Hardware and software system for acquiring and analyzing data about a good or service

Abstract

The technical solution relates to blockchain and data processing technologies. The claimed hardware and software system for acquiring and analyzing data about a delivered and received good or service with automated billing and automated payment for the received good or service comprises: a unit for interacting with system users which is connected to a module for creating and signing smart contracts, to a data analysis unit, to an information storage module and to a module for generating data verification requests; a data analysis unit connected to a module for calculating the total cost of a received good or service and generating a bill and to the module for generating data verification requests; and a unit for interacting with a financial organization. The technical result consists in increasing the ease and automation of billing and payment, as well as billing accuracy.

Description

[0001] HARDWARE AND SOFTWARE COMPLEX FOR RECEIVING AND ANALYZING DATA ABOUT A PRODUCT OR SERVICE

[0002] Field of technology

[0003] The technical solution relates to the field of blockchain and information processing technologies, in particular, to systems for organizing and controlling payment for goods or services.

[0004] Prior art

[0005] An automated system for payment of housing and communal services is known, comprising a unit for receiving cash subsidies for payment of housing and communal services, a unit for receiving social card data, a unit for receiving server database records, a unit for receiving data on executed payments, a unit for switching data output channels and a unit for generating signals for recording and reading the server database, wherein the system comprises a unit for selecting the address of the beneficiary in the server database, a unit for identifying the beneficiary data, a unit for identifying data on payment of charges for services, a unit for calculating the total amount of payments. Patent in the Russian Federation No. 57926, published on 27.10.2006.

[0006] A system for monitoring and controlling energy resource consumption is known, including objects with equipment for primary metering of energy resource consumption, devices for transmitting information on consumed energy resources to a server of an information processing center, wherein the devices for transmitting information from the equipment for primary metering at the objects are combined into a local wired network common to all types of resources using a server operating with a console application and the ability to collect and store primary information, configure and control equipment for metering energy resource consumption and two-way data exchange with the server of the information processing center, and graphic interfaces for viewing information on energy consumption at the objects of the system in real time by individual consumers and users of the information processing center.The system is additionally equipped with interfaces of energy resource suppliers, designed with the ability to access data on the consumption of the corresponding energy resources and client interfaces. Patent in the Russian Federation No. 126165, published on 20.03.2013.

[0007] Disclosure of invention

[0008] The technical result of the declared technical solution is to increase the convenience, security and automation of calculations, and automation of payment for the received goods or services, as well as the accuracy of invoicing based on the analysis of data on the delivered goods or services and on the received goods or services.

[0009] The stated technical results are achieved due to the fact that the software and hardware complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services, includes a block of interaction with system users, with the supplier of goods or services and with the recipient of goods or services, associated with a module for creating and signing smart contracts, with a block of analyzing data received from the supplier of goods or services, with data received from the recipient of goods or services, with a module for storing received and generated information, with a module for generating requests for checking the received data, a block of analyzing data received from the supplier of goods or services, with data received from the recipient of goods or services, associated with a block of interaction with system users, with a module 8 for calculating the final cost of the received goods or services and generating an invoice,with a module for generating requests for checking received data, designed with the ability to confirm the match of data in the specified parameters, about the delivered and received goods or services, or reject confirmation of the match of data in the specified parameters, about the delivered and received goods or services, a block of interaction with a financial institution, associated with a module for requesting and receiving data from a financial institution, the recipient of goods or services, with a financial institution of the recipient of goods or services, with a module for storing received and generated information.

[0010] The block of interaction with users of the system, with the supplier of goods or services and with the recipient of goods or services, connected with the module of creation and signing of smart contracts, with the block of analysis of data received from the supplier of goods or services, with the data received from the recipient of goods or services, with the module of storage of received and generated information, with the module of generation of requests for verification of received data, and also preferably with the module of crediting the recipient of goods or services, provides the possibility of registration, appeal, transfer of data by users to the system (complex) for their subsequent processing and receipt of responses and notifications from it, automatic calculation of the cost of the received goods or services by transferring the relevant information to the block of interaction with subsequent processing in the block of analysis, automatic permission to verify data without additional request to users and waiting for a response from them,automatic crediting for payment of the invoice if there are insufficient funds for payment of the goods or services in the account of the user who received the goods or services, if such action is previously agreed upon by the recipient of the goods or services in the smart contract, as well as automatic consent to check the data if the data from the recipient and the supplier of the goods or services do not match. The block of interaction with users of the system can be implemented in the form of a client module, a terminal, a separate organization, etc. The block of analysis of data received from the supplier of the goods or services, with the data received from the recipient of the goods or services, connected with the block of interaction with users of the system, with the module for calculating the final cost of the received goods or services and generating an invoice, with the module for generating requests for checking the received data, made with the ability to confirm the match of data in the specified parameters, about the delivered and received goods or services,or rejection of confirmation of the coincidence of data in the specified parameters, about the delivered and received goods or services, is necessary for processing and comparing data, and, based on the results of the comparison, automatically transmitting the corresponding command to the corresponding block or module. The data analysis block can be implemented using artificial intelligence and other software algorithms, as well as hardware.

