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Systems that allow telecom operators to provide services of financial transactions, and ways of implementing these transactions

机译:允许电信运营商提供金融交易服务的系统以及实现这些交易的方式

摘要

1.the system u043fu043eu0437u0432u043eu043bu00a0u044eu0449u0430u00a0 subscribers wireless operator u0441u0432u00a0u0437u0438 to perform financial transactions using a mobile phone or an electronic device, u0438u043cu0435u044eu0449u0435u0433 on the possibility of u043fu043eu0434u043au043bu044eu0447u0435u043du0438u00a0 u0441u0432u00a0u0437u0438 u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 wireless network, so that the subscriber has one or several accounts of financial transactions, open and u0443u043fu0440u0430u0432u043bu00a0u0435u043cu044bu0445 the operator u0441u0432u00a0u0437u0438,who can take the cash deposits and which may u043eu0441u0443u0449u0435u0441u0442u0432u043bu00a0u0442u044cu0441u00a0 operation debit and credit, and the system provides the platform for transaction processing, cat u043eu0440u0430u00a0 u00a0u0432u043bu00a0u0435u0442u0441u00a0 system software u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0, serving the existing computer operator u0441u0432u00a0u0437u0438 or specialized computers, and u043au043eu0442u043eu0440u0430u00a0 a mutual u043eu0434u0435u0439u0441u0442u0432u0443u0435u0442 at leastthe database of subscribers and the network of wireless u0441u0432u00a0u0437u0438 or some channels to wireless data networks u0441u0432u00a0u0437u0438, u043au043eu0442u043eu0440u0430u00a0 u0443u043fu0440u0430u0432u043bu00a0u0435u0442 u043fu0435u0440u0435u043cu0435u0449u0435u043du0438u00a0u043cu0438 and u043eu043fu0435u0440u0430u0446u0438u00a0u043c and, u0441u0432u00a0u0437u0430u043du043du044bu043cu0438 financial u0442u0440u0430u043du0437u0430u043au0446u0438u00a0u043cu0438, u0432u043au043bu044eu0447u0430u00a0 operation debit, credit, u043fu043eu0434u0442u0432u0435u0440u0436u0434u0435u043du0438u00a0 transactions, the issuance of a certificate for the account u0441u043eu0441u0442u0430u0432u043bu0435u043du0438u00a0 report u043au043eu0442u043eu0440u0430u00a0 text u00a0u0435u0442 and takes through the network of wireless u0441u0432u00a0u0437u0438,for mobile phones or connected electronic devices to or from the data or other information, u043eu0442u043du043eu0441u00a0u0449u0438u0435u0441u00a0 to transactions, and ensure the client software we, which may act on the cell phone or device, u043fu043eu0434u043au043bu044eu0447u0430u0435u043cu043eu043c to wireless network u0441u0432u00a0u0437u0438 or subscriber identification module, sun u0442u0430u0432u043bu0435u043du043du043eu043c in mobile phones or u043fu043eu0434u043au043bu044eu0447u0430u0435u043cu043eu0435 electronic deviceu0434u043bu00a0 u0432u044bu043fu043eu043bu043du0435u043du0438u00a0 following functions u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0 subscriber authentication by inputting u043fu0430u0440u043eu043bu00a0 or other means, u0440u0430u0437u0440u0435u0448u0435u043du0438u00a0 admission or verification and u043eu0431u0440u0430u0436u0435u043du0438u00a0 data u043eu0442u043du043eu0441u00a0u0449u0438u0445u0441u00a0 to financial transactions, u0440u0430u0437u0440u0435u0448u0435u043du0438u00a0 send, receive data, u043eu0442u043du043eu0441u00a0u0449u0438u0445u0441u00a0 to financial u0442u0440u0430u043du0437u0430u043au0446u0438u00a0u043c,the financial transaction account or information through the network of wireless u0441u0432u00a0u0437u0438 or through specific channels of data transmission in the network.;2. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that each account in financial transactions u0441u0432u00a0u0437u0430u043d with a wireless telephone.;3. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 2, so that the financial transaction account is the account number which coincides with the number of mobile phone subscriber.;4. system 1, u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 because every financial transaction account is the account number, which u043eu0442u043bu0438u0447u0430u0435u0442u0441u00a0 from non mobile phone subscriber.;5. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that time and u0443u0441u043bu043eu0432u0438u00a0 u0438u0441u043fu043eu043bu044cu0437u043eu0432u0430u043du0438u00a0 account financial transactions approved in advance between the subscriber and the operator u0441u0432u00a0u0437u0438.;6. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.5, however, is limited by the financial transaction for payment, and the payment of the forbidden.;7. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the wireless telephone u0441u0432u00a0u0437u0430u043du043du043eu0439 account of financial transactions, the possibility of voice u0441u0432u00a0u0437u0438 blocked and ex u043eu043bu044cu0437u0443u044eu0442u0441u00a0 only data channels.;8. system 3, u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0, through financial transactions combined with facial account subscriber's mobile phone in a single account.;9. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software pre loaded and pre exists in the u043fu0430u043cu00a0u0442u0438 mobile phone or connecting the electronic device of the subscriber.;10. