WO2018217124A1 - Procédé de paiement de services, notamment de services de transport, et système automatisé de mise en oeuvre - Google Patents

Procédé de paiement de services, notamment de services de transport, et système automatisé de mise en oeuvre Download PDF

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Publication number
WO2018217124A1
WO2018217124A1 PCT/RU2017/000852 RU2017000852W WO2018217124A1 WO 2018217124 A1 WO2018217124 A1 WO 2018217124A1 RU 2017000852 W RU2017000852 W RU 2017000852W WO 2018217124 A1 WO2018217124 A1 WO 2018217124A1
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Prior art keywords
services
service
identifiers
user
available
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PCT/RU2017/000852
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English (en)
Russian (ru)
Inventor
Михаил Васильевич МУРАТОВ
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Михаил Васильевич МУРАТОВ
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Publication of WO2018217124A1 publication Critical patent/WO2018217124A1/fr

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points

Definitions

  • the present invention relates to the field of automated payment for services, mainly transport services, implemented using public computer networks, and more specifically, to a method of payment for services, mainly transport services and an automated system for its implementation.
  • Paying for services using bank cards does not solve the indicated problem, as it has a number of restrictions, namely: only part of the population is covered by bank cards, receiving a bank card requires contacting the bank and opening an account, which leads to the expenditure of time and effort of the user, and the payment time from using a bank card does not meet the requirements of automated fare payment systems in connection with the length of a decision to provide a service.
  • a known method and an automated system for paying for transport services interacting with the clearing and settlement network of a bank payment system and associated with at least one public transport network (one service provider) (US 20130030883 A1).
  • an attempt is made to reduce the time it takes to make a decision when paying for transport services using a bank card.
  • This method of non-cash payment of transport services using the technology of the bank payment system involves the introduction of a bank card in a bank terminal where they read the bank card number (identifier) and other data, for example, the cost of the service.
  • the banking terminal transmits the specified data via an electric line (traditionally a telephone line) to the seller’s acquirer (also called an acquiring bank).
  • the acquirer is connected to clearing and settlement networks, through which the operation is checked with respect to the reliability and availability of funds on a bank card, that is, the available balance for paying for services.
  • the clearing and settlement network through the acquiring bank returns to the banking terminal the official permission of the operation or prohibition of the operation.
  • this method includes the manufacture at a particular place of bank cards belonging to a particular bank, the decision to provide services in a banking terminal based on a list of bank card identifiers to which services are available; use as a bank card identifier a card number (PAN (Primary Account Number)) or a value calculated by a special algorithm based on the bank card number; formation in the processing system of a list of identifiers to which services are available and mailing of this list to bank terminals.
  • PAN Primary Account Number
  • An automated system for paying for transport services, interacting with the clearing and settlement network of a bank payment system and associated with at least one public transport network contains a processing system, many banking terminals located at a number of points of service start and / or end, many bank cards made in a specific place for a particular bank (bank cards).
  • Each bank card contains an identifier made in a machine-readable format according to a single standard interaction protocol, for example, radio frequency identification (RFID) ISO / IEC 14443.
  • RFID radio frequency identification
  • the processing system is configured to generate a list of identifiers to which specific transport services are available; with the ability to interact with the banking terminal through a wired connection or wireless connection; with the ability to interact with the clearing and settlement network of the banking payment system.
  • Each bank terminal is made with the possibility of making a decision on the provision or prohibition of the provision of transport services to the user based on the list of bank card identifiers.
  • This method and system is not associated with consumers and service providers, since a specific bank producing this card is associated with consumers, and the supplier is associated with an acquiring bank that processes the transactions of the service provider. This increases the cost of this method and system of payment for services and increases the time of the provision of services. Moreover, this method limits the number of users of the system, since only part of the population using transport services is covered by bank cards. In addition, this method does not allow the use of detectable objects other than bank cards to pay for services. It increases the cost of the system as a result of the need to use additional bank terminals or to replace existing detectors with more expensive ones that meet the requirements of bank card standards. Obtaining a bank card requires contacting the bank and opening an account, which leads to the expenditure of time and effort of the user. At the same time, the time to pay for services using a bank card significantly exceeds the allowable time to pay for travel in accordance with the requirements of well-known automated systems.
  • the method includes the creation of detectable objects, each of which is specially made in a particular place and is intended for use only in this payment method.
  • the manufacturer on the instructions of the issuer (customer), marks each detected object with an identifier specially prepared for this method, made in a machine-readable format that can be read in accordance with the radio frequency identification (FID) standard ISO / IEC 14443 and adapted for communication with appropriate personal account of the user of transport services.
  • FID radio frequency identification
  • This method includes entering the services by the user into the corresponding personal account and storing these identifiers of detected objects, only with which they provide services to the services user; entering in the central database into the list of identifiers to which services are available, identifiers entered by the user of the services into the corresponding personal account; the user entering the services and storing in the appropriate personal account the value of the available balance for paying for transport services.
  • Each tool with local memory is adapted to make a decision on whether to allow or prohibit the provision of transport services to a service user and transmit this decision to an appropriate detector that allows or prohibits the provision of transport services.
  • Each detector is adapted for detecting detected objects, reading from the latest identifiers according to the radio frequency identification standard (RFID) ISO / IEC 14443 and transmitting to each means with local memory identifiers of detected objects for service users who are provided with the service.
  • RFID radio frequency identification standard
  • this method includes the following actions carried out in an appropriate tool with local memory: calculating the cost of transport services to each user of services; writing off the estimated cost of transport services from affordable balance to pay for services; receiving from the central database and storing in each means with local memory a list of identifiers to which services are available and the values of their available balance for paying for services; transfer from each means with local memory to the central database of identifiers of the corresponding detected objects of users of transport services to whom the service is provided and an updated available balance for payment of services; comparing the identifiers of detected detected objects with a list of identifiers to which transport services are available stored in an appropriate tool with local memory; making decisions by appropriate means with local memory about authorizing or prohibiting the provision of transport services for the identifier of the corresponding detected object based on the value of the available balance for paying for services.
  • this method includes the following actions carried out in a central database: creating a list of identifiers that transport services are available for and the values of their available balances for paying for services, as well as transferring this information to each facility with local memory, that is, synchronizing identifier information and the values of available balances for payment of services to each user of services in a central database and in all funds with local memory; transfer and storage in each means with local memory of the updated value of the available balance for payment of services to a user of services.
  • This automated system for paying for transportation services includes: a central management complex containing personal accounts of users of services; detectors located at the points of start and / or end of the provision of services; means with local memory (for example, computers), each of which is located next to the corresponding detector and is configured to communicate with it; detectable objects, each of which is specially made in a particular place and intended for use only in this payment system.
  • Each detected object contains an identifier made in a machine-readable format according to the radio frequency identification standard (RFID) ISO / IEC 14443 and adapted for communication with the corresponding personal account of the user of transport services.
  • RFID radio frequency identification standard
  • Each detector is capable of detecting detectable objects and reading corresponding identifiers according to the above-described standard.
  • Each tool with local memory is made with the possibility of deciding whether to allow or prohibit the provision of services to the corresponding user of services and transfer this decision to the appropriate a detector that is configured to provide or prohibit the provision of transport services to the corresponding user of services.
  • Each personal account is configured to receive services from a user and store identifiers of detected objects and the values of available balances to pay for each user’s services.
  • the central management complex is made with the possibility of forming a list of identifiers to which services are available, and their available balances for payment of services to a user of services; with the possibility of transferring from the central database and storing in each means with local memory a list of identifiers to which services are available and their available balances for payment for services to the corresponding user of services; with the possibility of receiving in the central control complex from each means with local memory the identifier of the corresponding detected object of the corresponding service user to whom the service is provided, and the updated value of the available balance for payment of services to the corresponding service user; with the possibility of storing in the central control complex the updated value of the available balance; with the possibility of transferring from the central control complex to each means with local memory the updated value of the available balance for paying for services to the user of services for the identifier of the corresponding detected object (synchronization of information on identifiers and values of available balances for paying for services to each user of services in the central database and in all means with local memory).
