Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems
  • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/04—Payment circuits
  • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04W—WIRELESS COMMUNICATION NETWORKS
  • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
  • H04W4/12—Messaging; Mailboxes; Announcements
  • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Definitions

• the utility model relates to the field of trade, namely, equipment for accounting payments, including non-cash, namely cash registers using telecommunications.
• the technical result is to simplify the conduct of non-cash payment transactions using mobile communications and networks of mobile operators while improving the control of the customer identification process.
• the cash register for a mobile payment system containing digital input means associated with a digital data recorder connected to an adder, a display that displays information about the cost of the goods and the total purchase price, as well as a means for generating a check file and a modem for communication with a remote object, it is equipped with a means for generating short messages associated with means for generating a check file, and the modem is a 3G modem with SIM.
• the cash register is equipped with a biometric scanner of the iris the eyes of a person and / or a person’s finger and means for entering biometric data into a check file.
• the figure shows the mobile payment system for which the inventive cash register has been developed.
• the cash register comprises: digital data input means that are associated with a digital data recording means, the latter being connected to an adder; a display that displays information about the value of the goods and the total purchase price; means for generating a check file and a modem for communicating with a remote object, equipped with means for generating short messages associated with the means, as well as a biometric scanner of the iris of the human eye and / or human finger, which allows you to take a picture of the iris of the human eye and / or finger person, write it in a short message for subsequent transmission.
• the system generates and transfers a CMC into which the check file is included, along with a biometric data snapshot - SMS check 1, a request for confirmation of payment 2 is sent, confirmation of payment 3, balance change when paying 4.
• the buyer with a set of products that he wants to buy is suitable for the seller.
• the Seller requests the Buyer's cell phone number, reads it using a barcode scanner (the Buyer's phone number is applied or glued in the form of a bar code on the phone’s back cover, upon conclusion of a cellular communication agreement) or reads it using a special device.
• the seller punches on the cash register a check with the names of the products, price, total amount, phone number of the seller and the phone number of the buyer.
• the cash register generates an SMS check 4, into which biometric data are entered.
• the cash registers of the system are equipped with 3G modems with the Seller’s SIM card.
• the cash register displays the current balance on the seller’s SIM card.
• a file with a CMC check, punched by the seller, is sent via 3G modem to the Cellular Operator.
• the mobile operator by the Buyer's phone number checks the balance for the adequacy of funds for the operation and compares the received image of the iris of the Buyer or the finger of the Buyer with the existing image in the database (database) of the Mobile operator.
• the picture is entered into the database upon conclusion of a service agreement between the mobile operator and the Buyer.
• the removal of images and biometric data is carried out by means installed in the cash register, it is possible to register and record these images and biometric data in the cash register, which will provide increased control over the customer identification process.
• the Seller receives an SMS message about insufficient funds and the impossibility of the operation
• the Mobile Operator deducts funds from the account assigned to the Buyer's mobile number and crediting funds to the account assigned to the Seller's mobile number.
• the seller sees the crediting of the amount on the cash register, the Buyer receives an SMS message about the debiting of the amount to his cell phone or other mobile device.
• the transaction is completed.
• the seller receives his money, the buyer receives his goods.

Landscapes

• Business, Economics & Management (AREA)
• Engineering & Computer Science (AREA)
• Accounting & Taxation (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Computer Networks & Wireless Communication (AREA)
• Signal Processing (AREA)
• Finance (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (2)

Publications (1)

Family

ID=48698105

Family Applications (1)

Country Status (1)

Citations (5)

• 2012
  • 2012-12-28 WO PCT/RU2012/001140 patent/WO2013100825A1/fr not_active Ceased

Patent Citations (5)

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