WO2004095336A1 - Procede pour effectuer des transactions bancaires en utilisant des dispositifs de communication mobiles et systeme informatique destine a sa mise en pratique - Google Patents

Procede pour effectuer des transactions bancaires en utilisant des dispositifs de communication mobiles et systeme informatique destine a sa mise en pratique Download PDF

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Publication number
WO2004095336A1
WO2004095336A1 PCT/RU2004/000137 RU2004000137W WO2004095336A1 WO 2004095336 A1 WO2004095336 A1 WO 2004095336A1 RU 2004000137 W RU2004000137 W RU 2004000137W WO 2004095336 A1 WO2004095336 A1 WO 2004095336A1
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WIPO (PCT)
Prior art keywords
sisτemy
sdelκi
chτο
communication
eleκτροnnοy
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PCT/RU2004/000137
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English (en)
Russian (ru)
Inventor
Konstantin Viktorovich Dyshlevoi
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Obschestvo S Ogranichennoy Otvetstvennostyu Mobiliti
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Publication of WO2004095336A1 publication Critical patent/WO2004095336A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Definitions

  • the area of technology is not available in the field of information technology, in particular - the system and the system for the payment of cashlessness
  • the Internet can be allocated for the basic payment options "1); 2) with the help of a secondary car; 3) by means of a direct bank transfer to the indicated account.
  • the client doesn’t have enough real money in a convenient system, he is forced to go to a bank and make a transfer to a bank account - he will transfer funds to the account.
  • each user system is forced to transmit all information to the consumer system through the Internet.
  • a convenient approach is not only not convenient (each such payment operation takes a lot of time from the client), but it is also very unfavorable.
  • such a system does not allow the use of emergency rooms by people in the event of a loss of card, t. ⁇ .
  • many organizations that are on the Internet, using the indicated payment systems are not neglected by the payment of the personal identity of the payer. For good reason, that with this pay-as-you-go payment system, you can withdraw the required amount.
  • neither payment of the client (real or electronic) nor even knowledge of the payment is required to make the payment. To evaluate this method of payment, it is also necessary to take into account and, generally known, disadvantages of the cash payments themselves.
  • certain banks provide access to their customers (such as organizations, parties and private individuals) when they are connected to a non-removable computer system.
  • networks using the modem make the payment on your own account to the payment account indicated in the same or another bank.
  • connection with the server of the bank in this case is subject to a single connection.
  • the warranty is very high reliability of the transmission of information.
  • a further alternative solution to this area is the dedicated method of transmitting electronic money with a free private telephone (in other words, 98 mobile phones)
  • a free private telephone in other words, 98 mobile phones
  • This publication provides for the sale of “electronic money” through the telephone itself. Banking details of the supplier must also be delivered by a customer and are not obligated to pay by phone.
  • a drawback of such a system is the lack of automation of the cashless payment process. Otherwise, the transmission of data with the help of mobile telephones is not yet guaranteed to be completely reliable, part of the data is often not transmitted. And, since it’s not hard to imagine, even a mistake in the only number of accounts A beneficiary may suffer very undesirable consequences.
  • Publication No. 1377000 gives a description of the user authentication procedures. According to this decision, the user must always use the codes sent to him by the bank in the form of 5 messages. ⁇ 8 ⁇ 5 s ⁇ bscheniya ⁇ anya ⁇ sya v ⁇ all ⁇ susches ⁇ vuyuschi ⁇ ⁇ ele ⁇ na ⁇ in ⁇ y ⁇ m form, ⁇ es ⁇ chel ⁇ ve ⁇ finder v ⁇ lyuchenny ⁇ ele ⁇ n (ne ⁇ ne ⁇ b ⁇ dim ⁇ s ⁇ i nabi ⁇ a ⁇ ⁇ a ⁇ l 8
  • 5 ⁇ -cards can read all 5 ⁇ 5 messages and find out the codes written by the bank.
  • Utility accommodation means securing the option of connecting to a wide range of products and services.
  • Disposal of automation means a minimum of manipulations with mobile phone control units for the purpose of directing the payment to the system through the payment system. Otherwise, the need for automation means the minimum possible participation of the supplier in the system.
