RU113575U1 - UNIVERSAL TERMINAL PAYMENT SYSTEM "ELECTRONIC RECEIPT" - Google Patents

Abstract

Universal terminal self-service payment system "Electronic receipt", including a central server associated with the terminals, configured to store and update the database of payees and individual databases of payers, and each terminal contains a bill acceptor and / or coin acceptor, a fiscal recorder, a sensor input device , a device for displaying information on the screen, a communication unit of the terminal with a central server, a payer identification device capable of reading magnetic identification and / or bank cards of payers, a computing device capable of generating, storing and updating a database of payees and individual databases payers, characterized in that it additionally contains a device for issuing bills and / or coins, the payer identification device is made with the possibility of biometric identification of the payer, identification by contact smart cards and identification at the payer's address entered together with the password through a sensor input device, and the computing device is configured to generate a database of recipients of payments and individual databases of payers by recipients of payments, as well as generate invoices for consumed services in the form displayed on a device for displaying information on the screen of electronic receipts, on the basis of which payment is made.

Description

The utility model relates to automatic information and payment systems using a network of touch terminals and can be used to make payments and / or transactions, preferably for utilities and utilities, as well as for services of various kinds, for example, communication services, tax payments, etc. P.

A universal self-service terminal payment system is known, including a central server connected to the terminals, capable of storing and updating the database of payment recipients and individual payer databases, and each terminal contains a bill acceptor and / or coin acceptor, a fiscal registrar, a touch input device, an output device information on the screen, the communication unit of the terminal with the central server, the payer identification device configured to read anija identification cards payers and / or the device to read bank cards, the computing device configured to process information received from the payer and the central server (see. Russian patent for invention №2256215, IPC G06F 17/60, publ. 10.07.2004). The disadvantages of the known terminal payment system include the insufficient degree of protection of the system against unauthorized access, the inconvenience of payers access to the system, due to the possibility of using a small number of methods of identification of the payer, as well as the limited functionality associated with the ability to service only those payers who are able to make cash payment without receiving change. In addition, the known system has a low speed due to the fact that information about the payment, before entering the computing device of the terminal, must arrive at the central server, and such a procedure may require considerable time.

The closest in technical essence to the proposed one is a universal terminal payment system of self-service, including a central server connected to the terminals, configured to store and update the database of payees and individual payer databases, and each terminal contains a bill acceptor and / or coin acceptor, a fiscal registrar, device for touch input of information, device for displaying information on the screen, communication unit of the terminal with the central server, device ID payer authentication, configured to read payer identification cards and / or a bank card reader, a computing device configured to generate, store and update a payee database and individual payer databases (see RF patent No. 95417 for utility model, IPC G07F 19/00, published on June 27, 2010). The disadvantages of the known terminal payment system include the insufficient degree of protection of the system against unauthorized access, the inconvenience of payers access to the system, due to the possibility of using a small number of methods of identification of the payer, as well as the limited functionality associated with the ability to service only those payers who are able to make cash payment without receiving change. In addition, in the known system, the payer, at least once, by manually entering information, you must enter the details necessary for making the payment, which increases both the complexity of the payment and the likelihood of entering erroneous information.

The proposed utility model is aimed at solving the problem of expanding the functionality of a universal terminal payment system of self-service, increasing the degree of protection of the system against unauthorized access and ease of use of the system, as well as reducing the complexity of payment and the probability of entering erroneous information.

This problem is solved in that a universal terminal payment system of self-service, including a central server connected to the terminals, is configured to store and update the database of payees and individual payer databases, each terminal containing a bill acceptor and / or coin acceptor, a fiscal registrar, a touch device information input, information output device on the screen, terminal communication unit with a central server, payer identification device, execution capable of reading payer identification cards and / or a device for reading bank cards, a computing device configured to generate, store and update a database of payees and individual payer databases further comprises a device for issuing bills and / or coins, an identification device the payer is configured to biometric identification of the payer, identification by contactless smart cards and identification at the payer's address, entered together with the password via the touch input device, and the computing device is configured to form the payees database of payees and individual payer databases, as well as generate bills for consumed services in the form of electronic receipts, on the basis of which payment is made.

