RU82894U1 - SYSTEM FOR PAYMENT AND MONEY OPERATIONS BETWEEN SUBSCRIBERS OF NETWORKS ONE AND MORE MOBILE OPERATORS - Google Patents

Abstract

1. A system for carrying out settlement and monetary operations between subscribers of the networks of one or more mobile communication operators connected via personal communication devices in the form of mobile phones, each of which is equipped with a pre-formed personal subscriber account within its own communication operator, and within the network of each of the operators a separate settlement and coordination center is provided for communications, made in the form of an intranet coordination computer interconnected with the electronic database of the subscriber the network of this operator, while the system is additionally equipped with at least one gateway main settlement and coordination center, made in the form of a computer device for electronic payments, connected to the settlement and coordination center of each of the communication operators in a single settlement network, and settlement -coordination centers of the aforementioned telecom operators of a single settlement network are interconnected by means of their intranet computers and equipped with pre-formed intranet settlement accounts, each of which is made in the form of a subscriber account of the corresponding settlement and coordination center within its mobile operator, characterized in that the personal subscriber account of each of the subscribers is formed in electronic form in such a way that it consists of two separate parts, one of which is made with the possibility of electronic acceptance of direct withdrawal of funds to pay for the services of the operator, and the other with the ability to manage the replenishment, withdrawal and transfer of money

Description

The utility model relates to the field of information technology and the design of systems for conducting cashless financial transactions and other settlements, in particular to systems for making payments and money transfers using mobile electronic communication devices, and can be used to organize the implementation of various types of settlement and monetary transactions between network subscribers of one or more different mobile operators.

A known system for conducting cashless payments (see the description of the invention to the patent of the Russian Federation No. 2263346, class G06F 17/60, G07F 19/00, 2002.12.17), designed to increase the degree of protection against unauthorized access and containing the processing center of the bank, processing center the seller, the means of generating the service request, as well as the personal mobile means of communication of the buyer and the center of identification of subscribers of the network interconnected with them through the communication network.

The disadvantage of this technical solution is the significant complexity of the system and the limited possibilities of its use for real-time money transfers.

The closest technical solution to the claimed one, adopted as the closest analogue - the prototype, is a system for carrying out settlement and monetary transactions between subscribers of networks of one or more mobile operators according to the RF patent for utility model No. 63150, class. H04M 3/42, G07F 19/00, publ. May 10, 2007, containing mobile phones of subscribers of various telecom operators connected to a single billing network, within the network of which there are separate intranet settlement and coordination centers connected to an additionally provided gateway main settlement and coordination center into a single settlement network, each of which is equipped with a pre-formed personal subscriber account inside your carrier. The system is designed to carry out settlement and monetary operations, including payments and money transfers, both between subscribers within one separate mobile operator and between subscribers of various mobile operators.

The disadvantage of the closest analogue (prototype) is the lack of full and guaranteed control of the state of your personal subscriber account by the network subscriber (its owner) due to the lack of technical means of protecting personal subscriber accounts from unauthorized entry and therefore the existing technical ability of a sufficient simple unauthorized access immediately to the entire amount of funds in the subscriber’s personal account, for example, due to a mistake of the operator’s actions when paying for his services by direct withdrawal of funds from the subscriber’s account.

In addition, the disadvantage of the prototype is the relative complexity of making settlements between subscribers within its own network due to the need to open individual accounts of subscribers of the network users in only one specially provided credit and payment institution.

The utility model is aimed at eliminating the shortcomings of the closest prototype analogue, including increasing the completeness of control over the state of its personal subscriber account by the subscriber-owner of the latter and the degree of his (account) security against unauthorized withdrawal of funds from him, as well as simplifying the settlements between subscribers inside your own network.

At the same time, the task of creating a more reliable and convenient system for carrying out settlement and monetary operations between network subscribers was solved, which provides an additional opportunity for more complete control of the status of personal subscriber accounts by their owners - network subscribers.

