BIOMETRIC MULTIFUNCTIONAL BIOMETRIC MULTIFUNCTIONAL SYSTEMSYSTEM

Biometric Multi-functional System (BMS) is an innovative project Biometric Multi-functional System (BMS) is an innovative project of the of the multi-biometrical multi-biometrical technology and dactyloscopic devices technology and dactyloscopic devices

designed to use them different services to users.designed to use them different services to users.

Contents:Contents:

General partGeneral part

What is biometricsWhat is biometricsTypes of biometric characteristicsTypes of biometric characteristicsTypes and models of scanners used in biometrics (with photos)Types and models of scanners used in biometrics (with photos)Forecast of development of the biometric market with the scheduleForecast of development of the biometric market with the scheduleUser reviews on biometricsUser reviews on biometrics

Biometric Multifunctional SystemBiometric Multifunctional System

Appointment Biometric Multipurpose System (BMS)Appointment Biometric Multipurpose System (BMS)Description BMS for example, the payment service and procedure of workDescription BMS for example, the payment service and procedure of work

The general scheme of the BMSThe general scheme of the BMSRussian biometric technologies necessary for BMSRussian biometric technologies necessary for BMSMilestones and project work planMilestones and project work planBenefits for business partnersBenefits for business partnersCost of the project on the example of BMS one serviceCost of the project on the example of BMS one serviceIntellectual Property (IP) for the project of BMSIntellectual Property (IP) for the project of BMS

What is biometricsWhat is biometrics

Biometrics is the scientific and technical discipline that deals with the study, Biometrics is the scientific and technical discipline that deals with the study, development and implementation in the business of different techniques, methods, development and implementation in the business of different techniques, methods, technologies and technical devices designed for the identification of biological technologies and technical devices designed for the identification of biological individual (the anatomical, physiological, behavioral) characteristics of a person. individual (the anatomical, physiological, behavioral) characteristics of a person.

Types of biometric characteristicsTypes of biometric characteristics

Passive signs:Passive signs:

1. Fingerprinting (definition of the fingerprint)1. Fingerprinting (definition of the fingerprint)2. Three-dimensional hand geometry2. Three-dimensional hand geometry3. Figure veins thumb3. Figure veins thumb4. Figure veins palm of the hand4. Figure veins palm of the hand5. Iris5. Iris6. The retina (the bottom of the eyeball)6. The retina (the bottom of the eyeball)7. Three-dimensional geometry of the face and head7. Three-dimensional geometry of the face and head8. The definition of individual DNA formula8. The definition of individual DNA formula

Active signs:Active signs:

• • VoiceVoice• Handwritten handwriting• Handwritten handwriting• Keystroke pattern• Keystroke pattern• Gait• Gait

Types and models of scanners used in biometricsTypes and models of scanners used in biometrics

Optical Optical dacto-scannerdacto-scanner - 1 - 1Fiber optic Fiber optic dacto-scannerdacto-scanner - 2 - 2Long Long dacto-scannerdacto-scanner - 3 - 3Scanner veins thumb - 4Scanner veins thumb - 4Scanner veins wrist - 5Scanner veins wrist - 5Scanner geometry wrist - 6Scanner geometry wrist - 6Scanner iris - 7Scanner iris - 7Scanner retina - 8Scanner retina - 8Scanner three-dimensional geometry of the face and head - 9Scanner three-dimensional geometry of the face and head - 9Scanner ink handwriting - 10Scanner ink handwriting - 10Mobile phone with Mobile phone with dacto-scannerdacto-scanner - 11 - 11Pocket PC with Pocket PC with dacto-scannerdacto-scanner - 12 - 12Computer keyboard with Computer keyboard with dacto-scannerdacto-scanner - 13 - 13Laptop with Laptop with dacto-scannerdacto-scanner - 14 - 14Computer mouse with Computer mouse with dacto-scannerdacto-scanner - 15 - 15Door lock with Door lock with dacto-scannerdacto-scanner - 16 - 16USB flash drive with USB flash drive with dacto-scannerdacto-scanner - 17 - 17POS-terminal with POS-terminal with dacto-scannerdacto-scanner - 18 - 18Safe with Safe with dacto-scannerdacto-scanner - 19 - 19Gun with Gun with dacto-scannerdacto-scanner - 20 - 20Dacto-chipDacto-chip with PCB - 21 with PCB - 21Biometric plastic card - 22Biometric plastic card - 22ID of German officer (the historical pattern, which belonged to P. Century Siebert (N.I. ID of German officer (the historical pattern, which belonged to P. Century Siebert (N.I. Kuznetsov, fingerprints) - 23Kuznetsov, fingerprints) - 23Passport of the Russian Federation with bio-chip - 24Passport of the Russian Federation with bio-chip - 24

