇ d ⁇ v ⁇ y ⁇ d ⁇ lyuchena ⁇ ⁇ dn ⁇ imennym in ⁇ ⁇ dam ⁇ e ⁇ v ⁇ y g ⁇ u ⁇ y v ⁇ d ⁇ v summa ⁇ a, v ⁇ aya g ⁇ u
  • Fig. 1 a block diagram of the device for non-cash electronic payments between its users is provided.
  • Fig. 2 a functional diagram of the unit for performing operations is introduced.
  • FIG. 3 the functional diagram of the user identification block is shown.
  • Fig. 5 the functional diagram of the control unit is shown. 35 ⁇ a ⁇ ig.6 ⁇ eds ⁇ avlena with ⁇ EMA assembly vy ⁇ lneniya ⁇ e ⁇ atsii ⁇ u ⁇ i. 10
  • FIG. 7 the functional diagram of the operating unit for the operation is shown.
  • Fig. 8 the functional diagram of the unit for performing the operation of the collection circuit is introduced. 5
  • Fig. 9 a diagram of the assembly unit for the operation of collection is presented.
  • the first group of outputs of unit 8 and the third group of outputs of the device are connected between themselves and the direct connection of 48.
  • Block 6 of the operating system contains the unit 49 of the operating unit, node 50 of the operating unit, node 51 of the operating unit, unit 52 of the operating unit ⁇ a ⁇ ig. 2 ⁇ a ⁇ e ⁇ azany sedm ⁇ y vy ⁇ d node 49 being shes ⁇ ym you ⁇ ⁇ d ⁇ m bl ⁇ a, ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 46 shes ⁇ y vy ⁇ d node 49 and ⁇ e ⁇ y v ⁇ d assembly 50, s ⁇ edinennye between s ⁇ b ⁇ y, ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 54 ⁇ ya ⁇ y vy ⁇ d node 49 and v ⁇ y v ⁇ d assembly 50, s ⁇ edinennye between s ⁇ b ⁇ y, ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 55 ⁇ e ⁇ y
  • the fourth-sixth in ⁇ odes of the node 49 which are respectively the first 32, V ⁇ ym 13, 33, 34 and che ⁇ ve ⁇ ym ⁇ e ⁇ im 11 v ⁇ dami bl ⁇ a 6 ⁇ e ⁇ vaya - ⁇ e ⁇ ya g ⁇ u ⁇ a vy ⁇ d ⁇ v assembly 50, are s ⁇ ve ⁇ s ⁇ venn ⁇ ⁇ e ⁇ v ⁇ y- ⁇ e ⁇ ey g ⁇ u ⁇ ami 36-38 vy ⁇ d ⁇ v bl ⁇ a 6 ⁇ e ⁇ vaya g ⁇ u ⁇ a vy ⁇ d ⁇ v node 53, s ⁇ ve ⁇ s ⁇ vuyuschaya ⁇ ya ⁇ y g ⁇ u ⁇ e 45 vy ⁇ d ⁇ v bl ⁇ a 6 v ⁇ y vy ⁇ d node 53, which is the fifth exit
  • ⁇ a ⁇ ig. 3 ⁇ azan ⁇ ime ⁇ ⁇ n ⁇ e ⁇ n ⁇ y ⁇ ealizatsii bl ⁇ a 2 iden ⁇ i ⁇ i ⁇ atsii ⁇ lz ⁇ va ⁇ elya, ⁇ y s ⁇ de ⁇ zhi ⁇ elemen ⁇ and 65 th ⁇ e ⁇ vy ⁇ egis ⁇ 66 v ⁇ y ⁇ egis ⁇ 67 s ⁇ emu s ⁇ avneniya 68 elemen ⁇ zade ⁇ zh ⁇ i 69.
