RU2171546C1 - System for rendering pay services through telecommunication network (alternatives) - Google Patents

Abstract

FIELD: business doing means (including Global Internet system). SUBSTANCE: system used to pay for various commodities and network services including those of Global Internet system through authorized agents to ensure confidentiality of subscribers' accounts, miscellaneous private unambiguously user-identifying information in real-time paying for and purchasing of goods has subscriber's terminals, at least one salesman's server, payment-system server, and telephone network. Pay services are rendered immediately upon access to payment-system server, customer's payments being kept secret. System alternatives differ in communication facilities and functions of their components. EFFECT: facilitated payment procedures. 16 cl, 5 dwg

Description

 The system belongs to the means of electronic business and can be used to pay for access of communication network users to paid information resources, including the global network, and provides secrecy and security of payment when paying and purchasing electronic goods or services in real time.

State of the art
Various electronic payment systems are known, including in telecommunication networks (TS). A known system for making payments through TS, made with the ability to provide the user access to the server of the communication network to obtain information about goods and services. The network may be, for example, the Internet. Using a personal computer, the user can access the provider's website to view details of bill payment. The system also involves the user receiving an electronic invoice in the form of an email, information regarding goods and services, to his email address. After opening an account, the user can make a payment by sending an email. At the same time, to pay for services, it is necessary to open a current account for prepayment of a service or product. At the same time, the user is forced to resort to the services of third-party organizations, mail, banks, etc., which complicates the payment for services (US 5699528 A1, G 06 F 17/00, 04/05/94).

 A well-known system of remote financial customer service for making cashless payments in the TS, in particular, servicing accounts using the so-called "provider firms" related to the field of service and making one-time payments for a client from his account on behalf of a client (US 5383113 A1, G 06 F 15/21, 17.6.95).

 Periodically, the company issues an invoice to the client for the total amount of payments made at the initiative of the client. The system includes the use of a database of financial organizations containing information on the status of customer accounts of a provider company, the use of a database containing information on payees from a client, as well as the payments themselves, a means of communication between the client and the central processing device of the provider, and a central processing device management program designed for the analysis of customer instructions received through the TS, a means of periodically billing the client with a provider firm.

 Known telecommunications system that provides authorization of payments of subscribers and is intended for communication between the base station and subscribers of the telephone network. The system includes means for identifying the user by the keyword generated by the subscriber during his call for the service and transferring it to an authorized identifiable subscriber number, means for identifying the keyword, decrypting the function code F with the addition of the subscriber’s secret key and transmitting this keyword to the first means of identification , which ultimately makes a payment in the system if authorization is not confirmed by check (US 5301234 A1, H 04 L 9/32, 04/05/94).

 A known system for making payments in a communication network using a trusted agent, containing the terminals of the buyer and seller, the system allows you to safely exchange payments for electronic purchases, while the buyer and seller complete the transaction through an electronic system. A trusted agent is an electronic processing device that is a combination of hardware and software. The device provides security for protocols that interact with money modules to synchronize secure payment and delivery. Money modules are data processing devices that can store and transfer electronic money; they are also able to establish cryptographically secure communication sessions with other devices. Trusted agents exchange electronic goods and payments (RU 2136042 C1, G 06 F 17/60 // G 06 F 157: 00, 08/27/99).

There is a known system for providing paid services in a communication network, which provides a group of services “call for an additional fee” - “Premium rate service” (ITU-TSS recommendations for telecommunications E.155 “International premium rate service”), while the caller, in addition to the fee for access (local, long-distance or international) the account includes an additional fee for the provided service (entertainment, consulting, information, etc.). The system includes switching nodes (automatic telephone exchanges - automatic telephone exchanges) installed in the public switched telephone network (PSTN) and connected to payment centers that charge for telephone services, a special device called the "Intelligent Platform" or the IN platform - "Intelligent Network "(ITU-TSS recommendations for telecommunications Q.1211 - Q.1219), which selects and commutes (connects) calls coming from PSTN with the requested service code in the form of a specific phone number. (Yu. A. Semenov, “Internet Protocols and Resources.” Radio and Communications, Moscow, 1996; Yu.A. Semenov, “Internet Networks. Architecture and Protocols,” Sirin, Moscow, 1998)
Known payment systems are based on the fact that payments are made from the accounts of subscribers (buyers), which is a certain difficulty when paying, because it is necessary to ensure the connection of the buyer’s account with the seller’s account to provide paid services. In addition, there are customers who, for whatever reason, do not want to open their accounts in the system and / or use the services of banks or other institutions to transfer payments to the seller’s account. All this complicates the payment procedure and takes time to make the payment itself in order to access the service in the communication network.

 Closest to the claimed system is a system for providing paid services in a TS, containing user terminals, servers of resource sellers and providers having servers associated with the TS, the system also has access to the PSTN.

 A known system that implements the method described in the application provides for the conclusion of an agreement between an Internet access provider (provider server) and a user, and an agreement between an access provider (provider server) and a resource seller server. Under the terms of the agreement, the provider's server bills the user (buyer) and transfers it to the seller’s server of goods and services offered via the Internet, which, in turn, upon receipt of payment data provides the user (buyer) with access to the service.

