RU2165679C1 - Telecommunication-network pay-service system (alternatives) - Google Patents

Abstract

FIELD: commercial activity means used to pay for various commodities and services. SUBSTANCE: proposed system can be used to pay for various commodities and services using Global Internet through general agents to ensure confidentiality of users' accounts and other private pieces of information unambiguously identifying the user in real-time purchasing of commodities and services. Access to pay-services is rendered immediately as soon as customer addresses pay-system server. System built according to each of proposed alternatives has users' terminals, at least one salesman's server, payment system server, and telephone communication network. Alternatives differ in switching facilities incorporated in them and in functions of their components. EFFECT: facilitated payment for services and provision for its confidentiality. 33 cl, 7 dwg

Description

 The system relates to electronic business tools and can be used to pay for various goods and services of communication network users, including the global network, through trusted agents to ensure the secrecy of user accounts when paying and purchasing electronic goods or services in real time.

State of the art
Various electronic payment systems are known, including in telecommunication networks. A known system for making payments through a telecommunications network, made with the ability to provide the user access to the server of the communication network to obtain information about goods and services. The network may be, for example, the Internet. Using a personal computer, the user can access the provider's website to view details of bill payment. The system also involves the user receiving an electronic invoice in the form of an email, information regarding goods and services, to his email address. After opening an account, the user can make a payment by sending an email. At the same time, to pay for services, it is necessary to open a current account for prepayment of a service or product. At the same time, the user is forced to resort to the services of third parties, mail, banks, etc., which complicates the payment for services (US 5699528 A1, G 06 F 17/00, 04/05/94).

 A well-known system of remote financial customer service for making cashless payments in the telecommunications network, in particular servicing accounts, using the so-called "provider firms" related to the service area, and performing one-time payments for the client from his account on behalf of the client (US 5383113 A1, G 06 F 15/21, 06/17/95).

 Periodically, the company issues an invoice to the client for the total amount of payments made at the initiative of the client. The system includes the use of a database of financial organizations containing information on the status of customer accounts of a provider company, the use of a database containing information on payees from a client, as well as the payments themselves, a means of communication between the client and the central processing device of the provider, and a central processing device management program designed to analyze customer instructions received through a telecommunications network, a means for periodically billing a customer rovayderskoy firm.

 Known telecommunications system that provides authorization of payments of subscribers and is intended for communication between the base station and subscribers of the telephone network. The system includes means for identifying the user by the keyword generated by the subscriber during his call for the service and transferring it to an authorized identifiable subscriber number, means for identifying the keyword, decrypting the function code F with the addition of the subscriber’s secret key and transmitting this keyword to the first means of identification , which ultimately makes a payment in the system if authorization is not confirmed by check (US 5301234 A1, H 04 L 9/32, 04/05/94).

 A known system for making payments in a communication network using a trusted agent, containing the terminals of the buyer and seller, the system allows you to safely exchange payments for electronic purchases, while the buyer and seller complete the transaction through an electronic system. A trusted agent is an electronic processing device that is a combination of hardware and software. The device provides security for protocols that interact with money modules to synchronize secure payment and delivery. Money modules are data processing devices that can store and transfer electronic money; they are also able to establish cryptographically secure communication sessions with other devices. Trusted agents exchange electronic goods and payments (RU 2136042 C1, G 06 F 17/60 // G 06 F 157/00, 08.27.99).

 There is a known system for providing paid services in a communication network, which provides a group of services “call for an additional fee” - “Premium rate service” (ITU-TSS recommendations for telecommunications E.155 “International premium rate service”), while the caller, in addition to the fee for access (local, long-distance or international) the account includes an additional fee for the provided service (entertainment, consulting, information, etc.). The system includes switching nodes (automatic telephone exchanges - automatic telephone exchanges) installed in the public switched telephone network (PSTN) and connected to payment centers that charge for telephone services, a special device called the "Intelligent Platform" or the IN platform - "Intelligent Network "(ITU-TSS recommendations for telecommunications Q.1211 - Q.1219), which allocates and commutes (connects) calls coming from the public telephone network with the code of the requested service in the form of a specific phone number. (Yu. A. Semenov, “Internet Protocols and Resources,” Radio and Communications, Moscow, 1996; Yu. A. Semenov, “Internet Networks. Architecture and Protocols,” Sirin, Moscow, 1998).

 Known payment systems are based on the fact that payments are made from the accounts of subscribers (buyers), which is a certain difficulty when paying, because it is necessary to ensure the connection of the buyer’s account with the seller’s account to provide paid services. In addition, there are customers who, for whatever reason, do not want to open their accounts in the system and / or use the services of banks or other institutions to transfer payments to the seller’s account. All this complicates the payment procedure and takes time to make the payment itself in order to access the service in the communication network.

 Closest to the claimed system is a system for providing paid services in a telecommunication network, containing user terminals (4.1, ..., 4.n), resource sellers servers (6.1, ..., 6.n) and providers having servers connected with the specified telecommunication network, the system also has access to the public telephone network.

 A system that implements the method described in the application provides for the conclusion of an agreement between an Internet access provider (provider server) and a user, and an agreement between an access provider (provider server) and a resource seller server. Under the terms of the agreement, the provider's server bills the user (buyer) and transfers it to the seller’s server of goods and services offered via the Internet, which, in turn, upon receipt of payment data provides the user (buyer) with access to the service.

 In this system, the user (buyer) orders a service (product) via the Internet, information about the transaction is transmitted to the supplier (provider’s server). Then the supplier invoices the amount of the transaction to the user (buyer), transfers part of the amount to the seller, keeping the difference in the quality of the service fee.

 The well-known system for the provision of paid services involves the payment of services provided to the customer by transferring the amount of payment for the service to the accounts of service sellers, which greatly simplifies access to the server of the service seller to the user (buyer). A provider in a known system is designed to make payments for a service, i.e. is a payment system.

 After the transfer of funds, the seller’s server communicates with the subscriber (buyer) at the address provided by the provider and will provide access to resources.

 However, the customer’s waiting time for access to this system can also be significant, since it takes time to transfer the amount of payment for services to the seller’s account by the provider (provider) and invoice the buyer. (WO 97/03410 A1, G 06 F 17/60, 01/30/1997).

 The technical result of the proposed system is the simplification of payments for services in a telecommunication network, for example, on the Internet. In the proposed system, access to paid services can be made almost immediately after contacting the server of the payment system, payment is carried out at the expense of the payment system itself, the services of which the buyer is contacting. The system ensures the confidentiality of payments of its customers, as it pays for the services provided to customers by sellers of services through its payment channels. Exchange of customer (user) codes via the Internet and a physical telephone channel can also exclude unfair access to resources.

 In addition, the system uses a standard automated system for calculating the services of the public telephone network and billing using this system using the subscriber telephone number of the public telephone network of the buyer of resources from a seller located on the Internet.

 The technical result is achieved in that in a system for providing paid services in a telecommunication network containing user terminals, at least one resource seller server and a payment system server associated with a telecommunication network, and a public switched telephone network (PSTN), user terminals are made with the ability to connect to a telecommunication network and connect to the PSTN as subscribers of the specified network, the system contains a means of switching user terminals to the server of the payment system, installed in PSTN and intended for connecting user terminals through PSTN switching nodes with a payment system server, a payment system server is designed to assign a payment system code to a telecommunication network user, transfer the specified code via the telecommunication network to the specified user terminal, receive the specified from the corresponding specified terminal via PSTN code, comparing the transmitted and received codes and providing access to the seller’s server based on the results of comparing the specified code s, and the indicated switching means is connected with PSTN switching nodes configured to provide control over communication sessions of PSTN subscribers connected by the switching means to the payment system server for billing the specified subscribers with an automated system for calculating PSTN services for the specified communication sessions.