  • ⁇ a ⁇ ig.Z ⁇ a ⁇ zhe ⁇ azany ⁇ e ⁇ vy v ⁇ d bl ⁇ a 2 iden ⁇ i ⁇ i ⁇ atsii ⁇ lz ⁇ va ⁇ elya, s ⁇ edinenny with ⁇ e ⁇ vym v ⁇ d ⁇ m elemen ⁇ a aND 65 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 14 g ⁇ u ⁇ a v ⁇ d ⁇ v bl ⁇ a 2 s ⁇ edinennaya with g ⁇ u ⁇ y in ⁇ matsi ⁇ nny ⁇ v ⁇ d ⁇ v ⁇ e ⁇ v ⁇ g ⁇ ⁇ egis ⁇ a 66 and g ⁇ u ⁇ y in ⁇ matsi ⁇ nny ⁇ v ⁇ d ⁇ v v ⁇ g ⁇ ⁇ egis ⁇ a 67, ⁇ 5 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 15 v ⁇ y v ⁇ d
  • Unit 3 of the information for operation (Fig. 4) contains
  • Unit 3 72 the fourth group of 19 inputs of unit 3, connected to the front 14 g ⁇ u ⁇ y in ⁇ matsi ⁇ nny ⁇ v ⁇ d ⁇ v ⁇ e ⁇ v ⁇ g ⁇ ⁇ egis ⁇ a 71, 20 ⁇ e ⁇ ya g ⁇ u ⁇ a v ⁇ d ⁇ v bl ⁇ a 3 s ⁇ edinenny ⁇ with che ⁇ ve ⁇ y g ⁇ u ⁇ y in ⁇ matsi ⁇ nny ⁇ v ⁇ d ⁇ v ⁇ e ⁇ v ⁇ g ⁇ egis ⁇ a 71, 21 ⁇ e ⁇ vaya g ⁇ u ⁇ a v ⁇ d ⁇ v bl ⁇ a 3 s ⁇ edinenny ⁇ s ⁇ v ⁇ y g ⁇ u ⁇ y in ⁇ matsi ⁇ nny ⁇ v ⁇ d ⁇ v ⁇ e ⁇ v ⁇ g ⁇ ⁇ egis ⁇ a 71, 22 v ⁇ aya g ⁇ u ⁇ a v ⁇ d ⁇ v bl ⁇ a 3
  • Unit 49 of the operating unit contains the first-fourth unit 82-85, unit-86 of the first and fourth unit OR 94.
  • the unit is also open v ⁇ sm ⁇ g ⁇ elemen ⁇ a AND 93 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 11 ⁇ e ⁇ y v ⁇ d node 49, s ⁇ edinenny s ⁇ v ⁇ ym inve ⁇ snym in ⁇ ⁇ d ⁇ m sedm ⁇ g ⁇ elemen ⁇ a AND 92 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 39 che ⁇ ve ⁇ y v ⁇ d node 49, s ⁇ edinenny with ⁇ e ⁇ im v ⁇ d ⁇ m sedm ⁇ g ⁇ elemen ⁇ a AND 92 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 32 , seventh entrance of node 49, connected
  • the sixth eastern element AND 91 which corresponds to position 34, 15 ⁇ ya ⁇ y v ⁇ d node 49, with s ⁇ edinenny ⁇ e ⁇ vym v ⁇ d ⁇ m ⁇ e ⁇ v ⁇ g ⁇ deshi ⁇ a ⁇ a 82 with ⁇ e ⁇ vym v ⁇ d ⁇ m v ⁇ g ⁇ deshi ⁇ a ⁇ a 83 with ⁇ e ⁇ vym v ⁇ d ⁇ m ⁇ e ⁇ eg ⁇ deshi ⁇ a ⁇ a 84 with ⁇ e ⁇ vym v ⁇ d ⁇ m che ⁇ ve ⁇ g ⁇ deshi ⁇ a ⁇ a 85 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 33 v ⁇ aya g ⁇ u ⁇ a v ⁇ d ⁇ v node 49, with s ⁇ edinenny ⁇ ⁇ e ⁇ v ⁇ y
  • OR 94 which is the fourth exit of node 49, which corresponds to position 58; the output of the fifth element And 90, connected to the fourth input of the OR element 96, which is the first output of the node 49, which is connected to the 57th output, which is connected to the 91
  • 25 g ⁇ u ⁇ y v ⁇ d ⁇ v summa ⁇ a 99 are ⁇ e ⁇ v ⁇ y g ⁇ u ⁇ y vy ⁇ d ⁇ v assembly 50, ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 36 vy ⁇ d elemen ⁇ a and 97, with a ⁇ s ⁇ edinenny ⁇ d ⁇ m za ⁇ isi ⁇ e ⁇ v ⁇ g ⁇ ⁇ egis ⁇ a 102 with ⁇ e ⁇ vym v ⁇ d ⁇ m elemen ⁇ a OR 101; you ⁇ ⁇ d v ⁇ g ⁇ elemen ⁇ a and 98, s ⁇ edinenny s ⁇ v ⁇ ym v ⁇ d ⁇ m elemen ⁇ a OR 101, you ⁇ ⁇ dy summa ⁇ a 99 s ⁇ edinennye with in ⁇ matsi ⁇ nnymi v ⁇ dami v ⁇ g ⁇ z ⁇ ⁇ egis ⁇ a 103 and ⁇ e ⁇ v ⁇
  • Node 51 of the operating system (Fig. 7) contains elements AND
  • Node 52 of the execution of the operation of the removal of the collection section contains the element 111, register 1 2, the comparison 113.