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software u0437u0430u0433u0440u0443u0436u0430u0435u0442u0441u00a0 in u043fu0430u043cu00a0u0442u044c mobile phone or connecting the electronic device u0430u0431u043eu043d yente, after u043eu0442u043au0440u044bu0442u0438u00a0 subscriber account in financial transactions.;11. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software pre loaded into the u043fu0430u043cu00a0u0442u044c u043cu043eu0434u0443u043bu00a0 identification of the subscriber.;12. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software u0437u0430u0433u0440u0443u0436u0430u0435u0442u0441u00a0 in u043fu0430u043cu00a0u0442u044c u043cu043eu0434u0443u043bu00a0 subscriber identification after u043eu0442u043au0440u044bu0442u0438u00a0 subscriber account finance u043eu0432u044bu0445 transactions.;13. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.10, so that client software u0437u0430u0433u0440u0443u0436u0430u0435u0442u0441u00a0 base through the network of wireless u0441u0432u00a0u0437u0438.;14. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software u0430u043au0442u0438u0432u0438u0440u0443u0435u0442u0441u00a0 or u0440u0430u0437u0431u043bu043eu043au0438u0440u0443u0435u0442u0441u00a0 after u043eu0442u043au0440u044bu0442u0438u00a0 subscriber account in financial transactions.;15. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.14, so that u0430u043au0442u0438u0432u0430u0446u0438u00a0 client software u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0 u0440u0435u0430u043bu0438u0437u0443u0435u0442u0441u00a0 by input of a specific code.;16. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.15, so that a special code u0434u043bu00a0 activation client software u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0 u043fu043eu0441u044bu043bu0430u0435u0442u0441u00a0 base through the network of wireless u0441u0432u00a0u0437 and.;17. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software can u0432u044bu043fu043eu043bu043du00a0u0442u044cu0441u00a0 microprocessor mobile phone subscriber or the connecting electronic u0440u043eu043du043du043eu0433u043e device subscriber.;18. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software can u0432u044bu043fu043eu043bu043du00a0u0442u044cu0441u00a0 microprocessor u043cu043eu0434u0443u043bu00a0 identification of the subscriber.;19. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the client software can u0432u044bu043fu043eu043bu043du00a0u0442u044cu0441u00a0 partly on the microprocessor of a mobile phone or connecting element u043au0442u0440u043eu043du043du043eu0433u043e device subscriber and partly on the microprocessor u043cu043eu0434u0443u043bu00a0 identification of the subscriber.;20. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.17, so that client software contains or can activate the algorithm u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 and / or digital signature algorithm, pci u043eu043bu044cu0437u0443u044eu0449u0438u0439 unique key u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 subscriber.;21. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.17, so that client software, operation, u0441u0432u00a0u0437u0430u043du043du044bu0435 encrypted / u0434u0435u0448u0438u0444u0440u043eu0432u0430u043du0438u0435u043c or generation / verification of digital for u0434u043fu0438u0441u0438 u0432u044bu043fu043eu043bu043du00a0u044eu0442u0441u00a0 microprocessor u043cu043eu0434u0443u043bu00a0 identification of the subscriber.;22. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.20, however, that the key u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 subscriber u00a0u0432u043bu00a0u0435u0442u0441u00a0 unique u0434u043bu00a0 subscriber and his accounts of financial transactions.;23. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.17, so that client software is designed u0434u043bu00a0 u0441u043eu0437u0434u0430u043du0438u00a0, u0441u0447u0438u0442u044bu0432u0430u043du0438u00a0 or u043eu0431u043du043eu0432u043bu0435u043du0438u00a0 data file, u0445u0440u0430u043du00a0u0449u0435u0433u043eu0441u00a0 in u043fu0430u043cu00a0u0442u0438 a mobile phone or personal electronic device connecting the subscriber or the subscriber u043cu043eu0434u0443u043bu00a0 and containing the parameters u0441u0432u00a0u0437u0430u043du043du044bu0435 timing and u0443u0441u043bu043eu0432u0438u00a0u043cu0438 ip u043fu043eu043bu044cu0437u043eu0432u0430u043du0438u00a0 subscriber account in financial transactions.;24. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.23, however, that the file contains at least one type of data to the subscriber account of financial transactions, including the current balance, limit u043au0440u0435u0434u0438u0442u043eu0432u0430u043du0438u00a0, minimum transaction amount debit transactions, the maximum amount of debit.;25. the method used by the subscriber in the system p.1 u0434u043bu00a0 training or testing u0440u0430u0441u043fu043eu0440u00a0u0436u0435u043du0438u00a0 financial transactions on a mobile phone or u043fu043eu0434u043au043bu044eu0447u0430u0435u043cu043eu043c electronic device and sending it over the network u0431u0435u0441u043fu0440u043e u0434u043bu00a0 water u0441u0432u00a0u0437u0438 platform transaction processing containing phases, which take the data transaction with at least a number u0432u044bu0433u043eu0434u043eu043fu0440u0438u043eu0431u0440u0435u0442u0430 u0442u0435u043bu00a0 (u043fu043eu043bu0443u0447u0430u0442u0435u043bu00a0 payment) and amountu0443u0434u043eu0441u0442u043eu0432u0435u0440u00a0u044eu0442 data transaction by entering u043fu0430u0440u043eu043bu00a0 or using another means of authentication of the subscriber, u043eu0442u043fu0440u0430u0432u043bu00a0u044eu0442 data transactions on the network u0431u0435u0441u043fu0440u043eu0432u043eu0434 noah u0441u0432u00a0u0437u0438.;26. