WO2020256579A1 - Online trading blockchain-platform for realization of goods and services - Google Patents

Online trading blockchain-platform for realization of goods and services Download PDF

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Publication number
WO2020256579A1
WO2020256579A1 PCT/RU2019/000486 RU2019000486W WO2020256579A1 WO 2020256579 A1 WO2020256579 A1 WO 2020256579A1 RU 2019000486 W RU2019000486 W RU 2019000486W WO 2020256579 A1 WO2020256579 A1 WO 2020256579A1
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WIPO (PCT)
Prior art keywords
buyer
goods
services
module
request
Prior art date
Application number
PCT/RU2019/000486
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French (fr)
Inventor
Vyacheslav Matveevich LOSHKAREV
Original Assignee
Loshkarev Vyacheslav Matveevich
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Publication of WO2020256579A1 publication Critical patent/WO2020256579A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0611—Request for offers or quotes
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0623—Item investigation

Definitions

  • the claimed solution relates to the field of computer technology and, in particular, to the computer system, through which an online trading platform is implemented on the Internet to sell various goods and services, including real estate, cars, furniture and other goods and services at the prices of sales and marketing actions.
  • the technical problem for which the claimed invention is aimed is to create a new solution to the trading platform for the rapid sale of goods and services.
  • the technical result is to ensure the possibility to reduce the actual cost of a product or service based on the number of views of the said actual cost using computer-aided procedures.
  • the compensation that the buyer will receive in case of purchase of the goods, i.e. after paying the full cost of the goods or services, will depend on the actual cost.
  • - the digital wallet of the buyer is determined; - a request is generated to transfer monetary units according to the established cost of viewing from the digital wallet of the buyer to the digital wallet created for this product or service;
  • module 11 for processing of the data of goods or services
  • module 12 for storage of the data of goods or services
  • module 13 for management of the cost of goods or services
  • module 14 for processing of buyers' requests
  • module 15 for wallets management
  • module 14 for processing of buyers' requests is made with the possibility:
  • module 15 for wallets management is made with the possibility:
  • module 14 to send the information on the actual cost of the goods or services to module 14 for processing of buyers' requests for its further transfer and display to the buyer.
  • Fig. 1 shows an example of the system for making payments on the online trading platform on the Internet.
  • the system for making payments on the online trading platform on the Internet contains: at least one device 1 of the seller, at least one device 2 of the buyer and device 10 for making payments.
  • Device 1 of the seller and device 2 of the buyer can be implemented on the basis of a portable or stationary computer device, such as a mobile phone, smartphone, tablet, computer, laptop, game console, etc., equipped with specialized software and means of communication to exchange the information with device 10 for making payments.
  • the devices are connected to each other with the help of known principles of network information exchange, in particular through the Internet.
  • the seller and the buyer using the methods widely known in the prior art for example, by visiting the website of the trading platform, are registered on the trading platform to have the possibility to post the information on the product or service presented for sale, or to purchase the goods and services.
  • Besides mentioned devices 1 and 2 can provide a dialog box to ensure the possibility of communication between the buyer and the seller to discuss the product or service presented for sale.
  • Device 10 for making payments can be implemented on the basis of at least one processor or microcontroller equipped with specialized software to perform the functions assigned to it below.
  • Device 10 for making payments contains module 11 for processing of the data of goods or services, module 12 for storage of the data of goods or services, module 13 for management of the cost of goods or services, module 14 for processing of buyers' requests and module 15 for wallets management and module 16 for storage of the data on transactions: All of these modules can be implemented on the basis of software and hardware of device 10 for making payments and are connected to each other with computer connections known in the prior art.
  • the seller submits a request using device 1 to place on the trading platform the information on a product or service that will be available for the buyers to purchase.
  • the tools and methods known in the prior art can be used, for example, the seller can click a special link on the site, where the seller will open a form to fill in the information on the product or service.
  • the device 1 After filling in the information on the product or service and indication by the seller of the price for the product or service, which further in the text of the application will be called as the full cost, at the command of the seller, device 1 based on the information provided by the seller about the product or service, for example, based on the information filled in the form, generates a request to place the information on the product or service on the trading platform. Accordingly, the generated request includes the information on the product or service, the seller's price - the full cost of the product or service and the seller's ID.
  • the generated request is received by module 11 for processing of the data of goods or services of device 10 for making payments, which, based on the data of the request, forms in module 12 for storage of the data of goods or services a new entry on the goods or service, the price of the seller, i.e. the full cost of the goods or service, and the seller's ID.
