WO1997005584A1 - A telematic and satellitic multimedial system for financial, economic and fiscal transactions and confirmations, between users and bank and institutional services - Google Patents
A telematic and satellitic multimedial system for financial, economic and fiscal transactions and confirmations, between users and bank and institutional services Download PDFInfo
- Publication number
- WO1997005584A1 WO1997005584A1 PCT/IT1995/000160 IT9500160W WO9705584A1 WO 1997005584 A1 WO1997005584 A1 WO 1997005584A1 IT 9500160 W IT9500160 W IT 9500160W WO 9705584 A1 WO9705584 A1 WO 9705584A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- bank
- user
- institutional
- service
- financial
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
Definitions
- the present invention concerns an original system for connecting in a network a user and his own Bank for formalizing and confirming financial operations , appropriately limited, destined to institutional organizations depositaries of the legal order that transforms said operations into formal acts of economic content.
- the functional interface between the user and his own Bank is performed by a multimedial Service Centre, that controls the accesses to the media that are enabled to provide the instructions and the procedures of the requested operation.
- the user who has a fix, digital telephone, and if possible also a fax, may use the following media enabled by the Service Centre:
- Tv with a televideo enabled to the interactivity function; audiotel service with a national or international access code; - Internet address with enabled mailbox for the financial transaction.
- the user provided with a movable telephone may not use the Tv screen with interactive televideo.
- the Service Centre develops the multiple and network control unit by means of interactive software that enable a plurality of Data Codec , and possibly Internet.
- the Data Codec allows the dialogue between the user terminal , the terminals of the associate Institute and the RAM unit for codification and decoding .
- the codification and decoding RAM unit consists of an independent box that is locally connected to the computer of the Institutional Centers and of the Banks .
- the independently fed box can be connected in network and via satellite.
- the "via satellite " option may be used when the quantity of the data from the centre to the periphery is considerable and the use of a system point multipoint in data broadcasting via satellite becomes convenient.
- the system is provided with a codification and a decoding for protecting the reservedness of the transmitted data. If an audio undercarrier of an analogic satellite transmission is used, it is possible to perform the data transmission from the Centre Institutional Organization to the periphery, consisting of the apparatuses of the Banks, at a speed of 64 Kbit/sec.
- the network between the service centre, the Organizations and the Institutes is dedicated of the kind ISND or Itapac; in such case, it is the concern of the Service Centre to update the peripheries with modem on dedicated lines.
- the system allows a multimedial telematic approach to operations of periodical forecasting games that tends to defining a canal between the Institutional Organization, which assures the laws applied to the same, and the user, meant as someone who participates to said bet, so as to be disengaged from any time and space limit.
- the fundamental elements that allow to exalt the application without time and space limits are: - the actual and future telephone network, with commutation for the generic user and with dedicated flow between the operators of the project;
- the terminal for the betting user provided at least with the minimum function of digital telephone keyboard and possibly with the fax function and further more, that can be related to a standard compatible PC-IBM;
- Figure 1 shows the functional scheme of the service managers of the telematic and satellitic multimedial system for financial, economic and fiscal transactions and confirmations, between users and Bank and Institutional Services.
- Figures 2 and 3 show the schemes of the connection between a user witha digital, respectively fix and movable telephone.
- Figures 4 and 5 respectively show the functional scheme of the possible connections for a user who has a respectively fix or movable telephone terminal with digital keyboard (if provided with fax, it may be useful for the checking of the betting), and figure 6 shows the sequence of the involved entities.
- the figures show a multifunctional telematic and satellitic system according to the present invention, comprising:
- a RAM unit 1 for codification and decoding consisting of an independent hardware that gets connected on a serial door to the computer of the Service Centre 2 and of the associated Banks 3, and comprises a box, independently fed, that may be connected in network and via satellite, whereby said latter option may be used when the data quantity from the centre to the periphery is of considerable entity, and it becomes convenient when the peripheries are more than fifty on a wide territory;
- unit 1 is provided with a codification and decoding system for the reservedness and protection of the transmitted data;
- unit 4 for multiple control and network that manages the applicative software for the user service terminals 5, for the terminals of the associated banks 3 and for the RAM unit 1 for codification and decoding;
- the system may be combined to the televideo service, with the signal distributed via satellite, by means of the development of a RAM unit 1 adapted to the digital technology, so as to obtain transfer speed of the data in the range of megabit/sec.
