WO2011046469A1

WO2011046469A1 - Automated system for conducting transactions

Info

Publication number: WO2011046469A1
Application number: PCT/RU2010/000553
Authority: WO
Inventors: Илья Геннадьевич ГУЩИН; Дмитрий Николаевич НОСОВ; Вадим Олегович ПРОЗОРОВ
Original assignee: Gushchin Ilya Gennadievich; Nosov Dmitry Nicolaevich; Prozorov Vadim Olegovich
Priority date: 2009-10-16
Filing date: 2010-10-05
Publication date: 2011-04-21

Abstract

The invention relates to means for conducting electronic transactions in the field of electronic commerce and electronic payments. The system includes the exchange, purchase and giving of prizes under consumer incentive programs (CIPs), and comprises a transaction processing centre (TPC), a database management system (DBMS), and user terminals (UTs). The DBMS and the UTs are connected to the TPC via a communication channel. The DBMS is designed to allow for the recording, deletion, extraction and modification of data clusters and contains a hardware component comprising one or a group of database servers that are interconnected by a communication channel, and a software component comprising at least one database that contains user data clusters, at least one counter for counting prizes of the same type or payment means of the same type, transaction data clusters, a transaction type identifier, and prize data clusters. The technical result is a reduction in the extent of the obligations that incentive program organizers have to users in an automated system.

Description

AUTOMATED SYSTEM FOR TRANSACTIONS

RELATED APPLICATION INFORMATION

The present invention claims an earlier priority in the filing date of the application of the Russian Federation for utility model N ° 2009138262 of 10.16.2009, according to which a patent of the Russian Federation for utility model N ° 93561 is issued.

FIELD OF THE INVENTION

The invention relates to automated systems and equipment for conducting electronic transactions in the field of electronic commerce and electronic payments.

BACKGROUND

Currently, the total world debt of the organizers of consumer stimulation programs to consumers reaches several billion dollars, and continues to grow.

There are three main areas in which incentive programs are most often practiced: tourism (air carriers, hotels), financial transactions (banks, payment systems), direct sales (retail chains), and telecommunications (mobile operators, telematic services).

Consumer incentive programs (consumer incentive programs, abbreviated as “PPP”) include various kinds of obligations of a producer of goods or services to ensure a favorable treatment for loyal consumers, which can be expressed in particular in the provision of various kinds of clothing gifts, discounts, club / membership cards, vouchers, timeshares, coupons, gift

certificates, in the provision of obligations to return or exchange money or things, in the provision of free additional services or services on preferential terms. Around the world, there are about a hundred airline-sponsored consumer incentive programs, several hundred payment gateways funded by payment systems, and about ten thousand retail gatekeepers.

The number of consumers participating in various RFPs reaches hundreds of millions and continues to increase.

The main problems of the RFP are large volumes of obligations that remain unclaimed for a reasonable period. The reasons for this phenomenon can be very different, for example, if the issuance of prizes in one of the all-Russian BCPs is carried out only in one of the regions of Russia, this creates great difficulties for consumers living at a considerable distance from the place of issue of prizes. Or the value of the prize may be so insignificant that the consumer considers the conditions necessary to receive it too burdensome.

Often, consumers who rarely resort to the services of the PPP organizer during the period of the PPP validity do not manage to accumulate a sufficient number of prizes so that claiming the prize is justified for them, and even feasible, for example, it is practically impossible to claim several tens of prize miles in the SPP organized by air carriers. In cases where consumers resort to the services of the BCP organizers away from their place of residence, accidentally or for business purposes (for example, on business trips, the consumer uses the services of an air carrier), prizes usually remain unclaimed.

Despite the virtually zero efficiency of stimulating this category of consumers, financing of the prize fund for them, as a rule, requires the same amount of reservation as for the other categories

consumers. The amount of unclaimed prizes is difficult to predict, so the organizers of the RFP are often forced to create excess reserves for

financing of obligations under the RFP in full. In addition, if the SPT provides for the issuance of clothing prizes, the organizer takes on the costs of their purchase, transportation, storage and destruction. This leads to the withdrawal from circulation of significant amounts of cash.

Typically, these difficulties are overcome by limiting the term of the SPT. However, such measures repel the most loyal consumers who, for one reason or another, do not have time to take advantage of the significant discounts offered at the RFP, which completely contradicts the main objectives of such programs.