This is achieved by the fact that in the proposed system for carrying out settlement and monetary operations between subscribers of the networks of one or more mobile communication operators connected via personal communication devices in the form of mobile phones, each of the subscribers is provided with a pre-formed personal subscriber account inside their communication operator, and within the network of each of the telecom operators a separate settlement and coordination center is provided, made in the form of an intranet coordination computer, interconnected with an electronic database of subscribers of the network of the operator, the system is additionally equipped with at least one gateway main settlement and coordination center, made in the form of a computer device for electronic payments, connected to the settlement and coordination center of each of the communication operators into a single settlement network, and settlement and coordination centers

the aforementioned telecom operators of a single settlement network are interconnected by means of their intranet computers and equipped with pre-formed intranet settlement accounts, each of which is made in the form of a subscriber account of the corresponding settlement and coordination center inside its mobile operator, unlike the closest analogue (prototype), personal the subscriber account of each of the subscribers is formed in electronic form in such a way that it consists of two separate parts, one of which is made with the possibility of electronic withdrawal of funds without acceptance to pay for the operator’s services, and the other with the ability to control the replenishment, withdrawal and transfer of funds only directly by the subscriber-owner of this personal account, for example using SMS messages via the subscriber’s mobile phone, both of which parts of the account are interconnected in electronic form using an intranet coordination computer of the corresponding telecom operator.

In practice, the gateway main settlement and coordination center, in its technical essence, is a computer device for electronic payments, for example, using a Bank-Client system, for example, using appropriate software.

Intra-network coordination computers of telecom operators are mainly designed to monitor the status of subscriber accounts within telecom operators and to monitor the movement of funds within telecom operators from one subscriber account to another.

In addition, with the help of intranet coordination computers, subscriber accounts in electronic form can be divided into two separate parts and control the movement of funds from one part of the account to another.

At the same time, the intranet coordination computer of the settlement and coordination center of each of the operators of the single settlement network, as well as the computer device for electronic payments as part of the internetwork of the main settlement and coordination center, are equipped (in a known manner) with the appropriate software (set of programs), and in practice personal computers with an appropriate set of standard multi-function computers can be used as intranet coordination computers media tools.

The intranet coordination computer software is generally a set of interconnected programs that allow you to transfer funds from one part of an account to another and from one subscriber account to another within a given operator, in the process of a specific monetary settlement operation.

The most common embodiment of the system for carrying out settlement and monetary operations between network subscribers of one or more mobile communication operators is a constructive solution in which personal communication devices of individual subscribers (clients) are connected to a single settlement network, including intra-network settlement and coordination centers of operators communications included in a single settlement network via mobile phones.

In another embodiment, personal communication devices can be connected to intranet settlement and coordination centers, for example, one of the operators included in a single settlement network, through paging communications and made in the form of personal pagers, equipped as standard with displays for displaying visual information, t .e. in this case, a single settlement network can be formed by including in it, for example, as one of the mobile communication operators, the paging operator.

The identification of network subscribers in the process of making mutual settlements, for example, making payments or money transfers, can be carried out in any known manner based on the data registered with the operators in their electronic databases

details of network subscribers, for example, SIM card numbers, PIN codes, etc., which, in turn, can be used as additional means of monitoring the settlement and monetary operations using the proposed system, and each of the network subscribers can be identified at any stage of the settlement and monetary operation.

Depending on the purpose, in the formation of a unified settlement network, at least one credit and payment institution (credit and payment authority), for example, a partner bank of the unified settlement network, may be interconnected with its telecommunications operators, intended for the implementation, at the request of any subscriber of the network, of transferring part or all of the amount of money from his subscriber account to his previously provided settlement account in the aforementioned credit and payment com) establishment and including in its structure a device for electronic payments, interconnected in turn, for example by the mobile communication, with a computer device for electronic payments, which is part of the main system settlement clearing center.

