E-payment system of cash management based on universal debit-credit card payment

摘要

The invention relates to systems to perform electronic payment transactions using money management and communication devices, particularly mobile terminals. The novelty of the system is that the UE is adapted to assigning the user a unique identification number - the payee's code (PPC) associated with and / or combinable with identification parameters cash management used by the user or a selected communication device; with the possibility of transferring money to other users of the payment system, in accordance with their PPC or personalized settings identify the payee; the ability to assign a user a unique identification number - the payment authorization code (CAP) associated with CPR and / or identification of the communication parameters cash management device used by the user or selected and / or personalized parameters identifying the payee; the ability of users of payment services due to access to credit funds, and payment transactions with them, according to the nominal values ​​acquired universal debit and credit payment cards; possibility notification of recipients and senders of payment during payments, wherein at least one communication cash management device is adapted to issue checks (slips), as well as payment cards used universal debit and credit card payment. This electronic payment cash management system based on universal payment card allows payment service data users to carry out most of the standard banking procedures of direct payments or a transfer of funds, obtaining consumer credit and payment transactions with credit money, more comfortable, according to the criteria of low cost, timing , the lack of restrictions on the user or the time of deployment, allows impl and enjoyment of payment transactions with payment instruments known payment systems without the organization of complex technological interactions, seamlessly integrates mobile and Internet systems; banking, e-commerce applications other, practically applicable, because it is formed based on known and common hardware and software.