Another approach to solving the problem of the cost of servicing unclaimed prizes is to offer consumers the opportunity to exchange prizes received at various BCPs.

As a result, a consumer who has the right to receive a prize of one type (for example, discounts from an electronic equipment dealer) can exchange them for prizes of another type belonging to another consumer (for example, for a discount for an air ticket).

A known system for exchanging prizes received by consumers in various RFPs (international publication WO / 2004/023354). This system uses the well-known concept of an electronic commodity or stock exchange, with the difference that instead of goods or securities, tenders are held with incentive prizes.

A known system and method for exchanging prizes between consumers

(international publication WO / 2009/070889). According to this method, consumers can exchange their incentive prizes at the rate that they set at their discretion. To do this, a consumer who wants to exchange their prizes submits an application for the exchange of X prizes of one type for Y prizes of another type. Another consumer has the opportunity to view the applications for the exchange of prizes and, depending on the exchange rate, accept them. As a result, with mutual agreement with the exchange rate, consumers can exchange their incentive prizes. To compensate for his expenses, the administrator of this system deducts funds from one or both users for each exchange operation.

A known system for conducting open tenders for incentive prizes using the infrastructure of the Internet (international publication

WO / 2001/033451). This system uses a well-known concept.

Online auction (see, for example, www.ebav.com with the difference that instead of goods for bidding, they are entitled to receive an incentive prize.

Known interactive system and method for accumulation and exchange

incentive prizes (international publication WO / 2002/048942). According to this method, after authentication and verification of the solvency of the user, he is offered a list of prizes that he can purchase with his available means of payment (which are suitable, including incentive prizes), the user enters an application indicating the price for which he agrees to purchase a certain number of prizes, and if he offered the best price, the system deducts the commission and cost of the application from his payment account and credits the acquired prizes to his prize account.

There is an electronic system for bartering the exchange of incentive prizes, in which the consumer receives prizes from several different organizers PPP, each of which independently maintains prize accounts of consumers through a prize server (international publication WO / 2000/079461).

The system contains a trading server, which collects information about all incentive prizes belonging to the consumer, from all prize servers connected to it through the network, and credits an equivalent number of conventional units to the consumer’s exchange account. The consumer can choose the type of prizes to be acquired through a terminal connected to the trading server via the network. Depending on the balance of the exchange account, the terminal provides the consumer with information about the type and number of prizes that he can purchase in exchange for the prizes he has.

A known system and method for exchanging incentive prizes between consumers (international publication WO / 2002/077884). In this method, incentive prizes of one kind are exchanged for incentive prizes of another kind. To do this, the consumer submits an application for the exchange of a certain number of incentive prizes of one type belonging to him for prizes of another type, allows the PPP organizers to offer a certain number of prizes of the desired type depending on the exchange rate between the mentioned prizes, and either accepts the offer or rejects it.

The general disadvantage of the above systems disclosed in international publications WO / 2004/023354, WO / 2009/070889, WO / 2001/033451, WO / 2002/048942, WO / 2000/079461, WO / 2002/077884, preventing the achievement of the aforementioned technical result , consists in the fact that as a result of the exchange of incentive prizes between consumers, the total amount of obligations of the organizers of the RFP does not change. In a specific example, when exchanging prizes between consumers, if their nominal prices are correlated as 1: 2, then the consumer with 10 prizes in the PPP N ° 1 (for example, free miles when buying a ticket), acquires 20 prizes at the RFP N ° 2 (for example, rubles discounts at the purchase of electrical equipment), at the same time a consumer who has 20 prizes at the RFP N ° 2 acquires 10 prizes at the RFP Mb 1 As a result of such an exchange, the total number of prizes of a certain type does not change. Such a scheme is disadvantageous to consumers in that they are forced to compensate the administrator for expenses in cash, and it is disadvantageous to the organizers in that they incur additional costs for operating the system, while as a result of its operation the probability of claiming prizes increases to almost 100%.

Thus, the object of the present invention is to provide a means devoid of the above disadvantages.

SUMMARY OF THE INVENTION

The aim of the invention is: to increase the attractiveness of the RFP for consumers and organizers of the RFP; increasing prizes liquidity in PPP;

improving the convenience of accounting for RFP.

The technical result of the present invention is to create

an automatic system for exchanging, buying and selling and giving incentive prizes, which allows reducing the amount of obligations of the organizers of incentive programs to users.