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, the fact that these transactions are u0432u044bu0433u043eu0434u043eu043fu0440u0438u043eu0431u0440u0435u0442u0430u0442u0435u043bu00a0.;27. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, because the transactions are with voice.;28. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, so that identification mechanism u043fu0440u043eu0438u0437u0432u043eu0434u00a0u0442 through fingerprint authentication subscriber in the mobile phone or u043fu043eu0434u043au043bu044eu0447 u0430u0435u043cu043eu043c electronic device.;29. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, so that an authentication mechanism u043fu0440u043eu0438u0437u0432u043eu0434u00a0u0442 through subscriber voice.;30. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, so that an u043fu0440u043eu0438u0437u0432u043eu0434u00a0u0442 through subscriber authentication mechanism in the face.;31. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, however, that further includes a stage in which the subscriber indicates the level of priority.;32. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, however, that further includes a stage in which the subscriber indicates that wishes to u043eu0441u0442u0430u0442u044cu0441u00a0 anonymous.;33. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, however, that further includes a stage in which the subscriber indicates the date and u0432u0440u0435u043cu00a0 u0432u044bu043fu043eu043bu043du0435u043du0438u00a0 transaction.;34. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, however, that further includes a stage in which the subscriber indicates u0443u0441u043bu043eu0432u0438u00a0, which must be implemented u0434u043bu00a0 actual u0441u043eu0432u0435u0440u0448u0435u043du0438u00a0 the transaction.;35. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, those that generate a digital signature certificate initiates a data transaction.;36. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, so that an encryption of the data transaction card.;37. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.25, however, that further includes a stage in which the transmission data u0434u043bu00a0 transactions from multiple available channels in a wireless network u044bu0431u0438u0440u0430u044eu0442 one channel data transmission.;38. method for p.u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 37, so that the choice of channel of data transfer u0434u043bu00a0 send data transaction u043eu0441u0443u0449u0435u0441u0442u0432u043bu00a0u044eu0442 taking into account at least one parameter, namely, the nature and agriculture u043eu0436u043du043eu0441u0442u0435u0439 mobile phone or connecting electronic devices, the current date and time, the team with the platform for processing transactions, the workload of kana fishing data or network u0443u0440u043eu0432u043du00a0 priority of data transactionsu043du0430u043bu0438u0447u0438u00a0 or u043eu0442u0441u0443u0442u0441u0442u0432u0438u00a0 u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 data.;39. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.17, so that client software implements a method on one of the u043fu043f.25 - 38.;40. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.39, so that client software compares the transaction data with the parameters u0441u043eu0434u0435u0440u0436u0430u0449u0438u043cu0438u0441u00a0 file containing, at least one of the following data: the current balance of the subscriber account in financial transactions, limit u043au0440u0435u0434u0438u0442u043eu0432u0430u043du0438u00a0, minimum transaction amount debit, the maximum amount of u043fu0435u0440u0430u0446u0438u0438 debit, and u043eu043fu0440u0435u0434u0435u043bu00a0u0435u0442 whether to authorize the transaction.;41. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.39, so that client software generates the number of transactions and the transaction u0434u043eu0431u0430u0432u043bu00a0u0435u0442 to this number, and the date and time u043cu00a0 u0443u0434u043eu0441u0442u043eu0432u0435u0440u0435u043du0438u00a0.;42. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.39, so that client software u0444u043eu0440u043cu0430u0442u0438u0440u0443u0435u0442 data transaction in accordance with the channel for the transfer of data from the selected u0434u043bu00a0 edit the data transaction.;43. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.39, so that client software on the platform u043eu0442u043fu0440u0430u0432u043bu00a0u0435u0442 transaction processing transaction data in encrypted form owls shared with the digital signature.;44. method u0434u043bu00a0 u0438u0441u043fu043eu043bu044cu0437u043eu0432u0430u043du0438u00a0 in system p.39 u0434u043bu00a0 processing financial transactions by the account holder financial transactions (payer) in favour of another account holder financial transactions (u043fu043eu043bu0443u0447u0430u0442u0435u043bu00a0 payment) on the platform of transaction processing, containing phases, which are networks of wireless u0441u0432u00a0u0437u0438 data u0440u0430u0441u043fu043eu0440u00a0u0436u0435u043du0438u00a0 transactioncertified and sent to your mobile phone or connecting the electronic device directly, analyze and compare these data with u0441u043eu0441u0442u043eu00a0u043du0438u0435u043c accounts the financial transactions of the payer and the timing and u0443u0441u043bu043eu0432u0438u00a0u043cu0438 his u0438u0441u043fu043eu043bu044cu0437u043eu0432u0430u043du0438u00a0, u043eu043fu0440u0435u0434u0435u043bu00a0u044eu0442, authorize or cancel the transaction, order or u043eu0442u043cu0435u043du00a0u044eu0442 tr u0430u043du0437u0430u043au0446u0438u044e, u0432u044bu043fu043eu043bu043du00a0u044eu0442 transaction if it is authorized.u0441u043fu0438u0441u044bu0432u0430u00a0 amount transaction with the u0441u0444u0442 payer and amount of transactions u0437u0430u0447u0438u0441u043bu00a0u00a0 u0441u0444u0442 u043fu043eu043bu0443u0447u0430u0442u0435u043bu00a0 payment, or u043eu0442u043cu0435u043du00a0u044eu0442 transaction and u043eu0442u043fu0440u0430u0432u043bu00a0u044eu0442 payor notice of termination, and record the details of transaction in the transaction journal.;45. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, those that are saying the commission for the transaction from the account of the financial transactions and / or u043fu043eu043bu0443u0447u0430u0442u0435u043bu00a0 payment.;46. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, however, that the commission for the transaction u0432u043du043eu0441u00a0u0442 in the bill payer and / or u043fu043eu043bu0443u0447u0430u0442u0435u043bu00a0 payment.;47. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, however, that the payer u043eu0442u043fu0440u0430u0432u043bu00a0u044eu0442 on wireless network u0441u0432u00a0u0437u0438 confirmation u0432u044bu043fu043eu043bu043du0435u043du0438u00a0 transaction.;48. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, however, the recipient of payment u043eu0442u043fu0440u0430u0432u043bu00a0u044eu0442 on wireless network or the internet u0441u0432u00a0u0437u0438 notice of the transaction.;49. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, so that, on receipt of the transaction to the transaction u0440u0430u0441u043fu043eu0440u00a0u0436u0435u043du0438u00a0 u0434u043eu0431u0430u0432u043bu00a0u044eu0442 mark time.;50. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, so that the performance of u0440u0430u0441u043fu043eu0440u00a0u0436u0435u043du0438u00a0 transaction to the transaction u0434u043eu0431u0430u0432u043bu00a0u044eu0442 mark time.;51. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, so that each transaction has a unique number is performed.;52. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, so that u0434u0435u0448u0438u0444u0440u043eu0432u0430u043du0438u0435 data u0440u0430u0441u043fu043eu0440u00a0u0436u0435u043du0438u00a0 transaction and / or verification of the digital signature u043fu0440u043eu0438u0437u0432u043eu0434u00a0u0442 using the part the key.;53. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.44, however, that some of the data, u043eu0442u043fu0440u0430u0432u043bu00a0u0435u043cu044bu0435 platform for processing transactions for account holders of financial transactions, are u0448u0438u0444u0440u043eu0432u0430u043d iue and / or provide an electronic signature.;54. method for u043eu0442u043bu0438u0447u0430u044eu0449u0438u0439u0441u00a0 p.52, so that u0434u043bu00a0 u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 / u0434u0435u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 and / or generation / verification of the digital signature using a public key infrastructure.;55. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the system software u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0 implemented with the possibility of the method on p.45.;56. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 p.55, so that the system software u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0 selects the most u043fu043eu0434u0445u043eu0434u00a0u0449u0438u0439 channel data transmission network of wireless transmission u0441u0432u00a0u0437u0438 u0434u043bu00a0 vl u0430u0434u0435u043bu044cu0446u0430u043c accounts of the financial transaction data, u043eu0442u043du043eu0441u00a0u0449u0438u0445u0441u00a0 to transaction or account information.;57. the system p.u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 56, so that the process of selecting the channel of data transfer u043eu0441u0443u0449u0435u0441u0442u0432u043bu00a0u0435u0442u0441u00a0 taking into account at least one parameter, namely, the type and capacity of cell phone or connecting electronic devices, the actual u043cu0435u0441u0442u043eu043fu043eu043bu043eu0436u0435u043du0438u00a0 mobile phone or connecting electronic devices, the current date and time load data connections or network u0443u0440u043eu0432u043du00a0 prioritythe volume of data transaction, u043du0430u043bu0438u0447u0438u00a0 or u043eu0442u0441u0443u0442u0441u0442u0432u0438u00a0 u0448u0438u0444u0440u043eu0432u0430u043du0438u00a0 data.;58. system u043eu0442u043bu0438u0447u0430u044eu0449u0430u00a0u0441u00a0 1, so that the system software u043eu0431u0435u0441u043fu0435u0447u0435u043du0438u00a0 implemented to disable client software to send coma nco deactivation network wireless u0441u0432u00a0u0437u0438 cell phone or u043fu043eu0434u043au043bu044eu0447u0430u0435u043cu043eu0435 electronic device.
