WO2014092594A1

WO2014092594A1 - Method for making payments

Info

Publication number: WO2014092594A1
Application number: PCT/RU2012/001050
Authority: WO
Inventors: Геннадий Александрович ОЛЕЙНОВ
Original assignee: Oleynov Gennady Aleksandrovich
Priority date: 2012-12-11
Filing date: 2012-12-11
Publication date: 2014-06-19

Abstract

A method for making payments, in which standardized, identical electronic devices capable of connecting to a control device with a calculator are used as monetary mediums. The transfer of money during a payment can be effected only from one such standardized device to another, thus making it possible to protect said devices from tampering. The required amount is provisionally transferred from a storage device to the temporary issuing memory of the transmitting standardized device, and the receiving standardized device is switched to receive mode. When the two standardized devices come into contact, their identity is verified using a "friend or foe" system and the amount is then transferred from the transmitting standardized device to the receiving device by means of the amount in question being written to the receiving memory of the receiving device. The amount subsequently passes via a taxation element, where a tax is deducted therefrom, to the storage device of the receiving standardized device.

Description

METHOD OF PAYMENT PRODUCTION.

Known methods of making cash payments in the form of paper banknotes. This money is the basis for the stable existence of economies and States. For the latter, an important point for existence is the receipt of tax payments from the population (subject to wise disposal of them). There are also payment systems in electronic form, for example, in the form of credit cards. But the latter, in essence, are debt instruments for which paper notes can be issued.

With all existing payment systems, complex accounting and control systems are required involving a large number of people for tax collection. For example, as per patent RU 2060540 C1, where even electronic payment requires complex interaction with the Bank and the Tax Service.

All the payment methods known so far are vulnerable both from unauthorized interference with payment processes and from tax evasion. Paper notes are not fully protected from counterfeiting.

The aim of this invention is to remedy these disadvantages, in particular the simplification of tax fees for any movements of money. What is achievable with a technical reorganization of the payment system.

Carriers of funds, according to this invention, are special unified electronic devices that are identical in internal content, hardware and software, which are controlled through a variety of electronic devices with calculators that are connected to them. Such carriers of funds are proposed to be called “GOLITS”. Cash, in electronic form, is transferred only between two “GOLITS” and their purpose is replacement cash in the form of paper banknotes. Each of the “GOOLITS” contains, in particular, the following functional elements: a storage device, a temporary issuance memory, a contact device, a reception memory and an element of tax fees. The transfer of funds from the giving “GOLIT” to the receiving occurs with a certain sequence of actions with mechanical contact. At the beginning, using the control calculator, the amount of issuance is set on one, the giver, “GOAL”, by removing it from the storage device and transferring it to the temporary memory of the issue. The other, the taker, “GOOLIT” is transferred to the reception mode of this or indefinite (donation or gift collection mode) amount in the reception memory block. After such preparation, the “GOOLITS” mechanical contact is made, during which the acceptance and transfer act takes place, consisting of a preliminary determination of the identity of both “GOOLITS” using the “friend or foe” system and, further, the transfer of the amount from the temporary memory of issuing one “GOOLIT” "In memory of receiving another. Back this amount can be given out for some time to the “GOLIT” giver. Further use of the amount is possible only after transferring it from the reception memory to the storage device. But such a transfer is made in a reduced form at the interest rate of the tax. Through the tax unit’s own computing unit. After that, the amount already reduced by tax and transferred to the storage device is ready for further use or storage. Tax fees are simply cleared to GOLIT, thereby reducing the total amount of money in circulation, and the difference is constantly replenished by the Ministry of Finance from its GOLIT, which has the ability to enter the amount through a special system.

The drawing illustrates this proposal.

Here, in Fig.1, a diagram of the pre-contact position of “GOOLITS” with a calculator.

