The method of non-cash payments and the system for implementing the method

 

The invention relates to computer technology and can be used in the implementation of cashless payments. The technical result consists in increasing the reliability of non-cash payments. According to method amount of money is recorded in the station of the seller and, together with the identification code of the station seller transmitted to the balance, where the data is temporarily stored. The payer via the mobile phone transmits the identification code of the station of the seller in the device balance, which compares the identification code with the stored data and transmits a corresponding amount of money your mobile phone, requesting confirmation of the payment that is passed to the device balance, which then transmits the corresponding entry in the device management accounts. The system implements this method. 4 C. and 28 C.p. f-crystals, 6 ill.

The invention relates to a method of non-cash payments and the system for implementing the method.

In recent years, the volume of cashless payments has increased significantly for a number of reasons, including due to the fact that buyers are not necessary is it to reduce the risk of theft, on the other hand, helps people to make unplanned purchases. As for sellers, for them it eliminates the need for handling large sums of money.

The simplest means of payment of this kind, which is a receipt, not fully reliable, since checks can be easily stolen and, for example, through forgery signatures can be used in an unauthorized manner. In addition, their use for buyers and sellers is a very troublesome thing.

Including for these reasons, in the past, were introduced credit card, where the card holder by using a valid credit card and in conjunction with his signature or often only using a credit card can make payments. And in this case, the risk of wrongful acts great, because it does not provide effective protection mechanisms. Along with the signature, the seller often requests the authentication center, in which he may ascertain blocked if the card or not.

Because of the high fees and the fact that the credit card holder should always be given some credit, as alternatives were developed intellectual carrionette technology coding (encryption), to be able to store on the map sums of money so that the map loads could be carried out only by authorized bodies. For payment of large sums provided by the PIN, which is when the payment is verified directly with the chip card. This type of payment requires a fairly significant investment, so as to generate network load. In addition, sellers must create the appropriate station reading.

In the patent application WO 98/47116 described method of making payments from the client to the seller via telecommunications devices, as well as a corresponding device for implementing the method. In accordance with this method, the client first establishes by phone the mobile radio connection with the so-called remote payment. This device prompts them through the established connection identification data of the seller and the payment amount. The remote payment stores the transaction data and sends to the client and, after establishing the corresponding communication connection and transfer the appropriate transaction code and amount for confirmation, seller confirmation. the rate, in the database of the remote payment, the Bank defined by the order of seller, or in the first Bank sent the request for the transfer. At the same time to ensure the reliability of the transaction, a geographic location of a mobile phone is determined either by determining the cell radio, which is the phone or by means of GPS (Global positioning) and compared to a list of authorized locations. This way, on the one hand, is technically laborious given location, and on the other hand, the client needs via phone to enter a large amount of information that, because of the very small size of the buttons and displays of mobile phones, is a very tedious procedure, error-prone. When this is impossible prostem way to enter additional information about committed transactions, for example, about the purpose of the payment and so on

Therefore, the present invention is to provide a method for implementing a simple but reliable non-cash payment, in particular in different locations, and system for implementing the method. For clients initiating the transaction occurs through prostol other stages of the maintenance procedures. Moreover, as on the seller side and on the client side to the minimum extent required new infrastructure (hardware and software), and in the most favorable case, the currently available terminal devices (terminals) to pay for purchases at point of sale.

The problem is solved by a method, the characteristics of which are described in paragraph 1 of the claims and which may be implemented by a system with the characteristics set out in paragraph 18 of the claims.

In contrast to the use of credit cards application data exchanged over the established connection, for subsequent transactions impossible due to the required time-limited mobile phone link and confirmation during this time for the seller.

In addition, due to the use of the device balance, you can make a payment so that you do not need to transmit data security transaction from the buyer, such as an identification code, to the seller. Thus the method allows you to make anonymous payments.

In addition, buyers who have a mobile phone with the s phones with SIM cards are already widely spread, so a large number of users can make payments in accordance with the claimed method without additional investment and without the need to remember PIN codes.

Station seller also technically very simple, since in the simplest case, to implement the method sufficient electronic cash register with the possibilities of online payment on the seller side. As well as the seller can be a computer with a modem and appropriate software. Also as a simple station of the seller can be used by the second mobile phone. Thereby, it is possible to realize a simple and reliable non-cash payments.

In addition, there is often a spatial proximity between the station of the seller and the mobile phone, but this is not necessary.

In addition, the client does not need more to introduce yourself payable amount. The method corresponding to the invention, it has the advantage in contrast to the method known from WO 98/47116, as at present, as a rule, the prices of goods in the cash register are automatically defined with labels price or using a barcode read associated with cash so the purchase price.

The invention, moreover, is solved by a method and system for its implementation with the features set forth in paragraphs 3 and 19 respectively of the claims.

Until the benefits of anonymous payment, the second variant of the method detects the same advantages as in the first embodiment of the method; in addition, this case has the advantage that the data entry for the owner of a mobile phone is minimal, as it is called.

However, to do so otherwise than in the first variant of the method, the identification code assigned to your SIM card, is sent to the seller.

The invention, moreover, is solved by a method and system for its implementation with the features set forth in paragraphs 6 and 20 respectively.

