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    • 专利摘要:

    公开号:DK200700136U1
    申请号:DK200700136U
    申请日:2007-04-26
    公开日:2007-08-24
    发明作者:Pavilsova Alena；Pavlis Jan
    申请人:Pankontraktor S R O；
    IPC主号:
    专利说明:

    DK 2007 00136 U3
    Title: System for verifying a client's identity
    This creation relates to a system for verifying through the Internet a client identity through the provision of loans, the acquisition of goods and services.
    Technical area
    The creation relates to an integrated system to mediate financial loans, the acquisition of goods and the provision of services intended for market participants via the Internet.
    Prior art
    Currently, the granting of financial loans is done through personal contact by the creditor and the debtor, which is in some cases linked to each other by a broker. One disadvantage of this is that the nature of the bulk and availability of the loans is not taken into account, while the interest rate can reach a very high level, which in most cases is not acceptable to debtors.
    From Slovak patent P 284 504, a solution entitled "System on electronic cashless purchase of goods and services through cards" is known, containing a module of banking operations connected by credit card to the creditor holding module for sending data on goods and services which are accessible through the module by the vendor of the vendor with identification of the vendor module, the creditor holding module also being associated with the vendor's vendor module, which on the one hand is connected to the module of banking operations with the credit card and on the other is connected to at least one module. by suppliers of goods or services. However, this solution is not applicable for the purpose of brokering financial loans.
    2 DK 2007 00136 U3
    Another solution is stated in Slovak patent application PR no. 1 441 - 2003 entitled "Equipment for safe system of payments applicable for micro-payments", which consists of three or more sub-devices implemented by specialized hardware equipment or by means of a computer and program from which one of said sub-devices serves the supplier to provide information for consideration, the next allows the customer to buy and broker information, and the third ensures that the administrator holds the customer's account. All of the aforementioned participants cannot be interconnected via a communications network, and a cryptographically heavy one-way hash function is used to secure money transfer and authorization of agents participating in the transactions, while initialization of the payment system does not require preparation via a secured channel. only one operation using the encryption method of public key for distributing information among the agents, and any of the subsequent transactions only requires the calculation of certain values of the hash function, which provides an equipment for efficient, cheap and fast micro-payment contacts. A disadvantage of this solution is its limited applicability in the field of acquisition and mediation of information for payment.
    Another technical solution is provided in Slovak Patent Application PP No. 746 -2003 entitled "Communication infrastructure of a cooperating Corporation", which is established from a system of virtual private networks of a transmission infrastructure of suppliers. They are in individual locations on the interface of a universal feeder connected to the local computer networks. These elements provide an internal communication network of the cooperative cooperation, especially in the sharing of services of the communication infrastructure of the cooperative. One disadvantage of this solution, however, is that it can not be used in the field of financial loans and in the field of the acquisition of goods and services.
    Another system is described in Slovak patent application PP no. 1 165 - 2000 entitled "System for processing payments and transactions among the payers and beneficiaries and the method of processing these payments". The payers and 3 DK 2007 00136 U3 beneficiaries are connected to the system via a surfer connected via a telecommunication medium to the first devices which serve to record data containing information about connected payers. This information includes at least the permissible telephone number, the authorization criterion allowing transactions, and the security criterion assigned to the permissible telephone number, as well as the permissible identification code of each beneficiary. registration of data contains information on the type of digital mobile phone with relation to the individual telephone number. The selective facilities serve to select one of the telecommunications devices which communicate with the digital mobile phone identified by the permitted telephone number of telecommunications services compatible with the given type of digital mobile phone which has been identified. One disadvantage of this solution is that it cannot be used in the field of financial loan mediation and in the field of acquisition of goods and services.
