WO2023048597A1 - Procédé de paiement de produits et de services - Google Patents

Procédé de paiement de produits et de services Download PDF

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Publication number
WO2023048597A1
WO2023048597A1 PCT/RU2022/050158 RU2022050158W WO2023048597A1 WO 2023048597 A1 WO2023048597 A1 WO 2023048597A1 RU 2022050158 W RU2022050158 W RU 2022050158W WO 2023048597 A1 WO2023048597 A1 WO 2023048597A1
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WIPO (PCT)
Prior art keywords
goods
service
product
services
code
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PCT/RU2022/050158
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English (en)
Russian (ru)
Inventor
Арташес Валерьевич ИКОНОМОВ
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Арташес Валерьевич ИКОНОМОВ
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Priority claimed from RU2021127726A external-priority patent/RU2021127726A/ru
Application filed by Арташес Валерьевич ИКОНОМОВ filed Critical Арташес Валерьевич ИКОНОМОВ
Publication of WO2023048597A1 publication Critical patent/WO2023048597A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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

Definitions

  • This invention relates to methods of payment for goods and services, in which the life cycle of goods or services is divided into stages, at the first stage of the life cycle a unique code is formed, which is applied to the goods or marks the document corresponding to the service, each such unique tracking code is associated with information in a single database of all goods and services, containing information about the parameters of a product or service at the first stage of the life cycle, by transmitting signals to a remote server with a single database of all goods and services, a new unique code is formed at each next stage of the life cycle.
  • Server (English server) is an electronic device that performs service functions at the request of the client, providing him with access to certain resources.
  • a server is considered that has a permanent connection to an internetwork that can transmit data to the server from client devices. The server can process this data and send the result of processing back to the client device.
  • the internetwork includes various topologies, configurations and layouts of interconnection components, made with the ability to interconnect corporate, global and local computer networks, and includes, without limitation, traditional wired, wireless, satellite, optical and equivalent network technologies.
  • the internet is usually used as the internetwork.
  • a personal user device is any form of computing platform connected to a network, such as a internetwork, and capable of interacting with application programs.
  • client devices include, without limitation, desktop and portable personal computers, "smart" cellular telephones, (in English - smartphone), portable computers, including tablets, lightweight clients, workstations, "non-intelligent” terminals connected to the application server, as well as their various layouts and configurations, that is, both physical devices for interacting in communication interaction systems, and virtual devices implemented on programmable computer devices, and having a software interface for the implementation of communication functions.
  • this is a smartphone (smart phone, that is, a cell phone that includes the functions of a computer device) with a touch display, or a tablet computer, and similar devices - smart watches, glasses, etc. Often such devices are portable in nature, allowing them to be carried around.
  • the life cycle of a product or service is the sequence of stages in the existence of a product or service in time, from creation, processing, to sale to a customer or provision of a service to a consumer, including transportation, storage, repair, and possible changes in ownership.
  • Unique code of goods or services (passport of goods or services) - alphanumeric or graphic or similar encoding, for example, a barcode, QR code, which can be a unique encoded message readable by electronic devices containing information about a product or service.
  • information can be: production date, composition, manufacturer, seller, cost.
  • Blockchain - a chain of transaction blocks - a chain of formed transaction blocks, built according to certain rules, stored in a distributed database, with each new entry in the database encrypted with a key partially contained in the previous database entry.
  • Means of payment any of the means used for payment, cash account, virtual money, etc.
  • Banking server - a server that is used to store and generate a parameter corresponding to a conditional monetary parameter, including non-cash money, digital money and other means of payment.
  • main server main, central bank
  • main server main, central bank
  • a monetary parameter that is, change its value in the corresponding database
  • servers of ordinary banks serving clients that lead records of the ownership of monetary parameters by various persons, individuals and legal entities.
  • This task is partially clarified by the possibility of introducing a single database of goods and services, and introducing a single mandatory labeling of goods and services at each stage of the life cycle, which is associated with data in this single database of goods and services. That is, at any time, the buyer can find out all the necessary data by the unique code of the product or service.
  • the disadvantage of this prototype is that a single database of all goods and services contains information about the parameters of a product or service at all stages of the life cycle, starting from the first. But at the same time, there is no possibility of controlling all payments for all goods and services, and there is also no correspondence between the volume of all possible payments and the volume of all goods and services, as well as the possibility of controlling this compliance. Indeed, goods and services have their own total value, the money supply exists on its own, they are not connected in any way, and it is impossible to establish an automatic correspondence between them. At the same time, the task is to automate the process of monitoring all payments, to provide the ability to automatically collect all data on all transactions in one place and link this data to a device that can issue money supply, and automatically store the balance between them, ensuring the absence of inflation.
  • the present invention mainly aims to offer a method of payment for goods and services that allows at least alleviate at least one of the above disadvantages, namely, to ensure that all payments can be controlled, ensuring that the volume of all possible payments with the volume of all goods and services, which is the technical problem of the present invention.
  • the method further comprises the steps of:
  • the banking data generation server is configured to issue exactly the amount of the monetary parameter that corresponds to the change in the parameter corresponding to the increase in the cost of the product or service at each stage of the life cycle,
  • bank data generation server is connected to distributed registries for storing information about the monetary parameter, made using blockchain technology. Thanks to these advantageous characteristics, it becomes possible to guarantee against data changes, the reliability of storing all information.
  • a unique code that is applied to a product or a document corresponding to a service is marked is made in the form of a QR code.
  • - figure 1 depicts the life cycle of goods or services based on the proposed method, according to the prior art
  • - figure 2 depicts a functional diagram of payment for goods and services based on the proposed method according to the invention
  • FIG. 3 schematically depicts the steps of the method of payment for goods and services according to the invention.
