EA004775B1 - Method of identification - Google Patents

Abstract

1. A method of identification including formation of a primary code and drawing of the primary code by record in memory of the center of acknowledgement of authenticity of the user of a communication network and in memory of a personal mobile communication facility, formation of the second personal code and drawing of the second personal code by record in memory of the center of acknowledgement of authenticity, creation of, at least, one transmission link between the center of acknowledgement of authenticity of the user of a communication network, the center of acknowledgement of authenticity and a personal mobile communication facility, generation from a personal mobile communication facility and transfer to the center of acknowledgement of authenticity on the mentioned transmission link of inquiry about acknowledgement of authenticity, and identification of the code, characterized in that in addition the record of the second personal code in memory of a personal mobile communication facility is carried out, record of the reproduced code - analogue of a second personal code in memory of a personal mobile communication facility is carried out, transfer to the center of acknowledgement of authenticity of inquiry about acknowledgement of authenticity is carried out by input in a personal mobile communication facility of the second personal code with the subsequent reproduction by means of a personal mobile communication facility of the reproduced code - analogue of the second personal code and reading of the reproduced code - analogue of the second personal code from a personal mobile communication facility is carried out, thus identification of the second personal code is carried out in the center of acknowledgement of authenticity by results of identification of a primary code in the center of acknowledgement of authenticity of the user of a communication network and reading of the reproduced code - analogue of the second personal code. 2. The method according to Claim 1, characterized in that the reproduced code - analogue of the second personal code is reproduced as acoustic radiation with frequency from 16 Hz up to 1x10<9> Hz. 3. The method according to Claim 1, characterized in that the reproduced code - analogue of the second personal code is reproduced as optical radiation. 4. The method according to Claim 3, characterized in that the reproduced code - analogue of the second personal code is reproduced as radiation with length of a wave from 3.8x10<-7> m up to 1x10<-2> m. 5. The method according to Claim 4, characterized in that the reproduced code - analogue of the second personal code is reproduced as radiation with length of a wave from 7.7x10<-7> m up to 1x10<-2> m. 6. The method according to Claim 4, characterized in that the reproduced code - analogue of the second personal code is reproduced on the display of a personal mobile communication facility as radiation with length of a wave from 3.8x10<-7> m up to 7.7x10<-7> m. 7. The method according to Claim 5, characterized in that the reproduced code - analogue of the second personal code is reproduced as a graphic code. 8. The method according to Claim 7, characterized in that the reproduced code - analogue of the second personal code is reproduced as a bar code. 9. The method according to Claim 7, characterized in that the reproduced code - analogue of the second personal code is reproduced as finger-prints (dactylogram). 10. The method according to Claim 7, characterized in that the reproduced code - analogue of the second personal code is reproduced as an electronic photo. 11. A method of identification of paying capacity of the buyer, including formation of a primary code and drawing of a primary code by record in the processing center of the operator of a communication network and in memory of a personal mobile communication facility, formation of a personal code of the buyer and drawing of the second personal code by record in the processing center of bank, creation, at least, one transmission link between the processing center of the operator of a communication network, the processing center of bank and a personal mobile communication facility, generation from a personal mobile communication facility and transfer in the processing center of bank on the mentioned transmission link of inquiry on acknowledgement of paying capacity, and identification of a personal code of the buyer, characterized in that in addition record of a personal code of the buyer in memory of a personal mobile communication facility is carried out, record of reproduced code - analogue of a personal code of the buyer in memory of a personal mobile communication facility is carried out, transfer in the processing center of bank of inquiry about acknowledgement of paying capacity is carried out by input in a personal mobile communication facility of a personal code of the buyer with the subsequent reproduction on the display of a personal mobile communication facility of the reproduced code - analogue of a personal code of the buyer and reading of the reproduced code - analogue of a personal code of the buyer from the display of a personal mobile communication facility is carried out by means of the scanner, thus identification of a personal code of the buyer is carried out in the processing center of bank by results of identification of a primary code in the processing center of the operator of a communication network and reading by means of the scanner of the reproduced code - analogue of a personal code of the buyer. 12. The method according to Claim 11, characterized in that the reproduced code - analogue of a personal code of the buyer is reproduced as a graphic code. 13. The method according to Claim 12, characterized in that the reproduced code - analogue of a personal code of the buyer is reproduced as a bar code.