  • Each tool with local memory is configured to receive from the central control complex a list of identifiers to which services are available and their available balances for paying for services to each user of services; with the possibility of receiving from the corresponding detector the identifier of the detected detected object; with the possibility of calculating the cost of services to each user of services to whom a specific service is provided by an appropriate detector; with the ability to write off data of the estimated cost of services from an affordable balance of payment for services; with the possibility of deciding whether to allow or prohibit the provision of services for the identifier of the corresponding detected object based on the list of identifiers to which the services are available and their available balances for payment for services; with the possibility of transmitting to the appropriate detector a decision to allow or prohibit the provision of services for the corresponding detected detectable object; with the possibility of transmitting to the central control complex the identifier of the corresponding detected the facility for which the service is provided, and the updated value of the corresponding available balance for payment of services.
  • Each detector is configured to transmit to the appropriate means with local memory
  • the given method and the automated system allow using only detectable objects specially made for use in the given method and system for receiving services from no more than one service provider for payment of services. This leads to the organization of a closed system of payment for services, which excludes the possibility of using this method and system to pay for various services of several suppliers using the same detected object.
  • the indicated design of each detector excludes the possibility of using any detectable object that is available for each user of the service, having an identifier that interacts with the detectors according to one of the various standard interaction protocols, regardless of the place of manufacture of the detected objects, their initial purpose and type of service that excludes the possibility of using these methods and systems for a wide range of users, I do not necessarily live at the place of service.
  • detectable objects specially made for use only in this method and system increases the cost of operating the data of the method and system, and also leads to the need for the user to purchase services of specially made detectable objects, which leads to the cost of time and effort of the user and the cost of data of the method and system.
  • organization of a closed system of payment for services excludes the possibility of using this method and system for users located at a considerable distance from this system and not having the opportunity to purchase a detectable object specially made for this system at their location.
  • additional equipment namely, tools with local memory, leads to an increase in the total cost of system equipment.
  • the basis of the invention is the task of creating a method of payment for services, mainly transport services with such techniques and an automated system for its implementation with such design features that would expand the capabilities of the proposed method and system, organize an open non-cash non-banking system for paying for various services of various service providers with using the same detectable object services available to each user, use different detectable objects that are available to the user of services that have an identifier and interact with the detectors according to one of various standard interaction protocols, regardless of the place of manufacture of the detected objects, their initial purpose and type of services provided, which would increase the usability of the proposed method and system, would make the proposed method and automated system available to a wide range of users, not necessarily living in a place before abandonment of the service, reduce the cost of using the method and operation of the system by eliminating the cost of manufacturing special detectable objects and by reducing the cost of paying for information exchange traffic and lowering financial losses arising from data mismatch during information exchange traffic, which reduces the total cost of the proposed method and automated system, and also provides faster decision-making on authorization of
  • This problem has been solved by creating a method of payment for services, mainly transport services, including: creating a central database capable of receiving, storing, generating, changing and transmitting data; input and storage in the specified central database of many personal accounts, each of which is adapted to receive, store, generate, modify and transmit data and interact with the corresponding set of service users; the introduction of a plurality of detectable objects, each of which contains a corresponding identifier made in a machine-readable format and adapted to communicate with the corresponding personal account of a user of services; placing at a plurality of service start and / or end points of providing services of a plurality of detectors, each of which is adapted to detect said detected objects, read the corresponding identifiers from detected detected objects and permit or prohibit the provision of services to users of services for the corresponding detected detected objects; entering by each user of services and storing in the appropriate personal account the identifier of each detected object and the value of the available balance for paying services to each user of services for the identifier of each detected object, while, according
  • the technical result of the present invention is to expand the capabilities of the proposed method, by providing the possibility of creating an open non-cash non-bank method of payment for services, mainly transport services, one or more service providers using any detectable object that is available for each user of the service, which has an identifier and interacts with detectors according to one of the various standard interaction protocols, regardless of the place of manufacture eniya detected objects, their original purpose and the type of services provided, which increases the ease of the process, allows you to make the proposed method available to th a wide range of users who do not necessarily live in the place of provision of services; the ability to pay for various services of various service providers using the same detected object available to the user of the services; the possibility of reducing the cost of using the method by eliminating the cost of manufacturing special detectable objects.
  • the ability to connect each detector directly with the central database reduces the cost of paying for information exchange traffic, which reduces the total cost of the system.
  • the possibility of recognition by each detector of the identifier of each used detectable object in the information read from each detectable object allows using any detectable object that has an identifier and interacts with the detectors using one of various standard interaction protocols, regardless of the place of manufacture of the detected object and its original purpose.
  • Entering and storing in the central database of at least one account office of the service provider allows you to provide one or several different services using the same detectable object, which allows you to use the proposed method to provide not only transport services, but also other services, for example, the services of museums, parks, bicycle rental services and the like, paid services, using the same available device as a detected object for each user yz detected object, which has an identifier and cooperates with detectors according to one of the interaction of various standard protocols.
  • the ability to connect each detector directly with the central database and the implementation of the central database with the ability to calculate the cost and write off the calculated cost without additional equipment reduces the traffic of information exchange between each detector and the central database, which reduces the cost of using the method by reducing the cost of payment of traffic, and also reduces financial losses arising from the mismatch of available balances in the implementation of information exchange traffic, which in turn, reduces the total cost of the proposed method.
  • each detector the date and time of the start and / or end of the provision of a particular service to the corresponding user of services is recorded for the identifier of the corresponding detected object, data are transmitted according to the date and time of the start and / or end of the provision of a specific service from each detector to a central database, in which the calculation of the duration of the provision of a particular service was carried out, while the cost of this service was calculated taking into account the calculated duration of provision of a specific service.
  • This makes it possible to pay for services of various service providers, the cost of which depends on the duration of the service, using the same detectable object that the user has available. For example, bike rental, parking and the like.
  • the relevant users of the service make the deposit and storage in the appropriate personal account of several identifiers that correspond to several corresponding detected objects that are available to this user of the service. This allows you to enter identifiers of several detected objects into your personal account and use any of these detected objects to receive services, as well as parents can enter identifiers of detected objects used by their children into their personal account, for example, to pay for meals at school, travel by transport and the like, which expands the possibilities of the proposed method.
  • the corresponding users of the services make the entry and storage in the appropriate personal account of the values of available balances for the identifiers of several detected objects, data on the forms of payment and the procedure for choosing the form of payment for services to each user of the services for the identifier of each detected object.
  • This allows you to implement an open non-cash non-banking method of payment for services using various forms of payment for services, which expands the possibilities of the proposed method.
  • the respective users of the services replenish the value of the corresponding available balance and store the replenished value of the corresponding available balance in the corresponding personal account. This also extends the possibilities of the proposed method.
  • the task was also solved by creating an automated system for paying for services, mainly transport services, comprising: a central management complex, including many personal accounts, made with the possibility of interaction with the corresponding set of service users; a plurality of detectable objects, each of which contains an identifier made in a machine-readable format and adapted to communicate with a corresponding personal account, each of which is capable of entering services by each user and storing the identifier of each detected object and the value of the available balance for paying for services to each user of services for the identifier of each detected object; a plurality of detectors located at a plurality of points of start and / or end of the provision of services, each of which is capable of detecting detectable objects, reading the corresponding identifiers from the detected detectable objects and permitting or prohibiting the provision of services to users of services for the corresponding detected detectable objects, wherein, according to of the invention, the detected object is at least one available for each user of the services of children object to be called that has an identifier and is configured to interact with the detector
  • the technical result of the present invention is to expand the capabilities of the proposed automated system, to provide the possibility of creating an open non-cash non-bank automated payment system for services, mainly transport services, of one or more service providers using any detectable object that is available for each user of the service, having an identifier and interacting with detectors according to one of various standard interaction protocols , regardless of the place of manufacture of the detected objects, their initial purpose and type of services provided, which increases the convenience of the proposed automated system, makes the proposed automated system available to a wide range of users who do not necessarily live in the place of provision of services; the ability to pay for various services of various service providers using the same detected object available to the user of the services; the possibility of reducing the cost of using the system by eliminating the cost of manufacturing special detectable objects.