 In this system, the user (buyer) orders a service (product) via the Internet, information about the transaction is transmitted to the supplier (provider’s server). Then the supplier invoices the amount of the transaction to the user (buyer), transfers part of the amount to the seller, keeping the difference in the quality of the service fee.

 The well-known system for the provision of paid services involves the payment of services provided to the customer by transferring the amount of payment for the service to the accounts of service sellers, which greatly simplifies access to the server of the service seller to the user (buyer). A provider in a known system is designed to make payments for a service, i.e. is a payment system.

 After transferring funds, the seller’s server contacts the subscriber (buyer) at the address specified by the provider and will provide access to resources. However, the customer’s waiting time for access to this system can also be significant, since it takes time to transfer the amount of payment for services to the seller’s account by the provider (provider) and invoice the buyer. (WO 97/03410 Al, G 06 F 17/60, 01/30/1997).

 The technical result of the proposed system is the simplification of payments for services in a telecommunications network (TS), for example, on the Internet. In the proposed system, access to paid information services can be made almost immediately after contacting the Seller’s server, while the user is given the opportunity to access paid information resources, including for a given period of time, and also the services provided by the Seller are provided in credit, at the expense of the Seller. The system ensures confidentiality and security of payments for the Seller’s customers, since the transfer of confidential information about the Buyer over the TS is not required. And obtaining a service access code through a physical telephone channel also eliminates unfair access to resources.

 In addition, the system uses a standard automated system for calculating PSTN services and invoicing using this system using the PSTN subscriber telephone number of a resource buyer from a seller located on the Internet.

 The technical result is achieved by the fact that in the system of providing paid services in a telecommunication network containing user terminals, a seller’s server with paid resources associated with a telecommunication network (TS) and a public telephone network (PSTN), characterized in that the user terminals are made with the ability to connect to the TS and connect to the PSTN as subscribers of the specified network, the system contains a means of switching user terminals to the specified seller’s server, installed in the PSTN and is intended To connect user terminals through the corresponding PSTN switching nodes with the seller’s server with paid resources, the seller’s server is designed to transmit the PSTN subscriber access code for paid resources via PSTN, and to provide the TS user access to paid resources by comparing the access code received from the corresponding terminal the user by TS and transmitted to the user by PSTN from the seller’s server, and the indicated switching means is connected with PSTN switching nodes made with the possibility of echeniya control sessions PSTN subscribers, connected to the seller's server for billing subscribers specified automated system PSTN service payments for these sessions.

 In addition, the seller’s server contains means for generating an access code to the seller’s paid resources, consisting of an encoder and a storage device (memory), one input / output of the encoder is connected through the means for receiving and transmitting messages via PSTN with the specified switching means, and the second input / output is connected to memory device, means for receiving and transmitting messages over the vehicle, one input-output of which is designed to exchange messages with user terminals, the other input-output of which and the input-output of the memory are connected to the comparison unit, the output d comparison unit is connected through a control unit with a means of providing access to the resources of the seller.

 Moreover, the means of providing access to paid resources is associated with a resource database located on the seller’s server, with the possibility of reading the corresponding information service from the specified database and transmitting it using the specified means of receiving and transmitting messages over the vehicle to the user terminal.

 A means of providing access to paid resources is intended for issuing a resource or a location address for a resource of interest to a user on a seller’s server and is associated with a means for receiving and transmitting messages on a vehicle designed to transmit a specified address to a user terminal.

 A telecommunications network may be the global Internet.

 The technical result of the second embodiment is achieved by the fact that the system of providing paid services in a telecommunication network comprising user terminals, a server of a seller of paid resources and a server of a payment system associated with a telecommunication network (TS), and a public telephone network (PSTN), characterized in that the terminals users are configured to connect to the TS and connect to the PSTN as subscribers of the specified network, the system contains a means for switching user terminals in the PSTN to the payment server the system installed in the PSTN and designed to connect subscriber terminals through PSTN switching nodes with the payment system server, the payment system server is designed to transmit the PSTN subscriber access code to the seller’s paid resource via PSTN, and send a message about the transferred access code to the seller’s server for subsequent comparison on the seller’s server, the code transmitted to the subscriber by the payment system server via PSTN and received by the seller’s server on the TS from the user terminal and providing the user with the server access to paid resources according to the comparison results, and the specified switching means is connected to PSTN switching nodes made with the possibility of providing control over communication sessions of PSTN subscribers connected to the payment system server for billing these subscribers with an automated system for calculating PSTN services for specified communication sessions .

 In addition, the message to the seller’s server about the transmitted access code includes the user's access code to the paid resource on the seller’s server.

 Also, the message to the seller’s server about the transmitted access code includes the address of the memory cell of the seller’s server in which the transmitted access code is stored.

