RU2000107802A - REMOTE IMAGE CENTRALIZED PROCESSING AND STORAGE - Google Patents

REMOTE IMAGE CENTRALIZED PROCESSING AND STORAGE

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RU2000107802A
RU2000107802A RU2000107802/09A RU2000107802A RU2000107802A RU 2000107802 A RU2000107802 A RU 2000107802A RU 2000107802/09 A RU2000107802/09 A RU 2000107802/09A RU 2000107802 A RU2000107802 A RU 2000107802A RU 2000107802 A RU2000107802 A RU 2000107802A
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Russia
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data
subsystem
transaction data
remote
subsystems
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RU2000107802/09A
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Russian (ru)
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RU2231117C2 (en
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Клаудио Р. БАЛЛАРД
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Си Эс Пи Холдингс, Ллс
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Priority claimed from US08/917,761 external-priority patent/US5910988A/en
Application filed by Си Эс Пи Холдингс, Ллс filed Critical Си Эс Пи Холдингс, Ллс
Publication of RU2000107802A publication Critical patent/RU2000107802A/en
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Claims (35)

1. Система центрального управления, хранения и формирования отчетов о дистанционно введенных бумажных транзакциях с документов, включая квитанции и чеки, отличающаяся тем, что содержит одну или несколько удаленных подсистем доступа к данным для ввода и пересылки данных бумажных транзакций и информации идентификации подсистемы, содержащих по меньшей мере одну подсистему формирования изображений для ввода документов, и по меньшей мере один контроллер доступа к данным для управления вводом и пересылкой данных бумажных транзакций, по меньшей мере одну центральную подсистему обработки данных для обработки, пересылки, проверки и сохранения данных бумажных транзакций и информации идентификации подсистемы, причем указанная подсистема содержит подсистему управления для управления обработкой, пересылкой и сохранением данных бумажных транзакций, и по меньшей мере одну коммуникационную сеть для передачи данных транзакций в пределах и между одной или несколькими подсистемами доступа к данным и по меньшей мере одной подсистемой обработки данных, причем подсистемы доступа к данным выдают зашифрованную информацию идентификации подсистемы и зашифрованные данные бумажных транзакций в подсистему обработки данных.1. The system of central control, storage and generation of reports on remotely entered paper transactions from documents, including receipts and checks, characterized in that it contains one or more remote data access subsystems for entering and sending paper transaction data and subsystem identification information containing at least one imaging subsystem for document input, and at least one data access controller for controlling the input and transfer of paper transaction data, at least at least one central data processing subsystem for processing, forwarding, checking and storing paper transaction data and subsystem identification information, said subsystem containing a control subsystem for controlling the processing, sending and storing paper transaction data, and at least one communication network for transmitting data transactions within and between one or more data access subsystems and at least one data processing subsystem, wherein access subsystems nnym issue encrypted subsystem identification information and encrypted data of paper transactions in a data processing subsystem. 2. Система по п. 1, отличающаяся тем, что одна или несколько подсистем доступа к данным обеспечивает ввод электронных транзакций с кредитных карточек, интеллектуальных карточек и дебетовых карточек, данных подписи и биометрических данных и дополнительно содержит по меньшей мере один сканер для ввода данных бумажных транзакций, по меньшей мере один интерфейс карточек для ввода данных электронных транзакций, по меньшей мере один интерфейс подписей для ввода электронной подписи или по меньшей мере один интерфейс биометрических данных для ввода биометрических данных. 2. The system according to claim 1, characterized in that one or more subsystems of access to data provides the input of electronic transactions from credit cards, smart cards and debit cards, signature data and biometric data and further comprises at least one scanner for entering paper data transactions, at least one card interface for entering electronic transaction data, at least one signature interface for entering electronic signature, or at least one biometric data interface for ode biometric data. 3. Система по п. 1, отличающаяся тем, что по меньшей мере один контроллер доступа к данным последовательно преобразует введенные данные бумажной транзакции в растровое изображение, сжатое растровое изображение, шифрованное сжатое растровое изображение и шифрованное сжатое растровое изображение, маркированное информацией, идентифицирующей место и время ввода данных транзакции, при этом одна или несколько подсистем доступа к данным дополнительно содержат цифровую память для хранения тегированного шифрованного сжатого растрового изображения, при этом, дополнительно, по меньшей мере один интерфейс карточек инициирует электронную транзакцию. 3. The system according to claim 1, characterized in that at least one data access controller sequentially converts the entered paper transaction data into a bitmap, a compressed bitmap, an encrypted compressed bitmap, and an encrypted compressed bitmap marked with information identifying the location and transaction data input time, while one or more data access subsystems additionally contain digital memory for storing tagged encrypted compressed raster image In addition, at least one card interface initiates an electronic transaction. 