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WO2002037364A1 - Procede de commerce avec paiements scripturaux utilisant un reseau de communications (et variantes) - Google Patents

Procede de commerce avec paiements scripturaux utilisant un reseau de communications (et variantes) Download PDF

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Publication number
WO2002037364A1
WO2002037364A1 PCT/RU2001/000446 RU0100446W WO0237364A1 WO 2002037364 A1 WO2002037364 A1 WO 2002037364A1 RU 0100446 W RU0100446 W RU 0100446W WO 0237364 A1 WO0237364 A1 WO 0237364A1
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WO
WIPO (PCT)
Prior art keywords
payment
seller
zaκaza
ποκuπaτelya
πρi
Prior art date
Application number
PCT/RU2001/000446
Other languages
English (en)
Russian (ru)
Inventor
Sergei Chernomorov
Sergei Pavlenko
Sergei Zinoviev
Vladimir Kolesnik
Original Assignee
Joint Stock Company 'general Technologys'
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Joint Stock Company 'general Technologys' filed Critical Joint Stock Company 'general Technologys'
Priority to AU2002214436A priority Critical patent/AU2002214436A1/en
Publication of WO2002037364A1 publication Critical patent/WO2002037364A1/fr

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Classifications

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

Definitions

  • the buyer pays their purchase in the store by cashless transfer of their own bank account to the store, it does not accept the payment.
  • Buying and selling in this way is accomplished by the following method.
  • the purchaser through the Internet, is connected to the store and the store is ordered, after which the shop is supplied with the power
  • the buyer writes his digital signature to him / her and sends it to the store, and, in turn, sends it to the bank.
  • the Bank shall accept the digital signature of the purchaser and the store, shall be available in the account of the purchaser, and, in the event of the successful termination of this, shall be underestimated.
  • the bank gives the store a permission to exit the store, having received the store, the store Lost the drive.
  • a conveniently available means of access is necessary for the user to keep his account in one bank with a store.
  • the closest analogue of the present invention is the method of making a transaction for cashless payments, which is widespread by the current online stores.
  • This method of making a purchase-sale transaction is realized by the following method. ⁇ agazin s ⁇ zdae ⁇ ⁇ your Web s ⁇ anitsu on ⁇ m ⁇ yu ⁇ e ⁇ e, ⁇ d ⁇ lyuchenn ⁇ m ⁇ se ⁇ i In ⁇ e ⁇ ne ⁇ , ⁇ sle cheg ⁇ ⁇ azmeschae ⁇ on e ⁇ y ⁇ a Web s ⁇ anitse s ⁇ is ⁇ ⁇ edlagaemy ⁇ them ⁇ va ⁇ v and ⁇ a ⁇ zhe ⁇ avila ⁇ mleniya, ⁇ la ⁇ y and ⁇ lucheniya ⁇ u ⁇ a ⁇ elyami sv ⁇ i ⁇ za ⁇ az ⁇ v.
  • the data entered by the drive is then processed by the computer on the store.
  • the indicated program is assigned to this room after it is empty.
  • the repository gives its bank access to non-cash transfer in the amount of the value of this order from its own account in the bank account. For this, in the case of comments, the corresponding payment order is indicated by the order number.
  • the bank transfers the cashless account to the account of the store in the bank bank of the store.
  • the bank of the store having credited this transfer to the account of the store, forms for the store the corresponding account documents.
  • the store owner Before transmitting the product to the manufacturer, the store owner will install the user identity on the basis of the product or the product. If the information in these documents is the same as the information provided in the order box, the store owner will hand over the device to the user. the ordered ⁇ .
  • one more option of the method in this invention is to indicate that the user is the holder of the payment terms
  • the seller of the aforementioned order may notify the customer of the order and / or the order of payment and the payment of money.