 In addition, the server of the payment system contains means for generating an access code to paid resources of the seller, consisting of an encoder and a memory device, one input / output of the encoder is connected via a means for receiving and transmitting messages via PSTN to the specified means of switching, and the second input / output is connected to the memory means for receiving 11 messages on the vehicle, one input-output of which is intended for exchanging messages with the seller’s server on the vehicle, the other input-output is connected to the memory.

 At the same time, the seller’s server also contains means for receiving and transmitting messages over the vehicle, the first input-output of which is intended for exchanging messages with the server of the payment system, the second input-output is intended for exchanging messages with user terminals, the third input-output is connected to the memory of the seller’s server, the output of which and the fourth input-output of the specified means of receiving and transmitting messages over the vehicle are connected to the comparison unit, the control unit, the input of which is connected to the output of the comparison unit, and the output - with means of providing access to resources, the output of which is connected to the fifth input-output means of receiving and transmitting messages over the vehicle.

 Moreover, the means of providing access to paid resources is associated with a resource database located on the seller’s server, with the possibility of reading the corresponding information service from the indicated database and transmitting it using the indicated means for receiving and transmitting messages over the vehicle to the user terminal.

 A means of providing access to paid resources is intended for issuing a resource or a location address for a resource of interest to a user on a seller’s server and is associated with a means for receiving and transmitting messages on a vehicle designed to transmit a specified address to a user terminal.

 And also the seller’s server contains a means for generating an access code for paid resources, consisting of an encoder and a memory device, the encoder input is connected to the sixth input-output of the means for receiving and transmitting messages over the vehicle, and the output is connected to the memory, the second input-output of which is connected to corresponding input-output means of receiving and transmitting messages over the vehicle.

 A telecommunications network may be the global Internet.

 In FIG. 1. A functional diagram of the claimed system according to the first embodiment is presented.

 In FIG. 2 is a diagram of the switching of PSTN subscribers with a device 16 for determining the presence of communication between PSTN subscribers, determining subscriber numbers and allocating a service code.

 In FIG. 3 shows the switching scheme of PSTN subscribers through the corresponding switching node 8 and switching means 5 to the server 6 of the payment system.

 In FIG. 4 shows a functional diagram for the second embodiment of the claimed system.

 In FIG. 5 shows a functional diagram of a possible scenario for the second embodiment of the claimed system.

 The system according to the first and second embodiments comprises terminals 1.1-1.n. users of the telecommunications network 3, in particular connected through a modem (not shown) to the network 3 personal computers. The network may be the Internet or another telecommunications network. Users of network 3 are simultaneously subscribers of the public switched telephone network 4 (PSTN), connected to network 4 through telephone sets (not shown in the drawing) and / or modems of a PC (personal computers) (not shown in the drawing). The terminals 1 of users (subscribers) are configured to connect to both the Internet telecommunication network and PSTN using modems, or with the ability to connect, in particular, to the Internet via dedicated channels, while work in the PSTN can be performed by the user autonomously with the use of a telephone with the possibility of tone dialing.

 Obviously, when using the same telephone wires or telephone communication channels in PSTN 4 and on the Internet telecommunication network, any known methods of message separation can be used to separate the use of these networks, for example, switching PSTN channels (i.e., using a data transmission channel) until the connection is open at the physical level) or the switching of messages on the Internet (i.e., the creation of a physical channel between the end nodes is not necessary and forwarding Networking occurs without violating their integrity, instead of a physical channel there is a virtual channel consisting of physical sections and message buffering is possible between sections), or packet switching (a message is transmitted through a virtual channel, but it is divided into packets), i.e. choosing one or another type of signal separation for messaging (see Norenkov I.P. et al., "Telecommunication Technologies and Networks", Moscow, MSTU named after N.E.Bauman, 1998, pp. 11-15).

 The system also includes switching means 5 (Fig. 3) to the Seller’s server 2 installed in PSTN 4 and designed to connect user terminals through PSTN to the Seller’s server 2 and which can communicate with 8.1 switching nodes. - 8.n. PSTN designed to connect PSTN subscribers and to control communication sessions of PSTN subscribers, including those connected to the Seller’s server 2 using device 16 for determining the existence of communication between PSTN subscribers, determining subscriber numbers and extracting the service code from the indicated numbers. The switching nodes and device 16 are part of the standard automatic long-distance telephone exchanges (AMT).

 The switching means 5 comprises means for determining the logical telephone number of the Seller’s server associated with means for connecting the subscriber who dialed this number with the Seller’s server 2, i.e. can also be performed on the basis of automatic telephone exchange.

 As a means of switching 5, SSP switching servers may also be used, including including answering machines when dialing, i.e. when connecting means 5 with the subscriber. SSP switching servers are widely used in intelligent communication networks, i.e. communication networks providing PSTN users access to an expanded set of services.

 Examples of services of these servers can be call forwarding, determining the number of the caller, receiving voiced information about the cost of the service, etc. (see Norenkov I.P. et al., "Telecommunication Technologies and Networks", Moscow, MSTU named after N.E.Bauman, 1998, p. 95).