 In addition, the payment system server contains means for assigning a payment system code to the user of the telecommunication network, consisting of a transceiver, the first input - the output of which is connected via the telecommunication network to the indicated terminals, the second input - the output is connected to the input - the output of the encoder, the output of which and the third input - the output of the transceiver is connected to random access memory (RAM), a means for receiving and transmitting messages via PSTN designed for exchanging messages on PSTN between user terminals firs and specified server through the established PSTN and said interconnected switching nodes, and switching means, said output means and the RAM are connected to the comparison output unit, the output of which is connected with means providing access to the seller's resources.

 At the same time, the means of providing access to the seller’s resources is connected with the seller’s resource database of the payment system server with the possibility of reading the corresponding information service or resource from the specified database and transmitting via the indicated transceiver the means of assigning the payment system code to the user via the telecommunication network to the user terminal.

 The means of providing access to the seller’s resources is intended to provide the address of the location of the user of the information service or resource on the seller’s server and is connected via the specified transceiver of the means of assigning the user a payment system code to the user terminal for transmitting the specified address to the user terminal via the telecommunication network.

 A telecommunications network may be the global Internet.

 The technical result of the second embodiment is achieved by the fact that the system for providing paid services in a telecommunication network comprising user terminals, at least one resource seller server and a payment system server associated with a telecommunication network, and a public switched telephone network (PSTN) with telephone subscriber units of the specified network, contains means for switching telephone sets of PSTN subscribers to the payment system server installed in the PSTN and designed to connect bodies subscribers' phones through PSTN switching nodes with the payment system server, the payment system server is designed to record and store the payment system code transmitted through the PSTN from the PSTN subscriber, received by the subscriber, receive the specified code from the corresponding user terminal over the telecommunication network, compare the transmitted and received codes and providing access to the seller’s server according to the results of comparison of the indicated codes, and the indicated switching means is connected with PSTN switching nodes made with POSSIBILITY provide control over sessions PSTN subscribers, connected to the switching means of the payment system server for billing subscribers specified automated system PSTN service payments for these sessions.

 In addition, the server of the payment system includes means for receiving from the PSTN subscriber a payment system code consisting of a transceiver, the first input - the output of which is connected to the specified switching means, the second input - the output of which is connected to random access memory (RAM), the third input - the output is connected with a sound notification block for receiving a payment system code, a means for receiving and transmitting messages over a telecommunication network, intended for exchanging messages with user terminals and a specified server, exit otorrhea, and a RAM connected to the output of the comparison unit, whose output is connected with means providing access to the seller's resources.

 Also, the means of providing access to the seller’s resources is connected with the seller’s resource database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit it using the specified means of receiving and transmitting messages over the telecommunication network to the user terminal.

 In addition, the means of providing access to the seller’s resources is intended to provide the address of the location of the resource of interest to the user on the seller’s server and is associated with the means for receiving and transmitting messages over the telecommunication network, designed to transmit the specified address to the user terminal.

 Also, the telecommunications network is the global Internet.

 In addition, to the specified means of switching connected to the playback unit of the audio message confirming the connection of the telephone of the subscriber with the payment system.

 The technical result of the third embodiment is achieved by the fact that the system of providing paid services in a telecommunication network comprising user terminals, at least one resource seller server and a payment system server associated with a telecommunication network, and a public switched telephone network (PSTN) with telephone subscriber units of the specified network, contains means for switching telephone sets of PSTN subscribers to the payment system server installed in the PSTN and designed to connect those subscriber’s devices through PSTN switching nodes with a payment system server, the payment system server is designed to assign a payment system code to a user, transfer the specified code via a telecommunication network to a user’s terminal, receive the specified code via PSTN from a PSTN subscriber’s telephone, compare the transmitted and the received codes and providing access to the seller’s server according to the results of the comparison of the indicated codes, and the indicated switching means is connected with the comm nodes tation PSTN, adapted to provide control over sessions PSTN subscribers, connected to the switching means of the payment system server for billing subscribers said the automated system of calculations PSTN services for these sessions.

 In addition, the payment system server contains a means of assigning a payment system code to the user, consisting of a transceiver, the first input - the output of which is connected via the telecommunication network to the indicated terminals, the second input - the output is connected to the input - output of the encoder, the output of which and the third input - the output of the transceiver connected to random access memory (RAM), a means for receiving and transmitting messages via PSTN designed to exchange messages of PSTN subscribers with the specified server, the output of which and the output of OZ connected to the comparison unit, the output of which is connected to a means of ensuring access to Seller Resources. The specified server also contains a sound notification unit for receiving the payment system code, the output of which is connected to the corresponding input of the means for receiving and transmitting messages via PSTN.

 Also, the means of providing access to the seller’s resources is connected with the seller’s resource database of the payment system server with the possibility of reading the corresponding information service or resource from the specified database and transmitting via the indicated transceiver the means of assigning the payment system code to the user via the telecommunication network to the user terminal.

 In addition, the means of providing access to the seller’s resources is intended to provide the address of the location of the resource of interest to the user on the seller’s server and is connected through the specified transceiver of the means of assigning the user a payment system code to the user terminal for transmitting the specified address to the user terminal via the telecommunication network.

 Also, the telecommunications network is the global Internet.

 In addition, to the specified means of switching connected to the playback unit of the audio message confirming the connection of the telephone of the subscriber with the payment system.

 The technical result of the fourth embodiment is achieved by the fact that the system of providing paid services in a telecommunication network comprising user terminals, at least one resource seller server and a payment system server associated with a telecommunication network, and a public switched telephone network (PSTN) with telephone subscribers of the specified network, contains means for switching telephone sets of PSTN subscribers to the payment system server installed in the PSTN and designed to connect subscribers' telephones through PSTN switching nodes with the payment system server, the payment system server is designed to record and store the payment system code generated by the user transmitted via the telecommunication network from the user terminal, receive the specified PSTN code from the PSTN subscriber telephone, and compare the transmitted and received codes and providing access to the seller’s server according to the results of comparing the indicated codes, and the indicated switching means is connected with the PSTN switching nodes, with the ability to provide control over communication sessions of PSTN subscribers connected by a switching tool to a payment system server for billing said subscribers with an automated system for calculating PSTN services for specified communication sessions.

 In addition, the payment system server contains a transceiver, the first input - the output of which is connected via a telecommunication network to user terminals, the second input - the output is connected to the first input - the output of random access memory (RAM), a means for receiving and transmitting messages via PSTN, intended for exchange PSTN messages between telephone sets of PSTN subscribers through the specified switching nodes and the switching means and the specified server installed in the PSTN and the specified server, one output of the specified funds are connected with RAM, another output and output of RAM are connected to a comparison unit, the output of which is connected to a means of providing access to seller’s resources.

 Also, the means of providing access to the seller’s resources is connected with the seller’s resource database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit it through the specified transceiver over the telecommunication network to the user terminal.

 In addition, the means of providing access to the seller’s resources is intended to provide the address of the location of the user of the information service or resource on the seller’s server and is connected through the specified transceiver to the user terminal for transmitting the specified address to the user terminal via the telecommunication network.