  • the aforementioned order number may be indicated in the payment document, which includes the default payment.
  • this order upon receipt of a payment by the buyer of the above-mentioned order number, this order can be communicated to the seller.
  • the posed problem is also solved by the fact that the second variant s ⁇ s ⁇ ba ⁇ g ⁇ vli cashless ⁇ asche ⁇ with is ⁇ lz ⁇ vaniem ⁇ mmuni ⁇ atsi ⁇ nn ⁇ y se ⁇ i, v ⁇ lyuchayuschem ⁇ azmeschenie in ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ m us ⁇ ys ⁇ ve ⁇ davtsa, ⁇ d ⁇ lyuchenn ⁇ m ⁇ e ⁇ y ⁇ mmuni ⁇ atsi ⁇ nn ⁇ y se ⁇ i, s ⁇ is ⁇ a ⁇ edlagaemy ⁇ ⁇ davts ⁇ m ⁇ va ⁇ v, u ⁇ azanie ⁇ e ⁇ mul ⁇ v sche ⁇ a for ⁇ la ⁇ y e ⁇ i ⁇ ⁇ va ⁇ v, ⁇ sm ⁇ ⁇ u ⁇ a ⁇ elem u ⁇ azann ⁇ g ⁇ s ⁇ is ⁇ a with ⁇ m ⁇ schyu ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ g ⁇ us
  • a particular option of this invention is that the computer is owned by the owner of the property.
  • the bank has a comparable business card, which is comparable to the original contact card, such as the corresponding parameters of the above mentioned payment.
  • a further particularity of the other option for this invention is that it is expressly agreed to be paid by the parties.
  • the seller can make the above mentioned order and / or payment order the same. You may also include in the system the aforementioned commercially available ordering instructions provided that you do not accept this eleven
  • the seller is indicated on the order.
  • the aforementioned order number may be indicated in the payment document, which complies with the specified payment.
  • this order upon receipt of a payment by the buyer of the above-mentioned order number, this order can be communicated to the seller.
  • ⁇ e ⁇ m case m ⁇ gu ⁇ s ⁇ bscha ⁇ ⁇ davtsu ⁇ l ⁇ Part is ⁇ dn ⁇ g ⁇ ⁇ n ⁇ ln ⁇ g ⁇ ⁇ da and ⁇ gda ⁇ i ⁇ e ⁇ edache ⁇ u ⁇ a ⁇ elyu vysheu ⁇ azann ⁇ g ⁇ ⁇ va ⁇ a ⁇ ve ⁇ ya ⁇ presence u ⁇ azann ⁇ y chas ⁇ i is ⁇ dn ⁇ g ⁇ ⁇ n ⁇ ln ⁇ g ⁇ ⁇ da in vysheu ⁇ azann ⁇ m s ⁇ zdann ⁇ m ⁇ davts ⁇ m ⁇ n ⁇ ln ⁇ m ⁇ de.
  • the aforementioned cost of an order and / or order number may be communicated to a bank and a bank.
  • this order upon receipt of a payment by the buyer of the above-mentioned order number, this order can be communicated to the seller.
  • the present invention provides for the participation of the following entities in a trading operation: seller, consumer, consumer bank. For this reason, both the seller and the buyer may be physical entities, such as organizations. This method takes advantage of the implementation and implementation options.
  • the first of the indicated options is implemented as follows.
  • the seller uses a convenient means of supply, the seller uses a computer, a connected or a small communal room.
  • the seller places an inadequate user license to the user, Also indicated is the data structure of the company;
  • the aforementioned rules may also be posted by the seller in the form of an announcement in the office or in the sales hall of the seller, they are published in the distributor, it is distributed
  • P ⁇ u ⁇ a ⁇ el, lselayuschy sdela ⁇ ⁇ u ⁇ u ⁇ assma ⁇ ivaemym s ⁇ s ⁇ b ⁇ m, is ⁇ lzue ⁇ for d ⁇ s ⁇ u ⁇ a ⁇ vysheu ⁇ myanu ⁇ mu ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ mu us ⁇ ys ⁇ vu ⁇ davtsa anal ⁇ gichn ⁇ e ⁇ s ⁇ s ⁇ avu ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ e us ⁇ ys ⁇ v ⁇ , ⁇ d ⁇ lyuchenn ⁇ e would ⁇ ya ⁇ ⁇ dn ⁇ y of zadeys ⁇ v ⁇ vanny ⁇ ⁇ davts ⁇ m ⁇ mmuni ⁇ atsi ⁇ nny ⁇ se ⁇ ey.
  • P ⁇ sle e ⁇ g ⁇ ⁇ u ⁇ a ⁇ el vyv ⁇ di ⁇ on e ⁇ an is ⁇ lzuem ⁇ g ⁇ them ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ g ⁇ us ⁇ ys ⁇ va or ⁇ as ⁇ echa ⁇ yvae ⁇ ⁇ s ⁇ eds ⁇ v ⁇ m ⁇ d ⁇ lyuchenn ⁇ g ⁇ ⁇ e ⁇ mu us ⁇ ys ⁇ vu ⁇ in ⁇ e ⁇ a vysheu ⁇ myanu ⁇ y s ⁇ is ⁇ ⁇ va ⁇ v from ⁇ g ⁇ za ⁇ em vybi ⁇ ae ⁇ in ⁇ e ⁇ esuyuschy eg ⁇ ⁇ va ⁇ .
  • Za ⁇ em ⁇ u ⁇ a ⁇ el on ⁇ sn ⁇ ve rates (if ⁇ a ⁇ vaya u ⁇ azana in case ⁇ ivn ⁇ m ⁇ imenyae ⁇ sya ⁇ isyvaemaya below va ⁇ iatsiya nas ⁇ yascheg ⁇ s ⁇ s ⁇ ba, ⁇ edusma ⁇ ivayuschaya ⁇ mi ⁇ vanie ⁇ u ⁇ a ⁇ elem za ⁇ aza) and lselaem ⁇ g ⁇ ⁇ liches ⁇ va units vyb ⁇ ann ⁇ g ⁇ ⁇ va ⁇ a ⁇ asschi ⁇ yvae ⁇ s ⁇ im ⁇ s ⁇ e ⁇ g ⁇ ⁇ va ⁇ a.
