RU2178918C2 - Method for issuing juridical documents and controlling financial system working time - Google Patents

Abstract

FIELD: data processing. SUBSTANCE: method involves acquiring information carrier through financial computer system after publishing juridical document having blank fields to be filled with data identifying a user, his personal property, PIN code and number. After being submitted by a user, the data are saved on the information carrier. User will for concluding agreement is recorded, and time is fixed at which the user has addressed his appeal. The required juridical document valid from the mentioned moment of time is issued. Its validity is followed during agreed time period under terms and conditions noted in the document. The document validity being expired or the mentioned conditions coming into force, access to financial system and juridical document is blocked. EFFECT: enabled computer-aided production of any juridical document based on witnessed occurred event fact. 12 cl, 1 dwg

Description

 The invention relates to integrated automated systems for the provision of services, in particular to financial systems and organization of time control, settlements with consumers through this system, as well as the implementation of legally significant actions through an automated system. The invention can be used in insurance systems, which are also financial systems. Both financial and insurance systems provide for the use of working with information sources using mobile stations. The invention can also be used in information systems that require registration and transfer of legally certified information.

 The classical methods of concluding contracts and exercising control over the execution of concluded contracts by introducing information about them into computer systems are known. For example, it is known the invention RU 02117328, published on 08/10/98, G 06 F 19/00 (6th ed.), "Method of remote financial servicing of a TELEBANK bank client, characterized in that the client interacts with a financial organization through a paperless communication system A password is assigned to the client and an individual list of codes is sent in. This method saves the client time due to the fact that he does not need to visit a bank branch when making a financial transaction.

 However, for legal confirmation of actions, the client must periodically certify the operations performed, constantly change the list of individual codes, which leads to errors and malfunction of the system. In addition, in accordance with this method, the client must personally contact the bank in order to open an account and conclude a service agreement, which requires additional time and effort on the part of the client.

 The invention is known RU 02116008, published on 07.20.98, H 04 Q 7/20, “Mobile telephone system, method of payment from terminal equipment of a mobile telephone exchange and system for implementing the method”, comprising user terminal equipment and a base station. The method is characterized in that for communication with the terminal equipment and determining user rights, it is identified using the information part of the service card. This system allows you to solve the issues of managing the right of access to various services.

 However, the service card device uses complex blocks, such as a SIM block, and it requires sophisticated terminal equipment to initiate the block whenever it is necessary to apply a PIN code. This drawback leads to an increase in the user's time to search for a special terminal for data transfer or to complicate the procedure for concluding contracts with the client due to the need to purchase complex terminal devices and service cards.

 The invention is known as PCT (WO) 94/09454, published 04/28/94, of. bull. 10, G 07 F 7/00 (rev. 5), "Information System", consisting of a terminal, a central station and a recording medium, on which data are recorded identifying the party and the event associated, for example, with the provision of credit. The system allows you to correlate the conditions recorded in the contract with the capabilities of the requesting party (user).

 However, it does not provide an opportunity to document the source of information and the results of operations performed with subsequent control and / or put into effect a legal document.

 The invention is known as PCT (WO) 93/14476, published July 22, 93, of. bull. 18, G 07 G 1/12 (rev. 5), “Method for the production and collection of donation documents”, characterized in that the donor data is encoded and entered into a computer that contains information about the terms of the contract. Using this method, it is possible to carry out user orders for the distribution of monetary amounts for the funds indicated in the contract with the documentation of these actions.

 However, using this method, you cannot initiate (enact) a legal document and choose a time that is convenient for the user to initiate.

 Known invention of US 5325303, published 28.06.94, of. bull. 4, Volume 1163, G 07 17/00 (Rev. 5), “System for collecting tolls on toll roads”, according to which payment is made on the basis of information sources - credit cards, contains terminals installed on the vehicle , and service unit. User identification is carried out by entering the registration number of the vehicle.

 However, the system requires additional equipment on the vehicle in the form of terminals.