  • Module 12 forms the information on the offer on the basis of the received data which is placed on the trading platform for the corresponding goods or service, which can be viewed by the buyer.
  • the peculiarity of the trading platform is also the use of digital currency as monetary units, in particular, crypto currency or other internal payment unit, which is acquired when forming the corresponding digital wallets of users by trading platform 1.
  • Module 11 using the methods known in the prior art creates a digital wallet for the goods or service, which can also be a virtual wallet, in module 15 for wallets management and sends the information on the goods or service to module 13 for management of the cost of the goods or services, which determines their current actual cost for given goods or service.
  • the full cost or any other cost assigned by the trading platform under the contract with the seller may be indicated as the current actual cost of the goods or services.
  • the information on the current actual cost of goods or services is kept only in module 13 and in the future on its basis the actual cost of goods and services will be calculated for the buyer, who will send a request to view the said actual cost of goods or services.
  • the buyer Before buying the goods, the buyer can look at the actual cost of the goods or services in order to determine the compensation that he will receive in case of purchase of the said goods or service. In other words, the actual cost of the goods or services will indicate to the buyer how much he will actually pay for the goods or services, taking into account the compensation for their purchase.
  • the buyer using device 2 of the buyer can send a request to view the actual cost of the goods and services, for example, by means of interaction with the appropriate element of the graphical user interface generated on the trading platform for the relevant announcement of the seller.
  • the user using device 2 can link the website of the trading platform, select the goods, press the "view the cost” button and confirm the view of the current (actual) cost of the goods or service and writing off from his digital wallet a predetermined amount in digital currency for viewing the actual cost, which will be performed by device 10.
  • device 2 of the buyer After receiving the confirmation, device 2 of the buyer generates a request to view the cost of the goods and services, which includes the information on the goods or service and the buyer's ID, after which the generated data request is transmitted to device 10 for making payments.
  • module 14 for processing of buyers' requests forms and sends a request to view the actual cost of the goods or services to module 13 for management of the cost of goods or services, which deducts the fixed cost of viewing from the current actual cost of the goods or service to obtain the actual cost for this buyer and sends information on the actual cost of the goods or service to module 14 for processing of buyers' requests for its further transfer to device 2 of the buyer and display to the buyer.
  • this cost will be reduced according to the established cost of viewing, which implements a new approach in the operation of online trading platforms.
  • the buyer can purchase the goods or services at the full cost offered by the seller, and receive the compensation for the purchase according to the actual cost.
  • the buyer sends a request for the purchase of the goods or services through device 2 of the buyer to module 14 for processing of buyers' requests, which forms a request for the transfer of monetary units from the buyer's wallet, according to the full cost of the goods or services, or the established minimum deposit amount, to the wallet of the seller of the goods or services.
  • the buyer can pay a deposit in order to reserve the goods for himself, after which the buyer can deposit the rest of the monetary units to pay the full cost of the goods or service by sending a corresponding request, which will be processed by the same method described below.
  • module 14 for processing of buyers' requests before sending a request for the transfer of monetary units may request from the buyer the confirming documents for the purchase of the goods or service.
  • module 14 can retrieve from module 12 for storage of the data corresponding templates of contracts, such as purchase and sale contract, and send them to device 2 of the buyer, which the buyer fills in using the methods widely known in the prior art, signs them, for example, using electronic digital signature, blockchain technology or smart contract, and sends to module 14 for processing of buyers' requests.
  • Module 14 for processing of buyers' requests sends a request for transfer of the monetary units to module 15 for wallets management, which transfers the monetary units according to the received request.
  • module 15 for wallets management After successful transfer of the monetary units from the digital wallet of the buyer according to the full cost of the goods or service specified by the seller to the digital wallet of the seller, module 15 for wallets management sends a notice of the transfer to module 14 for processing of requests, which additionally generates a request for the transfer of monetary units from the digital wallet created for the goods or service to the buyer's wallet and sends it to module 15 for wallets management.
  • Module 15 for wallets management also transfers monetary units from the wallet created for the goods or service, to the buyer's wallet, thus, compensating the buyer for the part of spent monetary units for viewing the actual cost of the goods or service and their purchase.
  • Module 15 sends the data on transactions to module 16 for storage of the data on transactions, which are also stored in module 16 through the blockchain technology, after which the user of device 10 for making payments or the other user, who can be granted an access to module 16, has the opportunity to access module 16, to extract the information on all transactions in respect of the goods or service and to verify its integrity.