[0011] The block of interaction with the financial institution, connected with the module of requesting and receiving data from the financial institution on the availability of funds in the account of the recipient of the goods or services, if such action is previously agreed upon by the recipient of the goods or services in the smart contract, with the module of storing the received and generated information, and also preferably with the module of lending to the recipient of the goods or services and with the credit financial institution, is necessary for communication with the ability to receive and transmit data of the declared complex with external organizations for the payment of the invoice. The block of interaction with the financial institution can be implemented in the form of a client module, a terminal, a separate organization, etc.

[0012] The presence in the module for creating and signing smart contracts, using the technology of distributed registries of smart contracts for the analysis of data received from the supplier of goods or services, with data received from the recipient of goods or services, smart contracts for the settlement between the recipient of goods or services to the supplier of goods or services, for the received goods or services, and the execution of smart contracts for the settlement between the recipient of goods or services to the supplier of goods or services, for the received goods or services, with the ability to attract financial resources from a credit institution and lending to the recipient of goods or services allows, in order to make payment for the received goods or services, to automatically write off funds from the account of the recipient of goods or services, or to issue a loan for the missing amount, if there are insufficient funds to pay the invoice, on pre-agreed terms between the user and financial institutions.

[0013] The module for storing the received and generated information, connected at least with the block of interaction with system users and the block of interaction with the financial institution, is necessary for recording and storing data of all performed transactions related to the recipient of the goods or services and to the financial institution (bank) of the recipient of the goods or services, as well as the financial institution (bank) of the supplier of the goods or services, ensuring the ease of use and security of the declared complex, the possibility of resuming transactions in an automatic format of execution and requests for obtaining available information. The module for storing the received and generated information can be implemented in the form of an electronic or physical database.

[0014] The described blocks and modules of the complex can be implemented as a single block, possessing the described characteristics and capable of performing the listed functions, or as interconnected modules of the system.

[0015] Brief description of the drawings

[0016] The claimed technical solution is further explained with the help of a figure, which conditionally shows one of the possible options for the implementation of a software and hardware complex for obtaining and analyzing data on delivered and received goods or services, with automated calculation and payment for the received goods or services.

[0017] Fig. 1 shows a functional diagram reflecting the structure of the preferred embodiment of the hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and payment for the received goods or services, the following elements are marked with numbers:

[0018] - block 1 interaction with system users;

[0019] - block 2 of analysis of data received from the supplier of goods or services with data received from the recipient of goods or services;

[0020] - block 3 interaction with a financial institution;

[0021] - module 4 creation and signing of smart contracts;

[0022] - module 5 for storing received and generated information;

[0023] - module 6 for generating requests for verification of received data;

[0024] - module 7 for crediting the recipient of goods or services;

[0025] - module 8 for calculating the final cost of the received goods or services and generating an invoice;

[0026] - module 9 for requesting and receiving data from the financial institution of the recipient of the goods or services;

[0027] - financial institution 10 recipient of goods or services;

[0028] - credit financial institution 11.

[0029] Embodiments of the invention

[0030] Below, with references to the figure, a preferred embodiment of the software and hardware complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services is described.

[0031] The hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services includes block 1 for interaction with system users, with the supplier of goods or services and with the recipient of goods or services, connected with module 4 for creating and signing smart contracts, with block 2 for analyzing data received from the supplier of goods or services, with data received from the recipient of goods or services, with module 5 for storing received and generated information, with module 6 for generating requests for verification of received data, in some special cases of implementation with module 7 for crediting the recipient of goods or services. The hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services also includes block 2 for analyzing data,received from the supplier of the goods or services, with the data received from the recipient of the goods or services, connected with the block 1 of interaction with system users, with the module 8 of calculating the final cost of the received goods or services and generating an invoice, with the module 6 of generating requests for checking the received data, made with the possibility of confirming the match of data in the specified parameters, about the delivered and received goods or services, or rejecting the confirmation of the match of data in the specified parameters, about the delivered and received goods or services; and the block 3 of interaction with the financial institution, connected with the module 9 of requesting and receiving data from the financial institution, the recipient of the goods or services, with the financial 10 organization of the recipient of the goods or services, preferably with the module 7 of lending to the recipient of the goods or services and with the credit financial institution 11, with the module 5 of storing the received and generated information.