 Known invention RU 02117327, published 10.08.98, G 06 F 17/60 (rev. 6), "System for the provision of insurance services", consisting of the insurer's station, the server of the insurance company, the cash register station. Allows you to conclude, accompany and terminate insurance contracts.

 However, it does not provide an opportunity to initiate a contract at a time convenient for the user with prepayment of services, but without the additional cost of time to conclude a contract.

 Known invention of JP 5-6233, published 01/26/93, of. bull. 6-156, G 07 1/00 (Rev. 5), “Time recording system with the ability to send a message”, consisting of a time recording device, an information source in the form of a memory card and a recording system. Allows you to document the time of registration of service data and report registration data to the user.

 However, the system does not provide for the conclusion of contracts and the initiation of legal documents.

 The invention is known US 5303296, published 12.04.94, of. bull. 2, volume 1161, 5 H 04 M 1/64, "Telephone system", characterized in that the user designates his call by indicating his last name, first name, middle name and other identification data. The system allows you to document the source of information and assure the transmitted information.

 However, the system does not provide for the entry into force of a legal document and does not allow to conclude an agreement.

 The closest in technical essence is the invention of PCT (WO) 93/20539, published on 10/14/93, of. bull. 25, 5 G 07 1/30, "Device for managing the time of presence and / or working time", consisting of a computer connected to a speech interface for entering identification data, an interface for communication, a user interface in the form of a telephone and is characterized in that speech data associated with the current time is entered into the storage device. The system allows saving time of the user, recording the time of circulation, however, it does not provide the opportunity to initiate the contract at a time convenient for the user with prepayment of services but without additional time for concluding the contract.

 When creating complex automated systems for the provision of services, complex electronic devices, devices and other devices are used, interconnected by various communication links, for example, telephone channels, radio channels. Moreover, various parts of the system can be spaced a considerable distance from the central control station. The peripheral parts of automated systems for providing services are brought closer to the user in order to save time spent by the user on receiving this or that service. It is desirable that the user himself does not need to purchase complex devices or storage media, since they can only be used for a limited range of terminals. Services, unlike goods, represent the obligations of a specialized organization or enterprise to perform the necessary actions. Such specialized organizations may be, for example, financial institutions or insurance companies. To purchase a service, you need to conclude a contract, which is a legal document signed by both parties - a specialized organization and a consumer of the service. Or the conclusion of the contract should be based on the legally reliable will of the parties. For complex automated service delivery systems in which the transmission of information about the will of the parties is carried out by transmitting signals through communication links, there is a problem of transmitting a signal that would be considered legally reliable. In this regard, there arises the problem of identifying the consumer who has applied for the service, his property, in relation to which the actions of a specialized organization are required, fixing the very fact of the appeal, that is, registering and fixing the time the consumer applied for the service. The combination of these factors allows you to initiate a legal document, in particular a contract, after which it takes effect. A comprehensive automated service delivery system exists specifically so that the consumer does not need to personally come to the central station of the system to conclude a contract, but it is desirable that he could initiate a contract known to the consumer at any time, i.e. enter action legal document. This will significantly save the consumer time to receive the service. In addition, to save time, consumers should be given the opportunity to pay for the service in advance, and initiate an agreement at any time convenient for the consumer. It is also required to manage the operating time of the financial system in order to track the conditions included in the contract or other legal document, and in order to terminate the contract (legal document) in time by turning off the work of the financial system.

 The present invention solves the above problems, as a result of which it is possible to achieve a technical result, consisting in the fact that the invention provides the opportunity to initiate a legal document at a time convenient for the user with prepayment of services, but without additional time to conclude an agreement.