For brevity, in this text, the claimed automatic exchange system of prizes of consumer incentive programs can be referred to as a “system”, and the user of this system as a “user”, “consumer”, “premium” or “prize winner”. For definiteness, the terms and expressions that are used in this text, as well as their semantic, derivational and grammatical

equivalents, give the following values.

The term “prize” or the expression “incentive prize” covers any circulating monetary and material values, including goods and services, as well as the obligations of one person to provide these values to another person free of charge or on preferential terms.

The expression “organizer of a consumer incentive program” or “organizer” in this text means an individual or legal entity that provides prizes to the consumer on its own behalf and at its own expense.

The words “consumer reward program”, “loyalty program”, “bonus program”, “consumer incentive program”, abbreviated as “PPP”, mean the set of activities undertaken by the organizer to attract consumers by providing incentive prizes. One organizer may have several RFPs at the same time, or several

the organizers can supervise together one RFP (coalitional RFP).

The term "transaction" means a set of interrelated operations carried out on a system, involving at least two parties, in which each of the subsequent operations is completed only after the successful completion of all previous operations, and in case of unsuccessful completion of at least one of the operations , the system is returned to its original state.

The expression “transaction parties” covers all participants in the system involved in the transaction and who are independent subjects of civil law, these include various organizers, various users and

administrator. The term “administrator” means a party to a transaction that provides the software and hardware necessary to conduct a transaction through the claimed system.

The term "means of payment" means any quantifiable tangible and monetary funds, as well as any negotiable values and obligations that can be used for settlements between the parties, including prizes and electronic money.

The expression "transaction commission", abbreviated as "TC" means

a certain amount of means of payment, prizes and obligations, which as a result of the transaction passes from users to other parties to the transaction or is canceled. The transaction commission consists of at least the first part, which is a certain number of prizes that are canceled as a result of the transaction, and optionally the second and third parts, the second part being transferred to one or more organizers, and the third part is deducted in favor of the administrator.

The expression "authentication data" means a set of data that allows you to distinguish one of the users of the system from the rest

users.

In this text, the term “user”, “consumer”, “premium” or “prize winner” is used to refer to a party to a transaction that is an independent subject of civil law that has a user terminal and

authentication data to access the system, and which can make transactions on its own behalf and at its own expense. Users can be in particular individuals and legal entities, including charities

organization. In the present text, the term "application" means an offer to complete a transaction on predefined conditions. Conditions can be set by the user himself at his discretion, or the user can create applications only on standard conditions that are predefined in the system by the administrator and / or organizers. The party that created the application is obliged to execute it, if during the time of its existence, the other party agrees with all its conditions. The application may be revocable, irrevocable and temporary. Temporary application

automatically canceled if, during a predetermined period of time, neither of the parties expresses consent to its terms. Consent can be expressed, for example, in the form of an application for a transaction with the opposite result (counter application) on the same or better conditions than those proposed (for example, a purchase application and a counter application for sale).

Any order may be executed by one or several counter orders, for example, a sale order may be executed by several

counter purchase orders (i.e. partial execution), and vice versa: a purchase order can be executed by several counter orders for sale.

The remaining terms and expressions have the meanings adopted in the technical field to which they relate.

The stated technical problem has been solved due to the fact that the claimed automatic system for transactions, including exchanging, purchasing and giving prizes for consumption promotion programs (PPP) and carried out between transaction parties selected from users, PPP organizers, an operator and charitable organizations, contains a transaction processing center (DTT), a database management system (DBMS) and user terminals (DT), while the DBMS and DT are connected to the DTT via wired and / or a wireless communication channel, the DBMS is configured to record, delete, retrieve and modify data bundles and includes hardware that includes one database server or a group of database servers connected by a wired and / or wireless communication channel, and the software part, which includes at least one database containing user data bundles (PSDs), each of which contains user authentication data (ADP) and at least one prize counter od one type or means of payment of one type (SP), transaction data bundles (SDT), each of which contains a unique transaction identifier (UIT), and transaction type identifier (ITT), prize data bundles, each of which contains a prize type identifier (IVP) and the nominal price of the prize or means of payment (NCP); said CTC is designed in such a way that when a user enters the ADP and the type of transaction, the user creates an SDT containing UIT and ITC, then extracts the JVs associated with the ADP from the PSD, calculates the number of prizes or means of payment that the user can purchase and / or transfer as a result of the transaction, taking into account the NCP and the value of the transaction commission (TC), and after receiving data from the user about the type of transmitted and / or acquired prizes and / or means of payment, and about the amount of at least one of them, which does not exceed the calculated one, the user’s joint ventures are changed simultaneously with the joint ventures of the other parties to the transaction, while the total cost of prizes and money of the user and other parties to the transaction is reduced by the value of the TC.