机译:1.系统 u043f u043e u0437 u0432 u043e u043b u00a0 u044e u0449 u0430 u00a0订户无线运营商 u0441 u0432 u00a0 u0437 u0438使用手机或电子设备执行金融交易设备, u0438 u043c u0435 u044e u0449 u0435 u0433可能存在 u043f u043e u0434 u043a u043b u043e u0447e u0447 u0435 u043d u0438 u00a0 u0441 u0432 u00a0 u0437 u0438 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0无线网络,因此,订户拥有一个或多个财务交易帐户,并且该帐户已打开并且为 u0443 u043f u0440 u0430 u0432 u043b u00a0 u0435 u043c u044b u0445操作员 u0441 u0432 u00a0 u0437 u0438,他们可以提取现金存款,并且可能 u043e u0441 u0443 u0449 u0435 u0441 u0442 u0432 u043b u00a0 u0442 u044c u0441 u00a0操作借记和贷记,并且系统提供了用于交易处理的平台,目录为 u043e u0440 u0430 u00a0 u00a0 u0432 u043b u00a0 u0435 u0442 u0441 u00a0系统软件 u043e u04 31 u0435 u0441 u043f u0435 u0447 u0435 u043d u0438 u00a0,为现有计算机操作员 u0441 u0432 u00a0 u0437 u0438和专用计算机以及 u043a u043e u0442 u043e u0440 u0430 u00a0相互的 u043e u0434 u0435 u0439 u0441 u0442 u0432 u0443 u0435 u0442至少是订户数据库和无线网络 u0441 u0432 u00a0 u0437 u0438或一些通往无线数据网络 u0441 u0432 u00a0 u0437 u0438, u043a u043e u0442 u043e u0440 u0430 u00a0 u0443 u043f u0440 u0430 u0432 u0432 u043b u00a0 u0435 u0442 u043f u043f u0440 u0435 u043c u0435 u0449 u0435 u043d u0438 u00a0 u043c u0438和 u043e u043f u0435 u0440 u0430 u0446 u0438 u00a0 u043c和 u0441 u0432 u00a u0437 u0430 u043d u043d u044b u043c u0438金融 u0442 u0440 u0430 u043d u0437 u0430 u043a u0446 u0446 u0438 u00a0 u043c u0438, u0432 u043a u043b u043e u0430 u00a0操作借方,贷方, u043f u043e u0434 u0442 u0432 u0435 u0440 u0436 u0434 u0435 u043d u0438 u00a0交易,发行帐户 u0441 u043e u0441 u0442 u0430 u0432 u043b u0435 u043d u043d u0438 u00a0报告 u043a u043e u0442 u043e u0440 u0430 u00a0文本 u00a0 u0435 u0442并通过无线 u0441 u0432 u00a0 u0437 u0438网络与手机或连接的电子设备之间的数据或其他信息进行 u043e u0442 u043d u043e u0441 u00a0 u0449 u0438 u0435 u0441 u00a0进行交易,并确保可以在手机或设备上运行的客户端软件 u043f u043e u0434 u043a u043b u043e u0447 u0430 u0435 u043c u043e u043c到无线网络 u0441 u0432 u00a0 u0437 u0438或用户识别模块,在移动电话中是sun u0442 u0430 u0432 u043b u0435 u043d u043d u043e u043e u043c u043b u044e u0447 u0430 u0435 u043c u043e u0435电子设备 u0434 u043b u00a0 u0432 u044b u043f u043e u043b u043d u0435 u043d u043d u0438 u00a0以下功能 u043e u043 u0435 u0441 u043f u0435 u0447 u0435 u043d u0438 u00a0 s输入 u043f u0430 u0440 u043e u043b u00a0或其他方式进行ubscriber身份验证, u0440 u0430 u0437 u0440 u0435 u0448 u0435 u043d u0438 u00a0允许或验证,以及 u043e u0431 u0440 u0430 u0436 u0435 u043d u0438 u00a0数据 u043e u0442 u043d u043e u0441 u00a0 u0449 u0438 u0445 u0441 u00a0到金融交易, u0440 u0430 u0437 u0440 u0435 u0448 u0435 u043d u0438 u00a0发送,接收数据, u043e u0442 u043d u043e u0441 u00a0 u0449 u0438 u0445 u0441 u00a0到财务 u0442 u0440 u0430 u043d u0437 u04 u043a u0446 u0438 u00a0 u043c,通过无线 u0441 u0432 u00a0 u0437 u0438的网络或通过网络中特定数据传输通道的金融交易帐户或信息; 2。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,以便使用无线电话在财务交易中的每个帐户 u0441 u0432 u00a0 u0437 u0430 u043d 。; 3。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 2,因此金融交易帐户是与手机用户号码一致的帐户号码; 4.。系统1, u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0,因为每个金融交易帐户都是帐号,因此 u043e u0442 u043b u043b u0438 u0447 u0430来自非移动电话订户的 u0435 u0442 u0441 u00a0; 5。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,因此时间和 u0443 u0441 u043b u043e u0432 u0432 u0438 u00a0 u0438 u0441 u043f u043e u043b u044c u0437 u043e u0432 u0430 u043d u0438 u00a0在订户与运营商之间预先批准的帐户财务交易 u0441 u0432 u00a0 u0437 u0438。; 6。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第5页,但是受付款金融交易的限制,以及违禁者的付款。; 7。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,这样无线电话 u0441 u0432 u00a0 u0437 u04437 u0430 u043d u043d u043e u0439财务交易帐户,语音 u0441 u0432 u00a0 u0437 u0438的可能性被阻止,例如 u043e u043b u044c u0437 u0443 u044e u044e u0442 u0441 u00a0仅存在数据通道。; 8。系统3,通过财务交易与面部帐户订户的移动电话结合在一个帐户中, u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0; 9。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,因此客户端软件预加载和预存在于 u043f u0430 u0430 u043c u00a0 u0442 u0438手机或连接订户的电子设备; 10。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,这样客户端软件 u0437 u0430 u0433 u0440 u0443 u0436 u0430 u0435 u0442 u043f u0430 u043c u00a0 u0442 u044c手机中的 u0441 u00a0或连接电子设备 u043e u0432 u043a u043a u0440 u044b u0442 u0438 金融交易中的用户帐户; 11。