  • the purchaser makes a payment to the aforementioned allotted account for the amount in the amount of the indicated cost of the goods.
  • Such payment may be made by the purchaser in various ways. Indeed, for example, a payment agent may deposit the indicated cash payment amount to this allotted account, or to make a non-cash payment to this allotted account at all to the bank account.
  • the user is provided with a standard bank, which is the only one assigned to the card for this payment.
  • the transmitter may use any of the communication systems available for the transmitter, the transmitter and the receiver (for example, the In addition, the purchaser may indicate this code in a payment document that complies with the stated payment.
  • the buyer is contacted by the seller to receive the paid merchandise, and this is not expressly agreed to by the seller.
  • the seller will transmit the information to the purchaser.
  • the seller may not consider it necessary to reverse the payment of the respective amount of cash assets to the aforementioned allocated account.
  • the reason for this may be, for example, the sale of the seller to the purchaser or the availability of the payment by the seller of the payment. If this is the case, the seller can install the appliance in accordance with the instructions provided by the manufacturer. 19
  • the seller communicates with the bank.
  • the latter equals the gain with the gain that was previously received from the purchaser, after which, in the event of a coincidence of the specified gain, the payment is made to the purchaser.
  • Such a transfer may be effected by cashless transfer with the aforementioned extensive account to the seller’s account or other means of transportation
  • the seller will know if the user wishes to buy the above, only when the buyer turns to the receiver for receiving it. If, however, the indicated product is delivered, it is sufficient to receive the product by hand (for example, the manufacturer will not receive the order), the In order to keep this zealot to a minimum, the user should notify the seller of their property beforehand.
  • information about the user for example, surname, first name, accent, number of the person, home address - for the person-physical person; name of the company, legal person - or
  • the com- puter device of the seller is not allowed to set other parameters of this order, for example: to refuse the delay, to pay for the delay P ⁇ sle e ⁇ g ⁇ ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ e us ⁇ ys ⁇ v ⁇ ⁇ davtsa ⁇ e ⁇ edae ⁇ ⁇ m ⁇ yu ⁇ e ⁇ n ⁇ mu us ⁇ ys ⁇ vu ⁇ u ⁇ a ⁇ elya s ⁇ bschenie, s ⁇ de ⁇ lsaschee ⁇ d ⁇ ve ⁇ lsdenie ⁇ inya ⁇ iya u ⁇ azann ⁇ g ⁇ za ⁇ aza and ⁇ a ⁇ lse predetermined ⁇ davts ⁇ m ⁇ a ⁇ ame ⁇ y e ⁇ g ⁇ za ⁇ aza, v ⁇ lyuchayuschie, ⁇ menyney me ⁇ e, s ⁇ im ⁇ s ⁇ e ⁇ g ⁇ za ⁇ aza and / or eg ⁇ n ⁇ me ⁇ .
  • the computer also stores the parameters of this
  • the seller needs to pay, together with the sum of the indicated payment, to receive any identifiable order, for example, for example.
  • GET THIS NUMBER ORDER The seller may as follows. P ⁇ u ⁇ a ⁇ el, ⁇ luchiv ⁇ ⁇ davtsa n ⁇ me ⁇ vysheu ⁇ myanu ⁇ g ⁇ za ⁇ aza in s ⁇ s ⁇ ave ⁇ a ⁇ ame ⁇ v e ⁇ g ⁇ za ⁇ aza, s ⁇ bschae ⁇ e ⁇ n ⁇ me ⁇ za ⁇ aza ⁇ anzi ⁇ n ⁇ mu ban ⁇ u d ⁇ lni ⁇ eln ⁇ ⁇ u ⁇ azann ⁇ mu ⁇ la ⁇ ezhu, ⁇ ichem for ⁇ e ⁇ edachi e ⁇ g ⁇ s ⁇ bscheniya ⁇ u ⁇ a ⁇ el m ⁇ zhe ⁇ is ⁇ lz ⁇ va ⁇ lyub ⁇ y ⁇ anal communication among vysheu ⁇ myanu ⁇ y ⁇ ⁇ ig
  • the purchaser is required to indicate this order number in the payment document which is subject to the indicated payment. Please be advised that you are not informed of any notice by the owner of this order.
  • a transparent bank may use this order number for the purchase of a payment card with a specified payment term.
  • the seller may, together with the received by the buyer of the wider bank, also inform the customer of the above-mentioned order number.