[0032] Preferably, the block 1 of interaction with system users includes a module 5 for storing received and generated information, using distributed ledger technology, directly connected to the block 1 of interaction with system users itself, with a module 4 for creating and signing smart contracts, with a module 8 for calculating the final cost of the received goods or services and generating an invoice, with a module for crediting the recipient of the goods or services, with a block 3 for interaction with a financial institution, and the module 4 for creating and signing smart contracts, using blockchain technologies, includes smart contracts for analyzing data received from the supplier of the goods or services, with data received from the recipient of the goods or services, smart contracts for making a settlement between the recipient of the goods or services to the supplier of the goods or services, for the received goods or services,wherein smart contracts for the settlement between the recipient of goods or services to the supplier of goods or services, for the received goods or services, are made with the possibility of attracting financial resources from a credit institution 11 and lending to the recipient of goods or services, wherein each smart contract has an identification number for recording and identifying the smart contract by the software and hardware complex.

[0033] Preferably, the data analysis block 2 includes a module 8 for calculating the final cost of the received goods or services and generating an invoice, wherein the calculation is made taking into account online information received from the supplier of the goods or services at the time of calculating the final cost of the goods or services, directly connected to the block 2 itself for analyzing the data received from the supplier of the goods or services, with the data received from the recipient of the goods or services, with the block 3 for interacting with the financial institution, with the module 5 for storing the received and generated information, and a module 6 for generating requests for checking the received data from the supplier of the goods or services and the recipient of the goods or services, in the event of a discrepancy between the data on the delivered goods or services and the received goods or services, within the specified parameters, with the possibility of sending the generated requests to the supplier of the goods or services and the recipient of the goods or services.

[0034] Preferably, block 3 of interaction with the financial institution includes a module 9 for requesting and receiving data from the financial institution of the recipient of the goods or services, on the availability of funds in the account of the recipient of the goods or services, in the necessary and sufficient amount, to make payment for the received goods or services, directly connected with block 3 of interaction with the financial institution itself, with a module for generating a request to the recipient of the goods or services, to replenish funds, with a module for initiating payment for the delivered goods or services;and the associated module for generating a request to the recipient of the goods or services for replenishment of funds, if the funds in the financial institution 11 in the account of the recipient of the goods or services are insufficient, and the associated module for initiating payment for the delivered goods or services, in the financial institution 11, according to the details of the supplier of the goods or services, if the data in the specified parameters match on the delivered and received goods or services and if there are sufficient funds in the financial institution 11 in the account of the recipient of the goods or services, or when the recipient of the goods or services receives credit funds, for the purpose of payment by the recipient of the goods or services to the supplier of the goods or services for the received goods or services, and the associated module for crediting the recipient of the goods or services, associated with block 1 of interaction with system users, with module 5 for storing the received and generated information.

[0035] The operation of the hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services is presented using the example of payment for housing and communal services.

[0036] The recipient of the goods or services, in this case, the consumer of utilities, through block 1 of interaction with system users, transmits data on the amount of utilities consumed. The supplier of the goods or services, in this case, the housing and utilities management company, through block 1 of interaction with system users, transmits data on the amount of utilities provided.

[0037] Further, in block 2 of the analysis of data received from the supplier of goods or services with the data received from the recipient of goods or services, a comparison of data is made based on the smart contract for the analysis of data received from the supplier of goods or services with the data received from the recipient of goods or services.

[0038] If the data from the recipient of the goods or services does not match the data of the supplier of the goods or services, data analysis block 2 rejects the confirmation of the match of the data in the specified parameters about the delivered and received goods or services, and a request is generated in module 6 to check the received data.

[0039] If the data matches, data analysis block 2 confirms the match of the data in the specified parameters about the delivered and received goods or services. In module 8, the final cost of the received goods or services is calculated and an invoice is generated, based on a smart contract for the settlement between the recipient of the goods or services to the supplier of the goods or services, for the received goods or services, which is sent through block 3 of interaction with the financial institution to the financial institution 11 (the bank of the recipient of the goods or services), where the final amount of payment for the consumed utilities is debited from the account of the recipient of the goods or services and transferred to the account of the supplier of utilities.