 Also, the telecommunications network is the global Internet.

 In addition, to the specified means of switching connected to the playback unit of the audio message confirming the connection of the telephone of the subscriber with the payment system.

 The technical result according to the fifth embodiment is achieved by the fact that in the system of providing paid services in a telecommunication network containing user terminals, at least one resource seller server and a payment system server associated with a telecommunication network, and a public switched telephone network (PSTN), user terminals are configured to connect to a telecommunication network and connect to the PSTN as subscribers of the specified network, the system contains a means for switching user terminals to the payment system server installed in the PSTN and designed to connect user terminals through PSTN switching nodes with the payment system server, the payment system server is designed to record and store the payment system code generated by the user transmitted via the telecommunication network from the user terminal, receiving from the corresponding user terminal the specified PSTN code, comparing the transmitted and received codes and providing access to the seller’s server according to the results of the comparison associated codes, and said switching means connected to the PSTN switching nodes adapted to provide control over sessions PSTN subscribers, connected to the switching means of the payment system server for billing subscribers specified automated system PSTN service payments for these sessions.

 In addition, the payment system server contains a transceiver, the first input - the output of which is connected via a telecommunication network to user terminals, the second input - the output is connected to the first input - the output of random access memory (RAM), a means for receiving and transmitting messages via PSTN, intended for exchange PSTN messages between the respective PSTN subscriber terminals through the specified PSTN and related switching nodes and the switching tool and the specified server, one output is indicated nnogo means associated with the RAM, the other output and the RAM are connected to the comparison unit, whose output is connected with means providing access to the seller's resources.

 Also, the means of providing access to the seller’s resources is connected with the seller’s resource database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transfer funds via the specified transceiver over the telecommunication network to the user terminal.

 In addition, the means of providing access to the seller’s resources is intended to provide the address of the location of the user of the information service or resource on the seller’s server and is connected through the specified transceiver to the user terminal for transmitting the specified address to the user terminal via the telecommunication network.

 Also, the telecommunications network is the global Internet.

 In FIG. 1 shows a functional diagram of the claimed system according to the first embodiment.

 In FIG. 2 is a diagram of the switching of PSTN subscribers with a device 16 for determining the presence of communication between PSTN subscribers, determining subscriber numbers and allocating a service code.

 In FIG. 3 shows the switching scheme of PSTN subscribers through the corresponding switching node 8 and switching means 5 to the server 6 of the payment system.

 In FIG. 4 shows a functional diagram for the second embodiment of the claimed system.

 In FIG. 5 shows a functional diagram for a third embodiment of the claimed system.

 In FIG. 6 is a functional diagram for a fourth embodiment of the claimed system.

 In FIG. 7 shows a functional diagram for a fifth embodiment of the claimed system.

 The first to fifth system (Figs. 1, 4, 5, 6, 7) of the implementation options includes terminals 1.1-1.n of users of the telecommunication network 3, in particular, personal computers connected via a modem (not shown) to the network 3. The network may be the Internet or another telecommunications network. Users of network 3 are simultaneously subscribers of the public switched telephone network 4 (PSTN) and can connect to network 4 via telephones (not shown in Fig. 1) and / or modems of a PC (personal computers) (not shown in the drawing). The terminals 1 of users (subscribers) according to the first and fifth implementation options are configured to connect to both a telecommunication network of the Internet type and a public telephone network using modems, or to connect, in particular, to the Internet via dedicated channels, with this work in PSTN can also be performed by the user autonomously using a telephone with the ability to tone dialing.

 Obviously, when using the same telephone wires or telephone communication channels in the public switched telephone network 4 (PSTN) and in the Internet telecommunication network, any known methods of message separation can be used to separate the use of these networks, for example, switching channels of the public telephone network ( i.e. using a data transmission channel until the connection is open at the physical level) or switching messages on the Internet (i.e., creating a physical a channel between terminal equipment is not necessary and messages are sent on the Internet without violating their integrity, instead of a physical channel there is a virtual channel consisting of physical sections, and message buffering is possible between sections), or packet switching (the message is transmitted via a virtual channel, but it is divided into packets), i.e. choosing one or another type of signal separation for messaging (see Norenkov I.P. et al., "Telecommunication Technologies and Networks", Moscow, MSTU named after N.E.Bauman, 1998, pp. 11-15).

 The system also includes means 5 for switching user terminals (Fig. 3) to the server 6 of the payment system installed on the public telephone network 4 and designed to connect user terminals through the public telephone network to the server of the payment system and which can communicate with the switching nodes 8.1 - 8.n a public telephone network intended for connecting PSTN subscribers and for monitoring communication sessions of subscribers of a public telephone network, including those connected to a server payment systems, with the device 16 determine a connection between the PSTN subscriber, determining subscriber numbers and allocation numbers of said service code. The switching nodes and device 16 are part of the standard automatic long-distance telephone exchanges (AMT).

 The switching means 5 comprises means for determining a logical telephone number of a payment system server associated with means for connecting a subscriber who dialed this number with a payment system server 6, i.e. can also be performed on the basis of automatic telephone exchange.

 As a means of switching 5, SSP switching servers may also be used, including including answering machines when dialing, i.e. when connecting means 5 with the subscriber. SSP switching servers are widely used in intelligent communication networks, i.e. communication networks providing PSTN users access to an expanded set of services.

 Examples of services include call forwarding, determining the number of the caller, receiving voiced information about the cost of the service, etc. (see Norenkov I.P. et al., "Telecommunication Technologies and Networks", Moscow, MSTU named after NE Bauman, 1998, p. 95).

 According to the first embodiment (Fig. 1), the terminals 1 of the users of the telecommunication network are connected through the network 3 to the means 9 for assigning the user of the payment system code to the server 6 of the payment system, whose functions also include sending messages from the server 6 of the payment system through the telecommunication network 3 to the corresponding to terminals 1. The assigned code is, for example, a password and a keyword. The tool 9 includes a transceiver 29 associated with the encoder 30. The server 6 of the payment system also includes a tool 7 for receiving and transmitting messages via PSTN, connected via the switching means 5 and the corresponding node 8.1, installed in the PSTN 4, to the corresponding terminals 1 and intended for receiving the message of the payment system code from the terminal 1 of the user via PSTN received by the user over the telecommunication network 3 from the server of the payment system 6. The tool 7 is connected to RAM (random access memory) 12, one Exit of which is connected to the block 10 of comparison, the other - to the input of means 11 for providing access to the resources of the seller, and the third output is connected with storing and retrieving means 27 codes (addresses) merchants servers, their information service (resource) and cost of services. The tool 7 is also connected to the database 26, with the block 10 comparison. Means 9 and 7 are connected to block 10 for comparing the payment system code assigned to the user in means 9 during the communication of the server 6 with the user terminal 1 through the telecommunication network 3 and the program stored on the user terminal 1. Block 10 comparison is connected to the means 11 for providing access to the resources of the seller. The system also includes switching nodes 8.1, ..., 8.n of the public telephone network installed in the public telephone network 4, intended for communication between subscribers in the public telephone network 4 and connected with the device 16 for determining the existence of communication between subscribers, intended to determine the numbers and service code connected to the automated system 25 for calculating the services of the public telephone network. Switching nodes 8.1-8.n in the public switched telephone network are the so-called automatic long-distance telephone exchanges. (Sokolov N.A. "Subscriber access networks. Principles of construction", Perm, CJSC IG Enter-Profi, 1999). That is, the nodes 8 switching (as mentioned above) are long-distance telephone exchanges ( Automatic telephone exchanges), which connect subscribers to the PSTN and control through the device 16 communication sessions and services, for example, the duration of telephone conversations when connecting subscribers.