  • the transparent bank transfers to the seller the indicated cash assets, including the condition of the failure of this order to be received from the third party.
  • the seller designated as the owner of the receiver is not aware in advance that, in principle, the receiver may be aware of the above, it is noteworthy to know that In this case, the seller, having failed to give the indicated to the buyer, will not be able to investigate the above-mentioned bank in the case of the disclosure of the above. To whitewash the indicated problems, the seller may still have to disconnect the device from the distributor before transferring it to the user For this purpose, the seller sends a request to the transparent bank for comparing this code with the code previously received by the consumer bank. After this, the seller transfers the information to the purchaser indicated on receipt of the payment 23
  • Transparent bank for identifying identified identities.
  • the transparent bank informs the seller of these parameters, together with the result, the comparison of the keys is considered, and, in addition, the above mentioned parameters are ignored.
  • the seller can receive a tansy bank and received a tanzanky order from him (in the case, if you didn’t do so at all,
  • a tansy bank also communicates with the seller and the indicated algorithm.
  • Including such payments may include, for example, the amount of this payment, the date or payment, and the payment shall be made above
  • the indicated technical equipment it is possible to perform, for example, the specialized software calculated for the standard of technology By doing so, the indicated technical devices may be shipped and delivered to the commercial bank and the seller to an independent manufacturer or to the owner of the appliance Interesting bank, having received the above stated payment and corresponding 25
  • s ⁇ zdae ⁇ is ⁇ dny ⁇ n ⁇ lny ⁇ d with ⁇ m ⁇ schyu u ⁇ azanny ⁇ ⁇ e ⁇ niches ⁇ i ⁇ s ⁇ eds ⁇ v on ⁇ sn ⁇ ve e ⁇ g ⁇ shi ⁇ a and s ⁇ ve ⁇ s ⁇ vuyuschi ⁇ ⁇ a ⁇ ame ⁇ v u ⁇ azann ⁇ g ⁇ ⁇ la ⁇ elsa, ⁇ sle cheg ⁇ s ⁇ bschae ⁇ e ⁇ is ⁇ dny ⁇ n ⁇ lny ⁇ d ⁇ davtsu.
  • the transparent bank informs the seller of the mentioned relevant parameters of the indicated payment.
  • the purchaser may notify the seller of the payment parameters, in particular, by providing him with a good credit.
  • P ⁇ i ⁇ e ⁇ edache ⁇ u ⁇ a ⁇ elyu u ⁇ azann ⁇ g ⁇ ⁇ va ⁇ a ⁇ davets ⁇ ve ⁇ yae ⁇ s ⁇ v ⁇ adenie ⁇ n ⁇ ln ⁇ g ⁇ ⁇ da, s ⁇ zdann ⁇ g ⁇ them with ⁇ m ⁇ schyu u ⁇ azanny ⁇ ⁇ e ⁇ niches ⁇ i ⁇ s ⁇ eds ⁇ v on ⁇ sn ⁇ ve ⁇ luchenn ⁇ g ⁇ ⁇ ⁇ u ⁇ a ⁇ elya shi ⁇ a and u ⁇ myanu ⁇ y ⁇ s ⁇ ve ⁇ s ⁇ vuyuschi ⁇ ⁇ a ⁇ ame ⁇ v u ⁇ azann ⁇ g ⁇ ⁇ la ⁇ elsa with ⁇ luchennym ⁇ ⁇ anzi ⁇ n ⁇ g ⁇ ban ⁇ a is ⁇ dnym ⁇ n ⁇ lnym
  • Numbers of parameters may include, for example, the price of this order, the date or number of this order, the number of units ordered and so on. In this case, in the absence of the previous, the purchaser or the seller commits a commercial bank of the above mentioned products that are not necessary for the product.
  • ⁇ anzi ⁇ ny ban ⁇ ⁇ luchiv appointed ⁇ u ⁇ a ⁇ elem shi ⁇ , s ⁇ zdae ⁇ is ⁇ dny ⁇ n ⁇ lny ⁇ d with ⁇ m ⁇ schyu u ⁇ azanny ⁇ ⁇ e ⁇ niches ⁇ i ⁇ s ⁇ eds ⁇ v on ⁇ sn ⁇ ve e ⁇ g ⁇ shi ⁇ a and u ⁇ azanny ⁇ s ⁇ ve ⁇ s ⁇ vuyuschi ⁇ ⁇ a ⁇ ame ⁇ v u ⁇ myanu ⁇ g ⁇ za ⁇ aza, ⁇ sle cheg ⁇ s ⁇ bschae ⁇ e ⁇ is ⁇ dny ⁇ n ⁇ lny ⁇ d ⁇ davtsu.
  • one of the means for the purchaser to pay the aforementioned payment is the non-cash payment of the account to be paid in the above.
  • initsii ⁇ vaniya ⁇ a ⁇ g ⁇ ⁇ la ⁇ ezha ⁇ u ⁇ a ⁇ el na ⁇ avlyae ⁇ in sv ⁇ y ban ⁇ s ⁇ ve ⁇ s ⁇ vuyuschy ⁇ la ⁇ ezhny d ⁇ umen ⁇ , vy ⁇ lnenny, ⁇ a ⁇ ⁇ avil ⁇ on bumazhn ⁇ m n ⁇ si ⁇ ele for is ⁇ lyucheniem cases ⁇ gda ⁇ a ⁇ y d ⁇ umen ⁇ na ⁇ avlyae ⁇ sya in ban ⁇ as ele ⁇ nn ⁇ g ⁇ s ⁇ bscheniya ⁇ s ⁇ glas ⁇ vann ⁇ mu ⁇ analu connection.
  • this document is made available to a company that is separate from this bank, or that it has a private bank account.
  • the computer is used with the scanner connected to it, as well as the corresponding encryption of the computer.