The concept of interface for wireless data transmission” covers in this case, as elsewhere in this application, and corresponding device for processing data, i.e. read from the memory, transmission and respectively received and recorded in memory. There must be software, specially adapted for the station dealer and respectively for mobile phone. Wireless transmission can be done through various cream, and ultrasonic ranges. When using the microwave and, accordingly, the radio wave ranges for the interface, it is preferable to use an interface type "BLUETOOTH". It is possible to practically omnidirectional transmission, which does not require line of sight between the mobile phone client station and the seller. When using optical radiation in the interface, it is preferable to use interfaces such as IrDA or Air, in which case the transfer is made with the use of infrared radiation in a limited range of spatial angles directed manner, in accordance with a specific Protocol that, on the one hand, reduces interference, and on the other hand, reduces the likelihood of unauthorized manipulation.

Along with the advantages of the first method, an additional advantage of this method is that the seller is not required to read any data from the buyer, but at the same time and the buyer is not required to enter the data of the seller.

As in the first and second embodiments of the method the first step is to read device identification code balance. Device identification code ACC is and it becomes necessary, it automatically establishes a connection based on the stored identification code, or, if there are multiple devices making up the balance, it is still saved should get one.

Preferred embodiments of the method and system for implementing the method is characterized in dependent clauses 2, 4, 5, 7-17, 21 and 22.

In this application under the phone understood as a combination of phone with other electronic devices, such as electronic notebooks and accordingly the conventional terminal device in a mobile radio network, a component of which is the phone. The essential feature is that you can only use devices that use a SIM card, which is preferably protected by a PIN code. Under SIM cards in General refers to the system map or maps of a subscriber identity module, which stores data necessary for connecting the phone, in particular identifying the connection, and which must be entered in the phone to enable the phone to work in the corresponding network. Preferably we are talking about devices GSM (global mobile network seobinggo phone via data stored in the mobile phone, for example, in the form of a SIM card, preferably with the use of additional access control via PIN code. In the General case in this application, the term mobile phone with the SIM card that is different due to identifying its identification code, mean such devices mobile radio communications, which are permanently built-in components with the above-mentioned function of the SIM card, i.e. in which stored data is needed to connect the phone, in particular, also identifies the connection.

In the case of an identification code associated with the SIM card, or identifying the identification code it is in the simplest case, the phone number of the phone. In another embodiment, instead of a phone number can also be used other identification specified by the user of the phone, such as the identification code of the provider network and unambiguously defined in the service provider network identification code, such as the account number of the network provider.

The preferred manner in the first and third embodiments of the method in each case, identification data that is stored on the SIM card, automatically peredaiutsia through established with this SIM card connection that significantly increases security, because, on the one hand, only one password can be very simply used in an unauthorized manner, and on the other hand, due to the automatic polling and transmission of an identification code, stored on the SIM card, using the identification code separately from the SIM card is almost impossible, and the SIM card with its contents is not easy to forge. Through the use of a mobile phone with this SIM card only the owner of the SIM card can make a confirmation of payment from the account associated with the SIM card. Additional protection is provided by the fact that the mobile phone with the SIM card, usually protected using a SIM PIN code, which you enter when you enter in the action.

Since connections mobile radio is essentially impossible to stop or it can be done with very great difficulties, the manipulation of the established connection radio is virtually eliminated.

Issued data can be represented in the form of speech signals, and in the form of graphics or text messages, which can for example be displayed on the display of the phone. For this device balance should perevoditsja in the phone voice, the device balance in this case is a must have device speech recognition; or in the form of clicks, which are decoded in a different manner. Thus, information can be entered either touchtone or through the transfer service short message to be entered using the buttons of the mobile phone.

Information display and data entry can occur, in particular, through the control menu, if the unit balance and a mobile phone adapted for this. The preferred way for each graphically styled menu can be used, for example, WAP (wireless application Protocol) or the Protocol NTT or XC (and it does not connect to the Internet).

Optionally, the information confirmation link with additional requests for security, such as passwords, PIN-codes, secure ID cards, biometric checks, such as fingerprints, voice recognition or other means of protection.

Station dealer has a device for data input and output, and the device interface connections device with the data transfer device balance we can talk about connections exclusively for data transmission, and any other suitable types of telecommunication connections; however, the interfaces must be implemented accordingly. In particular, in the case of a station of the seller, we can talk about the station, which can connect mobile radio communications, in the simplest case it can be a simple mobile phone.

Instead of the identification code of the station of the seller in the preferred embodiment, after reading the name and location of station of the seller using the identification code of the station by the device, balance tables, the name and location of station of the seller can be transferred to the phone and there thrown.

In the case of the first and second variants of the method of connection to the station from the seller to the device balance can exist for a long time, or is it installed before or after you enter the appropriate information. This stage is then viewed as an integral part of the first stage transmission from the station the seller to the device balance. In the latter case, after the transmission information confirming the connection between the device balance and station Ave If the first or second variant of the decision not to connect to the phone, then the transaction is aborted. The preferred way in this case, the station of the seller transferred the relevant code, where an appropriate error message.

In a preferred embodiment, the first or second variant of the method the seller may jointly to convey the reason for the transaction or additional information in the device balance. In particular, if the product is determined by the product descriptions in conjunction with database products, such as product numbers and/or relevant barcodes, the seller can easily transfer this data together with the payable amount in your balance, which transmits the received data on to the client. It wouldn't be easy to implement when using a method similar to that described in the application WO 98/47116, which comes from the use of a mobile phone.

