System for performing cashless financial operations

FIELD: computer science.

SUBSTANCE: system has keyboards, output connecting device, central processor unit, modems, wireless communication device, identification block, processing center. Wireless communication device and each modem have a set-point generator, phase manipulator, scrambler, first mixer, first heterodyne, amplifier of first intermediate frequency, first power amplifier, duplexer, transceiver antenna, second power amplifier, second mixer, second heterodyne, amplifier of second intermediate frequency, multiplier, band filter, phase detector and descrambler.

EFFECT: higher reliability.

5 dwg

 

The proposed system relates to the field of computer technology, in particular to its use for payment transactions in the financial systems of non-cash payments, particularly to a system of cashless payments using transfer information using wireless communications.

The known device (system) to ensure non-cash financial transactions (RF patents №№2.124.231, 2.162.245, 2.216.773; U.S. patent No. 5.465.206, 5.999.773 and others).

Known devices (systems) is closest to the present invention is System for cashless financial transactions" (patent RF №2.216.773, G 06 F 17/60, 2001), which was chosen as the standard.

However, this system does not provide reliable protection of transmitted data from unauthorized access.

An object of the invention is to increase the reliability of protection of the transmitted data from unauthorized access through the use of complex signals with phase shift keying and duplex radio communication at two frequencies.

The problem is solved in that in the system of cashless financial transactions, including at least one device input / output information containing at least the keyboard for data entry operations, a keyboard for entering a PIN, the output tells us the device, confirming and fixing of the operation, and the first modem connected to a Central processor having a program store the identity of the seller, the data generated from operations, generating request to the processing center and providing the activation of the first modem, the connection node of the first modem with the wireless communication performed with the possibility of connection with the total for your wireless network wireless within her unit identification devices used for wireless signal transmission in the network of banks and credit institutions through consistently located and connected between the second modem and the processor handles each incoming request, response form for device I / o and provides network management of banking and credit institutions, while the wireless device is a personal device wireless client having a unique identifier, the connection node of the first modem with the wireless communication performed with the opportunity to connect with your personal wireless communication client, the identification block used for personal wireless communications devices connected to additional the th block, providing the definition of the signal of the call processing center and transfer personal identification code of the wireless client to the processing center connected to a second modem, wireless communication and each modem is connected in series oscillator, the phase of the manipulator, the second input is via the digital scrambler connected to a source of discrete messages, the first mixer, a second input connected to the output of the first local oscillator, amplifier first intermediate frequency, a first power amplifier, duplexer, the input-output of which is connected to a receive / transmit antenna, a second amplifier, a second mixer, a second input connected to the output of the second lo amplifier of the second intermediate frequency, multiplier, a second input connected to the output of the first local oscillator, a bandpass filter, a phase detector, a second input connected to the output of the second local oscillator, and digital descrambler whose output is the output device.

Structural diagram of the proposed system for payments presented in figure 1. The block diagram of wireless communication devices, the first and second modems shown in figure 2 and 3. Frequency chart explaining the process of conversion the Finance signals, shown in figure 4. Timing diagrams explaining the principle of operation of the duplex radio communication, depicted in figure 5.

The device I / o includes a keyboard 1 input data produced by operation of the keyboard 2 input PIN and the first modem 5 is connected to the corresponding inputs of the CPU 4, the output indicating device 3, node 6 connection of the first modem 5 to the device 7 wireless (WCD) of the client. The Central processor 4 corresponding outputs connected to the input of the output indicating device 3 containing, for example, a display and a printer, and also to the input of the first modem 5 for transmitting the processed information. The first modem 5 is connected also to the input and the output node 6 of the connection with the wireless communication device 7. The device 7 wireless input and output connected to the unit 8 identification used CT and additional unit 9, an input connected with the output unit 8. Unit 9 input and output connected to the second modem 10, the input-output of which is connected to the processor 11, and the input-output of the center - entrance-exit Bank or credit institution 12.