 The switching means 5 is connected to the means 7 for receiving and transmitting a message via the PSTN of the seller’s server 2, which includes means 30 for generating an access code to the paid resource, connected via the means for receiving and transmitting messages through the PSTN 7, the switching means 5, and the corresponding nodes 8 installed in the network 4 , to the respective terminals 1. The transmitted access code is, for example, a password and a keyword. The tool 30 includes an encoder 17 associated with the memory 12. The seller’s server 2 also includes a tool 9 for receiving and transmitting messages over a telecommunication network, designed to receive a message of an access code to a paid resource from a user terminal 1 via a telecommunication network and transmit messages from a server 2 sellers to user terminals 1, comparison unit 10, control unit 15, means 11 for providing access to seller's resources, database 21, means 27 for storing and retrieving addresses of paid resources, memory unit 28.

 The indicated means 30 and 9 are connected to a comparison unit 10 comparing the access code to paid resources generated for the subscriber in the means 30 during the communication of the server 2 with the subscriber via the PSTN and transferred to the memory 12 for storage together with the logical telephone number, with the code, received from the corresponding terminal 1 of the subscriber via the telecommunication network 3. The comparison unit 10 is connected to the control unit 15 connected to the means 11 for providing access to the seller’s resources. The system also includes switching nodes 8.1, ..., 8.n installed in PSTN 4. PSTN designed to communicate between subscribers in PSTN 4 and connected to the device 16 for registering subscriber connections, determining numbers and a service code connected to an automated system 25 for calculating PSTN services. Switching nodes 8.1 - 8.n in PSTN are the so-called automatic long-distance telephone exchanges (N. A. Sokolov "Subscriber Access Networks. Construction Principles", Perm, Enter-Profi IG, 1999). e. the switching nodes 8 (as mentioned above) are long-distance telephone exchanges (PBX) that connect subscribers to the PSTN and control communications and services through device 16, for example, the duration of telephone conversations when connecting subscribers.

 The indicated nodes are 8.1 - 8.n. switching is connected to the settlement center of the standard automated system 25 for calculating PSTN services, which is designed when registering PSTN subscriber connections made to determine the services that were provided to subscribers, calculating the cost of these services at PSTN tariffs and billing subscribers at a postal or other address.

 In FIG. 4 and FIG. 5 is a functional diagram of a second embodiment of the system.

 The system according to the second embodiment contains (Fig. 4) terminals 1.1-1. n users, server 6 of the payment system, server 2 of the seller, telecommunication network 3 (TS), public telephone network 4 (PSTN), network 4 switching means 5, switching nodes 8 connected to the device 16 for registering subscriber connections, determining numbers and service code connected to the automated system 25 calculations of PSTN services. The seller’s server 2 consists of a memory device 12, the output of which is connected to the first input of the comparison unit 10, one memory input / output is connected to the means 9 for receiving and transmitting messages over the vehicle, and the other input / output of the memory device 12 is connected to the means for storing and retrieving paid resource addresses 27 , the second input of the comparison unit 10 is connected to the corresponding input-output of the means 9, the output through the control unit 15 is connected to the first input-output of the means 11 to provide access to resources associated with the database 21, with the means 27 and with the means 9, associated also with a database of 21 data. Server 6 of the payment system contains means 7 for receiving and transmitting messages via PSTN connected to switching means 5, one input-output and another input-output with means 40 for generating an access code to a paid resource of the seller’s server 2. The server 6 of the payment system through the means 7 for receiving and transmitting messages via PSTN, the means 5 for switching, the nodes 8 installed in the network 4, is connected to the corresponding terminals 1. The means 40 includes an encoder 37 connected to the storage device 32 of the memory. The server 6 of the payment system also contains means 39 for receiving and transmitting messages via TS 3, intended for transmitting the access code to the paid resource sent to the user’s terminal 1 via PSTN 4 to the seller’s server 2. Moreover, the switching means 5 according to the first and second variants of implementation may include an automatic telephone number identifier, which can be transmitted to the Merchant server 2 or the payment system server 6 after the logical telephone number, as in the well-known automatic number identifiers (ANI).

 The claimed system according to the first embodiment works as follows, the user, through terminal 1, finds on the Internet the seller’s Web site with paid resources (services or electronic goods), to which he wants to get almost immediate access.

 To provide immediate service to users of telecommunication network 3, this system has been created. In the simplest version of customer service, the system includes both organizational procedures and hardware at the physical level. Before starting to work in the market of paid electronic services, the seller on their Web pages (Web site) inform potential buyers, network users about the method of paying for their services using the possibility of providing access to a paid resource on credit, followed by payment for telephone services if the user wants to use the services of such payment, which provides access to services with minimal waiting time, downtime, etc. the user (potential buyer), having familiarized himself with the payment terms, can download the program on his PC, which is located on the seller’s server, providing access to paid resources with the procedure for payment for services offered below. The system starts by downloading the program to the user terminal 1 from the memory 28 of the seller’s server 2 through the means 9. By downloading the program, the buyer can carry out further actions. The program overwritten by user 1 informs the user that he can use this service program and that the start of the program corresponds to the conclusion of a subscriber servicing agreement under the terms of the seller. In other words, starting to work on the downloaded program, the user agrees that the seller’s server 2 will provide him with access to information services and / or electronic goods, receiving the necessary services and / or electronic goods, and he, in turn, will receive an invoice from the automated service settlement system PSTN for access to an information service) obtaining the necessary services and / or electronic goods), will pay it as a regular bill for services of the public telephone network.