  • the life cycle (shown by the arrow with the letter t) of goods 1 or services is divided into stages.
  • a unique tracking code 11 is generated, which is applied to the product 1 or the document corresponding to the service is marked.
  • Each such unique tracking code 11 (at the first stage) is associated with information in a single database of all goods and services 2 containing information about the parameters of the goods or services at the first stage of the life cycle.
  • Said database 2 is hosted on a remote server, or on a plurality of servers (distributed database).
  • a new unique tracking code 12, 13, 14, ... is generated, which is applied to the product or marks the document corresponding to the service.
  • Each such new unique tracking code is associated with information in a single database 2 of all goods and services, containing information about the parameters of the goods or services, both at each next stage of the life cycle, and at all previous ones.
  • Such a unique code for the sale of a product or service can be used not only by the buyer, but can be used at any stage in the life path of a product or service where payment is possible, for example, between different manufacturers, suppliers of raw materials or semi-finished products and an assembler of the final product.
  • the buyer's client device 41 reads a unique code, sends a request to a single database 2, receives the necessary information, and after that, payment can be made via NFC and a QR code, taking into account the identification of existing discount or discount cards, credit, debit or any other payment systems and devices that enable remote payment, as well as promotions held or announced at the time of the sale of this product or service.
  • NFC and QR code takes into account the identification of existing discount or discount cards, credit, debit or any other payment systems and devices that enable remote payment, as well as promotions held or announced at the time of the sale of this product or service.
  • the payer 31 brings his device and is the first to read a QR code or an NFC tag, or any other form of reading information about the item or service being sold and about its seller is used, and if this seller has a discount agreement for this item or service through a third party or directly with by the buyer, in any form - it can be a temporary promotion from minutes to years, which is indicated and displayed on the check if it is in the form of a QR code, or as a special label on the device for paying via NFC, these can be discount cards, or credit and debit cards giving the right to a discount in a particular store, restaurant, etc. or payment services that enable discounts and have an agreement with a supplier of goods and services.
  • the buyer's client device 41 makes a comparison with the cards and payment systems that he owns and is linked to the device and finds the best option for payment (and instantly offers the owner these options, if there is no choice, then only one option). Then the owner confirms with which card or payment system associated with him the payment should be made, taking into account this discount. Then provides a device for payment, either via NFC or via a specially generated or available QR code on the device, after reading which the seller sends a request to the issuer of the payment instrument and after confirmation from the buyer (by identifying the owner of the device linked to the account), the issuer instantly debits the payment from the buyer's account in favor of the seller of the goods or services.
  • the QR code is deactivated and the amount deposited for this product is either written off or burned (if it is a blockchain) or returned to the account issuer.
  • the result of a rigid binding of the production of goods and services to the emission of digital (virtual) or cryptocurrency is achieved, which creates the basis for a non-inflationary economy of the state, transparency of customs and tax actions of agents and contractors, manufacturers and consumers.
  • the Central Bank of the country or any other regulatory institution becomes the registrar, which can transfer quotas for emission to the second level, that is, to commercial banks, which, in turn (depending on the issue model), transfer from to the third level of the register.
  • the Central Bank or any other regulatory financial institution creates a platform for the issuance of digital currency tied to the generation of QR codes and provides direct access to it to individuals and organizations directly or through a separate server of individual banks.
  • the data in a single database and the associated data generation server can be stored in a distributed registry or in a centralized registry.
  • a unique product or service code (product passport) is created in the form of a QR code, or other graphic code (or based on a similar identification method that can form physically manifested information suitable for reading by computer devices, for example, mobile devices).
  • Each manufacturer of goods and services is registered on a remote server (or, as already mentioned, on a plurality of servers), which contains a single database 2 of all goods and services.
  • the manufacturer is assigned a special label - a code for identifying the user (in this case, the manufacturer) of goods and services.
  • any such manufacturer can also have another user identification code, already as buyers of raw materials or parts for the production of goods and services, or as an inspector or private user, that is, a buyer, an individual.
  • Stage AZ At each stage of the life cycle of a product or service, for example, at each link in the production chain, at the end of a certain phase, the employee responsible for this stage, who has his own user identification code, receives the product. At the same time, he scans a unique tracking code (passport) of the product or service upon receipt of it, does his part of the work, then, after completing the work, creates his new passport on a mobile device or a special terminal indicating the necessary parameters of the work done and the date the work was completed. This data sent to a remote server and recorded in a single database of all goods and services.
  • a unique tracking code passport
  • This new unique tracking code (passport) is printed and pasted or applied using a special device, such as a laser, on a product or on documentation, a specification for a service.
  • Stage A5. the next employee of the production cycle already scans this new unique tracking code, which corresponds to the “received” stage (indicating the date of receipt), performs his work and, at the end, creates a new unique tracking code (which means “handed over”), again indicating the necessary parameters and date) on the basis of the previous one with all the information available in the previous unique tracking code, prints or applies to the received product.
  • Stage A6 And so it continues until the final stage of production of goods.
  • Each scan upon receipt or delivery is accompanied by sending and receiving information to a remote server, where a single database of all goods and services is stored.
  • the packer scans the unique tracking code from the received product, which corresponds to the “received” phase, and packs it into a container. At the same time, he creates another unique tracking code for the product or service and sticks or applies it to the product.
  • Stage A7 After that, it becomes possible to scan a unique tracking code for a product or service from a mobile device to the buyer. In this case, it may mean “handed over a product or service”, since always and everywhere when creating a unique tracking or scanning code, the necessary parameters and date are indicated.
  • the buyer can create a new unique sales code for the product or service corresponding to invoice attached to the buyer's bank account.