In a particular embodiment, the DBMS hardware contains servers interconnected via a wired and / or wireless communication channel, and the software part consists of databases and program code, each of which includes an PSD containing prize accounts of prizes of the same type, with each of the databases installed on a separate database server. This allows you to post information about prize accounts of users and authentication data.

users on the side of the organizers of the RFP, which simplifies the accounting of liabilities for them and increases the level of security.

In one particular embodiment, the user terminal

is a laptop computer, mobile phone, smartphone, laptop and / or netbook.

In yet another particular embodiment, the user terminal is a POS terminal.

In another particular embodiment, the system is configured to set the price of prizes by users, while the purchase price of prizes specified by users cannot be less than a predetermined nominal price of a prize, and the transfer price cannot be greater than a predetermined nominal price of a prize. In this embodiment, the user can independently set the purchase price of the prize above the nominal value set by the organizer, and the transfer price, respectively, above this value, for example, to increase the liquidity of the prizes.

In a private embodiment, the system is configured to

preliminary setting of the rules for calculating the transaction commission, depending on the type of transaction. The rules for calculating TCs may be publicly available and may depend on the marketing policy of the organizer and the type of transaction. For example, for exchange transactions and sales, different TCs can be set.

In one particular embodiment, the system is configured to calculate the TC in proportion to the value of the transmitted prizes or means of payment. AT In this embodiment, the specific size of the TC depends on the number of prizes or means of payment that go from one side to the other.

In yet another particular embodiment, the system is capable of independently pre-setting the TC for different users and / or types of transactions. This allows you to set individual TCs for each of

users, including depending on the type of transaction.

In another particular embodiment, the system is configured to process revocable or irrevocable applications.

In yet another particular embodiment, the system is configured with

the ability to process temporary applications.

In a private embodiment, the system is configured to receive user applications only if the cost of all prizes and means of payment of the user at a nominal price is higher than the value of the application. This allows you to pre-reject applications of insolvent users that cannot be executed.

Solvency can be calculated taking into account all the applications available in the system. For example, a situation is possible when the system has only three applications “Ш” for exchange of prizes “01” for prizes “02”, application “P2” for exchange of prizes “03” for prizes “02” and application “ПЗ” for exchange of prizes "03" for the prizes "01". The “PZ” user cannot directly exchange “03” prizes for “01” prizes, due to the lack of counter applications. However, in this case, the solvency of "PZ" can be calculated taking into account all applications, based on the fact that you can exchange prizes "03" for prizes "01" in two stages: at the first stage, prizes "03" are changed to prizes "02", and at the second stage, the prizes “02” are changed to the prizes “01”. These operations can be combined into one.

transaction. In one particular embodiment, the system is configured to view requests from one user by other users. This allows users to assign conditions for applications that are adequate to the current picture of supply and demand.

In yet another particular embodiment, the system is configured to view only purchase requisitions or only requests for transferring one user by other users. In this embodiment, for

users are only able to purchase applications or only transfer applications, while users are not able to view counter orders. This embodiment of the system allows holding closed auctions. In a preferred embodiment, the user can submit a temporary application, with the possibility of viewing by all users, counter orders can be received before the expiration of the application period, and after the transaction is completed at the best price of the counter application.

In another particular embodiment, the system is designed in such a way that if the purchase requisition price is higher than the counter bid price, then the transaction is made at the counter bid price. This option allows you to reduce the severity of the consequences of user errors in the bid price.

In one particular embodiment, the system is designed in such a way that if the price of an application for purchase is higher than the price of the counter application, then the transaction is made at the price of the application for purchase and at the price of the counter application, and the difference between the value of the application for acquisition and the value of the counter application

distributed between the other parties to the transaction.