More practical from a practical point of view is the option in which each of the telecom operators of a single settlement network is equipped with a pre-established credit and payment institution (credit and payment authority), for example, a partner bank of the telecom operator, while its (operator) settlement and coordination center is connected , for example, via mobile telephone, with a device for making electronic payments of the respective credit institution, at least one of which is interconnected with the gateway the main settlement and coordination center. Provided credit and payment institutions of individual operators

communications are also interconnected, for example by means of an electronic payment device.

In all cases and options, all of the above and any other nodes, devices, equipment, devices, and other components necessary for its technical implementation that are part of the claimed system for carrying out settlement and monetary operations, depending on the need, can be interconnected either by means of wired communication, for example cable connections, and / or wireless communication, for example radiotelephone, satellite, etc., and any other known technical methods, techniques and means, while all the settlement accounts used in the proposed technical solution, for example, subscriber, bank, etc., including divided into separate parts, are interconnected in such a way that with their use it is possible to make any types of electronic payments, money transfers and any other distance through known technical means and methods of settlement and monetary operations.

Thus, the essence of the claimed utility model is a new technical solution that allows using various well-known technical means (separately) to create various (depending on the task) systems design options for settlement and monetary operations between network subscribers of one or more operators mobile (cellular) communication.

The essence of the proposed technical solution is based on the laws of probability theory and mathematical statistics, and in this case, probability is considered as a numerical characteristic of the degree of possibility of occurrence of the expected random event under certain conditions - i.e. settlement and monetary operations.

Moreover, based (as indicated above) on determining the probability of the frequency of occurrence of the expected event, in the case of

conducting a sufficient number of settlement and money transactions, for example, money transfers, and also due to the fact that in relation to one or another telecom operator, transferring (receiving) to the account and debiting from the account of any player subscriber of this particular operator are generally equally probable elementary events, then with an infinite countable number of completed settlement and monetary operations carried out in a single settlement network, approximate values of the probabilities of transferring (receiving) to the account and debiting from the account will be practical exactly the same, i.e. the number of receipts (credits) will be equal to the number of debits from the account and, therefore, in general, the amount of money transferred as a result of settlement and monetary operations from the subscriber account of the settlement and coordination center to the subscribers' account within each operator included in the unified settlement network and vice versa for a relatively long time period will also be equal.

The essence of the utility model is illustrated by the drawing, which schematically depicts the proposed system for the implementation of settlement and monetary operations with "functionally" designated basic devices and elements included in its composition.

An example of a specific implementation of the claimed utility model is a system for carrying out settlement and monetary transactions between subscribers of a network of 2 (two) mobile communication (cellular) operators, for example, “MTC-GSM” and “Skylink” or “MegaFon” and “Bee Line GSM” ”, With the help of personal mobile phones connected in accordance with the established procedure, the subscribers of the respective telecom operators equipped with standard displays (display screens) for visual display of text and image coming and going through mobile communication lines mately information, including any type of image display prompts, including containing dynamic

(moving elements) both black and white, and made in different color combinations, depending on the design of mobile phones, respectively.

The system for carrying out settlement and monetary operations between subscribers in the formed unified settlement network of 2 mobile operators, for example, as part of “Operator A” and “Operator B”, contains: a clearing and settlement center provided for in “Operator A” (hereinafter - “ RCC-A ”) 1, including interconnected intranet coordination computer 2 with software (not shown in the drawing) for its operation, an electronic database of 3 subscribers of“ Operator A ”, mobile phones of 4 subscribers of“ Operator "; the settlement and coordination center provided for in “Operator B” (hereinafter referred to as “RCC-B”) 5, including interconnected intranet coordination computer 6 with software (not shown in the drawing) for its operation, an electronic database of 7 subscribers of “Operator B” ”, Mobile phones of 8 subscribers of“ Operator B ”; additionally provided for the formation of a single settlement network and interconnected with “Operator A” (settlement and coordination center 1) and “Operator B” (settlement and coordination center 5), the main gateway settlement and coordination center (hereinafter referred to as “GRCC”) 9, including a computer device 10 for making electronic payments with appropriate software (not shown in the drawing) for its operation, while the gateway main settlement and coordination center (“SRCC”) 9 is interconnected with settlement and coordination the ion center (“RCC-A”) 1 of “Operator A” and the settlement and coordination center (“RCC-B”) 5 of “Operator B”, respectively, via mobile communication.