 The indicated switching nodes 8.1-8.n are connected to the billing center (not shown) of the standard automated system 25 for calculating PSTN services, which is used to register subscriber connections made by the PSTN to determine the services that were provided to subscribers and calculate the cost of these services at tariffs PSTN and billing subscribers at a postal or other address.

 In FIG. 4 is a functional diagram of a second embodiment of the system.

 It contains the blocks 1-5, 7, 10-12, 16, 25-27, 29 listed in the first embodiment, connected in the same way as in the first embodiment. According to the second option, the user terminals 1.1 - 1.n are personal computers connected to the telecommunication network 3. The system also contains the telephones of subscribers 31.1 - 31.k, which can communicate with the server through PSTN 4 independently of terminals 1.1 - 1.n 6 payment system.

 In this case, in the second embodiment, the switching means 5 also comprises a sound message reproducing unit 32 for confirming the fact of the connection of the subscriber to the payment system server 6, transmitted to the subscriber in sound form. Moreover, the switching means 5 according to the first, second, third, fourth and fifth embodiments may include an automatic telephone number identifier, which can be transmitted to the payment system server 6 after the logical telephone number.

 The means 19 for receiving from the PSTN subscriber the payment system code of the server 6 contains a transceiver 29, the input - output of which is connected to the switching means 5, one output is connected to the RAM 12, and the second output is connected to the sound notification unit 33 of the receipt of the payment system code.

 In FIG. 5 is a functional diagram of a third embodiment of the system.

 It contains all of the blocks listed in the first embodiment, 1-5, 7-12, 16, 25-27, 29, 30, related. In this case, according to the third option, the user terminals 1.1 - 1.n are personal computers connected to the telecommunication network 3. The system also contains the telephones of subscribers 31.1 - 31.k, which can communicate through user terminals 1.1 - 1.n independently through PSTN 4 with server 6 of the payment system.

 In the third embodiment, the switching means 5 comprises an audio message reproducing unit 32 for confirming the fact of the connection of the subscriber to the payment system server 6, transmitted to the subscriber in sound form.

 Server 6 contains means 9 with a transceiver 29 and encoder 30, RAM 12, a comparison unit 10, means 11 for providing access to seller’s resources, database 26 and means 27 for storing and retrieving codes.

 In addition, to the means 7 is connected to the block 33 sound alerts receiving the code of the payment system.

 In FIG. 6 is a functional diagram of a fourth embodiment of the system.

 It contains terminals 1.1 - 1.n of users of the telecommunication network 3, in particular, personal computers connected via a modem (not shown in the drawing) to the network 3. The network may be the Internet or another telecommunication system. The system also contains telephones of subscribers 31.1 - 31.k, which can independently communicate with PSTN 4. Independently from user terminals 1.1 - 1.n. In this case, PSTN 4 can be autonomously performed by a user using a telephone with tone dialing capability.

 PSTN 4 includes switching nodes 8 installed in it with the possibility of establishing communication between subscribers of the network 4, switching means 5 connected to the switching nodes 8, also connected with the device 16 for determining the presence of communication between PSTN subscribers. The system also contains a server 6 of the payment system, including nodes 7, 9, 10, 11, 12, 26, 27 and 29, interconnected as shown above.

 And also to the means 7 is connected to the block 33 of the sound notification of receiving the code of the payment system.

 In FIG. 7 is a functional diagram of a fifth embodiment of a system.

 It contains the above user terminals 1.1 - 1.n, servers 2 sellers, telecommunication network 3, PSTN 4 with nodes 8.1 - 8.n switching, means 5 switching, device 16 for determining the connection between PSTN subscriptions, server 6 of the payment system, including nodes 7, 9, 10, 11, 12, 26, 27 and 29, connected as described above.

 The claimed system according to the first embodiment works as follows. The user, through terminal 1, finds on the Internet the seller’s Web site with paid resources (services or goods), to which he wants to get almost immediate access.

 To provide immediate user services for the provision of information services and other goods in the telecommunication network 3, this system has been created. In the simplest version of customer service, the system includes both organizational procedures and hardware at the physical level. Before starting to work in the market of paid electronic services, between sellers of paid services on the network, for example, the Internet and the payment system, agreements are concluded under which sellers on their Web pages (sites) inform potential buyers, network users about the possibility of paying for their services through the server of the payment system and the procedure for communicating with the seller and with the payment system, if the user wants to use the services of such payment, which provides access to services with minimal waiting time, downtime, etc. The user (potential buyer), having read the terms of payment, can download a program on his PC that provides access to the seller’s resources with the procedure for payment for services offered below.

 The system starts by downloading the program to user terminal 1. Downloading this program can be carried out both from the server 2 of the seller, and from server 6 of the payment system to the personal computer of terminal 1 of the user. Those. There are two options for downloading the program. The procedure for the program download session can be indicated on the seller’s website (server 2) or information on the payment system and the procedure for communicating with it can be provided on the seller’s website, i.e. redirection to the server of the payment system. In this case, by contacting the server 6 of the payment system (the address is indicated on the seller’s website), you can download the program to the personal computer of terminal 1 of the user from the server 6 of the payment system. By downloading the program, the buyer can carry out further actions. The program, overwritten by user 1, informs the user that he can use this service program, and that the start of the program corresponds to the conclusion of a subscription service agreement under the terms of the payment system. In other words, starting to work on the downloaded program, the user agrees that the server 6 of the payment system will provide him with access to information services and / or goods of the seller, obtaining the necessary services and / or goods, and he, in turn, will receive an invoice from the automated payment system 25 PSTN services for access to an information service (obtaining the necessary service and / or goods), will pay it as a regular bill for public telephone network services.

 That is, by running the downloaded program, the user is included in the operation of the payment system server and agrees to its conditions.

 The next step of the program is the receipt by the user of the Internet 3 of the payment system code, for this the program connects the user terminal to the transceiver 29 of means 9 on the Internet 3 and transmits the logical telephone number stored in the program on terminal 1 to server 6 to means 9. The transceiver 29, associated with the encoder 30, transmits the logical telephone number to the encoder 30. The encoder on the received logical telephone number code generates a subscriber code in the payment system, for example, by random stake and transmits it to the RAM 12 for storing and via the transceiver 29 over the Internet 3 to the terminal 1 user where it is stored program. Further, having received the payment system code from server 6 of the payment system over network 3, the program completes the communication step with server 6 over network 3 and switches the modem of terminal 1 of the user who has become a buyer to PSTN 4.

 According to the program, Terminal 1 performs auto-dialing via a modem using the logical telephone number specified in the program downloaded to the user's PC 1. This number includes the service code of facility 5, the server code of the payment system, and the information service code. The structure of this code is such that the switching nodes 8 recognize this number as the code of the switching means that is a PSTN subscriber. This logical telephone number code may also contain other identification codes, for example, a group of information services, type of order, etc.

 Since the logical telephone number, as indicated above, is one of the subscriber numbers in the public telephone network 4, the public telephone network (switching nodes 8) can identify it, control communication sessions, it has a tariff for the public telephone network and he may be billed to the public switched telephone network.