In a preferred embodiment, the first and second options methods, apparatus and station of the seller have interfaces through which the identification data is transmitted from one device to another wirelessly. Instead of entering identification codes can then, at the latest, at that stage, when the contrary is to eredeti from one device to another. In the case of the first variant of the method, the seller may, through this interface to transmit its identification code of the seller, but also other additional data transaction to a mobile phone, so the client is not required to perform any additional input data, such as identification code of the seller, the amount of payment, and so on

Interfaces for wireless data transmission can be performed in analog, as in the third embodiment of the method, and accordingly modified data processing only.

This infra-red interface of the phone is designed in such a way that the identity of the SIM card by pressing the corresponding buttons on the phone are issued via the interface and/or the identification code via the infrared interface is read, stored and when the phone call when the button is clicked, if necessary together with the identification code of the SIM card, can be transmitted over a telephone connection. The corresponding functions for saving and calling preferably also in the station of the seller.

In a particularly preferred embodiment of the third variant of the method and corresponding system stations is the seller and additional information in particular, the amount of money is transmitted via a wireless connection, in particular via infrared connection, a phone and there may temporarily be stored. In addition, the apparatus is designed so that when connection is established, the accumulated data can be called and passed. Then in the third embodiment of the method you only need to enter the identification code of the SIM card.

The device balance contains device interfaces for data transmission to the stations of the sellers, and similar devices interfaces for connections mobile radio communications, as well as advanced device scan vendors and users to verify identification codes of the stations vendors are responsible for this service, and the SIM card, the device will save the transaction for the preservation of open transactions, a connection to the device account management, and device management, which covers all stages of processing and management of individual devices.

The device balance also has its own identification code, in the simplest case, the phone number or IP address.

In the case of device interfaces we are talking about devices, through which communication is established with sooty, in the simplest case we can talk about simple, active analog, modulators/demodulators; in the case of digital networks applied other operating digitally device interfaces.

The unit balance is a screening device users and sellers, which you can use to check whether the user station or the seller to use the method. This may go on a storage device (memory) of user data or data vendors, respectively, are stored in at least identification codes are approved for this service, SIM cards and accordingly stations sellers. In the simplest case we can talk about simple files or databases, which can be saved and the other related to the identification code information.

In a preferred embodiment, in the memory of the user data stored identification codes, respectively, SIM card and associated account number in the device accounts. If the identification number of the SIM card is not her phone number, last saved together with identificationin code. The control unit then passes device information in a memory of the user data.

In accordance with this, in the memory of user data can be stored identification code of the station of the seller and associated with her account number in the device accounts. The control unit then passes into the device accounts no station identification code of the seller, and based on the information in the memory data vendor data corresponding to the identification code and the account identification; in Germany, for example, account number and Bank number. The corresponding is true for the memory of the user data.

Device accounts may, in the preferred embodiment, to be integrated with the device balance that provides a compact design and very fast, protected from interference data processing transaction.

As for the data transaction, it is in the case of the inventive method, for example, about amount of money and identification code of the seller, and in the case of the second and third variants of the claimed method further about the identification codes of the user.

In yet another preferred embodiment of the first variant of the method and corresponding system for the implementation of the first variant of the method the open transaksi the Oia, the transaction is canceled, and associated with this open transaction station of the seller is notified that the transaction is rejected. Thus, as an additional sign of protection becomes necessary proximity in time of the individual connections.

In another preferred embodiment, the radiotelephone network and device balance is designed so that the device balance may determine the telephone number of the SIM card of the caller mobile phone, and as an identification code of the SIM card used her phone number. In this case, in various embodiments, the method may not enter an identification code of the SIM card in the mobile phone, instead, the device balance is always the phone number of the SIM card. At the same time in this case for the first and third variants of the method it is guaranteed that only the owner of the SIM card can confirm the transaction.

Preferable, the device balance is designed so that to eliminate errors in the way that perhaps the intervention of maintenance personnel. The preferred way stantiality variants of the method.

Along with the mentioned device should, of course, to have the necessary data network or a telecommunications network to be able to execute the method. In this sense, they are also integral parts of the system for implementing the method.

Corresponding to the invention variants of the method can be particularly preferred to use for making payments on the Internet, since the spatial proximity of the apparatus and device of the seller in this case is not required, and accordingly in this case, the computers used to connect to the Internet, should be considered as an integral part of the device vendor.

Examples of carrying out the invention is described below with reference to the drawings, in which presents the following:

Fig.1 - schematic representation of the system, corresponding to one of the embodiments of the invention;

Fig.2 - schematic representation of the stations of the seller of the system of Fig.1;

Fig.3 - schematic representation of the device of the balance of Fig.1;

Fig.4A and 4b is a very simplified schematic representation of the method according to one form of execution of the first variant of the method, sootwetstwu the second variant of the method, corresponding to the invention;

Fig.6 is a very simplified schematic representation of the method according to one form of execution of the third variant of the method corresponding to the invention.

According Fig.1, the system corresponding to the first embodiment of the invention, includes a mobile phone with 2 SIM card and IR interface, station 1 seller with IR interface and the device 3 for balance. From a mobile phone via infrared communication between the infrared interfaces can be transmitted identification code to the station of the seller.