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Abstract

The claimed solution relates to the Internet trading platform. A computer-implemented method of making payments comprises the following steps: a request to view the current value of the goods or services is received from the buyer, and a compensation is determined, which the buyer will receive after paying the full value of the goods or services, digital wallet of the buyer is determined, a request is generated for transfer of monetary units according to the established cost of viewing from the digital wallet of the buyer to the digital wallet created for the given product or service, transferring of monetary units mentioned at the previous stage, determining a current value of the goods or services to display to the buyer by subtracting from the present current value the cost of viewing. The technical result is to provide opportunities in an automated mode to reduce the current value of the product or service based on the view of that value.

Description

ONLINE TRADING BLOCKCHAIN-PLATFORM FOR REALIZATION OF GOODS
AND SERVICES
TECHNICAL FIELD
The claimed solution relates to the field of computer technology and, in particular, to the computer system, through which an online trading platform is implemented on the Internet to sell various goods and services, including real estate, cars, furniture and other goods and services at the prices of sales and marketing actions.
BACKGROUND
There are a lot of solutions known in the prior art, aimed to provide the possibility of payment for goods and services on the Internet trading platforms. The closest solution is the payment method and system disclosed in document US 20150348169, published on 03.12.2015. This document describes the market-based software platform that provides the opportunity: to agree upon the price of the retailer's item or to choose from a variety of price offers; to issue electronic discount or discount coupon which may correspond to the selected or agreed price; and to keep and update such discounts in the online mode.
The disadvantage of the known solution is the absence of the possibility to track the views of buyers of the goods and to grant cumulative discount to buyers, taking into account the number of views of the goods.
DISCLOSURE OF INVENTION
The technical problem for which the claimed invention is aimed is to create a new solution to the trading platform for the rapid sale of goods and services.
The technical result is to ensure the possibility to reduce the actual cost of a product or service based on the number of views of the said actual cost using computer-aided procedures. In the future the compensation that the buyer will receive in case of purchase of the goods, i.e. after paying the full cost of the goods or services, will depend on the actual cost.
The specified technical result is achieved by creating a method of payment, implemented by the device for payments, containing the stages at which:
- a request from the buyer to view the actual cost of goods and services is received, and on the basis of the said actual cost the compensation that the buyer will receive after paying the full cost of the goods or services, is determined;
- the digital wallet of the buyer is determined; - a request is generated to transfer monetary units according to the established cost of viewing from the digital wallet of the buyer to the digital wallet created for this product or service;
- the monetary units mentioned at the previous stage are transferred;
- the fixed cost of viewing is deducted from the current actual cost of the goods or services to obtain the actual cost for the buyer;
- the actual cost of the goods or services is displayed to the buyer.
Also a device for making payments has been developed, which contains interconnected: module 11 for processing of the data of goods or services, module 12 for storage of the data of goods or services, module 13 for management of the cost of goods or services, module 14 for processing of buyers' requests and module 15 for wallets management, and:
module 14 for processing of buyers' requests is made with the possibility:
- to receive a request from the buyer to view the actual cost of goods and services, on the basis of which the compensation that the buyer will receive after paying the full cost of the goods or services, is determined;
- to determine a digital wallet of the buyer;
- to generate a request to transfer monetary units according to the established cost of viewing from the digital wallet of the buyer to the digital wallet created for this product or service;
module 15 for wallets management is made with the possibility:
- to receive a generated request and to transfer the monetary units;
module 13 for management of the cost of the goods or services is made with the possibility:
- to receive a request from module 14 to view the actual cost of the goods and services;
- to deduct the fixed cost of viewing from the current actual cost of the goods or services to obtain the actual cost for the buyer;
- to send the information on the actual cost of the goods or services to module 14 for processing of buyers' requests for its further transfer and display to the buyer.
Other specific examples of the implementation of the claimed solution will be disclosed later in this application materials.
BRIEF DESCRIPTION OF DRAWINGS
Fig. 1 shows an example of the system for making payments on the online trading platform on the Internet.
DETAILED DESCRIPTION OF THE INVENTION In accordance with the scheme shown in Fig. 1, the system for making payments on the online trading platform on the Internet contains: at least one device 1 of the seller, at least one device 2 of the buyer and device 10 for making payments.