To carry out settlement and monetary operations between network subscribers inside settlement and coordination centers (“RCC-A”) 1 of “Operator A” and

“RCC-B” 5 of “Operator B” provides for pre-formed intranet settlement accounts of “Operator A” and “Operator B” in the form of subscriber accounts 11 and 12 of settlement and coordination centers 1 and 5 of “Operator A” and “Operator B”, respectively interconnected with pre-formed personal subscriber accounts of 13 and 14 subscribers (clients) of “Operator A” and “Operator B” with mobile phones 4 and 8, respectively.

Each of the personal subscriber accounts 13 and 14 using the intra-network coordination computer 2 of “Operator A” and the intranet coordination computer 6 of “Operator B”, respectively, is generated (divided) electronically and consists of two separate parts: account 13 is divided into parts 13 * and 13 **; account 14 - to parts 14 * and 14 **, respectively, one of which 13 * and 14 * is made with the possibility of electronic withdrawal of funds to pay for the services of an operator: “Operator A” and “Operator B”, respectively, as by the operator himself, including in the non-acceptance form, so the subscriber is the owner of the account, and the other part 13 ** and 14 **, with the ability to manage the replenishment, withdrawal and transfer of funds only directly by the subscriber who owns this personal account, for example, using SMS - messages via mobile phones backgrounds 4 and 8 subscribers (clients) "Operator A" and "Operator B", respectively. Both parts 13 * and 13 **; 14 * and 14 **, of each of the personal subscriber accounts 13 and 14, respectively, are interconnected electronically using intranet coordination computers 2 and 6 of the respective communication operators.

The first part 13 * or 14 * of personal subscriber accounts 13 and 14, respectively, is replenished by the subscriber, for example, by his SMS commands, including by transferring (transferring) money from the second part 13 ** and 14 **, respectively, as necessary or in any other manner previously agreed by the subscriber and operator,

at the same time, funds are debited from the above parts 13 * or 14 * according to the commands of the respective telecom operators (“Operator A” and “Operator B”) in non-acceptance form, as payment for the services rendered. To the other part 13 ** and 14 **, of personal subscriber accounts 13 and 14, respectively, funds are transferred and withdrawn only by commands of direct subscribers-owners of personal subscriber accounts 13 and 14, respectively. The replenishment of personal subscriber accounts is carried out by subscribers by known methods of depositing cash or using wire transfers, etc.

In another constructive implementation of the system, “GRCC” 9 can be provided with settlement accounts inside “Operator A” and inside “Operator B” in the form of pre-formed subscriber accounts (not shown) “GRCC” 9 inside “Operator A” and inside “Operator B ”, respectively, which, if necessary, can perform the functions of subscriber accounts 11 and 12 of settlement and coordination centers 1 and 5, respectively, through their interconnection with the same above-mentioned functional elements of the system as the latter (11 and 12).

The Main Settlement and Coordination Center (“GRCC”) 9 may have its own predefined (formed) bank account 15 at any known credit and payment institution (authority) 16, which, if necessary, can be used to pay directly to cash to the subscribers of the single settlement network money, for example, using plastic cards (not shown in the drawing) received by subscribers (customers) in a credit and payment (banking) institution 16 upon first appeal or by mail, and later on money (for example , money transfers) can be transferred directly to the mentioned plastic cards.

