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1. RU0002716901 - INSTANT MONEY TRANSFER METHODS AND SYSTEM FOR METHODS IMPLEMENTATION

Office
Russian Federation
Application Number 2018145943
Application Date 24.12.2018
Publication Number 0002716901
Publication Date 17.03.2020
Grant Number
Grant Date 17.03.2020
Publication Kind C1
IPC
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer systems; specially adapted for home banking systems
CPC
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Inventors Соловьев Евгений Георгиевич (RU)
Колесников Дмитрий Александрович (RU)
Петушкова Наталья Олеговна (RU)
Solovev Evgenij Georgievich (RU)
Kolesnikov Dmitrij Aleksandrovich (RU)
Petushkova Natalya Olegovna (RU)
Title
(EN) INSTANT MONEY TRANSFER METHODS AND SYSTEM FOR METHODS IMPLEMENTATION
(RU) СПОСОБЫ МОМЕНТАЛЬНЫХ ДЕНЕЖНЫХ ПЕРЕВОДОВ И СИСТЕМА ДЛЯ РЕАЛИЗАЦИИ СПОСОБОВ
Abstract
(EN) FIELD: physics. SUBSTANCE: invention relates to information technologies in financial sphere. Disclosed are automated methods for instant inter-bank money transfers from bank account of one individual to a bank account of another individual based on a known social identifier of the recipient of funds without indicating the actual number of the client's bank account or the details of his payment instrument, as well as instant money transfers between two and more own bank accounts of a natural person, opened in different credit institutions. Proposed system comprises: Sender and Recipient communication facilities, Sender bank systems and Recipient Bank computer systems, central server component, design system and notification service. EFFECT: technical result is faster operation of inter-bank money transfers. 13 cl, 5 dwg
(RU) Изобретения относится к информационным технологиям в финансовой сфере. Техническим результатом является повышение быстродействия при осуществлении межбанковских денежных переводов. Предлагаются автоматизированные способы осуществления моментальных межбанковских денежных переводов с банковского счета одного физического лица на банковский счет другого физического лица по известному социальному идентификатору получателя денежных средств без указания реального номера банковского счета клиента или реквизитов его платежного инструмента, а также осуществление моментальных денежных переводов между двумя и более собственными банковскими счетами физического лица, открытыми в разных кредитных учреждениях. Система содержит: средства коммуникации Отправителя и Получателя, вычислительные системы банка Отправителя и банка Получателя, центральный серверный компонент, расчетную систему и сервис уведомлений. 3 н. и 10 з.п. ф-лы, 5 ил.
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