    A further solution is described in Slovak patent application PP No. 596 -2000 entitled "Electronic commerce with anonymous shopping and with ano-nymous vendor shipping", in which the delivery of goods acquired from the seller's / retailer's server is carried out via computers without having to provide the customer's identity or physical address with the allocation of any customer's identity and physical address to the computer through connection information registered in a secured computer These computers may be from a trusted vendor or the computer in the bank where the customer's computer is anonymously connected to the server of the seller's computer, so that the buyer can place orders for goods without having to provide an identity or physical address and the retailer transfers the goods to a common carrier, the goods are delivered in packages, equipped with transaction identification and the customer's address. In this way, the common carrier is informed of the customer's identity and address from the computer by the trusted vendor using the transaction identification or customer address, and this we! now be able to deliver the package to the customer's physical address. One disadvantage of this solution, however, is that it is only applicable in the field of acquisition by reimbursement.
    4 DK 2007 00136 U3
    Another system is described in Slovak patent application PP No. 1 426-1997 entitled "Electronic monetary system", In this system banks or financial institutions are linked to a money generator device for generating and handing over to subscribers, of electronic money including electronic currency backed up of deposits corresponding to the requested and electronic credit authorizations; the corresponding banks that accept and distribute electronic money; a number of transaction devices used by subscribers for the storage of electronic money for conducting money transactions with the on-line systems of the participating banks or for the exchange of electronic money with other offline transactions without connection to the central computer; automatic counting machines associated with the issuing and correspondent banks, for process management and interfacing of the issuing and correspondent banking transactions, and for the issuing and correspondent bank interfacing, a clearing bank for balancing provisional cash accounts for various issuing banks; a data communication network for providing communication service to all components of the system; and security measures for maintaining the integrity of the system and detecting forgery and attempted intrusion into the system An embodiment of the invention includes a customer service module that handles lost financial claims and links accounts to money modules for providing bank access. One disadvantage of this solution is that it cannot be used in connection with the mediation of financial loans and in the area of acquisition of goods or provision of services.
    A further solution is described in Czech patent application PP c.2002 - 744, PP no. 1999 164668, PP no. 1999 165577 and PP no. 2000 201635 entitled "Methods and devices for making electronic transactions", where the electronic transaction is a acquisition transaction while providing the user with an intelligent character, e.g. a chip card containing a digital certificate where the intelligent sign is authorized by the server in the network in a way that keeps all transactions on behalf of the user, and a wallet server cooperates with a security server to provide increased reliability and recognition during transactions. This involves a toolbar, and a digital 5 DK 2007 00136 U3 wallet fills out forms that may be pre-filled based on automatic memory. However, this solution is only applicable in the field of reimbursement acquisition.
    A further system is described in Czech Patent Application PP No. 2000 - 4781 entitled "Verified payment system", where VPS provides mediation for participants in secure electronic and digital transactions, while this VPS involves a verified guarantor registration system enabling secure private registration of identification, in which data and payment data are verified, both by clients and sellers., This involves payment systems including banks and the generation of verified registrations, and serves to provide the verified registration on the relevant electronic / digital transaction. In addition, the verified registration is available to all participants of an electronic / digital transaction.The system contains a large number of hubs / switches connected to private networks and to the seller, client and payment system.These hubs / switches are equipped with means for the seller and client to communicate independently with VPS sys They also have a registration authority that secures registration services to specify which hub / switch is supported and which client and security transactions are brokered without direct communication between participants. One disadvantage of this solution is that it cannot be used. in the field of mediation of financial loans and in the area of mediation of acquisition of goods and services.
    The next solution is described in Czech patent application PP no. 2000 - 4103 entitled "integrating the system of business mediation between participants currently interconnected with the public communication network", which consists of series of interconnected user devices also connected to a central system. , containing a central annotation database whose one input is associated with annotation databases for the user's information of all truly interconnected user devices which, together with the database of the augmented information, provide the database of the user's information- The second input is associated with a search module which is on its page associated with a display module for the search at the next output The 6 DK 2007 00136 U3 central database for communications is at its output connected to the display module of the search items, which at its second output is associated with the database of increased information on additional user equipment, where ice items are shown in the display module The latter is at the output associated with a work module 5 with the search items, while the database of the user items is associated with the module for providing and managing points associated with the module for displaying and managing items. However, this solution is only applicable in the field of acquisition, information, products and services.