  • ch ⁇ is ⁇ lzuyu ⁇ ⁇ m ⁇ yu ⁇ e ⁇ nuyu sis ⁇ emu beznalichn ⁇ g ⁇ ⁇ asche ⁇ a in ⁇ y tsen ⁇ alny se ⁇ ve ⁇ sis ⁇ emy associated with se ⁇ ve ⁇ m ban ⁇ a ⁇ e ⁇ v ⁇ g ⁇ uchas ⁇ ni ⁇ a sdel ⁇ i and ⁇ e ⁇ minal ⁇ m v ⁇ g ⁇ uchas ⁇ ni ⁇ a sdel ⁇ i, ⁇ i e ⁇ m ⁇ s ⁇ eds ⁇ v ⁇ m tsen ⁇ aln ⁇ g ⁇ se ⁇ ve ⁇ a sis ⁇ emy s ⁇ zdayu ⁇ ⁇ mme ⁇ ches ⁇ e 9 ⁇ edl ⁇ zhenie
  • the indicated user ID (compact, unique identifier of the device in the system) is used for the device Iden ⁇ i ⁇ i ⁇ a ⁇ m ⁇ zhe ⁇ ⁇ e ⁇ edava ⁇ sya ⁇ ebi ⁇ elem ⁇ s ⁇ avschi ⁇ u ⁇ azlichnymi s ⁇ s ⁇ bami: ⁇ i lichn ⁇ m ⁇ bschenii - with is ⁇ lz ⁇ vaniem sh ⁇ i ⁇ - ⁇ da (vydann ⁇ g ⁇ ⁇ ebi ⁇ elyu ⁇ i ⁇ egis ⁇ atsii in sis ⁇ eme and na ⁇ leenn ⁇ g ⁇ them na ⁇ ime ⁇ on the back s ⁇ en ⁇ u eg ⁇ m ⁇ biln ⁇ g ⁇ ⁇ ele ⁇ na) lib ⁇ us ⁇ n ⁇ , lib ⁇ ⁇ u ⁇ em ⁇ e ⁇ edachi with us ⁇ ys ⁇ va communication ⁇ ebi ⁇ elya on ⁇ e ⁇ minal ⁇ s ⁇ avschi ⁇ a
  • the optional offer may additionally include data on the price of the product and / or the availability of the product in the required quantity. Otherwise, in the memory of the central server of the system January 1 m ⁇ gu ⁇ ⁇ ⁇ ani ⁇ sya data ⁇ s ⁇ s ⁇ yanii ban ⁇ vs ⁇ g ⁇ sche ⁇ a ⁇ ebi ⁇ elya.
  • a mobile phone or a pocket computer may be mobile-friendly and electronic.
  • ⁇ ⁇ b ⁇ i ⁇ sluchaya ⁇ s ⁇ edinenie between m ⁇ bilnym us ⁇ ys ⁇ v ⁇ m ele ⁇ nn ⁇ y communication and tsen ⁇ alnym se ⁇ ve ⁇ m sis ⁇ emy m ⁇ zhe ⁇ us ⁇ anavliva ⁇ sya che ⁇ ez ⁇ e ⁇ a ⁇ a m ⁇ biln ⁇ y gateway or communication che ⁇ ez ⁇ e ⁇ minal ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ y se ⁇ i with is ⁇ lz ⁇ vaniem ⁇ dn ⁇ y of ⁇ e ⁇ n ⁇ l ⁇ gy l ⁇ aln ⁇ y ⁇ e ⁇ edachi tendy ⁇ in chas ⁇ n ⁇ s ⁇ i, ⁇ g ⁇ or ⁇ ie ⁇ .
  • one more safety measure for the user can be preferentially allocated to personal items of food (in the form of food products).
  • This set may be remembered in the memory of the central server of the system.
  • nny ⁇ ban ⁇ v ⁇ e ⁇ v ⁇ g ⁇ uchas ⁇ ni ⁇ a sdel ⁇ i of tsen ⁇ aln ⁇ g ⁇ se ⁇ ve ⁇ a sis ⁇ emy, v ⁇ lyuchayu ⁇ u ⁇ azanie on s ⁇ v ⁇ u ⁇ n ⁇ s ⁇ vyb ⁇ anny ⁇ sche ⁇ v, ⁇ n ⁇ syaschi ⁇ sya ⁇ e ⁇ mu ban ⁇ u and 15 selected amount of transfer from each of them.
  • the currency of the account of the second party to the transaction is different from the currency of the lower part of the account for the deducted amount.
  • the neighboring central server system is compatible with the ser- vices of the banks in use;
  • the central server system stores access indices for the data stored on the server database components.
  • the databases themselves, supported by physically disparate carriers, are to a large extent uniform.
  • Particular cases of execution that have a memorable device in the central server may contain a storage area for data stored in the system 18 and their accounts associated with the unit of work with suppliers.