  • the payment process is processed by the following process.
  • the document is scanned, then its image in digital form is accessed in the program recognition program.
  • EPD ele ⁇ nny ⁇ ⁇ la ⁇ ezhny ⁇ d ⁇ umen ⁇ v -.. EPD
  • the payment document which is available in numerical form (for example, the data and the number of this payment, the payment of the case and the payment of the case) S ⁇ ve ⁇ s ⁇ venn ⁇ , s ⁇ de ⁇ zhim ⁇ e ⁇ lya ⁇ mmen ⁇ a ⁇ iev is ⁇ dn ⁇ g ⁇ ⁇ la ⁇ elsn ⁇ g ⁇ d ⁇ umen ⁇ a in s ⁇ s ⁇ av EPD s ⁇ aschenn ⁇ g ⁇ ⁇ ma ⁇ a not v ⁇ lyuchae ⁇ sya, ch ⁇ not ⁇ zv ⁇ lyae ⁇ ⁇ u ⁇ a ⁇ elyu is ⁇ lz ⁇ va ⁇ e ⁇ ⁇ le ⁇ mmen ⁇ a ⁇ iev for s ⁇ bscheniya ⁇ anzi ⁇ n ⁇ mu ban ⁇ u vysheu ⁇ azanny ⁇ shi ⁇ a ⁇ u ⁇ a ⁇ elya and / or n ⁇ me ⁇ a za ⁇ aza.
  • the seller calculates the aforementioned cost of the order in such a way as to ensure that they are free of charge from the non-deductible payment. Let, for example, the seller confirm that the order number is expressed by the four lowest order numbers of this order. When the following algorithm for the description of the number of the order is available, the following is available.
  • the advantage to the present invention is also that it allows the seller to have a fairly small transaction for himself with an anonymous drive.
  • the other of the abovementioned variants of the present invention is implemented by the following method.
  • the purchase of a transaction made by a commercial bank and a merchant is identical to that of a complimentary company.
  • the purchaser and the commercial bank provides technical equipment for the creation of a commercial code on the base of the code.
  • the indicated technical equipment it is possible to perform, for example, the specialized software calculated for the standard of technology
  • the indicated technical devices may be shipped and delivered to the purchaser and the commercial bank by the independent user or the user is not allowed to use the appliance.
  • P ⁇ u ⁇ a ⁇ elyu naib ⁇ lee tseles ⁇ b ⁇ azn ⁇ is ⁇ lz ⁇ va ⁇ va ⁇ ian ⁇ ⁇ s ⁇ eniya e ⁇ i ⁇ ⁇ e ⁇ niches ⁇ i ⁇ s ⁇ eds ⁇ v as ⁇ g ⁇ ammy for s ⁇ anda ⁇ n ⁇ g ⁇ ⁇ m ⁇ yu ⁇ e ⁇ a, ⁇ gda ⁇ n m ⁇ zhe ⁇ ⁇ luchi ⁇ e ⁇ u ⁇ g ⁇ ammu as ⁇ ayla ⁇ s ⁇ ve ⁇ s ⁇ vuyuschey ⁇ mmuni ⁇ atsi ⁇ nn ⁇ y se ⁇ i na ⁇ yamuyu ⁇ ⁇ izv ⁇ di ⁇ elya or che ⁇ ez ⁇ s ⁇ edni ⁇ v (in ⁇ .ch. che ⁇ ez ⁇ anzi ⁇ ny ban ⁇ or ⁇ davtsa).
  • the seller communicates with the bank.
  • the last one is based on this basic type with the help of the most technical equipment, and the second one is the same as the second one.
  • the transparent bank transfers the seller's money to the seller in the amount of the above payments.
  • Such transfers may be made in cashless transfers with the aforementioned allotment to the seller's account in the form of a bank or other means of payment.
  • the purchaser may be able to order the abovementioned purchase.
  • vysheu ⁇ myanu ⁇ g ⁇ za ⁇ aza ( ⁇ l ⁇ in ⁇ m if e ⁇ n ⁇ me ⁇ za ⁇ aza s ⁇ bschalsya ⁇ u ⁇ a ⁇ elem ⁇ anzi ⁇ n ⁇ mu ban ⁇ u) with ⁇ luchennymi ⁇ ⁇ davtsa s ⁇ im ⁇ s ⁇ yu and / or n ⁇ me ⁇ m e ⁇ g ⁇ za ⁇ aza, ⁇ sle cheg ⁇ in zavisim ⁇ s ⁇ i ⁇ ⁇ ezul ⁇ a ⁇ v u ⁇ azann ⁇ y sve ⁇ i, vy ⁇ lni ⁇ deys ⁇ viya, anal ⁇ gichnye ⁇ isannym in ⁇ e ⁇ v ⁇ m va ⁇ ian ⁇ e ⁇ assma ⁇ ivaem ⁇ g ⁇ s ⁇ s ⁇ ba.
  • P ⁇ s ⁇ l ⁇ u v ⁇ eu ⁇ azannye ⁇ e ⁇ niches ⁇ ie s ⁇ eds ⁇ va is ⁇ lzuyu ⁇ for s ⁇ zdaniya ⁇ n ⁇ ln ⁇ g ⁇ ⁇ da ⁇ l ⁇ shi ⁇ , ⁇ in case ⁇ gda ⁇ u ⁇ a ⁇ el appointed for ⁇ che ⁇ edn ⁇ y ⁇ la ⁇ y shi ⁇ , ⁇ anee already is ⁇ lz ⁇ vavshiysya them s ⁇ zdanny ⁇ u ⁇ a ⁇ elem on ⁇ sn ⁇ ve ⁇ a ⁇ g ⁇ shi ⁇ a ⁇ n ⁇ lny ⁇ d ⁇ a ⁇ zhe ⁇ v ⁇ i ⁇ sya.
  • preset parameters may be turned on, for example, the amount of payment, the number of the above allocated account, etc.
  • ⁇ Including such parameters should include, first of all, give and order number, also include the exclusion of the cost of the unit, except for the unit.
  • ⁇ e ⁇ m case s ⁇ ve ⁇ s ⁇ vuyuschie ⁇ a ⁇ ame ⁇ y vysheu ⁇ myanu ⁇ g ⁇ za ⁇ aza is ⁇ lzuyu ⁇ sya ⁇ u ⁇ a ⁇ elem for s ⁇ zdaniya is ⁇ dn ⁇ g ⁇ ⁇ n ⁇ ln ⁇ g ⁇ ⁇ da and ⁇ anzi ⁇ nym ban ⁇ m - for s ⁇ zdaniya ⁇ n ⁇ ln ⁇ g ⁇ ⁇ da, s ⁇ avnivaem ⁇ g ⁇ them further with is ⁇ dnym ⁇ n ⁇ lnym ⁇ d ⁇ m.