Device 3 balance can be connected via a mobile radio connection with the mobile phone 2 through the connection for data transmission from station 1 seller.

These three devices, namely station 1 seller, device 3 balance and the mobile phone 2, more precisely the SIM card in it, have identification codes, which in this embodiment are the phone numbers accordingly station of the seller, the device for balancing and mobile phone. Instead of phone numbers can also be used, for example, IP addresses.

The mobile phone 2 includes izocam the infrared interface for exchanging data; he is supposed to be able to pass on call via IR interface be transferred and stored data while the established telephone connection. It is activated for implementing the method in the respective mobile radio network.

In Fig.2 station 2 presents the seller with the device 5 input data, such as a keyboard; the device 4 output, such as a display device, such as a monitor; and IR interface 6, which is made in such a way that through it you can exchange data with the phone, and the interface 8 data. Unit 7 management is connected with other devices and processes the entered data, transmits the data to the display device 4, and receives or transmits data through the IR interface 6 and/or the interface 8 data depending on inputs data through the input device 5 or other interfaces.

Device 3 balance, as shown in Fig.3, contains the device 9 of interface for data connection to the stations of the sellers and the device 14 interface for connection of the mobile radio ZU 10 data transaction for temporary storage of transaction data, the device p is the free period, the device checks the user in the form ZU 12 user data for storing identification codes of users and their corresponding account numbers, the connection device 15 accounts, as well as the device 13 management for data processing and data exchange of the aforementioned elements of the device balance. In the simplest case we can talk about a personal computer (PC) or other computer with appropriate charts telecommunication interfaces and corresponding software.

Device 7 and 13 of the control respectively of the station's vendor and device balance is configured to perform steps of the method of calculations. Depending on the specific options of ways, the control device executes accordingly.

The following describes the procedure of the payment transaction in accordance with one form of execution of the first variant of the method.

In Fig.4A and 4b in the form of a table presents the procedure of the way, and under each other in columns shows successive stages of the method in a separate system components: the mobile phone 2, the device 3 balance in station 1 of the seller.

Essentially from station 1 seller Kerki identification code of the seller are temporarily stored. From the mobile phone 2, depending on the option run phone, before or after a connection is established with the device 3 balance reads the identification code of the seller, which can be done through speech input, and these data together with the identification code of the SIM card are transmitted to the device balance, where the identification code of the SIM card is checked. By comparing the identification codes of the stations of the seller with the appropriate identification codes in the temporarily stored data transmitted money amount is transferred to the mobile phone 2 and there is issued. After entering the information, confirm it is passed to the device 3 balance, which sends data to station 1 of the seller and, in accordance with the information confirmation, sends data to the device 15 accounts.

In more detail the method corresponding to this form of execution is as follows.

First of all be paid the sum of money and an identification code for the device 3 balance through the input device 5 is recorded in station 1 of the seller, then, in accordance with the operation of the device 7 PP 8 of interface for data connection the identification code of the station 1 of the seller and the amount of money is transmitted as a data transaction device 3 balance with the specified identification code.

In the device 3 balance data is received through the device 9 of interface for data connection. After comparing the identification data, seller identification data, the sellers entered into the memory 11 data sellers to verify access this station the seller to the service data transaction using the control device 13 is written in the form of an open transaction in the memory 10 of the data transaction device balance. The infrared interface 6 before entering the data in station 1 seller, but at the latest after the connection with the device 3 balance, ID, ie, dial the station number of the seller, is transmitted to the mobile phone 2. From the mobile phone 2 to the device balance, connection, and stored identification code station 1 of the seller and the identification code of the apparatus is transmitted to the device 3 balance. If sending via IR interface is temporarily not possible, the identification code may also be entered using the keyboard. This input data may also be performed when using the phone without the IR interface.

In the device 3 balance transferred from mobile redundancy, stored in the memory 10 of these transactions. If such transaction is not found, the procedure terminates, and otherwise detected transaction data is transmitted via the mobile radio interface to a mobile phone and given there. In addition, the identification code of the mobile phone is compared with the identification codes of users recorded in the memory 12 of the user data to determine whether the user access to the service. If such permission is denied, then the transaction is aborted, and the data is routed to the station 1 seller.

After the query and data entry confirmation via the keypad of the mobile phone 2 confirmation data transmitted to the device 3 balance, which again transmits confirmation data at station 1 the seller where they are issued.

In the device 13, the control device 3 balance is checked whether the data confirm the occasion of the transaction is rejected or not. In the first case, the transaction is aborted, and in the second case, the data transaction is read from the memory 10 data transaction identification codes of the stations of the seller and the mobile phone by using the data in the account number transmitted to the device 15 accounts. The transaction is deleted from the memory 10 data transaction.

In the device 3 balance are ongoing review how long does an open transaction in the memory 10 data transaction. If an open transaction exceeds a predefined time limit, then the corresponding station 1 seller is the data which show that the transaction was rejected, and an open transaction is erased from the memory 10 data transaction.

The procedure of the payment transaction according to the shape of the second variant of the method shown in Fig.5A and 5b in the form of tables, with each other in columns shows successive stages of the method in a separate system components: the mobile phone 2, the device 3 balance in station 1 of the seller.