4. Система по п. 1, отличающаяся тем, что одна или несколько подсистем доступа дополнительно содержат по меньшей мере один принтер для распечатывания бумажных транзакций, инициированных по меньшей мере одним интерфейсом карточек, причем по меньшей мере один принтер содержит глифы данных. 4. The system of claim 1, wherein the one or more access subsystems further comprise at least one printer for printing paper transactions initiated by at least one card interface, wherein at least one printer contains data glyphs. 5. Система по п. 1, отличающаяся тем, что подсистема управления данными по меньшей мере одной подсистемы обработки данных содержит по меньшей мере один сервер для опроса одной или нескольких подсистем доступа к данным для получения данных транзакций, подсистему базы данных для хранения данных транзакций в требуемой форме, генератор отчетов для генерирования отчетов из данных транзакций и выдачи данных в прикладные программы, по меньшей мере один центральный процессорный блок для управления хранением данных транзакций, программу услуг имен доменов для динамического распределения одного из, по меньшей мере одного, серверов для приема фрагментов данных транзакций для обеспечения равномерного распределения данных транзакций среди упомянутых, по меньшей мере одного, серверов и иерархическую память, включающую в себя по меньшей мере одну главную память для хранения данных транзакций, принятых последними, и по меньшей мере одну вспомогательную память для хранения других данных транзакций, при этом вспомогательная память включает в себя по меньшей мере один накопитель с автоматической сменой дисков для однократной записи и однократного считывания и по меньшей мере один накопитель с автоматической сменой дисков оптического устройства хранения данных, причем накопитель с автоматической сменой дисков содержит средство памяти, доступной только по чтению, включающее в себя металлический диск для однократной записи и многократного считывания, выполненный в форме постоянного запоминающего устройства на компакт-диске. 5. The system according to p. 1, characterized in that the data management subsystem of at least one data processing subsystem contains at least one server for polling one or more data access subsystems to obtain transaction data, a database subsystem for storing transaction data in the required form, a report generator for generating reports from transaction data and outputting data to application programs, at least one central processing unit for managing the storage of transaction data, a service program for them n domains for dynamically distributing one of the at least one server for receiving fragments of transaction data to ensure even distribution of transaction data among the at least one server and hierarchical memory including at least one main memory for storing data transactions received last, and at least one auxiliary memory for storing other transaction data, while the auxiliary memory includes at least one drive with auto a mate change drive for write once and one read and at least one drive with automatic drive change of the optical storage device, and the drive with automatic drive change contains read-only memory, including a metal drive for write once and multiple read made in the form of read-only memory on a CD. 6. Система по п. 5, отличающаяся тем, что по меньшей мере один сервер также обеспечивает опрос для получения биометрических данных и данных подписи, причем база данных обеспечивает хранение биометрических данных и данных подписи, а по меньшей мере один центральный процессорный блок обеспечивает проверку биометрических данных и данных подписи, при этом подсистема базы данных дополнительно содержит по меньшей мере один предварительно определенный шаблон для подразделения сохраненных транзакций на панели и идентификации местоположений панелей, а подсистема обработки данных дополнительно содержит узел ввода данных для коррекции ошибок в панелях сохраненных данных транзакций. 6. The system according to p. 5, characterized in that at least one server also provides a survey for biometric data and signature data, the database provides storage of biometric data and signature data, and at least one central processing unit provides verification of biometric data and signature data, while the database subsystem further comprises at least one predefined template for subdividing stored transactions into panels and identifying locations of pa nels, and the data processing subsystem further comprises a data input node for error correction in panels of saved transaction data. 7. Система по п. 1, отличающаяся тем, что дополнительно содержит по меньшей мере одну подсистему сбора данных для сбора и пересылки данных электронных или бумажных транзакций, содержащую дополнительную подсистему управления для управления сбором и пересылкой данных транзакций, причем дополнительная подсистема управления по меньшей мере одной подсистемы сбора данных содержит по меньшей мере один сервер для опроса одной или нескольких удаленных подсистем доступа к данным для получения данных транзакций, базу данных для хранения данных транзакций в требуемой форме, по меньшей мере один центральный процессорный блок для управления сбором данных транзакций, программу услуг имен доменов для динамического распределения одного из, по меньшей мере одного, серверов для приема фрагментов данных транзакций для обеспечения равномерного распределения данных транзакций среди упомянутых, по меньшей мере одного, серверов и иерархическую память, включающую в себя по меньшей мере одну главную память для сбора данных транзакций, и по меньшей мере одну вспомогательную память для резервного хранения данных транзакций, при этом по меньшей мере одна вспомогательная память включает в себя по меньшей мере один накопитель с автоматической сменой дисков на цифровой ленте с линейной записью. 