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WO1996018981A1 - Procede d'execution d'operation de compensation financiere et systeme associe - Google Patents

Procede d'execution d'operation de compensation financiere et systeme associe Download PDF

Info

Publication number
WO1996018981A1
WO1996018981A1 PCT/RU1994/000273 RU9400273W WO9618981A1 WO 1996018981 A1 WO1996018981 A1 WO 1996018981A1 RU 9400273 W RU9400273 W RU 9400273W WO 9618981 A1 WO9618981 A1 WO 9618981A1
Authority
WO
WIPO (PCT)
Prior art keywords
signal
subscriber
τem
information
account
Prior art date
Application number
PCT/RU1994/000273
Other languages
English (en)
Russian (ru)
Inventor
Azar Mamedovich Takhiri
Igor Jurievich Kamshitsky
Vladimir Anatolievich Levitin
Alexandr Ivanovich Levchenko
Jury Anatolievich Prokofiev
Vilyam Karpovich Saryan
Evgeny Nikolaevich Trofimov
Jury Mikhailovich Bolovintsev
Konstantin Zakharovich Kochuashvili
Jury Alexandrovich Bobyr
Oleg Vitalievich Zakharov
Andrei Zinovievich Prokip
Sergei Vladimirovich Kozlovsky
Original Assignee
Aktsionernoe Obschestvo Zakrytogo Tipa 'blits-Tsentr'
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 Aktsionernoe Obschestvo Zakrytogo Tipa 'blits-Tsentr' filed Critical Aktsionernoe Obschestvo Zakrytogo Tipa 'blits-Tsentr'
Priority to PCT/RU1994/000273 priority Critical patent/WO1996018981A1/fr
Priority to AU19043/95A priority patent/AU1904395A/en
Priority to RU95114548/09A priority patent/RU2096826C1/ru
Publication of WO1996018981A1 publication Critical patent/WO1996018981A1/fr

Links

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Definitions

  • the method of transferring cash is non-cash ⁇ physical transactions are included in the calculation, which in the calculation and payment process
  • FIGURE 4 A functional diagram of the circuitry of the data transmission type "gone ⁇ ⁇ ⁇ " "" transmit mode.
  • 2C is supported by all data registered with all registered clients, but not all of them. With this, is there a lack of availability in the account of each service account for a service account? 6, as a result of calculating 5, as a result of a parallel connection to a power supply unit.
  • 25 ⁇ CURRENTLY calculated auxiliary 2 2 can be ⁇ ⁇ rect lane lane,,,,, C, . ⁇ s ⁇ elnye uely ⁇ ssnasha- ' ⁇ sya m ⁇ g ⁇ - ⁇ S ⁇ Y ⁇ I ⁇ la ⁇ m ⁇ ⁇ i ⁇ " ⁇ g ⁇ e ⁇ ;" che ⁇ ez ⁇ s ⁇ ye ⁇ sl ⁇ lyuchayu ⁇ sya
  • the net center of 2 is directly affected by the rate of communication (that is, by a separate telecom channel) with a center of 3 cycles of inductance. This allows you to follow the links to the information in the event that
  • the signal is protected by the influence of the signal.
  • the 25th bank installs for negatives, restricting its payments to the client, while there is a limited charge, ⁇ also limits the withdrawal. In this way, the bank's bank account is cleared by the client cashless.
  • the ZS will be taken into account by the calculator of the calculation of the second circuit II and the system of the telecom communication will be eliminated from all the errors.
  • the unit has a quick selectable shutter, which registers with a block of 7 ideals, which is quick

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 Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Nitrogen And Oxygen Or Sulfur-Condensed Heterocyclic Ring Systems (AREA)