The basic operations are reduced to that amount of money, ID station 1 of the seller and the infrared interface 6 identification code of the SIM card is read and transmitted to the device 3 balance. After checking the identification code of the seller and the identification code of the SIM card of the last sets on the basis of the identification code of the SIM card connection apparatus 2 and transmits the data issued from the phone which I transmitted to station 1 seller and these transactions are transmitted to the device 15 accounts.

In more detail, the method according to this form of execution is as follows.

As a device for implementing the method again can be used is schematically shown in Fig.1-3, whereby, however, the device 7 and 13 control in accordance with a modified method have other functions.

In station 1, the seller is reading subject to payment of a monetary amount, an identification code for the device 3 balance and the infrared interface 6 identification code of the mobile phone 2 and the record in memory. After establishing the data connection to the device 3 balance station identification code of the seller identification code of the mobile phone and the amount of money as the transaction data transmitted to the device making up the balance.

In the device balance data is received via the interface 9 for data connections. Identification code of the station of the seller and the SIM card are compared with the identification codes in the memory 11, data vendors and respectively in the memory 12 of the user data to determine whether the seller and use the data and the transaction is aborted. Otherwise, the data of the open transactions are recorded in the memory 10 data transaction. On the basis of the identification code of the SIM card connecting device balance to the mobile phone 2, and these transactions are transmitted to the mobile phone, where the data is exposed via mobile phone. If the connection cannot be established, then the transaction is aborted.

Information is required on confirmation via mobile phone 2, and the corresponding confirmation data is transmitted to the device 3 balance.

Device 3 balance aborts the transaction if the data confirm correspond to the deviation or if the answer is no.

Information confirmation and, if necessary, additional transaction information is transmitted to the station 1 of the seller, and the interrupt is passed as a deviation. Additionally it can also be transmitted together the reason for the rejection. Data transfer transaction is carried out as in the first method.

The procedure of the payment transaction according to the shape of the third variant of the method shown in Fig.6 in the form of a table, and under each other in columns p is odvedenia balance and in station 1 of the seller.

Basically, ID station 1 seller is introduced into the apparatus 2, a connection device 3 balance, and identification codes for station 1 of the seller and the SIM card and entered through the mobile phone 2 the amount of money transferred to the device 3 balance. After checking identification codes it sends at least the amount of money in the station of the seller and the relevant transaction data in the unit of accounting.

In more detail, the method according to this form of execution is as follows.

As a device for implementing the method again can be used is schematically shown in Fig.1-3, whereby, however, the device 7 and 13 control in accordance with a modified method have other functions. Primarily from the station 1 to the seller via an IR connection station identification code of the seller is passed to the phone and there is temporarily saved. Through phone 2 connects to the device 3 balance.

Through phone 2 payable amount of money is read, and an identification code for station 1 of the seller and the identification code of the SIM to the different vendors and the memory 13 of the user data, whether the right of access to the service station 1 seller and SIM card. If not, then the transaction is aborted, otherwise using the identification codes of the stations of the seller and the mobile phone or SIM memory data vendors and user data are defined account numbers, and these account numbers and the amount of money transmitted into the device 15 accounts.

Confirmed the amount of money is transmitted in station 1 of the seller.

Claims

1. The way of cashless payment transactions through the station (1) seller, characterized identification code of the station of the seller, mobile phone (2) with the SIM card, characterized identifies its identification code, and comparing the device (3), which contains a memory (10) of the data transaction device (11) check the sellers intended to verify identification codes of the stations of sellers with access, and a device (12) user testing designed to verify the identification code of the SIM card, have access, and which is associated with the device (15) the keeping of accounts, includes the stages: accounts payable of deinompi in comparing the device through a data connection, check permissions station of the seller using the device, check sellers, interruptions in the absence of access rights, otherwise the data records in the form of an open transaction in the memory transaction data comparing device, a connection from the mobile phone to the comparing device, the transmission station identification code of the seller and the identification code associated with the SIM card from the mobile phone to the comparing device, checking access rights of the SIM card by using the device user authentication, in the absence of access rights, interruptions, deletion of data open transaction from a memory transaction data and transmit relevant data to the station of the seller, otherwise, comparing the identification code of the seller transmitted from the mobile phone, with identification codes of the stations sellers for open transactions stored in the data memory transaction if no transaction with the same identification code station seller - interrupt, and when transaction with the same identification code station seller - data transactions on mobile phone, issuing transferred to this phone, data confirm in comparing the device information transfer confirmation in a station of the seller, the transaction was aborted, and erase transaction from a memory transaction data, if the data confirm correspond to the deviation, and data transactions from the memory transaction data and identification code of the mobile phone in the device accounting, and erase data transaction from the memory data transaction otherwise.

2. The method according to p. 1, characterized in that the station (1) the seller and the phone (2) have interfaces (6) for wireless data transmission from the station the seller to the phone, and before connection of the mobile radio communication with the comparing device (3) from the station to the seller through these interfaces for wireless data transmission is transmitted identification code of the station of the seller to the mobile phone, and the stored ID code when the connection can be transmitted to the comparing device.

3. The method according to p. 1, wherein the wireless interface is an infrared interface.

4. The method according to p. 1, wherein the wireless interface is a microwave interface.

Uchenie a predetermined time after the transmission of information from the station the seller to comparing the device.