7. The system according to claim 1, characterized in that it further comprises at least one data collection subsystem for collecting and sending electronic or paper transaction data, comprising an additional control subsystem for controlling the collection and transmission of transaction data, wherein the additional control subsystem is at least one data collection subsystem contains at least one server for polling one or more remote data access subsystems to obtain transaction data, a database for storing data in the required form, at least one central processing unit for controlling the collection of transaction data, a domain name services program for dynamically distributing one of the at least one server for receiving fragments of transaction data to ensure uniform distribution of transaction data among the at least at least one server and hierarchical memory, including at least one main memory for collecting transaction data, and at least one auxiliary memory for reserve storage of transaction data, while at least one auxiliary memory includes at least one drive with automatic change of disks on a digital tape with linear recording. 8. Система по п. 1, отличающаяся тем, что по меньшей мере одна коммуникационная сеть содержит по меньшей мере одну первую локальную сеть для передачи данных в пределах соответствующей одной из упомянутых одной или нескольких удаленных подсистем доступа к данным, по меньшей мере одну вторую локальную сеть для передачи данных в пределах соответствующей одной из, по меньшей мере одной, подсистем обработки данных, по меньшей мере одну глобальную сеть для передачи данных между одной или несколькими удаленными подсистемами доступа к данным и по меньшей мере одной подсистемой обработки данных, по меньшей мере один модем для соединения по меньшей мере одной первой локальной сети одной или нескольких подсистем доступа к данным с соответствующей одной из, по меньшей мере одной, вторых локальных сетей по меньшей мере одной подсистемы обработки данных через, по меньшей мере одну, глобальную сеть и по меньшей мере один набор модемов для соединения по меньшей мере одной второй локальной сети по меньшей мере одной подсистемы обработки данных с соответствующими некоторыми из, по меньшей мере одной, первых локальных сетей одной или нескольких подсистем доступа к данным через, по меньшей мере одну, глобальную сеть. 8. The system of claim 1, wherein the at least one communication network comprises at least one first local area network for transmitting data within the corresponding one of the one or more remote data access subsystems, at least one second local a network for transmitting data within the corresponding one of at least one data processing subsystem, at least one global network for transmitting data between one or more remote data access subsystems and at least one data processing subsystem, at least one modem for connecting at least one first local area network of one or more data access subsystems with a corresponding one of at least one second local area network of at least one data processing subsystem through, at least one global network and at least one set of modems for connecting at least one second local area network of at least one data processing subsystem with corresponding some of at least In one of the first local networks of one or more subsystems of access to data through at least one global network. 9. Система по п. 8, отличающаяся тем, что по меньшей мере одна коммуникационная сеть содержит по меньшей мере одну первую локальную сеть для передачи данных в пределах соответствующей одной из упомянутых одной или нескольких удаленных подсистем доступа к данным, по меньшей мере одну вторую локальную сеть для передачи данных в пределах соответствующей одной из, по меньшей мере одной, подсистем сбора данных, по меньшей мере одну третью локальную сеть для передачи данных в пределах соответствующей одной из, по меньшей мере одной, подсистем обработки данных и по меньшей мере одну глобальную сеть для передачи данных между одной или несколькими удаленными подсистемами доступа к данным, по меньшей мере одной подсистемой сбора данных и по меньшей мере одной подсистемой обработки данных. 9. The system of claim 8, wherein the at least one communication network comprises at least one first local area network for transmitting data within the corresponding one of the one or more remote data access subsystems, at least one second local a network for transmitting data within the corresponding one of at least one subsystem for collecting data, at least one third local area network for transmitting data within the corresponding one of at least one subsystem for Botko data and at least one wide area network for transmitting data between one or more remote data access subsystems, the at least one data collection subsystem and at least one data processing subsystem. 10. Система по п. 8, отличающаяся тем, что по меньшей мере одна коммуникационная сеть дополнительно содержит по меньшей мере один первый модем для соединения по меньшей мере одной первой локальной сети одной или нескольких подсистем доступа к данным с соответствующей одной из, по меньшей мере одной, вторых локальных сетей через, по меньшей мере одну, глобальную сеть и по меньшей мере один набор модемов для соединения по меньшей мере одной второй локальной сети по меньшей мере одной подсистемы сбора данных с соответствующими некоторыми из, по меньшей мере одной, первых локальных сетей одной или нескольких подсистем доступа к данным через, по меньшей мере одну, глобальную сеть, по меньшей мере один маршрутизатор первой глобальной сети для соединения соответствующей одной из, по меньшей мере одной, вторых локальных сетей по меньшей мере одной подсистемы сбора данных с, по меньшей мере одной, глобальной сетью и по меньшей мере один маршрутизатор второй глобальной сети для соединения соответствующей одной из, по меньшей мере одной, третьих локальных сетей по меньшей мере одной подсистемы обработки данных с, по меньшей мере одной, глобальной сетью, при этом по меньшей мере одна первая глобальная сеть и по меньшей мере одна вторая глобальная сеть включают в себя глобальную сеть каналов, использующих ретрансляцию кадров для передачи данных транзакций. 