Description

The invention relates to systems for control, in particular, to methods of identifying a subject using modern technical means and software. The inventive method provides the ability to fast, reliable, with a high degree of protection of information identifying the subject, primarily using modern mobile communications.

The trend of placing, storing, presenting and processing a wide variety of information in electronic form is currently gaining momentum. In this case, there is a gradual suppression of information traditionally placed on paper. Replacing paper media with electronic data has also reached those areas in which a high degree of information protection and / or a high degree of information reliability is required. We can mention, for example, identification and identification, where various kinds of passes and identification cards on paper are gradually replaced by electronic systems that carry out identification based on reading and comparing information about personal unchanged physical characteristics of the subject (fingerprints, “picture” of the iris) eyes, voice frequency response) with information about the relevant signs of this subject, previously recorded in an electronic database. Also, various methods of identification are widely used when conducting non-cash payments by means of electronic bank cards, etc.

There is a known method of identifying clients when conducting cashless financial transactions in a system that contains a client’s personal wireless communication device with an individual identifier, from which information flows through the identification block of used communication devices to the processing center, processing all incoming requests, generating answers and ensuring management of the banking and banking network credit institutions [1]. In the method used in this system, identification is carried out by transmitting the code of the client's personal wireless communication device through a special identification block of the used personal wireless communication devices to the processing center. In this case, the код-code is used as the code of the client's personal wireless communication device. However, this method is intended to identify the client only on the “party” that receives the request, in this case, in credit and banking institutions, which is not always convenient. In addition, using only the ΡΙΝ-code as an identification code also significantly reduces the possible areas of application of this identification method.

This method allows you to identify the subject only as a subscriber, customer, etc., but not as an individual.

Closest to the claimed method is the identification (determination of authenticity) of a user or group of users by a communication terminal [2]. The method includes generating biometric codes based on recording and processing video information about the physical characteristics of a user or group of users, storing biometric codes in a server database and on a 81M card of a user or group of users, generating a request for confirmation of authenticity by entering the 81M card by the user into a communication terminal and recording up-to-date video information on at least one physical feature of a user by means of a video sensor and identification of the user or users Uteem comparing at least one received video information on the basis of an actual current biometric code of at least one biometric code stored on the server.

The described method allows to identify (establish authenticity) a user or a group of users with a high degree of reliability. However, despite the use of modern hardware and software, it, as described above, also has a rather limited scope, in particular, it is difficult to implement using mobile communication devices as terminals. In this method, identification is also performed only on the “party” that receives the request. In addition, the proposed method has a relatively high cost of implementation.

Currently there are a large number of situations in which the identification of, for example, the subject must be carried out directly at his location, that is, certain identification code and means of identification must be available, and the method must be implemented if necessary, as in a remote center , and in the place of the physical presence of the subject.

Thus, it is an object of the present invention to provide a highly reliable and highly efficient identification method. The method of identification should have a wider range of possible applications, a higher degree of identification reliability, a lower cost, a higher rate of identification.

The task is solved by the proposed method of identification, which includes the formation of a code and the application of a code by recording the confirmation of authenticity in the memory of the personal mobile communication device, the creation of at least one communication channel between the authentication confirmation center and the personal mobile communication device, generation from personal mobile communication equipment and transfer to the authentication center via said communication channel an authentication confirmation request, and identification to At the same time, the second personal code is additionally formed, the second personal code is recorded at least in the memory of the authentication confirmation center, the second personal code is reproduced by the personal mobile communication device according to the identification results of the first code, and the second personal code is read and identified.

In one of the possible embodiments of the invention, the second personal code is recorded in the memory of the authentication confirmation center and in the memory of the personal mobile communication device.