 In other words, if the specified signal corresponding to the logical telephone number of the payment system arrives at one of the switching nodes 8 (the specified number is formed as one of the PSTN subscriber numbers), then the switching node 8 recognizes it and connects the subscriber who dialed this number with the means 5 switching (Fig. 3) Means 5 for the switching node 8 in this case is another conventional PSTN communication node (an intermediate switching node when connecting subscribers).

 When switching nodes 8 switching PSTN 4, i.e. providing communication in PSTN 4, this logical number will be determined by the subscriber’s connection registration device 16 as the number of the network subscriber 4, processed in the settlement center 25 of the public telephone network services and the subscriber will be billed according to the tariff for the service indicated in the logical telephone number, i.e., standard means of payment for PSTN services. So, the corresponding switching node 8 connects the subscriber 1 through the switching means 5 to the payment server 6, which is the same PSTN subscriber for the switching node as other subscribers.

 The logical number dialed by subscriber 1 will be allocated by the switching means 5, since, as indicated above, it includes the service code of the means 5. And the switching means 5, after identifying the service code of the means 5, will connect the user terminal to the server 6 of the payment system.

 The switching means 5, in addition to determining the service code related to this means 5, can also determine the server code of the payment system, the code of the information service, inform the subscriber about dialing into the payment system, etc., i.e. work on SSP, as described above. Further, the indicated means 5, since it is a means of switching, forwards the call (commutes the subscriber line) to the server 6 of the payment system, i.e. connects the terminal 1 of the subscriber (telephone channel) and the server 6 of the payment system.

 The means for receiving and transmitting messages via PSTN 7 through the corresponding switching node 8 and the switching means 5 is connected to the terminal 1 of the calling user and receives the subscriber code in the payment system assigned to the subscriber via the Internet 3, together with the subscriber code in the payment system and a logical phone number dialed by the subscriber. Next, the code message received in the tool 7 is transmitted to the RAM 12 for storage. In the case when along with the logical telephone number the code of the telephone number of the calling subscriber arrives, this code can also be recorded in RAM 12 along with other indicated codes.

 T. about. RAM 12 stores the logical telephone number code containing information about the seller and the service, and the payment system code assigned to the subscriber with this number. In other words, in RAM 12 the indicated codes of logical numbers are stored that contacted the server 6 of the payment system of Internet users 3 and the codes of the payment system assigned to them, which can be addresses for reading subscriber data from RAM 12.

 From this moment, the subscriber is a subscriber of the payment system. After receiving by means of 7 for receiving and transmitting messages via PSTN the code of the payment system from terminal 1, the program recorded on terminal 1 switches the user terminal 1 to work with the Internet 3. Moreover, if the user terminal 1 was initially connected to the seller’s server 2 through an provider (not shown in the drawing), then communication with the seller 2 on the Internet is also restored through this provider, i.e. in a standard way.

 Further, the program downloaded on the terminal 1 carries out the communication step with the server 6 of the payment system to identify the subscriber (buyer) in the network 3.

 The subscriber code received via PSTN in the payment system is sent to the means 7 for receiving and transmitting messages via PSTN 4. This code is transmitted by the means 7 to the comparison unit 10 and to RAM 12 for reading data corresponding to this code from the RAM into the RAM, i.e. recorded during the procedure for assigning the subscriber a payment system code in a communication session with terminal 1 via network 3. RAM 12, upon receipt of this code, transmits data corresponding to this code to comparison unit 10. For simplicity, the same subscriber code is received from RAM 12, since the subscriber code is, on the one hand, the data recorded in RAM, and on the other hand, the address for reading this data (for example, the subscriber code in the payment system) from RAM 12 If the codes coincided in block 10 of the comparison, then a message about this arrives in the tool 11 to provide access to the seller’s resources. The storage and retrieval means 27 stores data on information services and addresses of sellers of these services, which are part of the codes of the logical telephone number. In the case when the user has been identified in the payment system, i.e. in the comparison block 10, the codes coincided, so that he would gain access to the corresponding service of the respective seller, the logical telephone number is transferred from the means 7 to the means 27. In the indicated means 27, the direct address of the seller’s information service is selected by the logical phone number, and from RAM 12 transmit the subscriber code. This data enters the means 11, which forwards the address of the information service through the transceiver 29 and the network 3 to the terminal 1 to provide user access to the services of the seller’s server 2.

 In the case when in block 10 when comparing the codes they are not identified, the downloaded program offers the user to reconnect with the seller’s website on network 3 and repeat the above purchase procedure again. The program also provides for the repetition of certain steps, such as: the phone is busy on the means 5, there is no connection with the subscriber’s provider (user terminal), etc., i.e. the program provides the ability to repeat the steps.

 At the same time, the means 11 for providing access to the seller’s resources, as described above, can work in several scenarios, for example, in the same way as in the prototype, i.e. sends through its dedicated channels a message about the information service, about the user’s terminal and that the service has been paid for by the payment system, and the seller’s server after this message sends the resource of interest to the user.

 One of the options for implementing immediate access may be the following access. For example, a payment system server daily rewrites information resources from servers 2.1,. .., 2.n sellers of services to the database 26 of the payment system (through dedicated channels, not shown in the drawing), systematizes them by sellers and information services, and access to resources stored in database 26 is carried out by transferring from means 11 of the access permission code (if the codes match in block 10), and the device 27 receives data about the seller’s server and services by subscriber’s code in the payment system from RAM 12, which are the address for the corresponding resources (seller’s services) in database 26. Therefore address select data x data service from the base 26 data and transmits the selected information service (resource) through the transceiver 29 to the terminal 1 of the buyer.

 The server 6 of the payment system for all variants of implementation runs under the control of a controller (for simplicity, not shown) connected via control and information buses (not shown) to all blocks of the server 6 of the payment system (7, 10, 11, 12, 26, 27 , 29, 30) according to the algorithms described in this application, respectively, for each implementation option.

 According to the second embodiment (Fig. 4), the system operates as follows.

 User terminals 1.1 are connected to telecommunication network 3, and subscribers can reach the payment system server 6 from any PSTN 4 telephone set, i.e. telephones 31.1 - 31.k and user terminals 1.1 - 1. n are separated. They can even be at a considerable distance from each other. The subscriber who used the information about the paid services provided by the payment system is informed about the rules for generating the payment system code and the procedure for entering it through a telephone with the ability to tone dialing, makes a phone call, dialing the corresponding logical telephone number containing the service code of funds 5, payment server code systems, information service code and the payment system code selected by him from the possible options for setting this code in the information. The switching unit 8 switches the subscriber unit 31.k to the means 5, while in the same way as in the first embodiment, the switching unit 8, when the subscriber 31.k is connected to the means 5, controls the connection, allocates a service code, a communication session duration, etc. P. in order to subsequently bill the service for the subscriber to the phone number from which the call was made. Further, when connecting to the subscriber means 5 switching, i.e. if there is a connection between the subscriber unit 31.k and the means 5, the audio message playback unit 32 can be turned on. At the same time, the recording of an audio message that the subscriber has connected to the server of the payment system and that after a certain sound signal must enter in tone mode enter your own code in the payment system.

 Next, the switching means 5 connects the subscriber’s device 31.k with the transceiver 29 of the server 6. The transceiver 29 of the means 19 allocates the specified logical telephone number, which the subscriber called, and allocates the subscriber’s code set by the subscriber in the payment system, the indicated codes defining the subscriber RAM and writes this data to it.