  • the ability to connect each detector directly with the central database reduces the cost of paying for information exchange traffic, which reduces the total cost of the system.
  • the presence of the possibility of recognition by each detector in the information of the identifier of each used detectable object read from each detected object allows you to use any detectable object that has an identifier and interacts with the detectors according to one of various standard interaction protocols, regardless of where the detected objects were made, their initial destination and type of services provided.
  • Entering and storing in the central control complex of at least one account office of the service provider allows you to provide one or several different services using the same detectable object, which allows you to use the proposed automated system to provide not only transport services, but and other services, for example, the services of museums, parks, bicycle rental services and the like, paid services, using the same property as a detectable object
  • Each user of the services has a detectable object that has an identifier and interacts with the detectors according to one of the various standard interaction protocols.
  • the ability to connect each detector directly with the central database and the central database with the ability to calculate the cost and write off the calculated cost without additional equipment reduces the traffic of information exchange between each detector and the central database, which reduces the cost of using the system by reducing the cost of payment of traffic, and also reduces financial losses arising from the mismatch of available balances in the implementation of information exchange traffic, which in turn, reduces the total cost of the proposed system.
  • each detector In order to ensure the possibility of paying for services of various service providers, the cost of which depends on the duration of the service, using the same detected object that the user has available, it is convenient for each detector to be able to fix the date and time the beginning and / or end of the provision of a specific service to a user of services for the identifier of the corresponding detected object and with the possibility of transmitting data by the date and time of the beginning and / or end of the provision of a particular service to the central control complex, configured to calculate the duration of the provision of a particular service, while calculating the cost of this service is carried out taking into account the calculated duration of the provision of a particular service.
  • each detector be configured to record the start and / or end of a particular service services to the services user for the identifier of the corresponding detected object and with the possibility of transmitting data to the places of the beginning and / or end of the provision of services etnoy services from each detector to the central control center, configured to perform the calculation range of a particular service, wherein the calculation of the cost of the service is performed with the calculated range of the particular service.
  • each personal account be configured to enter the services by the corresponding user and store several identifiers that correspond to several corresponding detectable objects that this user has available.
  • each personal account is advantageous for each personal account to be able to enter services by the corresponding user and store values of available balances for identifiers of several detected objects, data on payment methods and the procedure for choosing a form of payment for services for each user of services for the identifier of each detected object .
  • each personal account is configured to replenish the value of the corresponding available balance and store the replenished value of the corresponding available balance in the corresponding personal account.
  • the specified Central control complex was performed with the ability to send a notification to the appropriate user of services about the implementation of a particular service and writing off the calculated cost of this service from the available balance of the cost of services in your personal account.
  • the central control complex contain the following equipment that interacts through the appropriate communication buses: server for controlling the operation of the automated system and processing data received from detectors; a memory block of data received from the detectors and sent to the detectors; data exchange unit of the central complex and detectors; server for maintaining personal accounts; memory blocks of personal accounts associated with the identifiers of the indicated detected objects; server maintaining the account of at least one service provider; a memory block of an account cabinet of at least one service provider; a server for introducing identifiers, values of available balances for payment of services, and data on the form of payment for services to each service user into the memory blocks of personal accounts for the corresponding identifier of each detected object; a server for calculating the cost of services to a user of the service to whom the service is provided using the detected object; a server for writing off the estimated cost of services from the available balance to pay for services in the memory block of the personal account of each service user who is provided with the service using the detected
  • each detector additionally contains the following equipment that interacts through the appropriate communication buses: a unit for fixing the date and time of the beginning and / or end of the provision of a particular service to the corresponding user of services for the identifier of the corresponding detected object and block fixation of places of origin and / or the end of the provision of a specific service to the corresponding user of services for the identifier of the corresponding detected object, while the server for entering the specified data into the memory blocks of personal accounts is configured to enter the procedure for choosing the form of payment for services, and the central control complex further comprises: a unit for calculating the duration of the provision of a specific services; a unit for calculating the range of a particular service; a unit for selecting a form of payment for services to each user of services for the identifier of the corresponding detected object using the procedure for selecting a form of payment for services; a block for sending a notification to the corresponding user of services about the
  • the proposed method of payment for services mainly transport services is as follows.
  • the method of payment for services includes the creation of a central database capable of receiving, storing, generating, modifying and transmitting data.
  • a central database capable of receiving, storing, generating, modifying and transmitting data.
  • many personal accounts are entered and stored, each of which is adapted to receive, store, configure, modify and transmit data and interact with the corresponding set of service users.
  • the account office of at least one service provider is entered and stored.
  • the accounting office is adapted to receive, store, generate and transmit data, at least about the cost of its services.
  • Each user of services contributes and stores in his personal account identifiers of detected objects with which the services are provided to the user of services.
  • the relevant user of the services can be entered into the personal account (and stored in this personal account) identifiers of several detected objects, for example, the identifier that will be used by the service consumer who created his personal account, and identifiers of the detected objects that will be used by his family members; or identifiers of several detected objects that will be used by employees of the organization to whom the organization pays for services, for example, as part of a social package, and the like.
  • each user of services brings to his personal account and stores in this personal account the value of the available balance for paying for services for the identifier each detected object, data on forms of payment and, if necessary, the procedure for choosing a form of payment for services to each user of services for the identifier of each corresponding detected object.
  • the user can enter the value of the available balance to pay for services using a credit card, bank account, mobile phone account, electronic payment services on the Internet (for example, PayPal, Apple Pay, Google Wallet, Samsung Pay, WebMoney, Yandex.Money and others ) Entering the available balance values can be done via the Internet or the application in a mobile phone, which increases the convenience for the user of services, eliminating the need to use special terminals to replenish the balance or visit the bank. Entering into your personal account data on one or several forms of payment for services provides the ability to use automatic replenishment of the available balance for payment of services while reducing the balance below the level established by the rules of the proposed system of payment for services.
  • forms of payment for services a credit card account, a bank account, a mobile phone bill, an electronic wallet of electronic payment services on the Internet (for example, PayPal, WebMoney, Yandex.Money and others) and the like can be used.
  • a central database can be created using cloud computing technology, which provides data processing, storage, networks and other basic computing resources on which arbitrary software can be deployed and run, including operating systems and applications.
  • cloud computing technology provides data processing, storage, networks and other basic computing resources on which arbitrary software can be deployed and run, including operating systems and applications.
  • the use of cloud technology significantly reduces the cost of creating and owning a service payment system, since it does not require the purchase of expensive server equipment and the maintenance of personnel servicing this equipment and a central base.
  • the central base can be created using its own server hardware, described below.
  • the proposed method involves the use of many different detectable objects, each of which contains a corresponding identifier made in a machine-readable format and adapted to communicate with the corresponding personal account of each user of services.
  • At least one detectable object that was purchased by each user of the service that was purchased by the user for another purpose, for example, for telephone communication, is used as a detectable object. for access to the Internet, for banking operations and the like.
  • information corresponding to the original purpose of the specified detected object and ensuring its functioning in this quality is recorded.
  • this information is made in a machine-readable format according to one of the various standard interaction protocols and necessarily has an identifier designed to determine the specific object to be detected.
  • the specified identifier is used as the identifier of the corresponding detected object, which interacts with many detectors (described below) according to one of various standard interaction protocols, regardless of the place of manufacture of the detected object, the location of the corresponding service user at the time of communication with the corresponding personal account and the location of the corresponding detector at the time of interaction with the detected object.
  • one of the various standard interaction protocols can be used, for example, the radio frequency identification standard (RFID) ISO / IEC 14443, the technology of short-range wireless data transmission (NFC), a QR code or a QR code reflected on a detected object on the display of the corresponding detected object, or any other known standard protocol for the interaction of the corresponding identifiers with the corresponding detectors.
  • RFID radio frequency identification standard
  • NFC short-range wireless data transmission
  • QR code or a QR code reflected on a detected object on the display of the corresponding detected object or any other known standard protocol for the interaction of the corresponding identifiers with the corresponding detectors.