Device 1 of the seller and device 2 of the buyer can be implemented on the basis of a portable or stationary computer device, such as a mobile phone, smartphone, tablet, computer, laptop, game console, etc., equipped with specialized software and means of communication to exchange the information with device 10 for making payments. The devices are connected to each other with the help of known principles of network information exchange, in particular through the Internet. Through these devices, the seller and the buyer using the methods widely known in the prior art, for example, by visiting the website of the trading platform, are registered on the trading platform to have the possibility to post the information on the product or service presented for sale, or to purchase the goods and services. Besides mentioned devices 1 and 2 can provide a dialog box to ensure the possibility of communication between the buyer and the seller to discuss the product or service presented for sale.
Device 10 for making payments can be implemented on the basis of at least one processor or microcontroller equipped with specialized software to perform the functions assigned to it below. Device 10 for making payments contains module 11 for processing of the data of goods or services, module 12 for storage of the data of goods or services, module 13 for management of the cost of goods or services, module 14 for processing of buyers' requests and module 15 for wallets management and module 16 for storage of the data on transactions: All of these modules can be implemented on the basis of software and hardware of device 10 for making payments and are connected to each other with computer connections known in the prior art.
After the registration on the trading platform, the seller submits a request using device 1 to place on the trading platform the information on a product or service that will be available for the buyers to purchase. To form the above-mentioned request the tools and methods known in the prior art can be used, for example, the seller can click a special link on the site, where the seller will open a form to fill in the information on the product or service. After filling in the information on the product or service and indication by the seller of the price for the product or service, which further in the text of the application will be called as the full cost, at the command of the seller, device 1 based on the information provided by the seller about the product or service, for example, based on the information filled in the form, generates a request to place the information on the product or service on the trading platform. Accordingly, the generated request includes the information on the product or service, the seller's price - the full cost of the product or service and the seller's ID. The generated request is received by module 11 for processing of the data of goods or services of device 10 for making payments, which, based on the data of the request, forms in module 12 for storage of the data of goods or services a new entry on the goods or service, the price of the seller, i.e. the full cost of the goods or service, and the seller's ID. Module 12 forms the information on the offer on the basis of the received data which is placed on the trading platform for the corresponding goods or service, which can be viewed by the buyer.
The peculiarity of the trading platform is also the use of digital currency as monetary units, in particular, crypto currency or other internal payment unit, which is acquired when forming the corresponding digital wallets of users by trading platform 1.
Module 11 using the methods known in the prior art creates a digital wallet for the goods or service, which can also be a virtual wallet, in module 15 for wallets management and sends the information on the goods or service to module 13 for management of the cost of the goods or services, which determines their current actual cost for given goods or service. The full cost or any other cost assigned by the trading platform under the contract with the seller may be indicated as the current actual cost of the goods or services. The information on the current actual cost of goods or services is kept only in module 13 and in the future on its basis the actual cost of goods and services will be calculated for the buyer, who will send a request to view the said actual cost of goods or services.
After that, any buyer can find the information about the goods and services on the trading platform and using the methods widely known in the prior art can purchase the goods or services in accordance with the full cost assigned for them. Before buying the goods, the users can read the offer, which reflects all essential conditions for the purchase of goods or services.
Before buying the goods, the buyer can look at the actual cost of the goods or services in order to determine the compensation that he will receive in case of purchase of the said goods or service. In other words, the actual cost of the goods or services will indicate to the buyer how much he will actually pay for the goods or services, taking into account the compensation for their purchase. To view the actual cost the buyer using device 2 of the buyer can send a request to view the actual cost of the goods and services, for example, by means of interaction with the appropriate element of the graphical user interface generated on the trading platform for the relevant announcement of the seller. In particular, the user using device 2 can link the website of the trading platform, select the goods, press the "view the cost" button and confirm the view of the current (actual) cost of the goods or service and writing off from his digital wallet a predetermined amount in digital currency for viewing the actual cost, which will be performed by device 10. After receiving the confirmation, device 2 of the buyer generates a request to view the cost of the goods and services, which includes the information on the goods or service and the buyer's ID, after which the generated data request is transmitted to device 10 for making payments.
