WO2020251388A1 - Payment network - Google Patents

Abstract

A payment network consists of unified and identical electronic payment devices or modules (such as payment cards or mobile telephones) with memory units for storing sums of money. A device comprised of such modules allows the transfer of money only among modules pertaining to the network and reduces the sum by an amount of tax at each transfer. In other words, each module represents an electronic banknote with a variable face value. Each module comprises a transceiver, the hardware and software of which allows a secure connection to be established with another module, preferably upon mechanical contact and verification that the receiving module pertains to the common payment network, using a friend-or-foe principle. The modules are further provided with a microprocessor, disposed on the signal path, for reducing a received sum by an amount of tax prior to the sum being placed in the memory unit, said reduction preferably being carried out by nullifying the difference between the sums. The network contains one module situated at the State Ministry of Finance, the hardware and software of which renders it a currency issuer, and money circulates among the other payment devices, situated in different locations such as in the possession of individual citizens or in banks, with a gradual reduction in the overall sum.

Description

PAYMENT NETWORK.

Existing payment networks are based on paper banknotes, supported by government agencies and banks of various countries of the world. Among banknotes, there is a "hierarchy", the main of which are Dollars and Euros. Their formation and strengthening of positions passed and continues through wars, revolutions, coups d'etat, organizing and "feeding" terrorism, a significant strengthening of transnational monopolies, hypertrophied development of international economic relations (this can include, for example, drug and arms trade), when acting directly to the detriment Nature. In general, all this led to an increase in labor productivity to such an extent that a small number of people employed in the material sphere of production provides everything necessary for life for many times more people employed in various spheres of activity and inactivity - from criminal spheres to "putting things in order" with the development of "document flow". In particular, the creative energy of people is directed towards improving the means of killing people, i.e. weapons.

If paper banknotes can be tied to an individual with his control over money, then electronic equivalents are in the accounts of banks or other organizations. The power of existing money, with a paper equivalent, is purely psychological, based, for example, on energy resources. And, instead of converting money into a commodity and back, speculative money circulation is much more profitable. For example, oil trading, 95% of tons - speculative turnover of securities (see V. Katasonov "Death of Money", 2016, p. 95). There is a separation of money from the material relationship of people. The leaderships of individual States are deprived of freedom of action in terms of ensuring a decent life for their citizens in combination with the improvement of Nature. This is in spite of the fact that they control People who are capable of realizing all the best aspirations. But it turns out that everything is tied to the Economy, or rather to money, and, more precisely, to the Dollars and the "equivalents" subordinate to them. A common situation - there are people, but no money. It turns out that all States need "Investments", and People, for the convenience of "Investments", need to be driven into large cities, kept in poverty, etc. The internal policy of the State and interstate relations should rather be called internal and external state business. Modern money circulates both in cash and in non-cash form. The growing volume of non-cash money entails increasing problems in the management of State revenues and expenditures. The problems are somewhat compensated by the continuous supply of cash currency to provoked wars and intrastate conflicts, by maintaining many states in a state of constant poverty. Non-cash money has its own "troubles". Electronic money carriers bring certain conveniences, but accounts managed through cards or mobile devices are vulnerable, and the vulnerability grows with the growth of the complexity of the system. Banks, in this regard, incur large and increasing losses (see ibid., P. 107). The increase in the volume of non-cash money leads to the erosion of States and their subordination to the international oligarchy (see ibid., Pp. 142,148). But a policy aimed at eliminating cash will lead to the death of money (p. 323,327) and they cease to be a measure of the value of goods (p. 330). In opposition to this, a variety of alternative money is emerging, bringing solutions to many problems at local levels (p. 155). An alternative to paper money is known - Cryptocurrency. But! The states, apparently, will not introduce it. Because if the system of paper banknotes with electronic equivalents is still somehow controlled by central governing bodies, such as the US Federal Reserve, then it is difficult to find the place of management of the cryptocurrency. It is not subject to the rulers of any State, central banks are not able to control the cryptocurrency, which is becoming, in fact, a replacement for the gambling business. In general, the existing payment system is associated with a complex, labor-intensive, capital accounting and tax collection system, apart from various criminal schemes. For example, the value added tax introduced to shift the main tax burden onto the final consumer goes directly to the detriment of Nature, and, consequently, People. Those. developers of "minerals" have the least tax burden with no obligations to Nature, which, for example, for the construction of a treatment plant must (!) "pay VAT" .... In addition, State structures, in order to facilitate the tasks of replenishing the Budget, prefer to deal with Large Monopolies and with "volatile" citizens, getting off with "good wishes" in relation to small business, taking Taxes from which is costly for the State. As a result, the whole World is firmly "sitting on an energy needle", which facilitates the fiscal task and blocks any simplified possibilities for obtaining energy and any creativity aimed not at developing various networks - from energy to electronic, but, say, at developing a single village .. ...