    10
    A further system is described in Czech Patent Application PP No. 2000 - 3501 entitled "System solution of the E - business and access to the information sources, products and services". This system includes a closed network comprising a group of servers set up in independent networks with secure communication with the surroundings, secured brokered and guaranteed access by clients through an interface provided that the interface is located where all internal client services are located. The closed network environment is made up of servers arranged in a structure in which the central server is located on top of the closed network. At least one national server with server operator constitutes the lower level, with the server operator communicating with clients The interface establishes a user environment by special means, ie, software solutions, hardware agreement and organizational bodies, where the mediated approach is an indirect link between client and source, and is generated using the interface security module and the client security module. A disadvantage of this 25 solution is that it cannot be used for the mediation of financial loans and for mediation in the acquisition of goods or services.
    Another system is mentioned in Czech patent application PP No. 1998 598 entitled "Anonymous business system with improved characteristics for entering price-30 offers", where the system in all price quotes entered into the anonymous computer business system must define whether Significant information is expected at a significant number of points of sale, and if so inform the businessman who has submitted the quotation A significant number of points of sale is expressed by the percentage greater than a predetermined percentage of suitable business partners with which the credit has been negotiated. on a bilateral basis, and it is more than 25% in which an alternative version of it provides market makers from where the price offer came from, a graphical display of how many points of sale are suitable for accepting that price offer, and / or the numeric display shows the price, which may be a relevant point for a predetermined percentage of suitable starters up partners. One disadvantage of this solution is that it is only applicable in the field of acquisition of goods and services.
    10 The essence of the technical solution
    Said disadvantages have been substantially eliminated by a system of providing loans via the Internet, including a system for verifying a client's identity, which is new in that it is constituted by at least one client module, a transmission module is connected to at least one supplier module and via the transmission channel is connected to at least one verification module, which is connected to at least one banking module via the transmission channel to at least one client module.
    In a particularly convenient embodiment, at least one supplier module and / or at least one client module may be connected via the transmission channel to at least one creditor module connected via the transmission channel to at least one banking module connected to the transmission channel at least 25. drop one client module.
    DESCRIPTION OF THE DRAWINGS
    The technical solution will be described in more detail with reference to the drawing, which schematically shows the connection of the Internet system for financial loans, acquisition of goods and services.
    8 DK 2007 00136 U3
    Embodiment Examples Example 1
    The connection of the Internet system for the mediation of financial loans intended for market subjects according to Fig. 1 is formed by means of a creditor module 2, ie. the com puter terminal of the financial loan provider. The creditor module 2 is connected via a transmission channel 6 to a broker module 1, which is the registration controlling port of the broker. On the other hand, the broker module 1 is connected via the transmission channel 6 to a client module 3, which is the client's computer terminal. The broker module 1 is, on the other hand, connected to the broker's accounting module 41 in a bank module 4, which is the broker's account. The bank module 4, which is the bank's computer terminal, is constituted by interconnected broker account module 41 and creditor account module 42 and client account module 43. The client account module 43 is connected to the client module 3. Via the transmission channel 6, the creditor's account module 42 is connected to the creditor module module of the creditor module is connected via the transmission channel 6 to the broker module 1. The broker's account module 41 is connected to the creditor module 2 via the transmission channel 6 The broker's account module 41 is connected to the client module 3 via the transmission channel 6.