- the present invention further provides the development at speed of a small server for the user, so as to perform a plurality of financial transactions or bettings automatically and programmed in time, according to appropriate checking operations.
- a small server for the user, so as to perform a plurality of financial transactions or bettings automatically and programmed in time, according to appropriate checking operations.
- the Bank authorized by CO. N. I . manages the final ⁇ ial flow of the betw with an appropriate dedicate connection.
- the Bank is connected by means of a computer with the service society, real interface with the user that emits the bet; the relationship between the different entities are adjusted in such a way that the user has the maximum warranty on the secrecy and the integrity of the operation, also in case of win.
- the use of the Internet network for managing a data bank in the form of an electronic newspaper for facilitating the information for those users who bet through the multimedial telematic procedure; beyond the usual informations concerning the game, statistic cards may be elaborated supporting the users and the main actors, like the organizations ad the Banks.
- Through Internet it is possible to have an interactive dialogue with the users, extremely useful for the organizations and for the Banks for planning new bets.
- the Banks may produce a bouquet of bets for providing the clients with a wide range of possibilities, freely moving on the marke .
- connection via Internet and the approach to the network for performing a bet gives the operation an international trend.
- the user 5 may represent a plurality of fiscal subjects, may act on order of the same for transferring to the Institutional Organization (Treasury) financial transmissions appropriately confirmed by the relative Banks 3.
- Treasury Institutional Organization
- the user 5 dials a telephone code in the autiotel service; such service allows, if the tv screen is to be used, to follow the informations on the bets from ⁇ aid screen.
- the user 5 dials the code that the Service Centre ha ⁇ alloted him; the Service Centre 2 sends it automaticaly to the Bank where the user has a current account; the Bank elaborates the code sent by the Service Centre and sends the confirmation to user, who dials his own code in direct connection; said code is known only by the user. After the aceptance, the checking whereof may occur also by fax, the bet is closed.
- the bet can also take place by using the keyboard of the telephone 5-11; the audiotel service and the televideo supply the informations for performing the functions of the bet; at each step the user knows which are the keys corresponding to the function to be performed.
- This service is particularly turned to those users who live outside the national territory, and it may also be developped in multi- languages for supporting the access of different communities.
- the service via Internet must be planned for making possible bets from all around the world.
- a user 5 who, by means of the digital fix or movable telephone, with the guide of audiotel and, under the specification of televideo or of the Internet network, performs the bet opening and closing the same by means of the codes allotted by the Service Centre and by the Bank.
- the Service Centre 2 assures, at speed, a direct connection via Itapac or ISND between:
- the direct connections, combined with a multiple code system, are created for protecting the system from possible intrusions.
- the box of RAM 1 may be replaced, according to the present invention, by a RAM card that may be possible directly inserted in the computers TEI and TB.
- a RAM card that may be possible directly inserted in the computers TEI and TB.