 Those. running the downloaded program, the user is included in the operation of the seller’s server 2 and agrees to its conditions.

 The next step of the program completes the phase of communication with the seller’s server 2 over a network over the Internet 3 and switches the modem of terminal 1 of the user who has become a buyer to PSTN 4. Terminal 1, according to the program, automatically dials through the modem to the number specified in the program downloaded to user’s PC 1 . This number includes the service code of the switching means 5, the seller’s server code and the information service code, and the structure of this code is such that the switching nodes 8 recognize this code as the code of the switching means 5, which is a PSTN subscriber. This logical telephone number code may also contain other identification codes, for example, a group of information services, type of order, etc.

 Since this number, as indicated above, is one of the subscriber numbers in PSTN 4, the PSTN (switching nodes) can identify it, control communication sessions, it has a PSTN service tariff and it can be billed to the PSTN.

 In other words, if the specified signal corresponding to the logical telephone number of the seller arrives at one of the switching nodes 8 (the specified number is formed as one of the PSTN subscriber numbers), the switching node recognizes it and connects the subscriber who dialed this number with the switching means 5 (Fig. 3). The switching means 5 for the switching node 8 in this case is another conventional PSTN communication node.

 When switching nodes 8 switching PSTN 4, i.e. providing communication in PSTN 4, this number will be determined by the subscriber’s connection registration device 16 as the number of the network 4 subscriber, processed in the PSTN automated services calculation system, and the subscriber will be billed according to the tariff for the service indicated in the logical telephone number, i.e. . standard means of payment for PSTN services. So, the corresponding switching node 8 connects the subscriber 1 to the seller’s server 2, which is the same PSTN subscriber for the node as other subscribers.

 The logical number dialed by subscriber 1 will be allocated by the switching means 5, because, as indicated above, it includes the service code of the means 5. And the switching means 5, after identifying the service code of the means 5, will connect the user terminal 1 to the seller’s server 2.

 The switching tool 5, in addition to determining the service code related to this tool 5, can also determine the seller’s server code, information service code, inform the subscriber about dialing to the seller’s server, etc., that is, work via the SSP protocol as described above . Further, the indicated means 5, since it is a means of switching, forwards the call (commutes the subscriber line) to the seller’s server 2, i.e. connects the terminal 1 of the subscriber (telephone channel) and the server 2 of the seller.

 The tool 7 through the corresponding node 8 and the switching tool 5 is connected to the terminal 1 of the calling user and receives the signal of the specified logical number dialed by the subscriber, this number, as mentioned above, is the logical telephone number code indicated to the buyer by the downloaded program. The signal comes from the means 7 to the encoder 17 of the means 30. The encoder 17 generates an access code to a paid resource, for example, according to a random law, and transmits it to the memory 12 for storage together with the received code of the logical telephone number, which also contains the code of the seller’s server and information service code. In the case when the subscriber's phone number code is received together with the logical number, this code can also be recorded in the memory 12 together with the codes indicated above. The encoder, for example, can add the specified access code to the codes received from means 7. Then, the access code for paid resources generated for the subscriber is sent from the encoder via means 7 again over the telephone channel (blocks 5, 8) to the user terminal 1, where, according to the program, it is stored. T.O. The memory 12 stores a logical telephone number code containing information about the service and the access code for the information service assigned to the subscriber with this number. In other words, the specified codes of logical numbers that communicate with the server 2 of the seller of subscribers and the access codes for paid resources generated for them, are stored in the memory 12, and the subscriber codes or assigned access codes can be addresses for reading data about the subscriber from the memory 12.

 From this moment, the subscriber is a client of the seller. After receiving the access code for paid resources from the means 7 by the terminal 1, the program recorded on the terminal 1 switches the user terminal 1 to work with the Internet 3. Moreover, if the user terminal 1 was initially connected to the seller’s server 2 through an provider (not shown in the drawing), then the connection with the seller’s server 2 on the Internet is also restored through this provider, i.e. in a standard way.