Abstract

Afin d'exécuter des opérations de compensation financière dans un centre comptable et de service (1), un signal identifiant l'abonné et déterminant la disponibilité ainsi que le montant des fonds se trouvant sur le compte bancaire de l'abonné est produit. Une fois que l'abonné a terminé l'opération financière, un signal correspondant à la somme de l'opération est produit et transmis par un canal de transmission au centre comptable (2) où les informations sont utilisées pour modifier le solde du compte, les données relatives au nouveau solde étant transmises par un canal de transmission séparé au centre (3) de diffusion de données d'où elles sont diffusées par un liaison de radiocommunication à tous les centres comptables et de service, où les informations concernant le nouveau solde remplacent les anciennes informations. Le résultat technique de l'invention est un fonctionnement en 'temps réel' du système et une amélioration importante du degré de protection contre une utilisation non autorisée. Le résultat technique est obtenu à l'aide d'une alternative au procédé connu d'identification d'abonnés (basé sur une carte électronique) impliquant l'utilisation de caractéristiques biophysiques de l'abonné par exemple, à l'aide de l'unité (7) à 'touche manuelle', laquelle produit des signaux de télémétrie relatifs aux paramètres du poignet d'un utilisateur, et à l'aide d'un signal radio ou de télévision normal en tant que liaison de transmission sans fil, utilisant par exemple les centres 'TV-info' (16, 17, 18), le signal d'information étant porté par la partie active des lignes libres de l'impulsion de suppression des champs de signaux d'image TV.
PCT/RU1994/000273 1994-12-14 1994-12-14 Procede d'execution d'operation de compensation financiere et systeme associe WO1996018981A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
PCT/RU1994/000273 WO1996018981A1 (fr) 1994-12-14 1994-12-14 Procede d'execution d'operation de compensation financiere et systeme associe
AU19043/95A AU1904395A (en) 1994-12-14 1994-12-14 Method of carrying out financial clearing operations and an associated system
RU95114548/09A RU2096826C1 (ru) 1994-12-14 1994-12-14 Система для проведения безналичных финансовых операций и способ проведения безналичных финансовых операций

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU1994/000273 WO1996018981A1 (fr) 1994-12-14 1994-12-14 Procede d'execution d'operation de compensation financiere et systeme associe

Publications (1)

Publication Number Publication Date
WO1996018981A1 true WO1996018981A1 (fr) 1996-06-20

Family

ID=20129893

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU1994/000273 WO1996018981A1 (fr) 1994-12-14 1994-12-14 Procede d'execution d'operation de compensation financiere et systeme associe

Country Status (3)

Country Link
AU (1) AU1904395A (fr)
RU (1) RU2096826C1 (fr)
WO (1) WO1996018981A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile
WO1999000773A1 (fr) * 1997-06-27 1999-01-07 Swisscom Ag Procede de transaction mis en oeuvre au moyen d'un appareil mobile
RU2279134C2 (ru) * 2004-07-14 2006-06-27 Открытое акционерное общество "Нижнекамскнефтехим" Система управления кредитно-финансовыми операциями химико-технологического предприятия
US10339746B1 (en) 1999-08-10 2019-07-02 Gofigure Payments, Llc Mobile device for making a mobile payment

Families Citing this family (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB9509582D0 (en) * 1995-05-11 1995-07-05 Jonhig Ltd Value transfer system
RU2126169C1 (ru) * 1997-12-03 1999-02-10 Веселов Владимир Федорович Способ защиты частной информации пользователя коллективной системы обработки информации
RU2146836C1 (ru) * 1998-04-13 2000-03-20 Коммерческий банк "Платина" в форме товарищества с ограниченной ответственностью Система для управления совершением сделок
RU2184394C2 (ru) * 1998-05-27 2002-06-27 Дайболд, Инкорпорейтед Устройство, содержащее автоматический банковский аппарат
RU2150143C1 (ru) * 1998-06-17 2000-05-27 Веселов Владимир Федорович Способ актуализации информации для ее обработки в информационной системе
RU2136058C1 (ru) * 1998-08-04 1999-08-27 Павлов Валерий Икарович Способ проведения финансовых и рекламных операций
RU2138848C1 (ru) * 1998-09-03 1999-09-27 Тухватуллин Рустем Саидович Способ проведения платежа через коммуникационную сеть
RU2157001C2 (ru) * 1998-11-25 2000-09-27 Закрытое акционерное общество "Алкорсофт" Способ проведения платежей (варианты)
DE19903822C2 (de) * 1999-02-02 2001-09-20 Mathias Entenmann Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
AU761324B2 (en) * 1999-07-06 2003-06-05 Dana B. Duncan On-line interactive system and method for transacting business
AR029173A1 (es) * 1999-07-20 2003-06-18 Diebold Inc Metodo para el desarrollo de cajeros automaticos
RU2172014C2 (ru) * 1999-09-20 2001-08-10 Ветошкин Андрей Леонидович Способ осуществления денежных расчетов
DE19946537A1 (de) * 1999-09-28 2001-04-05 Deutsche Telekom Mobil Verfahren zur Abrechnung von Internet-Dienstleistungen über Mobilfunk
AUPQ556600A0 (en) * 2000-02-14 2000-03-02 Ong, Yong Kin (Michael) Electronic funds transfers-zipfund
RU2161818C1 (ru) * 2000-03-09 2001-01-10 Общество с ограниченной ответственностью "Интент" Способ оплаты товаров и услуг в сети интернет
RU2174255C1 (ru) * 2000-07-10 2001-09-27 Московское конструкторское бюро "Электрон" Система электронных безналичных взаиморасчетов
RU2181499C2 (ru) * 2000-07-14 2002-04-20 Сахаров Виктор Борисович Способ осуществления торгов
RU2171495C1 (ru) * 2000-08-15 2001-07-27 Волик Александр Юрьевич Способ продажи товаров и услуг (варианты), система для его реализации
MXPA03003041A (es) * 2000-10-06 2004-12-06 Trading Technologies Int Inc Comercializacion con despliegue de profundidad y precio de mercado.
RU2181216C1 (ru) * 2000-10-17 2002-04-10 Закрытое акционерное общество "Компания "Русский Стандарт" Способ принятия решений в сфере кредитования (скоринг) и система для его реализации
GB2410113A (en) * 2004-11-29 2005-07-20 Morse Group Ltd A system and method of accessing banking services via a mobile telephone