  • any contactless smart cards having identifiers read, for example, according to the radio frequency identification standard (RFID) ISO / IEC 14443, devices (mobile phones, tablets, and the like) using small wireless data technology can be used as detected objects.
  • radius of action (FC) radius of action
  • the corresponding detector at the time of interaction with the corresponding detectable object can be placed in any place corresponding to a particular service provided by a particular service provider.
  • appropriate detectors can be installed in the lobby of the subway, in the salons of a bus, trolley or tram, in the entrances to the lobby of the theater, museum, park and the like.
  • the detected object can be made in any location, depending on the original purpose of this detected object.
  • mobile phones, tablets, and the like, used as detectable objects can be made in any country of their manufacture. The main thing is that these devices have an identifier read by the detectors according to one of the various standard interaction protocols (for example, described above) that are entered into each detector.
  • the specified set of detectors is placed in a set of points of the beginning and / or end of the provision of services, while each of the many detectors is adapted to receive, store, generate, modify and transmit data, as well as to detect detected objects and read information corresponding to the original purpose of the detected object from detected detected objects according to one of various standard interaction protocols, for example, according to the radio frequency identification standard (RFID) ISO / IEC 144 43, by the technology of wireless short-range data transmission (NFC), by the QR code applied to the detected object, or by the QR code reflected on the display of the detected object or any other known standard protocol for the interaction of the corresponding identifiers with the corresponding detectors.
  • RFID radio frequency identification standard
  • NFC wireless short-range data transmission
  • each detector is adapted for recognition (using, for example, one of the specified interaction standards) in the read information of the identifiers of the detected detected objects described above, as well as for direct communication with a central database.
  • the points of start and / or end of the provision of services may be, for example, the entrance halls of subway stations, buses, trolleybuses, trams, museum entrances, park entrance, skating rinks, bicycle rentals, parking lots, taxis and the like.
  • the indicated set of detectors is placed either at the set of start points the provision of services, either in a plurality of points of completion of the provision of services, or in a plurality of points of beginning and end of the provision of services.
  • transport services are an advantage, since the widest range of users of services uses transport services.
  • the proposed method includes the formation in the central database of a list of identifiers for which services are available and a list of identifiers for which services are prohibited, which are carried out using identifiers and the values of available balances entered by the respective users of the services and stored in the respective personal accounts.
  • the proposed method includes transmitting from a central base and storing in each detector a list of identifiers for which services are available, and a list of identifiers for which services are prohibited.
  • the proposed method includes comparing the corresponding detector identifiers of detected detected objects with a list of identifiers to which services are available, and a list of identifiers that are prohibited services stored in the corresponding detector; making a decision by the appropriate detector on authorizing or prohibiting the provision of services to users of services for the corresponding detected detected objects based on the list of identifiers to which the services are available and the list of identifiers that are prohibited from the services stored in the corresponding detector; permission or prohibition of the provision of services to each user of services through an appropriate detector; transfer from each detector to the central database of identifiers of the corresponding detected objects of service users who are provided with specific services.
  • decision making carried out directly in the detector, significantly reduces the time of the specified decision.
  • the cost of services is calculated for each service user who is provided with a specific service by the corresponding detector for the corresponding detected object, and this calculation is carried out using the identifier of the corresponding detected object and data on the cost of services stored in the account office of each respective service provider; debiting in the appropriate personal account through the central base of the calculated value of each provided a particular service with a corresponding available balance for payment of services to each user of services for the identifier of each corresponding detected object.
  • they check the availability of sufficient funds to pay the estimated cost of the service on the available balance in the personal account of the corresponding user of the services who are provided with the service using the detected object.
  • the specified identifier of the specific detected object is recorded in the list of identifiers to which the services are prohibited.
  • the central database saves in the appropriate personal account received after the indicated write-off of the corresponding updated value of the available balance for payment of services to each user of services.
  • the actions described above reduce the traffic of information exchange between each detector and the central database, which, in turn, reduces the cost of implementing the proposed method by reducing the cost of paying for traffic, and also reduces financial losses (which occur when the available balances are mismatched during implementation information exchange traffic in the presence of additional equipment), which, in turn, reduces the total cost of the proposed method.
  • the central database periodically updates the list of identifiers for which services are available and the list of identifiers for which services are prohibited, and transfers the updated lists of identifiers for which services are available and for which services are prohibited after each update to each detector.
  • the central database performs the indicated periodic updating of the lists of identifiers using identifiers and values of available balances entered by users of services and stored in the respective personal accounts, as well as taking into account the availability of sufficient funds to pay the estimated cost of the service on the available balance in the personal account of the corresponding service user.
  • each detector records the date and time of the beginning and / or end of the provision of a particular service to the corresponding user of services for the identifier of the corresponding detected object, while transmitting data on the date and time of the beginning and / or end of the provision of a specific service from each detector to the central database, in which the calculation of the duration of the provision of a particular service is carried out, while the cost of this service is calculated taking into account om the estimated duration of the particular service.
  • each detector records the beginning and / or end of a particular service to the corresponding user of services for the identifier of the corresponding object to be detected, while transmitting data at the beginning and / or end of a specific service from each detector the central database in which the calculation of the range of a particular service is carried out, while the cost of this service is calculated taking into account Read range of specific services.
  • the corresponding user of the service makes the deposit and storage in the corresponding personal account of several identifiers that correspond to the several available detected objects that this user has in the service.
  • the corresponding user of the services makes the entry and storage in the corresponding personal account of the values of available balances for the identifiers of several detected objects, data on the forms of payment and the procedure for choosing the form of payment for services to each user of services for the identifier of each detected object.
  • the corresponding user of services replenishes the value of the corresponding available balance and stores the replenished value the corresponding available balance in the corresponding personal account for the identifier of each detected object.
  • a notification is sent to the corresponding user of the service about the implementation of a particular service and the write-off of the estimated cost of this service from the available balance of the cost of services in your personal account.
  • the use of the invention provides the expansion of the capabilities of the proposed method, provides the possibility of creating an open non-cash non-banking method of payment for services, mainly transport services, of one or more service providers using any detectable object that is available for each user of the service, having an identifier that interacts with the detectors according to one of various standard communication protocols described above, regardless of where otovleniya detected objects, their original purpose and the type of services provided, allowing you to make the proposed method for a wide range of users, not necessarily living in the place of service provision; provides the ability to pay for various services of various service providers using the same detected object available to the user of the services; provides the opportunity to reduce the cost of using the method by eliminating the cost of manufacturing special detectable objects, provides the opportunity to reduce the cost of paying for traffic information exchange, which reduces the total cost of the proposed method, provides the ability to use any detected object that has an identifier that interacts with detectors according to one of the various standard interaction protocols, regardless of where the detector was made objects and their initial purpose, provides the ability to
  • the proposed method of payment for services is described in detail when describing the proposed automated system for paying for services and its operation.
  • the proposed automated system for paying for services mainly transport services, contains: a central control complex 1, many detectors 2 and many detectable objects 3.
  • the central control complex 1 contains many personal accounts configured to interact with the corresponding plurality of service users and with the possibility of each service user entering and storing the identifier of each detected object 3, the value of the available balance for paying services to each service user for the identifier of each detected object 3, data at least one form of payment for services and, if necessary, the procedure for choosing a form of payment for services.
  • the central management complex 1 contains an account room of at least one service provider, configured to provide data on at least the cost of their services.
  • Each detected object 3 contains a corresponding identifier made in a machine-readable format and adapted to communicate with appropriate personal account.
  • personal accounts, account and identifiers are not shown on the drawing.
  • Each detectable object 3 represents at least one detectable object 3 available for each user of services, which, for example, was purchased by the user for another purpose, for example, for telephone communications, for access to the Internet, for banking operations, and so on. like that.
  • information is recorded corresponding to the original purpose of the specified detected object 3 and ensuring its functioning in this quality.
  • this information is made in a machine-readable format according to one of the various standard interaction protocols and necessarily has an identifier designed to determine the manufacturer of this detected object.