  • 8 ⁇ a ⁇ zhe ⁇ azany: v ⁇ aya g ⁇ u ⁇ a v ⁇ d ⁇ v node 52 vy ⁇ lneniya ⁇ e ⁇ atsii ⁇ dleniya s ⁇ a in ⁇ assatsii, s ⁇ edinennye with ⁇ e ⁇ v ⁇ y g ⁇ u ⁇ y v ⁇ d ⁇ v s ⁇ emy s ⁇ avneniya 113 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇ zitsiya 63 ⁇ e ⁇ vaya g ⁇ u ⁇ a v ⁇ d ⁇ v node 52 s ⁇ edinenny ⁇ z ⁇ with in ⁇ matsi ⁇ nymi v ⁇ dami ⁇ egis ⁇ a 112 ⁇ ym s ⁇ ve ⁇ s ⁇ vue ⁇ ⁇
  • Node 53 of the execution of the collection operation contains element 114, element 115, pulse generator 116, register 117, first and
  • the device operates the following way.
  • Ban ⁇ in m ⁇ men ⁇ issuing us ⁇ ys ⁇ va sv ⁇ emu ⁇ lien ⁇ u ( ⁇ lz ⁇ va ⁇ elyu z ⁇ us ⁇ ys ⁇ va) ⁇ v ⁇ di ⁇ av ⁇ izatsiyu us ⁇ ys ⁇ va, za ⁇ lyuchayuschuyusya in entering in ⁇ e ⁇ vy ⁇ egis ⁇ 66 bl ⁇ a 2 iden ⁇ i ⁇ i ⁇ atsii ⁇ lz ⁇ va ⁇ elya ⁇ da "Pa ⁇ lya” ⁇ lz ⁇ va ⁇ elya in che ⁇ ve ⁇ y ⁇ egis ⁇ 70 bl ⁇ a 3 ⁇ mi ⁇ vaniya in ⁇ matsyi ⁇ b ⁇ e ⁇ atsii - ban ⁇ vs ⁇ i ⁇ ⁇ e ⁇ mul ⁇ v ⁇ lz ⁇ va ⁇ elya and eg ⁇ ⁇ y ⁇ y
  • the key is, in the first register 102 of the node 50 of the operating procedure - the limit
  • the user can independently change the device’s password, and in case of interaction with other users (the bank’s) ⁇ zaim ⁇ deys ⁇ vuya with ban ⁇ m, ⁇ lz ⁇ va ⁇ el m ⁇ zhe ⁇ vy ⁇ lnya ⁇ ⁇ e ⁇ atsii "P ⁇ dlenie s ⁇ a in ⁇ assatsii” (us ⁇ an ⁇ vlenie n ⁇ v ⁇ g ⁇ s ⁇ a in ⁇ assatsii), "In ⁇ assatsiya” ( ⁇ e ⁇ edacha in ⁇ matsii ⁇ vy ⁇ lnenny ⁇ ⁇ e ⁇ atsiya ⁇ of bl ⁇ a 8 ⁇ amya ⁇ i in ban ⁇ ), "Us ⁇ an ⁇ v ⁇ a” (us ⁇ an ⁇ v ⁇ a n ⁇ v ⁇ y amount limi ⁇ a ⁇ u ⁇ ).
  • Block 8 of memory is executed on the basis of non-disruptive memory, for example, static memory with a free battery. If any of the listed operations is performed, the correct combination of the password for the digital input unit is not applicable to the user.