In another embodiment (not shown in the drawing), each of the telecom operators of a single settlement network can be equipped with a pre-established credit and payment institution, for example, a partner bank of a telecom operator, while its (operator) settlement and coordination center is connected, for example, via mobile telephone , with a device for making electronic payments of the relevant credit and payment institution, and at least one of them is interconnected with the gateway main settlement and coordination center, and nye credit and payment institutions of various telecom operators are interconnected by means of devices for electronic payments.

In the General case, the implementation of the claimed system, each of the intranet coordination computers 2 and 6 is equipped with software (not shown in the drawing), which is a set of interconnected programs for performing settlement and monetary operations, including money transfers from an account to an account of network subscribers and / or movement of funds from one part of the account to another.

Settlement and monetary operations through the proposed system of interconnected devices using pre-formed intranet settlement accounts of 11 and 12 operators consisting in transferring funds to the subscriber (client) account at his request and / or writing off funds from the subscriber (client) account in the following way.

Previously, as mentioned above, inside each of the operators: “Operator A” and “Operator B”, they create intranet settlement accounts in the form of subscriber accounts of 11 and 12 settlement and coordination centers: “RCC-A” 1 and “RCC-B” 5 of “Operator A” and “Operator B”, respectively, by which, by mutual agreement between subscribers of various telecom operators, for example between

“Subscriber-A1” and “Subscriber-B1” charge and transfer funds simultaneously for “Operator A” and “Operator B”, for example, from the intranet settlement account 12 of the settlement and coordination center - “RCC-B” 5 “Operator B” "To the subscriber account 14 (14 *, 14 **) of the subscriber (client) of this operator, for example," Subscriber-B1 ", and - from the subscriber account 13 (13 *, 13 **) of another subscriber (another client), for example" Subscriber-A1 ”of another telecom operator -“ Operator A ”to the intranet settlement account 11 of the settlement and coordination center -“ RCC-A ”1 of the same op the telecom operator - “Operator A”, while the above-mentioned actions for charging and transferring funds are carried out simultaneously, both inside the telecom operator of the first subscriber “Subscriber-B1”: “Operator B” and inside another telecom operator - the operator of the second subscriber: “ Operator A ”, and the synchronization of the accrual and transfer of funds on time is carried out through interconnected intra-network coordination computers 6 and 2 of“ Operator B ”and“ Operator A ”, respectively.

The essence of the system for performing settlement and monetary operations between subscribers, including various mobile operators, through the proposed system as applied to the option depicted schematically in the drawing, is illustrated by the following specific examples of its operation.

At the same time, an example of a specific implementation of the claimed utility model in relation to a system for carrying out settlement and monetary operations between subscribers of a network of one mobile operator (cellular communication), for example, “MTC-GSM”, or “Skylink”, or “Megaphone”, or “Bi GSM Line ”, the system shown in the drawing serves to serve network subscribers consisting of only“ Operator A ”.

Example 1

Subscribers (customers) of the unified settlement network: “Subscriber-A1” and “Subscriber-A2” are subscribers of one mobile operator -

14 of “Operator A”, and by their mutual consent, it is necessary to transfer funds from the account of “Subscriber-A1” to the account of “Subscriber-A2”.

In this case, the transfer of funds is carried out within (within) “Operator A” directly from the subscriber account 13 (IS *, 13 **) of “Subscriber-A1” to the subscriber account (not shown) of “Subscriber-A2” by using mobile phones 4, while the operation (operations) of the transfer of funds is carried out in a known manner using the standard buttons (standard set of programs) on the control panel of the mentioned mobile phones 4. After sending messages from the mobile phone 4 “Subscriber-A1” with the corresponding With the current information on the transfer of funds, the latter is sent to the settlement and coordination center - “RSC-A” 1, then to “RSC-A” 1 through the intranet coordination computer 2 and the database of 3 subscribers of “Operator A” they identify “Subscriber-A1 »And a comparative check of the status (value) of the monetary settlement balance of his subscriber account 13 (13 *, 13 **) and the size of the requested amount of the money transfer. If the amount of the money transfer amount indicated (requested) by “Subscriber-A1” is equal to or less than the size of the subscriber account (13) of “Subscriber-A1”, then a command is generated to write off (the money is written off) of the required (requested) amount from the subscriber account (13) “ Subscriber-A1 ”with the simultaneous development of a command to accrue (accrual) the same amount of money to the account (subscriber account) of“ Subscriber-A2 ”.