6. The method according to p. 1, characterized in that station of the seller passed on comparing device or mobile phone additional data transaction.

7. The method according to p. 1, wherein, if one of the necessary connection cannot be established, then the transaction is interrupted, and in this case, the corresponding stored data open transaction erasing in the memory device (10) transaction data comparing device (3).

8. The method according to p. 1, characterized in that, if the station (1) the seller or a mobile phone (2) no connection was established, then take at least one additional attempt to establish this connection, and only then carry out the interruption.

9. The method according to p. 1, wherein, if one of the compounds has not been established, before terminating in the station (1) seller's or mobile radio telephone (2) display the appropriate message.

10. The method according to p. 1, characterized in that associated with the SIM card identification code represents her phone number.

11. The method according to any of paragraphs.1-10, characterized in that the identification code when the transmission device (15) accounts use data identificarsoluciones code is stored on the SIM card and identifies its identification code, moreover, during the data transmission between the mobile radio telephone (2) and comparing device (3) automatically transfer associated with the SIM card identification code.

13. The method according to any of paragraphs.1-10, characterized in that the identification code when the transmission device (15) accounts shall use the data, identifying appropriate account, and correlated with the SIM card identification code is stored on the SIM card and identifies its identification code, and when the data transmission between the mobile radio telephone (2) and comparing device (3) automatically transfer associated with the SIM card identification code.

14. The way of cashless payment transactions through the station (1) seller, characterized identification code of the station of the seller, mobile phone (2) with the SIM card and correlated with the SIM card identification code, and comparing the device (3), which contains a memory (10) of the data transaction device (11) check the sellers intended to verify identification codes of the stations of sellers with access, and a device (12) user authentication, designed to test ielephone number, to save related to your SIM card phone numbers, and which is associated with the device (15) the keeping of accounts, which includes the stages of: accounts payable cash amount and an identification code of the SIM card of the mobile phone in the station of the seller, the transmission station identification code of the seller identification code of the mobile phone and at least the currency amount in the comparing device with this identification code via data connections, checking access rights of the stations of the seller by comparison with the entries in the device checks sellers, checking access rights of the SIM card using the device check users interrupts in the absence of access rights, otherwise the data records in the form of an open transaction in the memory transaction data, read phone numbers from the device user authentication using the identification code when the identification code of the SIM card is not a telephone number, a connection from comparing the device to a mobile phone, data transfer transaction in a mobile phone, the data output by the mobile phone, information request confirmation of the transaction if the data confirm correspond to the deviation, send the confirmation and, if necessary, additional data transaction in a station of the seller, the transfer transaction data from a memory transaction data and identification code of the mobile phone in the device accounting, and erase data transaction from the memory data transaction.

15. The method according to p. 14, characterized in that the mobile radio telephone (2) and the station (1) the seller have interfaces for wireless data transmission, while before-mentioned step record is passed through the mentioned interfaces with a mobile phone (2) in the station (1) the seller identification code associated with the SIM card, to save the station in the seller.

16. The method according to p. 14, wherein the wireless interface is an infrared interface.

17. The method according to p. 14, wherein the wireless interface is a microwave interface.

18. The method according to p. 14, wherein the transaction is interrupted, if the confirmation is not sent within a predetermined time after the transmission of information from the station the seller to comparing the device.

19. The method according to p. 14, characterized in that stanakzai.

20. The method according to p. 14, wherein, if one of the necessary connection cannot be established, then the transaction is interrupted, and in this case, the corresponding stored data open transaction erasing in the memory device (10) transaction data comparing device (3).

21. The method according to p. 14, wherein, if the station (1) the seller or a mobile phone (2) no connection was established, then take at least one additional attempt to establish this connection, and only then carry out the interruption.

22. The method according to p. 14, wherein, if one of the compounds has not been established, before terminating in the station (1) seller's or mobile radio telephone (2) display the appropriate message.

23. The method according to p. 14, characterized in that associated with the SIM card identification code represents her phone number.

24. The method according to any of paragraphs.14-23, characterized in that the identification code when the transmission device (15) accounts shall use the data, identifying appropriate account.

25. The method according to any of paragraphs.14-23, characterized in that associated with the SIM card identification code is stored on the SIM card and the comparing device (3) automatically transfer associated with the SIM card identification code.

26. The method according to any of paragraphs.14-23, characterized in that the identification code when the transmission device (15) accounts shall use the data, identifying appropriate account, and correlated with the SIM card identification code is stored on the SIM card and identifies its identification code, and when the data transmission between the mobile radio telephone (2) and comparing device (3) automatically transfer associated with the SIM card identification code.

