Method for performing cashless financial operations and system for its realization

FIELD: cashless payment technologies.

SUBSTANCE: in method client opens a pay account, picks needed products and/or services, in seller block an order is formed. When client confirms payment, selected products and/or services are reserved and information about order is sent to processing center, where order is registered, assigned an identifier including order information and transferred to seller block. Client connects via cell phone to processing center, where phone is identified. Then client inputs his PIN-code in current system for personalization, after positive result client transmits order identifier. After receiving the latter, during given time, processing center identifies order identifier, checks paying capacity of client, transfers necessary sum to pay account of trading organization.

EFFECT: higher reliability.

2 cl, 2 ex

 

The invention relates to the field of computer technology, in particular, to its use for payment transactions in the financial systems of non-cash payments, specifically to methods and systems for cashless payments using transfer information using wireless communications, and can be used for the sale of goods, provision of services, in particular, on the Internet, and to obtain cash at ATMs.

Known methods and apparatus (systems) to ensure non-cash financial transactions mainly use different types of cards (cards) and contain nodes of reading cards or use to identify the user biometric data of the client, which requires the device to obtain and process these data, which significantly increases the cost and complexity of implementing such systems, and does not provide reliable protection of the transmitted confidential information. The transmission of information about the manufactured financial transactions can be performed using as stationary devices wired and wireless communications devices.

The known method of payment with the terminal equipment of the mobile telephone station [1], is associated with the phone card that allows the user to make a phone call. Method pre who sees the connection with the mobile station, through which access is provided to the service provider, in this case, based on the user data contained in the SIM card, reserve equipment, and by putting this card in the card reader GSM terminal enter the identification number of the card in the terminal equipment, carry out the communication terminal GSM-network GSM-network after confirming the entered identification number, select the sender's transaction service provider, give the amount to pay, acknowledge it, accept payment, ascribe (to him) identification number, give the escrow account to the customer, record the transaction in the terminal of the seller and pay system, tax time communication over the phone and interrupt the connection. For the personification of the user can be used And the number of the user. As the terminal while banking using the telephone, you can use the standard GSM-phone terminal of the seller), and the use of Bank data processing - microcomputer and service banking program associated with a GSM phone.

This method increases the protection against illegal and criminal use of telecommunications services, resolves the issue of taxation of costs of telecommunications operations in the card, providing the et of the payment transaction in the on-line mode.

Disadvantages: the use of the service card GSM (SIM card containing the SIM device)that requires a powerful encryption software to encrypt your credit card number, PIN cards, as well as insufficiently reliable protection from unauthorized use, because at first make the user identification and the selection of services and payment - after some time, which may be sufficient for "hacking" the system, moreover, is only a local, one-time user authentication using a PIN code of the SIM card, and input to personify A-number is a constant and can be known to a third party.

The method is similar in the payment system [1], containing the network to communicate through the switch-node and node management services in accordance with service provided to the subscriber, controls, and controls for access to the service provider terminal equipment of the mobile station, the identification block of the subscriber with the ability to communicate with terminal equipment and containing identification data of the subscriber and data, ensuring the secrecy of the radio, read in the terminal equipment for use by mobile stations operating with cards, the base station connected with the mobile station, the controller bases the howling station to control one or multiple base stations, through which communication with the mobile station for communication between the telephone network and mobile station.

This system allows a certain degree to ensure requirements for effective data protection in the banking and applied pay systems due to the fact that communication is performed by connecting the mobile station to the selected network, which prevents illegal use of the services.

The disadvantages of this system: the need for complex equipment for use GSM card, additional communication channel the seller to the Bank and the use of a single, for serial communications user with the channel provider, and highlighted that increases the cost of such a system, apart from the fact that the use of cards is not a reliable option for protection against unauthorized use.

The known method [2], is used as a prototype by which a client with a personal wireless communication terminal client - TC (e.g., cell phone), enters into a contract with a Bank or credit institution (BKU) account for service payment transactions in the payment system, which also includes processing center (ETC), institutions, trade and services (with terminal PR is the seller TP) and the operator of a wireless communication line. These participants in 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 in the TA generates a request to the processing center: data on purchased the product (service), price, quantity, etc. of the Client communicates with the processing center using a personal wireless communication devices, the identification block is determined by the individual number of personal wireless communication devices of the client, verifies its identity to the client that is serviced by this unit identification, and further connected to additional unit transmits the unique identifier of the client communication device to the processing center, where it is determined whether used wireless communication 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 signal to be sent an invitation to enter your PIN, then the customer for his personification of gaining the PIN issued to him when you register as a member of this payment system, on the PIN keypad of the seller or, preferably, on the keyboard is re their personal communication devices. After receiving confirmation on the passage of a PIN of the processing center customer places included personal wireless communication terminal of the seller to contact (acoustic or electric) and further data about the performed payment transaction. When the seller of the program data by the Central processor data about goods, payment amount, ID number of the terminal of the seller, previously imposed by the seller are transferred to the processing center. Processing center performs the processing of the received information using BKU, which includes the account of the customer, pays for the goods and/or services and created using TC channel of communication between him and TA (device I / o) passes the result of the operation, which is displayed on the output report device TA and recorded media, such as printed. The seller provides the customer with a receipt and paid for the goods (provided services).

