RU2351984C2 - Method for money withdrawal from atm without application of plastic card by means of payment order via sms service - Google Patents

Abstract

FIELD: information technologies.

SUBSTANCE: method provides for cash withdrawal by means of payment order via SMS service, so that client may use cell phone to give instruction for payment of certain money sum in favour of the third party. The third party, due to information received via cell phone, may withdraw money from any ATM fit for this purpose, having exclusive code or PIN-code for every operation as protection available only to client and beneficiary. Method for payment via SMS suggested by the present invention is especially suitable for existing network of ATMs and services.

EFFECT: simplified performance of safe operations or payments in favour of third parties, who are not the account holders, so that these operations could be performed without difficulty, remotely and without necessity for the third party to be the account holder or payment of any type.

6 cl, 2 dwg

Description

The purpose of the invention

The present invention relates to a method of withdrawing funds from an ATM without using a card by means of a payment order through the CMC service, which has significant signs of novelty and significant advantages over known funds used to date in this area.

More specifically, the purpose of the invention is to provide a package of modules designed to enable a safe operation to withdraw cash from ATMs without the need for any card. In this case, cash withdrawals are carried out by means of a payment order through the CMC service, using at least one banking institution to issue them an ATM network and without using the currently existing networks and protocols for providing card payments.

Therefore, the invention provides for the introduction of a number of control modules forming a communication network designed to carry out transactions with final payment orders through the CMC service without the need to transfer funds.

This invention generally relates to industrial telecommunications and, in particular, to banking operations, in particular in the field of management of services provided through ATMs.

BACKGROUND AND SUMMARY OF THE INVENTION

Cash withdrawals through ATMs provided by various banking institutions at the disposal of customers are widely used at present. For many users, this service has become important, and this type of service is usually directly related to the use of a plastic card, bank account book or other means of payment that is convenient to manage and use to carry out transactions of this type.

Currently, operations performed using ATMs are protected by using a personal PIN code known to the owner of the plastic card, which allows him to carry out the operations offered by the ATM that the requestor considers necessary, moreover, the owner of the account or means of payment or another user who knows the PIN- the code and owning the means of payment is the only person who can manage the ATM.

In addition, payments to a third party through bank transfers may also be made. In this case, certain functionalities are required, including two bank accounts, namely, the source account and the addressee account, otherwise the use of credit cards to carry out transactions of this kind would require the personal attention of the holder or, depending on circumstances, the trust of a personal card and her PIN code to a third party for the operation, which could lead to a sharp decrease in security.

Patent document GB-2379525 describes a method and apparatus for making authorized electronic payments to third parties by transferring funds between banking institutions. Two bank accounts are needed here, namely the source account and the destination account. Further, Japanese patents No.JP-11039538 and JP-2003123126 describe devices and methods for performing automatic operations, based in both cases on the use of a personal PIN code of the owner to complete the order and, therefore, allowing the withdrawal of the amount of money only from your own account. PCT International Patent No. WO 00/22494 also describes a system and method for performing financial transactions in which the customer makes an advance payment of the amount of money that must be transferred, so that the recipient must have a physical instrument to return the money.

In addition, US Pat. No. 2,020,691,770 provides a method in which a customer can allow a beneficiary to use cash at an ATM without a plastic card. For this purpose, the beneficiary must enter the cipher or PIN code into the ATM, about which he has previously been informed by the customer. The transfer of information about the code to the customer affects security issues, which makes its use impossible in the banking sector and in transactions with several beneficiaries.

In the present invention, all the above disadvantages are eliminated and, thus, significant improvements are achieved in comparison with the existing analogues.

Taking into account the current situation with such operations, the main objective of the invention is to develop a method that simplifies everything necessary for safe transactions or payments to third parties that are not account holders, so that these operations can be performed without difficulty, at the removal and without the need for a third party to be the owner of an account or means of payment of any kind.

The idea is based on the use of a mobile phone, through which payment in favor of a third party is carried out quickly and efficiently in such a way that the latter does not need to be the owner of an account of any kind or means of payment, you just need to use a mobile phone that allows you to find out the data for the CMC service subsequent cash withdrawal by a third party without using a card, etc. Obviously, the operation in question will depend primarily on the availability of the payer's sanction, and secondly on entering a PIN code that is tied to the operation, so that each operation in the ATM where payment is supposed to be made will have its own PIN code.

