WO2015160274A1 - Réseau de paiement - Google Patents

Réseau de paiement Download PDF

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Publication number
WO2015160274A1
WO2015160274A1 PCT/RU2014/000269 RU2014000269W WO2015160274A1 WO 2015160274 A1 WO2015160274 A1 WO 2015160274A1 RU 2014000269 W RU2014000269 W RU 2014000269W WO 2015160274 A1 WO2015160274 A1 WO 2015160274A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
devices
tax
money
network
Prior art date
Application number
PCT/RU2014/000269
Other languages
English (en)
Russian (ru)
Inventor
Геннадий Александрович ОЛЕЙНОВ
Original Assignee
Геннадий Александрович ОЛЕЙНОВ
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Геннадий Александрович ОЛЕЙНОВ filed Critical Геннадий Александрович ОЛЕЙНОВ
Priority to PCT/RU2014/000269 priority Critical patent/WO2015160274A1/fr
Publication of WO2015160274A1 publication Critical patent/WO2015160274A1/fr

Links

Classifications

    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Definitions

  • the payment network is proposed to be made of unified, identical in internal content, i.e. on hardware and software, electronic payment devices, which are actually calculators - substitutes for banknotes that have the ability to communicate with each other informationally, for example, via radio or mechanical contact, and also containing unified elements of tax deduction at a certain specified percentage.
  • Each payment device contains a transceiver, which has a technical one, for example, in the form of resonant cavities or circuits, and software for determining whether a connected device belongs to a single payment network using a friend or foe system.
  • the transceiver in the device, is connected, via the reception line of a certain amount, to a memory unit or files for storing currency amounts in electronic form through a tax-removal element.
  • the element of tax deduction removes and nullifies the tax from the passing amount, i.e. directing the amount of money to the memory block after its decrease.
  • the payment device also has a line for transferring money from the memory unit to the transceiver for transferring it to another payment device of the payment network.
  • One of the payment devices of the network is the issuer, and has special, different from other devices, technical and software for entering currency into the payment network.
  • the drawing illustrates the invention.
  • Figure 1 shows a diagram of a payment network.
  • the payment network contains an electronic payment device 1, the technical and software of which allows issuing electronic currency into it, and therefore into the network.
  • Device 1 is informationally, through communication channels (radio channels, cable) or through mechanical contacts, connected to other standardized, identical in terms of technical and software, payment devices - 2, 3, 4, 5, 6, etc.
  • Each of the payment devices, for example, 2 has a transceiver 7 for establishing communication, for example, through a switching unit or through mechanical contact, with a selected other payment device.
  • a transceiver 7, in each payment device is connected by a line for passing an incoming signal through a tax-removal element 8, with a memory unit (or files) 9, which is connected by a line for an output signal to a transceiver 7.
  • Payment devices, for example, 2 or their blocks 9 can be associated with any device 10 for the removal of information, but not for payments.
  • the initial budget amount calculated taking into account the level of deflation or inflation, is emitted or entered into the memory unit of payment device 1, which redistributes it to other payment devices and the money circulates further through the network, decreasing in total amount.
  • a signal is received to conduct a certain amount of money from one payment device to another, for example, from 4 to 2, their transceivers 7, using special codes, algorithms, devices that prevent unauthorized interference, establish a connection with each other and carry out the process of transferring the amount from the memory unit of device 4 to the transceiver 7 of device 2.
  • the tax-deductible element reduces the amount of money recorded in the memory unit
  • s Device 1 is located in the central State Authority, for example, in the Ministry of Finance.
  • the rest can be in banks, organizations and with individual citizens, for example, to prevent losses, in apartments. And you can control them both directly, the keyboard on the payment device, and at a distance, for example using payment cards, via the Internet.
  • Communication between devices can also be different, for example, using infrared rays. But the most protected from unauthorized entry is the mechanical contact between the devices (as in these applications).
  • the application of this invention will allow the bulk of the economy to be exempted from numerous reports, especially to the tax authorities, i.e. significantly reduce workflow, freeing people for creative tasks; reorient the attention of the State authorities from worries about the welfare of large monopolies to small businesses, small settlements, improvement of the Natural Environment. Those. the application of the invention will allow shifting the attention of state bodies from the worries of supporting large monopolies and replenishing the Budget with the transfer of money into large “projects” and frightening armaments, to questions of reasonable spending of state money. Any sufficiently intense activity associated with increased circulation of money will benefit the State Budget. Etc.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Accounting & Taxation (AREA)
  • Marketing (AREA)
  • Tourism & Hospitality (AREA)
  • Quality & Reliability (AREA)
  • Operations Research (AREA)
  • Human Resources & Organizations (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Finance (AREA)
  • Technology Law (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention concerne un réseau de paiement comprenant des dispositifs de paiement électroniques unifiés et identiques assurant le transfert d'argent uniquement entre des dispositifs dans ce réseau avec une somme réduite de la valeur de la taxe pour chaque transfert. En d'autres termes, chaque dispositif sert de billet de banque à valeur nominale variable. Le dispositif de paiement comprend un émetteur-récepteur avec un équipement technique et logiciel spécial afin d'établir une liaison avec d'autres dispositifs de paiement, par exemple par liaison radio ou contact mécanique, afin de déterminer l'appartenance du dispositif correspondant à un réseau de paiement commun selon un schéma ami-ennemi. Les dispositifs comprennent également des unités ou des fichiers mémoire afin de stocker des sommes d'argent et un élément de d'élimination de taxe afin de réduire la somme prélevée d'une valeur de taxe avant son introduction dans un bloc de mémoire. Le réseau comprend un dispositif situé au ministère des finances publiques, et son équipement technique et logiciel en fait un émetteur de devise, sur les dispositifs de paiement restants se trouvant dans divers endroits, comme des particuliers distincts, et l'argent circule avec une diminution graduelle de la somme globale.
PCT/RU2014/000269 2014-04-14 2014-04-14 Réseau de paiement WO2015160274A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/RU2014/000269 WO2015160274A1 (fr) 2014-04-14 2014-04-14 Réseau de paiement