The method allows to increase the security of cashless payments through the use of a dedicated communication channel, and to reduce the cost of payment transactions, because it uses already existing line and wireless operators, wireless communication devices, and device I / o information in paragraphs of products and goods (services), and the required changes concern the introduction of well-known and not very complex software.

The disadvantages of the prototype method: attachment transmission of the order information (the selected product or service, the payment amount, identification number of the terminal of the seller and so on) to communication channel client (buyer), which can be an expensive operation for the client due to prolonged use of a dedicated channel, as well as the insufficient elimination of the possibility of illegal use of electronic services because only two of their security.

To implement the method of the prototype system was established for conducting cashless financial transactions [2].

The system solves the problem of reducing the cost of equipment, cashless financial transactions and enhance protection of transmitted data from unauthorized use.

System, cashless financial transactions includes at least one device input / output information containing at least the keyboard to enter data produced by the operation, a keyboard 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 storage identification the x data of the seller, data produced by the operation of forming the request to the processing center and providing 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 communication, signal transmission in the network of banks and credit institutions through consistently located and connected between the second modem and the processor that handles each incoming query that generates the response for the device I / o and provides network management of banking and credit institutions, and the said wireless communication device is personal wireless communication 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 the additional unit, providing the definition of the signal of the call processing center and the transfer of an identification code of the personal wireless device is Noah client communication to the processing center, connected to a second modem.

The host I / o information may consist of personal computer and mobile phone client, and the computer connected through the Internet with the seller of goods and services, with appropriate software to transfer the identity of the seller, data operations performed via the Internet in your computer and play them in the form of modulated sound radiation. This provides a convenient for the client, a fast and reliable option of making payments via the Internet.

System for cashless payments provides increased protection of the transmitted information about the payment and cheaper used for payments equipment due to the lack of the need to use expensive means of reading the cards, and the cards, transfer function identification from input-output information to the unit identification, in the form of already existing unit personal identification device wireless client (for example, an incoming cellular operator, when communicating via cell phone) and the adoption of a separate communication channel for each client, using data reliable security honeycomb is the first operator, moreover, the complexity of reading information for unauthorized use as input, and when the transmission increases dramatically. Use of personal funds wireless clients (e.g., cellular phones), it is convenient and profitable for the customers, and sellers of goods and services, and organizers throughout the network of non-cash payments, as it does not require large financial expenditures, ensuring speed and high reliability of our financial transactions.

The equipment of the selling points of products and services significantly reduced the price, since the terminals for input / output of information with a simpler (and cheaper) nodes. Retrofitting existing in those paragraphs terminal or new equipment is simple and inexpensive, requires no special special training or create complex new devices. The speed of transactions also increased by the procedure of identification of the client mobile operator connected to the identification block for block. Using, for example, a mobile cellular phone as a personal device wireless client allows you to use the existing infrastructure of the cellular network, which significantly reduces the cost of the equipment and extends the range of users of the system.

Disadvantages si is theme of the prototype: requires yet additional conversion of terminal vendors possible unauthorized use of the system due to the unchanged code as the wireless client, and the client identification and personification).

The proposed method of conducting a cashless financial transactions and system for its implementation to solve the problem of increasing the reliability of the protection of transmitted data from unauthorized use and reduce the cost of making a payment transaction.