The device 7 and the first wireless 5 (10 second) modem contain cascaded oscillator 13.1 (13.2), the phase manipulator 14.1 (14.2), the second input is via digital is kimbler 15.1 (15.2) is connected with a source of discrete messages, the first mixer 16.1 (16.2), a second input connected to the output of the first local oscillator 17.1 (17.2), the amplifier 18.1 (18.2) the first intermediate frequency, a first amplifier 19.1 (19.2) capacity, duplex 20.1 (20.2), the input-output of which is connected to transceiver antenna 21.1 (21.2), the second amplifier 22.1 (22.2) power, a second mixer 23.1 (23.2), a second input connected to the output of the second local oscillator 24.1 (24.2), power 25.1 (25.2) of the second intermediate frequency, multiplier 26.1 (26.2), the second an input connected to the output of the first local oscillator 17.1 (17.2), band-pass filter 27.1 (27.2), phase detector 28.1 (28.2) and digital descrambler 29.1 (29.2)whose output is the output device.

The scheme works as follows. The client, having a cell phone or personal radio station 7, enters into a contract with a Bank or credit institution (BKU) 12 for opening an account for service payment transactions. This BKU 12, the processing center 11, institutions, trade and services (which are input devices-output) - participants of the system of cashless payments must also have contractual relations.

The client-party system when contacting the establishment of a trade or service selects the desired product or service and informs the seller that the device I / o requests in processing the new data center 11 purchased the product (service), price, quantity, etc. of the Client communicates with the processing center 11 by using a personal wireless communication device 7, block 8 identification is determined by the individual number of personal wireless communication devices of the client, verifies its identity to the client served by this identification block.

When this oscillator 13.1 generates harmonic oscillation (figure 5,a)

uc1(t)=Uc1cos(ωct+ϕc1), 0≤t≤Tc1,

where Uc1that ωcthat ϕc1Tc1- amplitude, carrier frequency, initial phase and duration of the oscillations,

which arrives at the first input of the phase manipulator 14.1, to the second input of which is applied a modulating code M1(t) (figure 5,b) output digital scrambler 15.1. Input of the latter is connected with a source of discrete messages, which can serve as a keyboard 1 for inputting data and a keyboard 2 for PIN entry.

The output of the phase manipulator 14.1 formed a complex signal with phase shift keying (QPSK) (figure 5,)

u1(t)=Uc1cos[ωct+ϕk1(t)+ϕc1], 0≤t≤Tc1,

where ϕk1(t)=0, π - manipulated component phases, reflecting the law of phase manipulation in accordance with the modulating code M1(t), being the m ϕ k1(t)=const for K kτe<t<(k+1)τeand may change abruptly at t=kτei.e. at the boundaries between elementary parcels (K=1, 2, ... N-1);

τeN1- the duration and the number of basic assumptions which form the signal duration Tc1=(Tc1eN1), which is supplied to the first input of the mixer 16.1, to the second input of which is applied the voltage of the local oscillator 17.1

uG1(t)=UG1cos(ωG1G1).

At the output of the mixer 16.1 formed voltage Raman frequencies. Amplifier 18.1 allocated first intermediate voltage (total) frequency (figure 5,g)

unp1(t)=UPR1cos[ωPR1t+ϕk1(t)+ϕPR1], 0≤t≤Tc1,

where

K1- gain mixer

ωPR1withG1- first interim (total) frequency,

ϕPR1C1G1.

This voltage, after amplification in the amplifier 19.1 through the duplexer 20.1 radiated by transmitting antenna 21.1 broadcast on frequency ω1PR1, captured transceiver antenna 21.2 of the second modem 10 and through the amplifier 22.2 power is supplied to the first input of the mixer 23.2. At the second gathering of the mixer 23.2. voltage uG1(t)lo 24.2. At the output of the mixer 23.2 formed voltage Raman frequencies. Amplifier 25.2 allocated the second intermediate voltage (differential) frequency (figure 5,)

uAC2(t)=UAC2cos[ωAC2t+ϕk1(t)+ϕAC2], 0≤t≤Tc1,

where

ωAC2PR1G1cthe second intermediate (differential) frequency;

ϕAC2CRG1,

which is supplied to the first input of the multiplier 26.2, to the second input of which is applied the voltage of the local oscillator 17.2

uT2(t)=UT2cos(ωT2t+ϕT2).