In this embodiment, transactions are carried out in full accordance with the terms proposed by the parties to the transaction, even if the application can be performed on the best conditions for the seller (user transmitting the prize) or for the buyer (user who purchases the prize). For example, a situation is possible when “W” declares the sale of 5 prizes for 3 units of value, “P2” declares the purchase of 2 prizes for 2 units of value, and “PZ” declares the purchase of the 1st prize for 1 unit of value. In this embodiment, 2 prizes “Sh” transmit “P2”, 1 prize “Sh” transmit “ПЗ”, 2 units of value transmit “П1” from “П2” and 1 unit of value transmit “Ш” from “ПЗ”. The remaining 2 prizes at "W" are written off and distributed on pre-determined conditions between the operator and

administrator.

DETAILED DESCRIPTION OF THE INVENTION

The following examples are given only to illustrate the principles embodied in the claimed invention. Nothing in this section of the description should be construed as limiting the scope of the claims. It should be clear that the average person familiar with the ideas of the present invention, can use its main distinguishing features and make equivalent replacements to achieve the task and without deviating from the spirit and scope of the present invention.

EXAMPLE 1

EXCHANGE BY THE USER OF THEIR PRIZES FROM DIFFERENT ORGANIZERS

The user "Ш" of the system, has in his account 100,000 prizes of the organizing company "01" at a nominal price of 0.10 rubles. everyone. If “Sh” does not plan to use the services of “01”, then it is beneficial for him to exchange prizes “01” for prizes of the desired type from the organizing company “02”. In the event of a transaction, “02” becomes obligated to “W” in respect of 100,000 prizes of “01”, for which

“01” pays “02” the full price of prizes at a nominal price, but less U2010 / 000553

10,000 rub. This is achieved due to the fact that during the implementation of each transaction, the number of prizes is reduced by the amount of the transaction commission (TC), which the company "01" sets before the transaction. As a result of the transaction, “01” will void part of the prizes. Each company sets the size of the shopping mall

by yourself. During the period of operation of the system, each company can adapt the TC to the ratio of supply and demand and depending on factors such as

seasonality, inflation and marketing strategies.

Thus, the user initiates a barter transaction through the user terminal (TIT), the transaction conditions are calculated depending on the predefined TCs and the cost of prize units and provided to the user. If the user agrees to the terms of the transaction, the prize counter from the 01 company is reduced at the same time as the prize counter from the 02 company increases by an equivalent amount. At the same time, the company’s cash account “01” is reduced in proportion to the value of the prizes, at the same time as the company’s cash account “02” is reduced by the same amount minus the TC

administrator.

Prior to the transaction, the system can inform the user about all the conditions of the transaction, that is, that for 100,000 prizes from “01” he can buy 5541 prizes from the company “02”. If you agree with the transaction parameters,

the user initiates this operation.

In a specific example, “Ш” changes 100,000 prizes, the “01” company shopping cart accounts for 30% of the number of prizes transferred, the administrator’s shopping cart makes up 5% in money terms of the price of prizes at the nominal price, and the “02” shopping cart makes up 20% in money terms . Then, during the transaction, 30,000 “01” prizes (that is, 30%) of the value of the remainder of the prizes for the nominal price (7000 rubles) is held by 5% in favor of the administrator, and the balance (6650 rubles) is transferred to "02". At the same time, "Sh" accrue prizes of the company "02" in the amount of 5320 rubles. (i.e. 6650 rubles minus 20%). As a result, “01” gets rid of part of the obligations, i.e. 30000 prizes, and “02” receives 6650 rubles. and liabilities in the amount of 5320 rubles.

EXAMPLE 2

PURCHASE AND SALE OF PRIZES BETWEEN USERS

User "Ш" has 100,000 prizes from "01" at a nominal price of 0.10 rubles. The user "W" wants to sell their prizes and receive cash.

User “P2” wants to purchase a prize from “01” for cash. In the case of the sale of prizes “01”, claim rights pass from “P1” to “P2”, while

the number of prizes is reduced by the value of the transaction commission (TC): the declared number of prizes is written off from the P2 account, and the number of prizes reduced by the TC is credited to the account “Ш”.

The transaction is carried out as follows: "Ш" initiates the transaction by submitting a sales order, the system reduces the number of prizes sent to the TC in the application. The “Ш” application is compared with the “P2” application and, if the demand price matches or is better than the offer price, then the number of “01” prizes at “Ш” is reduced simultaneously with an increase in the number of “01” prizes at “P2” by the same number of prizes, reduced by the value of TC. At the same time, the cash account “P2” is reduced simultaneously with the increase in the cash account “Ш” by the same amount.