    Example 2
    The connection of the internet system for financial loan mediation intended for market subjects according to fig. 1 is the creditor's module 2, ie the computer terminal of the financial loan provider. The creditor's module 2 is connected via a transmission channel 6 to a verifying module 5, which identifies and verifies the creditworthiness of the client. The creditor's module 2 is then connected via the transmission channel 6 to the broker module 1, which is the broker's recording / controlling port. In addition, the broker module 1 is connected to the verifying module via the transmission channel 6. The broker module 1 is, on the other hand, connected via the transmission channel 6 to a client module 3 which is on the one hand via the transmission channel 6 with the Verifying Module 5 that identifies and verifies the creditworthiness of the client. The broker module 1, on the other hand, is connected via the transmission channel 6 to the broker's account module 41 in the bank module 4, which is the broker's account. The bank module 4, which is the bank's computer terminal, is provided by means of the manually connected brokerage account module 41, the creditor's account module 42 and the client's account module 43. The client's account module 43 is connected to the client module 3. Via the transmission module 6, the creditor's account module 42 is connected to the transmission channel 6 module 2, the broker's account module 41 is connected to the broker module via the transmission channel 6. The broker's account module 41 is connected to the creditor's module 2 via the transmission channel 6, the broker's account module 41 is connected to the client module 3 via the transmission channel 6.
    Example 3
    The connection of the internet system for financial loan mediation, acquisition of goods and provision of services intended for market subjects according to fig. 3, constitutes the creditor's module 2, ie. the computer term of the financial loan provider. The creditor's module 2 is connected via the transmission channel 6 to the broker module 1, which is the recording / controlling port. The creditor's module 2 is connected via the broker module 1 to the client module 3, which is the computer terminal of the person interested in financial loans for the acquisition of a holiday package. The broker module 1, on the other hand, is connected via the transmission channel 6 to the verification module 5, which is identical to the computer terminal for the identification and verification of solvency. From the further side, the broker module 1 is connected via the transmission channel 6 to the supplier module 8, which is the computer terminal of a travel agency. On the other hand, the broker module 1 is connected via the transmission channel 6 to a security module 9, which is the computer terminal in a law office that ensures the fulfillment of the contract relations. From the further side, the broker module 1 is connected to an external module 7 via the transmission channel 6. The external module 7 is the computer terminal of the supplier of the external database of financial loans, with providers of services and goods. The broker module 1 is connected from the further side via the transmission channel 6 to the bank module 4, which is the bank's computer terminal. The bank module 4 comprises the interconnection of the broker account module 41, the creditor's account module 42, the external account module 47, the security account module 48 and the client account module 43, the broker account module 41, which is equal to the broker's account, is connected to the broker module 1 through the transmission channel 6. , which is the client's account, is connected to the client module 3 via the transmission channel 6. The creditor's account module 42, which is the creditor's account, is connected to the creditor's module 2 via the transmission channel 6. The external account module 47, which is the account for the supplier of the external database, is via the transmission channel 6 connected to the external module 7. The supplier's account module 48, ie. the travel agency account is connected to the supplier's module via the transmission channel 6. The supplier's module 8 is connected to the security module via the transmission channel 6. This security module 9 is connected to the creditor's module 2 via the transmission channel 6, the creditor's module 2 is connected to the broker's account module 41. The broker's account module 41 is connected to the client module via the transmission channel 6. The client module 3 is connected to the client's account module 43 via the transmission channel 6. The broker's account module 41 is connected to the verifying module 5 via the transmission channel 6. the client module 3, The verifying module 5 is then connected to the creditor's module 2 from the other side via the transmission channel 6, The verifying module 5 is connected to the supplier's module via the transmission channel 6, on the other hand, through the transmission channel. 6 is connected to the external module 7. The account module 41 is connected to the supplier's module via the transmission channel 6. The module of the supplier 8 is connected to the security module via the transmission channel 6. The security module 9 is, on the other hand, connected to the creditor's module 2. The security module 9 is from the next page connected to client module 3, 11 DK 2007 00136 U3
    Example 4 The integration of the Internet system for financial loan mediation, acquisition of goods and provision of services designed for market subjects according to FIG. 2 is formed by means of the creditor's module 2, ie, the computer terminal of the financial loan provider. The creditor's module 2 is connected via the transmission channel 6 to the broker module 1, which is the recording / controlling port.
