METHOD OF CARRYING OUT FINANCIAL CLEARING OPERATIONS AND AN ASSOCIATED SYSTEM

WIPO Patent Application WO/1996/018981

A1

In order to carry out financial clearing operations at an accounting and service centre (1), a signal which identifies the subscriber and determines the availability and amount of funds in the subscriber's bank account is produced. Once the subscriber has completed the financial operation, a signal corresponding to the sum involved in the operation is produced and transmitted over a communications channel to the accounting centre (2) where the information is used to amend the balance of the account, data on the new balance being forwarded over a separate communications channel to the data dissemination centre (3) from whence they are disseminated over a radio communications link to all the accounting and service centres, where the information concerning the new balance replaces the old information. The technical result of the invention is "real-time" operation of the system and a significant improvement in the degree of protection from unauthorised use. This technical result is obtained by using an alternative to the known method of subscriber identification (based on an electronic card) involving the use of subscribers' biophysical characteristics, for example, using the "Hand Key" unit (7) which produces telemetry signals relating to the parameters of a user's wrist, and by using a standard radio or television signal as the wireless communications link, e.g. using the "TV-inform" centres (16, 17, 18), the information signal being carried in the active part of the free lines of the suppressing pulse of the TV image signal fields.

TAKHIRI AZAR MAMEDOVICH (RU)
KAMSHITSKY IGOR JURIEVICH (RU)
LEVITIN VLADIMIR ANATOLIEVICH (RU)
LEVCHENKO ALEXANDR IVANOVICH (RU)
PROKOFIEV JURY ANATOLIEVICH (RU)
SARYAN VILYAM KARPOVICH (RU)
TROFIMOV EVGENY NIKOLAEVICH (RU)
BOLOVINTSEV JURY MIKHAILOVICH (RU)
KOCHUASHVILI KONSTANTIN ZAKHAR (RU)
BOBYR JURY ALEXANDROVICH (RU)
ZAKHAROV OLEG VITALIEVICH (RU)
PROKIP ANDREI ZINOVIEVICH (RU)
KOZLOVSKY SERGEI VLADIMIROVICH (RU)

PCT/RU1994/000273

June 20, 1996

December 14, 1994

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AKTSIONERNOE OBSCHESTVO ZAKRYT (RU)
TAKHIRI AZAR MAMEDOVICH (RU)
KAMSHITSKY IGOR JURIEVICH (RU)
LEVITIN VLADIMIR ANATOLIEVICH (RU)
LEVCHENKO ALEXANDR IVANOVICH (RU)
PROKOFIEV JURY ANATOLIEVICH (RU)
SARYAN VILYAM KARPOVICH (RU)
TROFIMOV EVGENY NIKOLAEVICH (RU)
BOLOVINTSEV JURY MIKHAILOVICH (RU)
KOCHUASHVILI KONSTANTIN ZAKHAR (RU)
BOBYR JURY ALEXANDROVICH (RU)
ZAKHAROV OLEG VITALIEVICH (RU)
PROKIP ANDREI ZINOVIEVICH (RU)
KOZLOVSKY SERGEI VLADIMIROVICH (RU)

G06Q40/02; G06Q20/00; G06Q20/40; (IPC1-7): G07F19/00

WO1993016441A1	1993-08-19
WO1985002744A1	1985-06-20

EP0379333A1	1990-07-25
EP0254595A2	1988-01-27
GB2181582A	1987-04-23
US5291560A	1994-03-01
GB1505718A	1978-03-30
DE4128809A1	1993-03-04
GB2273375A	1994-06-15
GB2247551A	1992-03-04

LIPIS A. et al., "Ehlektronnaya Sistema Denezhnykh Raschetov", 1988, Financy i Statistika (Moskva), pages 30-33.

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