At the same time, TCs are debited from the cash account of 01 company in favor of

administrator which is proportional to the value of the transmitted prizes and / or TC of the company “01”. 10 000553

In a specific example, "Ш" sells 100,000 prizes, and the TC of the company "01" for transactions of this type is 30,000 prizes (30% of the number of prizes). In this case, 100,000 prizes are deducted from the account of prizes from the company “01” of the user “P2”, simultaneously with the crediting to the account of the “P2” account 70,000 prizes “01”. As a result of the transaction, 30,000 prizes are canceled. The administrator can deduct from the company “01” the transaction fee in proportion to the TC of the company “01” and the value of the transferred prizes.

EXAMPLE 3

EXCHANGE OF PRIZES BETWEEN USERS

Transactions of this type represent a barter in which the parties are users of the system, and the barter is the prizes of one of the organizing companies of the RFP.

The user "Ш" has 100,000 prizes "01" and wants to exchange them for prizes "02". User “P2” has prizes “02”, and wants to exchange them for prizes “01”. If “Ш” changes prizes “01” to prizes “P2” from “02”, then obligations “01” are transferred to “02”, and obligations “02” are transferred to “01” simultaneously with

a change in the beneficiaries of the obligations “Sh” and “P2”, while the total number of prizes and obligations is reduced. This is achieved due to the fact that the number of prizes declared by him is debited from the account “Ш”, and the reduced number of prizes is credited to the account “P2”. As a result of the transaction, part of the prizes will be canceled.

The user “P1” submits an application for the exchange of prizes “01” for prizes “02”. The declared number of prizes is reduced by TC "01". User “P2” submits an application for the exchange of prizes “02” for prizes “01”. Prizes claimed

reduced by TC "02". The company “01” deducts prizes from the account “P1” and credits to the account “P2” the same number of prizes “01”, reduced by TC “01”. Prizes "02" deducted from the account "P2" and credited to the account "W" the same amount, deducted by the value of TC "02". The administrator deducts from the “01” and “02” the administrator’s shopping mall.

In a specific example, "W" changes 100,000 prizes, TC "01" is 30%. In this case, 100,000 prizes “01” are deducted from the account “Ш”, and 70,000 prizes “01” are credited to the account “P2”, and 30,000 prizes “01” are canceled. Similarly, when transferring prizes “02”, the company “02” will cancel part of the prizes “02”. If the user "P2" puts forward an application for the exchange of his 1000 prizes, TC "02" is 20%, then at the time of the transaction, 1000 prizes "02" are written off from the account "P2", 800 prizes "02" are credited to the account "Ш", and 200 "02" prizes will be canceled. At the same time, the administrator charges and holds the TC from the company “01” and from the company “02”, the TC is proportional to the number of prizes and / or TC of the organizers. In this example, a transaction will occur if “Ш” places an application for exchange 100,000 prizes “01” for 800 prizes “02”, and “P2” puts an application for exchange 1000 prizes “02” for 70,000 prizes “01”.

EXAMPLE 4

ACQUISITION OF PRIZES BY THE USER AT THE ORGANIZER

According to transactions of this type, the user purchases prizes

directly with the organizer.

The transaction is carried out as follows: after "Ш" initiates the transaction, the company "01" credits the prizes to the account "П1", at the same time they reduce the money account "Ш" and increase the money account "01" by the same amount minus the administrator's TC. Thus, “01” makes a profit from the sale of prizes, and “Sh” - a bonus.

In a specific example, “Ш” has 13000 “01” prizes, and the minimum threshold required for the award of prizes is 15000. That is, “Sh” lacks 2,000 “01” prizes to claim the prize. Company 01 may offer Sh to purchase she has additional prizes at a price higher than the nominal (1 rub.) taking into account shopping mall “01”. If TC 01 is 20% of the value of the prizes, then the price of the prize will be 1.20 rubles. If the user needs to purchase an additional 2,000 prizes to claim the prizes, the user can buy them from “01” for 2,400 rubles. Part of the profit “01” is paid to the administrator.

EXAMPLE 5

GIVING PRIZES

According to this type of transaction, the user gives his bonuses in favor of the company, for example, the charity “02”.