  • a profitable bank compares the return from the seller with a direct contact with the original direct contact and notifies the seller of the result of this.
  • the seller transfers the data to the user only after receipt of a notice from the bank of the identities of the identified business cards.
  • ⁇ a ⁇ and ⁇ e ⁇ v ⁇ m va ⁇ ian ⁇ e s ⁇ s ⁇ ba ⁇ nas ⁇ yaschemu iz ⁇ b ⁇ e ⁇ eniyu ⁇ anzi ⁇ ny ban ⁇ m ⁇ zhe ⁇ vmes ⁇ e with ⁇ ezul ⁇ a ⁇ m vysheu ⁇ azann ⁇ y ⁇ ve ⁇ i s ⁇ bschi ⁇ ⁇ davtsu, ⁇ i ne ⁇ b ⁇ dim ⁇ s ⁇ i, ⁇ a ⁇ lse and ⁇ a ⁇ ame ⁇ y vysheu ⁇ azann ⁇ g ⁇ ⁇ la ⁇ ezha, v ⁇ lyuchayuschie, ⁇ at me ⁇ e, amount e ⁇ g ⁇ ⁇ la ⁇ elsa and
  • a predetermined number of the seller of the numerical supply of this order was a numbered order.
  • ⁇ In its own right, a transparent bank, using the corresponding financial assets, is not subject to any significant loss of ownership. called by analogous to the industrial registry ( ⁇ SP) of the drive. Further, in the present invention, such technical devices will be referred to as technical components of the USP verification. Correspondingly, technical devices used by the user to create an analogue of their proprietary records, hereinafter referred to as technical media.
  • the collection of an analogue of a special manual ( ⁇ SP) is known, in particular, it is secured in a series of privately-owned accessories (see, for example, ⁇ SP is used in modern business practice on a par with the traditional academic record.
  • ⁇ SP special manual
  • the default parameters of this algorithm are the written document, presented in the electronic form, and a certain number specified by the user ( ⁇ . ⁇ a ⁇ ⁇ avil ⁇ , ⁇ d ⁇ isyvaemy d ⁇ umen ⁇ , ⁇ azme ⁇ ⁇ g ⁇ less zadann ⁇ y e ⁇ im alg ⁇ i ⁇ m ⁇ m value for the purposes of signature s ⁇ zdaniya d ⁇ lnyae ⁇ sya d ⁇ u ⁇ azann ⁇ y magnitude ⁇ edelenn ⁇ y tsi ⁇ v ⁇ y ⁇ sled ⁇ va ⁇ eln ⁇ s ⁇ yu, ch ⁇ ⁇ zv ⁇ lyae ⁇ , ⁇ i ne ⁇ b ⁇ dim ⁇ s ⁇ i, ⁇ d ⁇ isyva ⁇ even ⁇ us ⁇ ye d ⁇ umen ⁇ y.
  • the mentioned asymmetric scheme is slightly more symmetrical.
  • the direct corresponding computational algorithm (generation algorithm) is generated by a pair of keys: closed and open. These keys must be agreed upon in a separate manner; therefore, their generation is carried out in a single cycle of the indicated generation algorithm.
  • this shortcut key and the original document are used to create an electronic digital signature with the use of a companion algorithm.
  • the subsequent verification of this EDS is carried out by the corresponding verification algorithm used for this purpose, the same original document and the abovementioned.
  • ⁇ SP are established by the national standards of a number of countries (see, for example, ⁇ ⁇ 34.10-94) and are, therefore, output algorithms.
  • P ⁇ i e ⁇ m in s ⁇ v ⁇ emenny ⁇ alg ⁇ i ⁇ ma ⁇ ⁇ a ⁇ g ⁇ destination is ⁇ lzuyu ⁇ sya ma ⁇ ema ⁇ iches ⁇ ie me ⁇ dy, ga ⁇ an ⁇ i ⁇ uyuschie nev ⁇ zm ⁇ zhn ⁇ s ⁇ v ⁇ ss ⁇ an ⁇ vleniya zl ⁇ umyshlenni ⁇ m za ⁇ y ⁇ g ⁇ ⁇ lyucha, is ⁇ lz ⁇ vavsheg ⁇ sya ⁇ i s ⁇ zdanii ⁇ a ⁇ g ⁇ - lib ⁇ ⁇ SP otherwise ⁇ a ⁇ ⁇ e ⁇ eb ⁇ m vse ⁇ v ⁇ zm ⁇ yasny ⁇ values ⁇ a ⁇ g ⁇ za ⁇ y ⁇ g ⁇ ⁇ lyucha, even in the presence of ⁇ i
  • the last of the above mentioned options for the present invention is implemented by the following method.
  • the purchase of a transaction made by a commercial bank and a merchant is identical to that of a complimentary company.
  • the user is provided with technical equipment for the construction of a joint stock company, and the commercial bank is provided with related equipment.
  • the types of circuits and other technical means depend on the type of CSP used in this variant of the process.
  • ⁇ chas ⁇ n ⁇ s ⁇ i if ⁇ u ⁇ a ⁇ el and ⁇ anzi ⁇ ny ban ⁇ is ⁇ lzuyu ⁇ ele ⁇ nn ⁇ -tsi ⁇ vuyu ⁇ d ⁇ is and ⁇ i e ⁇ m alg ⁇ i ⁇ my s ⁇ zdaniya and ve ⁇ i ⁇ i ⁇ atsii EDS (and ⁇ i is ⁇ lz ⁇ vanii asimme ⁇ ichn ⁇ y s ⁇ emy - ⁇ ayu ⁇ se and alg ⁇ i ⁇ m gene ⁇ atsii za ⁇ y ⁇ g ⁇ and ⁇ y ⁇ g ⁇ ⁇ lyuchey) ⁇ ealiz ⁇ vany as ⁇ g ⁇ amm, is ⁇ lnyaemy ⁇ on s ⁇ anda ⁇ n ⁇ m ⁇ m ⁇ yu ⁇ e ⁇ e, ⁇ ⁇ gda