  • the user interface is operated by the user by pressing the corresponding function key 1 of the information input box
  • the device is ready to accept the “Perform the operation” command, which is available to the user by pressing the corresponding button (not available) P ⁇ i michha ⁇ ii e ⁇ y ⁇ n ⁇ i on ⁇ e ⁇ v ⁇ m vy ⁇ de 18 bl ⁇ a 1 us ⁇ anavlivae ⁇ sya "l ⁇ giches ⁇ aya 1" ⁇ s ⁇ u ⁇ ayuschaya on v ⁇ y v ⁇ d 18 ⁇ e ⁇ v ⁇ g ⁇ elemen ⁇ a AND 76 bl ⁇ a 3 ⁇ mi ⁇ vaniya in ⁇ matsii ⁇ b ⁇ e ⁇ atsii in ⁇ ezul ⁇ a ⁇ e cheg ⁇ s ⁇ mi ⁇ vannaya on ⁇ e ⁇ v ⁇ y-shes ⁇ y g ⁇ u ⁇ a ⁇ v ⁇ d ⁇ v ⁇ egis ⁇ a 71 bl ⁇ a 3 ⁇ e ⁇ vaya Part in ⁇ matsii ⁇ b ⁇ e ⁇ atsii w za ⁇
  • P ⁇ i ⁇ s ⁇ u ⁇ lenii signal "l ⁇ giches ⁇ aya 1" (s ⁇ ve ⁇ s ⁇ vue ⁇ s ⁇ by ⁇ iyu "G ⁇ vn ⁇ s ⁇ ” vneshneg ⁇ us ⁇ ys ⁇ va) on ⁇ e ⁇ vy u ⁇ avlyayuschy v ⁇ d us ⁇ ys ⁇ va 9, Part v ⁇ aya in ⁇ matsii ⁇ b ⁇ e ⁇ atsii ⁇ ⁇ e ⁇ ednemu ⁇ n ⁇ u e ⁇ g ⁇ signal za ⁇ isyvae ⁇ sya v ⁇ v ⁇ y ⁇ egis ⁇ 72 bl ⁇ a 3. Pa ⁇ alleln ⁇ on vy ⁇ de 25
  • Unit 73, unit 3 is equipped with information for starting up the unit 23 of unit 4 unit 4
  • Pa ⁇ alleln ⁇ signal "l ⁇ giches ⁇ aya 1" (s ⁇ ve ⁇ s ⁇ vue ⁇ s ⁇ by ⁇ iyu "Pus ⁇ ” us ⁇ ys ⁇ va) s ⁇ v ⁇ g ⁇ vy ⁇ da 25 bl ⁇ a 3 ⁇ s ⁇ u ⁇ ae ⁇ on ⁇ e ⁇ vye v ⁇ dy 25 bl ⁇ v 4 and 5 and v ⁇ y v ⁇ d 33 bl ⁇ a 6 vy ⁇ lneniya ⁇ e ⁇ atsy and ⁇ az ⁇ eshae ⁇ ⁇ ab ⁇ u e ⁇ i ⁇ bl ⁇ v. ⁇ ome ⁇ , on the first
  • ⁇ ⁇ aches ⁇ ve au ⁇ en ⁇ i ⁇ i ⁇ atsi ⁇ nn ⁇ g ⁇ ⁇ da ⁇ in ⁇ matsii is ⁇ lzuyu ⁇ sya bi ⁇ y 32-64 bl ⁇ a M, ⁇ luchenn ⁇ g ⁇ in ⁇ ezul ⁇ a ⁇ e vy ⁇ lneniya ⁇ isanny ⁇ ⁇ e ⁇ atsy.
  • the device is compatible with and is disposed of in an external device for the use of a user license.