Brief Description of the Drawings

Further, these and other characteristics and advantages of the invention are explained based on a more detailed description of a preferred embodiment of the present invention with reference to the accompanying drawings, in which:

figure 1 depicts a structural diagram of the system and illustrates the sequence of steps that must be completed to the final withdrawal of cash from an ATM using a mobile phone through transmission through the CMC service, and

FIG. 2 schematically depicts a block diagram similar to that of FIG. 1, illustrating a method, in practice known as “clearing,” referring to operations such as payment by electronic clearing of fees, running costs, etc.

Description of a preferred embodiment of the invention

As indicated above, a detailed description of the invention is given in view of the accompanying drawings, in which identical numbers indicate identical or similar parts. Thus, figure 1 presents an example of the proposed system in relation to the actions that must be performed sequentially to carry out the operations of the proposed type using a mobile phone and using a CMC message through which a previous order is allowed or canceled so that a third party is able to withdraw this the amount of money determined by the customer of the transaction at any ATM designed to carry out such operations, without the need to use any medium payment and without the need to perform any money transfer operations during the operation.

More specifically, the system proposed by the invention is structured so that the entire process associated with the proposed operations includes a first step 1a associated with a process step in which the customer 2 uses a computer, mobile phone or ATM to require acceptance or cancellation of the operation of this type from the issuing object 3. Then the second stage 1b follows, in which object 3 reports on the request for acceptance or cancellation of the operation online to the central node or module of the national ATMPAY system, indicated number 4, where the account is saved in the database 5 about the acceptance or cancellation of a payment order received from object 3.

After compliance with the relevant formalities in the third stage 1c, the customer 2 is informed via CMC-message on a mobile phone or computer about the confirmation of acceptance or cancellation of the operation and about the permission, if accepted, to make a payment; otherwise, i.e. when a service is canceled, an automatic cancellation procedure is required to block a payment order.

Then, at stage 1d, the beneficiary 6 receives a CMC message on the mobile phone, which indicates various aspects of the operation, such as the account number, amount and data about the customer 2, as well as a cipher or an individual PIN code for each operation of this type.

When the beneficiary 6 is acquainted with the identification data, in stage 1e, he makes a request for cash in an ATM 7 suitable for this purpose, in which the ATMPAY node stores all cryptographic codes in a secure form, and after entering the PIN code assigned for this particular transaction , the ATM 7 in stage 1f sends a request to the acquiring entities 8 for authorization or adjustment.

At stage 1g, objects 8 send a request for authorization or correction to module 4 of the national ATMPAY system, from which at stage 1h the authorization of the order or the refusal of the order is sent to objects 8. For the stage 1i, the acquiring objects provide authorization or denial to ATM 7. Next at stage 1j, cash is dispensed or cash is denied to beneficiary 6.

Finally, at stage 1k, the module of the national ATMPAY system reports about payment to object 3 offline.

The above method is developed on a national basis, but this fact should not be considered as a limitation, since this system can be used worldwide through communication or data processing between module 4 and equivalent module 9 of the international ATMPAY system. In any case, the essence of the invention remains unchanged, since there is no need to transfer funds from one object to another, which, as you know, could lead to a situation where the beneficiary 6 should have an account or means of payment, which is not necessary in accordance with the present invention.

Figure 2 generally illustrates a method known as "clearing" in which the corresponding actions are performed after an operation of the aforementioned type, in which electronic interbank clearing of contributions, running costs and expenses is carried out.

Figure 2 depicts in more detail the sequence of stages of this method, in which at the initial stage 10a, the corresponding commands for payment of fees and operating expenses for the operation are transmitted by objects 8 to module 4 of the national ATMPAY system, which, in stage 10b, provides series of payment orders, operating expenses and fees for facilities 3, and at stage 10c, appropriate calculations are made and fees are levied from the customer 2.

After the above stages, the objects 8 continue to carry out the corresponding calculations in the used ATM 7 in stage 10a. This is followed by stage 10e, in which the operation with the national electronic clearing system 12 is performed through the debt liquidation facility 11.