10. The system of claim 8, wherein the at least one communication network further comprises at least one first modem for connecting at least one first local area network of one or more data access subsystems to a corresponding one of at least one one, second local area networks through at least one global network and at least one set of modems for connecting at least one second local area network of at least one data collection subsystem with some of them corresponding to at least one of the first local networks of one or more data access subsystems via at least one global network, at least one router of the first global network for connecting the corresponding one of at least one second local networks of at least one data collection subsystems with at least one wide area network and at least one second wide area network router for connecting the corresponding one of at least one third local area network of at least one under Data processing System with at least one global network, wherein at least one first wide area network and at least one second wide area network includes a global network of channels using frame relay for transmitting transaction data. 11. Система по п. 10, отличающаяся тем, что по меньшей мере одна вторая локальная сеть и по меньшей мере одна третья локальная сеть дополнительно содержат соответствующий один из, по меньшей мере одного, сетевых коммутаторов для маршрутизации данных транзакций в пределах по меньшей мере одной второй локальной сети и по меньшей мере одной третьей локальной сети. 11. The system according to p. 10, characterized in that at least one second local area network and at least one third local area network further comprise a corresponding one of at least one network switches for routing transaction data within at least one a second local area network and at least one third local area network. 12. Система по п. 1, отличающаяся тем, что данные бумажных транзакций включают идентификационный номер банка плательщика, номер маршрутизации банка плательщика, информацию маршрутизации банка плательщика, номер счета плательщика, чек плательщика, переводный вексель банка плательщика, сумму чека, идентификационный номер банка получателя платежа, информацию маршрутизации банка получателя платежа и номер счета получателя платежа, причем система дополнительно содержит удаленные подсистемы доступа к данным для проверки данных транзакций с чеков. 12. The system of claim 1, wherein the paper transaction data includes the payer's bank identification number, payer's bank routing number, payer's bank routing information, payer's account number, payer's check, payer's bank bill of exchange, check amount, payee's bank identification number payment information, routing information of the bank of the payee and the account number of the payee, the system further comprising remote data access subsystems for checking transaction data from checks. 13. Способ центрального управления, хранения и проверки дистанционно введенных бумажных транзакций с документов, включая квитанции и чеки, отличающийся тем, что включает этапы ввода и пересылки данных бумажных транзакций в одном или нескольких удаленных пунктах, управления вводом и пересылкой данных транзакций, сбора, обработки, пересылки и сохранения данных транзакций в центральном пункте, управления сбором, обработкой, пересылкой и сохранением данных транзакций и передачи данных транзакций в пределах и между удаленными пунктами и центральным пунктом. 13. A method for centrally managing, storing and verifying remotely entered paper transactions from documents, including receipts and checks, characterized in that it includes the steps of entering and sending paper transaction data at one or more remote locations, controlling the input and transfer of transaction data, collecting, processing , forwarding and storing transaction data at a central point, managing the collection, processing, transfer and storage of transaction data and transferring transaction data within and between remote locations and prices eral point. 14. Способ по п. 13, отличающийся тем, что этап управления вводом и пересылкой включает этапы последовательного преобразования введенных данных транзакций в растровое изображение, сжатое растровое изображение, шифрованное сжатое растровое изображение и шифрованное сжатое растровое изображение, тегированное информацией, идентифицирующей место и время ввода данных транзакции, и сохранения тегированного шифрованного сжатого растрового изображения, причем этап ввода и пересылки осуществляют во множестве удаленных пунктов, этап сбора, обработки, пересылки и сохранения осуществляется во множестве из центральных пунктов и включает в себя этапы опроса удаленных пунктов для получения данных транзакций посредством серверов в центральных пунктах, сохранения данных транзакций в центральном пункте в иерархической памяти путем сохранения данных транзакций, полученных последними, в главной памяти, а других данных транзакций - во вспомогательной памяти, и динамического распределения серверов в центральном пункте для приема фрагментов данных транзакций для обеспечения равномерного распределения данных транзакций среди серверов и генерирования отчетов из данных транзакций и выдачи данных в прикладные программы, причем этап сохранения дополнительно включает этапы подразделения сохраненных данных транзакций с использованием предварительно определенных шаблонов на панели и идентификации местоположения панелей, а также, если необходимо, этап управления для коррекции ошибок в панелях сохраненных данных транзакций. 