Patent EA-004554-B1 (EA)
Title: Clearing method using a communications network (variants)
Inventor: CHERNOMOROV SERGEI ALEXANDROVI
IPC: G06Q30/00
Filed: 2001-10-26
Abstract: 1. A method for clearing trading using a communication network, the method including steps of: placing a list of offered commodities/works/services into a seller's computer device connected to the communication network; indicating requisite elements of the account to pay for these commodities/works/services; viewing said list by a customer using a computer device connected to the seller's computer device via said communication network; paying by the customer for the commodity/work/service selected by said customer from said list; giving said commodity/work/service by the seller to the customer, characterized in that requisite elements of a separate account in a transit bank being indicated as said account; prior to the step of paying for the selected commodities/works/services the customers assign an individual cipher for each payment; in order to pay for said commodity/work/service the payment is effected to said separate account, the cipher assigned for that payment being additionally reported to the transit bank; the step of giving said commodity/work/service to the customer is performed under condition of reporting said cipher by the customer to the seller, then reporting the cipher received from the customer to the transit bank; transferring money to the seller at the rate of the sum of said payment under condition of coinciding the cipher reported to the transit bank by the seller with the cipher received by the transit bank additionally to said payment. 2. The method according to claim 1, characterized in that the cipher assigned by the customer being indicated in the payment document accompanying said payment. 3. The method according to claim 2, characterized in that the cipher assigned by the customer is indicated multiply in said payment document. 4. The method according to claim 1, characterized in that after obtaining said payment to said separate account the parameters of that payment are reported to the seller, said parameters including at least the sum of that payment. 5. The method according to claim 1, characterized in that in order to get said commodity/work/service the seller is provided, besides said cipher, with the copy of the payment document accompanying said payment. 6. The method according to claim 1, characterized in that the customer's computer device are performed using the steps of: forming the order to purchase said commodity/work/service and sending said order to the seller's computer device; confirming the receiving of said order by transmitting the corresponding message to the customer's computer device said message indicating the parameters of this order, which parameters include at least the cost of said order and/or the number of said order. 7. The method according to claim 6, characterized in that said cost of the order is calculated so that the set of predetermined digits of numerical expression of this cost of the order represent said number of the order. 8. The method according to claim 6, characterized in that after the step of receiving said order by the seller said cost of the order and/or number of the order are also reported to the transit bank. 9. The method according to claim 6, characterized in that performed are the steps of: including the created code of that order into said parameters being reported to the customer; giving said commodity/work/service to the customer including the case of reporting said code of the order to the seller by the customer. 10. The method according to claim 6, characterized in that in the case of receiving said number of the order by the customer from the seller this number of the order is reported to the transit bank in addition to said payment. 11. The method according to claim 10, characterized in that said number of the order is indicated in the payment document accompanying said payment. 12. The method according to claim 11, characterized in that said number of the order is indicated multiply in said payment document. 13. The method according to claim 10, characterized in that after receiving said number of the order by the transit bank from the customer this number of the order is reported to the seller. 14. The method according to claim 10, characterized in that performed are steps of: reporting said number of the order to the transit bank along with the cipher received from the customer, then transferring said money to the seller including the case of coinciding this number of the order with the number of the order received by the transit bank from the customer. 15. The method according to claim 1 or 10, characterized in that performed are steps of: checking, in the presence of the customer, an authenticity of the cipher being reported by the customer when obtaining said commodity/work/service, said checking being performed by referring the seller to the transit bank with a request to compare this cipher with the cipher received by the transit bank from the customer; and then giving said commodity/work/service to the customer under condition of reporting the identity of said ciphers by the transit bank to the seller. 16. The method according to claim 15, characterized in that the parameters of said payment including at least the sum of the payment are reported to the seller along with the result of said comparison of the ciphers. 17. The method according to claim 15, characterized in that in the case of reporting, in addition to said payment, said number of the order to the transit bank by the customer this number of the order received by the transit bank is reported to the seller along with the result of said comparison of the ciphers. 18. The method according to claims 1 or 6, characterized in that performed are steps of: providing a possibility of a primary check of the authenticity of cipher being reported to the seller by the customer; performing such check in the presence of the customer without referring to the transit bank, and then giving said commodity/work/service to the customer under condition of determining said authenticity by the seller. 19. The method according to claim 18, characterized in that performed are steps of: assigning the cipher with taking into consideration the requirements predetermined by the seller; and checking the cipher reported by the customer for meeting said requirements when giving said commodity/work/service to the customer. 20. The method according to claim 18, characterized in that performed are steps of: reporting a part of the cipher to the seller inter alia data after receiving by the transit bank the cipher assigned by the customer; and checking the presence of this part of the cipher in the cipher reported to the seller by the customer when giving said commodity/work/service to the customer. 21. The method according to claim 18, characterized in that performed are steps of: reporting, inter alia data, the data calculated by the transit bank according to defined algorithm on the basis of this cipher after receiving by the transit bank the cipher assigned by the customer; reporting also to the seller said algorithm along with said data; checking the coincidence of said data with the data obtained by applying said algorithm to the cipher reported to the seller by the customer, when giving said commodity/work/service to the customer. 22. The method according to claim 18, characterized in that performed are steps of: providing technical means to the transit bank and seller in order to create a control code on the basis of the cipher and defined parameters of the customer's payment; creating a primary control code using said technical means on the basis of that cipher and corresponding parameters of said payment after receiving by the transit bank said payment and the corresponding cipher assigned by the customer, and reporting then this primary control code to the seller, reporting said corresponding parameters of said payment to the seller; checking the coincidence of the control code created by the seller using the technical means on the basis of the cipher and said corresponding parameters of said payment being received from the customer with the primary control code received from the transit bank, when giving said commodity/work/service to the customer. 23. The method according to claim 18, characterized in that in the case of forming said order by the customer, performed are steps of: providing technical means to the transit bank and seller in order to create a control code on the basis of the cipher and defined parameters of the customer's payment; reporting to the transit bank the parameters of said payment necessary to calculate the control code; creating a primary control code using said technical means on the basis of the cipher and said corresponding parameters of said payment after receiving by the transit bank the cipher assigned by the customer, and reporting then this primary control code to the seller; checking the coincidence of the control code created by the seller using the technical means on the basis of the cipher and said corresponding parameters of said payment being received from the customer with the primary control code received from the transit bank, when giving said commodity/work/service to the customer. 24. The method according to claims 22 or 23, characterized in that updated versions of said technical means are provided to their users. 25. A method for clearing trading using a communication network, the method including steps of: placing a list of offered commodities/works/services into a seller's computer device connected to the communication network; indicating requisite elements of the account to pay for these commodities/works/services; viewing said list by a customer using a computer device connected to the seller's computer device via said communication network; paying by the customer for the commodity/work/service selected by said customer from said list; giving said commodity/work/service by the seller to the customer, characterized in that