FIELD: electronic systems for mutual payments.
SUBSTANCE: the system contains commercial accounting devices, each one provided with a block for automatic regulation of volume of provided services and with a device for electronic input-output of related characteristics depending on numerical characteristics, payment receiving station, payment processing center with a module for conducting clearing operations, made with possible regular exchange of information with databases of service providers and/or authorized banks, and/or executive power, and/or controlling (supervising) structures, at least one database of mutual obligations and demands, database of indications of commercial accounting devices, block for differentiation of payments, check connection block for connecting payment receiving station to payment processing center, at least one payment splitting module and personal information carrier, made with possible exchange and overwriting of aforementioned characteristics and containing constant information about the client, sufficient for identification of the client (features, shared with a prototype), while at least one commercial accounting device and one payment receiving station are structurally combined in one device, which is installed in a location, which is accessible for each client of the system and provided with a module for recognition of commands of identified client which concern setting priorities for paying off mutual obligations and demands, and for transmitting aforementioned commands to payment differentiation block and/or module for conducting clearing operations and/or module for splitting payments. Or, instead of the personal information carrier, the system is provided with the module for identification of the client on basis of biometric data.
EFFECT: expanded functional capabilities with increased adaptability of the system and with possible control over the movement of monetary resources.
2 cl, 2 dwg
