BG109754A - Method and system for extra-bank drawing of money from atm - Google Patents

Abstract

The invention relates to a method and a system for extra-bank drawing of money, which will find application in existing or newly created ATM systems for extra-bank client servicing. When realizing the method, in the control information packet a command is generated for inclusion of entertainment information, based on which a respective image is introduced in the receipt the card possessor gets after performance of the function selected by him/her. It is characteristic of the system that the processor (2) of the ATM (1) has a further function of conveying the entertainment information to the printer (5) of the ATM (1).

Description

Technical field

The present invention relates to a method and system for out-of-bank withdrawal of money for use in existing or newly built ATM systems for out-of-bank customer service.

BACKGROUND OF THE INVENTION

Commonly used and currently used are non-bank cash withdrawal systems, which typically include at least one ATM equipped with a debit / credit card reader and a remote for input related to a processor connected to a printing device and at least with one banking computer system. The method of out-of-bank cash withdrawal implemented by known systems includes the steps of: introducing a credit / debit card into an ATM slot; choice of cash withdrawal function or other services; connection between the ATM processor and the banking computer system; entering cardholder credentials into the ATM processor; forwarding your credentials to your bank

computer system for verifying the bank account and its balance; sending a packet of management information from the banking computer system to the ATM processor to perform the selected function, provided there is sufficient funds in the account of the cardholder.

The known method and system are limited to performing financial transactions only, and the receipt for the service provided through the ATM typically only includes information about the availability of the bank account before the transaction (or payment), the amount withdrawn or paid, and the availability of the account after the transaction.

SUMMARY OF THE INVENTION

It is an object of the present invention to provide an ATM method and system for withdrawing ATM money with advanced functionalities

opportunities. The task was accomplished by proposing an out-of-bank ATM withdrawal method, including the steps of: introducing a credit / debit card into an ATM slot; choice of cash withdrawal function or other services; connection between the ATM processor and the banking computer system; entering cardholder credentials into the ATM processor; forwarding the credentials to the bank computer system for verifying the bank account and its balance; sending a packet of management information from the banking computer system to the ATM processor to perform the selected function, provided there is sufficient funds in the account of the cardholder. The method is characterized by the fact that a command for generating entertainment information is generated in the control information package, on the basis of which a corresponding image is entered into the receipt received by the cardholder after performing his chosen function.

In one embodiment of the method, the entertainment information is personified by the personal data (name and / or date of birth) of the cardholder.

In this option, it is appropriate for the entertainment information to include the cardholder's birthday greetings and / or the cardholder's personal daily horoscope.

In another embodiment of the method, the entertainment information includes an anecdote.

In another embodiment of the method, the entertaining information includes sudoku, in which case it is appropriate to specify the degree of difficulty of the sudoku in the "function selection" step.

In all embodiments of the method, it is appropriate to obtain entertainment information from the banking computer system and / or the Internet.

The objective was also achieved with an out-of-bank cash withdrawal system comprising at least one ATM equipped with a debit / credit card reader and a remote for entering information related to a processor connected to a printing device and at least one bank computer system. The system is characterized by the fact that the ATM processor has

an additional function for transmitting entertainment information to the ATM's printing device.

In one embodiment of the system, the banking computer system has a function for generating entertainment information transmitted to the ATM as part of management information packages.

In another embodiment, the ATM processor is also connected to the Internet.

In another appropriate embodiment, the banking computer system is also connected to the Internet.

The advantages of the method and system of the invention are locked in providing additional features enabling the acquisition of desired entertainment information at the same time as the financial transaction process. The new features help to increase the number of banking operations and / or checks on the account balance, while at the same time customers are assured that bank transaction fees are fully justified.

Brief explanation of the drawings

Figure 1 is a block diagram of an ATM cash withdrawal system according to the invention;

Figure 2 depicts an algorithm for introducing new features in the method and system according to the invention;

Figure 3 illustrates a monitor and keyboard for ATM data entry;

Figure 4 shows an example text message on an ATM monitor;

Figure 5 shows the choice of entertainment information;

Figure 6 shows a way of determining the difficulty of sudoku;

Figure 7 depicts a receipt containing, in addition to traditional data, new entertainment information - birthday greetings, day horoscope and anecdote;

Figure 8 also depicts a receipt but containing a birthday greeting, horoscope and sudoku.