27. The system for implementing the method according to p. 1, containing the station (1) seller, characterized identification code of the station of the seller, mobile phone (2) with the SIM card and identification code characterizing the SIM card comparing device (3), which contains a memory (10) of the data transaction device (11) check the sellers intended to verify identification codes of the stations of sellers with access, and a device (12) user testing designed to verify the identification code of the SIM card, have access, and which is associated with the device (15) accounts, and the station (1) the seller holds the input device and output (4, 5) data and a device (8) to set the inhabitants of the interface device (9) for data connections with stations of the sellers, the device (14) interface for connection of mobile radiotelephone communication and a device (13) control, which after a connection is established from the station the seller to the interface device (9) for data connections with stations of the sellers, the data transaction from the station to the seller and receive data transactions through the device interface (9) for connections with stations of the sellers, using accepted data transaction checks the access right of the station of the seller using the device (11) verification of sellers and in the absence of access rights shall interrupt, otherwise makes a transmitted transaction data in a memory (10) data transaction when the connection from a mobile phone (2) to the interface device (14) for connection of mobile radiotelephone communication control device receives via the device interface (14) for connection radiotelephone communication identification code of the SIM card, checks the access right of the SIM card using the device (12) user authentication, and in the absence of access rights shall interrupt, otherwise the control unit compares the identification code of the station of the seller records eredet through the interface device (14) for connection of mobile radiotelephone communication found transaction data on a mobile phone, and, it transmits a request for confirmation, confirmation data, the control unit receives through the interface device (14) for connection of mobile radiotelephone communication, interprets them as accepted or rejected, passes through the interface device (9) to the station of the seller's information is confirmed, and if the reception transmits transaction data and identification code of the mobile radiotelephone device accounts.

28. The system under item 27, wherein the comparing device (3) contains a device (12) user authentication, in which there is an identification code of the respective mobile phone and assigned an account number in the device accounts, and the control device, based on the information in the device user authentication, transmits to the device to maintain accounts as the identification code of the mobile phone account number corresponding to the aforementioned identification code.

29. System according to any one of paragraphs.27 and 28, characterized in that the comparing device (3) contains a device (11) check the sellers, which has a station identification code of the seller and associated with her account number in the led device is a device to maintain accounts as station identification code of the seller account number, corresponding to the aforementioned identification code.

30. The system for implementing the method according to p. 14, containing the station (1) seller, characterized identification code of the station of the seller, mobile phone (2) with the SIM card and identification code characterizing the SIM card comparing device (3), which contains a memory (10) of the data transaction device (11) check the sellers intended to verify identification codes of the stations of sellers with access, and a device (12) user testing designed to verify identification codes and, if the identification code is not a phone number save phone numbers to your SIM card, have access, and which is associated with the device (15) the keeping of accounts, and the station (1) the seller holds the input device and output (4, 5) data and a device (8) to establish a data connection with a comparing device (3) comparing the device (3) further comprises an interface device (9) for data connections to the stations of the sellers, the device (14) interface for connection of mobile radiotelephone communication and a device (13) management after the connection is established and forward dannevirke sellers and the right SIM card to use the device, user authentication, and in the absence of access rights shall interrupt, otherwise contributes data to be transmitted transaction in the memory transaction data, the control unit sets through the device interface for connection of mobile radiotelephone communication connection respectively contained in the data transaction identification code for mobile phone, transmits transaction data to the mobile phone and transmits to him the confirmation request, and receives confirmation data through an interface device for connection of mobile radiotelephone communication, interprets them as accepted or rejected, passes through the device interface for connecting the data transfer to the station of the seller information confirmation and when receiving passes transaction data and identification code of the mobile radiotelephone device accounts.

31. The system under item 30, wherein the comparing device (3) contains a device (12) user authentication, in which there is an identification code of the respective mobile phone and assigned an account number in the device accounts, and the control device, based on the information in the device carrying the phone number of the account corresponding to the aforementioned identification code.

32. System according to any one of paragraphs.30 and 31, characterized in that the comparing device (3) contains a device (11) check the sellers, which has a station identification code of the seller and associated with her account number in the device accounts, and the control device, based on the information in the device, check sellers, and passes them to the device to maintain accounts as station identification code of the seller account number corresponding to the aforementioned identification code.



 

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FIELD: formation of payment documents.

SUBSTANCE: the information meaningful for the payment document is introduced in the computer of the financial settlements and check-out center, the payment document is formed in the form a text and the first dot-and-dash code line and introduced in the electronic data base, the document is displayed for payment to the payer, the payer introduces the information on the quantity of consumed resources and the sum of payments to the document according to the acting tariff rates, these data are introduced in the cash register of the payment reception center with the date of payment, types and sums of payments, these data and the second dot-and-dash code line with these data on the document are represented by means of the cash register, it is sent to the financial settlements and check-out center, the first and second dot-and-dash code lines are read out, the information is compared with the electronic base, entered together with the information on reception of the payment in its electronic data base.

EFFECT: automated formation of documents with due account made for payments determined by the floor space, quantity of people living there and the quantity of the consumed resources.

8 cl, 1 dwg

FIELD: measurement technology.

SUBSTANCE: method can be used for criminal and official inquires of road accidents. Method is based upon measurement of speed of pedestrian and calculation its arithmetical mean. Method differs from known ones, as speed of motion is measured experimentally 10 to 30 times with three different pedestrians having like age and physical condition as victim of run-over. Results are processed as small sample by using central deviations and those deviations are used to determine average meaning of speed of motion, standard deviation, error and truth of the average mean. Upon finding truth of average mean the necessary number of trials is calculated which number has to be compared with real number of trials. Additional trials are conducted if necessary. Factor of truth of experimental data is calculated from speeds of motion of pedestrians taking part in experiment. Probability and factor of confidence is determined accordingly to speed of motion of injured person and speeds of motion of pedestrians involved into experiment, as well as according to truth of preset limit values of this parameter. If values of preset factors correspond to legitimate values or limits admitted for investigation of road accidents, statistically true minimal and maximal values of speed of motion of injured pedestrian are calculated on the base of normal distribution law by means of subtraction the speed from its average value and addition of product of factor of confidence with standard deviation. Limit values of speed of motion of injured pedestrian are presented for forensic examination to make calculations determining availability or lack of availability of prevention of run-over. For this purpose the statistically truthful minimal and maximal values of speed of motion of injured pedestrian should be calculated in relation to accessible values or limits of probability which is higher than 0,95 and if confidence with speed of motion of injured pedestrian and pedestrians involved into experiment correspond to each other. Preset precision of pedestrian's speed of motion should be within limits of +-0,5 km/hour.