Figure 2 is a diagram explaining the passage of money. Proposed. a method of making payments is possible if there are standardized and identical payment devices - “GOOLITS” 1 and 2 (FIG. 1) with docking pins 3 for connecting to various electronic control devices, schematically shown in FIG. 1 as a calculator 4. “GOOLITS” 1 and 2 have protrusions 5 for mechanical contact with each other, for example, with a helical movement. Each “GOOLIT”, within itself, contains functional elements, for example in the form of micro- or nanoschemes. This should be: a storage device 6, for example with several memory cells, (figure 2), temporary memory issuance 7, contact device 8, memory reception 9, the element of tax fees 10.

Each transfer of funds is possible only from one, giving, “GOLIT” to another, taking, when managing them using calculators of electronic devices. To do this, the following actions are performed:

In the giving “GOOLIT” 1 (FIG. 2), the required amount is transferred from the storage device 6 to the temporary memory of the issuance 7. “GOOLIT” 2 is made ready to receive this or an undefined amount. Next, mutual mechanical contact is made, with some screw movement, by the protrusions 5 (Fig. 1), during which, previously, the contact devices 8 (Fig. 2) determine the identity of “GOOLITS” using the “friend or foe” system. After confirming it, the amount is transferred from the temporary memory of issuing 7 “GOLIT” 1 to the memory of receiving 9 “GOLIT” 2 with the possibility of the reverse process, i.e. returning the amount only for a short time and with a limited storage time of the receipt 9. Finally, the amount from the reception 9 arrives in the storage device 6, but only after passing through the computer system of the tax collection device 10, i.e. in the form reduced by tax. After the transfer of the amount from the GOLIT storage device 6 to the GOLIT storage device 6 and the collection of tax, 2 the payment is completed, and the GOLIT storage is ready for further work or storing electronic money. Unauthorized interference is prevented by the mechanical contact of “GOOLITS”, in which there is no electromagnetic or other radiation and the transmission takes place at the resonant frequencies of their internal cavities or circuits with a specific shape and filling with their passwords and programming language, including a numerical system, etc.

The existing system of payments leads to the fact that the collection of taxes is justified mainly from large companies that collect money from the population on the pretext of providing the necessary, but no longer needed services. This leads to a large concentration of working People near large Amounts or Cash Flows, for example, during the implementation of a Project (not to mention the withdrawal of money in various fraudulent ways). This, in particular, leads to pollution of Nature, a high concentration of People in Megacities, the construction of obstacles for interesting alternative ways of generating energy, etc.

The proposed method allows to significantly increase the organizing beginning of the State in the activities of People. You can personalize the “GOOLITS”, for example, by fingerprints, divide the “GOOLITS” of individuals and legal entities. Bank “GOOLITS” is divided into two types - one with the possibility of accepting only small amounts and issuing the entire amount from the storage device in one contact, for example, in a day, and the other with the possibility of accepting a large amount in one agreed time period, and issuing in small amounts and etc. In case of loss, equip them with a search engine.

Claims

CLAIM .

1. The method of making payments, consisting in the fact that the carriers of money are unified electronic devices with the name “GO LIT”, which are identical in content, in particular in micro- or nanocircuits, and have connecting elements to control electronic devices, and each the transfer of the amount of money occurs only between two such devices in the sequence of the initial preparation of the giving “GOLIT” and the receiving, subsequent contact, mainly mechanical, with the definition of identity according to the scheme “foreign” and the final transfer of money to the host “GOLIT” minus tax deductions, mainly due to their zeroing.

2. The method of making payments according to claim 1, with the fact that each “GOOLIT” contains, as functional elements, at least a storage device, temporary issuance memory, contact device, memory the receipt, the element of tax fees, and when making the payment, the required amount is extracted from the storage device and transferred to the temporary memory of the receiving “GOLIT”, while the receiving “GOLIT” is put into the mode of receiving the amount to the receiving memory, after which both “ GOLITA ”are brought into contact or in contact using their contact devices, during which their identity is determined, according to the “friend or foe” scheme, and transferring the amount of money from the temporary memory of the giving “GOOLIT” to the receiving memory of the receiver with the complete completion of the process after transferring the amount from the receiving memory to the storage device through the element tax collection, reducing the amount by the amount of tax collection.