In one preferred embodiment of the invention, the second personal code is reproduced in the form of acoustic radiation with a frequency of 16 Hz to 1 · 10 ⁹ Hz.

In another preferred embodiment of the invention, the second personal code is reproduced in the form of optical radiation. The most preferable is the reproduction of the second personal code in the form of radiation with a wavelength from 3.8 · 10 ^-7 m to 1 · 10 ^-2 m, in particular in the form of radiation with a wavelength from 7.7 · 10 ^-7 m to 1 · 10 ^-2 m or radiation with a wavelength from 3.8 · 10 ^-7 m to 7.7 · 10 ^-7 m.

In the event that the second personal code is reproduced in the form of radiation with a wavelength from 3.8 · 10 ^-7 m to 7.7 · 10 ^-7 m, i.e. in the form of visible radiation, the reproduction is performed on the display screen of the personal mobile communication device, preferably in the form of a graphic code.

In various embodiments of the invention, depending on the purposes of identification, a bar code, fingerprints, electronic photography can be used as a graphic code. It should be borne in mind that the mentioned types of graphics codes are preferred in the framework of the proposed method, but not restrictive, since they are currently the most widely used in order to identify subjects, and as for a bar code or electronic photograph, various types of objects.

The second personal code can be reproduced both indefinitely and during a given time interval.

From the point of view of the author, it is not obvious even to high-class specialists in this field of technology that he proposed a solution to differentiate the functions of code information and the introduction, in addition to the well-known and traditional for mobile communications, code designed to identify a communication network subscriber, a second personal code can be reproduced in the form of acoustic or optical radiation, in particular, in the ranges of visible and / or infrared radiation, using technical means of personal mobile redstva communication for reading and identification, if necessary, at any time and in any place after sending the request over the communication channel at a particular center and confirm the authenticity of the authenticity of the confirmation request. The proposed principle underlying the method of identification provides the possibility of using the method of identification for a variety of purposes. It also further expands the capabilities of personal mobile communications and gives them new functions: an identity card (pass, passport, etc.), a payment instrument similar to bank credit cards and much more.

At the same time, the implementation of the proposed method will not be difficult at the modern level of development of communication facilities, including electronic, communication networks, software, devices for reading and identifying various types of codes reproduced in the form of optical, including visible, radiation, and which is very important, does not actually require additional costs.

It should also be borne in mind that in the proposed method, identification is carried out with a higher degree of reliability, and the ability to reproduce code information, including in a form that is not perceived visually or through other human senses, only at the request of the owner repeatedly increases the degree of protection of the code information itself.

Also important is the fact that this method involves multivariance with respect to the location of the storage of code information (the second personal code). The δ записи-card of the personal mobile communication device can be mentioned as a place to record the second personal code (with the provided playback lock without receiving confirmation of authenticity from the corresponding authentication confirmation center);

any δΙΜ-card simulator, including a network operator;

authorized organization selected on the basis of identification purposes, such as credit and banking institutions (customer databases and / or holders of settlement and other accounts and banking operations on these accounts), MVD institutions (automated “passport desks”, various specialized databases) , any other institutions, including regime ones (automated personnel bases, persons having the right of access to the institution, etc.);

combination of any of the above recording locations. In this case, the recording of the second personal code on the 81M card of the personal mobile communication device is defined within the framework of the proposed method as “writing to the memory of the personal mobile communication device”, and all other mentioned recording places are defined as “writing to the memory of the authentication confirmation center”.

The method is as follows. The center for confirmation of authenticity, either centrally or at the personal request of an individual entity that is the owner of a personal mobile communications device, generates its personal code. Write the generated personal code in one or several of the following databases, depending on the purpose of using the personal code:

- centralized database of the authentication center;

- specialized database of this authentication center;

- centralized database of the mobile network operator;

- 81M card holder of a personal mobile communication device.