  • the buyer scans this unique code for the sale of a product or service, which is sent to the buyer's bank to debit the required amount.
  • the bank can send a notification to the buyer to confirm the transaction (confirmed by crypto-encryption or signature, or retinal scan or the introduction of a special code), after which the money will be debited in favor of the seller. This operation can occur many times, and each buyer can later act as a seller.
  • Stage A8 On the bank server 6 for generating data corresponding to the emission of a monetary parameter, each time data is transmitted about changes in the life cycle of each product and each service, which includes the parameter of the corresponding value, in particular, the growth of this value. At the same time, the bank data generation server produces each time the emission of exactly the amount of the monetary parameter that corresponds to the change in the parameter corresponding to the increase in the cost of the product or service at each stage of the life cycle.
  • Stage A9 At any stage of the life cycle of a product or service, a link in the production chain of a product or service, they can be controlled by any authorized user, for example, a production controller, a border guard, a customs officer at the border, employees of internal affairs, other law enforcement and special bodies or departments of the state, authorized for inspections.
  • a production controller for example, a production controller, a border guard, a customs officer at the border, employees of internal affairs, other law enforcement and special bodies or departments of the state, authorized for inspections.
  • To read unique tracking codes for example, in the form of QR codes, special devices for contactless reading of information about a product or service can be used. This is convenient for the buyer of a product or service and for its further payment.
  • Cancellation of previously entered information is not possible. It is possible to cancel only the information that was entered after scanning before its registration in a single database of all goods and services. That is, until the graphic code is printed. It is possible to change it before registration in a single database of all goods and services, subject to an agreement on the period for allowing changes, but changes are possible as additional information to the already available. That is, the changes made will be visible. After receipt of the goods or services by the new buyer or user - carrier or custodian, changes are not possible.
  • a new unique tracking code is created by the receiver of the goods, which must indicate that the goods were returned, the date and reasons for the return.
  • a new unique tracking code is created for the returned product, with the obligatory indication the previous unique tracking code and the date of return, as well as its reason, or a unique product disposal code.
  • Stage A10 To make a purchase by the buyer of a product or pay for a service, a unique code of the product or service is scanned by the buyer's client device, then the signal is automatically transmitted to a remote server with a single database of all goods and services to determine the parameters of the product or service, and the signal is automatically transmitted from the remote server with a single database data of all goods and services on the merchant's client device, corresponding to the crediting of the increase in the monetary parameter corresponding to the payment for the goods or services.
  • sequence of steps is exemplary and allows you to rearrange, subtract, add or perform some operations at the same time without losing the ability to verify the authenticity of goods or services. That is, any selection of these individual verification steps can be implemented, that is, the steps can be used simultaneously, individually or in any combination with each other.
  • the data is automatically transferred from the manufacturer's server to a remote server with a single database of all goods and services on which they are stored and through which a unique code is constantly generated that corresponds to different product life cycles, processing at different stages, storage, transportation, and so on. .
  • the banking server generates data corresponding to the emission of a monetary parameter, which is then located in a centralized or decentralized banking environment and forms a money supply that corresponds to an increase in the value of the goods, that is, the added value of the goods. This allows you to pay for goods while maintaining the overall balance of money in the banking system. Money does not come from nowhere, cannot be created, and inflation is not created.
  • Example 2 At the initial stage, digital money (in the form of additional emission) is generated by the bank server in the form of a special digital parameter, which is entered into a special database on this bank server, in the form of information. And then this parameter can be transmitted in the form of signals to other devices, which will correspond to the fact that the bank exchanges them at a special rate, for example, for another fiat or cryptocurrency that the buyer has. In the future (with a large-scale introduction of this technology), the rate can be free, or provide a loan to the buyer, or use the digital money available on the buyer's account.
  • the seller has a product X worth Y (reflected in the QR code).
  • the wholesaler buys goods (for example, through a smart contract) for the amount Y.
  • the wholesaler signs a smart contract with the transport company for the delivery of goods for the amount Z.
  • a QR code of this contract is generated and, accordingly (a signal of this distributed ledger to the distributed ledger of the bank) is generated on the account of the transport company and the amount Z is deposited.
  • a representative of the transport company presents either separately QR codes for goods and transport (service), or (more important and more practical) a common QR code for goods and transportation, which (after the acceptance procedure for quantity and quality ) is scanned by the wholesaler's personal device, converted into a new QR code, where the wholesaler becomes the owner of the goods.
  • the signal from the goods register is transmitted to the bank register (if these are different registers, and if there is one register, then there are different levels of the same register, and different registers can be connected both to each other and to registers of other services and registers through bridges and gateways), which reveals a deposit in the amount of Y from the manufacturer and in the amount of Z, and the wholesaler is deducted from the amount N.
  • the proposed method of payment for goods and services can be implemented by a specialist in practice and, when implemented, ensure the implementation of the stated purpose, which allows us to conclude that the invention meets the criterion of "industrial applicability".
  • the task set is achieved - the ability to control all payments to ensure that the volume of all possible payments corresponds to the volume of all goods and services.
  • this method makes it possible to passport and control the process of production of goods and services at each stage - the life cycle chain, from the very beginning of the production of these goods and services until the moment they are sold, and later, if the goods do not have a shelf life, then the identification of its owner , as well as changes made, for example, service or repairs;
  • this method makes it possible to control the movement of all funds, which is important for creating the possibility of managing the economy in a given territory, including inflation, since the necessary monetary parameter is automatically generated for each increase in value; - It will give the possibility for the controlling authorities of the state to have more accurate information about all taxes and duties, for example, customs, which must be paid and which are paid or not.