 A method of initiating a legal document and managing the time of the financial system, which consists in the fact that the user through the user interface establishes communication with the time management device, including a computer connected to the communication interface, the registration interface and the memory device, makes a message for entering identification data into him, and the device for time management provides the entry of data associated with the current time in the storage device, and confirms the reception of data by message numbers registration passed to the user. The proposed invention is characterized in that a legal document is published through the financial system first, the user acquires a data carrier through a cash register terminal, on which fields are stored for recording user identifying data and his property, and having a PIN code and information carrier number recorded in the information storage device time management devices. Then, after the user identifies the identifying data, they are entered into the information storage device, and the device designed to record the time of the user’s circulation, initiate the legal document and issue a command to track the validity of the legal document or the conditions specified therein consists of a time management device and a medium information, and the time management device includes a hour meter, an information storage device and is provided with application management software I am the working time of the financial system. The interface for registration captures a message about the will of the user to conclude an agreement, registers the message and informs the user the registration number that he writes on the information carrier. A device designed to record the time of a user’s appeal, initiate a legal document and issue a command to track the validity of a legal document or the conditions specified therein using a storage device with an hour meter connected to it, fixes the user’s time of contact after checking the PIN code and number the information carrier in the information storage device ensures the initiation of a legal document, starting from the time indicated in it, gives a command to the financial system to track The validity of the legal document during the time period subject to the conditions specified in the legal document. Upon the expiration of the legal document or the onset of the conditions specified therein, it blocks the operation of the financial system and the legal document.

 The financial system can be, in particular, an insurance system that includes the insurer's station, while a legal document can be presented in the form of an insurance contract, and the policy can be the storage medium. In addition, the time management device may include a computer connected to a voice interface for communication, communicating with a user via telephone lines and having a voice to digital code converter and vice versa. The time management device may also include a computer connected to the registration interface, which makes a message to the user about the registration number of the information medium in the form of a voice message.

 The information carrier can be made by type of credit card and have fields for recording user identifying data in the form of last name, first name, middle name, address of the user and his signature. The storage medium may also have a field for recording identifying data of a user's property in the form of a state registration number of a user's vehicle.

 The information carrier, if necessary, is filled in by the user after receiving confirmation from the device for time management about assigning a registration number to the information carrier. The storage medium has a field listing the conditions for concluding a contract or another condition for the entry into force of a legal document and / or the storage medium has a field indicating the telephone number of the initiation device.

 Any trading organization can be represented as a cash register terminal, and a computer with modem communication and / or a telephone set can be presented as a user terminal.

 The drawing schematically depicts a financial system.

 Elements of the financial system (1) are: a legal document (2), a user terminal (3), a cash register terminal (4), a storage medium (5), which together with a time management device (6) forms a device designed to record time a user’s request, initiating a legal document and issuing a command to track the validity of a legal document or the onset of the conditions specified therein (UVIV) (7). The time management device (6) consists of an interface for communication (8), an information storage device (9), a computer (10) connected to a storage device (11), a clock counter (12) and equipped with software (13), as well as interface for registration (14).

 The legal document (2) is, for example, an insurance contract, which must be concluded by law in writing, or another document obliging a specialized organization, such as an insurance company, to perform legally significant actions. Therefore, the contract is executed in writing and published in any way - by transmitting messages in the media (on radio, television, in print), or provided to the user for review printed on paper or in electronic form, while the fact of presentation to the consumer should be recorded either signature of the consumer, or by technical means.

 The user terminal can be a telephone (both a radiotelephone and a network), or a computer connected via telephone through dial-up modem. In special cases, in the conditions of the location of the insurer's station accessible to the user, on which the device is located, which is used to record the time of the user’s appeal, initiate a legal document and issue a command to track the validity of the legal document or the conditions specified therein, the user can personally provide his data for entering into the interface for communication.

 The cash register terminal can be any automatic machine for the sale of bank cards, tickets, cash registers serviced by the seller, or any outlet operating in accordance with the law. In particular, gas stations or service stations can be used as a cash register terminal, at which payments are made with the client and records of sold storage media are kept.