At the output of the multiplier 26.2 formed voltage

u2(t)=U2cos[ωG1t-ϕk1(t)+ϕG1], 0≤t≤Tc1,

where

To2- transfer coefficient multiplier,

given bandpass filter 27.2 and is supplied to the information input of the phase detector 28.2, the reference input voltage uG1(t) lo 24.2. The output of the phase detector 28.2 outstanding low-frequency voltage (figure 5,d)

uH1(t)=UH1cosϕk1(t), 0≤t≤Tc1,

where

To3- gain of the phase detector,

proportional to modulating the at M 1(t) (figure 5,b).

This voltage through digital descrambler 29.2 supplied to the processor 11 determines whether the device used 7 wireless-party payment transactions in the system of contractual relations.

When the negative result of the check link is broken, if confirmed customer's registration as a participant on CBS 7 signal-an invitation to enter your PIN.

For this master oscillator 13.2 second modem 10 is formed of a harmonic oscillation (figure 5,e)

uc2(t)=Uc2cos(ωct+ϕc2), 0≤t≤Tc2,

which arrives at the first input of the phase manipulator 14.2, to the second input of which is applied a modulating code M2(t) (figure 5,g) output digital scrambler 15.2. The output of the phase manipulator 14.2 formed a complex signal with phase shift keying (QPSK) (figure 5,C)

u3(t)=Uc2cos[ωct+ϕk2(t)+ϕc2], 0≤t≤Tc2,

which is supplied to the first input of the mixer 16.2, to the second input of which a voltage uT2(t) lo 17.2. At the output of the mixer 16.2 formed voltage Raman frequencies. Amplifier 18.2 stands out as the DC link voltage (differential) frequency (figure 5,)

uAC3(t)=UAC3cos[ω2t-ϕk2(t)+ϕAC3], 0ɤ t≤Tc2,

where

ω2T2with- intermediate (differential) frequency;

ϕAC3withT2.

This voltage, after amplification in the amplifier 19.2 power through the duplexer 20.2 radiated by transmitting antenna 21.2 on frequency ω2air is trapped by the transceiver antenna 21.1 and through the amplifier 22.1 power is supplied to the first input of the mixer a second input of the mixer 23.1 voltage uT2(t) lo 24.1. At the output of the mixer 24.1 formed voltage Raman frequencies. Amplifier 25.1 allocated the second intermediate voltage (differential) frequency (figure 5,C)

up(t)=Upcos[ωAC2t+ϕk(t)+ϕp], 0≤t≤Tc2,

where

ωAC2T22the second intermediate (differential) frequency;

ϕpAC3T2,

which is supplied to the first input of the multiplier 26.1, to the second input of which a voltage uG1(t) lo 17.1. At the output of the multiplier 26.1 formed voltage

u4(t)=U4cos[ωT2t+ϕk2(t)+ϕT2], 0≤t≤Tc2,

where

ωT2AC2G1,/p>

given bandpass filter 27.1 and is supplied to the information input of the phase detector 28.1, the reference input voltage uT2(t) lo 24.1. The output of the phase detector 28.1 formed low voltage (5 to)

uH2(t)=UH2cosϕk2(t), 0≤t≤Tc2,

where

proportional to the modulating code M2(t) (figure 5,g). This voltage through digital descrambler 29.1 supplied to the Central processor 4 as a signal-an invitation to enter your PIN. Then the client authentication is gaining the PIN issued to him when you register as a member of this payment system, on the PIN keypad 2 seller or preferably on the keyboard of his / her personal communication device 7. After receiving confirmation on the passage of a PIN of the processing center 11 client puts enabled personal device 7 wireless node 6 connected to the first modulator 5 to ensure contact. Activation of the first modem 5 occurs when the seller of the program data by the CPU 4, then the data about the goods, etc. that was previously entered by the seller are transferred to the processor 11. The processing center 11, representing, for example, a server running the appropriate programme the m software to perform the required functions, performs the processing of the information received and established communication channel between it and the device I / o transmits the result of the operation, which is displayed on the output report device 3 device input / output and recorded on media such as printed. The seller provides the customer with a receipt and paid for the goods (provided services).