After the user initiates the transaction, the company “01” writes off the prizes from the account “Ш” and credited to the account “02” the equivalent amount of money, reduced by the amount of the transaction fee, at the same time from the account of the company “01” the TC is debited to the administrator in cash.

In a specific example, "Ш" has 100,000 "01" prizes and wants to give them to the "02" company, the nominal price of the "01" prize is 1 ruble, and the shopping cart = 40%. If “P1” gives 100,000 prizes “01”, then 6000 rubles are transferred to the cash account “02”. and annul the prizes "02" worth 4000 rubles.

Changes and modifications of the claimed system, as well as additional applications of the principles underlying the claimed system, which are obvious to specialists in this field of technology, are included in the scope of the present invention.

Claims

CLAIM

1. An automatic system for carrying out transactions, including exchanging, buying and giving prizes under programs to encourage consumption (PPP) and carried out between transaction parties selected from users, organizers of the PPP, operator and charitable organizations, containing a transaction processing center (CTC), a database management system (DBMS) and user terminals (DT), while the DBMS and DT are connected to the central heating center via a wired and / or wireless communication channel, the DBMS is configured to record, delete, the flow and modification of data bundles and contains a hardware part that includes one database server or a group of database servers connected to each other via a wired and / or wireless communication channel, and a software part that includes at least one a database containing user data bundles (SDPs), each of which contains user authentication data (ADPs) and at least one prize counter of one type or means of payment of one type (SP), transaction data bundles (SDTs) ), each of which contains a unique transaction identifier (UIT), and a transaction type identifier (ITT), prize data bundles, each of which contains a prize type identifier (IVP) and a nominal price of the prize or means of payment (NCP); said CTC is designed in such a way that when a user enters the ADP and the type of transaction, the user creates an SDT containing UIT and ITC, then extracts the JVs associated with the ADP from the PSD, calculates the number of prizes or means of payment that the user can purchase and / or transfer as a result of the transaction, taking into account the NCP and the value of the transaction commission (TC), and after receiving from the user data on the type of transmitted and / or acquired prizes and / or funds payment, and about the amount of at least one of them that does not exceed the estimated one, the user’s joint venture is changed simultaneously with the joint venture of the other parties to the transaction, while the total cost of the prizes and money of the user and other parties to the transaction is reduced by the value of TC.

2. The system of claim 1, wherein the DBMS hardware contains servers interconnected via a wired and / or wireless communication channel, and the software part consists of databases, each of which includes an PSD containing prize accounts of prizes of the same type, In this, each of the databases is installed on a separate database server.

3. The system according to claim 1 or claim 2, in which the user terminal is a laptop computer, mobile phone, smartphone, laptop and / or netbook.

4. The system of claim 1 or claim 2, wherein the user terminal is a POS terminal.

5. The system according to claim 1, configured to set the price of prizes by users, while the purchase price of prizes specified by users cannot be less than a pre-set nominal price of a prize, and the transfer price cannot be more than a pre-set nominal price of a prize

6. The system according to claim 1, made with the possibility of preliminary setting the rules for calculating the transaction commission, which depend on the type of transaction.

7. The system according to p. 1 or p. 6, made with the possibility of calculating the transaction commission in proportion to the value of the transferred prizes or means of payment.

8. The system according to p. 1 or p. 6, made with the possibility of independent preliminary task of the TC for different users and / or types of transactions.

9. The system of claim 1, configured to process revocable or irrevocable applications.

10. The system according to p. 1 or p. 9, made with the possibility of processing temporary applications.

11. The system according to p. 1 or p. 9, made with the possibility of receiving user applications only if the cost of all prizes and means of payment of the user at a nominal price is higher than the cost of the application.

12. The system according to p. 1 or p. 9, configured to view requests of one user by other users.

13. The system according to p. 1 or p. 9, made with the possibility of viewing only applications for the purchase or only applications for the transfer of one user by other users.

14. The system according to p. 1 or p. 9, made in such a way that if the price of an application for purchase is higher than the price of the counter application, then the transaction is made at the price of the counter application.

15. The system according to p. 1 or p. 9, made in such a way that if the price of the application for purchase is higher than the price of the counter application, then the transaction is made at the price of the application for purchase and at the price of the counter application, and the difference between the value of the application for purchase and the cost the counter application is distributed among the other parties to the transaction.