Interbank payment system, method of carrying out transactions, method of issuing a standard of purchasing power of a monetary unit, user's personal device (options)

Claims

1. A user's personal device comprising a housing, a means for inputting and displaying data on the current time, spatial coordinates, personal data, the ID number of a social event - birth and / or life event of the user and display, a microboard located in the housing with an installed microprocessor, a Wi-Fi and / or Bluetooth module, a memory module, an NFC module, as well as a module for communication with at least one server device, a module for navigation and determining the current coordinates of the location of the event and a module for communication with information systems, including banking systems, for using a payment instrument received from the server device in the form of a form with a unique ID code used to register the moment of birth of a person according to the physical parameters of planet Earth and as a single electronic commodity-money standard of the purchasing power of a monetary unit for regulating the purchasing power of the types of currencies included in the international standard ISO 4217,in trade and exchange transactions, in addition, the user's personal device contains a battery to ensure the operability of the elements of the user's personal device.

2. A personal device of the user according to paragraph 1, characterized in that it contains at least one video camera.

3. A personal user device according to paragraph 1, characterized in that it contains a gravitational wave generator, a gravitational wave recording sensor, and a signal converter into electromagnetic signal using the electromagnetic-acoustic method.

4. The user's personal device according to paragraph 1, characterized in that it contains a card reader for accommodating an EMV chip of the banking system and / or a user card of the unified system for registering the user's birth and life events.

5. A personal device of the user according to paragraph 1, characterized in that it contains a slot intended for placing a flash memory card used for storing information about the bank balance, life events and personal data of the user.

6. A user's personal device comprising a housing, a means for inputting and displaying data on the current time, spatial coordinates, personal data, an ID number of a social event - birth and / or life event of the user, a microboard located in the housing with an installed microprocessor, a Wi-Fi and / or Bluetooth module, a memory module, an NFC module, as well as a communication module with at least one server device and a module for communication with information systems, including banking systems for the use of a payment instrument received from the server device in the form of a form with a unique ID code used to register the moment of birth of a person according to the physical parameters of planet Earth and as a single electronic commodity-money standard of the purchasing power of a monetary unit for regulating the purchasing power of currencies according to ISO in trade and exchange transactions, in addition,the user's personal device contains a battery to ensure the operability of the elements of the user's personal device., 7. The user’s personal device according to paragraph 6, characterized in that it contains at least one video camera.

8. A personal device of the user according to paragraph 6, characterized in that it contains a card reader for placing an EMV chip of the banking system and / or a card of the user of the unified system for registering the birth and life events of the user.

9. The user’s personal device according to paragraph 6, characterized in that it is designed with the ability to be forced mechanically disconnected from the Internet.

10. A personal user device according to paragraph 6, characterized in that it contains a solar battery.

11. A personal device of the user according to paragraph 6, characterized in that it contains a slot intended for placing a flash memory card used for storing information about the bank balance, life events and personal data of the user.

12. The interbank payment system comprises at least one server device connected to at least one personal device of the user according to paragraph 1 and / or 5 and to at least one remote frequency and time standard, wherein the personal device of the user is configured to register social events by current time and coordinates in the past and present time, namely, the birth and / or life events of the user by entering data on the current time, spatial coordinates, personal data, the ID number of the social event form and transmitting the data to at least one server device programmed with the capability of forming a plurality of points in space and time - forms for registering social events, and a unit of the form corresponding to each such social event with a unique ID code, which is a single electronic commodity-money equivalent - a standard of the purchasing power of a monetary unit,a universal product with a dual purpose, designed to register the birth and / or life events of the user based on the physical parameters of planet Earth at a given point in space and time, followed by debiting the form unit from the user's bank balance and using it as a single electronic commodity-money equivalent - a standard of purchasing power of a monetary unit for regulating the purchasing power of types of currencies included in the international standard ISO 4217, in trade and exchange transactions, in addition, the server device is configured with the ability to issue digital financial assets and other digital rights, including combined ones, register users, carry out transactions, interbank transfers, conduct trade and exchange transactions by users after completing the registration and authentication procedure, connect to banking information systems, systems for issuing digital financial assets and other digital rights, including combined ones,comprising an automated control system, a financial and accounting system, and an information and cybersecurity system.

13. The system according to paragraph 12, characterized in that at least one server device includes a backup frequency and time standard to ensure the operation of the system in the event of a lack of communication with the Internet in the STRATUM 1 system.

14. The system according to claim 12, characterized in that at least one server device contains a means for synchronizing the time of a social event with a frequency and time standard, connected by wireless communication to transmitting antennas, a satellite in geostationary orbit, frequency and time storage centers and a precise time server.

15. A method for issuing a standard of purchasing power of a monetary unit, which consists in the fact that the balance of the accounting system, which is part of the system for forming a single electronic commodity-money equivalent, is credited with the quantity of a single electronic commodity-money equivalent issued into circulation by the issuing organization, necessary for the functioning of the system, in the form of units of electronic forms; in the accounting system, each unit of the electronic form is assigned a unique ID code for recording forms for registering social events, namely, the birth and / or life events of the user according to the physical parameters of the planet Earth at a given point in space and time.

16. A method for carrying out transactions in an interbank payment system, which consists of carrying out the procedure for registering and authenticating an individual or legal entity as a user, using the user's personal device to register a social event, namely, the birth and / or life event of the user by entering data on the current time, spatial coordinates, personal data, and the ID number of the social event, transferring data from the user's personal device to at least one server device to form a single electronic commodity-money equivalent in the form of a unit of the form with a unique ID code, writing off the unit of the form from the balance of the personal account of the UNIBIRRS bank user upon registration of the social event, and using the information and cybersecurity system to ensure its secure storage and transfer to various information systems, including banking ones,for use as a single electronic commodity-money equivalent - a standard of purchasing power of a monetary unit in trade and exchange transactions.

17. The method according to paragraph 16, characterized in that the data about the user’s life event is recorded using electronic publicly available geographic maps.

18. The method according to paragraph 16, characterized in that at least one data processing and storage server is provided with a backup frequency and time standard to ensure the operation of the system in the event of a lack of communication link with the Internet in the STRATUM 1 system.

19. The method according to paragraph 16, characterized in that data on social events in the user’s life are recorded using electronic publicly available geographic maps with the transformation of geographic coordinates into spatial ones.