Systems and Means of Informatics
2020, Volume 30, Issue 2, pp 187-194
PERSONAL AND CORPORATE E-BANKS IN COMMODITY-MONEY CIRCULATION TECHNOLOGIES
Abstract
The review presents the basics of methodological support for technologies of commodity-money circulation in the digital environment (CMC- technologies) implemented by means of personal e-banks (PEBs) owned by individuals and corporate e-banks (CEBs) owned by legal entities. Personal and corporate e-banks are the specialized artificial intelligence systems implemented on the basis of portable computer devices (smartphones, tablets) and stationary computers. The applied meaning of each CMC-technology is defined by a system of rules that direct and control actions of the parties to the contract on commodity-money circulation in the digital environment (CMC-agreement).
The rules implemented in ÑMÑ-technologies are based on the assumption that the owners of PEBs and ÑEBs are granted the right to credit by law, the implementation of which is controlled by the bank-regulator. The CMC-technologies allow the lenders to use only their own funds. The rules for execution of each CMC-agreement are controlled by software interacting with the digital twins that track events defined in the agreement. The CMC-technologies are aimed at improving the economic security of deals and reducing the influence of factors causing a decrease in the commodity capacity of money.
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[+] About this article
Title
PERSONAL AND CORPORATE E-BANKS IN COMMODITY-MONEY CIRCULATION TECHNOLOGIES
Journal
Systems and Means of Informatics
Volume 30, Issue 2, pp 187-194
Cover Date
2020-06-30
DOI
10.14357/08696527200217
Print ISSN
0869-6527
Publisher
Institute of Informatics Problems, Russian Academy of Sciences
Additional Links
Key words
technology of commodity-money circulation in the digital environment; personal e-bank; corporate e-bank; contract on commodity-money circulation in the digital environment
Authors
A. V. Ilyin  and V. D. Ilyin 
Author Affiliations
State Research Institute of Aviation Systems, 7 Viktorenko Str., Moscow 125319, Russian Federation
A. A. Dorodnicyn Computing Center, Federal Research Center "Computer Science and Control" of the Russian Academy of Sciences, 40 Vavilov Str., Moscow 119333, Russian Federation
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