14. The method according to p. 13, wherein the step of controlling input and transfer includes the steps of sequentially converting the entered transaction data into a bitmap, a compressed bitmap, an encrypted compressed bitmap, and an encrypted compressed bitmap tagged with information identifying the place and time of input transaction data, and saving the tagged encrypted compressed bitmap, the input and transfer step being carried out at a variety of remote locations, the collection step, the sample booting, forwarding and saving is carried out in many of the central points and includes the steps of interrogating remote points to obtain transaction data via servers in central points, storing transaction data in a central point in hierarchical memory by storing the last transaction data in the main memory, and other transaction data in auxiliary memory, and dynamic distribution of servers in a central location to receive fragments of transaction data to ensure uniform distribution of transaction data among servers and generating reports from transaction data and outputting data to application programs, the saving step further comprising the steps of subdividing the saved transaction data using predefined templates on the panel and identifying the location of the panels, as well as, if necessary, a control stage for error correction in the panels of saved transaction data. 15. Способ по п. 14, отличающийся тем, что этап управления вводом и пересылкой обеспечивает ввод электронных транзакций с кредитных карточек, интеллектуальных карточек и дебетовых карточек, данных подписи или биометрических данных, причем способ дополнительно включает этапы инициирования электронной транзакции, ввода данных подписи, ввода биометрических данных и распечатки бумажных транзакций с глифами данных для инициированной электронной транзакции. 15. The method according to p. 14, characterized in that the step of controlling the input and transfer provides the input of electronic transactions from credit cards, smart cards and debit cards, signature data or biometric data, the method further comprising the steps of initiating an electronic transaction, entering signature data, entering biometric data and printing paper transactions with data glyphs for an initiated electronic transaction. 16. Способ по п. 13, отличающийся тем, что дополнительно включает этапы опроса удаленных пунктов для получения введенных электронных данных, введенных данных подписей и введенных биометрических данных с помощью серверов в центральных пунктах, сравнения введенных данных подписей и введенных биометрических данных с сохраненными данными подписей и сохраненными биометрическими данными соответственно для проверки идентификации, при этом этап передачи данных транзакций включает этапы передачи данных в пределах удаленных пунктов, передачи данных от каждого удаленного пункта к соответствующему центральному пункту и передачи данных в пределах центральных пунктов, причем этап передачи данных от каждого удаленного пункта к соответствующему центральному пункту включает этапы соединения каждого удаленного пункта с соответствующим центральным пунктом и соединения каждого центрального пункта с соответствующими удаленными пунктами. 16. The method according to p. 13, characterized in that it further includes the steps of interrogating remote locations to obtain entered electronic data, entered signature data and entered biometric data using servers at central points, comparing entered signature data and entered biometric data with stored signature data and stored biometric data, respectively, to verify identification, wherein the step of transmitting transaction data includes the steps of transmitting data within remote locations, transmitting nnyh from each remote location to corresponding central point and the data within the central claims, wherein the step of transmitting data from each remote location to corresponding central point comprises the steps of connecting each remote location to corresponding central point and connecting each central location to corresponding remote locations. 17. Способ по п. 16, отличающийся тем, что дополнительно включает этапы сбора и пересылки данных электронных или бумажных транзакций в промежуточные пункты, управления сбором и пересылкой данных транзакций и передачи данных транзакций в пределах промежуточного пункта и между промежуточными пунктами и удаленными пунктами и центральными пунктами, причем этап управления сбором и пересылкой включает этапы опроса удаленных пунктов для получения данных транзакций с помощью серверов в промежуточных пунктах, сохранение данных транзакций в промежуточных пунктах в требуемой форме путем сохранения данных транзакций в главной памяти иерархической памяти и резервного сохранения данных транзакций во вспомогательной памяти иерархической памяти и динамического распределения серверов для приема фрагментов данных транзакций для обеспечения равномерного распределения данных транзакций среди серверов. 17. The method according to p. 16, characterized in that it further includes the steps of collecting and sending electronic or paper transaction data to intermediate points, managing the collection and transfer of transaction data and transferring transaction data within the intermediate point and between intermediate points and remote points and central points, and the collection and forwarding control stage includes the steps of polling remote points to receive transaction data using servers at intermediate points, saving transaction data in daily points in the required form by storing the transaction data in the main memory of the hierarchical memory and backing up the transaction data in the auxiliary memory of the hierarchical memory and dynamically distributing the servers to receive fragments of transaction data to ensure uniform distribution of transaction data among the servers. 18. Способ по п. 17, отличающийся тем, что этап передачи данных транзакций включает этапы передачи данных в пределах удаленных пунктов, передачи данных от каждого удаленного пункта к соответствующему промежуточному пункту, передачи данных в пределах промежуточных пунктов, передачи данных от каждого промежуточного пункта к соответствующим центральным пунктам и передачи данных в пределах центральных пунктов. 