Problems are solved by a method of conducting a cashless financial transactions, which are created on the basis of the contractual relationship between the at least one institution of trade and/or services that has at least one block of the seller, is connected to the terminal of the seller, at least one Bank-credit institution and the customers who have mobile phones, system, cashless financial transactions for payment to be purchased by the customer of the goods and/or services provided by the institution of trade and/or services, the client opens at least one Bank account in a banking and lending institution, selects the terminal the seller need the goods and/or services, then in block seller's cart, containing information about these products and/or services and their cost, this information is displayed on the terminal selling is and offer to make a payment using a mobile cell phone of the client and, after confirmation by the client on the terminal of the seller's decision on such payment, a unit of the seller reserves the selected goods and/or services and using the selected communication channel transmits information about the order in participating in this payment system processing center, where check order form and assign it a unique order identifier, included in the order information and sending it to the block of the seller, which displays it on the terminal of the seller to inform the client, then the client makes a connection to your mobile cell phone using the mobile operator serving the telecommunications network to the processor, identifies the mobile cell phone client and when the result is positive, the customer is prompted to enter the PIN assigned to it as part of the contractual relationship in this system for its personification, after a positive result of the introduction of which, received by the client on the mobile phone, the client immediately sends via mobile cell phone displayed on the terminal of the seller unique identifier of the order, the receipt of which is in a period of time sufficient for the above, since the display of individual order ID Ter is the Inal seller, operations processing center terminates the communication with the client and transmits the information about the termination of the manufacture of a financial transaction in the block of the seller, and subject to timely receipt of the unique identifier of the order processing center transmits a receipt confirmation to the mobile cell phone of the client and compares the unique identifier of the order that he formed, with an individual order ID received from the mobile cell phone of the client, in case of positive result of which the processing center checks the possibility of payment with the customer's current account in the Bank-a credit institution and, if positive result, banking and credit institution performs the transfer of the required amount to the account of the institution of trade and/or services and informs the processing center, which transmits the information in the block of the seller with the corresponding terminal of the seller, followed by delivery of customer fiscal documents of the performed payment transactions and vacation paid for goods and/or services.

Problems are solved also by the fact that the system of cashless financial transactions created on the basis of the contractual relationship between the at least one banking institution, at least one institution trades the influence and/or services and customers, contains at least one block of the seller in the form of a hardware-software complex made with the possibility of ordering and redundancy provided by the institution of trade and/or services of the goods and/or services, linking with the establishment of the trade and/or services and at least one processing center, made in the form of a hardware-software complex with the possibility of the formation of individual identity of each order of goods and/or services, management of current accounts in banking and lending institution, receiving and processing information from the block of the seller, not less than one United unit of the seller terminal of the seller, having at least a means for entering information about the operation being carried and transmitted in the unit of the seller and means for receiving from a block of the seller and display information about the progress of the operation, also contains at least one terminal of the client in the form of his personal cell phone serviced by the respective cellular network operator of the telecommunications network, at least one of the identification block made with the possibility of surgery identification of the client terminal and connected to the cellular operator and a processor, the terminal client is able to connect through the th cell of the telecommunication network from the processing center, with the connectivity unit vendor using the selected communication channel.

The proposed method includes the new operations: formation in the processing center (cont'd) a unique order identifier (SIS), which belongs only to this order, transfer it from the POR block of the seller (BP) and terminal (TA) on any selected participants in the payment system communication channel, including an open channel, and with the TS client, who learned SIS with TP and confirming their affiliation to the members of the payment system, on the other, a dedicated communication channel, using a personal cell phone transmits SIS on this private channel communication in PR, where the comparison between the generated SIS received from the client and process the payment order according to the results of the said comparison.

The formation of SIS, the availability of information about it only in the process of conducting the financial operations, transfer of non-confidential information using open - accessible and affordable, and confidential information about ongoing financial operations - dedicated private communication channel, and a limited time, you can improve the security of these operations at the same time reduce the cost of their implementation.

System conducted for the I non-cash financial transactions based on the introduction to improve the reliability and security of financial transactions (and cheaper system) - in addition to the identification of the mobile cell phone of the client (client terminal TC) and the personification of the client, the funds in the processing center (ETC), for the formation of additional special identifier of the payment transaction in the form of unique identifier for each order (SIS), which is known only to process the payment transaction, as well as on the division of communication channels so that some of them, namely the communication channels AVE unit of the seller (BP) and banking and credit institution (BKU)can be anything , including a widely used open budget channels and channel TC with PR is dedicated private channel. The absence associated with a block of the seller (BP) terminal of the seller (TA) special devices for making a payment transaction (as in the prototype, for example, the node to connect the wireless client to the first modem for communication with the processing center also allows you to reduce the cost of equipment for carrying out financial transactions.

The proposed system is depicted in the block diagram in the drawing, where

1 is a block seller (BP);

2 - terminal of the seller (TA);

3 - processing center (PR);

5 - terminal client (TC);

6 - cell operator (CO);

7 is a block identification (BI).