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB1505718A (en) * 1974-04-20 1978-03-30 Omron Tateisi Electronics Co Systems for automatically debiting accounts
WO1985002744A1 (fr) * 1983-12-09 1985-06-20 Zenith Electronics Corporation Acces aux heures de pointe dans un systeme conflictuel de television par cable (catv) a deux voies
GB2181582A (en) * 1985-10-11 1987-04-23 Victor Campbell Blackwell Personal identification device
EP0254595A2 (fr) * 1986-07-25 1988-01-27 Trintech Limited Vérificateur de carte de crédit
EP0379333A1 (fr) * 1989-01-17 1990-07-25 Marcel Albert Graves Système de sécurité pour transmission de données
GB2247551A (en) * 1990-08-24 1992-03-04 Hitachi Maxell Banking terminal
DE4128809A1 (de) * 1991-08-30 1993-03-04 Khs Verpackungstechnik Gmbh Vorrichtung zum entladen von paletten
WO1993016441A1 (fr) * 1992-02-10 1993-08-19 Groetzinger, Robert Dispositif et procede d'identification biometrique
US5291560A (en) * 1991-07-15 1994-03-01 Iri Scan Incorporated Biometric personal identification system based on iris analysis
GB2273375A (en) * 1992-12-08 1994-06-15 Tri Plus Technology Corp System for printing and processing financial documents

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB1505718A (en) * 1974-04-20 1978-03-30 Omron Tateisi Electronics Co Systems for automatically debiting accounts
WO1985002744A1 (fr) * 1983-12-09 1985-06-20 Zenith Electronics Corporation Acces aux heures de pointe dans un systeme conflictuel de television par cable (catv) a deux voies
GB2181582A (en) * 1985-10-11 1987-04-23 Victor Campbell Blackwell Personal identification device
EP0254595A2 (fr) * 1986-07-25 1988-01-27 Trintech Limited Vérificateur de carte de crédit
EP0379333A1 (fr) * 1989-01-17 1990-07-25 Marcel Albert Graves Système de sécurité pour transmission de données
GB2247551A (en) * 1990-08-24 1992-03-04 Hitachi Maxell Banking terminal
US5291560A (en) * 1991-07-15 1994-03-01 Iri Scan Incorporated Biometric personal identification system based on iris analysis
DE4128809A1 (de) * 1991-08-30 1993-03-04 Khs Verpackungstechnik Gmbh Vorrichtung zum entladen von paletten
WO1993016441A1 (fr) * 1992-02-10 1993-08-19 Groetzinger, Robert Dispositif et procede d'identification biometrique
GB2273375A (en) * 1992-12-08 1994-06-15 Tri Plus Technology Corp System for printing and processing financial documents

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
LIPIS A. et al., "Ehlektronnaya Sistema Denezhnykh Raschetov", 1988, Financy i Statistika (Moskva), pages 30-33. *

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile
WO1999000773A1 (fr) * 1997-06-27 1999-01-07 Swisscom Ag Procede de transaction mis en oeuvre au moyen d'un appareil mobile
US8165965B2 (en) 1997-06-27 2012-04-24 Swisscom Ag Transaction method with a mobile apparatus
US10339746B1 (en) 1999-08-10 2019-07-02 Gofigure Payments, Llc Mobile device for making a mobile payment
RU2279134C2 (ru) * 2004-07-14 2006-06-27 Открытое акционерное общество "Нижнекамскнефтехим" Система управления кредитно-финансовыми операциями химико-технологического предприятия

Also Published As

Publication number Publication date
AU1904395A (en) 1996-07-03
RU2096826C1 (ru) 1997-11-20

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