  • the specified identifier is used as the identifier of the corresponding detected object 3, which interacts with many detectors 2 (described below) according to one of various standard interaction protocols, regardless of the place of manufacture of the detected object, the location of the corresponding user of services at the time of communication with the corresponding personal account and the location of the corresponding detector 2 at the time of interaction with the detected object 3.
  • the radio frequency identification standard (RFID) ISO / IEC 14443 the technology of wireless short-range data transmission (NFC), a QR code or a QR code displayed on a display, printed on a detected object can be used the corresponding detected object, or any other known standard protocol for the interaction of the corresponding identifiers with the corresponding detectors.
  • the detected objects 3 can be used any contactless smart cards having identifiers read, for example, according to the radio frequency identification standard (RFID) ISO / IEC 14443, devices (mobile phones, tablets, and the like) using wireless data transfer technology short range (NFC).
  • the proposed automated system includes many detectable objects 3, each of which contains an identifier configured to read each detector 2 one of various standard interaction protocols, regardless of the place of manufacture of the detected object 3, the location of the service user at the time communication with the corresponding personal account and the location of the corresponding detector 2 at the time of interaction with the detected object 3.
  • detectable object 3 can be made anywhere, depending on the original purpose of this detectable object 3, the user of services at the time of communication with the corresponding personal account can be at any point where the Internet is available, and each detector 2 can be placed in any a place corresponding to a particular service provided by a particular service provider.
  • detectable objects 3 can be used to obtain services. For example, a resident of St. Russia can receive services in Moscow for detectable object 3, released in St. Russia and intended, for example, to pay for transport services in St. Russia.
  • Mobile phones, tablets, and the like, used as detectable objects 3, can be manufactured in any country of their manufacture. The main thing is that these devices have an identifier read by the detectors 2 according to one of the various standard interaction protocols, for example, those described above.
  • a plurality of detectors 2 are located at a plurality of service start and / or end points. Each detector 2 is capable of detecting detected objects 3, reading information from detected detected objects 3, recognizing the corresponding identifiers in the read information, deciding whether to allow or prohibit the provision of services to users of services for the respective detected objects 3 and to enable or disable the provision of these services. In addition, each detector 2 is configured to directly communicate with the central control complex 1.
  • the corresponding detector 2 at the time of interaction with the corresponding detectable object 3 can be placed at any place corresponding to a particular service provided by a particular service provider.
  • the corresponding detectors 2 can be installed in the lobby of the subway, in the salons of the bus, trolley or tram, in the entrances to the lobby of the theater, museum, park and the like, served by the proposed system.
  • the detected object 3 can be manufactured anywhere, depending on the initial purpose of this detected object 3.
  • mobile phones, tablets and the like, used as detected objects can be made in any country of their manufacture. The main thing is that these devices have an identifier read by the detectors 2 according to one of the various standard interaction protocols (for example, described above), which are entered into the memory of each detector 2.
  • a service provider can be one or more. It depends on the location of the detectors 2, as well as the type and quantity of various services provided, paid using the proposed automated system.
  • the points of start and / or end of the provision of services may be, for example, the lobby of metro stations, bus, trolleybus, tram, museum entrances, park entrance, skating rink, bike rental, parking, taxi and similar facilities. This extends the capabilities of the proposed automated system.
  • each personal account can be made with the possibility of entering the services by the corresponding user and storing several identifiers that correspond to several corresponding detectable objects that this user has available 3.
  • each personal account can be made with the possibility of entering the services by the corresponding user and storing the values of available balances for the identifiers of several detected objects 3, data on the forms of payment for services to each service user for the identifier of each detected object 3 and the procedure for choosing the form of payment for services to the corresponding user services.
  • each personal account can be made with the possibility of entering by each user of the services and storing identifiers of the detected objects 3, which will be used by the user of the services that created the personal account; identifiers of detected objects 3, which will be used by members of his family; identifiers of the detected objects 3, which will use employees of the organization to whom the organization pays for services, for example, as part of a social package.
  • each personal account can be configured to replenish the value of the corresponding available balance and store the replenished value of the corresponding available balance in the corresponding personal account.
  • the user can enter the available balance values for payment for services into the user’s account using a credit card, bank account, mobile phone account, Internet electronic payment services (for example, PayPal, Apple Pay, Google Wallet, Samsung Pay, WebMoney, Yandex. Money and others).
  • Deposits can be made via the Internet or the application in a mobile phone, which increases the convenience of the user of services, eliminating the need to use special terminals to replenish the balance or visit the bank.
  • Entering into your personal account data on one or several forms of payment for services can provide the ability to automatically replenish the available balance for payment of services while reducing the balance below the level established by the rules of the proposed system of payment for services.
  • the form of payment for services can be a credit card account, bank account, mobile phone bill, electronic wallet of electronic payment services on the Internet (for example, PayPal, WebMoney, Yandex.Money and others).
  • the central control complex 1 can be created using cloud computing technology, which provides data processing facilities, storage, networks and other basic computing resources on which arbitrary software can be deployed and run, including operating systems and applications.
  • cloud technology significantly reduces the cost of creating and owning an automatic payment system for services, since it does not require the purchase of expensive server equipment and the maintenance of personnel servicing this equipment and the central management complex 1.
  • the central control complex 1 can be created using its own server equipment, described below.
  • each detector 2 with the ability to read information from detected detected objects 3 and recognition in the read information of the identifiers of detected detected objects 3 provides the ability to pay for the services of one or more service providers using any available to each user services of the detected object 3, interacting with the detectors 2 according to one of the various standard interaction protocols, regardless of the place of manufacture of the detected objects 3, their initial purpose and type of services provided, which makes the proposed automated system available to a wide range of users who do not necessarily live in the place of service provision, and also provides the ability to pay for various services from different service providers using the same available of Tell the detected object 3 services.
  • each detector 2 adapted to communicate directly with the central control complex 1 (without the help of additional equipment) reduces costs and reduces financial losses for the operation of the system, which, in turn, reduces the total cost of the proposed system.
  • each detector 2 adapted to communicate directly with the central control complex 1 (without the help of additional equipment) ensures the simplification and cheapening of the proposed system, which also reduces the overall cost of the system, as well as provides a faster decision-making on authorization of the provision of services, which when providing transportation services reduces the time of passenger boarding and the emission of harmful substances into the atmosphere by automobile passenger transport.
  • the central control complex 1 is configured to generate a list of identifiers for which services are available and a list of identifiers for which services are prohibited, using identifiers and values of available balances entered by users of services and stored in their respective personal accounts; with the possibility of transmitting to each detector 2 a list of identifiers for which services are available, and a list of identifiers for which services are prohibited.
  • Each detector 2 is configured to store a list of identifiers for which services are available, and a list of identifiers for which services are prohibited, received from the central control complex 1; with the possibility of comparing identifiers of detected detected objects 3 with a list of identifiers to which services are available, and a list of identifiers to which services are prohibited, stored in the corresponding detector 2; with the possibility of deciding whether to allow or prohibit the provision of services to users of services for the corresponding detected detected objects 3 based on the list of identifiers to which services are available and the list of identifiers to which services are prohibited, stored in corresponding detector 2; with the possibility of transferring to the central management complex 1 the identifiers of the respective detected objects 3 service users to whom the services are provided.
  • the central control complex 1 is configured to calculate the cost of services to each service user who is provided with a specific service by the corresponding detector 2 for the corresponding detected object 3; with the possibility of performing the specified calculation using the identifier of the corresponding detected object 3 and data on the cost of services stored in the account office of each respective service provider; with the possibility of writing off in the appropriate personal account the calculated cost of each service provided from the corresponding available balance for paying services to each user for the services of the identifier of the corresponding detected object 3. Moreover, with the indicated write-off, the central control complex 1 checks if there are sufficient funds to pay the calculated cost of the service on the available balance in the personal account of the relevant user of the service to whom the service is provided using of a specific detected object 3.
  • the central control complex 1 In case of insufficient funds to pay for the received service on an available balance in the personal account of the corresponding user of services associated with the identifier of the specific detected object 3 for which the service is received, the central control complex 1 records the specified identifier of the specific detected object 3 in the list identifiers to which services are prohibited.