 Then, the program downloaded at terminal 1 carries out the communication step with the seller’s server 2 to provide access to paid resources to the client (subscriber) in the network 3. At the same time, the terminal assigned to the subscriber by means 30 and transferred to the subscriber’s means 2 from the terminal 1 to the means 9 of the seller’s server 2 and transmitted to terminal 1 via telephone network 4 messages in the form of an access code to paid resources, for example, consisting of a password and a keyword. This code is transmitted to the means 9 for receiving and transmitting messages over the network 3. The means 9 receives the indicated code and transmits it to the block 10 for comparison with the code assigned to the subscriber by the means 30 and stored in the memory 12, and sends an access code signal for reading from the memory 12 for this subscriber data code. The memory 12 upon receipt of the code from the means 9 finds in memory the same code assigned to the subscriber, and forwards it to the comparison unit 10. If the codes coincided in block 10, then a message about this is transmitted to the control block 15 to check and count the number of access sessions to the paid resource. The control unit 15 is made, for example, on a counter (not shown in the drawing), the output of which is connected to a comparator (not shown in the drawing), where the number of matches with a given value is compared and at the output of the control unit, if this value is not exceeded, is formed an access permission signal arriving at the means 11. An access session to a particular service (resource) is also characterized by a predetermined duration, i.e. control unit 15 can directly control the total duration of realized access to resources. In the case when the number of sessions in the control unit does not exceed a predetermined value, the signal at its output corresponds to the enable signal, which enters the means 11 for providing access to the seller’s resources, and the seller and service data corresponding to the storage unit 12 also arrive at block 27 access code to a paid resource received from funds 9, i.e. in the means 27, the address in the network 3 of the corresponding information service is put in accordance with this access code, the address of this service is transmitted to the access control means 11, which forwards this address through the means 9 and the network 3 to the terminal 1 to provide the user with access to the services of the seller’s server 2 .

 In the case when, in block 10, when the codes are not matched, they do not match, and also, if in block 15 of the control it becomes known that the limit to the paid resource has been spent on the access code, these blocks associated with the means 9 for receiving and transmitting messages over the vehicle are transmitted these signals to inform the user through a downloaded program that offers the user to reconnect to the seller’s website on the network 3 and repeat the above purchase procedure again. The program also provides for the repetition of individual steps, such as: busy bodily on the means 5, there is no connection with the subscriber’s provider (user terminal), etc., i.e. the program provides the ability to repeat the steps.

 At the same time, the means 11 for providing access to the seller’s resources, as will be described later, can work in several scenarios.

 The seller’s server 2 runs under the control of a controller (not shown for simplicity), connected via control and information buses (not shown in the drawing) with all blocks of the seller’s server 2 (7, 9, 10, 11, 12, 15, 17, 21, 26 , 27, 28, 29, 30) and working according to the algorithm described above. According to the second embodiment (Fig. 4), the system operates as follows.

 As in the first embodiment, the seller informs his potential buyers, users of network 3, about the possibility of paying for services through the server of the payment system and the procedure for communicating with him. In this case, the download of the program indicated in the first embodiment can be carried out both from the seller’s server 2 and from the payment system server 6 to the user's PC. That is, there are two options for downloading the program. The procedure for the download session can be indicated on the seller’s website (server 2), or information on the payment system and the procedure for communicating with it, that is, forwarding to the server 6 of the payment system, can be provided on the seller’s website. By downloading the program, the user, as in the first embodiment, can carry out further actions.

 The next step of the program completes the phase of communication between user terminal 1 and the server 6 of the payment system via network 3 and switches the modem of user terminal 1 to PSTN 4. Next, the program recorded on user terminal 1 automatically dials the number specified in the program.

 The means 7 of the server 6 of the payment system through the corresponding node 8 and the means 5 of the switching is connected to the terminal 1 of the caller and receives the signal of the specified logical number dialed by the subscriber, that number, as indicated above, is a logical telephone number code. The signal comes from means 7 to the encoder 37 of the means 40. The encoder 37 generates an access code to a paid resource, for example, according to a random law, and transmits it to the memory 32 for storage along with the received code of the logical telephone number, which may also contain a code server 2 seller and code information services. In the case when along with the logical number comes the code of the subscriber's phone number, this code can also be recorded in the memory 32 along with the above codes. From the encoder 37, the access code for the paid resources generated for the subscriber is sent via the means 7 again over the telephone channel (blocks 5, 8) to the user terminal 1, where, according to the program, it is stored. At the same time, the memory 32 stores the logical telephone number code containing information about the service and the access code for the information service assigned to the subscriber with this number. In other words, in the memory 32 the indicated codes of logical numbers are stored that contacted the server 6 of the payment system of subscribers and the access codes for paid resources generated for them. In addition, simultaneously with the transmission of the access code via PSTN to the user terminal 1, the message about the transmitted code is transmitted via the means of receiving and transmitting messages over the vehicle 39 to the seller’s server 2. This message indicates the access code, information service code, and additional information about the user who has become a buyer can also be transmitted.

 From this moment, the subscriber is a client of the seller. After receiving the access code for paid resources from the means 7 by the terminal 1, the program recorded on the terminal 1 switches the user terminal 1 to work with the Internet 3. Moreover, if the user terminal 1 was initially connected to the seller’s server 2 through an provider (not shown in the drawing), then the connection with the seller 2 on the Internet is also restored through this provider, i.e. in a standard way.