Thus, if the recipient of a money transfer or any other type of payment is a subscriber of the same telecom operator that is part of a single settlement network as the sender of the money transfer, then funds in the amount of the declared amount of the money transfer are transferred (transferred) in a known manner, for example, by intranet coordination computer included

the settlement and coordination center of the given operator, from the account of the sending subscriber to the account of the receiving subscriber, for example, from the subscriber’s account “Subscriber-A1” to the subscriber’s account “Subscriber-A2”, and it’s possible that the service provider will provide the service ( Operator A ”), will charge the appropriate commission set by him, for example, in an unapproved form from the first part 13 * of the subscriber’s personal account (13).

Example 2

Subscribers (customers) of the unified billing network: “Subscriber-A1” and “Subscriber-B1” are subscribers of different mobile communication operators - “Operator A” and “Operator B”, respectively, while by mutual agreement it is necessary to transfer funds from the account 13 (13 *, 13 **) of “Subscriber-A1” to the account 14 (14 *, 14 **) of “Subscriber-B1”.

The operation (operations) for the transfer of funds is carried out in a known manner using standard buttons (standard set of programs) on the control panel of the sender’s mobile phone 4 - “Subscriber-A1”. After sending from a mobile phone 4 “Subscriber-A1” a message with the relevant information on the transfer of funds (indicating the amount of the transfer), the latter is sent to the settlement and coordination center - “RSC-A” 1, then to “RSC-A” 1 through Intranet coordination computer 2 and the database of 3 subscribers of “Operator A” carry out the identification of “Subscriber-A1” and a comparative check of the status (value) of the monetary settlement balance of his subscriber account 13 (13 *, 13 **) and the size of the requested amount of money transfer. If the amount of the money transfer amount indicated (requested) by “Subscriber-A1” is equal to or less than the size of the subscriber account 13 (13 *, 13 **) of “Subscriber-A1”, then a command is generated to write off (the money is written off) of the required (requested) amount from of the subscriber account “Subscriber-A1” with the simultaneous generation of a command (message) on charging

the same amount of money to the account (subscriber account) of “Subscriber-B1”, which (message with information) through interconnected intra-network coordination computers 2 and 6 in an automated mode is transferred to the settlement and coordination center “RCC-B” 5 “Operator B” .

Since, in this case, the recipient of funds (“Subscriber-B1”) is a subscriber (client) of the telecommunications operator (“Operator B”), i.e. - other than the sender of funds (“Subscriber-A1”), which is a subscriber of the telecom operator - “Operator A”, then the transfer of funds at the initial stage is carried out within (within) “Operator A” - from the subscriber account 13 (13 *, 13 **) of the sender, i.e. “Subscriber-A1”, to the subscriber account 11 of the settlement and coordination center “RCC-A” 1 “Operator A”, which (“RCC-A” 1) in an automated mode, for example, through interconnected intra-network coordination computers 2 and 6, gives a command (transmits a message) to the RCC-B settlement center 5 “Operator B” 5 to write off and transfer a similar amount of money from the subscriber account 12 of the RCC-B settlement center 5 to the subscriber account 14 (14 *, 14 **) of the recipient, i.e. “Subscriber-B1”, which receives on its subscriber account 14 (in its second part - 14 **) the amount of money - strictly in the amount of the money debited (as indicated above) from the subscriber account 13 (13 *, 13 * *) sender, i.e. "Subscriber-A1." After that, the settlement and coordination center “RCC-B” 5 of “Operator B”, through interconnected intra-network coordination computers 6 and 2, transmits a command (transmits a message) to the settlement and coordination center “RCC-A” 1 of “Operator A” on accrual the corresponding amount of money to the account (subscriber account) of "Subscriber-B1", i.e. a feedback mode is implemented according to the results of a settlement and money transaction that has already been completed to confirm its completion;