In this case, the personal code is formed and recorded in such a way that it is possible to reproduce it in the form of either acoustic or optical radiation of various wavelengths. The most preferable for acoustic radiation is the reproduction of a personal code in the form of radiation with a frequency from 16 Hz to 1-10 ⁹ Hz, which corresponds to the area of audible sound and ultrasound. The most preferable for optical radiation is the reproduction of a personal code in the form of radiation with wavelengths from 3.8-10 ^-7 m to 1-10 ^-2 m, including infrared and visible radiation. In a corresponding manner, if necessary, complete and / or modify the personal mobile communication device in order to ensure the possibility of receiving and reproducing in a prescribed form the signal of the second personal code. Specialists in the field of technology with special equipment and software will not be difficult to form a second personal code, write it to the database, transfer via a wireless communication channel with the ability to play as either acoustic or optical radiation, and prepare accordingly mobile communication tool. In connection with the possibility of applying for the implementation of these methods and hardware and software in the framework of the present invention, they will not be discussed in detail.

The owner of a personal mobile communication device for which a personal code is already generated and recorded in at least one database of at least one authenticity confirmation center, in case of need to identify his / her identity and material relations connected with his personality, initiates a corresponding request to the authenticity confirmation center. A request can be formed and sent over the wireless link by pressing a specific key or a specific key combination on the remote control of a personal mobile communication device. The key combination that determines the formation and direction of the request can be chosen the same for all subscribers of the mobile network. At the same time, the proposed method does not exclude the possibility of assigning a key combination individually for each subscriber. When a request is received, the mobile network operator automatically performs the initial verification of the authenticity of the request. It should be noted that the mobile network operator can perform the functions of both the confirmation center of the authenticity of the subscriber of the communication network and the general center of confirmation of authenticity. It uses traditional for mobile communications, widely described in the literature and well known to specialists in this field of technology methods and hardware and software. In connection with the use of traditional methods of primary assessment of authenticity within the framework of the present invention, they will not be described in detail.

After confirming the authenticity of the request received from the personal mobile communication device, depending on the function being performed, the mobile network operator either sends the request to a special authenticity confirmation center or generates a signal allowing the reproduction of the second personal code via the personal mobile communication device whose owner sent the request .

In the first case, the request goes to a special authentication center where it automatically passes the authentication check. Upon receiving confirmation of the authenticity of the request, the center confirming the authenticity either sends information about the second personal code for reproduction by means of a personal mobile communication device, or generates a signal permitting the reproduction of the second personal code recorded, for example, into the memory of a personal mobile communication device through a personal mobile communication device whose owner sent the request.

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Thus, the signal coming from the authenticity confirmation center and allowing the personal code to be played through the mobile communication device can contain information blocking the personal code playback mode (for example, if the personal code is recorded on the 81M card of the personal mobile communication device). or in the database of the mobile network operator), and directly personal code. When a signal arrives from the authenticity confirmation center, a personal code is played on the personal mobile communications device. Personal code can be reproduced in the form of acoustic or optical radiation. Existing technical means allow the reproduction of a personal code with its subsequent reading and identification in a fairly wide range of radiation characteristics. As mentioned above, for acoustic radiation this may be the range of audible and ultrasound, and for optical it is preferable the range of visible and infrared radiation. The basic principles and technical and software tools that provide reproduction, reading and recognition of the radiation of the above-mentioned types are also well known to specialists in this field of technology. In this case, it is essential that the personal code can be reproduced both in the form perceived by the human senses, and in the form inaccessible to the human senses. In the latter case, the reading and recognition of the signal is carried out only with the help of appropriate technical means and is not available to unauthorized persons. This further enhances the reliability of storing information (personal code) from unauthorized use.

Considering the current level of development of hardware and software for mobile communications and identification devices, high speeds of information processing and information transfer via communication channels, using the proposed identification method, we can speak about the speed and reliability of identification, which cannot be achieved using methods known from prior art.

In more detail the essence of the proposed method will be explained below on some of the possible examples of the implementation of the method. It should be borne in mind that the examples below do not limit the scope of the claims of the applicant, but serve only to illustrate the advantages of the proposed method in comparison with the existing level of technology.

Example 1. The use of the identification method when conducting cashless payments when purchasing goods at a retail outlet.