 Then, the program downloaded on terminal 1 carries out the communication phase in network 3 with the seller’s server 2 to provide access to paid resources to the subscriber (buyer) in network 3. At the same time, the server 6 assigned to the subscriber is sent from terminal 1 to the means 9 of the seller’s server 2 via the Internet 3 payment system and access code for paid resources transmitted to terminal 1 via telephone network 4, for example, consisting of a password and a keyword. This code is sent to the means 9 for receiving and transmitting messages over the network 3. The means 9 receives the indicated code and transfers it to the block 10 for comparison with the code assigned to the subscriber by the means 40 of the payment system server 6 and transferred to the seller’s server 12 for storage to the memory 12 when the communication session of the server 6 with the server 2 and sends a signal of this code for reading from the memory 12 on this subscriber data code. The memory 12 upon receipt of the code from the means 9 finds in memory the same code assigned to the subscriber on the server 6 of the payment system and transmitted to the subscriber via PSTN, and sends it to the comparison unit 10. If the codes match, then a message about this is transmitted to the control unit 15 for checking and counting the number of communication sessions, i.e. number of accesses to a paid resource. The control unit 15 is made, for example, on a counter (not shown in the drawing), the output of which is connected to a comparator (not shown in the drawing), where the number of matches with a given value is compared and at the output of the control unit, if this value is not exceeded, is formed an access permission signal arriving at the means 11. An access session to a particular service (resource) is also characterized by a predetermined duration, i.e. control unit 15 can directly control the total duration of realized access to resources. In this case, the signal if the number of communication sessions in the comparator did not exceed the specified number, at the output of the control unit, the signal corresponds to the enable signal, which comes from block 15 to means 11 to provide access to the seller’s resources, and from memory 12 to block 27 also data about the seller and the service corresponding to the access code to the paid resource received from funds 9. In the tool 27, the address in the network 3 of the corresponding information service is put in accordance with this access code, the address of this service is transferred to the security tool 11 cheniya access, which forwards the address via means 9 and the network 3 to terminal 1 for providing a user access to server 2 Seller services.

 It is also possible the following option of providing access to the resource, upon receipt of a message about allowed access, the means 11 sends a message signal to the database 21, where the corresponding paid information resource is selected by the logical number code and the resource is transmitted through the means 9 to the user terminal.

 In the case when, in block 10, when the codes are not matched, they do not match, and also, if in block 15 of the control it becomes known that the limit to the paid resource has been spent on the access code, these blocks associated with the means 9 for receiving and transmitting messages over the vehicle are transmitted these signals to inform the user through a downloaded program that offers the user to reconnect to the seller’s website on the network 3 and repeat the above purchase procedure again. The program also provides for the repetition of certain steps, such as: the phone is busy on the means 5, there is no connection with the subscriber’s provider (user terminal), etc., i.e. the program provides the ability to repeat the steps.

 In FIG. 5 shows a possible scenario according to the second embodiment, with a different implementation of the seller’s server 2 and the payment system server 6.

 In this case, the seller’s server 2 contains means 9, one input-output of which is connected to the encoder 17, the output of which is connected to the memory 12, connected to the first input of the comparison unit 10 and the other input-output of the means 9, the third input-output of which is connected to the second the input of the comparison unit 10, the output of which through the control unit 15 is connected to one input-output of the means 11, the corresponding other inputs and outputs associated with the corresponding database 21, storage and selection means 27, and with the means 9. The server 6 of the payment system includes means 7 connected occupied by one input-output with switching means 5, and another input-output with a memory 32 connected to the means 39 for receiving and transmitting messages over the vehicle.

 The seller’s server 2, as in the first embodiment, comprises means 30 for generating an access code for paid resources, consisting of an encoder 17 and a memory 12. In this case, means 30 for generating an access code for server 2 of a seller compiles a list of access codes, for example, daily, weekly, or with another frequency stored in the memory 12 of the seller’s server 2, and transmitted through the means 9 to the server 6 of the payment system for subsequent transmission to the terminals 1 of users via PSTN. Or, when a user connects through PSTN to server 6 of the payment system, server 6 of the payment system sends a request through network 3 to the seller’s server 2 to issue an access code for the dialed subscriber, an access code is generated by the request signal on the seller’s server 2 by means of 30 and sent back to the server 6 of the payment system, where it, as described in the previous scenario, is transmitted to the terminal 1 of the user via PSTN. Further, the system operates according to the scenario described above.

Industrial applicability
User terminals are personal computers connected to the public switched telephone network and the Internet by hardware and software (see IP Norenkov et al., "Telecommunication Technologies and Networks", Moscow, MSTU named after N.E.Bauman. 1998, p. 95).

 The implementation of the access of the seller’s server 2 with the user’s terminal 1 when paying for the services with the payment system server can be carried out in the simplest case when the codes match in the comparison block 10 according to the procedure using the means described in the application WO 97/034 10 Al, G 06 F 17 / 60, 01/30/1997 and in US 5359642, H 04 M 15/00, 10.25.1994.

 The given implementation examples do not limit the possibility of other implementation options of the claimed system, including options for the implementation of individual functional units of the system.