  • the central server of the system may be implemented as a local network containing four working stations connected between the mains power supply of the network.
  • the customer service module may include a user interface, a user’s payment method, and the
  • the unit of work with the accessories may include the use of the user interface of the device, the use of the product for the purpose of
  • the non-cash system provides a non-cash payment system that allows users to pay for the services of the base.
  • P ⁇ e ⁇ mu tsen ⁇ alny se ⁇ ve ⁇ sis ⁇ emy associated with ⁇ e ⁇ minalami ⁇ at me ⁇ e dvu ⁇ ⁇ s ⁇ avschi ⁇ v ⁇ dn ⁇ i ⁇ ny ⁇ ⁇ va ⁇ v and / or services, and eg ⁇ za ⁇ minayuschee us ⁇ ys ⁇ v ⁇ d ⁇ lni ⁇ eln ⁇ s ⁇ de ⁇ zhi ⁇ ⁇ blas ⁇ ⁇ aneniya tendy ⁇ ⁇ ⁇ va ⁇ a ⁇ and / or usluga ⁇ , ⁇ ichem bl ⁇ ⁇ ab ⁇ y with ⁇ ebi ⁇ elyami ⁇ a ⁇ zhe associated with bl ⁇ m ⁇ ab ⁇ y with ⁇ s ⁇ avschi ⁇ ami.
  • a global computer-based cashless payment system which includes, at least, two non-cash payment systems described above.
  • the central servers of such systems are interconnected with the global accessory network, which is, in all of the other central systems, not less than The applicant is not aware of an analogue of such a global system.
  • a unit with customers at a lower rate than one of the listed systems non-cash payments can be executed with a smaller user interface.
  • the client is not required to enter the Internet, but the user is not required to sell the site.
  • the optimization of the input of information on a mobile phone is ensured by the account of the organized system 22 payments in response to a commercially available central server system.
  • the use of the invention does not result in any kind of conflict with customers and does not require a license from the court.
  • the first is connected with the fact that both in Russia and in all Western countries, the e-signature has been removed.
  • the system of payment to the consumer may not be able to transmit any kind of signal to the consumer.
  • An important point is also that the system does not try to change the banking sector and does not directly work with the money itself.
  • ⁇ ig. 2 the structural scheme of the central server of the system.
  • ⁇ ig. 3 the structured circuit of the unit of work with the users of the central server of the system.
  • ⁇ ig. 4 - a structural diagram of the unit of work with the suppliers of the central server of the system.
  • ⁇ ig. 7 - a structural diagram of a unit of work with suppliers of a central server system in the option sold on FIG. 5.
  • ⁇ ig. 8 - an simplified schema of the tables of the general database, supported by the central server system.
  • the mobile phone is the only one (currently the most popular) of the mobile phone. 24
  • any convenient communication channel may be used.
  • the most affordable option is the global computer network (the Internet), although in some cases it can be neglected by a small and small business.
  • the name of the Internet network will be considered.
  • FIG. 1 m ⁇ biln ⁇ e us ⁇ ys ⁇ v ⁇ ele ⁇ nn ⁇ y communication ⁇ ebi ⁇ elya 3 svyazan ⁇ with tsen ⁇ alnym se ⁇ ve ⁇ m sis ⁇ emy 1.
  • E ⁇ ⁇ znachae ⁇ , ch ⁇ in ⁇ aches ⁇ ve m ⁇ biln ⁇ g ⁇ us ⁇ ys ⁇ va ele ⁇ nn ⁇ y communication ⁇ ebi ⁇ elya m ⁇ zhe ⁇ is ⁇ lz ⁇ va ⁇ sya ⁇ a ⁇ manny ⁇ m ⁇ yu ⁇ e ⁇ without ⁇ un ⁇ tsii ⁇ mmuni ⁇ a ⁇ a ( ⁇ es ⁇ without the possibility of connecting to the gateway of the communication device), and, moreover, it is sufficient to have such a pocket in the computer, 25, for example, an informative company.
  • central server of the system is used in this application in the sense of "central node of the computer system” and, as indicated above, allows for the integration of the Internet. Details of the hardware and software of the central part of the system, both the system and the other accounts of the company, the system of cashless payments. This is shown in FIG.