  • P ⁇ i ⁇ s ⁇ u ⁇ lenii signal "l ⁇ giches ⁇ aya 1" from vneshneg ⁇ us ⁇ ys ⁇ va (s ⁇ ve ⁇ s ⁇ vuyuschaya s ⁇ by ⁇ iyu "P ⁇ d ⁇ is s ⁇ mi ⁇ vana") th to ⁇ e ⁇ y u ⁇ avlyayuschy v ⁇ d 10 us ⁇ ys ⁇ va and s ⁇ ve ⁇ s ⁇ venn ⁇ on v ⁇ y v ⁇ d 10 bl ⁇ a 5 ⁇ ve ⁇ i ele ⁇ nn ⁇ y tsi ⁇ v ⁇ y ⁇ d ⁇ isi nachinae ⁇ sya vy ⁇ lnya ⁇ sya alg ⁇ i ⁇ m ⁇ ve ⁇ i ele ⁇ nn ⁇ y tsi ⁇ v ⁇ y ⁇ d ⁇ isi C ⁇ d ⁇ y ⁇ s ⁇ u ⁇ ae ⁇ from an external device to a unit of input 13 of
  • ⁇ sli ⁇ d ⁇ is not ⁇ avilnaya
  • the “logical 1” signal is set if the user is set to “disable” the device.
  • the “logical 1” signal is set, if the external device is set to the corresponding “Launch” operation.
  • the “logical 1” signal is set, which complies with the corresponding installed device. This signal will interrupt the operation of the corresponding unit of the unit 6 for executing the operations (the operation of the security unit will be described below).
  • unit 8 Information with the online group of information On 25 inputs 23,13,30, unit 8 is stored in a negative address, installed on the outputs of 45 multiplexes 122 nodes 53 of the collection of access systems that are accessible to 45 users.
  • a parallel signal from the output of 43 eighth element and 93 nodes 49 runs on
  • node 53 ⁇ egis ⁇ e 117 vy ⁇ lneniya ⁇ e ⁇ atsii in ⁇ assatsii ⁇ ani ⁇ sya ad ⁇ es ⁇ sledney yachey ⁇ i bl ⁇ a 8 ⁇ amya ⁇ i in ⁇ e ⁇ v ⁇ m sche ⁇ chi ⁇ e 118 node 53 - ⁇ e ⁇ uschy ad ⁇ es, ⁇ ye s ⁇ avnivayu ⁇ sya v ⁇ y s ⁇ em ⁇ y s ⁇ avneniya 121.
  • P ⁇ i ⁇ yavlenii signal "l ⁇ giches ⁇ aya 1" vy ⁇ de 42 v ⁇ y Comparison diagrams of 121 nodes 53, it is connected to the first input 42 of the node 49 of the operation and installation
  • node 52 (ch ⁇ s ⁇ ve ⁇ s ⁇ vue ⁇ is ⁇ echeniyu s ⁇ a in ⁇ assatsii) ⁇ n ⁇ s ⁇ u ⁇ ae ⁇ on v ⁇ y v ⁇ d 40 u ⁇ avleniya ⁇ e ⁇ atsiyami node 49 in ⁇ ezul ⁇ a ⁇ e cheg ⁇ on vy ⁇ da ⁇ ⁇ e ⁇ vy ⁇ - ⁇ e ⁇ i ⁇ elemen ⁇ v node 49 and 86-88 us ⁇ anavlivae ⁇ sya signal "l ⁇ giches ⁇ y 0" and thus ⁇ em za ⁇ eschae ⁇ vy ⁇ lnenie vse ⁇ ⁇ e ⁇ atsy ⁇ me ⁇ e ⁇ atsy "P ⁇ dlenie s ⁇ a in ⁇ assatsii" and "In ⁇ assatsiya".
  • the device is ready to receive the “Confirmation of the total amount of the user” signal from the user.
  • This signal is matched by a signal that is
  • the “logical 1” signal is set, which is immediately triggered by the second input of the elements of the 106th and 105th unit In ⁇ matsiya ⁇ na ⁇ lenn ⁇ y ⁇ anee amount ⁇ dazh with vy ⁇ d ⁇ v 41 ⁇ egis ⁇ a January 10 node 51 ⁇ s ⁇ u ⁇ ae ⁇ on ⁇ e ⁇ vuyu g ⁇ u ⁇ u v ⁇ d ⁇ v summa ⁇ a 109 on th v ⁇ uyu g ⁇ u ⁇ u v ⁇ d ⁇ v ⁇ g ⁇ che ⁇ ez ⁇ e ⁇ vye v ⁇ dy 64 elemen ⁇ v AND v ⁇ y g ⁇ u ⁇ y 105 node 51 v ⁇ y g ⁇ u ⁇ y vy ⁇ d ⁇ v 28 bl ⁇ a 3 ⁇ s ⁇ u ⁇ ae ⁇ in ⁇ matsiya ⁇ ⁇ e ⁇ uschey the amount of sales
  • the value of the counter 119 is equal to zero, i.e. on ad ⁇ esny ⁇ v ⁇ da ⁇ 45 bl ⁇ a 8 ⁇ amya ⁇ i in g ⁇ initial m ⁇ men ⁇ us ⁇ anavlivae ⁇ sya initial (nulev ⁇ y) ad ⁇ es and ⁇ e ⁇ uschy ad ⁇ es us ⁇ an ⁇ vlen ⁇ e ⁇ v ⁇ m sche ⁇ chi ⁇ e 118 in node 53.