18. The method according to p. 17, characterized in that the step of transmitting transaction data includes the steps of transmitting data within remote locations, transmitting data from each remote location to a corresponding intermediate location, transmitting data within intermediate locations, transmitting data from each intermediate location to relevant central points and data transfers within central points. 19. Способ по п. 18, отличающийся тем, что этап передачи данных от каждого удаленного пункта к соответствующим промежуточным пунктам включает этапы соединения каждого удаленного пункта с соответствующим промежуточным пунктом и соединения промежуточных пунктов с соответствующими удаленными пунктами, при этом этап передачи данных от каждого промежуточного пункта к соответствующим центральным пунктам включает этапы соединения каждого промежуточного пункта с внешней коммуникационной сетью и соединения соответствующих центральных пунктов с коммуникационной сетью. 19. The method according to p. 18, characterized in that the step of transferring data from each remote point to the corresponding intermediate points includes the steps of connecting each remote point to the corresponding intermediate point and connecting the intermediate points to the corresponding remote points, the step of transmitting data from each intermediate paragraph to the corresponding central points includes the steps of connecting each intermediate point with an external communication network and connecting the corresponding central points in a communications network. 20. Способ по п. 19, отличающийся тем, что этап передачи данных от каждого промежуточного пункта к соответствующим центральным пунктам включает этапы упаковки данных транзакций в кадры и передачи кадров через внешнюю коммуникационную сеть. 20. The method according to p. 19, wherein the step of transferring data from each intermediate point to the corresponding central points includes the steps of packing transaction data into frames and transmitting frames through an external communication network. 21. Способ по п. 13, отличающийся тем, что этап ввода включает ввод изображения данных бумажных транзакций, причем данные транзакций включают идентификационный номер банка плательщика, номер маршрутизации банка плательщика, информацию маршрутизации банка плательщика, номер счета плательщика, чек плательщика, переводный вексель банка плательщика, сумму чека, идентификационный номер банка получателя платежа, информацию маршрутизации банка получателя платежа и номер счета получателя платежа, при этом этап пересылки включает пересылку введенного изображения данных бумажных транзакций, а этап передачи включает шифрование информации идентификации подсистемы и данных транзакций и передачу информации идентификации подсистемы и данных транзакций. 21. The method according to p. 13, characterized in that the input step includes inputting an image of paper transaction data, the transaction data including the payer's bank identification number, payer's bank routing number, payer's bank routing information, payer's account number, payer's check, bank bill of exchange payer, check amount, payee bank identification number, payee bank routing information and payee account number, the transfer step includes sending image of paper transaction data, and the transfer step includes encrypting subsystem identification information and transaction data and transmitting subsystem identification information and transaction data. 22. Способ по п. 21, отличающийся тем, что этап ввода включает ввод изображения чеков, этап пересылки включает пересылку введенного изображения чеков и этап передачи включает шифрование информации идентификации подсистемы и данных транзакций, проверку данных транзакций с чека и передачу информации идентификации подсистемы и данных транзакций. 22. The method according to p. 21, characterized in that the input stage includes entering the image of the checks, the transfer stage includes sending the entered image of the checks and the transfer stage includes encrypting the identification information of the subsystem and transaction data, checking transaction data from the check and transmitting the identification information of the subsystem and data transactions. 23. Коммуникационная сеть для передачи данных в пределах и между одной или несколькими удаленными подсистемами, по меньшей мере одной промежуточной системой и по меньшей мере одной центральной системой, отличающаяся тем, что подсистемы образуют уровневую архитектуру, каждая из, по меньшей мере одной, центральных подсистем обработки данных осуществляет связь с соответствующими некоторыми из, по меньшей мере одной, подсистемами сбора данных, и каждая из, по меньшей мере одной, подсистем сбора данных осуществляет связь с соответствующими некоторыми из одной или нескольких подсистем обработки данных, при этом сеть содержит по меньшей мере одну первую локальную сеть для передачи данных в пределах соответствующей одной из упомянутых одной или нескольких удаленных подсистем, по меньшей мере одну вторую локальную сеть для передачи данных в пределах соответствующей одной из, по меньшей мере одной, промежуточных подсистем, по меньшей мере одну третью локальную сеть для передачи данных в пределах соответствующей одной из, по меньшей мере одной, центральных подсистем и по меньшей мере одну глобальную сеть для передачи данных между одной или несколькими удаленными подсистемами, по меньшей мере одной промежуточной подсистемой и по меньшей мере одной центральной подсистемой. 