 Thus, each entry in RAM is a logical telephone number code received from PSTN 4 and a subscriber code in the payment system selected by the subscriber. According to the second embodiment, user terminals (personal computers) can be connected to network 3 without the possibility of connecting them to a public telephone network, i.e., for example, through an optical or other cable, through a dedicated radio channel, etc.

 Further, the subscriber uses a terminal to receive services from the seller’s server, for example, 1.n.

 In addition to the procedure for using the system and the logical telephone number, the information for potential users of the payment system also tells you the address of the payment system server in the telecommunication network 3, through which you can connect to server 6 in network 3. The user through terminal 1 contacts the address 6 with the server and transmits the specified to them through PSTN 4, the subscriber’s code in the payment system to server 6 via network 3. Means 7 receives this code, contacts RAM 12 to retrieve the same code from RAM, and also sends the code received from the network 3, to the comparison unit 10.

 As mentioned above, in RAM 12, the recorded data about the subscriber-user of the payment system is stored in the form of a code transmitted by him via PSTN 4 and a logical telephone number to which he dialed through network 4 to server 6. Moreover, if the user from terminal 1 forwards If network 3 has its own code in the payment system, then upon receipt of the tool 7 transfers this code to RAM 12 and to the comparison unit 10. In RAM 12, this code can be the address for searching for data about the subscriber, as indicated above, stored in RAM.

 If data with this code is detected in RAM 12, then the code of the subscriber, which enters the comparison unit 10, is already read from RAM 12. Those. thereby, the subscriber code in the payment system is checked twice. When the codes match, the comparison unit 10 issues a signal to the means 11 to provide access to the seller’s resources.

 Further, the system in access mode operates according to the scenarios described in the first embodiment.

 According to the third embodiment (Fig. 5), the system operates as follows.

 User terminals are connected to telecommunication network 3, and subscribers can reach the server 6 of the payment system from any PSTN 4 telephone device, i.e. telephone sets 31.1 -31.k and user terminals 1.1 - 1.n are separated. They can even be at a considerable distance from each other. The user who used the information about the provided paid services of the payment system, as well as in the first embodiment, contacts the server 6 and receives the payment system code from the server 6 through the network 3. At the same time, the specified code from the encoder 30 goes to RAM 12, where it is stored .

 Then, having received the payment system code from the server 6 of the payment system via network 3, the program informs the user about the code of the payment system assigned to it and received at terminal 1, then the program prompts the user to call the server 6 of the payment system and enter the specified code into the payment system from the telephone PSTN 4 by a specific logical telephone number.

 The user, having received the payment system code via network 3, starts calling 31.k telephone number, dialing the corresponding logical telephone number containing the service code of funds 5, the server code of the payment system, the information service code and the subscriber code of the payment system assigned by means 9 of server 6 The switching unit 8 switches the subscriber unit 31.k to the means 5, while in the same way as in the first and second embodiment, the switching unit 8, when the subscriber 31.k is connected to the means 5, controls the connection, allocates d services, the duration of the communication session, etc., in order to subsequently bill the service for the subscriber to the phone number from which the call was made.

 Further, when connecting to the telephone set of the subscriber means 5 switching, i.e. if there is a connection between the subscriber unit 31.k and the means 5, the audio message playback unit 32 can be turned on. At the same time, the recording of an audio message that the subscriber has connected to the server of the payment system and that after a certain sound signal must enter the tone code in the payment system is activated.

 Further, as in the first embodiment, the means 7 for receiving and transmitting messages via PSTN through the switching means 5 and the corresponding switching unit 8 is connected to the telephone set 31.k of the calling user and receives the subscriber code in the payment system assigned to the subscriber via the Internet 3 , along with the subscriber code in the payment system, a logical telephone number dialed by the subscriber is also accepted. Next, the codes received in the tool 7 are transferred to RAM 12 for storage at the subscriber code address in the payment system. In the case when along with the codes of the logical telephone number and the subscriber's code in the payment system the code of the telephone number of the calling subscriber arrives, this code can also be written to RAM 12 along with other indicated codes at the same address.

 T. about. RAM 12 stores the logical telephone number code containing information about the seller and the service and the payment system code assigned to the subscriber with this number. In other words, in RAM 12 the indicated codes of logical telephone numbers are stored, which communicate with the server 6 of the payment system of Internet users 3, and the codes of the payment system assigned to them, which, as indicated above, can be addresses for reading subscriber data from the indicated codes from RAM 12 when making access.

 From this moment, the subscriber is a subscriber of the payment system. After the means 7 receives the payment system code from the telephone of the user and writes it to RAM 12, the server 6 of the payment system terminates the connection with the telephone of the user, and the audio message completion block 33 may be turned on and the message sent to the subscriber to the telephone .

 Having completed the connection with the server 6 of the payment system via PSTN 4, the user carries out the procedure for his identification in the payment system. To do this, he sends from the terminal 1 to the transceiver 29 of the server 6 his code in the payment system via the Internet 3, assigned to the subscriber by means of 9 and consisting of a password, the subscriber’s keyword. This code arrives at the transceiver 29. The transceiver 29 receives the indicated code and transmits it to the block 10 for comparison with the code assigned to the subscriber by means 9 and then received from the telephone set of the user via PSTN 4 to the means 7. The transceiver also sends this code for reading to RAM 12, at which subscriber data is read as at the address. RAM 12 upon receipt of the subscriber code in the payment system finds in memory the same code assigned to the subscriber and sends it to the comparison unit 10. If the codes match, then a message about this is transmitted to the tool 11 to provide access to the seller’s resources, and from RAM 12 The means 27 also receives data from the stored logical telephone number about the seller and the service corresponding to the subscriber’s code in the payment system, and in the means 27 the address on the seller’s server’s network 3 and the corresponding information service are put in accordance with the received codes ha, the seller’s address is transmitted to the access control means 11, which forwards this address through the transceiver 29 and the network 3 to the terminal 1 to provide the user with access to the services of the seller’s server 2.

 Further, the system in access mode operates according to the scenarios described in the first embodiment.

 According to the fourth embodiment (Fig. 6), the system operates as follows.

 Terminals 1.1 - 1.n of users are connected to telecommunication network 3, and subscribers can reach the server 6 of the payment system from any PSTN 4 telephone set, i.e. telephones 31.1 - 31.k and user terminals 1.1 - 1.n are separated. They can even be at a considerable distance from each other. The user who used the information about the paid services provided by the payment system is informed about the rules for generating the payment system code and the procedure for entering it either through terminal 1 via network 3 or via a telephone with the possibility of tone dialing via PSTN 4 to server 6 of the payment system. Next, the user selects a work option according to which, according to the rules specified in the downloaded program, he enters his code generated by him through terminal 1 via network 3, communicating with the transceiver 29 of the payment system server 6. This code is the user code in the payment system. The user can also enter a subscriber phone number code to identify himself in the payment system, which he will use in PSTN identification mode and by which an invoice will be sent to pay for PSTN services. The transceiver 29, having received a message with a user code in the payment system, sends it to RAM 12 for recording and storage with the address corresponding to the user code in the payment system and the subscriber number of the specified telephone number. The server 6 of the payment system, having received from the telecommunications network user his code in the payment system, informs the user about the receipt of the code through the transceiver 29 through the network 3 and prompts the user to dial into the server 6 of the payment system and enter the specified code into the payment system from the PSTN phone 4 a specific logical telephone number corresponding to the server number 6 of the payment system in PSTN 4.