Example 1A. As a personal mobile communication device, the mobile phone Mo-voya U3690 (Mo-voia 1a, 1ps., USA) was used, the standard 13-bit European code ΕΑΝ-13 (or fully compatible with it 13-bit code) was used as the second personal code. used in the United States and Canada), assigned to the owner of a cell phone (hereinafter referred to as "subject") in the prescribed manner. After assigning them to the subject, the barcode data is entered only in the records of the Subscriber Databases of Communication Network subscribers of the S8M standard (the barcode of the subject matches its ΡΙΝ-code) and the owners of the Bank’s current accounts (the barcode of the subject matches its calculated number) accounts).

The entity (hereinafter referred to as the “buyer”) purchases goods in the amount of X rubles at a retail outlet equipped with a system for cashless payments of the type OC 2000F CMC (KKS (Computer Cash Register Systems), Moscow, Russia), where the workplaces of cashiers are equipped with bar code readers (scanner M8 6720-14). All goods selected for purchase are labeled with the appropriate bar code, which contains information, including information about the value of the goods. The cashier reads information about the price of goods and on the display of the cash register receives the total amount (X rubles). The buyer generates a request to the Database of the owners of the Bank’s current accounts, by typing on the keyboard of the cell phone a combination of numbers corresponding to the technical support service of the service provider, a key corresponding to the Enter command, a key combination corresponding to the personal code query service , and again the key corresponding to the "Enter" command. The request flow diagram is shown in FIG. 1. In connection with the obviousness to specialists in this field, the processes of formation, transmission and processing of information flows in accordance with FIG. 1, the processes of confirming the authenticity of the request by the cellular operator, forwarding the request, generating the second personal code (bar code) and transmitting it to the customer’s cell phone display will not be described in detail in this example.

After confirming the authenticity of the request from the Bank’s DB, a graphic image of the personal code, a bar code, is displayed on the display of the customer’s cell phone. The seller reads the barcode from the customer’s cell phone display via a scanner. The cashless payment system sends to the Bank’s database a request for a balance in the Bank’s customer’s customer’s bank account, and after receiving the balance information, compares the X purchase amount and the Υ amount in the buyer’s account, and in the case of a positive comparison result (Υ - X> 0 ) writes off the amount X from the current account of the buyer.

In this case, it is possible to implement several options for playing a bar code on an ongoing basis - the bar code is reproduced on the display of a cell phone indefinitely and is removed from the display of a cell phone by pressing the key corresponding to the Cancel command;

on a temporary basis - the bar code is reproduced on the display of a cell phone for a certain period of time, for example, for 30 seconds, for 1 minute, etc .;

“On demand” - the barcode is reproduced on the display of the cell phone and is automatically removed from the display of the cell phone after reading through a scanner.

The customer service time, including the time when the customer generates a request to play a bar code (which can be carried out during the cashier’s calculation of the purchase price), can be from 15 seconds to 1 minute, depending on the number of items.

Eliminates the need to use special settlement credit funds. Thanks to a multi-stage system for verifying authenticity, the possibility of unauthorized debiting of funds from a bank current account is eliminated and the reliability of information storage is increased.

For the examples 1B-1G below, the customer service time, as in Example 1A, depends on the number of units of goods purchased and is comparable to the time in Example 1A. Fair remain all indicated in example 1A benefits.

Example 1B. Under the conditions of Example 1A and in accordance with the flow of information shown in FIG. 1, barcode information is stored on a 81M mobile phone card. Reproduction of the bar code on the display of a cell phone is carried out after verifying the authenticity of the request and obtaining permission to reproduce from the Bank.

Example 1B Under the conditions of Example 1A and in accordance with the flow of information shown in FIG. 1, the purchase is made by the buyer, who is a subscriber of the paging communication network;

as a personal mobile communication device used is a pager Mogogo1 ssir1 from lH2 (Mogogo1a. 1ps., USA);

Barcode information is stored in the Bank’s database of the Bank’s current account holders (the subject’s barcode is consistent with its current account number). Information about the barcode after receiving confirmation of the authenticity of the request comes from the database of the Bank and the barcode is played on the pager display.