Thus, the proposed system compared to the baseline and other technical solutions for a similar purpose provides improved reliability information security from unauthorized access. This is achieved by using complex signals with phase shift keying and duplex radio communication at two frequencies.

When this discrete information on the first modem is transmitted on frequency ω1PR1T2and received on frequency ω2G1and the second modem, on the contrary, discrete information is transmitted on frequency ω2and received on the frequency ω1. The frequency of the local oscillators separated by twice the value of the second intermediate frequency

ωT2G1AC2.

Protect transmitted information from unauthorized access has three levels: cryptographic, energy, and structural.

Cryptographic provincespecific special encryption methods, encoding and conversion information in which the content becomes unavailable without presenting key cryptogram and the inverse transform.

When the digital way to close the message being sent, which is implemented digital scrambler 15.1 (15.2), we can distinguish four main groups:

1) substitution symbols of discrete messages are replaced by other symbols in accordance with a predetermined rule;

2) the permutation characters of discrete messages perestanavlivaya by some rule within a specified block of the transmitted discrete messages;

3) analytical convert - encrypted message is converted by some analytical rule;

4) the combined conversion - source discrete message is encrypted by two or more methods of encryption.

The principle of operation of digital descrambler 29.1 (29.2) corresponds to a digital scrambler 15.1 (15.2), but has the opposite character.

Energy and structural levels provided by the use of complex signals with phase shift keying, which have high energy and structural secrecy.

Energy reserve data signals due to their high compressibility in time or range under optimal processing that poses the s to reduce the instantaneous radiated power. As a consequence, used complex QPSK signal at the point of reception may be masked by noise and interference. And energy complex QPSK signal is not small, it just spread across the time-frequency region so that at each point of this region is the signal power is less than the noise power and interference.

Structural secrecy FMN complex signals due to the large variety of their forms and significant ranges of parameter changes, which complicates the optimal or at least quasi-optimal processing complex QPSK signals priori unknown structure in order to increase the sensitivity of the receiver.

Complex signals with phase shift keying open new opportunities in technology transfer messages and protect them from unauthorized access. These signals allow you to apply a new type selection - structural selection. This means that there is a new opportunity to highlight the complex QPSK signals other signals and noise, operating in the same frequency band and at the same time. This feature is implemented by a convolution of the spectrum of the complex QPSK signals.

System, cashless financial transactions, including at least one device input / output information containing at least a keyboard for data input output the second operation, a keypad for entering a PIN, the output indicating device, confirming and fixing of the operation, and the first modem connected to a Central processor having a program store the identity of the seller, the data produced by the operation of forming the request to the processing center and providing the activation of the first modem, the connection node of the first modem with the wireless communication performed with the possibility of connection with the total used for the wireless network, the wireless part of it unit identification devices used for wireless signal transmission in the network of banks and credit institutions through consistently located and interconnected second modem and processing center that processes each incoming query that generates the response for the device I / o and provides network management of banking and credit institutions, while the wireless device is a personal device wireless client having a unique identifier, the connection node of the first modem with the wireless communication performed with the opportunity to connect with your personal wireless communication client, the identification block is used per the national wireless communications devices connected to the additional unit, providing the definition of the signal of the call processing center and transfer personal identification code of the wireless client to the processing center connected to a second modem, wherein the wireless communication device and each modem is connected in series oscillator, the phase of the manipulator, the second input is via a digital scrambler is connected to a source of discrete messages, the first mixer, a second input connected to the output of the first local oscillator, amplifier first intermediate frequency, a first power amplifier, duplexer, the input-output of which is connected to a receive / transmit antenna, a second amplifier, a second mixer, the second input is connected to the output of the second local oscillator, the amplifier of the second intermediate frequency, multiplier, a second input connected to the output of the first local oscillator, a bandpass filter, a phase detector, a second input connected to the output of the second local oscillator, and digital descrambler whose output is the output device.



 

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