Ontological service repository of instant payments system

In this article the authors consider the task of creating a unified semantic description of services for the instant payments system. For this type of system, there are two types of customers: people and providers of goods and services. The paper analyzes the requirements of payment system customers. Requirements allows to formalize manageable and non-manageable parameters as well as performance indicators. The concept of a service and the process of providing services in an instant payment system is formalized. An ontology of services and software for working with ontology are developed. The software includes a repository of the instant payment system and a module for creating services. Protégé editor is used to develop an ontology. Additionally, in the article the developed ontology is studied from cognitive ergonomics point of view. The high-level programming language JavaScript was used to develop software. The innovative part for instant payment systems is the use of ontologies to create a common information space for all participants in the process of providing financial intermediation services.