Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q30/00—Commerce
  • G06Q30/06—Buying, selling or leasing transactions
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

• the invention relates to a procedure for fulfilling payment obligations between an obligor monetary institute and an obligee monetary institute by transfer, in the course of which on the obligor's side sum data and disposition data is produced relating to the payment obligation, and this data is forwarded to the obligor monetary institute, in the obligor monetary institute from the sum data and the disposition data an execution item is produced including a cash flow partial item and a transaction message partial item, and then the accounting sum complying with the cash flow partial unit of the execution unit and the transaction message partial unit are forwarded to the obligee monetary institute, in the obligee monetary institute the transaction message partial unit is interpreted and the payment obligation is fulfilled by crediting a certain account kept by the obligee monetary institute with the accounting sum.
• the invention also relates to a set of equipment for simplifying the fulfilment of payment obligations by transfer between an obligor monetary institute and an obligee monetary institute, which consists of an initiating data handling unit situated in the obligor monetary institute and a destination data handling unit situated in the obligee monetary institute, and the initiating data handling unit and the destination data handling unit are connected to each other with a signal forwarding network.
• Our aim with the procedure according to the invention was to overcome the discrepancies of the known procedures of payment by transfer and to prepare an alternative solution, which makes it possible to realise virtual money flow in a simpler and quicker way, which is also easier to handle.
• the aim of the set of equipment according to the invention was to prepare devices suitable for realising the novel procedure and by this to simplify the effectuation of the procedure.
• the procedure according to the invention and the set of equipment suitable for realising the procedure is based on the recognition that if between all monetary institutes allocated to the purchasers and monetary institutes allocated to the sellers a data centre and an accounting centre with tasks different from the known tasks are inserted with message handling devices forwarding and manipulating the different transaction messages in a way significantly different from the ordinary method, and the messages needed for the accomplishment of the payment orders are forwarded through these message handling devices between the monetary institutes taking part in the transactions and the accounting monetary institute in a way that in the data centres and in the accounting centre different operations are realised with the messages and payment instructions, they are rearranged and grouped as required and then forwarded, then the task can be solved.
• a further criterion of the procedure according to the invention may be that besides collecting the individual transaction message partial units in the obligor monetary institute the individual transaction message partial units are forwarded to the obligee monetary institute by inserting at least one data centre.
• the transaction message group collected in the obligor monetary institute is forwarded to the accounting monetary institute by inserting at least one data centre, and the receiver-orientated notice groups rearranged in accordance with the obligee monetary institutes and/or further accounting monetary institutes are forwarded from the accounting monetary institute to the individual obligee monetary institutes and/or further accounting monetary institutes by inserting at least one data centre.
• a further criterion of the procedure according to the invention may be that the individual transaction message partial units are forwarded to the obligee monetary institute by inserting at least one data centre.
• the transaction message group collected in the data centre is rearranged in accordance with the obligee monetary institutes and/or accounting monetary institutes and receiver-orientated notice groups are created, and the receiver-orientated notice groups corresponding to the individual obligee monetary institutes and/or accounting institutes are forwarded to the allocated obligee monetary institute and/or accounting monetary institute.
• the determined condition is a time limit.
• the set of equipment for simplifying the fulfilment of payment obligations by transfer between an obligor monetary institute and an obligee monetary institute, - which consists of an initiating data handling unit situated in the obligor monetary institute and a destination data handling unit situated in the obligee monetary institute, and the initiating data handling unit and the destination data handling unit are connected to each other with a signal forwarding network, - is constructed in a way that in the signal forwarding network between the obligor monetary institute and the obligee monetary institute there are one or more data centres inserted as well as one accounting monetary institute allocated to each data centre, and in at least either the obligor monetary institute or the data centre allocated to it there is a collecting unit suitable for creating transaction message groups, while in at least either the data centre or the accounting monetary institute connected to it there is a grouping unit suitable for rearranging the transaction message groups.