Claims (16)

 1. A system for providing paid services in a telecommunication network comprising user terminals, a seller’s server with paid resources associated with a telecommunication network (TS), and a telephone network (TF), characterized in that the user terminals are configured to connect to the TS and connect to TF as subscribers of the specified network, the system contains means for switching user terminals with the specified seller’s server, installed in the TF and designed to connect user terminals through the corresponding nodes switching the TF with the seller’s server with paid resources, the seller’s server is designed to transmit to the subscriber of the TF access code for paid or paid resources on the TF and to provide the TS user access to paid resources by comparing the access code received from the corresponding user terminal on the TS and transmitted to the user by TF from the seller’s server.  2. The system according to claim 1, characterized in that said switching means is connected to TF switching nodes configured to provide control of communication sessions of TF subscribers connected to the seller’s server for billing said subscribers with an automated system for calculating TF services for said sessions communication.  3. The system according to claim 1, characterized in that the seller’s server contains means for generating an access code to paid seller’s resources, consisting of an encoder and a storage device (memory), one input / output of the encoder is connected through the means for receiving and transmitting messages via TF with the specified means of switching, the second input-output is connected to a storage device (memory), means for receiving and transmitting messages on the vehicle, one input-output of which is designed to exchange messages with user terminals, the other input-output of which and input-output of the memory are connected s to the comparison unit, the output of the comparator is connected via a control unit with means of access to the seller's resources.  4. The system according to claim 3, characterized in that the means of providing access to paid resources is associated with a resource database located on the seller’s server, with the ability to read the corresponding information service from the specified database and transmit it through the specified means of receiving and transmitting messages over the vehicle to the user terminal.  5. The system according to claim 3, characterized in that the means of providing access to paid resources is intended to issue or find the address of the resource of interest to the user on the seller’s server and is associated with a means for receiving and transmitting messages over the vehicle designed to transmit the specified address to the user terminal .  6. The system according to claim 1, characterized in that the TS is a global Internet network.  7. A system for providing paid services in a telecommunication network comprising user terminals, a seller’s server of paid resources and a payment system server associated with a telecommunication network (TS) and a telephone network (TF), characterized in that the user terminals are configured to connect to the TS and connecting to the TF as subscribers of the specified network, the system contains a means for switching user terminals in the TF with the payment system server installed in the TF and designed to connect subscribers' terminals through the switching nodes of the TF with the payment system server, the payment system server is designed to transmit the subscriber of the access code to the seller’s paid resource through the TF and send a message about the transmitted access code to the seller’s server, for subsequent comparison on the seller’s server the access code transmitted by the payment system server to the subscriber on TF and received by the seller’s server on the TS from the user’s terminal, and providing the seller’s server user access to paid resources according to the comparison results.  8. The system according to claim 7, characterized in that said switching means is connected to TF switching nodes configured to provide control of communication sessions of TF subscribers connected to a payment system server for billing said subscribers with an automated system for calculating TF services for said communication sessions.  9. The system according to claim 7, characterized in that the message to the seller’s server about the transmitted access code includes a user access code to a paid resource on the seller’s server.  10. The system according to claim 7, characterized in that the message to the seller’s server about the transmitted access code includes the memory address of the seller’s server in which the transmitted access code is stored.  11. The system according to claim 7, characterized in that the server of the payment system comprises means for generating an access code to paid resources of the seller, consisting of an encoder and a storage device (memory), one input-output of the encoder is connected through a means of receiving and transmitting messages via TF with the specified switching means, the second input-output is connected to the memory, a means for receiving and transmitting messages on the vehicle, one input-output of which is designed to exchange messages with the seller’s server on the vehicle, the other input-output is connected to the memory.  12. The system according to p. 7, characterized in that the seller’s server contains means for receiving and transmitting messages over the vehicle, the first input-output of which is intended for exchanging messages with the server of the payment system, the second input-output is intended for exchanging messages with user terminals, the third the input-output is connected to the memory of the seller’s server, the output of which and the fourth input-output of the specified means of receiving and transmitting messages over the vehicle are connected to the comparison unit, the control unit, the input of which is connected to the output of the comparison unit, and the output to the means providing access to paid resources, the output of which is connected to the fifth input-output means of receiving and transmitting messages over the vehicle.  13. The system according to p. 12, characterized in that the means of providing access to paid resources is associated with a database of resources located on the seller’s server, with the ability to read the corresponding information service from the specified database and transmit it through the specified means for receiving and transmitting messages via TS to the user terminal.  14. The system according to p. 12, characterized in that the means of providing access to paid resources is intended for issuing a resource or the address of a resource of interest to a user on the seller’s server and is associated with a means for receiving and transmitting messages on a vehicle designed to transmit the specified address to the terminal user.  15. The system according to claim 7, characterized in that the seller’s server contains a means for generating an access code for paid resources, consisting of an encoder and a storage device (memory), the encoder input is connected to the sixth input-output of the message receiving and transmitting means over the vehicle, and the output is connected to the memory, the second input-output of which is connected to the corresponding input-output of the transmission of messages over the vehicle.  16. The system according to claim 7, characterized in that the TS is a global Internet network.

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