US 2004/0024705 A1 · Clearing method using a communications network (variants)

Abstract

The invention relates to a finance sphere and could be utilized in various industries of national economy to process trading operations by clearing payment using communication network. Technical result is in enhancing a customer security when effecting a purchase and sale transaction by clearing payment using communication network. Variants of the method include steps of: placing the list of offered commodities/works/services into a seller's computer device; indicating requisite elements of the account for payment for these commodities, the requisite elements of the separate account in the transit bank being indicated as the account; viewing said list by the customer; assigning an individual cipher for each payment; paying for the commodities by effecting payment to the separate account; reporting additionally to the transit bank the cipher assigned for payment; giving the commodities/works/services to the customer under condition of reporting said cipher to the seller by the customer; reporting to the transit bank the cipher received from the customer; 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 with said payment.

Claims69

Dependent claims

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.

6 more elements

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;
to the customer and the transit bank are provided with technical means for creating a control code using said technical means on the basis of the cipher assigned for this payment;
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 control code created by the transit bank using said technical means on the basis of the cipher received from the seller with a primary control code.

6 more elements

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;
providing technical means to the customer to create an analog of the autographic signature;
providing technical means to the transit bank for verifying the analog of the autographic signature;
in order to pay for said order the payment is effected to said separate account;
giving said commodity/work/service to the customer under condition of providing by the customer the analog of the customer' autographic signature to the seller, said signature being created for every transaction using said corresponding technical means;
then, in order to receive the money, providing the analog of the autographic signature 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 successful verification of the analog of the autographic signature received from the customer using said corresponding technical means.

7 more elements

Dependencies are inferred from the claim text.

Clearing method using a communications network (variants)

Life of this patent

Clearing method using a communications network (variants)

Life of this patent

Abstract

Claims69