 The user makes a phone call by dialing the corresponding logical telephone number containing the service code of funds 5, the server code of the payment system, and the information service code. The switching unit 8 switches the apparatus 31. k. the subscriber to the tool 5, while in the same way as in all five implementation options, the switching node 8 when connecting the subscriber 31. k. with the means 5 controls the connection, allocates a service code, the duration of the communication session, etc. in order to subsequently invoice the service to the subscriber to that subscriber phone number from where the call was made. Further, when connecting to the subscriber means 5 switching, i.e. if there is a connection between the apparatus 31. k of the subscriber and the means 5, the audio message reproducing unit 32 can be turned on. In this case, the recording of an audio message that the subscriber connected to the server 6 of the payment system and that after a certain sound signal should enter the tone code in the payment system is turned on.

 Next, a user authentication session is performed.

 As in the first, in the fourth embodiment, the means 7 for receiving and transmitting messages via PSTN 4 through the corresponding switching unit 8 and the switching means 5 is connected to the telephone set 31.k of the calling user and receives the subscriber code in the payment system, generated and sent by the user through the Internet 3, together with the user code in the payment system, receives its subscriber telephone number and logical telephone number dialed by the subscriber. Further, the means 7 transmits the user code and subscriber number to the comparison unit 10 and to the RAM 12. In the RAM 12 in the communication session through the network 3, the user code in the payment system, selected by the subscriber (user) and transferred for recording and storage to the server 6, and the subscriber phone number from which the user intended to call server 6 through the PSTN. For these codes, from RAM, as at the address, the specified data is read and transmitted to the comparison unit 10. If the codes match in block 10 of the comparison, then a message about this is transmitted to the means 11 to provide access to the seller’s resources. Further, the system in access mode operates according to the scenarios described in the first embodiment.

 According to the fifth embodiment (Fig. 7), the system operates as follows.

 User terminals 1.1 - 1.n through a modem (not shown) are connected to telecommunication network 3 and at the same time are PSTN 4. As well as in the fourth embodiment, the user who has used the information about the paid services provided by the payment system is informed about the formation rules payment system code and the procedure for entering it through terminal 1 through network 3 to server 6 of the payment system. Next, the user generates and enters the code generated by him in the payment system and the code of the subscriber phone number, communicating through terminal 1 via network 3 with the transceiver 29 of the server 6 of the payment system. The transceiver 29, having received a message about the user code in the payment system and his subscriber phone number in the PSTN, sends them to RAM 12 for recording and storage. Server 6 of the payment system via network 3 informs the program on the user terminal of the receipt of the code. Next, the program, having received from the server 6 of the payment system via network 3 a confirmation of receipt of the code of the payment system, completes the communication phase with server 6 via network 3 and switches the modem of terminal 1 of the user who has become a buyer to PSTN 4.

 According to the program, Terminal 1 performs automatic dialing through the modem at the number specified in the program downloaded to the user's PC 1. This number includes the user code in the payment system (selected by the user), service code 5, the server code of the payment system and the information service code, as well as the user's telephone number.

 Further, as in the first, fourth, and fifth embodiment, the means 7, through the corresponding switching unit 8 and the switching means 5, connects to the terminal 1 of the calling user and receives these codes, including the user code in the payment system, generated and sent by the user in the session communication via the Internet 3, a logical telephone number dialed by the subscriber, and his subscriber telephone number. The tool 7 sends the user code and subscriber number to the comparison unit 10 and to the RAM 12, according to the user code, data including the same user code and its subscriber number is read from the RAM 12 and also transferred to the comparison unit 10. If the codes in the comparison block 10 match, then a message about this is transmitted to block 11 to provide access to the seller’s resources. Further, the system in access mode operates according to the scenarios described in the first embodiment.

Industrial applicability
User terminals are personal computers connected to the public switched telephone network and the Internet by hardware and software (see Norenkov I.P. et al., "Telecommunication Technologies and Networks", Moscow, MSTU named after N.E.Bauman, 1998, p. 95).

 The implementation of the access of the seller’s server 2 with the user terminal 1 when paying for services with the server by the payment system can be carried out in the simplest case, when the codes match in the comparison unit 10 according to the procedure using the means described in the application WO 97/03410 A1, G 06 F 17/60 , 01/30/1997 and in US 5359642, H 04 M 15/00, 10.25.1994.

 The given implementation examples do not limit the possibility of other implementation options of the claimed system, including options for the implementation of individual functional units of the system.

Claims (33)