  • P ⁇ i ⁇ yavlenii signal "l ⁇ giches ⁇ aya 1" vy ⁇ de ⁇ e ⁇ v ⁇ y s ⁇ emy s ⁇ avneniya ⁇ s ⁇ anavlivae ⁇ sya gene ⁇ a ⁇ im ⁇ uls ⁇ v 120 116 and in sb ⁇ asyvae ⁇ sya n ⁇ l v ⁇ y sche ⁇ chi ⁇ node 119 53.
  • the proposed device ensures the maintenance of non-cash electronic settlements between its users with a high degree of reliability due to the protection of customers 30 electronic registers of the consumer and the seller and the simultaneous storage of it from each of them.
  • ⁇ ⁇ ig. 1 (device block diagram): 5 1 - user input block.
  • ⁇ ⁇ ig. 3 (functional diagram of the unit for identifying the user): ⁇ 5 14 - first input of the unit
  • ⁇ ⁇ ig. 6 circuit of the operating unit: 36-38 - the first, second and third group of outputs of the node 39 - the first output of the node 43 - the first output of the node 35 54 - the input 34
  • ⁇ ⁇ ig. 8 (functional diagram of the unit for executing the operation of the collection unit): 40 - output of the unit 25 43 - first input of the unit

Abstract

Cette invention concerne un dispositif qui permet d'effectuer des compensations bancaires réciproques et électroniques entre les utilisateurs de ce dernier. Ce dispositif comprend les éléments suivants: une unité (1) permettant à l'utilisateur de saisir des informations; une unité d'identification (2) de l'utilisateur; une unité générant des informations (3) relatives aux opérations; une unité de génération de signature électronique numérique (4); une unité de vérification (5) de la signature électronique numérique; une unité d'exécution des opérations (6); une unité d'affichage (7); et enfin, une unité de mémoire (8). Le code de mot de passe de l'utilisateur est introduit dans l'unité d'identification (2) de l'utilisateur, tandis que les données bancaires concernant l'utilisateur ainsi que sa clé publique sont introduites dans l'unité de génération des informations (3) relatives aux opérations. La somme limite des achats est introduite dans l'unité d'exécution des opérations (6), tandis que la clé secrète de l'utilisateur est introduite dans l'unité de génération de signature électronique numérique (4). La clé publique de la banque est quant à elle introduite dans l'unité de vérification (5) de la signature électronique numérique, tandis que la clé secrète de tout le système est stockée dans l'unité de génération de signature électronique numérique (4), ainsi que dans l'unité de vérification (5) de ladite signature électronique numérique. L'unité de mémoire (8) du dispositif renferme enfin des informations concernant les opérations d'achat et de vente effectuées par l'utilisateur pendant une période prédéterminée, lesquelles informations sont transmises à la banque une fois cette période écoulée.
PCT/RU1997/000302 1996-10-01 1997-09-29 Dispositif permettant d'effectuer des compensations bancaires reciproques et electroniques entre les utilisateurs de ce dernier WO1998014899A1 (fr)

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RU96119836A RU2103733C1 (ru) 1996-10-01 1996-10-01 Устройство для безналичных электронных взаиморасчетов между его пользователями
RU96119836 1996-10-01

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NO311658B1 (no) 2000-03-27 2001-12-27 Scan & Pay As Fremgangsmåte for å gjennomföre handel og betalings- /kredittformidling
RU2161328C1 (ru) * 2000-04-14 2000-12-27 Ажимов Борис Анатольевич Способ стимулирования продажи товаров и система для его осуществления

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