The presence in the universal terminal payment system of self-service of a device for issuing banknotes and / or coins expands its functionality due to the fact that it is possible to service those payers who are not able to make a cash payment without receiving change.

The implementation of the payer identification device with the possibility of biometric identification of the payer increases the degree of protection of the system from unauthorized access and the convenience of using the system since, on the one hand, the biometric identification system itself has a high degree of protection, and on the other hand, it does not require the identification of the payer any artificial identification code carriers.

The implementation of the payer identification device with the ability to identify contactless smart cards, such as, for example, Mifare EM Marine cards, increases the usability of the system and expands its functionality due to the possibility of identifying the payer using this type of widespread card. Such cards are used, for example, as a Muscovite social card, student card, discount cards, cards restricting access to the room and accounting for working hours, payments for utilities and other services, etc.

The implementation of the payer identification device with the possibility of identification by the payer address, entered together with the password through the touch input device, also improves the usability of the system and expands its functionality due to the possibility of identifying the payer without any artificial carriers of the identification code.

The implementation of a computing device with the possibility of payment recipients forming a database of payment recipients and individual databases of payers eliminates the use of manual input by payers of information or details necessary for making a payment, which reduces both the complexity of the payment and the likelihood of entering erroneous information.

The implementation of the computing device with the ability to generate bills for the consumed services in the form of electronic receipts displayed on the output device on the screen of the payment, on the basis of which payment is made, increases the usability of the system, and also reduces the complexity of the payment and the likelihood of entering erroneous information due to the fact that the payer receives reliable information about the amount of payment, debt, the amount of resources consumed, etc., and is able to enter any information without manually entering On the touch screen, make the required payment, and if necessary, print the electronic receipt.

In Fig.1 presents a structural diagram of a universal terminal payment system of self-service, and in Fig.2 - its functional diagram.

A universal terminal self-service payment system includes a central server 3 connected by means of a terminal communication unit 1 with, for example, a modem, terminals 2, a central server 3 configured to store and update a database of payees and individual payer databases. Each terminal 2 contains a bill acceptor 4 and / or a coin acceptor 5, a fiscal registrar 6, a device 7 for sensory input of information, for example, a touch screen, device 8 for displaying information on a screen, for example, a monitor. Each terminal 2 also contains a device 9 for issuing notes, made, for example, in the form of a dispenser, similarly to devices of a similar type in ATMs, and / or a device 10 for issuing coins, made, for example, in a hopper, similarly to devices of a similar type in ATMs. The payer identification device includes a device 11 for reading magnetic identification and / or bank cards of payers, a device 12 for reading contactless smart cards, a device 13 for biometric identification, for example, by fingerprint, hand, iris, etc. . All of these devices 11, 12, 13 by themselves are widely known and used in a wide variety of access systems with user identification. Also, the payer identification device is configured to be identified by the payer address in such a way that the payer enters his address and dials his password through the sensor information input device 7, and the payer is identified by the results of processing these data.

Each terminal 2 contains a computing device 14, for example, a computer, which is connected to all of the above devices and ensures the operation of the entire hardware and software complex of terminal 2 and transmits information to the central server 3. Moreover, the computing device 14 is configured to generate a database of payment recipients payees and individual payer databases, as well as billing for consumed services in the form of information displayed on the output device and the screen of electronic receipts, on the basis of which payment, storage and updating of the database of payees and individual payer databases is carried out.

Universal terminal self-service payment system operates as follows.

Preliminarily, for example, on the basis of agreements concluded with the management company or other payment recipients, the company servicing the system on the basis of information received directly from the payment recipients, a database of payment recipients, including utility ones, is formed, which contains the details of payment recipients necessary for making payments, for example, address, current account, TIN, etc., as well as individual payer databases containing its address, personal account, amount of resources consumed , The amount of debt, etc. That is, in essence, these databases are formed by the payees themselves. Moreover, in the database of payees, there may also be data from payees who do not form individual payer databases. These databases are available both in the computing device 14 of each terminal 2, and in the central server 3.