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,以便将客户端软件预加载到 u043f u0430 u043c u00a0 u0442 u044c u043c u043e u0434 u0443 u043b u00a0用户标识。; 12。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,这样客户端软件 u0437 u0430 u0433 u0440 u0443 u0436 u0430 u0435 u0442 u043e u0442 u0432 u043a u0440 u044b u0442 u0438 u00a0帐户后的 u043f u0430 u043c u00a0 u0442 u044c u043c u043e u0434 u0443 u043b u00a0用户标识中的 u0441 u00a0财务 u043e u0432 u044b u0445交易;; 13。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 p.10,这样客户端软件 u0437 u0430 u0433 u0440 u0443 u0436 u0430 u0435 u0442 u0441 u00a0通过无线网络 u0441 u0432 u00a0 u0437 u0438。; 14。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,因此客户端软件 u0430 u043a u0442 u0438 u0432 u0438 u0440 u0443 u0435 u0442 u0441 u00a0或 u0440 u0430 u0437 u0431 u043b u043e u043a u0438 u0440 u0443 u0435 u0445 u0442 u0441 u00a0在 u043e u0442 u043a u0440 u044b u0442之后 u00a0金融交易中的订户帐户; 15。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第14页,以便 u0430 u043a u0442 u0438 u0432 u0432 u0430 u0446 u0438 u00a0客户端软体 u043e u0431 u0435 u0441 u043f u0435 u0447 u0435 u043d u043d u0430 u043b u00b0代码;; 16。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第15页,这样特殊的代码 u0434 u043b u00a0激活客户端软件 u043e u0431 u0435 u0441 u043f u0435 u0447 u0435 u043d u0438 u00a0 u043f u043e u0441 u044b u043b u0430 u0435 u0445 u0442 u0441 u00a0通过无线 u0441 u0432 u00a0 u0437和。; 17。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,这样客户端软件可以 u0432 u044b u043f u043e u043e u043b u043d u00a0 u0442 微处理器手机用户或所连接的电子设备用户; 18.。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,这样客户端软件可以 u0432 u044b u043f u043e u043e u043b u043d u00a0 u0442 19,用户的标识; 19。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,这样客户端软件可以 u0432 u044b u043f u043e u043e u043b u043d u00a0 u0442 u044c u0441 u00a0部分位于移动电话的微处理器或连接元件上 u043a u0442 u0440 u043e u043d u043d u043e u0433 u043e设备订户,并且部分位于微处理器 u043c u043e u0434 u0443 u043b u00a0订户的标识; 20。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第17页,以便客户端软件包含或可以激活算法 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u00a0和/或数字签名算法,pci u043e u043b u044c u0437 u0443 u044e u0449 u0438 u0439唯一密钥 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u00a0订户。; 21。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第17页,以便客户端软件可以运行, u0441 u0432 u00a0 u0437 u0430 u043d u043d u044b u0435加密的 / u0434 u0435 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u0435 u043c或生成 /的数字验证 u0434 u043f u0438 u0441 u0438 u0432 u044b u043f u043e u043e u043b u043d u00a0 u044e u0442 u0441 u00a0微处理器 u043c u043e u0434 u0443 u043b 用户的身份; 22。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第20页,但是,密钥 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u00a0订户 u00a0 u0432 u043b u00a0 u0435 u0442 u0441 u00a0唯一的 u0434 u043b u00a0订户及其财务交易帐户。; 23。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 p.17,因此设计了客户端软件 u0434 u043b u00a0 u0441 u043e u0437 u0434 u0430 u043d u0438 u00a0, u0441 u0447 u0438 u0442 u044b u0432 u0430 u043d u0438 u00a0或 u043e u0431 u043d u043e u043e u0432 u043b u0435 u043d u0438 连接订户或订户的移动电话或个人电子设备中的 u0445 u0440 u0430 u043d u00a0 u0449 u0435 u0433 u043e u0441 u00a0中的文件 u043f u0430 u043c u00a0 u0442 u0438 u043c u043e u0434 u0443 u043b u00a0并包含参数 u0441 u0432 u00a0 u0437 u0430 u043d u043d u043d u044b u0435计时和 u0443 u0441 u043b u043b u043e u0432 u0438 u00a0 u043c u0438 ip u043f u043e u043b u044c u0437 u043e u0432 u0430 u043d u0438 u00a0金融交易中的订户帐户; 24。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第23页,但是,该文件至少包含一种类型的数据到财务交易的订户帐户,包括当前余额,限制 u043a u0440 u0435 u0434 u0438 u0442 u043e u0432 u0430 u043d u0438 u00a0,最小交易金额借方交易,最大借方金额;; 25。用户在系统中使用的方法p.1 u0434 u043b u00a0培训或测试 u0440 u0430 u0441 u043f u043e u0440 u00a0 u0436 u0435 u043d u0438 u00a0电话或 u043f u043e u0434 u043a u043b u044e u0447 u0430 u0435 u043c u043e u043c电子设备并通过网络发送它 u0431 u0435 u0441 u043f u04f u0440 u043e u0434 u043b u00a0 water u0441 u0432 u00a0 u0437 u0438包含阶段的平台事务处理,这些阶段使用至少具有数字 u0432 u044b u0433 u043e u0434 u043e u043f u0440 u0438 u043e u0431 u0440 u0435 u0442 u0430 u0442 u0435 u043b u00a0( u043f u043e u043b u0443 u0447 u0430 u0442 u0435 u043b u00a0付款)和金额 u0443 u0434 u0434 u043e u0442 u043e u0432 u0435 u0440 u00a0 u044e u0442数据交易,方法是输入 u043f u0430 u0440 u043e u043b u00a0或使用订户的另一种认证方式 u043e u0442 u043f u0440 u0430 u0432 u043b u00a0 u044e u0442数据交易网络上的离子 u0431 u0435 u0441 u043f u0440 u043e u0432 u043e u0434诺亚 u0441 u0432 u00a0 u0437 u0438。