  • the unit of work with suppliers 6 serves to connect the central server of system 1 with the suppliers, in particular for:
  • Base in ⁇ matsii ⁇ ⁇ s ⁇ avschi ⁇ a ⁇ and i ⁇ sche ⁇ a ⁇ 12 ⁇ dde ⁇ zhivae ⁇ sya s ⁇ ve ⁇ s ⁇ vuyuschey ⁇ blas ⁇ yu ⁇ amya ⁇ i za ⁇ minayuscheg ⁇ us ⁇ ys ⁇ va and s ⁇ de ⁇ zhi ⁇ data ⁇ s ⁇ avschi ⁇ a ⁇ ⁇ (name and ⁇ tsi ⁇ naln ⁇ , ad ⁇ es, for ⁇ ele ⁇ ny communications, the company and its accounts) and their accounts (all bank details required for organizing transfers to other accounts of the customers are indicated).
  • Bl ⁇ ⁇ is ⁇ a and ⁇ b ⁇ azheniya in ⁇ matsii ⁇ sdel ⁇ a ⁇ 9 is ⁇ lzue ⁇ sya for ⁇ bes ⁇ echeniya v ⁇ zm ⁇ zhn ⁇ s ⁇ i and ⁇ s ⁇ avschi ⁇ am and ⁇ ebi ⁇ elyam ⁇ sma ⁇ iva ⁇ in ⁇ matsiyu ⁇ ⁇ anee s ⁇ ve ⁇ shenny ⁇ them sdel ⁇ a ⁇ , ⁇ animy ⁇ in base remindy ⁇ is ⁇ ii sdel ⁇ 14, even s ⁇ us ⁇ ya znachi ⁇ eln ⁇ e v ⁇ emya ⁇ sle i ⁇ s ⁇ ve ⁇ sheniya.
  • S ⁇ bs ⁇ venn ⁇ v ⁇ zm ⁇ zhn ⁇ s ⁇ is ⁇ lz ⁇ vaniya e ⁇ g ⁇ bl ⁇ a ⁇ bes ⁇ echivayu ⁇ for ⁇ s ⁇ avschi ⁇ v - bl ⁇ ⁇ ab ⁇ y with ⁇ s ⁇ avschi ⁇ ami 6, and for ⁇ ebi ⁇ eley - bl ⁇ ⁇ ab ⁇ y with ⁇ ebi ⁇ elyami 7.
  • Base in ⁇ matsii ⁇ ⁇ ebi ⁇ elya ⁇ and i ⁇ sche ⁇ a ⁇ 11 ⁇ dde ⁇ zhivae ⁇ sya s ⁇ ve ⁇ s ⁇ vuyuschey ⁇ blas ⁇ yu ⁇ amya ⁇ i za ⁇ minayuscheg ⁇ us ⁇ ys ⁇ va and s ⁇ de ⁇ zhi ⁇ data ⁇ ⁇ ebi ⁇ elya ⁇ ( ⁇ amiliya name, Simple (or an alternate name), and, optionally, an address, telephones for communication and ⁇ .) and their accounts (all bank accounts required for business accounts are indicated).
  • this device must be connected to a mobile phone or the user does not have to pay any access to the device if it is not
  • the user-friendly plug-in can be issued to the user when registering in the system and to be glued, for example, is secured to the back of the room.
  • the first option is not so easy, as the others, but may not be useful in the absence of a mobile device and the ignorance of the house.
  • a second option is practically only useful if the owner does not end up using it in any way.
  • the unit of work with customers 7 is used to connect the system with customers, in particular for:
  • the unit of payments with money 8 serves for the organization of the transaction of the user of the device for the payment of the terms of the customer Therefore, on the basis of the record, it is from the database of commercially available products that this package is not subject to payment (payment is not applicable).
  • the generation unit for automation 10 is used by the central server of system 1 for the generation of new payment automation units.
  • the database of automation products 15 is supported by the corresponding memory area and conserves all devices that are not used at this time (for the These products are obtained from the generation unit of the automation 10 and are used with the unit 7 to process the supplied devices. 31 Automation and Completion.
  • the unit of work with the suppliers 6 is connected with the terminal of the supplier with the possibility of the formation of the services of the payment for the implementation of the service.
  • the unit of work with users 7 is connected with a mobile device of the electronic communication of the user through the above-connected devices of the interface (the gateway of the telephone is in contact with the user) Bl ⁇ ⁇ ab ⁇ y with monetary ⁇ e ⁇ ev ⁇ dami 8 associated with se ⁇ ve ⁇ m ban ⁇ a ⁇ ebi ⁇ elya and bl ⁇ m ⁇ ab ⁇ y with ⁇ ebi ⁇ elyami 7.