Thereafter, the above-mentioned request comes to module 14 for processing of buyers' requests, which, based on the buyer's ID, determines its digital wallet, the information on which may be entered in advance in module 12 for storage of the data, and in accordance with the pre- established cost of viewing the actual cost of the goods or services, forms a request for the transfer of monetary units from the buyer's digital wallet to the digital wallet created for this product or service. The request for the transfer of monetary units is sent to module 15 for wallets management, which transfers monetary units from the buyer's wallet to the wallet created for this product or service, according to the set cost of viewing.
The information on the transfer of monetary units can be transmitted to module 16 for storage of the data on transactions for its storage by methods known in the prior art through the blockchain technology. As a blockchain technology protocol, various well-known solutions can be used, for example, Ethereum, Hyperledger, Hashgraph, etc.
Besides, module 14 for processing of buyers' requests forms and sends a request to view the actual cost of the goods or services to module 13 for management of the cost of goods or services, which deducts the fixed cost of viewing from the current actual cost of the goods or service to obtain the actual cost for this buyer and sends information on the actual cost of the goods or service to module 14 for processing of buyers' requests for its further transfer to device 2 of the buyer and display to the buyer. Thus, each time the buyers view the actual cost of the goods or service, this cost will be reduced according to the established cost of viewing, which implements a new approach in the operation of online trading platforms. After the buyer gets acquainted with the actual cost of the goods or service, he can find out how much he will really pay for the goods or services (according to the information on the actual cost) in case of their purchase, taking into account the compensation that he will receive when paying the full cost of the goods or service.
After viewing the actual cost of the goods or service, the buyer can purchase the goods or services at the full cost offered by the seller, and receive the compensation for the purchase according to the actual cost. To do this, the buyer sends a request for the purchase of the goods or services through device 2 of the buyer to module 14 for processing of buyers' requests, which forms a request for the transfer of monetary units from the buyer's wallet, according to the full cost of the goods or services, or the established minimum deposit amount, to the wallet of the seller of the goods or services. The buyer can pay a deposit in order to reserve the goods for himself, after which the buyer can deposit the rest of the monetary units to pay the full cost of the goods or service by sending a corresponding request, which will be processed by the same method described below.
In addition, module 14 for processing of buyers' requests before sending a request for the transfer of monetary units may request from the buyer the confirming documents for the purchase of the goods or service. For example, module 14 can retrieve from module 12 for storage of the data corresponding templates of contracts, such as purchase and sale contract, and send them to device 2 of the buyer, which the buyer fills in using the methods widely known in the prior art, signs them, for example, using electronic digital signature, blockchain technology or smart contract, and sends to module 14 for processing of buyers' requests.
Besides, the system for making payments on the trading Internet platform can charge a set commission for all completed transactions.
Module 14 for processing of buyers' requests sends a request for transfer of the monetary units to module 15 for wallets management, which transfers the monetary units according to the received request. After successful transfer of the monetary units from the digital wallet of the buyer according to the full cost of the goods or service specified by the seller to the digital wallet of the seller, module 15 for wallets management sends a notice of the transfer to module 14 for processing of requests, which additionally generates a request for the transfer of monetary units from the digital wallet created for the goods or service to the buyer's wallet and sends it to module 15 for wallets management. Module 15 for wallets management also transfers monetary units from the wallet created for the goods or service, to the buyer's wallet, thus, compensating the buyer for the part of spent monetary units for viewing the actual cost of the goods or service and their purchase.
Module 15 sends the data on transactions to module 16 for storage of the data on transactions, which are also stored in module 16 through the blockchain technology, after which the user of device 10 for making payments or the other user, who can be granted an access to module 16, has the opportunity to access module 16, to extract the information on all transactions in respect of the goods or service and to verify its integrity.
Thus, the presented solution ensures the achievement of the specified technical result, which is to provide the possibility to reduce the actual cost of the goods or service on the basis of the views using computer-aided procedures.