BP 1 is associated with TP 2 (or multiple TA) using communication channels that can be selected by the institution of trade and/or services (if its internal channels), and can be chosen by agreement between the participants of this payment system. BP 1, and PR 3 are interconnected with selected participants in the payment system under the contract of the communication channel. PR 3 associated with BKU 4 using any communication channel, although the reliability of this may be a dedicated channel. The processing center may be an independent participant of the payment system and to enter into contractual relations, and then the channel of communication between him and BKU is determined on the basis of the contract, or it may belong BKU (which happens often), and then the communication channel will be internal channel BKU. TC 5 associated with PR 3 using a dedicated line provided WITH 6 of the telecommunications network associated with BI 7.

Terminal client (TC) - mobile cell phone - is a means of identifying and belongs to the client-participant non-cash financial transactions (buyer). He may be a mobile phone of any standard, such as GSM, the Nokia 3310. Function identify the client executes in this case, the cell is the operator (CO), servicing a customer of a telecommunication network, its internal funds when dialing connection with processing center (ETC). The identification block (BI), which may reside in the unit, or PR, is a software and hardware system that performs automatic number identification and/or definition ID of the device - mobile cell phone client. Being part of the CO, BI forms the outer, type, identification code used cell phone client and transmits it to the PR for the beginning of the financial transaction. This FROM must be a member of contractual relations in this payment system, since the identification of participating in the terminal client in this case is a function WITH. Being part of the PR, BI determines the number and/or ID of the incoming TC, ETC uses this room for further financial transaction. This can be enabled terminals of clients WITH different (for example, MTS, HANDICAP and others). Creating using TC and mobile operator (used devices from the wireless network, a private line of communication that is unique to your phone, allows you to entrust TC functions personification of the client, provide the ay enter the PIN code on the keyboard of the LC after connecting to the processing center. Block of the seller (BP) represents, for example, the local network server a big shop with installed operating system, database and server software, and can be in the store, in any organization or institution trade and/or services), which provides trade and/or services that have, for example, storage warehouses and other Terminal of the seller TP with input and display information (such as a computer with standard software, monitor, printer) may be placed in the block of the seller, or separately at the point of sale or organization providing services, in case the online store is used by the client to conduct the payment transaction computer software, displayed through this computer with monitor and printer, in the case of ATM - in the case of ATM. Terminal of the seller must provide the introduction by the seller (or the client) types and amounts of transactions and save them to transfer to PSU and then to the processor, receiving and processing a response from BP, displaying SIS and information about the accepted order, displaying the results of the operation and fixing, for example, for a hard copy of these results (for example, checks printed by the printer). The processing center may be the ü made in the form of specialized software, installed on the server associated with the local network of banking institutions, enables you to remotely manage their accounts of the client. It usually is located outside outlets. Selected participants in the payment system (RPS and BKU) lines, which provide communications between the block of the seller and the terminal of the seller, between the seller and processing center, can be in the form of any open lines, such as conventional telephone lines for General use, between the processing center and BKU, mostly for security in the form of a dedicated channel (not necessarily)between the client terminal TC and processing center in the form of a dedicated channel mobile operator serving the TC.

The proposed method is carried out using the proposed system as follows.

Client, buyer), opened a Bank account in BKU 4 and zaregistrirovatsya money to get a personal PIN code, selects a product (or service), the list of which is displayed on the TP 2, or otherwise at the point of sale of the goods and/or services, and TA 2 the seller or the client (depending on the type of system and conditions of payment and trade) introduces a tool for inputting information about the product, its price, form of payment in the form of payment using your cell phone the cell phone of the client (terminal client TC 5) and, if necessary, details of the seller (for example, the identification number of the TA). This information is displayed on the TP 2, and selected institution trade and/or services or, by agreement, participants in the payment system) is transmitted from the TA 2 PSU 1 where recorded order, reserve the selected product and also on the selected communication channel to transmit information about the order in PR 3. PR 3 after receiving information forms SIS of this order and on the same communication channel transmits it together with the order information on BP 1, which registers SIS and together with information about the order passes on TP 2 for a message to the client with a tool to display information. The client then enters on the keyboard TC 5 room processing center PR 3 and cellular operator WITH 6 creates a dedicated communication channel with PR 3. Using the identification block BI 7 when creating a connection is identified by a used TC 5. In the processing center AVE 3 using hardware and software determined the registration used TC 5 as a participant in the payment system and the signal is transmitted to the introduction of the customer PIN. Client types on the keyboard TC 5 PIN issued to him under the Desk in the payment system, and after receiving confirmation of his belonging to the participants of the payment system from PR 3 in the form of a voice message to ant transmits the unique ID for this order in PR 3 TC 5. In PR 3 compares formed by him, and received from TC 5 unique identifiers of order (SIS) and, when they match, PR 3 associated with BKU 4, determined by the presence of the customer account is required to order payment of funds and payment is made by transfer of funds from the customer's account to the account of the institution of trade and/or services and payment notification in BP 1 TP 2. The result financial transactions after processing in PR 3 is displayed on the TP 2 on the display device information, such as a display and/or printed, or sold by the selling point breaks cashier's check and then gives the goods to the customer, etc.