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU2014/000269 WO2015160274A1 (fr) 2014-04-14 2014-04-14 Réseau de paiement

Publications (1)

Publication Number Publication Date
WO2015160274A1 true WO2015160274A1 (fr) 2015-10-22

Family

ID=54324352

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2014/000269 WO2015160274A1 (fr) 2014-04-14 2014-04-14 Réseau de paiement

Country Status (1)

Country Link
WO (1) WO2015160274A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2018111127A1 (fr) * 2016-12-13 2018-06-21 ОЛЕЙНОВ, Геннадий Александрович Réseau de paiement
WO2020251388A1 (fr) * 2019-06-14 2020-12-17 Геннадий Александрович ОЛЕЙНОВ Réseau de paiement
WO2022075875A1 (fr) * 2020-10-06 2022-04-14 Геннадий Александрович ОЛЕЙНОВ Réseau de paiement

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090070263A1 (en) * 2007-09-12 2009-03-12 Wachovia Corporation Peer to peer fund transfer
WO2011097338A1 (fr) * 2010-02-05 2011-08-11 Bank Of America Corporation Transfert de fonds au moyen de dispositifs mobiles
RU2010150276A (ru) * 2010-12-09 2012-06-20 Геннадий Александрович Олейнов (RU) Способ производства платежей
US20120221467A1 (en) * 2010-12-27 2012-08-30 Spindle, Inc. Mobile payment system and method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090070263A1 (en) * 2007-09-12 2009-03-12 Wachovia Corporation Peer to peer fund transfer
WO2011097338A1 (fr) * 2010-02-05 2011-08-11 Bank Of America Corporation Transfert de fonds au moyen de dispositifs mobiles
RU2010150276A (ru) * 2010-12-09 2012-06-20 Геннадий Александрович Олейнов (RU) Способ производства платежей
US20120221467A1 (en) * 2010-12-27 2012-08-30 Spindle, Inc. Mobile payment system and method

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2018111127A1 (fr) * 2016-12-13 2018-06-21 ОЛЕЙНОВ, Геннадий Александрович Réseau de paiement
WO2020251388A1 (fr) * 2019-06-14 2020-12-17 Геннадий Александрович ОЛЕЙНОВ Réseau de paiement
WO2022075875A1 (fr) * 2020-10-06 2022-04-14 Геннадий Александрович ОЛЕЙНОВ Réseau de paiement

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