    The creditor's module 2 is connected via the broker's module 1 to a client module 3, which is the computer terminal of the customer, who is interested in the financial loan for the purpose of acquiring real assets. The broker module 1, on the other hand, is connected via the transmission channel 6 to the verification module 5, which is the computer terminal that serves to identify and verify creditworthiness. The broker module 1 is connected from the next page via the transmission channel 6 to the supplier module 8, which is the computer terminal of a real estate broker. The broker module 1 is from the next page connected to the security module 9, the computer terminal at the requester's office, which secures the assignment of debt according to contract terms. . The broker module 1 is, from the next page, connected via the transmission channel 6 to the external module 7, which is the computer terminal of the supplier of the external database containing suppliers of financial loans and suppliers of services and goods. On the other hand, the broker module 1 is connected to the bank module 4, i.e. through the transmission channel 6, ie. the bank's computer terminal. Bank module 4 is provided from interconnected broker account module 41, creditor account module 42, external account module 47, security account module 48 and client account module 43. Broker account module 41 identical to broker account is connected to broker module 1 through client channel 6 is the client's account is connected to the client module via the transmission channel 6. The creditor's account module 42, which is the creditor's account, is connected to the creditor's module via the transmission channel 6. The external account module 47, which is the account of the external database provider, is connected via the transmission channel 6 with the external module 12 DK 2007 00136 U3 dul 7. The supplier's account module 48, which is the account of the real estate agent, is connected to the supplier's module via the transmission channel 6. The supplier's module 8 is connected to the security module 9 via the transmission channel 6, the security module 9 is via the transmission channel. 6 connected with the creditor's m odul 2 .. The creditor's module 2 is connected via the transmission channel 6 to the broker's account module 41. The broker's account module 41 is connected to the client module via the transmission channel 6 3. The client module 3 is connected to the client account module 43 via the transmission channel 6 The broker's account module 41 is connected to the verifier module 5. The verifying module 5 is connected to the client module 3 via the transmission channel 6 The verifying module 5 is connected to the creditor's module 2 via the transmission channel 6, the verifying module 5 is connected to the supplier from the next channel via the transmission channel 6. module 8. The broker's account module 41 is connected to the external module 7 via the transmission channel 6, the broker's account module 41 is connected to the supplier's module via the transmission channel 6. The supplier's module 8 is connected to the security module 9 via the transmission channel 6, the security module 9 is connected from the next page m ed on the creditor's module 2. The security module 9 is connected to the client module 3 from the next page,
    Example 5
    The connection of the Internet system to verify the identity of the client designed to provide financial loans for market subjects according to Fig. 3 is formed by means of a client module 3, ie, the computer terminal of the customer interested in financial loans. The client module 3 is electronically connected via the transmission channel 6 to the supplier's module 1, which is the registering / controlling port through which the customer receives blank contract forms with the business conditions. Client module 3 is associated with the verifying module 5, which verifies the client's identity on the blank contract form on the basis of data from the respective client. The verifying module 5 is electronically connected to the transmission module 6 via the transmission channel 6, which receives the confirmation of the client's identity, the Supplier's module 1 is connected to the client module 3 via the transmission channel 6, through which the client receives the identifying PIN code The client module 3 is electronically connected to the supplier's module 1 via transmission channel 6, by means of whose medium the customer concludes a contract to provide financial loans from the supplier's own resources, namely by providing the identifying PIN code and completing the prescribed blank contract. The supplier's module 1 is via the transmission channel. 6, on the other hand, associated with the supplier's account module 41 of the banking module 4, which is the supplier's account. The bank module 4, which is the bank's computer terminal, consists of the supplier's account module 41 and the client's account module! 43, which are interrelated. The client's account module 43 is connected to the client module via the transmission channel 6. The supplier's account module 41 is connected to the supplier's module 1 via the transmission channel 6.