Example 1.

The online store.

Structure and participants of the payment system with the Internet store.

Banking and credit institution (BKU) - member of payment system of the Bank where the account of the Client. Processing center (ETC) provides the control unit with the customer's Bank account, usually owned by the Bank, such as a server in the network of the Bank has the ability to manage the current account of the client (based on contracts), for example, using “Client-Bank”connected to the Internet, for example, by using a dedicated channel, with appropriate software, providing a reliable connection to the Internet-shop, for example, TCP/IP, with blackwash with the client, for example, consisting of a cellular module with a SIM card with a number of the specific mobile operator, for example, MegaFon, with the software providing the client connection with the POR, offering a specific scenario with voice suggestions to the Client to perform a particular action on his cell phone, and, for example, having the ability to determine the telephone number from which a call by the Client, to convert received from the Client a sequence of DTMF signals corresponding sequence of characters, with software, for example, a database containing data about the participants of the payment system (customer identification data - PIN-codes-party payment system, the parameters of the SIM card, the control parameters calculated by the client's Bank account and so on; on the store identification data, such as store number, Internet address, and information about current accounts store etc), keeping all the data on the ongoing operations orders and settlement accounts, special software that generates a unique order ID (SIS) and having the ability to compare among assigned to a specific order and sent to the online store, from among received from the Client on the channel cell of St. the zi, and based on the comparison giving the command to the program management account of the Customer with the Bank. The establishment of a trade and/or services (RPS) - member of payment system, the seller, for example, have in stock any product that has the ability to deliver the goods to the Customer by courier, having a Bank account in any Bank, such as in the same as the Client (but can be any other)with a standard computer software, software installed, such as “1-With the Enterprise, enabling real-time generate orders, to be reserved manufactured in the block seller transactions goods, to control the quantity and range of goods in the warehouse, with its virtual representation in a global network the Internet in the form of online store. Online store (block seller) - special server software installed on one server in the Internet-driven institution trade and/or services, able to provide the Client, for example, via the Internet information provided for the purchase of the goods, their value is loaded in the computer used by the Client, www-page, allowing you to create an order, containing a list of the quantity and value of goods that the Customer is ready to purchase with p the power of the payment through the payment system, and to reserve the goods at the time of the payment, and PR for the formation of SIS, having the ability to get from PR SIS and transmit it to the terminal of the seller, presented in the form of web pages on the computer (monitor, printer)used by the client, for example belonging to the client, or, for example, the computer in the computer club and the like, in addition, to the terminal of the seller there are tools that create a hard copy of the generated order with SIS (for further goods delivered by courier). The client - participant of the payment system, the customer - an individual who has a Bank account, the participant of the payment system, have contractual obligations with other participants of the payment system in his service, having a cell phone, such as Nokia 3310, with the SIM card connected to any mobile carrier, such as MegaFon, with funds in the account, allowing users to make calls, have access to a computer (TA) with access to the Internet, for example, by the session access by modem, set, standard software (e.g. operating system Windows XP, Internet Explorer 6.0), allowing you to connect to the server that contains the software of the online store (BP), and correctly display the www page of the online store, have the speaker is also the possibility of creating a hard copy of the order with SIS for receiving the goods from the courier, for example, a computer printer, such as Canon S200 with installed drivers. The Client terminal is a cell phone that belongs to the client. Mobile operator - organization with hardware and software that allows you to organize mobile connection via cellular communications of a particular standard, such as GSM, MegaFon, is connected to the SIM card (and also, if there is an agreement of the participants of the payment system, SIM card ETC), creating in the moment of the call to the processing center protected dedicated voice connection (communication channel between TC and PR), also having the ability to identify hardware (in the case of a contractual participation in the payment system) and to screen calls made to numbers and with telephone devices not owned by the participants of the payment system. Mobile operator may not participate as a participant of the payment system, then use only the standard services for mobile communications (this may also be, for example, if the Client and the SIM card is connected to another cellular operator, such as MTS or other). The communication channels between TP, BP, PR - connection through the Internet, fixed (dedicated channels) or temporary (session access provided by Internet service providers to ensure the standard features of the connection and transmission of information on the Internet, for example, using modems.

The purchase of goods via the Internet store.