 1. A system for providing paid services in a telecommunications network, comprising user terminals, at least one seller’s server and a payment system server associated with the telecommunications network, and a telephone network, characterized in that the user terminals are configured to connect to and connect to the telecommunications network to the telephone network as subscribers of the specified network, the system comprises means for switching user terminals with the server of the payment system, installed in the telephone network and intended To connect user terminals through telephone network switching nodes with a payment system server, the payment system server is designed to assign a payment system code to a telecommunication network user, transfer the specified code via the telecommunication network to the specified user terminal, receive the specified code from the corresponding terminal via the telephone network, comparing the transmitted and received codes and providing access to the seller’s server based on the results of comparing the indicated codes.  2. The system according to claim 1, characterized in that said switching means is connected to telephone network switching nodes configured to provide control over communication sessions of telephone network subscribers connected by a switching means to a payment system server for billing said subscribers with an automated payment system telephone network services for specified communication sessions.  3. The system according to claim 1, characterized in that the payment system server comprises a means of assigning a payment system code to the user, consisting of a transceiver, the first input-output of which is connected through the telecommunication network to the indicated terminals, the second input-output is connected to the input-output of the encoder , the output of which and the third input-output of the transceiver are connected to random access memory (RAM), means for receiving and transmitting messages over the telephone network, designed to exchange messages over the telephone network between erminalami user and said server through the established telephone network and said interconnected switching nodes, and switching means, the output of said memory means and the output connected to the comparison unit, whose output is connected with means providing access to the seller's resources.  4. The system according to claim 3, characterized in that the means of providing access to the seller’s resources is connected to the database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit them through the specified transceiver of the means of assigning the user a payment system code via telecommunication network to the user terminal.  5. The system according to claim 3, characterized in that the means of providing access to the seller’s resources is intended to provide the address of the location of the user of the information service or resource on the seller’s server and is connected through the specified transceiver of the means of assigning the user of the payment system code to the user terminal for transmitting the specified address to a user terminal over a telecommunications network.  6. The system according to claim 1, characterized in that the telecommunications network is a global Internet network.  7. A system for providing paid services in a telecommunication network, comprising user terminals, at least one seller’s server and a payment system server connected to the telecommunication network, and a telephone network with telephone sets of subscribers of the specified network, characterized in that the system comprises telephone switching means telephone subscriber units with a payment system server installed in the telephone network and designed to connect subscribers' telephone sets through telephone switching nodes an e-network with a payment system server, a payment system server is designed to record and store the payment system code generated by the subscriber transmitted through the telephone network from the telephone network subscriber, receive the specified code from the corresponding user terminal via the telecommunication network, compare the transmitted and received codes and provide access to the seller’s server according to the results of comparing the indicated codes.  8. The system according to claim 7, characterized in that said switching means is connected to telephone network switching nodes configured to provide control over communication sessions of telephone network subscribers connected by switching means to a payment system server for billing said subscribers with an automated payment system telephone network services for specified communication sessions.  9. The system according to claim 7, characterized in that the payment system server comprises means for receiving from the telephone network subscriber a payment system code, consisting of a transceiver, the first input-output of which is connected to the specified switching means, the second input-output of which is connected to random access memory device (RAM), the third input-output is connected to the sound notification unit for receiving the payment system code, means for receiving and transmitting messages over the telecommunication network, designed for exchanging messages with terminals ovateley and said server, and whose output is connected to the output of the RAM comparison unit, whose output is connected with means providing access to the seller's resources.  10. The system according to claim 9, characterized in that the means of providing access to the seller’s resources is connected to the database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit it using the specified means for receiving and transmitting messages over the telecommunication network to user terminal.  11. The system according to claim 9, characterized in that the means of providing access to the seller’s resources is intended to provide the address of the location of the resource of interest to the user on the seller’s server and is associated with a means for receiving and transmitting messages over the telecommunication network, designed to transmit the specified address to the user terminal .  12. The system of claim. 8, wherein the telecommunications network is a global Internet network.  13. The system of claim 8, characterized in that the unit for reproducing an audio message confirming the connection of the subscriber’s telephone apparatus with the payment system is connected to the specified switching means.  14. A system for providing paid services in a telecommunication network, comprising user terminals, at least one seller’s server and a payment system server connected to the telecommunication network, and a telephone network with telephone sets of subscribers of the specified network, characterized in that the system comprises telephone switching means telephone subscriber units with a payment system server installed in the telephone network and designed to connect subscribers' telephone sets through switching nodes an e-network with a payment system server, a payment system server is intended for assigning a payment system code to a user, transmitting a specified code over a telecommunication network to a user terminal, receiving a specified code over a telephone network from a telephone network subscriber, comparing the transmitted and received codes and providing access to the seller’s server according to the results of comparing the indicated codes.  15. The system of claim 14, wherein said switching means is connected to telephone network switching nodes configured to provide control of communication sessions of telephone network subscribers connected by a switching means to a payment system server for billing said subscribers with an automated service settlement system telephone network for the specified communication sessions.  16. The system of claim 14, wherein the payment system server comprises means for assigning a payment system code to the user, consisting of a transceiver, the first input-output of which is connected through the telecommunication network to the indicated terminals, the second input-output is connected to the input-output of the encoder the output of which and the third input-output of the transceiver are connected to random access memory (RAM), means for receiving and transmitting messages over the telephone network, designed to exchange messages from telephone subscribers and with the indicated server, the output of which and the output of RAM are connected to the comparison unit, the output of which is connected to the means for providing access to the seller’s resources, the specified server also contains a sound notification block for receiving the payment system code, the output of which is connected to the corresponding input of the means for receiving and transmitting messages over the telephone network.  17. The system according to clause 15, wherein the means of providing access to the seller’s resources is connected to the database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit them through the specified transceiver of the means of assigning the payment system code to the user via telecommunication network to the user terminal.  18. The system of clause 15, wherein the means of providing access to the seller’s resources is intended to provide the address of the location of the resource user of interest on the seller’s server and is connected through the specified transceiver of the means of assigning the payment system code to the user with the user terminal for transmitting the specified address to the terminal user over the telecommunications network.  19. The system according to p. 14, characterized in that the telecommunications network is a global Internet network.  20. The system according to p. 14, characterized in that the unit for reproducing an audio message confirming the connection of the subscriber’s telephone apparatus with the payment system is connected to the specified switching means.  21. A system for providing paid services in a telecommunication network, comprising user terminals, at least one seller’s server and a payment system server connected to the telecommunication network, and a telephone network with telephone sets of subscribers of the specified network, characterized in that the system comprises means for switching telephone telephone subscriber units with a payment system server installed in the telephone network and designed to connect subscribers' telephone sets through switching nodes an e-network with a payment system server, a payment system server is designed to record and store the payment system code generated by the user transmitted via the telecommunication network from the user terminal, receive the specified code from the telephone set of the telephone network over the telephone network, compare the transmitted and received codes and provide access to the seller’s server by comparing the indicated codes.  22. The system of claim 21, wherein said switching means is connected to telephone network switching nodes configured to provide control of communication sessions of telephone network subscribers connected by the switching means to a payment system server for billing said subscribers with an automated payment system telephone network services for specified communication sessions.  23. The system according to item 21, wherein the payment system server contains a transceiver, the first input-output of which is connected via a telecommunication network to user terminals, the second input-output is connected to the first input-output of random access memory (RAM), means for receiving and transmitting messages over the telephone network, intended for exchanging messages over the telephone network between the telephone sets of the telephone network subscribers through the specified communication nodes established in the telephone network and interconnected Utilities and the switching tool and the specified server, one output of the specified tool is connected to RAM, the other output and output of the RAM are connected to the comparison unit, the output of which is connected to the means of providing access to the seller’s resources.  24. The system according to item 23, wherein the means of providing access to the seller’s resources is connected with the database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit them through the specified transceiver over the telecommunication network to the user terminal.  25. The system according to item 23, wherein the means of providing access to the seller’s resources is intended to provide the address of the location of the user of the information service or resource on the seller’s server and is connected through the specified transceiver to the user terminal for transmitting the specified address to the user terminal via the telecommunication network .  26. The system according to p. 20, characterized in that the telecommunications network is a global Internet network.  27. The system according to claim 20, characterized in that the unit for reproducing an audio message confirming the connection of the subscriber’s telephone apparatus with the payment system is connected to the specified switching means.  28. A system for providing paid services in a telecommunications network, comprising user terminals, at least one seller’s server and a payment system server connected to the telecommunications network, and a telephone network, characterized in that the user terminals are configured to connect to and connect to the telecommunications network to the telephone network as subscribers of the specified network, the system comprises means for switching user terminals with the server of the payment system, installed in the telephone network and intended In order to connect user terminals through telephone network switching nodes to the payment system server, the payment system server is designed to record and store the payment system code generated by the user transmitted via the telecommunication network from the user terminal, receive the specified code from the corresponding user terminal over the telephone network, and compare the transmitted and accepted codes and providing access to the seller’s server based on the results of comparing the indicated codes.  29. The system of claim 28, wherein said switching means is connected to telephone network switching nodes configured to provide control over communication sessions of telephone network subscribers connected by the switching means to a payment system server for billing said subscribers with an automated payment system telephone network services for specified communication sessions.  30. The system according to p. 28, wherein the payment system server contains a transceiver, the first input-output of which is connected via a telecommunication network to user terminals, the second input-output is connected to the first input-output of random access memory (RAM), means for receiving and transmitting messages over the telephone network, intended for exchanging messages over the telephone network between the respective terminals of the subscribers of the telephone network through the specified nodes connected to the telephone network s and commutation switching means to said server, one of said output means associated with the RAM, the RAM and the other output connected to the output of the comparison unit, whose output is connected with means providing access to the seller's resources.  31. The system according to clause 29, wherein the means of providing access to the seller’s resources is connected with the database of the payment system server with the ability to read the corresponding information service or resource from the specified database and transmit them through the specified transceiver over the telecommunication network to the user terminal.  32. The system according to clause 29, wherein the means of providing access to the seller’s resources is intended to provide the address of the location of the user of the information service or resource on the seller’s server and is connected through the specified transceiver to the user terminal for transmitting the specified address to the user terminal via the telecommunication network .  33. The system of claim 28, wherein the telecommunications network is a global Internet network.

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