EFFECT: improved precision of measurement; higher probability of prevention of road accident.

2cl, 2 tbl

FIELD: computer science; finance.

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10 cl, 3 dwg

FIELD: cashless payment technologies.

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EFFECT: higher reliability.

2 cl, 2 ex

FIELD: operative manufacture planning.

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EFFECT: higher efficiency.

1 dwg

FIELD: railway transport; signaling and communication.

SUBSTANCE: proposed group of invention relates to railway automatic controls and is designed for shunting of electric trains and complies with specific requirements to monorail transport system. Electric depot of monorail transport system consists of outer and inner parking tracks for electric trains before entrance and exit gates and inside depot and also transborder. Control line contains digital computer complex connected by communication lines with stationary and mobile control objects outside and inside depot and furnished with subscriber devices and transmit-receive antenna distributed along parking tracks and make in form of radio radiating cables, and stationary and mobile control objects state pickups, stationary and mobile devices generating control signals and system to determine position of electric trains. Stationary control objects are assembled into device representing mimic diagram of depot, alarm bell drive, gate and transborder drives, light signals. Mobile control objects are grouped in electric trains, on parking tracks outside and inside depot and on transborder. Stationary devices for generating control signals are grouped in workstations with stationary control panels, and mobile control signal generating devices, in carry-on remote control panels of depot operator on duty and control cabin of electric train. Stationary control objects, state pickups found of said objects, workstations and system to determine position of electric train are connected with computer complex by wire and/or wireless communication lines by means of access units, and mobile control objects are connected with computer complex by wireless communication lines through access units. Method to control shunting operations in electric depot of monorail transport system includes three steps: receiving of electric train at depot from route of monorail transport system, departing of electric train from depot to route of monorail transport system and re-positioning of electric train inside depot. Depot dispatcher, operator on duty and electric train driver are engaged in said operations.

EFFECT: improved shunting in depot of monorail transport system owing to optimization of control.

14 cl, 3 dwg

FIELD: lotteries, etc.

SUBSTANCE: in the method gamer with payment gaming terminal according to rules announced by organizers forms a gaming field, processing center checks coincidence of formed field to accounted gaming fields for current lottery, in case of absence of current field it is assigned account and identification data, which are included into database for realized lottery tickets, and in opposite case gamers receives command to form another gaming field.

EFFECT: broader functional capabilities.

2 cl, 2 dwg

FIELD: ATMs.

SUBSTANCE: device has storage for storing banknotes and dispensing gear. Said gear has gear 654 for placing in a stack. Stack gear provides placement of banknotes in form of stack of for example banknotes meant for dispensing from ATM to client, after that stack is given to client from ATM. Stack gear has element 668 serving as support for stack, flexible element 692 and distanced support elements 694. In case of rotation of element serving as support or stack, in first direction of rotation banknotes are engaged with element, serving as support for stack, their holding therein is provided for. After collection of stack element serving as support for stack is rotated in opposite rotation direction, to extract stack from stack gear.

EFFECT: higher efficiency.

2 cl, 68 dwg

FIELD: ATMs.

SUBSTANCE: methods for inputting data into ATM include following steps: forming an input signal when function key or auxiliary keyboard key is pressed at ATM panel, at the same time data inputted into ATM are assigned to pressed key, conversion of input signal from key to input signal, matching coordinate data of point of a point on screen of ATM, previously matched with pressed key, redirection of coordinate data input signal into computer data flow, meant for data input from mouse. Method for data input may have additional steps: forming of signal by pressing key of auxiliary keyboard, conversion of input signal from auxiliary keyboard key to input signal, matching key on standard letter-digit keyboard, previously matched with pressed key; redirection of received input into data flow of computer, meant for inputting data from standard keyboard. ATMs have computer and at least one device for performing financial operations in response to data input in computer, performed in accordance to methods for inputting data into ATM. Devices for storing software have software, providing for control of ATM in accordance to methods for inputting data in ATM.

EFFECT: higher efficiency.

6 cl

FIELD: advertisement.

SUBSTANCE: method includes, before transfer of combined video and audio signal from remote center to multiple control servers, selection of blocks of video and audio information about goods, in remote center, which goods are present in trading location, where appropriate control server is positioned, and playback is performed continuously on each display by means of respective controls server, at least portion of selected blocks of video and audio information about advertised goods is played, which are appropriate for goods present in trading location, wherein appropriate controlling server is located and matching display, after that analysis of blocks of video and audio information indicated on displays, is performed, and report information is formed.

EFFECT: higher efficiency.

2 cl, 1 dwg

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