 The information carrier is a card made of thick cardboard with the fields allotted for recording the user's last name, first name, middle name, address, state number of the car or other registration number of the user's property, date of registration of the information carrier (5) by the registration interface (14) and registration number of the information carrier (5) in the device, designed to record the time of the user’s appeal, initiate a legal document and issue a command to track legal actions th document or the conditions specified in it (7), as well as a field for user signature. All this data is entered by the user into the information carrier independently after he initiated a legal document (contract) by simply entering the data in the appropriate fields. The storage medium may be made as a bank card with magnetic or other media. In this case, such information can be entered for the user at the cash register terminal using special equipment. However, an indispensable condition is that the consumer puts his signature on the information carrier with his own hand, since this is a legally reliable fact of the will of the consumer to conclude an agreement. In addition, the storage medium has a storage medium number and a PIN code thereon. The number is placed openly, a PIN code under an opaque film, which is removed by the user before the message is sent to the initiation device (7). A text with the terms of the contract may be placed on the information carrier.

 The interface for communication can be a telephone set that receives the user's voice messages and translates it into a digital code, or using a microphone that records the message on magnetic tape.

 The interface for registration can be a call counter and a telephone, fax or other device that transmits a message to the user in the form of a voice message or in any other way.

 As a device for managing time, for example, a complex of hardware and software of a station for recording official negotiations of the DT-2117 type can be used. In the time management device, in the storage device (11), data related to the current time, the time of the consumer’s circulation, the validity period of the legal document (contract) after its initiation, the time of blocking the financial system (insurance system) after the expiration of the legal document ( agreement). The registration interface (14) assigns the registration number to the storage medium and transmits it to the user interface, records the fact of the user’s appeal (will) to initiate a legal contract. The information storage device (9) stores data on all storage media — its PIN code and number, and stores user identifying data — surname, name, middle name and address of the user. The information storage device stores identifying property data, in particular the state registration number of the car. These data are entered into the information storage device (9) after the data are communicated to the time control device (6).

 As an example, confirming the possibility of implementing the proposed method, you should consider the method of initiating an insurance contract and managing the operating time of the insurance system.

 An insurance company through the financial system (1) publishes an insurance contract. Enters PIN codes and policy numbers made in the form of information carrier (5) into the information store (9) and sends them for sale to the cash register terminal (4), for example, to gas stations. The user acquires the policy and, during the time specified in the insurance contract, at a convenient time for himself, turns to the interface for communication (8) of the time management device (6). When this action is performed, the user dials the phone and gives his identification data - last name, first name, middle name and address, as well as the identification data of the car - the state registration number and calls the PIN code of the policy and its number. Identification data is entered into the information storage device (9), if the policy number and its PIN code are found in the information storage device, the registration interface (14) assigns the registration number to the policy and confirms the receipt by message to the user with information about the registration number and registration time. The interface for registration (14) captures data on the fact of a user (policyholder) appeal, provides the entry of data related to the current time in a storage device (11).

 The policyholder independently enters the identification data, number and date of registration on the card and signs it on the card.

 A device designed to record the time of a user’s appeal, initiate a legal document and issue a command to track the validity of a legal document or the occurrence of the conditions specified therein (7), fixes the time of a user (policyholder )’s appeal and ensures the initiation of an insurance contract starting from the time indicated , instructs the financial system (1) to begin monitoring the validity of the insurance contract throughout the insurance period or until the insured event, and after The validity of the insurance contract or the occurrence of an insured event blocks the operation of the financial system (insurance system) and the insurance contract.

 Thus, the policyholder, after purchasing the policy, can independently choose a convenient time for himself, starting from which the insurance contract will be valid, i.e., he will initiate a legal document at a convenient time. In this case, the policyholder can calculate the most dangerous period for driving a car. To initiate, the policyholder does not need to look for specially equipped terminals, since a telephone can be used as a terminal. After receiving the registration number and registration date, the conditions of the insurance contract begin to apply. When implementing a simple initiation procedure, the user saves time on the conclusion of the contract, in addition, the procedure for concluding an insurance contract is simplified. The financial system gains the opportunity to document the insurer's will and results of the insurance contract and manage the time of the insurance system.