The client, using the computer when connected to Internet, is gaining in the address bar of your Internet browser, such as Internet Explorer 6.0, the address of the online store, connects to the server, where the software of the online store and gets on the monitor image of the www-pages of the online store with the list of goods, such as books, available at the store that can be purchased, with description and price. The customer selects the product (books)that he wants to buy. Software online store order forms, containing a list of selected products (books), their rates and the cost of the entire order, offering the Customer to purchase the goods with payment by mobile phone. If the Client refuses, the order will be cancelled. If the Client agrees, having made appropriate action (such as clicking with the mouse on the button), the software of the online store reserves the goods at the time of the payment (for example, through the program “1-the Company”), and sends the generated order in PR, where is recorded in the database received the order, is formed, for example, by using a random number generator, a unique ID of the order (SIS), consisting of the unique is th random set of characters (for example, 20 digits)is stored with the received order and sent to the online store. Software Internet-store displays received from the Processing center SIS in the www-page on the computer monitor used by the Client and provides the Client to connect using a cell phone with number Processing center (ETC) and send SIS in PR. The client is using their cell phone connects to the room ETC. Special software PR identifies the received call matches the number from which a call recorded in the database of the cellular phone numbers customers - participants of this payment system. If the ID (telephone number, ID, phone etc) do not match those registered in the database PR-connection is not made. If the same connection and special software ETC (for example, “Avtopromsborka”), according to a predetermined scenario, invites the Customer to enter on the keyboard assigned to it under the contract for the servicing of the payment system and known only to the Client PIN code (for example, a sequence of up to 7 digits). The client on the cell phone keypad enters a sequence of digits PIN code (the input sequence is transmitted as a sequence of standard audible DTMF tones). PR through the special program decodes the transmitted signals into a sequence of numbers, and verifies that the received sequence recorded in the database corresponding to this Client (already defined in the primary hardware identification). If not connection is broken, and when coincidence is transmitted voice prompt to enter on the keyboard displayed on the computer monitor www-page of the online store SIS. The customer enters, reading from the monitor, SIS on the keypad of your cell phone. The input sequence is passed to PR in a sequence of standard audio DTMF signals. The received sequence is decoded into a sequence of digits and compared with the sequence stored in the database ETC in the form of SIS in this specific order. In the case of a partial mismatch PR through a special program invites you to re-enter SIS. In case of a mismatch is reported that payment will not be made. The coincidence PR through the mentioned special program indicates acceptance of the entered sequence of digits. PR received a coincidence SIS sent in online store and SIS received from a particular Client, identifies a previously saved order from a particular Customer is om. PR checks on the client's account in the Bank sufficient funds to pay for this order, and in case of their failure reports in the online store about the impossibility of payment that is displayed accordingly on the page of the online store on the computer used by the Client, and shall be invited to correct the order of goods. If there are sufficient funds in the customer's account PR generates the instruction to the Bank to transfer money from the customer's account to the account of the institution of trade and/or service (RTS) in the amount of the ordered goods with payment of the required taxes and the cost of services for the Client. After the money transfer from the customer's account to the account of the RIE, the Bank shall inform the PR of the operation. PR sends confirmation in BP (Internet server), according to previously agreed time and the address of delivery. In addition, PR informs the Client about the payment via voice messages to a cell phone or through SMS messages, as well as through the online store or through E-mail for the transmission of the form of delivery of the goods, which the Customer can print out using your printer. The goods are delivered by courier or handed in store upon presentation of the form of the delivery and the presentation of an ID. The courier sends to the Client the goods ordered, fiscal until the instruments (cashier's checks, etc.), accompanying documents. BP reserves the goods after an order on time, certainly enough to send the SIS via cell phone ETC. In case of non-receipt from the POR acknowledge receipt of the correct SIS during this period of time the goods are no longer reserved to the www-page of the online store you receive a message.

Example 2.

The ATM.

Structure and participants of the payment system with ATM.