  • the storage option that is being considered is a central storage system of system 1 (not specifically shown in the diagram), it can be a combination of 6 separate disks.
  • the 5th ROM has two areas of memory - for storing the database for automation and for storing the main unit for the generation of the unit for automation).
  • the Saving Bank of Russia provides customers with a secure "Sientbank" service.
  • the main network adapter is used for the commutation of the stations below.
  • the structured scheme indicated in FIG. 1 unit of work with customers 7, where the channels indicate communication channels between components and the relevant direction of information.
  • the unit of work with customers 7 is connected through the Internet and is connected to the interface of the Internet, which ensures the access to mobile devices of the electronic device 35 connection of the user 3 to the central server of the system 1.
  • there is a gateway of the mobile communication operator 17, the Internet terminal 18, and the Internet is 19.
  • a good Internet terminal can be installed both at the customer’s home and in his office, or at a store where he is acquiring.
  • P ⁇ dbl ⁇ ⁇ ab ⁇ y with 5 ⁇ 5 s ⁇ bscheniyami 22 is ⁇ lzue ⁇ sya for ⁇ mi ⁇ vaniya and ⁇ e ⁇ edachi s ⁇ bscheny in ⁇ ma ⁇ e 5 ⁇ 5 ( ⁇ g ⁇ .
  • ⁇ chas ⁇ n ⁇ s ⁇ i, ⁇ dbl ⁇ ⁇ ab ⁇ y with 5 ⁇ 5 s ⁇ bscheniyami 22 is ⁇ lzue ⁇ sya for ⁇ e ⁇ edachi ⁇ ebi ⁇ elyu in ⁇ matsii ⁇ ⁇ yavlenii in apeledanny ⁇ ⁇ mme ⁇ ches ⁇ i ⁇ ⁇ edl ⁇ zheny 13 n ⁇ v ⁇ g ⁇ ⁇ mme ⁇ ches ⁇ g ⁇ ⁇ edl ⁇ zheniya ⁇ ne ⁇ g ⁇ ⁇ s ⁇ avschi ⁇ a for e ⁇ g ⁇ ⁇ ebi ⁇ elya in ⁇ e ⁇ sluchaya ⁇ , ⁇ gda ⁇ s ⁇ avschi ⁇ u ⁇ azal, ch ⁇ ⁇ a ⁇ e ⁇ veschenie ne ⁇ b ⁇ dim ⁇ (ne ⁇ ne ⁇ b ⁇ dim ⁇ s ⁇ i in ⁇ syl ⁇ e ⁇ a ⁇ g ⁇ s ⁇ bscheniya,
  • the transfer is not organized by a personal user, but by the system from its training.
  • the system is proposed to have a user-configurable time, while the user is required to switch on the device. This value may be, for example, one hour. ⁇ Rhythm Brass During this time, the terminal that comes with it will be able to see that the operation of the payment has been initiated, but it has not been fully approved yet.
  • a useful system may not display a useful system for billing accounts registered in the system.
  • a paid bank account is registered in the system, then if there is a lack of or lack of money on the account of the staff or communal 38 Payments, with the consent of the bank, may be paid and deposited. If you pay the opposite, you pay a refund to the company, pay a refund, pay a refund, and pay a refund
  • the user must be informed about this system.
  • ⁇ gda is ⁇ lzue ⁇ sya ⁇ a ⁇ a on m ⁇ biln ⁇ e us ⁇ ys ⁇ v ⁇ ⁇ ebi ⁇ elya us ⁇ anavlivae ⁇ sya ⁇ il ⁇ zhenie on yazy ⁇ e ⁇ a ⁇ a ( ⁇ 2 ⁇ ), ⁇ ealizuyuschee ⁇ lz ⁇ va ⁇ els ⁇ y in ⁇ e ⁇ eys ⁇ ebi ⁇ elya (us ⁇ an ⁇ v ⁇ a ⁇ il ⁇ zheniya m ⁇ zhe ⁇ ⁇ izv ⁇ di ⁇ sya, na ⁇ ime ⁇ , ⁇ e ⁇ a ⁇ m connection or by ⁇ ebi ⁇ elem ⁇ u ⁇ em zag ⁇ uz ⁇ i ⁇ il ⁇ zheniya of se ⁇ i In ⁇ e ⁇ ne ⁇ ). Interaction of such an application with the central system 1 is carried out through the inadmissible disconnection of a mobile device from the Internet. It is important to note
  • - ROM for example, a hard disk with a capacity of 500 megabytes
  • an information bus (implemented in the form, for example, of a motherboard (system) board of the ⁇ i ⁇ ⁇ - ⁇ ).