23. A communication network for transmitting data within and between one or more remote subsystems, at least one intermediate system and at least one central system, characterized in that the subsystems form a tier architecture, each of at least one central subsystem the data processor communicates with the corresponding some of the at least one data collection subsystems, and each of the at least one data collection subsystems communicates with the corresponding non which of one or more data processing subsystems, the network contains at least one first local area network for transmitting data within the corresponding one of the one or more remote subsystems, at least one second local area network for data transmission within the corresponding one of at least one of the intermediate subsystems, at least one third of the local area network for data transmission within the corresponding one of the at least one central subsystem and at least Leray one wide area network for transmitting data between one or more remote subsystems, at least one intermediate subsystem and at least one central subsystem. 24. Коммуникационная сеть по п. 23, отличающаяся тем, что дополнительно содержит по меньшей мере один первый модем для соединения по меньшей мере одной первой локальной сети одной или нескольких удаленных подсистем с соответствующей одной из, по меньшей мере одной, вторых локальных сетей через, по меньшей мере одну, глобальную сеть и по меньшей мере один набор модемов для соединения по меньшей мере одной второй локальной сети по меньшей мере одной промежуточной подсистемы с соответствующими некоторыми из, по меньшей мере одной, первых локальных сетей одной или нескольких удаленных подсистем через, по меньшей мере одну, глобальную сеть по меньшей мере один маршрутизатор первой глобальной сети для соединения соответствующей одной из, по меньшей мере одной, вторых локальных сетей по меньшей мере одной промежуточной подсистемы с, по меньшей мере одной, глобальной сетью и по меньшей мере один маршрутизатор второй глобальной сети для соединения соответствующей одной из, по меньшей мере одной, третьих локальных сетей по меньшей мере одной центральной подсистемы с, по меньшей мере одной, глобальной сетью. 24. The communication network according to p. 23, characterized in that it further comprises at least one first modem for connecting at least one first local network of one or more remote subsystems with the corresponding one of the at least one second local area network, at least one global network and at least one set of modems for connecting at least one second local network of at least one intermediate subsystem with the corresponding some of at least one first locale networks of one or more remote subsystems via at least one global network, at least one router of the first global network for connecting the corresponding one of at least one second local area network of at least one intermediate subsystem with at least one , a global network and at least one router of the second global network for connecting the corresponding one of at least one third local area network of at least one central subsystem to at least discharge, a wide area network. 25. Коммуникационная сеть по п. 24, отличающаяся тем, что по меньшей мере одна первая глобальная сеть и по меньшей мере одна вторая глобальная сеть включают в себя глобальную сеть каналов, использующих ретрансляцию кадров для передачи данных транзакций. 25. The communication network according to claim 24, characterized in that at least one first global network and at least one second global network include a global network of channels using frame relay to transmit transaction data. 26. Коммуникационная сеть по п. 25, отличающаяся тем, что по меньшей мере одна вторая локальная сеть и по меньшей мере одна третья локальная сеть дополнительно содержат соответствующий один из, по меньшей мере одного, сетевых коммутаторов для маршрутизации данных транзакций в пределах по меньшей мере одной второй локальной сети и по меньшей мере одной третьей локальной сети, причем данные включают (а) электронные транзакции с кредитных карточек, интеллектуальных карточек и дебетовых карточек, данные подписей или биометрические данные или (b) бумажные транзакции из документов. 26. The communication network according to p. 25, characterized in that at least one second local area network and at least one third local area network further comprise a corresponding one of at least one network switch for routing data transactions within at least one second local area network and at least one third local area network, the data including (a) electronic transactions from credit cards, smart cards and debit cards, signature data or biometric data, or (b) paper transactions from documents. 27. Коммуникационная сеть по п. 23, отличающаяся тем, что удаленные подсистемы включают в себя удаленные подсистемы обработки данных, промежуточные подсистемы включают в себя промежуточные подсистемы сбора данных, подсистема обработки данных включает в себя подсистему формирования изображений для ввода изображений чеков и данные включают идентификационный номер банка плательщика, номер маршрутизации банка плательщика, информацию маршрутизации банка плательщика, номер счета плательщика, чек плательщика, переводный вексель банка плательщика, сумму чека, идентификационный номер банка получателя платежа, информацию маршрутизации банка получателя платежа и номер счета получателя платежа. 27. The communication network according to claim 23, wherein the remote subsystems include remote data processing subsystems, the intermediate subsystems include intermediate data collection subsystems, the data processing subsystem includes an imaging subsystem for inputting receipt images, and data includes an identification payer's bank number, payer's bank routing number, payer's bank routing information, payer's account number, payer's check, payer's bank bill account, check amount, payee bank identification number, payee bank routing information, and payee account number. 28. Коммуникационная сеть по п. 27, отличающаяся тем, что подсистема обработки данных дополнительно содержит удаленные подсистемы доступа к данным для проверки чеков. 28. The communication network according to claim 27, characterized in that the data processing subsystem further comprises remote data access subsystems for checking checks. 