Types and models of scanners used in biometrics (pictures)Types and models of scanners used in biometrics (pictures)

11 22 33 44

55 66 77 88

99 1010 1111 1212

Types and models of scanners used in biometrics (pictures)Types and models of scanners used in biometrics (pictures)

1313 1414 1515 1616

1717 1818 1919 2020

2121 2222 2323 2424

Forecast of development of the biometric marketForecast of development of the biometric market

Consulting company Acuity Market Intelligence:Consulting company Acuity Market Intelligence: Turnover of biometric market by 2020 -- Turnover of biometric market by 2020 -- $10 billion$10 billion

ScheduleSchedule

Feedback from users on biometricsFeedback from users on biometrics 1. 1. Unisys Corporation:Unisys Corporation: 70% of consumers around the world are supporting the use of biometrics. 70% of consumers around the world are supporting the use of biometrics.

66% prefer biometrics smart cards and tokens.66% prefer biometrics smart cards and tokens.2. 2. Unisys Corporation:Unisys Corporation: 90% of consumers in the UK and 69% in the United States unequivocally 90% of consumers in the UK and 69% in the United States unequivocally in favour of expansion of spheres of application of biometric identification.in favour of expansion of spheres of application of biometric identification.3. 3. Unisys Corporation:Unisys Corporation: More than 2/3 (67%) of the survey participants trust the fingerprint of the More than 2/3 (67%) of the survey participants trust the fingerprint of the database scanners, 44% trust recognition of persons and 38% - scanning the blood vessels of database scanners, 44% trust recognition of persons and 38% - scanning the blood vessels of the hands.the hands.4. 4. Ponemon Institute conducted a study with the following results: Ponemon Institute conducted a study with the following results: 82% of convenience, as the 82% of convenience, as the primary reason for biometrics;primary reason for biometrics;71% support of biometrics in the United States, 69% in Europe, 68% - in Asia and the Pacific, 58% 71% support of biometrics in the United States, 69% in Europe, 68% - in Asia and the Pacific, 58% in Latin America.in Latin America.5. 5. Scripps Howard News Service:Scripps Howard News Service: 80% of Canadians believe that by the end of this decade, each 80% of Canadians believe that by the end of this decade, each a canadian citizen will have identification with biometrics, and 67% of immigrants will be to a canadian citizen will have identification with biometrics, and 67% of immigrants will be to receive visas with biometric data.receive visas with biometric data.6. 6. Hitachi Data Systems Middle East:Hitachi Data Systems Middle East: 56% of Saudi firms plan to implement identification 56% of Saudi firms plan to implement identification fingerprint and iris for security office buildings.fingerprint and iris for security office buildings.7. 7. TNS and TRUSTe:TNS and TRUSTe: the survey was Conducted among 1157 Canadians and 1003 of Americans. the survey was Conducted among 1157 Canadians and 1003 of Americans. 85% of Canadians and 79% the Americans consider it necessary the introduction of biometrics in 85% of Canadians and 79% the Americans consider it necessary the introduction of biometrics in ID. 2/3 residents the United States and 6 out of 10 and Canadians approve of the biometric ID. 2/3 residents the United States and 6 out of 10 and Canadians approve of the biometric identification of the bank cards. More 80% of respondents in both countries (67% of Canadians identification of the bank cards. More 80% of respondents in both countries (67% of Canadians and 58% of Americans) in the 1st place put fingerprinting and the 2nd place - identification by the and 58% of Americans) in the 1st place put fingerprinting and the 2nd place - identification by the eyes, and the rest of the technology significantly far behind.eyes, and the rest of the technology significantly far behind.8. 8. Daily Telegraph and the Agency YouGov:Daily Telegraph and the Agency YouGov: According to the results of the sociological poll, half According to the results of the sociological poll, half of 1579 British approve of biometric identification cards, 39% against and 11% not decided.of 1579 British approve of biometric identification cards, 39% against and 11% not decided.9. 9. Fast Lane Option (FLO):Fast Lane Option (FLO): Results of sociological research program support air passengers - Results of sociological research program support air passengers - 82% of businessmen have announced their support for this program, and 80% are ready to pay 82% of businessmen have announced their support for this program, and 80% are ready to pay for annual participation in it of $99.for annual participation in it of $99.