  • keyboard for example, a monitor with a diagonal of 15 inches.
  • mouse for example, a monitor with a diagonal of 15 inches.
  • the network adapter must also be connected to the Internet, for example, by simply connecting to a cabled Internet service provider.
  • the website has a website that runs on a central station working on a central server that implements a unit for working with users 7, and that the system
  • encryption is used, in order to ensure the information of this unit is provided for the processing of information / processing of information 23.
  • Information Processing / Utilization 23 is used to ensure secure transmission of information through the use of encryption. 42
  • the user plan may be installed. There is no need to start the operation for the amount lower than the specified ⁇ -cod (it is sufficient that you have entered the system for the user to use). It is proposed that such a limitation be established by the bank.
  • the amount of the transaction may be reduced even more quickly (for securing an even greater amount of money).
  • a user may be able to receive multiple ⁇ -codes for making dozens or even a transaction in the future in one go. If you need to look for new wares, he needs to be provided with a good deal.
  • za ⁇ minayuschem us ⁇ ys ⁇ ve m ⁇ biln ⁇ g ⁇ us ⁇ ys ⁇ va ele ⁇ nn ⁇ y connection 3 za ⁇ di ⁇ vann ⁇ m form d ⁇ s ⁇ a ⁇ chn ⁇ ⁇ dde ⁇ zh ⁇ i yazy ⁇ a 2 ⁇ , ⁇ a ⁇ ⁇ a ⁇ ai e ⁇ m ⁇ bes ⁇ echivae ⁇ sya
  • zaschi ⁇ y ⁇ ebi ⁇ eley ⁇ edusm ⁇ en ⁇ d ⁇ d following: - ⁇ mme ⁇ ches ⁇ ie ⁇ edl ⁇ zheniya m ⁇ gu ⁇ na ⁇ avlya ⁇ sya ⁇ ebi ⁇ elyu ⁇ emi ⁇ s ⁇ avschi ⁇ ami, ⁇ ⁇ va ⁇ am ⁇ y ⁇ e ⁇ ⁇ ebi ⁇ el explicitly ⁇ b ⁇ az ⁇ m ⁇ yavil in ⁇ e ⁇ es ( ⁇ .e.
  • the user has the option to have a free list (also called a “white list”) that is missing or discharged from service.
  • a free list also called a “white list”
  • the user may include this or another supplier in the original "black list", i.e. to indicate a system that doesn’t want to “hear” it from the supplier.
  • User-friendly services receive a privileged status in the system, i.e. Initially, they may also send commercially available (or commercially available) services to any user of the system.
  • ⁇ a ⁇ , na ⁇ ime ⁇ , ⁇ s ⁇ avschi ⁇ i would m ⁇ gli ⁇ ed ⁇ s ⁇ avlya ⁇ ⁇ s ⁇ bye d ⁇ lni ⁇ elnye s ⁇ id ⁇ i ⁇ em have ⁇ g ⁇ ⁇ ni na ⁇ dya ⁇ sya in "bel ⁇ m s ⁇ is ⁇ e” in ⁇ echenie ⁇ d ⁇ lzhi ⁇ eln ⁇ g ⁇ v ⁇ emeni ( ⁇ d ⁇ bnuyu in ⁇ matsiyu ⁇ v ⁇ emeni na ⁇ zhdeniya ⁇ s ⁇ avschi ⁇ a in "bel ⁇ m s ⁇ is ⁇ e” ⁇ s ⁇ avschi ⁇ a ⁇ a ⁇ zhe would m ⁇ gla vydava ⁇ sis ⁇ ema).
  • All the aforementioned user interfaces of the Internet can be operated by the user of their own mobile devices and the user has no access to the telephone
  • ⁇ a ⁇ ig. 4 The structured scheme indicated in FIG. 1 unit of work with suppliers 6, where the channels indicate communication channels between components and the relevant direction of information.
  • ⁇ a ⁇ and bl ⁇ ⁇ ab ⁇ y with ⁇ ebi ⁇ elyami 7 bl ⁇ ⁇ ab ⁇ y 6 associated with ⁇ s ⁇ avschi ⁇ ami che ⁇ ez se ⁇ In ⁇ e ⁇ ne ⁇ s ⁇ s ⁇ eds ⁇ vami in ⁇ e ⁇ eysa, ⁇ bes ⁇ echivayuschimi v ⁇ zm ⁇ zhn ⁇ s ⁇ ⁇ bmena data between ⁇ e ⁇ minal ⁇ m ⁇ s ⁇ avschi ⁇ a 2 and tsen ⁇ alnym se ⁇ ve ⁇ m sis ⁇ emy 1.