  • the central control complex 1 is configured to save in the appropriate personal account the corresponding updated value of the available balance for payment of services received after said write-off.
  • the indicated constructive implementation of the central control complex 1 reduces the traffic of information exchange between each detector 2 and the central control complex 1, which, in turn, reduces the cost of using the proposed system by reducing the cost of paying for traffic, and also reduces the financial losses that occur during the mismatch available balances in the implementation of information exchange traffic in the presence of additional equipment, which, in turn, reduces the total cost of the proposed method.
  • the central control complex 1 is configured to periodically update the list of identifiers to which services are available, and the list of identifiers to which services are prohibited and with the possibility of transferring received after the update, updated lists of identifiers to which services are available and which are prohibited from the central control complex 1 to each detector 2.
  • the central management complex 1 carries out the indicated periodic updating of the lists of identifiers using identifiers and the values of available balances entered by service users and stored in the respective personal accounts, as well as taking into account the availability of sufficient funds to pay the estimated cost of the service on the available balance in the personal account of the corresponding service user.
  • Each detector 2 can be made with the possibility of fixing the date and time of the beginning and / or end of the provision of a specific service to the user of the service for the identifier of the corresponding detected object 3 and with the possibility of transmitting these data to the central control complex 1, configured to calculate the duration of the specific service, however, the calculation of the cost of this service is carried out taking into account the specified calculated duration of the specific service. This ensures an increase in the number of services paid using the same detected object available to the user, by connecting service providers, the cost of services of which depends on the duration of the service. For example, bike rental, parking and the like.
  • Each detector 2 can be made with the possibility of fixing the start and / or end of the provision of a particular service to the user of the service for the identifier of the corresponding detectable object 3 and with the possibility of transmitting data at the start and / or end of the provision of a specific service from each detector 2 to the central control complex 1 made with the possibility of calculating the range of a particular service, while the cost of this service is calculated taking into account the calculated range tee providing a specific service.
  • This makes it possible to increase the number of services paid using the same detectable object 3 available to the user, by connecting service providers, the cost of which depends on the range of services. For example, travel by transport with a zonal fare (commuter trains, commuter buses, and the like).
  • each personal account can be made with the possibility of entering the services by the corresponding user and storing several identifiers that correspond to several detectable objects that are available for this user of services. 3
  • a user of services can enter identifiers of several detected objects 3 into their personal account and use any of these detected objects 3 to receive services
  • parents can enter identifiers of detected objects 3 into their personal account that their children use to pay for meals at school, travel on transport and the like.
  • Each personal account can be made with the possibility of the user entering the services and storing at least one additional identifier that corresponds to the additional detectable object 3 available to the user of the services, the available balance value for payment of services to the corresponding service user for the identifier of the additional detectable object 3 , data of at least one form of payment for services to the corresponding user of services for the identifier of additional children ktiruemogo object 3 and the order of selecting a form of payment for the services of the respective user services.
  • the central control complex 1 is configured to periodically update the list of identifiers to which services are available, which are carried out using the identifier of the corresponding additional detected object 3, entered by the corresponding user of services in the corresponding personal account, and periodically update the list of identifiers that are prohibited from performing services using the value of the available balance to pay for services to the corresponding user ug for the corresponding additional detected object 3, contributed by the corresponding user of services to the corresponding personal account, as well as with the possibility of transmitting updated lists of identifiers to which are available services and to which services are prohibited in each detector 2. This extends the capabilities of the proposed system.
  • the central control complex 1 can be configured to select a form of payment for services to a user of services for the identifier of the corresponding detectable object 3 and the corresponding additional detectable object 3 from data on the form of payment for services and the procedure for choosing the form of payment made by the corresponding user of services and stored in the corresponding personal office.
  • Each personal account can be made with the possibility of replenishing the available balance and storing replenished values of the available balance to pay for services to the corresponding user of services for the identifier of the corresponding detected object 3 and the identifier of the corresponding additional detected object 3.
  • the central control complex 1 can be configured to send a notification to the corresponding user of services about the implementation of a particular service and write off the calculated cost of this service from the available balance of the cost of services in the personal account of the corresponding service user.
  • the central control complex 1 contains the following equipment, interacting through appropriate communication buses: server 4 for controlling the operation of an automated system and processing data received from detectors 2; block 5 memory data received from the detectors 2 and sent to the detectors 2; block 6 data exchange of the Central complex 1 and detectors 2; server 7 for maintaining personal accounts of service users; blocks 8 memory personal accounts associated with the identifiers of the detected objects 3; server 9 maintaining the account of at least one service provider; block 10 memory of the account of at least one service provider; a server 11 for introducing identifiers, values of available balances for paying for services, and data on the form of payment for services to each service user for the identifier of each detected object 3 into blocks 8 of the memory of personal accounts of users of personal services; a server 12 for calculating the cost of services to a user of the service to whom the service is provided using the detected object 3; a server 13 for writing off the estimated cost of services from the available balance to pay for services in block 8 of the memory of the personal account of each user of the service to whom the service was provided using
  • each detector 2 contains the following equipment, interacting through the respective communication buses: block 15 for detecting detected objects 3 and reading information from detected objects 3; block 16 recognition of identifiers in the read information from the detected objects 3; a memory unit 17 of each detector 2; block 18 deciding whether to allow or prohibit the provision of services for the corresponding identifier of the corresponding detected object 3; block 19 data exchange of each detector 2 and the Central complex 1.
  • the server 1 1 of the introduction into blocks 8 of the memory of personal accounts of users of services of the specified data of the central control complex 1 can be configured to enter into blocks 8 of the memory of personal accounts of the procedure for choosing the form of payment for services.
  • the central control complex 1 may further comprise the following equipment interacting via appropriate communication buses: a unit 20 for calculating the duration of a particular service; block 21 calculating the range of the provision of a particular service; block 22 choosing a form of payment for services to each user of services for the corresponding identifier of the corresponding detected object 3 using the procedure for choosing a form of payment for services; a block 23 for sending a notification to the corresponding user of services on the implementation of a particular service and writing off the calculated cost of this service from the available balance of the cost of services in the memory 8 of the personal account of each service user.
  • each detector 2 may additionally contain the following equipment interacting through the respective communication buses: block 24 for fixing the date and time of the beginning and / or end of the provision of a particular service to the corresponding user of services for the identifier of the corresponding detected object 3 and block 25 for fixing the places of start and / or end providing a specific service to the corresponding user of services for the identifier of the corresponding detected object 3.
  • All servers and blocks of the proposed automated system interact via communication buses, switched, non-switched communication channels, radio channels, which are indicated on the accompanying drawing by solid lines (a) connecting the servers and blocks of the proposed automated system.
  • dashed line (c) shows the logical connections of the detected objects 3 with the memory blocks 8 of personal accounts located in the central control complex 1.
  • the central complex 1 and the detectors 2 may comprise any other known equipment capable of performing the functions described above and below of the central control complex 1, the detectors 2, and the equipment contained therein.
  • the server 4 for controlling the operation of the proposed automated system and for processing data received from the detectors 2 is, for example, executed on an HP Integrity gx8640 or IBM Power 770 computer with corresponding peripherals using Oracle or PostgreSQL DBMSs and HP-UX, AIX, or Linux system software.
  • Block 5 of the memory data received from the detectors 2 and sent to the detectors 2 is made, for example, using long-term and random access memory HP Integrity gx8640 or IBM Power 770.
  • the data exchange unit 6 of the central complex 1 and detectors 2 is executed, for example, on an HP Integrity gx8640 or IBM Power 770 computer with corresponding peripherals using Oracle or PostgreSQL DBMS and HP-UX, Microsoft Windows or Linux system software.
  • the server 7 for maintaining user accounts of service users is executed, for example, on an HP Integrity gx8640 or IBM Power 770 computer with appropriate peripherals using Oracle or PostgreSQL DBMSs and HP-UX, Microsoft Windows, or Linux system software.