Examples of carrying out the invention

The non-bank cash withdrawal system (FIG. 1) includes at least one ATM 1 equipped with a debit / credit card reader 2 and a console 4 for inputting information related to a processor 5 connected to a printing device 6 and - less with one banking computer system 7. The ATM processor 5 has an additional function for transmitting entertainment information to the ATM printing device 1. The ATM unit 1 typically has a monitor 8 and a keypad 9 (FIGS. 3 to 6).

The algorithm for implementing the method of the present invention is shown in FIG. 2, which shows that the database of processor 5 or banking computer system 7 includes information on the date of birth of the user, and from that date, depending on whether the user is a man or a woman, a horoscope is prepared, reporting this month and date and whether the user is young, middle-aged or old. The anecdote that the user may wish is also tailored to his age, with anecdotes separated by age from 16 to 25 years and from 25 years upwards, as well as suitable for women or men. After preparing the daily horoscope, the algorithm predicts the choice of sudoku and the difficulty of sudoku. Thus, all the entertainment information of the customer's choice can be included in the final receipt.

Figure 3 shows an embodiment of the system in which the client enters his or her own date of birth (in general, the date of birth can be retrieved from the database of the banking computer system by the entered PIN code).

Figure 4 illustrates a following screen in which the client chooses whether or not to receive a daily horoscope.

Figure 5 shows the further capabilities of the system to include in a Sudoku or anecdote receipt. When selecting a sudoku, the next screen (Fig. 6) opens for selecting a sudoku difficulty.

The final form of the receipt including all entertainment information desired by a client is shown in FIG. 7 and 8.

Another embodiment of the system is possible, in which the banking computer system 7 has a function for generating entertainment information, which is transmitted to the processor 5 of the ATM 1 as part of the control information packets.

It is also possible for entertainment information - horoscopes, anecdotes and sudoku - to be received from the Internet, whereby processor 5 of the ATM 1 or banking computer system 7 will also be connected to the Internet.

Claims (12)

1. Method for the extra-bank withdrawal of ATM money, including the actions: introduction of a credit / debit card into the slot of the ATM; choice of cash withdrawal function or other services; connection between the ATM processor and the banking computer system; entering cardholder credentials into the ATM processor; forwarding the credentials to the bank computer system for verifying the bank account and its balance; sending a packet of management information from the banking computer system to the ATM processor to perform the selected function, provided there is sufficient funds in the account of the cardholder, characterized in that a command for engaging entertainment information is generated in the packet management information, to on the basis of which a corresponding image is entered into the receipt received by the cardholder after performing the function selected by him. Method according to claim 1, characterized in that the entertainment information is personified by the personal data (name and / or date of birth) of the cardholder. 3. The method of claim 2, wherein the entertainment information includes a cardholder birthday greetings. Method according to claim 2, characterized in that the entertainment information includes the personal daily horoscope of the cardholder. - 5. The method of claim 1 or 2, wherein the entertainment information includes an anecdote. A method according to claim 1 or 2, characterized in that the entertainment information includes sudoku. η / Method according to claim 6, characterized in that the degree of difficulty of sudoku is set in the step 'function selection'. Method according to one of Claims 1 to 7, characterized in that the entertainment information is obtained from the banking computer system and / or from the Internet. 9. An out-of-bank cash withdrawal system comprising at least one ATM is provided with a debit / credit card reader and an input for entering information related to a processor associated with a printing device and at least one banking computer system characterized by that the ATM processor (2) has an additional function for transmitting entertainment information to the ATM printing device (5) (1). System according to claim 9, characterized in that the banking computer system (6) has a function for generating entertainment information transmitted to the ATM (1) in the composition of control information packets. System according to claim 9, characterized in that the ATM processor (2) is also connected to the Internet. System according to claim 9, characterized in that the banking computer system (3) is also connected to the Internet.