Claims

1. A method of making payments, implemented by the device for making payments, comprising the steps in the course of which:
- a request to view the current value of the goods and services is received from the buyer, and on the basis of the mentioned current value compensation is determined, which the buyer will receive after paying the full value of the goods or services;
- digital wallet of the buyer is determined;
- a request is generated for transfer of monetary units according to the established cost of viewing from the digital wallet of the buyer to the digital wallet created for the given product or service;
- transfer of monetary units mentioned at the previous stage is carried out;
- the cost of viewing is subtracted from the present current value of the goods or services set to get the current value for the buyer;
- the current value of the product or service is displayed to the buyer.
2. The method according to claim 1 that is characterized in the fact that a cryptocurrency or an internal unit of account is used as monetary units.
3. The method according to claim 1 that is characterized in the fact that additional information is generated about the offer placed on the trading site for the corresponding product or service, which the buyer can read.
4. The method according to claim 1 that is characterized in the fact that it further comprises the steps in the course of which:
- a request to purchase a product or service is received from the buyer;
- established documents for the purchase of goods or services are requested from the buyer;
- a request is generated for the transfer of monetary units, according to the full value of the goods or services or the established minimum deposit amount, from the buyer's digital wallet to the wallet of the seller of the goods or services;
- monetary units are transferred according to the request generated at the previous stage;
- after transferring money into the digital wallet of the seller according to the full value of the product or service, the currency from the wallet created for the product or service is transferred to the digital wallet of the buyer.
5. The method according to claim 4 that is characterized in the fact that the transaction data is stored in the transaction data storage module applying blockchain technology.
6. A payment device comprising interconnected: module 11 of processing data of goods or services, module 12 of storing data of goods or services, module 13 of managing the cost of goods or services, module 14 of processing customer requests, and module 15 of managing wallets, whereby: module 14 of processing customer requests is made with possibility of:
- receiving a request from the buyer to view the current value of the goods and services, on the basis of which compensation is determined, which the buyer will receive after paying the full value of the goods or services;
- determinations of the digital wallet of the buyer;
- generating a request for transfer of monetary units according to the established cost of viewing from the digital wallet of the buyer to the digital wallet created for this product or service; module 15 of managing wallets is made with possibility of:
- receiving the generated request and transfer of monetary units; module 13 of managing the cost of goods or services is made with possibility of:
- receiving a request from module 14 to view the current value of the goods and services;
- deducting the fixed viewing price from the present current value of the product or service to obtain the current value for the buyer;
- directing information about the actual value of the goods or services to the module 14 processing buyers’ requests for their further transmission and display to the buyer.
7. The device according to claim 6, characterized in the fact that cryptocurrency is used as monetary units.
8. The device according to claim 6, characterized in the fact that it is additionally made with possibility of generating information about the offer, placed on the trading site for the corresponding product or service with which the buyer can become familiar.
9. The device according to claim 6, characterized in the fact that module 14 processing customer requests additionally is made with the possibility of:
- receiving a request from the buyer for the purchase of a product or service;
- a request from the buyer of established documents for the purchase of a product or service;
- generating a request for transfer of monetary units, according to the full value of the goods or services or the established minimum deposit amount, from the buyer's digital wallet to the seller’s wallet; - directions generated by requesting module 15 of managing wallets;
- receiving notification of transfer of monetary units according to the full value of the goods or services from the module 15 of managing wallets;
- generating a request for transfer of monetary units from the digital purse of a product or service to the customer’s wallet and sending it to module 15 of managing wallets.
10. The device according to claim 9, characterized in the fact that it further comprises a transaction data storage module, configured to store the transaction data applying blockchain technology.
PCT/RU2019/000486 2019-06-21 2019-07-08 Online trading blockchain-platform for realization of goods and services WO2020256579A1 (en)

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