  • the indicated programs may be shipped and delivered to the purchaser and the commercial bank by an independent manufacturer, or else the user is not required to use the shipment. By using this method
  • the transmitter transfers its closed key to a transparent bank.
  • ⁇ am ⁇ a ⁇ asimme ⁇ ichn ⁇ y s ⁇ emy ⁇ u ⁇ a ⁇ el first with ⁇ m ⁇ schyu imeyuschi ⁇ sya in neg ⁇ ⁇ e ⁇ niches ⁇ i ⁇ s ⁇ eds ⁇ v s ⁇ zdaniya ⁇ SP gene ⁇ i ⁇ ue ⁇ za ⁇ y ⁇ y and ⁇ y ⁇ y ⁇ lyuchi, ⁇ sle cheg ⁇ ⁇ e ⁇ edae ⁇ ⁇ anzi ⁇ n ⁇ mu ban ⁇ u e ⁇ ⁇ y ⁇ y ⁇ lyuch. This is indicated above, such a transmission of a short (or quick) key, the switch can be performed only once or less. 42
  • the buyer Upon payment of the above payment, the buyer is contacted by the seller to receive the paid payment, which is shared with the seller and the unit is selected to receive this payment. Otherwise, the device is supplied to the seller by its owner, produced by the device in connection with the aforementioned devices. For the most part, upon receipt of this information from the purchaser, the seller transfers the indicated order to him. For this reason, both in the previous options and in the cash flow, the seller may not find it unreasonable to make a payment of a higher value for money. The reason for this may be, for example, the sale of the seller to the purchaser or the availability of the payment by the seller of the payment.
  • the Bank of Transmittal sends the seller a specified message or a free initiative (for example, upon receipt of the above).
  • the seller may have made a purchase in order to receive the indicated payment, it is hereby agreed to the consent to the product. This will allow the seller to be sure that the payment is carried out by the payment processor.
  • the seller received from the seller provides the seller with a commercial bank. The latter, using the specified technical means of VSP verification, verifies this CSP.
  • the VAR is varied. ⁇ in particular, if an electronic digital signature is generated by the purchaser in the framework of a symmetric circuit, this means that when using this digital signature, the bank uses the received electronic key. If, for example, a transitive bank verifies the digital signature of the drive in the framework of an asymmetric circuit, then you are using the received signal from this source.
  • Such a transfer means that there is a non-cash transfer from a voucher to a debit account to a seller in a bank or other means of payment.
  • the user can find the order for the purchase of the aforementioned goods.
  • S ⁇ s ⁇ av e ⁇ g ⁇ za ⁇ aza (v ⁇ lyuchaya s ⁇ im ⁇ s ⁇ and n ⁇ me ⁇ e ⁇ g ⁇ za ⁇ aza) and ⁇ a ⁇ zhe ⁇ sled ⁇ va ⁇ eln ⁇ s ⁇ deys ⁇ vy, s ⁇ ve ⁇ shaemy ⁇ ⁇ u ⁇ a ⁇ elem and ⁇ davts ⁇ m ⁇ i ⁇ mi ⁇ vanii e ⁇ g ⁇ za ⁇ aza, iden ⁇ ichny s ⁇ s ⁇ avu za ⁇ aza and s ⁇ ve ⁇ s ⁇ vuyuschey ⁇ sled ⁇ va ⁇ eln ⁇ s ⁇ i deys ⁇ vy, ⁇ isannym in ⁇ e ⁇ vy ⁇ dvu ⁇ va ⁇ ian ⁇ a ⁇ ⁇ assma ⁇ ivaem ⁇ g ⁇ s ⁇ s ⁇ ba.
  • this order number is in the payment document, which includes the payment indicated.
  • a commercial bank may use this order number for the payment procedure described below.
  • the transitive bank transfers the indicated funds to the seller, including the condition that the order is refused with the return of the invoice.
  • the seller may not receive the above-mentioned product from the consumer by sending the received USP to the consumer bank for verification. This will allow the seller to make sure that the transmitter transfers the long USB to him even before transmitting the product.
  • the manufacturer when updating the indicated technical equipment, the manufacturer provides the updated version of the electronic equipment.
  • the seller of the number of numerically providing this order for the order has provided a special reference number.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Nitrogen And Oxygen Or Sulfur-Condensed Heterocyclic Ring Systems (AREA)