    Example 6
    The integration of the Internet system of verification of client identity designed to provide loans for market subjects according to FIG. 4 is formed using a client module 3, which is the computer terminal of the customer who is interested in financial loans. The client module 3 is electronically connected via the transmission channel 6 to the supplier's module 1, which is the registering / controlling port through which the customer receives the contract form with the terms of business. The client module 3 is associated with the verifying module 5 which verifies the client's identity on the contract form on the basis of the data provided by the client. The verifying module 5 is electronically connected via the transmission channel 6 to the supplier module 1, which receives the confirmation of the client's identity. The supplier module 1 is connected to the client module 3 via the transmission channel 6, through which the client receives the identifying PIN code. The client module 3 is electronically connected to the supplier's module 1 via the transmission channel 6, by means of whose medium the customer concludes a contract on the provision of financial loans. It runs when you enter the identifying PIN code and when completing the prescribed blank contract. The supplier's module 1 is connected to the creditor's module 2 via the transmission channel 6, ie.
    14 DK 2007 00136 U3 computer term of the supplier of def financial loans, Creditor module 2 is connected to the supplier's module 1 via the transmission channel 6, The supplier's module 1 is connected to the supplier's account module 41 of the banking module 4, which is the bank's computer module via the transmission channel 6 5 min. The bank module 4 is provided from the interconnection of the vendor's account module 41 and the creditor's account module 42 and the client's account module 43 The client's account module 43 is connected to the client module via the transmission channel 6 3 The client's account module 42 is connected to the creditor's module 2 by the creditor's module module! 41 is connected to transmission module 6 via the transmission channel 6. The supplier's account module 41 is connected to the creditor's module 2 via the transmission channel 6.
    Industrial Applicability 15 The compound in accordance with the technical solution is applicable in the field of money markets, in particular for the better availability of loans for the acquisition of goods and services, both for natural and legal entities and to improve the assessment of free funds for natural and legal entities. . Finally, this will bring benefits to both partners as the result will be a lower value of money for the client and higher evaluation of the free financial resources of the creditor.
    权利要求:
    Claims (2)
    [1]
    1. A system for verifying through the Internet a client identity by providing loans, acquiring goods and services for market subjects, which is new in that it is made up of at least one client module (3) connected via a transmission channel (6) at least one supplier module (1) and via the transmission channel (6) is connected to at least one verification module (5), which is connected via at least one banking module (4) via the transmission channel (6) 6) is connected to at least one client module (3).
    [2]
    The system of claim 1, wherein at least one vendor module (1) and / or at least one client module (3) is connected via the transmission channel (6) to at least one creditor module (2) which is via the transmission channel (6). associated with at least one banking module (1), which is connected via at least one client module (3) via the transmission channel (6). 20
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    同族专利:
    公开号 | 公开日
    CZ17344U1|2007-03-12|
    DK200700136U3|2008-11-14|
    PL382056A1|2007-10-29|
    NL2000604C2|2008-01-24|
    PT10215T|2007-10-04|
    TR200702751U|2007-11-21|
    US20070253260A1|2007-11-01|
    BRPI0701453A|2007-12-11|
    HU3360U|2008-01-28|
    JP2007293867A|2007-11-08|
    HU0700053V0|2007-05-29|
    ITUD20070019U1|2007-10-27|
    NL2000604A1|2007-10-29|
    KR20070105851A|2007-10-31|
    AU2007201826A1|2007-11-15|
    GB0707923D0|2007-05-30|
    TWM326673U|2008-02-01|
    CA2586507A1|2007-10-26|
    FR2900487A3|2007-11-02|
    GB2437638A|2007-10-31|
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    法律状态:
    2010-11-26| UBP| Utility model lapsed|
    优先权:
    申请号 | 申请日 | 专利标题
    SK982006|2006-04-26|
    SK1482006|2006-07-04|
    SK1762006|2006-08-10|
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