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  • Accounting & Taxation (AREA)
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Abstract

La présente invention concerne des procédés de paiement de produits et de services, qui consiste à générer un code de produit unique, mettre en correspondance des informations dans une base de données unique de tous les produits et services et, lors de chaque étape suivante du cycle de vie, générer un nouveau code unique. Selon l'invention, on procède à l'émission de la quantité de paramètre financier qui correspond à un changement de paramètre correspondant à une croissance de la valeur du produit ou du service à chaque étape du cycle de vie. Le résultat technique consiste en la possibilité de contrôler tous les paiements en garantissant la correspondance du volume de tous les paiements possibles avec le volume de tous les produits et services.
PCT/RU2022/050158 2021-09-21 2022-05-19 Procédé de paiement de produits et de services WO2023048597A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2021127726A RU2021127726A (ru) 2021-09-21 Способ оплаты товаров и услуг
RU2021127726 2021-09-21

Publications (1)

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WO2023048597A1 true WO2023048597A1 (fr) 2023-03-30

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PCT/RU2022/050158 WO2023048597A1 (fr) 2021-09-21 2022-05-19 Procédé de paiement de produits et de services

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014183162A1 (fr) * 2013-05-14 2014-11-20 Michael Hill Group Services Pty Ltd Système et procédé d'étiquetage dynamique
RU2643503C1 (ru) * 2017-05-12 2018-02-01 Арташес Валерьевич Икономов Способ проверки подлинности товаров или услуг
CN110503401A (zh) * 2019-08-23 2019-11-26 广州凯晟信息科技有限公司 一种基于产品全生命周期的管理方法、装置、设备及介质

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014183162A1 (fr) * 2013-05-14 2014-11-20 Michael Hill Group Services Pty Ltd Système et procédé d'étiquetage dynamique
RU2643503C1 (ru) * 2017-05-12 2018-02-01 Арташес Валерьевич Икономов Способ проверки подлинности товаров или услуг
CN110503401A (zh) * 2019-08-23 2019-11-26 广州凯晟信息科技有限公司 一种基于产品全生命周期的管理方法、装置、设备及介质

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