 In addition, the level of security of the insured increases, since the purchase of the policy is anonymous. The policyholder is given the opportunity to choose the period of insurance during the period of greatest probability of the occurrence of the insured event. Improving the quality of insurance services, simplifying the service of policyholders. In addition, the system allows you to enter into force any legal document on the basis of a certified fact of the event.

Claims (12)

 1. A method of initiating a legal document and managing the time of the financial system, which consists in using a user interface to establish communication with a time management device, including a computer connected to a communication interface, a registration interface and a storage device, to make a message for entering identification data carrier information in the specified device, enter data associated with the current time in the device for controlling time by means of a storage device, confirm the reception of data by a message transmitted to the user, characterized in that a legal document is preliminarily published through the financial system, the PIN codes and numbers of the storage media are entered into the storage medium, and each storage medium has fields for recording user identifying data and property thereon , PIN-code and information carrier numbers, the indicated information carriers are sent for sale to cash register terminals for sale, after the user acquires the information carrier information and informing them of the identifying data of the information carrier purchased by him through the user interface and device designed to record the time of the user’s circulation, initiate the legal document and issue a command to track the validity of the legal document or the conditions specified therein, enter this data into the time management device in the information store, through the interface for registration, a message is recorded about the will of the user to conclude an agreement, register this the message is transmitted to the user and the registration number of the information carrier is recorded, the user’s access time is recorded using the memory device with the hour meter connected to it, after checking the PIN code and the number of the information carrier in the information storage device, the legal document is initiated, starting from the time indicated in it, it is monitored validity of a legal document for a given time period, and subject to the conditions specified in a legal document, upon expiration of its validity or term A combination of the conditions specified in it, block the operation of the financial system and legal document.  2. The method of initiating a legal document and managing the financial system operating time according to claim 1, characterized in that they present a legal document in the form of an insurance contract, and use a policy as a storage medium, and the insurance station is included in the financial system.  3. The method of initiating a legal document and managing the time of the financial system according to claim 1 or 2, characterized in that they communicate with the user interface via telephone lines and a time management device including a computer connected to the speech interface for communication and having a speech converter into a digital code and back.  4. The method of initiating a legal document and managing the time of the financial system according to claim 3, characterized in that they make a message to the user about the registration number of the information carrier in the form of a voice message using the registration interface, which is connected to the time management device through device computer.  5. The method of initiating a legal document and managing the financial system operating time according to claim 1 or 2, characterized in that they enter the data on the user's last name, first name, middle name, address and signature into the information carrier, which is made in the form of a credit card and has separate fields for recording user identifying data.  6. The method of initiating a legal document and managing the financial system operating time according to claim 5, characterized in that they enter the state registration number of the user's vehicle in a separate field of the information carrier, which is made in the form of a credit card and has a field for recording identifying data of the user's property.  7. The method of initiating a legal document and managing the time of the financial system according to claim 6, characterized in that the user fills the information carrier after receiving a message about assigning a registration number to the information carrier transmitted by the time management device.  8. The method of initiating a legal document and managing the financial system operating time according to claim 1 or 2, characterized in that they use a storage medium having a field listing the conditions for concluding a contract or another condition for the entry into force of a legal document.  9. The method of initiating a legal document and managing the time of the financial system according to claim 3, characterized in that they use a storage medium equipped with a field indicating the telephone number of the device designed to record the time of the user’s appeal, initiate a legal document and issue a command to track the validity of the legal document or the onset of the conditions specified therein.  10. The method of initiating a legal document and managing the time of the financial system according to claim 1, characterized in that the media are sold in any trading organizations that use cash transactions as a terminal.  11. The method of initiating a legal document and managing the financial system operating time according to claim 1, characterized in that a computer with modem communication is used as a user terminal.  12. The method of initiating a legal document and managing the time of the financial system according to claim 1, characterized in that a telephone is used as a user terminal.