Banking and credit institution (BKU) - member of payment system of the Bank where the account of the Client. Another Bank, with the Department of collection to ensure that cash ATMs, or the Department of collection of the same Bank performs the functions corresponding to the establishment of a trade and/or services (RIE), where the goods are cash put in the machine. Processing center (CR) - control block customer's Bank account, usually owned by the Bank, such as a server in the network of the Bank has the ability to manage the current account of the client (based on contracts), for example, using “Client-Bank”connected to the ATM, for example, by using a dedicated channel, with appropriate software, providing a reliable connection to the ATM, for example, TCP/IP, correspond with what their encryption/decryption, having a unit for communication with the client, consisting of a cellular module with a SIM card with a number of the specific mobile operator, for example, “MegaFon”, the software that provides the connection with the client, offering a specific scenario using the voice sentences to produce Customer specific steps on his cell phone, and having the ability to determine the telephone number from which a call by the Client, to convert received from the Client a sequence of DTMF signals corresponding sequence of characters, with software, for example, a database containing data about the participants of the payment system (customer identification data - PIN-codes-party payment system, the parameters of the SIM card, the control parameters calculated by the client's Bank account and so on; on the ATM identification data, for example, ATM etc)that preserves all information about the conducted transactions with settlement accounts, special software that generates a unique order ID (SIS) and having the ability to compare among assigned to a specific account transactions (receipt of goods - money) and sent to the ATM and received from the Client through the channel of the cellular communication, and by comparing the giver whom is NDI program manage the client's account in the Bank. ATM is a computer that belongs, as a rule, the Bank mounted in a vandal-proof housing, contains in this case, PSU, etc. BP is a special software, and communications with CR, TA displays information for the Client on the operations of the cash, with subsequent transfer of the associated block of the seller (BP) the amount that the Customer wants to cash out, ETC, and has the ability to display results of operations cash and printing the receipt of the fiscal, while BP has a standard hardware and counting the cash. The client - participant of the payment system, the customer - an individual who has a Bank account, the participant of the payment system, have contractual obligations with other participants of the payment system in his service, having a cell phone, such as Nokia 3310, with the SIM card connected to any mobile carrier, such as MegaFon, having funds in your personal account that allows you to make calls. The Client terminal is a cell phone that belongs to the client. Mobile operator - organization with hardware and software that allows you to organize mobile connection via cellular communications of a particular standard, for example, GSM, MegaFon, is connected to the SIM card of the Client and processing center, creating in the moment of the call to the processing center protected dedicated voice connection (communication channel between TC and PR), also having the ability to identify hardware (in the case of a contractual participation in the payment system) and to screen calls made to numbers and telephone devices not owned by the participants of the payment system. Mobile operator may not participate as a participant of the payment system, then use only the standard services for mobile communications (this may also be, for example, if the Client and the SIM card is connected to another cellular operator, such as MTS or other). Channels of communication between the ATM (its part related to BP) and PR - connections via a dedicated channel, or the Internet, fixed (dedicated channels) or temporary (session control).

Description of the operation of the ATM.

The client came to the ATM, on the display (monitor) ATM selects, for example, the operation of the cash withdrawal from your Bank account by pressing, for example, an on-screen button. ATM prompts the Customer to enter the amount he wants to withdraw from your current account and offers to do it with the help of mobile phone. The customer enters the required amount for a TA (using the on-screen buttons, keyboard, etc), Soglasie who I am with this form of payment. ATM (block related to BP) captures the entered data and the communication channel transmits them in PR. PR records in the database received and forms the unique ID of the order (operations) SIS, consisting of unique random set of characters (for example, 20 digits), stores it with the received information and transmits it to the ATM. The ATM displays on the monitor screen data of the operation together with the obtained from the POR SIS, offering to send SIS in PR via cell phone. The client is using their cell phone connects to the room ETC. Special software PR identifies the received call matches the number from which a call that is recorded in the database of the cellular phone numbers customers - participants of this payment system. If the ID (telephone number, ID, phone etc) do not match those registered in the database ETC, the connection is not made. If match, then the connection and the special program of the party of regions (for example, “Avtopromsborka”), according to a predetermined scenario, invites the Customer to enter on the keyboard assigned to it in the contract for service payment system and known only to the Client PIN code (for example, a sequence of up to 7 digits). The client on the keyboard Soto is on the phone enters a sequence of digits PIN code (the input sequence is transmitted as a sequence of standard audio DTMF signals). PR through the special program decodes the transmitted signals into a sequence of numbers, and verifies that the received sequence recorded in the database corresponding to this Client (already defined in the primary hardware identification). If not, the connection is terminated, and when the coincidence of the transmitted voice prompt to enter on the keyboard displayed on the screen of ATM SIS. The customer enters, reading from the monitor, SIS on the keypad of your cell phone. The input sequence is passed to PR in a sequence of standard audio DTMF signals. The received sequence is decoded into a sequence of digits and compared with the sequence stored in the database ETC as among the particular operation on the order of issuing money. In the case of a partial mismatch PR through a special program invites you to re-enter SIS. In case of discrepancies reported that the grant money will not be. The coincidence PR through a special program indicates acceptance of the entered sequence of digits. PR received a coincidence SIS received from the ATM, and SIS received from a particular Client, identifies a previously saved data on transactions with a particular Customer. PR p is overjet presence on the customer's account in the Bank (BKU) funds sufficient for the issuance of ordered quantities of cash, and in case of their failure reports to the ATM on the impossibility of the operation that is displayed accordingly on the screen of ATM and prompts you to adjust the amount the Customer wants to receive in cash. When complete lack of funds on the customer's account PR reports to monitor ATM about the lack of funds and termination of working with this Client. If there are sufficient funds in the customer's account PR generates an indication in ATM / cash machine on extradition to the Client by means of a special mechanism of the ordered amounts of cash, instructs the Bank to make withdrawals from the current account of the Customer the ordered amount and the payment amount of the Bank's services and taxes. ATM provides the Customer with the ordered amount of cash and a hard copy of the report on operations (receipt) and goes into standby mode. After the appearance of the SIS on the monitor ATM the Customer is allocated a time, obviously enough to send the SIS via cell phone ETC. In the absence of the PR's right SIS during this time, ordered the operation is cancelled, as reported through the monitor ATM.

