| 摘要 |
A method for accounting electronic transactions is the fact that the transaction is initiated by the payer (1) from an electronic terminal, the operation causing the following to be delivered to the accounting system (3): the transaction code (A), describing the type of transaction selected, the amount (B) describing the transaction value, payer's ID (D), which is explicitly assigned to the specific payer (1), and the payee's ID (C), which is assigned to the payee (2), and next, the accounting system (3) verifies whether the payer (1) is an authorized user, whether a beneficiary with the given payee's ID (C) exists and what types of transactions are handled by this beneficiary, as well as whether the specified amount (B) is available on the payer's (I) payment account (4), after which the accounting system (3) sends cumulative information on the transaction (E) to the payer (1), which preferably contains also extended information on the transaction, while the payer (1) is requested to accept the transaction, to correct or complete data, having received acceptance for the transaction (F), the accounting system (3) effects accounting of the transaction (G) on the payment account (4) and sends acknowledgment of the payment (H) to the payee (2), which preferably includes additional information on the payer (1), which are not directly related to transaction accounting, as well as acknowledgment of the transaction (J) to the payer (1), which preferably contain additional information (I) delivered to the accounting system (3) by the payee (2). The method of effecting electronic transactions via phone is the fact that the transaction is initiated by establishing a connection from the payer's (1) phone (5) to the severs (6) of the accounting system (3), where the transaction parameters are specified directly in the sequence (S) dialed on the phone (5) in the course of the connection being initiated and are sent via a telecommunication network (7) to servers (6) with the payer's ID (D) from the phone (5), whereas any missing parameters of the transaction are preferably completed by the payer (1) during the connection session, and acknowledgment of the transaction via phone (5) is sent by the accounting system (3) alternatively after the connection has been finished. |