Example 1G. Under the conditions of Example 1A and in accordance with the flow of information shown in FIG. 1, a Mobile Phone U3690 cell phone (Mobile Phone, 1ps., USA), equipped with a LIR5 emitting diode (Mikril LLC, St. Petersburg, RF) was used as a personal mobile communication device;

The jobs of the cashiers of the system for cashless payments of the Oka 2000F type KKM (KKS (Computer Cash Register Systems), Moscow, Russian Federation) are equipped with Aurora infrared linear scanners;

the second personal code is reproduced in the invisible (infrared) range of optical radiation.

Reproduction of the second personal code in the infrared range (not visible to the human eye) further enhances the protection of information and code.

Example 2. Using the method of identification in establishing the identity of the subject.

The scheme of information flows in the implementation of the method of identification in order to establish (confirm) the identity of the subject is shown in FIG. 2

In the context of the present example, the identity of the subject was carried out in the absence of identity documents (passport, driver's license, etc.).

Example 2A. The AP-8000 audio scanner with the frequency range of 0.51900 MHz is installed at the remote site of the secured enterprise (for example, it is temporarily absent due to damage). A pre-recorded voice of all employees of the enterprise and other citizens who have the right of admission to the enterprise (for example, when recording the frequency response, they all utter the same words). The resulting frequency response recorded in a special database. Iokta 3310 cell phone (Iok1a Sogr., Finland) was used as a personal mobile communication device. As the second personal code - voice response.

An employee who has the right to access the enterprise (including a remote site), on arrival at the checkpoint, dials the corresponding code combination of digits on the personal cellular phone keypad and via the cellular operator (to confirm the authenticity of the request by checking the ΡΙΝ code) having the right of access to the enterprise. When confirming the authenticity of the request and confirming the right to admission, audio code information (information about the frequency response of the voice of the owner of the cellular phone) is sent to the cell phone from the said special database. The employee says the same word as when writing to the database. Through the audio scanner, the audio information received from the database by means of a cell phone is read and compared to the real frequency response of the employee’s voice.

The employee identification operation takes no more than 10-15 seconds.

Example 2B. The M36OGA U3690 (Mogogo1a, 1ps., USA) cell phone 81M is “stitched” with the passport data of the cell phone owner, including an electronic photo. Similar data (including photography) is stored in a specialized Database such as an automated "passport office" or database of the Ministry of Internal Affairs.

The owner of the cell phone turned to the ticket office for tickets, without having a passport. The cashier’s workplace is equipped with an electronic scanner for reading and recognizing text-graphic information (for example, in accordance with Example 1A).

The ticket buyer generates a request to the above-mentioned specialized Passport Database by typing a combination of numbers on the keyboard of the cellular phone corresponding to the technical support service of the service provider of the cellular communication, the key corresponding to the Enter command, a combination of keys corresponding to the personal passport data request service and again corresponding to the "Enter" command.

After the above procedure for verifying the authenticity of the request, the Passport Database grants permission to display the owner's passport information on the cell phone display, including an electronic photo. The cashier compares the photo, reads the passport data through the scanner, performs, if necessary, their automated check in the common Passport Database and automatically enters the necessary information into the air ticket.

In this case, provided that the cashier’s workplace is properly equipped and the owner of the cellular phone (ticket buyer) is a client of one of the Banks and has a second personal code entered in the Bank’s Database, the payment for the ticket can also be made by playing back a cell phone’s personal second phone number display of the owner of a cell phone and the cost of an air ticket is written off from his current account in accordance with any of examples 1A-1G.

The above examples vividly illustrate the wide possibilities of using the proposed method for the effective and accurate identification of a subject in various spheres of life activity. In this case, it is obvious that the examples described in no way limit all possible options for implementing the method within the stated scope of the claims.