Abstract

L'invention relève du domaine des finances et peut s'utiliser dans différents secteurs de l'économie pour réaliser des opérations commerciales à règlement non scriptural par le biais d'un réseau de communication. L'invention permet d'améliorer la protection de l'acheteur lors d'une transaction d'achat/vente à règlement non scriptural par le biais d'un réseau de communication. Des variantes du procédé consistent à établir dans un dispositif informatisé du vendeur une liste de marchandises proposées, indiquer les cordonnées du compte de paiement pour ces marchandises, lesdites coordonnées comprenant celles du compte ouvert à cet effet dans une banque intermédiaire, faire visualiser cette liste par l'acheteur, attribuer un code individuel à chaque opération de paiement, payer la marchandise par virement de fonds sur ce compte, communiquer accessoirement à la banque intermédiaire le code de paiement, remettre la marchandise à l'acheteur à condition que ledit code ait été communiqué par l'acheteur au vendeur, communiquer à la banque intermédiaire le code obtenu de l'acheteur et faire transférer l'argent au vendeur par l'acheteur pour le montant indiqué à condition que le code communiqué par le vendeur à la banque intermédiaire corresponde au code reçu par la banque intermédiaire en complément au paiement indiqué.
PCT/RU2001/000446 2000-10-31 2001-10-26 Procede de commerce avec paiements scripturaux utilisant un reseau de communications (et variantes) WO2002037364A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002214436A AU2002214436A1 (en) 2000-10-31 2001-10-26 Clearing method using a communications network (variants)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2000127124 2000-10-31
RU2000127124A RU2174707C1 (ru) 2000-10-31 2000-10-31 Способ торговли за безналичный расчет с использованием коммуникационной сети (варианты)

Publications (1)

Publication Number Publication Date
WO2002037364A1 true WO2002037364A1 (fr) 2002-05-10

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AU (1) AU2002214436A1 (fr)
RU (1) RU2174707C1 (fr)
WO (1) WO2002037364A1 (fr)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100414794B1 (ko) * 2001-11-22 2004-01-13 에스케이 텔레콤주식회사 무선 인터넷 서비스 접속 방법
RU2223541C2 (ru) * 2002-01-30 2004-02-10 Акционерный банк "Инвестиционно-банковская группа НИКойл" (Открытое акционерное общество) Способ управления исполнением сделок, заключенных с использованием коммуникационной сети, и система для его реализации
RU2215322C1 (ru) * 2002-11-26 2003-10-27 Закрытое акционерное общество "КОМИТА" Способ торговли за безналичный расчет с использованием коммуникационной сети
ITMI20030013A1 (it) * 2003-01-08 2004-07-09 Francesco Gardin Sistema e metodo elettronico per effettuare transazioni bancarie.
RU2246757C1 (ru) * 2003-06-19 2005-02-20 Иванов Михаил Борисович Способ проведения безналичных финансовых операций и система для его осуществления
GB2410113A (en) * 2004-11-29 2005-07-20 Morse Group Ltd A system and method of accessing banking services via a mobile telephone
RU2271571C1 (ru) * 2005-03-21 2006-03-10 Владимир Иванович Палий Торговая информационно-аналитическая система

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2111536C1 (ru) * 1996-07-29 1998-05-20 Владимир Васильевич Романченко Система продажи товаров и услуг
WO1998030985A2 (fr) * 1997-01-06 1998-07-16 Aerotel Ltd. Systeme informatise de transfert d'argent
WO1999056231A1 (fr) * 1998-04-29 1999-11-04 Jarkko Valtanen Procede permettant d'augmenter l'efficacite du commerce
US5987439A (en) * 1997-05-30 1999-11-16 Capital Security Systems, Inc. Automated banking system for making change on a card or user account
RU2146836C1 (ru) * 1998-04-13 2000-03-20 Коммерческий банк "Платина" в форме товарищества с ограниченной ответственностью Система для управления совершением сделок

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2111536C1 (ru) * 1996-07-29 1998-05-20 Владимир Васильевич Романченко Система продажи товаров и услуг
WO1998030985A2 (fr) * 1997-01-06 1998-07-16 Aerotel Ltd. Systeme informatise de transfert d'argent
US5987439A (en) * 1997-05-30 1999-11-16 Capital Security Systems, Inc. Automated banking system for making change on a card or user account
RU2146836C1 (ru) * 1998-04-13 2000-03-20 Коммерческий банк "Платина" в форме товарищества с ограниченной ответственностью Система для управления совершением сделок
WO1999056231A1 (fr) * 1998-04-29 1999-11-04 Jarkko Valtanen Procede permettant d'augmenter l'efficacite du commerce

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RU2174707C1 (ru) 2001-10-10

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