29. Способ передачи данных в пределах и между одной или несколькими удаленными подсистемами, по меньшей мере одной промежуточной подсистемой и по меньшей мере одной центральной подсистемой, при котором данные передаются по уровням, при этом каждая из центральных подсистем осуществляет связь по меньшей мере с одной промежуточной подсистемой, и каждая из промежуточных подсистем осуществляет связь по меньшей мере с одной удаленной подсистемой, включающий этапы ввода данных, передачи данных в пределах удаленных пунктов, передачи данных от каждого удаленного пункта к соответствующему промежуточному пункту передачи данных в пределах промежуточных пунктов, передачи данных от каждого промежуточного пункта к соответствующим центральным пунктам и передачи данных в пределах центральных пунктов. 29. A method of transmitting data within and between one or more remote subsystems, at least one intermediate subsystem and at least one central subsystem, in which data is transmitted in layers, each of the central subsystems communicating with at least one intermediate subsystem, and each of the intermediate subsystems communicates with at least one remote subsystem, including the steps of entering data, transmitting data within remote locations, transferring data from to Each remote point to the corresponding intermediate point of data transfer within the intermediate points, data transmission from each intermediate point to the corresponding central points and data transmission within the central points. 30. Способ по п. 29, отличающийся тем, что этап передачи данных от каждого удаленного пункта к соответствующим промежуточным пунктам включает этапы соединения каждого удаленного пункта с соответствующим промежуточным пунктом и соединения каждого промежуточного пункта с соответствующими удаленными пунктами. 30. The method according to p. 29, wherein the step of transferring data from each remote point to the corresponding intermediate points includes the steps of connecting each remote point to the corresponding intermediate point and connecting each intermediate point to the corresponding remote points. 31. Способ по п. 30, отличающийся тем, что этап передачи данных от каждого промежуточного пункта к соответствующим центральным пунктам включает этапы соединения каждого промежуточного пункта с внешней коммуникационной сетью и соединения соответствующих центральных пунктов с внешней коммуникационной сетью. 31. The method according to p. 30, wherein the step of transmitting data from each intermediate point to the corresponding central points includes the steps of connecting each intermediate point with an external communication network and connecting the corresponding central points with an external communication network. 32. Способ по п. 31, отличающийся тем, что этап передачи данных от каждого промежуточного пункта к соответствующим центральным пунктам включает этапы упаковки данных транзакций в кадры и передачи кадров через внешнюю коммуникационную сеть. 32. The method according to p. 31, characterized in that the step of transmitting data from each intermediate point to the corresponding central points includes the steps of packing transaction data into frames and transmitting frames through an external communication network. 33. Способ по п. 29, отличающийся тем, что данные получают из (а) электронных транзакций с кредитных карточек, интеллектуальных карточек и дебетовых карточек, данных подписей или биометрических данных или (b) бумажных транзакций из документов. 33. The method according to p. 29, wherein the data is obtained from (a) electronic transactions from credit cards, smart cards and debit cards, signature data or biometric data, or (b) paper transactions from documents. 34. Способ по п. 29, отличающийся тем, что этап ввода данных включает ввод изображения чеков и выделение из них данных, этап выделения включает проверку выделенных данных чеков. 34. The method according to p. 29, wherein the step of entering data includes entering an image of checks and extracting data from them, the selection step includes checking the selected data of checks. 35. Способ по п. 29, отличающийся тем, что этап ввода включает ввод изображения чеков и выделения из них данных, а данные включают идентификационный номер банка плательщика, номер маршрутизации банка плательщика, информацию маршрутизации банка плательщика, номер счета плательщика, чек плательщика, переводный вексель банка плательщика, сумму чека, идентификационный номер банка получателя платежа, информацию маршрутизации банка получателя платежа и номер счета получателя платежа,
36. Способ по п. 35, отличающийся тем, что этап ввода данных дополнительно включает этап сравнения введенных электронных данных с сохраненными электронными данными, а этап управления сбором, обработкой, пересылкой и сохранением дополнительно включает этап выполнения бумажной транзакции путем перевода фондов электронным путем от банка плательщика в банк получателя платежа.35. The method according to p. 29, characterized in that the input stage includes entering the image of the checks and extracting data from them, and the data includes the identification number of the payer bank, the routing number of the payer bank, the routing information of the payer bank, the payer's account number, the payer's check, transfer payer's bank bill, check amount, payee’s bank identification number, payee’s bank routing information and payee’s account number,
36. The method according to p. 35, characterized in that the data entry step further includes a step of comparing the entered electronic data with the stored electronic data, and the step of controlling the collection, processing, transfer and storage of additionally includes the step of performing a paper transaction by transferring funds electronically from the bank payer to the bank of the payee.
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