Biometric Multifunctional SystemBiometric Multifunctional System

The appointment of a Multifunctional Biometric System (BMS)The appointment of a Multifunctional Biometric System (BMS)

BMS system is versatile and is designed to perform the following tasks:BMS system is versatile and is designed to perform the following tasks:Electronic Payment System (EPS)Electronic Payment System (EPS)discount-rewards systemdiscount-rewards systemElectronic Digital Signature (EDS) business, banking, accounting and tax documentsElectronic Digital Signature (EDS) business, banking, accounting and tax documentselectronic instantaneous and/or draw lotteryelectronic instantaneous and/or draw lotterye-insurancee-insurancee-notariate-notariat

Description BMS for example, the payment service and procedure of workDescription BMS for example, the payment service and procedure of work

BMS is a universal system of biometric identification and can work on-line- and off-line BMS is a universal system of biometric identification and can work on-line- and off-line modes via the Internet in the office (home) and public (street) options. To do this, as of end modes via the Internet in the office (home) and public (street) options. To do this, as of end use special terminal fingerprint scanners. They are included in the sets of Automated use special terminal fingerprint scanners. They are included in the sets of Automated Working Places (AWP) of the client, cashier, bank statement.Working Places (AWP) of the client, cashier, bank statement.Example the use of BMS as EPS in a summarized form looks like this:Example the use of BMS as EPS in a summarized form looks like this:- in store, cafe, hotel, bank, and others) to the cash machine is connected fingerprint scanner - in store, cafe, hotel, bank, and others) to the cash machine is connected fingerprint scanner fingers or any person connects the scanner to your computer in the office or at home, set a fingers or any person connects the scanner to your computer in the office or at home, set a special computer program in the bank an account is opened;special computer program in the bank an account is opened;- after selecting the product (services) to the cash desk typed the value of the order button is - after selecting the product (services) to the cash desk typed the value of the order button is pressed “Pay”; man puts his finger on the scanner sensor and signal goes on authorisation pressed “Pay”; man puts his finger on the scanner sensor and signal goes on authorisation and verification of balance of system processing center;and verification of balance of system processing center;- at acknowledgement of the right had applied the finger a scanner for a bank account and - at acknowledgement of the right had applied the finger a scanner for a bank account and you have the required sum for payment to the bank debits the amount from the customer's you have the required sum for payment to the bank debits the amount from the customer's account and writes it to the the store, and the cashier, having received positive confirmation, account and writes it to the the store, and the cashier, having received positive confirmation, emboss check.emboss check.- the client receives his order.- the client receives his order.