the coordination center “RCC-A” 1 transmits a message to the mobile phone 4 of “Subscriber-A1” - the sender of the completion of the transaction to transfer funds to the account 14 (14 **) of the recipient - “Subscriber-B1”. After that, “RCC-A” 1 and “RCC-B” 5 send to “GRKC” 9 (in its computer device 10) the final information about the completion of the money transfer operation, where it is received and archived in a known manner by means of appropriate known programs.

In this case, the funds are redistributed between subscribers only within their own telecom operator, as if not leaving the general account of this own telecom operator, which is fundamentally important for each of the telecom operators included in a single settlement network. In the conditions of the practical operation of the claimed system for performing this operation, a single settlement network through the use of subscriber accounts 11 and 12 of “RCC-A” 1 and “RCC-B” 5, respectively, can receive a certain, predetermined fee (% of the transferred amount) .

Example 3

If the subscriber who received the money, for example, in the second case, “Subscriber-B1”, wants to transfer part or all of the money from his subscriber account 14 (14 *, 14 **) inside the “Operator B” to his previously provided settlement an account (not shown) in a credit and payment (banking) institution 16, for example, a partner bank of a single settlement network, for this he (“Subscriber-B1”) can use his mobile phone 8 directly, while money transfer transaction (s) are controlled in a known manner using the standard buttons (standard set of programs) on the control panel of the mentioned mobile phone 8. After sending a message with the relevant information about the money transfer from the mobile phone 8 “Subscriber-B1”, the last sent to settlement and coordination

the center - “RCC-B” 5, then in “RCC-B” 5 through an intranet coordination computer 6 and a database of 7 subscribers of “Operator B” carry out the identification of “Subscriber-B1” and a comparative check of the status (value) of its monetary balance subscriber account 14 (14 *, 14 **) and the amount claimed for transfer to the partner bank 16 money. Then, if the amount claimed for the transfer by “Subscriber-B1” is equal to or less than the size of the subscriber account (14) of “Subscriber-B1”, then a command is generated to write off (debit) the required amount from the subscriber account (14) of “Subscriber-B1” and charging it to the subscriber account 12 of the RCC-B settlement and coordination center 5, after completion of this operation, the on-net coordination computer 6 gives a command (sends a message) to the computer device 10 for electronic payments of the main settlement and coordination center ( “GRKTS”) 9, which, for example, using the well-known “Bank-Client” system, transfers the indicated amount of money from its pre-formed bank account 15 in a credit and payment institution (authority) 16 to a pre-arranged bank account (not shown in the drawing) “Subscriber-B1” in the same credit and payment institution 16 (or, at the request of the subscriber, in any other credit and payment institution) or its plastic card in the same (or any other) credit and payment institution. At the same time, the replenishment of the bank account 15 of the main settlement and coordination center (“SRCC”) 9 will be carried out at the expense of the interconnected subscriber accounts of 11 and 12 settlement and coordination centers: “RCC-A” 1 and “RCC-B” 5, accordingly, telecom operators included in a single settlement network, ie: “Operator A” and “Operator B”.