Before the payment transaction is carried out identification of the payer, which can be carried out as follows.

When identifying the address, the payer enters his address and dials his password through the sensor device 7 for entering information, and according to the results of processing these data, the payer is identified in the computing device 14.

When identifying by magnetic identification and / or bank cards of payers, the corresponding card is passed through a device 11 for reading magnetic identification and / or bank cards of payers, which reads information from the card and makes identification of the payer.

When identifying by contactless smart cards, the payer applies this card to the device 12 for reading contactless smart cards, which reads information from the card and identifies the payer.

During biometric identification in the biometric identification device 13, a biometric parameter scanner reads these parameters of the payer, for example, fingerprints, hand, iris, face geometry, etc., compares with the parameters stored in its database, based on such analysis identification of the payer.

The identification of the payer can be made both by using any of the above four methods of identification, and by, for example, the mandatory use of two or three of them, or even the mandatory use of all four.

After identification of the payer, information about which is received in the computing device 14, information about the payer is transmitted from the individual database of the payer. On the device 8 output information on the screen displays data on bills for consumed services, which are formed in the form of electronic receipts, on the basis of which payment is made. If desired, the payer can print an electronic receipt. Also, the payer has the opportunity to see the history of the movement of funds in the personal account. Moreover, the payer has the opportunity to only partially pay the invoice, which will be further taken into account in calculating the debt.

Payment in cash is carried out using a bill acceptor 4 and / or a coin acceptor 5, which operate in the usual way for payment terminals.

When paying by non-cash means, the payer through the device 7 of the touch input of information gives a command about non-cash payment and in the fields that appear, enters the credit card number from which the funds will be debited, as well as the CSV code.

After the signal given by the payer by pressing the “Pay” function key on the touch input device 7, the bill acceptor 4 and / or the coin acceptor 5 send a signal to the computing device 14, in which the calculation processes for the operations of the personal account used are performed. As a result of such operations, the computing device 14 provides signals to the device 9 for issuing banknotes and / or the device 10 for issuing coins, to the device 8 for displaying information on the screen, to the fiscal registrar 6, which, accordingly, issue change, output payment information, prints a fiscal check and records information in a fiscalizing device.

In this case, the computing device through the communication unit 1 of the terminal with the central server transmits to the central server 3 information and transactions about the operations performed. Having processed the received data, the central server 3 updates its individual payer database and transmits such an updated database via a communication channel to terminal 2, in the computing device 14 of which the database is synchronized and stored. Such database synchronization is not necessary immediately after the payment, but it is possible after some time.

When making payments to those payees who do not create individual payer databases, but their data is available in the payee database, the payer, by manually entering information through the touch input device 7, for example, the name of the payee, pays in the usual way for payment terminals .

If it is necessary to make a payment to a payee who is not in the database, the proposed universal terminal self-service payment system can work without using the payee database and individual payer databases, while information about the payee and payer is entered through the touch input device 7 and payment is made as usual for payment terminals.

Clearly, the operation of the universal terminal payment system of self-service is presented on its functional diagram of figure 2.

The proposed universal terminal self-service payment system called "Electronic receipt" has great functionality, is convenient to use, reduces the complexity of payment and the probability of entering erroneous information, has an increased degree of system protection against unauthorized access.

Claims (1)

Universal electronic payment terminal self-service payment system, including a central server connected to the terminals, configured to store and update the database of payment recipients and individual payer databases, each terminal containing a bill acceptor and / or coin acceptor, a fiscal registrar, a touch input device , a device for displaying information on a screen, a communication unit of a terminal with a central server, a payer identification device, made with the ability to read magnetic identification and / or bank cards of payers, a computing device configured to generate, store and update a database of payees and individual payer databases, characterized in that it further comprises a device for issuing bills and / or coins, an identification device the payer is configured to biometric identification of the payer, identification by contactless smart cards and identification at the payer address, enter together with the password through the touch input device, and the computing device is configured to make the payee database of payees and individual payer databases, as well as generate bills for services consumed in the form of electronic receipts displayed on the output device on the screen, based on which are paid.