; 26。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第25页的方法,这些交易是 u0432 u044b u0433 u0433 u043e u043e u0434 u043e u043f u0440 u0438 u043e u0431 u0440 u0435 u0442 u0430 u0442 u0435 u043b u00a0。; 27。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第25页的方法,因为交易是通过语音进行的; 28。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.25的方法,以便识别机制 u043f u0440 u043e u0438 u0437 u0432 u0432 u043e u0434 29.通过手机中的指纹认证订户或 u043f u043e u0434 u043a u043b u044e u0447 u0430 u0435 u043c u043c u043e u043c u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.25的方法,以便采用身份验证机制 u043f u0440 u043e u0438 u0437 u0432 u0432 u043e 通过订户语音u0434 u00a0 u0442 ;; 30。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.25的方法,因此 u043f u0440 u043e u0438 u0437 u0437 u0432 u043e u0434 31.通过用户认证机制在脸上。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第25页的方法,但是,该方法还包括一个阶段,在该阶段中,订户指示优先级。32。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.25的方法,但是,该方法还包括一个阶段,在该阶段中,订户指示希望 u043e u0441 u0442 u0430 u0442 u044c u0441 u00a0匿名。; 33。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第25页的方法,还包括一个阶段,其中订户指示日期和 u0432 u0440 u0435 u043c u00a0 u0432 u044b u043f u043e u043b u043d u043d u0435 u043d u0438 u00a0交易。34。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.25的方法,但是,该方法还包括一个阶段,订户指示 u0443 u0441 u043b u043e u0432 u0438 u00a0,必须实现 u0434 u043b u00a0实际 u0441 u043e u0432 u0435 u0440 u0448 u0435 u043d u0438 u00a0交易。35。对于 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第25页的方法,那些生成数字签名证书的人将启动数据事务。 37的方法,以便对数据交易卡进行加密; 37.对数据交易卡进行加密。37。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第25页的方法,但是,该方法还包括一个阶段,在该阶段中,传输数据 u0434 u043b u00a0的交易无线网络中的多个可用通道 u044b u0431 u0438 u0440 u0430 u044e u0442一个通道的数据传输。 p。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 37的方法,以便选择数据传输的通道 u0434 u043b u00a0发送数据交易 u043e u0441 u0443 u0449 u0435 u0441 u0442 u0432 u043b u00a0 u044e u0442至少考虑一个参数,即自然和农业 u043e u0436 u043d u043e u043e u0441 u0442 u0435 u0439手机或连接的电子设备,当前日期和时间,具有处理交易平台的团队,假名钓鱼数据或网络的工作量 u0443 u0440 u043e u0432 u043d u00a0数据交易的优先级 u043d u0430 u043b u0438 u0447 u0438 u00a0或 u043e u0442 u0441 u0443 u0442 u0441 u0442 u0432 u0438 u00a0 u0448 u0438 u0444 u0440 u043e u0432 u0430 u0438 u00a0数据;; 39。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第17页,以便客户端软件在 u043f u043f.25-38之一上实现一种方法。 40系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第39页,以便客户端软件将交易数据与参数 u0441 u043e u043e u0434 u0435 u0440 u0436 u0430 u0449 u0438 u043c u0438 u0441 u00a0文件,其中至少包含以下数据之一:金融交易中订户帐户的当前余额,限制 u043a u0440 u0435 u0434 u0438 u0442 u043e u0432 u0430 u043d u0438 u00a0,最小交易金额借方,最大 u043f u0435 u0440 u0430 u0446 u0438 u0438借方和 u043e u043f u0440 u0435 u0434 u0435 u043b u00a0 u0435 u0442是否授权交易; 41。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第39页,以便客户端软件生成交易数量和交易 u0434 u043e u0431 u0430 u0432 u043b u00a0 u0435 u0442以及此日期和时间 u043c u00a0 u0443 u0434 u043e u0441 u0442 u043e u0432 u0435 u0440 u0435 u043d u043d u0438 u00a0。 42。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 p.39,因此客户端软件 u0444 u043e u0440 u043c u043c u0430 u0442 u0438 u0440 43.根据数据交易的通道,从选定的数据传输通道中编辑数据交易。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0第39页,因此平台上的客户端软件 u043e u0442 u043f u043f u0440 u0430 u0432 u043b u00a0 u0435 u0442交易处理以数字形式与数字签名共享的猫​​头鹰形式的交易数据; 44。系统p.39 u0434 u043b u00a0中的方法 u0434 u043b u00a0 u0438 u0441 u043f u043e u043b u044c u0437 u043e u043e u0432 u0430 u043d u0438 u00a0处理帐户的财务交易交易处理平台上的另一个帐户持有人金融交易(付款人)支持另一个帐户持有人金融交易( u043f u043e u043b u0443 u0447 u0430 u0442 u0435 u043b u00a0付款),包含阶段,即网络经验证的无线 u0441 u0432 u00a0 u0437 u0438数据 u0440 u0430 u0441 u043f u043e u0440 u00a0 u0436 u0435 u043d u0438 u00a0交易已发送并发送到您的手机或直接连接电子设备,将这些数据与 u0441 u043e u0441 u0442 u043e u00a0 u043d u0438 u0435 u043c核算付款人的财务交易和时间,以及 u0443 u0441 u043b u043b u043e u0432 u0432 u00a0 u043c u0438他的 u0438 u0441 u043f u043e u043b u044c u0437 u043e u0432 u0430 u043d u0438 u00a0, u043e u043f u0440 u0440 u0435 u0434 u0435 u043 b u00a0 u044e u0442,授权或取消交易,订单或 u043e u0442 u043c u0435 u043d u00a0 u044e u0442 tr u0430 u043d u0437 u0430 u04330 u043a u0446 u0438 u044e, u0432 u044b u043f u043e u043b u043d u00a0 u044e u0442交易(如果已授权)。 