[0040] In the absence of sufficient funds in the account of the recipient of the goods or services in the financial institution (in the bank of the recipient of the goods or services), block 3 of interaction with the financial institution sends a request to the recipient of the goods or services to replenish the funds in his account, in case of failure to replenish the account, at the time agreed in the smart contract, a request is sent (if such action is agreed in the smart contract) to the credit financial institution 11, for crediting the recipient of the goods or services, for the purpose of paying the invoice. Industrial applicability

[0041] The declared software and hardware complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services, can be used between an unlimited number of users (suppliers of goods or services and recipients of goods or services) in various fields of activity.

[0042] The presented hardware and software complex can be implemented using physical and software tools, a server, databases, etc. The presented figure, description of the structure of the complex and example of its use do not exhaust the possible implementation options and do not limit in any way the scope of the claimed technical solution. Other implementation options are possible within the scope of the claimed formula.

Claims

FORMULA 1. A hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services, including a block for interaction with system users, with the supplier of the goods or services and with the recipient of the goods or services, linked to a module for creating and signing smart contracts, with a block for analyzing data received from the supplier of the goods or services, with data received from the recipient of the goods or services, with a module for storing received and generated information, with a module for generating requests for verification of incoming data, a block for analyzing data received from the supplier of the goods or services, with data received from the recipient of the goods or services, linked to a block for interaction with system users, with a module for calculating the final cost of the received goods or services and generating an invoice, with a module for generating requests for verification of incoming data,designed with the ability to confirm the match of data in the specified parameters, about the delivered and received goods or services, or reject the confirmation of the match of data in the specified parameters, about the delivered and received goods or services, a block of interaction with a financial institution, connected with the module of requesting and receiving data from a financial institution, the recipient of the goods or services, with the financial institution of the recipient of the goods or services, with the module of storing the received and generated information.

2. A hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services according to paragraph 1, characterized in that the block of interaction with users of the system includes a module for storing received and generated information, using distributed ledger technology, connected directly with the block of interaction with users of the system, with the module of creation and signing smart contracts, with the module of calculating the final cost of the received goods or services and generating an invoice, with the module of crediting the recipient of the goods or services, with the block of interaction with the financial institution, and the module of creation and signing smart contracts, using distributed ledger technology, includes smart contracts for the analysis of data received from the supplier of the goods or services, with data received from the recipient of the goods or services, smart contracts for the settlement between the recipient of the goods or services to the supplier of the goods or services, for the received goods or services, while smart contracts for the settlement between the recipient of the goods or services to the supplier of the goods or services, for the received goods or services, are made with the possibility of attracting financial resources from a credit institution and crediting the recipient of the goods or services,Moreover, each smart contract has an identification number for recording and identifying the smart contract by the software and hardware complex.

3. A hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services according to paragraph 1, characterized in that the data analysis unit includes a module for calculating the final cost of the received goods or services and generating an invoice, wherein the calculation is made taking into account online information received from the supplier of the goods or services at the time of calculating the final cost of the goods or services, directly connected to the data analysis unit itself, received from the supplier of the goods or services, with the data received from the recipient of the goods or services, with the interaction unit with the financial organization, with the module for storing the received and generated information, and a module for generating requests for verification of the data received from the supplier of the goods or services and the recipient of the goods or services, if the data on the delivered goods or services and the received goods or services do not match, within the specified parameters, with the possibility of sending generated requests to the supplier of the goods or services and the recipient of the goods or services.

4. A hardware and software complex for receiving and analyzing data on delivered and received goods or services, with automated calculation and automated payment for the received goods or services according to paragraph 1, characterized in that the block of interaction with a financial organization includes a module for requesting and receiving data from the financial institution of the recipient of the goods or services, on the availability of funds at the recipient of the goods or services, in the necessary and sufficient amount, to make payment for the received goods or services, directly connected with the block of interaction with the financial organization itself, with a module for generating a request to the recipient of the goods or services, to replenish funds, with a module for initiating payment for the delivered goods or services;and the associated module for generating a request to the recipient of the goods or services for replenishment of funds if there are insufficient funds in the financial institution in the account of the recipient of the goods or services, and the associated module for initiating payment for the delivered goods or services in the financial institution, according to the details of the supplier of the goods or services, if the data in the specified parameters match on the delivered and received goods or services and if there are sufficient funds in the financial institution in the account of the recipient of the goods or services, or when the recipient of the goods or services receives credit funds, for the purpose of payment by the recipient of the goods or services to the supplier of the goods or services for the received goods or services, and the associated module for crediting the recipient of the goods or services, associated with the block of interaction with system users, with module 5 for storing the received and generated information.

Images