The proposed method and system provide high reliability at low cost non-cash financial transactions may find application in the sale of goods and/or services, in particular the fuel at petrol stations, selling tickets, vacations, payment of telephone conversations, etc. For their implementation does not require additional inventive action, all hardware and software tools available to create the appropriate professionals.

The proposed method and the system for its implementation at the conclusion of the relevant contracts can be used when clients and other participants in the system in different geographical locations, using a variety of communication systems and institutions of trade and/or services that provide additional facilities and benefits.

Literature

Hatent of the Russian Federation No. 2116008, publ. in BI 20.07.98.

2. Application for patent of the RF No. 2001118029/09 from 20.06.2001, the decision to grant a patent dated 24.04.2003.

1. The method of conducting a cashless financial transactions, which are created on the basis of the contractual relationship between the at least one institution of trade and/or services that has at least one block of the seller, is connected to the terminal of the seller, at least one Bank-credit institution and the customers who have mobile phones, system, cashless financial transactions for payment to be purchased by the customer of the goods and/or services provided by the institution of trade and/or the servants, the client opens at least one Bank account in a banking and lending institution, selects the terminal of the seller need the goods and/or services, then in block seller's cart, containing information about these products and/or services and their cost, this information is displayed on the terminal of the seller with an offer to make a payment using a mobile cell phone customer and after confirmation by the client on the terminal of the seller's decision on such payment the block of the seller reserves the selected goods and/or services and using the selected communication channel transmits information about the order in participating in this payment system processing center, where check order form and assign it a unique order identifier, included in the order information and sending it to the block of the seller, which displays it on the terminal of the seller to inform the client, then the client makes a connection to your mobile cell phone using the mobile operator serving the telecommunications network to the processor, identifies the mobile cell phone of the client and when the result is positive, the customer is prompted to enter the pin assigned to it as part of the contractual relationship in this system for its persona the paths after a positive result of the introduction of which, received by the client on the mobile phone, the client immediately sends via mobile cell phone displayed on the terminal of the seller unique identifier of the order, the receipt of which is in a period of time sufficient for the above, since the display of individual order ID on the terminal of the seller, operations, processing center terminates the communication with the client and transmits the information about the termination of the manufacture of a financial transaction in the block of the seller, and subject to timely receipt of the unique identifier of the order processing center transmits a receipt confirmation to the mobile cell phone of the client and compares the unique identifier of the order that he formed, with individual the order ID received from the mobile cell phone of the client, in case of positive result of which the processing center checks the possibility of payment with the customer's current account in the Bank-a credit institution and its positive result of the banking and credit institution performs the transfer of the required amount to the account of the institution of trade and/or services and informs the processing center, which transmits the information in the block of the seller with testwuide terminal of the seller, then is issued to the client fiscal documents of the performed payment transactions and vacation paid for goods and/or services.

2. System, cashless financial transactions created on the basis of the contractual relationship between the at least one banking institution, at least one institution of trade and/or services and customers, contains at least one block of the seller in the form of a hardware-software complex made with the possibility of ordering and redundancy provided by the institution of trade and/or services of the goods and/or services, linking with the establishment of the trade and/or services and at least one processing center, made in the form of a hardware-software complex with the possibility of the formation of individual identity of each order goods and/or services, management of current accounts in banking and lending institution, receiving and processing information from the block of the seller, not less than one United unit of the seller terminal of the seller, having at least a means for entering information about the operation being carried and transmitted in the unit of the seller and means for receiving from a block of the seller and display information about the progress of the operation, also contains at least one terminal of the client in the form of gobernalia mobile cell phone, maintained appropriate cellular telecommunication network, at least one of the identification block made with the possibility of surgery identification of the client terminal and connected to the cellular operator and a processor, the terminal client connect using cellular telecommunication network with the processing center with the connectivity unit vendor using the selected communication channel.



 

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