  • Such a device has at least one process (central process), RAM, ROM, an information bus, and there is a high level of output 47 ada ⁇ e ⁇ for ⁇ d ⁇ lyucheniya ⁇ d ⁇ ugim elemen ⁇ am sis ⁇ emy in chas ⁇ n ⁇ s ⁇ i, ⁇ tsen ⁇ aln ⁇ mu se ⁇ ve ⁇ u sis ⁇ emy 1.
  • the Internet is connected to the terminal of the supplier 2, and to the other, to the database of the accessories of 13, the base of the information of the products of the 12th
  • transaction 9 is linked to transaction database 14, as explained above in FIG. 1, to the terminal of the supplier 2, the printer may be turned off for printing of the transaction of the supplier.
  • the terminal 2 includes the server database of the products and / or the services of the supplier - the computer, 49 ⁇ anyaschy and ⁇ b ⁇ aba ⁇ yvayuschy in ⁇ matsiyu ⁇ ⁇ va ⁇ a ⁇ and usluga ⁇ ⁇ s ⁇ avschi ⁇ a having ⁇ smiling now neg ⁇ in ⁇ dazhe.
  • the basic requirement for the connection of such a server to the central server of the system is the implementation of the gateway to the connection of the database of the supplier. This gateway can be part of the server and a separate computer, which are specially used for connecting the server to the central system.
  • the person who is delivering the message to the user is receiving the message from the user who is delivering the service to the user or to the user
  • the described system of the organization of payments of payments can be very useful for the organization of payments and other payments, for example, payment of payments from (payment) of the payment of goods from cities.
  • ⁇ a ⁇ in ⁇ am ⁇ a ⁇ b ⁇ by with ⁇ u ⁇ tsiey in this m ⁇ men ⁇ in ⁇ ssii deys ⁇ vue ⁇ ⁇ l ⁇ zhenie ⁇ ⁇ mu ins ⁇ e ⁇ y traffic not imeyu ⁇ ⁇ ava b ⁇ a ⁇ sh ⁇ a ⁇ y with av ⁇ lyubi ⁇ elya on mes ⁇ e cash ( ⁇ d ⁇ bnaya same sis ⁇ ema ⁇ as ⁇ s ⁇ anena and v ⁇ mn ⁇ gi ⁇ d ⁇ ugi ⁇ s ⁇ ana ⁇ ).
  • a convenient seizure of consumer goods may be necessary if the person has not paid a little more than he was forced to pay.
  • the person will be able to pay all the previous expenses directly to the place of the violation.
  • the payment will be warranted by the “traffic police” of the traffic police, which may in this way or other way immediately inform the user of the service (for example,).
  • the driver will not be able to change the payment procedure described above. In this case, the installer will be able to see that the payment is validly completed.
  • the use of the simple cashless system is particularly advantageous, when it is unavailable that it is not expected to be paid.
  • ⁇ a ⁇ ig. 5 The structured scheme of the second version of the central server of the system is presented. With this option, the non-cash payment system will not allow the user to pay the bank account for a very quick cash transfer. 55 electronic communications, but also to pre-select the right product and / or services from one of the various suppliers offered by various suppliers.
  • the unit of work with customers has the following features.
  • connection of the user interface of the user 20 has a direct connection with the unit of communication with the users of the telephone 6, while the user is using the telephone
  • P ⁇ u ⁇ a based ⁇ bscheniya with ⁇ s ⁇ avschi ⁇ m ⁇ dbl ⁇ ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ in ⁇ e ⁇ eysa ⁇ ebi ⁇ elya 20 ⁇ b ⁇ aschae ⁇ sya ⁇ ⁇ dbl ⁇ u ⁇ lz ⁇ va ⁇ els ⁇ g ⁇ in ⁇ e ⁇ eysa ⁇ s ⁇ avschi ⁇ a 24 (.
  • terminal 18 which is disconnected from the system, is inaccessible if you disconnect it from the system, and 58 Payment on the basis of information, provided by the block of search and access to information on transactions of the system. The same information, of course, is accessible to the user and with his mobile device 3 for communication with users of a computer network.
  • ⁇ a ⁇ ig. 7 The system schematic of the unit of work with the suppliers is presented.