Given the increasing development of wireless mobile communication systems, the availability of modern technical solutions in this area, we can talk about the almost instantaneous (in seconds) identification of the subject in various fields and with different goals. At the same time, the accuracy of identification, taking into account the multi-stage verification of the authenticity of requests for the reproduction of the second personal code, is almost 100%.

Claims (13)

1. The identification method, including the formation of the primary code and the application of the primary code by writing to the memory of the authentication confirmation center of the user of the communication network and the memory of the personal mobile communications device, the formation of the second personal code and the application of the second personal code by writing to the memory of the authentication center, creating at least one communication channel between the authentication center of the user of the communication network, the authentication center and the personal mobile means with ides, generation of a request for authentication and code identification from the personal mobile communication medium and transmitting to the authentication confirmation center via the said communication channel, characterized in that the second personal code is additionally recorded in the memory of the personal mobile communication medium, in the memory of the personal mobile communication means recording a reproducible analog code of the second personal code, transmitting to the authenticity confirmation center a request for authenticating the second personal code is entered by entering a second personal code into a personal mobile communication means and then reproducing a reproducible analog code of the second personal code by means of a personal mobile communication means, and the reproduced analog code of the second personal code is read from the personal mobile communication means, while the second personal code is identified authenticity confirmation center based on the results of primary code identification in the authentication network user authentication center and reading a reproducible code analogous to the second personal code. 2. The method according to claim 1, characterized in that the reproduced analog code of the second personal code is reproduced in the form of acoustic radiation with a frequency of 16 to 1 · 10 ⁹ Hz. 3. The method according to claim 1, characterized in that the reproduced analog code of the second personal code is reproduced in the form of optical radiation. 4. The method according to claim 3, characterized in that the reproducible analog code of the second personal code is reproduced in the form of radiation with a wavelength of from 3.8-10 ^-7 to 1 - 10 ^-2 m. 5. The method according to claim 4, characterized in that the reproducible analog code of the second personal code is reproduced in the form of radiation with a wavelength of from 7.7-10 ^-7 to 1 · 10 ^-2 m. 6. The method according to claim 4, characterized in that the reproduced analog code of the second personal code is displayed on the display of a personal mobile communication device in the form of radiation with a wavelength of 3.8-10 ^-7 to 7.7-10 ^-7 m. 7. The method according to claim 5, characterized in that the reproduced analog code of the second personal code is reproduced in the form of a graphic code. 8. The method according to claim 7, characterized in that the reproduced analog code of the second personal code is reproduced in the form of a bar code. 9. The method according to claim 7, characterized in that the reproduced analog code of the second personal code is reproduced in the form of fingerprints. 10. The method according to claim 7, characterized in that the reproduced analog code of the second personal code is reproduced in the form of an electronic photograph. 11. A method for identifying a customer’s solvency, including generating a primary code and applying a primary code by writing to a processing center of a communications network operator and into the memory of a personal mobile communications device, generating a customer’s personal code and applying a second personal code by writing to a bank’s processing center, at least one communication channel between the processing center of the communication network operator, the processing center of the bank and the personal mobile communication facility, generation with a personal of a mobile communication medium and a request for confirmation of solvency and identification of the customer’s personal code, which is further characterized by the fact that the customer’s personal code is recorded in the memory of the personal mobile communication medium, are transferred to the processing center of the bank through the aforementioned communication channel; the code-analogue of the personal code of the buyer, a request for confirmation of solvency is transferred to the processing center of the bank thereby inputting the customer’s personal code into the personal mobile communication device, followed by displaying on the display of the personal mobile communication device a reproducible analog code of the customer’s personal code, and reading the reproduced analog code of the customer’s personal code from the display of the personal mobile communication device by means of a scanner, identifying the customer’s personal code in the processing center of the bank according to the results of identification of the primary code in the processing center of the operator with ti communication read by the scanner and the reproduced analog personal code purchaser code. 12. The method according to claim 11, characterized in that the reproduced code-analogue of the customer’s personal code is reproduced in the form of a graphic code. 13. The method according to claim 2, characterized in that the reproducible code-analogue of the personal code of the buyer is reproduced in the form of a bar code.