• the most important advantage of the procedures is that as a result of the novel use of data centres and accounting centres financial transactions by transfer can be significantly simplified, the administration in connection with the messages and the communication time can be shortened and the computer technology apparatus can be used in a more effective way. More effective message handling and virtual money handling results in saving a significant amount of administration work and costs.
• Another favourable effect in connection with the advantages described above is that as a result of the fact that there are fewer administration and communication tasks the number of wrong financial transactions may be reduced and at the same time the process of accounting becomes more effective and easier to control.
• figure 1 is the outline drawing of a version of the set of equipment for the realisation of the procedure and the network connected to it,
• figure 2 is the outline of another version of the set of equipment for the realisation of the procedure and the network connected to it.
• FIG 1 the outline drawing of a possible construction example of the set of equipment suitable for the effectuation of the procedure according to the invention can be seen.
• obligor monetary institute KP1 and obligor monetary institute KP2 are connected to data centre Al with the help of signal forwarding network H, which data centre Al is in connection with accounting monetary institute El and with obligee monetary institute JP1 and obligee monetary institute JP2 via signal forwarding network H.
• each obligor monetary institute KP1, KP2 can only be connected to one single data centre Al, but the same data centre Al can be in connection with several obligor monetary institutes KP1 and KP2, with a further data centre A2 and with obligee monetary institutes JP1 and JP2.
• only and exclusively one accounting monetary institute El can be connected to a data centre Al .
• the signal forwarding network H can be an optional communication network, which may contain simply line or simply wireless, such as radio frequency lines or their combination.
• the internal data forwarding network of the individual obligor monetary institutes KP1 and KP2, data centres Al and A2, accounting monetary institutes El and E2 and obligee monetary institutes JPl and JP2 also belongs to the signal forwarding network H.
• Obligor monetary institute KP1 has got a collecting unit GY1, which is suitable for receiving the partial units of the transaction message TRNli of the execution units VKPli created from the orders given to the obligor monetary institute KP1, collecting them into a transaction message group TCI and storing them for a certain period of time.
• Beside transaction message partial unit TRVli each execution unit VKPli has got a cash flow partial unit PFVli too.
• Transaction message partial unit TRVli contains all the data determining the obligee's data, especially the obligee monetary institute JPl belonging to the obligee, the obligee's bank account number or other identifier and also the individual identifier of the business transaction in connection with the given financial transaction.
• cash flow partial units PFVli from which cash flow group PFC1 can be created, belonging to execution units NKPli are also situated in collection unit GY1.
• accounting monetary institute El is equipped with a grouping unit CS1, which is suitable for rearranging the items of transaction message groups TCI and TC2 arriving at accounting institute El and creating receiver-orientated notice groups ECli from them.
• grouping unit CS1 can also be used for creating receiver-orientated accounting sums CKEPli on the basis of the receiver- orientated notice groups ECli, from the total accounting sums OEP1 and OEP2 arriving at the accounting monetary institute El.
• obligor monetary institute KP2 also has a collecting unit GY2, which includes the transaction message partial units TRN2i of execution units VKP2 and the transaction message group TC2 created from them, as well as the cash flow partial units PFN2i and the cash flow group PFC2 created from them. From this cash flow group PFC2 the total accounting sum OEP2 can be produced.
• Accounting monetary institute E2 also includes a grouping unit CS2, which produces receiver-orientated notice groups EC2i and receiver-orientated accounting sums CKEP2i. From the aspect of the set of equipment it may be evident that collecting unit GY1, collecting unit GY2, grouping unit CS1 and grouping unit CS2 are high performance computer devices. These computer devices can also be constructed in a way that they are suitable for sending and receiving information on the signal forwarding network H.
• FIG 2 another version of the set of equipment according to the invention can be seen.
• Obligor monetary institutes KP1 and KP2, obligee monetary institutes JPl and JP2, data centres Al and A2 and accounting monetary institutes El and E2 can also be found in this version, and connection between them is realised by signal forwarding network H in this case too.