Finally, in steps 10f and 10g, corresponding chargebacks are made between objects 3 and objects 8 through module 4.

There is no need to specify this description, as specialists understand the scope and advantages of this invention, and it will not be difficult for them to implement it and put it into practice.

However, it should be noted that the present invention is described in accordance with a preferred embodiment thereof, and other variations may be presented within the spirit and scope of this invention.

Claims (6)

1. A method of withdrawing funds from ATMs without using a plastic card by means of a payment order through the CMC service, designed to withdraw funds without the need for the beneficiary to be the owner of an account, plastic card, etc., characterized in that it contains the following steps:
a) the first stage (1a), at which the issuing object (3) receives, through the CMC service, a request from a customer or client (2) to accept or cancel a customer’s payment order;
b) stage (1b), in which the issuing object (3) interacts online with the module (4) of the national ATMPAY system, where all orders are processed, ensures acceptance or cancellation of the payment order;
c) stage (1c), where a CMC message is sent on acceptance or cancellation by means of a communication device for sending CMC messages, and if the service is accepted, the corresponding payment authorization is transmitted, which must be confirmed by the requestor, all of which is provided by module (4) national ATMPAY system;
d) stage (1d), in which the module (4) of the national ATMPAY system uses a communication device to send the beneficiary (6) the operation of a CMC message in which the customer’s identification data, the transaction amount and the cipher or PIN code are indicated;
e) stage (1e), at which the beneficiary (6) makes a request for cash withdrawal at an ATM suitable for this purpose (7) without the need for a means of payment, but using only the cipher or PIN code provided to him;
f) stage (1f), at which the acquiring object (8) receives a request for authorization or correction from the ATM (7) through the communication networks of the actual acquiring object (8);
g) stage (1g), in which a request for authorization or correction is made this time from the acquiring object (8) to the aforementioned module (4) of the national ATMPAY system;
h) stage (1h), in which module (4) of the national ATMPAY system authorizes or rejects the request made in the previous stage and passes this decision to the acquiring object (8);
i) stage (1i), at which the acquiring object (8) authorizes or rejects the operation and sends a corresponding notification through the internal communication network to the ATM (7);
j) stage (1j), at which cash withdrawal is confirmed or canceled to the beneficiary (6) through an ATM (7), and if confirmed at the ATM (7), a cash dispenser is activated, so that the beneficiary (6) can take cash;
k) the stage (1k), where the message is transmitted offline from the module (4) of the national ATMPAY system to the issuing facility (3), which completed the payment order;
l) stage (10a), at which the acquiring object (8) presents to module (4) of the national ATMPAY system some data related to the payment, showing processed payment orders, fees and recurring expenses that occurred during processing of the transaction;
m) stage (10b), in which module (4) of the national ATMPAY system submits payment orders, fees and operating expenses to the issuing facility (3);
o) stage (10c), at which the issuing facility (3) provides the customer (2) with settlements and collection of fees for the transaction;
o) stage (10d), in which the acquiring object (8) performs the relevant settlements with the ATM (7) used to carry out the operation;
p) stage (10e), where through the debt eliminating facility (11) access to the national electronic clearing system (12) is carried out, where clearing actions related to the processed transaction are carried out;
c) stage (10f), in which the corresponding returns are made between the issuing entity and module (4) of the national ATMPAY system; and
r) stage (10g), in which the corresponding returns are made between module (4) of the national ATMPAY system and the acquiring object (8). 2. The method according to claim 1, characterized in that in addition to the usual known means and means described in the present invention, which indicates the use of a mobile phone, the operation can also be carried out using a computer or electronic equipment. 3. The method according to claim 1, characterized in that the beneficiary (6) is informed of a personal cipher or PIN code that is unique in each operation of this type. 4. The method according to claim 1, characterized in that the beneficiary (6) is informed during the payment transaction by mobile phone through the CMC service. 5. The method according to claim 1, characterized in that the beneficiary (6) can withdraw cash from any ATM (7) adapted for this purpose. 6. The method according to claim 1, characterized in that during the operation there is no transfer of funds between the issuing objects (3) and the acquiring objects (8).

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