Biometric Multifunctional SystemBiometric Multifunctional System

The General scheme of the BMSThe General scheme of the BMS

Biometric Multifunctional SystemBiometric Multifunctional System

The General scheme of the BMSThe General scheme of the BMS

1. Digital web-camera for PC and process of the shooting of a human face.1. Digital web-camera for PC and process of the shooting of a human face.2. The fingerprint scanner (dactiloscope) and the process of removing the fingerprint with 2. The fingerprint scanner (dactiloscope) and the process of removing the fingerprint with simultaneous definition surround the pulse in her finger.simultaneous definition surround the pulse in her finger.3. Office flatbed scanner to scan a printed documents into electronic form.3. Office flatbed scanner to scan a printed documents into electronic form.4. Office printer for printing documents.4. Office printer for printing documents.5. Office-home personal computer (monitor, system block, keyboard, mouse).5. Office-home personal computer (monitor, system block, keyboard, mouse).6. Computer network Internet.6. Computer network Internet.7. Managing server BMS.7. Managing server BMS.8. The server (s) of the DataBase (DB), which stores a digital fingerprint templates.8. The server (s) of the DataBase (DB), which stores a digital fingerprint templates.9. Internet-shop (s), plug (s) to a service through the BMS.9. Internet-shop (s), plug (s) to a service through the BMS.10. Commercial services operating on BMS technology:10. Commercial services operating on BMS technology:

EPS - Electronic Payment System; EDRS - E-Discount-Rewards System; EDS - Electronic Digital EPS - Electronic Payment System; EDRS - E-Discount-Rewards System; EDS - Electronic Digital Signature; Insurance service in on-line mode; Notaries - notary service in on-line mode; Lottery Signature; Insurance service in on-line mode; Notaries - notary service in on-line mode; Lottery - electronic (edition and momentary) lottery.- electronic (edition and momentary) lottery.

Biometric Multifunctional SystemBiometric Multifunctional System

Russian biometric technologies necessary for BMS.Russian biometric technologies necessary for BMS.

To create BMS has already developed by the Russian biometric technologies: electronic To create BMS has already developed by the Russian biometric technologies: electronic fingerprinting and fingerprinting and vibraimagevibraimage..Why elected these 2 kinds of technologies? The point is that each has the necessary technical Why elected these 2 kinds of technologies? The point is that each has the necessary technical characteristics, which have no foreign analogues, namely:characteristics, which have no foreign analogues, namely:

1). Electronic fingerprinting:1). Electronic fingerprinting:

Resolution of the scanning element (dacto-chip) of dacto-scanner equal to 1500 dpi (dots-pixels onResolution of the scanning element (dacto-chip) of dacto-scanner equal to 1500 dpi (dots-pixels on1 square inch), and the main model range dacto-scanners foreign brands is 400-500 dpi, i.e. in 3 1 square inch), and the main model range dacto-scanners foreign brands is 400-500 dpi, i.e. in 3 and more times less than the Russian version. For deception dacto-scanners 400-500 dpi is and more times less than the Russian version. For deception dacto-scanners 400-500 dpi is possible to make a fake fingerprint templates of various plastic materials (wax, latex, rubber, possible to make a fake fingerprint templates of various plastic materials (wax, latex, rubber, gelatin etc). As for cheating dacto-1500 dpi scanners there are no known in the science and gelatin etc). As for cheating dacto-1500 dpi scanners there are no known in the science and technology of materials. Such dacto-scanners, except pattern papillary lines and individual-technology of materials. Such dacto-scanners, except pattern papillary lines and individual-specific human points, these form (roughness) themselves specific human points, these form (roughness) themselves papilarpapilar lines and the presence of lines and the presence of outputs sweat glands. No the ultra-thin material of the full microscopic structure of the fingerprint outputs sweat glands. No the ultra-thin material of the full microscopic structure of the fingerprint will not regenerate.will not regenerate.Dacto-chip Dacto-chip of the of the Russian dacto-scanner still determines the presence or absence of the finger Russian dacto-scanner still determines the presence or absence of the finger surround heartbeat in different points. In fake fingers or severed these fingers no pulse there is surround heartbeat in different points. In fake fingers or severed these fingers no pulse there is not, so there is no sense to him the slip. If there is no sense to produce fake or use the cut these not, so there is no sense to him the slip. If there is no sense to produce fake or use the cut these fingers, there are 2 ways to deceive such a biometric system: forcing a real live man propped my fingers, there are 2 ways to deceive such a biometric system: forcing a real live man propped my finger to dacto-scanner and perform actions in favor of intruders or interception of digital finger to dacto-scanner and perform actions in favor of intruders or interception of digital information (electronic fingerprint template) with a communication channel.information (electronic fingerprint template) with a communication channel.