The proposed payment network, which combines the advantages of cash and non-cash money, is devoid of the above disadvantages. The main feature of which is that any movement of money, even between neighbors, is subject to a small tax and, provided that it is deliberately introduced by any State, there is an interest in small ("capillary" or "lymphatic") movements of money, the possibility of significant expenses for improvement of Nature with the elimination of unemployment. In particular, it will be possible to provide worthy material support to pensioners, students or teachers, because it is through them that the "capillary" movement of money goes and it is they who reduce the likelihood of wars and give hope for the development of Reason on Earth. The technical feature of this invention is that the carriers of money and custodians of amounts are not accounts in remote servers, but payment devices in the form of unified, identical in technical design and software, mainly mobile, electronic device-modules with memory blocks and microprocessors, i.e. e. actually electronic banknotes of variable denomination, each of which contains a transceiver for communication with each other, better with mechanical contact, with identification according to the "friend or foe" scheme and transfer of money amounts, or transactions, from a memory block or file of one module to a memory block of another through the processor, which removes tax from the passing amount, for example, by zeroing a certain amount. At least one of the payment network devices is an issuer with hardware and software different from other devices for entering currency into the payment network.

The drawing illustrates the present invention.

Figure 1 shows a diagram of two modules.

The payment network consists of identical payment devices or modules - 1 and 2 in Fig. 1. They can have the dimensions of payment cards or made like a mobile phone. They can be part of a mobile phone or ATMs. They contain the same transceivers 3, the device of each of which provides identification of another module according to the "friend or foe" scheme, preventing the possibility of connecting any measuring device, as well as determining the exact operating parameters by disassembling the module. In particular, this is achievable when the design of the transceiver 3 is adapted for mechanical contact with another module. Figure 1 shows a variant with a diagram of protrusions and depressions 4 and 5, the shape of which provides the same relative position of two, close together, modules at the time of contact information transfer. Different modules must also have the same internal content - at least one each, memory block 6 (or file) and processor 7, on the money line between transceiver 3 and memory block 6. Processor 7 is intended, in particular, to remove , for example, zeroing the tax amount. The signals to control the processor 7 go along line 8. The network has a dedicated payment device, which has a design and software that is different from all other network modules, for entering the expenditure amounts (through line 8) into the memory unit 6.

When the network is operating, the initial, budgetary amount, calculated taking into account the level of difflation or inflation, is issued or entered into the memory block 6 of the dedicated payment device, which transfers money to other payment devices on the network. The transmission occurs after the convergence of two modules - 1 and 2 (Fig. 1) and their contact with transceivers 3 with identification according to the "friend or foe" scheme. Further, the amount from the memory block 6 of module 1 goes to the processor 7 of module 2, which performs the operation of removing the tax and transfers the amount further to the memory block 6 of module 2. For all such transfers of money, they circulate through the network with a decrease in the total amount. Processor 7 control, as well as information retrieval (without passing the money itself) occurs along line 8.

Prevention of unauthorized interference is achieved by a special design of the transceiver 3. Thus, with mechanical contact, it is possible to transmit a signal at a sufficiently low frequency of electromagnetic waves without going outside and with nodes at the point of contact. In addition, there must be a numerical form of information transfer. The existing payment networks are still somehow controlled by states, but on the whole this leads to the erosion of the states themselves, the growth of chaos and anarchy ... Separately, it is worth noting the growing strength of Cryptocurrencies. When applied, transactions and savings become beyond the control of either international or government organizations.

With the proposed form of money, it becomes the State's concern to maintain the circulation of money at the proper level. And with care not about the level of the economy, but about the standard of living of people and the preservation and development of Nature. And to do this by transferring such State money to the management of specially trusted persons ...

The introduction of such electronic currency is carried out with the simultaneous operation of ordinary, with paper cash. Moreover, the first is introduced and maintained in force by the Ministry of Finance, and the second is supported by the Central Bank.

Claims

FORMULA OF THE INVENTION.

1. A payment network containing electronic devices interacting with each other for the transfer of money and tax collections, characterized in that the electronic devices are made in the form of identical, unified in technical and software content, payment modules of this network, each of which contains memory blocks for storing amounts of money, which makes such devices, in fact, electronic banknotes, and each module, for transferring money or transactions to each other, contains a transceiver for communication with each other and identification according to the "friend or foe" scheme, mainly with mechanical contact, and also a processor designed for tax withdrawal, for example, by zeroing a certain amount, on the line of information passing about the amounts to the module memory block.

2. The payment network according to claim 1, which is based on the fact that the network contains an issuing module that is different from others in terms of technical performance and software for entering expenditure amounts.