• collecting unit GY1 is situated in data centre Al
• collecting unit GY2 is situated in data centre A2.
• the transaction message group TCI is produced by the collecting unit GY1 of the data centre Al.
• grouping unit CS2 - unlike in figure 1 - is situated in data centre A2.
• data centre A2 does not only produces the transaction message group TC2 from the transaction message partial units TRN2i and from other elements of a similar content coming from somewhere else, but from this transaction message group TC2 it also produces receiver-orientated notice groups EC2i itself, which it then forwards to obligee monetary institutes JPl and JP2 and to accounting monetary institute E2 belonging to it, and in a given case to accounting monetary institute El.
• transaction message group TCI all transaction message partial units TRNli were stated.
• the transaction message group TCI was stored in the collection unit GY1 for 24 hours while it was extended with the transaction message partial units TRNli coming in.
• the cash flow partial units PFNli were also stored in the collecting unit GY1, they were extended and cash flow group PFC1 was produced.
• the 24 hour limit was over, through the signal forwarding network H the transaction message group TCI was forwarded to data centre Al , from where it was forwarded to accounting monetary institute El .
• the partial procedure conducted at obligor monetary institute KPl was also conducted in obligor monetary institute KP2 in the same way.
• This transaction message group TC2 containing transaction partial units TRN2i was produced from the execution partial units NKP2i, as well as the total accounting sum OEP2 created from cash flow partial units PFV2i in accordance with cash flow group PFC2.
• Transaction message group TC2 was also forwarded to data centre Al with the help of the signal forwarding network H, while the total accounting sum OEP2 was sent to the accounting monetary institute El.
• Transaction message group TCI and transaction message group TC2 received by data centre Al and forwarded from there to accounting monetary institute El were entered into the grouping unit CS1 belonging to accounting monetary institute El, where the different transaction message partial units TRNli and transaction message partial units TRN2i were rearranged and receiver-orientated notice groups ECli in accordance with obligee monetary institute JPl and obligee monetary institute JP2 were produced, one to each of obligee monetary institutes JPl and JP2.
• the individual receiver-orientated accounting sums CKEPli were forwarded to obligee monetary institutes JPl and JP2 and to another accounting monetary institute E2, while the receiver-orientated notice groups ECli were sent back to data centre Al. From data centre Al the different receiver-orientated notice groups ECli were sent to the appropriate place through the signal forwarding network H. As a result of this one receiver orientated notice group ECli was sent to obligee monetary institute JPl, another one was sent to obligee monetary institute JP2 and a third one was sent to another data centre A2.
• Receiver orientated notice group ECli sent to obligee monetary institute JPl was processed there and the receiver-orientated accounting sum CKEPli was placed onto the beneficiaries' bank account distributed as determined, as accounting sums EOP11, EOP12, EOP13 and EOP14. Obviously the same process was carried out in obligee monetary institute JP2, where accounting sums EOP21, EOP22, EOP23 and EOP24 were placed on the beneficiaries' bank account. By this the procedure was completed.
• the receiver-orientated accounting sum CKEPli sent to accounting monetary institute E2 is regarded there as if it was a total accounting sum OEP1, and the receiver-orientated notice group ECli received from data centre A2 in connection with this receiver-orientated accounting sums CKEPli is regarded as a transaction message group TCi.
• accounting monetary institute E2 processes the information and virtual sum received from the other monetary institute El and its data centre Al in the same way as the accounting monetary institute El processes the materials received from obligor monetary institute KPl and obligor monetary institute KP2.
• the procedures and the set of equipment according to the invention can be favourably used to realise different financial transactions by transfer.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• General Physics & Mathematics (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• Finance (AREA)
• Theoretical Computer Science (AREA)
• Economics (AREA)
• Development Economics (AREA)
• Marketing (AREA)
• Computer Security & Cryptography (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Priority Applications (1)

Applications Claiming Priority (2)

Publications (1)

Family

ID=89980640

Family Applications (1)

Country Status (3)

• 2002
  • 2002-07-23 HU HU0202411A patent/HU223911B1/hu not_active IP Right Cessation
  • 2002-12-17 WO PCT/HU2002/000146 patent/WO2004010350A2/en not_active Ceased
  • 2002-12-17 AU AU2002353243A patent/AU2002353243A1/en not_active Abandoned

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