  • Blocks 8 of the memory of personal accounts associated with the identifiers of the detected objects 3 are made, for example, using long-term and random access memory HP Integrity gx8640 or IBM Power 770.
  • the server 9 maintaining the account cabinet of at least one service provider is, for example, executed on an HP Integrity gx8640 or IBM Power 770 computer with corresponding peripherals using Oracle or PostgreSQL DBMS and HP-UX, Microsoft Windows or Linux system software.
  • the memory block 10 of the account cabinet of at least one service provider is made, for example, using long-term and operational memory HP Integrity gx8640 or IBM Power 770.
  • Server 1 1 of introducing identifiers, values of available balances for paying for services, data on the form of payment for services to each service user for the identifier of each detected object 3 and the procedure for choosing the form of payment for services, made into blocks 8 of the memory of personal accounts of users of services of services, for example, on a computer HP Integrity rx8640 or IBM Power 770 with appropriate peripherals using Oracle or PostgreSQL DBMS and HP-UX, Microsoft Windows or Linux system software.
  • the server 12 for calculating the cost of services to a service user who is provided with the service using the detected object 3 is, for example, executed on an HP Integrity rx8640 or IBM Power 770 computer with the corresponding peripherals using Oracle or PostgreSQL DBMS and HP-UX, Microsoft Windows or Linux system software .
  • the server 13 for writing off the calculated cost of services from the available balance to pay for services in block 8 of the personal account memory of each service user who is provided with the service using the detected object 3 is executed, for example, on an HP Integrity gx8640 computer or IBM Power 770 with the corresponding peripherals using the DBMS Oracle or PostgreSQL and system software HP-UX, Microsoft Windows or Linux.
  • Block 14 forming the list of identifiers for which services are available and the list of identifiers for which services are denied is performed, for example, on an HP Integrity gx8640 or IBM Power 770 computer with corresponding peripherals using Oracle or PostgreSQL DBMS and HP-UX, Microsoft Windows or Linux system software .
  • Detectors 2 are made, for example, on MV-3000 or MV-3100 devices with Linux system software.
  • Block 15 for detecting detected objects 3 and reading information from detected objects 3 is made, for example, on a contactless smart card reader ACM1252U-Y3 or OTI SCI-6100.
  • Block 16 recognition of identifiers in the read information from the detected objects 3 is made, for example, on the microprocessor ARM Cortex A-9 or ARM Cortex A-12 with Linux system software.
  • the memory unit 17 of the detector 2 is made, for example, on a flash memory card EMC EMMC04G-M627 or EMMC04G-W627.
  • Block 18 deciding whether to allow or prohibit the provision of services for the corresponding identifier of the corresponding detected object 3 executed, for example, on an ARM Cortex A-9 microprocessor or an ARM Cortex A-12 microprocessor with Linux system software.
  • the data exchange unit 19 of the detector 2 and the central complex 1 is made, for example, using a SIM7100E-MIFI or SIM7100E-MIFID wireless communication module.
  • Block 20 for calculating the duration of a particular service is performed, for example, on an HP Integrity gx8640 or IBM Power 770 computer with the corresponding peripherals using Oracle or PostgreSQL DBMSs and HP-UX, Microsoft Windows, or Linux system software.
  • Block 21 for calculating the range of a particular service is performed, for example, on an HP Integrity gx8640 or IBM Power 770 computer with corresponding peripherals using Oracle or PostgreSQL DBMSs and HP-UX, Microsoft Windows, or Linux system software.
  • Block 22 of the choice of form of payment for services to the user of services for the identifier of the corresponding detectable object 3 is made, for example, on an HP Integrity gx8640 computer or IBM Power 770 with the corresponding peripherals using Oracle or PostgreSQL DBMS and HP-UX, Microsoft Windows or Linux system software.
  • Block 23 of sending a notification to a corresponding user of services about the implementation of a particular service and writing off the calculated cost of this service from the available balance of the cost of services in the memory 8 of the personal account of the service user is executed, for example, on an HP Integrity gx8640 computer or IBM Power 770 with corresponding peripherals using the HP system software -UX, Microsoft Windows or Linux.
  • the detectors 2 may further comprise the equipment described below.
  • Block 24 for fixing the date and time of the beginning and / or end of the provision of a specific service to the user of services for the identifier of the corresponding detected object 3 is made, for example, on an ARM Cortex A-9 or ARM Cortex A-12 microprocessor with Linux system software.
  • Block 25 fixing the place of the beginning and / or end of the provision of a particular service to the user of services for the identifier of the corresponding detected object 3 is performed, for example, on an ARM Cortex A-9 microprocessor or ARM Cortex A-12 microprocessor with Linux system software.
  • RFID Radio Frequency IDentification
  • ISO 14443 A / B types
  • mobile digital devices smart phones
  • NFC Near Field Communication
  • mobile devices mobile phones
  • QR code two-dimensional bar code
  • QR code objects with a two-dimensional bar code applied on them
  • Using the proposed invention expands the capabilities of the proposed automated system and provides the ability to create an open non-cash non-bank automated payment system for services, mainly transport services of one or more service providers, using any detectable object that is available for each user of the service, having an identifier that interacts with the detectors according to one of various standard communication protocols, regardless of the month the manufacture of detectable objects, their initial purpose and type of services provided, which increases the convenience of the proposed automated system, makes the proposed automated system available to a wide range of users, not necessarily living in the place of service; the ability to pay for various services of various service providers using the same detected object available to the user of the services; the possibility of reducing the cost of using the system by eliminating the cost of manufacturing special detectable objects.
  • the ability to connect each detector directly with the central database the implementation of a central database with the ability to calculate the cost and write off the calculated cost without additional equipment reduces the cost of paying for information exchange traffic, which reduces the total cost of the system.
  • the possibility of recognition by each detector in the information read out from each detected object of the identifier of each used detectable object allows you to use any detectable object that has an identifier that interacts with the detectors according to one of various standard interaction protocols, regardless of the place of manufacture of the detected object and its original purpose.
  • Entering and storing in the central control complex of at least one account office of a service provider allows you to provide one or several different services using the same detectable object, which allows you to use the proposed automated system for providing not only transport services, but also other services, for example, museums, parks, bicycle rental services and similar paid services, using the same detectable object available for each user of the service as a detectable object , which has an identifier that interacts with the detectors according to one of the various standard interaction protocols.
  • the ability to connect each detector directly with the central database and the central database with the ability to calculate the cost and write off the calculated cost without additional equipment reduces the traffic of information exchange between each detector and the central database, which reduces the cost of using the system by reducing the cost of payment of traffic, and also reduces financial losses arising from the mismatch of available balances in the implementation of information exchange traffic, which in turn, reduces the total cost of the proposed system.
  • the proposed automated system for paying for services mainly transport services, works as follows.
  • Central management complex 1 using, for example, the Oracle or PostgreSQL DBMS, they create a central database designed to store many personal accounts associated with users of services, as well as to store the account of one or more service providers.
  • the number of service providers depends on the number of different services paid using the proposed system.
  • a plurality of detectors 2 are placed in a plurality of service start and / or end points of service provision. For example, entrance halls of subway stations, bus lounges, trolleybuses, trams, entrances to museums, entrances to parks, bike rental points, parking lots.
  • Each service provider using the server 9 maintaining the accounts of service providers creates its own account, which generates and stores in block 10 the memory of the account office of the service provider data on the cost of their services.
  • Each user of services using the server 7 maintaining personal accounts of service users creates his own personal account.
  • Each user of services using the server 7 maintaining personal accounts of service users enters the identifiers of their detected objects 3 into his personal account, enters data on at least one form of payment for services and saves them in memory block 8 of his personal account.
  • Each user of services using the server 1 1 for introducing an affordable balance for paying for services enters the value of available balance for paying for services into memory block 8 of his personal account and stores it in memory block 8 of his personal account.
  • Each user performs these actions, for example, using a credit card, bank account, mobile phone account, electronic payment services on the Internet (for example, PayPal, Apple Pay, Google Wallet, Samsung Pay, WebMoney, Yandex.Money and others).
  • a credit card for example, PayPal, Apple Pay, Google Wallet, Samsung Pay, WebMoney, Yandex.Money and others.