Biometric Multifunctional SystemBiometric Multifunctional System

2). To prevent the threat of coercion real owner of the registered system fingerprint applies 2nd 2). To prevent the threat of coercion real owner of the registered system fingerprint applies 2nd technology - technology - vibraimagevibraimage..

Actions in this case there are so: By the man found in the natural state of extreme stress (fear), Actions in this case there are so: By the man found in the natural state of extreme stress (fear), which is recorded with the video camera, operating in this biometric system. This state he cannot which is recorded with the video camera, operating in this biometric system. This state he cannot suppress willful effort, because subconscious level this state still remains. The camera is unseen suppress willful effort, because subconscious level this state still remains. The camera is unseen eye vibraimage the upper body of a man, digitizes the signal and - transmits it to the computer. A eye vibraimage the upper body of a man, digitizes the signal and - transmits it to the computer. A special subprogramme built into the system handles this signal, when exceeded its allowable limit, special subprogramme built into the system handles this signal, when exceeded its allowable limit, issue a ban on a biometric system. Additionally, you may set the system for seamless transfer the issue a ban on a biometric system. Additionally, you may set the system for seamless transfer the alarm signal on the server's security service.alarm signal on the server's security service.

3) 3) Attempts to intercept, and then exploit, this digitized template fingerprint with the line (channel) Attempts to intercept, and then exploit, this digitized template fingerprint with the line (channel) communication sent to identify it on the server system is prevented, in addition to encryption, communication sent to identify it on the server system is prevented, in addition to encryption, structural device new dacto-scanner and its circuit Board, as well as special software algorithms, structural device new dacto-scanner and its circuit Board, as well as special software algorithms, that is the know-how of this device. Thus the maximum possible on the modern level of that is the know-how of this device. Thus the maximum possible on the modern level of development of science and technology of protection of a biometric system, working through the development of science and technology of protection of a biometric system, working through the Internet. Other technology (3d geometry of the face or hand, iris scan or his retina, especially Internet. Other technology (3d geometry of the face or hand, iris scan or his retina, especially handwriting and voice) seriously inferior fingerprinting, so their cannot be used in mass biometric handwriting and voice) seriously inferior fingerprinting, so their cannot be used in mass biometric Internet system.Internet system.

Biometric Multifunctional SystemBiometric Multifunctional System

Milestones and project work plan.Milestones and project work plan.

1st stage (development of innovation project):1st stage (development of innovation project):

- signing of cooperation agreement between the project participants;- signing of cooperation agreement between the project participants;- financing of this phase;- financing of this phase;- the author algorithms and, together with programmers manufacture of source texts and - the author algorithms and, together with programmers manufacture of source texts and code of computer programs;code of computer programs;- manufacturing contractors, TK author of the project, components, units for new technical - manufacturing contractors, TK author of the project, components, units for new technical biometric devices (printed circuit boards, cabinets and other);biometric devices (printed circuit boards, cabinets and other);- manufacturing contractors, author's Technical Instruction (TI) of the project, prototypes of - manufacturing contractors, author's Technical Instruction (TI) of the project, prototypes of new technical biometric devices and Design Documentation (Dnew technical biometric devices and Design Documentation (DDD););- order the author of the project of information and marketing work on biometrical market, - order the author of the project of information and marketing work on biometrical market, preparation of the business plan according to the international standard UNIDO, complex preparation of the business plan according to the international standard UNIDO, complex assessment of the Objects of Intellectual Property (OIP) project in specialized organizations;assessment of the Objects of Intellectual Property (OIP) project in specialized organizations;- preparation of themselves and with patent advisors and their submission to the author of - preparation of themselves and with patent advisors and their submission to the author of the project international patent applications for inventions of the PCT Treaty on the the project international patent applications for inventions of the PCT Treaty on the international Patent Cooperation Treaty, registration of the Russian Author's Society (RAinternational Patent Cooperation Treaty, registration of the Russian Author's Society (RASS), in ), in Russian Patent Agency (RPA, Rospatent) and in the Library of USA Congress copyright Russian Patent Agency (RPA, Rospatent) and in the Library of USA Congress copyright registration of the rights to know-how in the Institute certification and evaluation of OIP;registration of the rights to know-how in the Institute certification and evaluation of OIP;- certification of technical devices on ISO in the - certification of technical devices on ISO in the GostestGostest or Rostest laboratory; or Rostest laboratory;