Example 4

If the subscriber, for example, “Subscriber-B1”, wants to replenish his subscriber account 14 (14 *, 14 **) inside “Operator B” (or any other subscriber account) by transferring funds from his

settlement account (not shown) in a credit and payment (banking) institution 16, for example, a partner bank of a single settlement network, or with its plastic card, then for this he (“Subscriber-V 1”) can use his mobile phone directly 8, while the operation (operations) of the transfer of funds is carried out in a known manner using the standard buttons (standard set of programs) on the control panel of the mentioned mobile phone 8. After sending messages from the mobile phone 8 “Subscriber-B1” with the relevant information on the transfer of funds, the latter is sent to the settlement and coordination center - “RCC-B” 5, then to “RCC-B” 5 through the intranet coordination computer 6 and the database of 7 subscribers of “Operator B” they carry out the identification of “Subscriber- B1 ", after its completion, through an intranet coordination computer 6 and an interconnected computer device 10 for electronic payments of the main settlement and coordination center (" SRCC ") 9, a team is generated based on In addition, they transfer the indicated amount of money from the settlement account (not shown) of “Subscriber-B1” in a credit and payment (banking) institution 16, for example, a partner bank of the unified settlement network, to a pre-formed bank account 15 of “GRCC” 9 in to a credit and payment institution (authority) 16, after which, using the coordination computer 6, “RCC-B” 5 generates a command to transfer the equivalent amount of money from subscriber account 12 “RCC-B” 5 to subscriber account 14 (to its second part - 14 **) “Subscriber-B1”.

In the future, if the “level” (total amount of money) of the subscription account 12 of “RCC-B” 5 falls below a specific value calculated in advance and established by agreement with the telecom operator (“Operator B”), then the subscriber account 12 may be replenished by the command "GRKTS" 9 through the use of

interconnected bank account 15 "GRKTS" 9 in a credit institution (body) 16.

If the “level” of the subscriber account 12 “RCC-B” 5 rises above a specific value calculated in advance and established by agreement with the telecom operator, then from this subscriber account, by the command “GRKC” 9, the bank account 15 “GRKC” 9 is credited - a payment institution (authority) 16 by writing off and transferring monetary amounts in excess of the “level” previously agreed upon with the telecom operator.

Claims (4)

1. A system for carrying out settlement and monetary operations between subscribers of the networks of one or more mobile communication operators connected via personal communication devices in the form of mobile phones, each of which is equipped with a pre-formed personal subscriber account within its own communication operator, and within the network of each of the operators a separate settlement and coordination center is provided for communications, made in the form of an intranet coordination computer interconnected with the electronic database of the subscriber the network of this operator, while the system is additionally equipped with at least one gateway main settlement and coordination center, made in the form of a computer device for electronic payments, connected to the settlement and coordination center of each of the communication operators in a single settlement network, and settlement -coordination centers of the aforementioned telecom operators of a single settlement network are interconnected by means of their intranet computers and equipped with pre-formed intranet settlement accounts, each of which is made in the form of a subscriber account of the corresponding settlement and coordination center inside its mobile operator, characterized in that the personal subscriber account of each of the subscribers is formed in electronic form in such a way that it consists of two separate parts, one of which is made with the possibility of electronic acceptance of direct withdrawal of funds to pay for the services of the operator, and the other with the ability to manage the replenishment, withdrawal and transfer of money x means only directly by the subscriber, the owner of a personal account, for example by means of SMS - messages through the subscriber's mobile phone, with both parts of the score are interconnected electronically with the help of computer-net focal corresponding service provider. 2. The system according to claim 1, characterized in that the unified billing network is equipped with at least one pre-established credit and payment institution, for example, a partner bank of the network, and the gateway main settlement and coordination center is connected, for example, via mobile telephone, with a device for electronic payments of the latter. 3. The system according to claim 1, characterized in that each of the telecom operators of a single settlement network is equipped with a credit institution in advance, for example, a partner bank of the telecom operator, while its (operator) settlement and coordination center is connected, for example, via a mobile telephone communication with the device for electronic payments of the relevant credit and payment institution, and at least one of them is interconnected with the main gateway settlement and coordination center. 4. The system according to claim 2 or 3, characterized in that the personal communication devices are connected to settlement and coordination centers, for example, one of the operators included in a single settlement network, by means of paging communications and made in the form of personal pagers.