  • the data received from the detectors 2 and sent to the detectors 2 are used to fix the identifiers of the detected objects 3 registered in the personal account of each service user and stored in the memory block 8 of the personal account of each service user in block 5 .
  • a list of identifiers to which services are available is sent to all detectors 2.
  • the data exchange unit 19 of the detector 2 and the central complex 1 receives a list of identifiers to which services are available and stores it in the memory unit 17 of the detector 2.
  • Block 15 detection of the detected object 3 and reading information from the detected object 3 of the detector 2 detects one of the various standard interaction protocols specific detectable object 3, reads from it information on this standard interaction protocol and transfers it to the recognition unit 16 of the identifier of the detected object 3 of detector 2.
  • the identifier recognition unit 16 of the detected object 3 of the detector 2 absorbs from the read information one of various standard interaction protocols, for example, described above, the identifier of the detected object 3 and transmits the highlighted identifier to the decision making unit 18 to allow or prohibit the provision of services for the identifier of the corresponding detected object 3.
  • Block 18 making a decision on whether to provide or prohibit the provision of services for the identifier of the corresponding detected object 3 of detector 2 checks the identifier in the list of identifiers for which services are available, obtained from the central control complex 1 and stored in the memory block of detector 2, checks for the identifier in the list identifiers to which services are prohibited, received from the central control complex 1 and stored in the memory unit 17 of the detector 2, allows receiving the service in Luciano presence of a detectable object identifier 3 in the list of identifiers, which services are available and the lack of identity of the detected object 3 in the list of identifiers which are prohibited services, preserves the memory of the detector unit 17 2 Identifier of the corresponding detected object 3 user services, the services are provided.
  • the block 24 fixing the date and time of the beginning and / or end of the provision of a specific service to the user of services for the identifier of the corresponding detected object 3 stores in the block 17 of the memory of the detector 2 the date and time of the beginning and / or end of the provision of the service by the identifier of the corresponding detected object 3.
  • the block 25 fixing the location of the beginning and / or end of the provision of a particular service to the user of services for the identifier of the corresponding detected object 3 stores in the block 17 of the memory of the detector 2 the location of the beginning and / or end of the provision of the service by the identifier of the corresponding detected object 3.
  • the data exchange unit 19 of the detector 2 and the central control complex 1 transmits the fixed identifier of the detected object 3, the start and / or end of the service, the date and time of the start and / or end of the service through the exchange unit 6 of the central complex 1 and the detectors 2 to server 4 controlling the operation of an automated system and processing data received from detectors 2 of the central control complex 1.
  • the server 4 control the operation of the automated system and the processing of data received from the detectors 2, collects and stores data from the detectors 2 in block 5 of the data memory.
  • the server 12 calculating the cost of services to the user of the service to whom the service is provided using the detected object 3, calculates the cost of the service based on data from a specific detector 2, and also, if necessary, using data of duration and range, as well as the cost of services for a particular detector 2 stored in block 10 of the memory of the accounts of service providers.
  • the server 13 deducts the calculated cost of services from the available balance to pay for services to the user of the service who is provided with the service using the detected object 3, deducts the cost of a specific service calculated by the server 12 for calculating the cost of services from the available balance of the memory unit 8 corresponding to the personal user account of the services, in which the identifier of the specific detected object 3, on which the service is received, is registered.
  • block 23 of sending a notification to the corresponding user of services on the implementation of a particular service and writing off the calculated cost of this service from the available balance of the cost of services in the memory 8 of your personal account the user of the services sends a notification to the corresponding user of the service about the implementation of a particular service and the write-off of the estimated cost of this service from the available balance of the cost of the services in the memory 8 of the personal account of the user of the services using e-mail or SMS.
  • the server 11 for introducing an affordable balance for paying for services for the identifier of the corresponding detectable object 3 selects a form of payment for services for a user of services, enters an available balance for paying for services and saves it in a memory block 8 corresponding to the personal account of the user of services, using the form selection block 22 payment for services to a user of services.
  • the server 13 for writing off the calculated cost of services checks the availability of sufficient funds to pay the calculated cost of the service on the available balance to pay for services in the personal account of the corresponding user of the service to whom the service was provided using the detected object 3, and in case of insufficient funds to pay for the received service on the available balance block 8 of the memory of the personal account of a particular user of services associated with the identifier of a particular detectable object 3, according to which the floor the service, writes the specified identifier of the particular detected object 3 to the list of identifiers that the services are prohibited in in block 5 of the data memory received from the detectors 2 and sent to the detectors 2.
  • a list of identifiers to which services are prohibited is transmitted to all detectors 2.
  • the present invention can be used for non-cash non-banking payment of various services, for example, services of paid museums, parks, bicycle rental services, various types of transport services using the same automated system that can be associated with various detectable objects, for example, transport cards , social cards, student cards, contactless credit cards, smartphones, NFC devices, and the like.
  • the present invention can be used for non-cash non-banking payment for transport services associated with an automated non-bank non-cash payment system for transport operators.

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Abstract

L'invention concerne un procédé de paiement de services qui consiste à créer une base de données centrale comprenant des pupitres personnels d'utilisateurs de serices et un ou plusieurs pupitres comptables des fournisseurs de services. Chaque pupitre personnel est équippé pour entrer des identifiants d'objets à détecter (3), des valeurs de bilans acceptables, des données sur la forme de paiement ainsi que pour l'interaction avec les utilisateurs possédant divers objets à détecter (3). Chaque objet à détecter (3) comprend un identifiant et peut interagir avec des détecteurs (2) selon un de plusieurs protocoles standards différents d'interaction indépendamment de l'endroit de fabrication de l'objet à détecter (3), de sa vocation initiale, du lieu où se trouve l'utilisateur lors de la communication avec un pupitre personnel et de l'emplacement du détecteur (2) lors de l'interaction avec l'objet à détecter (3). Chaque détecteur (2) est équippé pour découvrir des objets à détecter (3), lire des informations de ces derniers selon au moins un de protocoles standards différents d'interaction, pour la reconnaissance dans les informations dns les nformations lues des identifiants des objets à détecter (3), pour la prise de décision concernant l'élargissement ou l'interdiction de fourniture de services, et l'élargissement ou l'interdiction de fourniture de services. La base centrale est conçue pour calculer le coût des services, inscrire le coût calculé depuis le bilan acceptable, renouveler périodiquement les listes des indentifiants pour lesquels les services sont accessibles ou interdits, ettransmettre les liste renouvelées à haque détecteur (2) sans utiliser d'équipement supplémentaire. Ce système automatisé permet d'effectuer les actions du procédé proposé.
PCT/RU2017/000852 2017-05-23 2017-11-15 Procédé de paiement de services, notamment de services de transport, et système automatisé de mise en oeuvre WO2018217124A1 (fr)

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RU2017117882A RU2666235C1 (ru) 2017-05-23 2017-05-23 Способ оплаты услуг, преимущественно транспортных услуг, и автоматизированная система для его осуществления
RU2017117882 2017-05-23

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RU2694745C1 (ru) * 2018-09-24 2019-07-16 Некоммерческая организация "Фонд - оператор программы финансового содействия инновационным проектам Фонда "Сколково" (Фонд "ВЭБ-Инновации") Способ безопасной передачи и хранения информации о праве использования услуг

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008039796A2 (fr) * 2006-09-28 2008-04-03 Visa U.S.A. Inc. Paiement de prix de transit mobile
US20110302081A1 (en) * 2005-06-10 2011-12-08 Saunders Peter D System and method for mass transit merchant payment
US20150115028A1 (en) * 2013-05-30 2015-04-30 Haroldo Montealegre Transit fare collection system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110302081A1 (en) * 2005-06-10 2011-12-08 Saunders Peter D System and method for mass transit merchant payment
WO2008039796A2 (fr) * 2006-09-28 2008-04-03 Visa U.S.A. Inc. Paiement de prix de transit mobile
US20150115028A1 (en) * 2013-05-30 2015-04-30 Haroldo Montealegre Transit fare collection system

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