Biometric Multifunctional SystemBiometric Multifunctional System

order on manufacturing of advertising and information and presentation of the printed materials order on manufacturing of advertising and information and presentation of the printed materials (booklets, catalogues etc) and media materials (video and audio), and also Internet-site in (booklets, catalogues etc) and media materials (video and audio), and also Internet-site in Russian, English and another languages;Russian, English and another languages;calculation of the amount of financing of the 2nd phase of the project.calculation of the amount of financing of the 2nd phase of the project.

2nd stage (commercial implementation project):2nd stage (commercial implementation project):

- financing of this phase;- financing of this phase;- registration the Joint Venture Company (JVC) in Europe;- registration the Joint Venture Company (JVC) in Europe;- vesting JVC powers negotiating with the banking, financial, insurance, notary firms and their - vesting JVC powers negotiating with the banking, financial, insurance, notary firms and their unions (associations), as well as state organizations from different countries, the conclusion unions (associations), as well as state organizations from different countries, the conclusion of contracts with them on the conditions established by the shareholders JVC, demonstration of contracts with them on the conditions established by the shareholders JVC, demonstration of its capabilities, BMS accounting, the submission of tax reports, etc;of its capabilities, BMS accounting, the submission of tax reports, etc;- organization of hareholder shall industrial production in mass quantities of the new - organization of hareholder shall industrial production in mass quantities of the new biometric devices on the basis of the developed prototypes;biometric devices on the basis of the developed prototypes;- transfer made biometric devices in wholesale-retail trade in the various countries, unions - transfer made biometric devices in wholesale-retail trade in the various countries, unions (associations) of firms who will work through the BMS for the spread of technology to (associations) of firms who will work through the BMS for the spread of technology to potential clients;potential clients;- organization of Processing Centres (PC) system BMS;- organization of Processing Centres (PC) system BMS;

Biometric Multifunctional SystemBiometric Multifunctional System

- connection to the network of BMS as service operators banking, financial, insurance, - connection to the network of BMS as service operators banking, financial, insurance, notarial and other firms from the different countries;notarial and other firms from the different countries;- check the operation of the BMS in test mode, debug the operating mode;- check the operation of the BMS in test mode, debug the operating mode;mass conclusion of contracts on service between service operators, working through the mass conclusion of contracts on service between service operators, working through the BMS with their clients;BMS with their clients;- current work BMS, its technical and commercial development.- current work BMS, its technical and commercial development.

Benefits for business partners (authors and investors):Benefits for business partners (authors and investors):

Able to work through the Internet at the enterprise, local, regional, the country and Able to work through the Internet at the enterprise, local, regional, the country and international (global) level.international (global) level.Obtaining new technology and mass production of new biometric devices.Obtaining new technology and mass production of new biometric devices.Co-ownership of patents in different countries, received on PCT applications.Co-ownership of patents in different countries, received on PCT applications.Attachment accumulated for the period of development of the economy of funds, highly Attachment accumulated for the period of development of the economy of funds, highly profitable project, as part of the state investment program (the exchange) free currency funds profitable project, as part of the state investment program (the exchange) free currency funds in the acquisition of useful tangible and intangible assets and etc.in the acquisition of useful tangible and intangible assets and etc.The ability to create and condominiums international multibiometrical Internet system higher-The ability to create and condominiums international multibiometrical Internet system higher-margin services, which can become an exclusive system for the near future in all developed margin services, which can become an exclusive system for the near future in all developed countries.countries.A large proportion of profits derived from the project, as its investor obtaining economically A large proportion of profits derived from the project, as its investor obtaining economically sound super-profits for its relatively small in finance development of the project.sound super-profits for its relatively small in finance development of the project.