u0441 u043f u0438 u0441 u044b u0432 u0430 u00a0金额交易与 u0441 u0444 u0442付款人和交易金额 u0437 u0430 u0447 u0438 u0441 u043b u00a0 u00a0 u0441 u0444 u0442 u043f u043e u043b u0443 u0447 u0430 u0442 u0435 u043b u00a0或 u043e u0442 u043c u0435 u043d u00a0 u044e u0442交易和 u043e u0442 u043f u0440 u0430 u0432 u043b u043b u00a0 u044e u0442付款人终止通知,并记录交易明细在交易日志中; 45。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法,即表示从金融交易帐户和 /或 u043f u043e u043b u0443 u0447 u0430 u0442 u0435 u043b u00a0付款; 46。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法,但是,交易的佣金 u0432 u043d u043e u043e u0441 u00a0 u0442在付款人和 /或 u043f u043e u043b u0443 u0447 u0430 u0442 u0435 u043b u00a0付款中; 47。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第44页的方法,但是,付款人 u043e u0442 u043f u04f u0440 u0430 u0432 u043b 无线网络上的u00a0 u044e u0442 u0441 u0432 u00a0 u0437 u0438确认 u0432 u044b u043f u043e u043b u043d u0435 u043d u0438 u00a0交易。; 48。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0第44页的方法,但是,付款的接收方 u043e u0442 u043f u0440 u0430 u04330 u0432 u043b无线网络或互联网上的交易通知。49。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法,以便在收到交易到交易 u0440 u0430 u0441 u043f u043e u0440 u00a0 u0436 u0435 u043d u0438 u00a0 u0434 u043e u0431 u0430 u0432 u043b u00a0 u044e u0442标记时间。; 50。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法,以便 u0440 u0430 u0441 u043f u043f u043e u0440 u00a0 u0436 u0435 u043d u0438 u00a0事务到事务 u0434 u043e u0431 u0430 u0432 u043b u00a0 u044e u0442标记时间。; 51。 p.44的方法,以便每个事务都有一个唯一的编号。52.执行 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法,这样 u0434 u0435 u0448 u0438 u0444 u0440 u0440 u043e u0432 u0430 u043d u0438 u0435数据 u0440 u0430 u0441 u043f u043e u0440 u00a0 u0436 u0435 u043d u0438 u00a0交易和/或数字签名的验证 u043f u0440 u043e u0438 u0437 u0432 u043e u0434 u00a0 u0442使用该密钥。53。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.44的方法,但是,某些数据 u043e u0442 u043f u043f u0440 u0430 u0432 u043b u00a0 u0435 u043c u044b u0435用于处理金融交易帐户持有人交易的平台是 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d iue和 /或提供电子签名。 ; 54。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0438 u0439 u0441 u00a0 p.52的方法,以便 u0434 u043b u00a0 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u00a0 / u0434 u0435 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u00a0和 /或使用公用密钥生成数字签名基础设施; 55。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,因此系统软件 u043e u0431 u0435 u0441 u043f u043f u0435 u0447 u0435 u043d u0438 u00a0可以通过第45.; 56页的方法实现。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 p.55,因此系统软件 u043e u0431 u0435 u0441 u0431 u043f u0435 u0447 u0435 u043d u0438 u00a0选择最多的 u043f u043e u0434 u0445 u043e u0434 u00a0 u0449 u0438 u0439无线传输的通道数据传输网络 u0441 u0432 u00a0 u0437 u0438 u0434 u043b u00a0 vl u0430 u0434 u0435 u043b u044c u0446 u0430 u043c财务交易数据帐户, u043e u0442 u043d u043e u0441 u00a0 u0449 u0438 u0445 u0441 u00a0进行交易或帐户信息。; 57。系统p。 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 56,以便选择数据传输通道的过程 u043e u0441 u0443 u0449 u0435 u0441 u0442 u0432 u043b u00a0 u0435 u0442 u0441 u00a0至少考虑一个参数,即手机或连接电子设备的类型和容量,实际的 u043c u0435 u0441 u0442 u043e u043f u043e u043b u043e u0436 u0435 u043d u0438 u00a0手机或连接电子设备,当前日期和时间会加载数据连接或网络 u0443 u0440 u043e u0432 u043d u00a0优先级数据交易量 u043d u0430 u043b u0438 u0447 u0438 u00a0或 u043e u0442 u0441 u0443 u0442 u0441 u0442 u0432 u0438 u00a0 u0448 u0438 u0444 u0440 u043e u0432 u0430 u043d u0438 u00a0 data。; 58。系统 u043e u0442 u043b u0438 u0447 u0430 u044e u0449 u0430 u00a0 u0441 u00a0 1,因此系统软件 u043e u0431 u0435 u0441 u043f u043f u0435 u0447 u0435 u043d u0438 u00a0已实施,以禁用客户端软件来发送昏迷的网络禁用coma nco停用网络无线 u0441 u0432 u00a0 u0437 u0438手机或 u043f u043e u0434 u043a u043b u044e u0447 u04447 u0430 u0435 u043c u043e u0435电子设备。

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