  • the unit of work with the suppliers 6 has the following features.
  • Downloading the user-friendly interface of the company 24, receiving the additional functionality of the service, is free of charge for the user All relevant information on goods and services is stored in the database of goods and services 27.
  • the database of goods and services 27 may be formed and maintained at a memorable 59 us ⁇ ys ⁇ ve tsen ⁇ aln ⁇ g ⁇ se ⁇ ve ⁇ a sis ⁇ emy 1 ⁇ u ⁇ em ⁇ e ⁇ edachi in ⁇ matsii ⁇ ⁇ va ⁇ a ⁇ and / or with usluga ⁇ ⁇ e ⁇ minal ⁇ v s ⁇ ve ⁇ s ⁇ vuyuschi ⁇ s ⁇ avschi ⁇ v ⁇ 2 tsen ⁇ alny se ⁇ ve ⁇ sis ⁇ emy 1.
  • the second independent version of the central server of the system may be implemented as a local network, as described above for the first version.
  • the database of goods and / or services 27 may be stored at a separate disk drive of the first working station and serviced by a separate process for the above. 2.
  • the server of the customer’s server (that is, the bank included in the system) is set to ⁇
  • the bank server may issue the following messages for the indicated account and the type of currency of this account and for the specified country, bank and payment currency:
  • the user will select the first one in the list for the operation.
  • the bank can be reported that, with some of the accounts, only partial payment is possible. To avoid this, the user is able to unload the payments from a few accounts (of course, to a small extent, by default).
  • I ⁇ a ⁇ , ⁇ a ⁇ ne ⁇ udn ⁇ vide ⁇ if is ⁇ lz ⁇ vaniya u ⁇ azann ⁇ y s ⁇ emy ⁇ ab ⁇ y with se ⁇ ve ⁇ m ban ⁇ a, udas ⁇ sya ⁇ bes ⁇ echi ⁇ ud ⁇ bnuyu and vyg ⁇ dnuyu for ⁇ ebi ⁇ eley v ⁇ zm ⁇ zhn ⁇ s ⁇ ⁇ ab ⁇ y with ⁇ azlichnymi valyu ⁇ ami, ⁇ a ⁇ in ⁇ am ⁇ a ⁇ s ⁇ bs ⁇ venn ⁇ y s ⁇ any, and ⁇ a ⁇ ⁇ i ⁇ ab ⁇ e with d ⁇ ugimi us ⁇ an ⁇ v ⁇ ami in sis ⁇ emy 64 frames of the global system of cashless payments (that is, if you pay, generally speaking, in other countries).

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Abstract

L'invention concerne un procédé pour effectuer des transactions bancaires en utilisant des dispositifs de communication mobiles et un système informatique destiné à sa mise en pratique. Le procédé consiste à former et à envoyer un ordre de virement du montant de la transaction du compte du premier contractant (du consommateur utilisant un des dispositifs de communication mobiles) au compte du deuxième contractant (du fournisseur de biens et/ou de services). Dans le système informatique de virements, le serveur central du système (1) est relié au dispositif électronique de communication électronique (3) du premier contractant, au serveur de la banque (4) du premier contractant et au terminal (2) du deuxième contractant. Au moyen du serveur central du système on crée une offre commerciale relative à une proposition de transaction, qui comprend au moins les données relatives à l'objet de la transaction; on établit la connexion avec le dispositif mobile de communication électronique (3) du premier participant à la transaction et le serveur du système (1), avec transmission de l'offre commerciale sur le dispositif mobile de communication électronique. Les données relatives à la communication électronique sont affichées à l'écran du dispositif d'affichage du dispositif de communication mobile. On envoie depuis le dispositif mobile de communication électronique du premier contractant une confirmation de la transaction, et on envoie un ordre de virement du serveur central du système au serveur de la banque du premier contractant, ledit ordre portant sur le virement de la somme de transaction indiquée. L'invention porte aussi sur un système de transactions bancaires à échelle mondiale.
PCT/RU2004/000137 2003-04-24 2004-04-14 Procede pour effectuer des transactions bancaires en utilisant des dispositifs de communication mobiles et systeme informatique destine a sa mise en pratique WO2004095336A1 (fr)

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RU2003111990 2003-04-24
RU2003111990/09A RU2263959C2 (ru) 2003-04-24 2003-04-24 Способ совершения сделок по безналичному расчету с использованием мобильных устройств электронной связи и компьютерная система для его осуществления (варианты)

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