Cost of the project BMS on the example of one serviceCost of the project BMS on the example of one service

Held approximate estimate of copyright and patent rights of authors of the project The Held approximate estimate of copyright and patent rights of authors of the project The methodical recommendations on evaluation of OImethodical recommendations on evaluation of OIPP, made on the basis of the International , made on the basis of the International Valuation Standards OIValuation Standards OIPP IVSIVS 1-4 (2001 year). 1-4 (2001 year).Estimation made on the example of one of the services - electronic insurance.Estimation made on the example of one of the services - electronic insurance.Assessment is carried out taking into account the statistical information on the global Assessment is carried out taking into account the statistical information on the global insurance market by the end of 2011. World collection of insurance premiums amounted to insurance market by the end of 2011. World collection of insurance premiums amounted to 4.6 trillion USD.4.6 trillion USD.

Method of assessment is profitable. Estimation formula Method of assessment is profitable. Estimation formula CC(5)1 = (5)1 = [C([C(1) + 1) + CC(2) + (2) + CC(3)) · (3)) · KK(1) · (1) · KK(2) + AG · p · T)] · R(2) + AG · p · T)] · R. Volume of the insurance market, working through the BMS, to calculate . Volume of the insurance market, working through the BMS, to calculate taken at a rate of 1% from the annual world market.taken at a rate of 1% from the annual world market.1) the cost of the OI1) the cost of the OIPP (when selling authors) is (when selling authors) is $97,753,315,000$97,753,315,000..2) the amount of income which the buyer receives OI2) the amount of income which the buyer receives OIPP, when using BMS in the insurance , when using BMS in the insurance business is business is $391,000,000,000$391,000,000,000..3) the amount of income net sales cost of the OI3) the amount of income net sales cost of the OIPP, is , is $293,246,685,000$293,246,685,000..For more accurate evaluation of the OIFor more accurate evaluation of the OIPP of this project will be contracted licensed appraisal of this project will be contracted licensed appraisal organization, which more accurately determine the scale of the market BMS and its the cost.organization, which more accurately determine the scale of the market BMS and its the cost.

Intellectual property (IP) for the project of BMSIntellectual property (IP) for the project of BMS

Objects of copyright:Objects of copyright:

- computer programs of BMS (source) — Rospatent certificate of computer programs;- computer programs of BMS (source) — Rospatent certificate of computer programs;

- educational-methodical and reference manual BMS - certificate of RAS;- educational-methodical and reference manual BMS - certificate of RAS;

- audio - and video-materials of objects BMS - certificate of RAS;- audio - and video-materials of objects BMS - certificate of RAS;

- graphical advertising materials of the project is the testimony of RAS.- graphical advertising materials of the project is the testimony of RAS.

Objects of industrial property:Objects of industrial property:

- dacto-module with the know-how, patents for invention PCT;- dacto-module with the know-how, patents for invention PCT;- payment terminal with know-how in several variants — patents the invention of the PCT;- payment terminal with know-how in several variants — patents the invention of the PCT;

- way to work dacto-module («small technology») - the patent for invention PCT;- way to work dacto-module («small technology») - the patent for invention PCT;- way to work BMS («big technology») - patents for the invention of the PCT;- way to work BMS («big technology») - patents for the invention of the PCT;- service mark (trademark) BMS - certificate of trademark;- service mark (trademark) BMS - certificate of trademark;- domains in the Internet in the areas of .com and .biz evidences of RU-centre.- domains in the Internet in the areas of .com and .biz evidences of RU-centre.