- Such card has the same functions of the RAM box, with the further advantage of the integration in the computers TEI and TB according to possible industrial processes convenient for the Service.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Software Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP95934813A EP0783743A1 (en) | 1995-07-27 | 1995-10-04 | A telematic and satellitic multimedial system for financial, economic and fiscal transactions and confirmations, between users and bank and institutional services |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
IT95RM000516A ITRM950516A1 (en) | 1995-07-27 | 1995-07-27 | MULTIMEDIA TELEMATIC AND SATELLITE SYSTEM FOR FINANCIAL, ECONOMIC AND TAX TRANSACTIONS AND VALIDATION BETWEEN USERS AND SERVICES |
ITRM95A000516 | 1995-07-27 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1997005584A1 true WO1997005584A1 (en) | 1997-02-13 |
Family
ID=11403491
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IT1995/000160 WO1997005584A1 (en) | 1995-07-27 | 1995-10-04 | A telematic and satellitic multimedial system for financial, economic and fiscal transactions and confirmations, between users and bank and institutional services |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP0783743A1 (en) |
IT (1) | ITRM950516A1 (en) |
WO (1) | WO1997005584A1 (en) |
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6200967B1 (en) | 1996-06-25 | 2001-03-13 | Eli Lilly And Company | Anticoagulant agents |
US6363364B1 (en) * | 1997-03-26 | 2002-03-26 | Pierre H. Nel | Interactive system for and method of performing financial transactions from a user base |
CZ301113B6 (en) * | 2002-09-05 | 2009-11-11 | General-purpose telematics control system for transport and transit of persons and freight traffic, in particular carriage of dangerous substances |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JPH01269158A (en) * | 1988-04-20 | 1989-10-26 | Fujitsu Ltd | Line connecting system for terminal for stay-at-home betting |
JPH01316869A (en) * | 1988-06-17 | 1989-12-21 | Fujitsu Ltd | Betting information display system by terminal for at-home betting system |
WO1990013086A1 (en) * | 1989-04-20 | 1990-11-01 | Scientific Atlanta | Storage control method and apparatus for an interactive television terminal |
WO1995004333A1 (en) * | 1993-08-02 | 1995-02-09 | Paola Frau | Distribution network system for products and information |
WO1995006294A1 (en) * | 1993-08-27 | 1995-03-02 | Norris Jeffrey A | Closed loop financial transaction method and apparatus |
EP0649121A2 (en) * | 1993-10-15 | 1995-04-19 | International Business Machines Corporation | Digital information accessing, delivery, and reproduction |
-
1995
- 1995-07-27 IT IT95RM000516A patent/ITRM950516A1/en not_active Application Discontinuation
- 1995-10-04 EP EP95934813A patent/EP0783743A1/en not_active Withdrawn
- 1995-10-04 WO PCT/IT1995/000160 patent/WO1997005584A1/en not_active Application Discontinuation
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JPH01269158A (en) * | 1988-04-20 | 1989-10-26 | Fujitsu Ltd | Line connecting system for terminal for stay-at-home betting |
JPH01316869A (en) * | 1988-06-17 | 1989-12-21 | Fujitsu Ltd | Betting information display system by terminal for at-home betting system |
WO1990013086A1 (en) * | 1989-04-20 | 1990-11-01 | Scientific Atlanta | Storage control method and apparatus for an interactive television terminal |
WO1995004333A1 (en) * | 1993-08-02 | 1995-02-09 | Paola Frau | Distribution network system for products and information |
WO1995006294A1 (en) * | 1993-08-27 | 1995-03-02 | Norris Jeffrey A | Closed loop financial transaction method and apparatus |
EP0649121A2 (en) * | 1993-10-15 | 1995-04-19 | International Business Machines Corporation | Digital information accessing, delivery, and reproduction |
Non-Patent Citations (2)
Title |
---|
PATENT ABSTRACTS OF JAPAN vol. 014, no. 031 (P - 993) 22 January 1990 (1990-01-22) * |
PATENT ABSTRACTS OF JAPAN vol. 014, no. 124 (P - 1018) 8 March 1990 (1990-03-08) * |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6200967B1 (en) | 1996-06-25 | 2001-03-13 | Eli Lilly And Company | Anticoagulant agents |
US6363364B1 (en) * | 1997-03-26 | 2002-03-26 | Pierre H. Nel | Interactive system for and method of performing financial transactions from a user base |
US7035824B2 (en) | 1997-03-26 | 2006-04-25 | Nel Pierre H | Interactive system for and method of performing financial transactions from a user base |
CZ301113B6 (en) * | 2002-09-05 | 2009-11-11 | General-purpose telematics control system for transport and transit of persons and freight traffic, in particular carriage of dangerous substances |
Also Published As
Publication number | Publication date |
---|---|
EP0783743A1 (en) | 1997-07-16 |
ITRM950516A0 (en) | 1995-07-27 |
ITRM950516A1 (en) | 1997-01-27 |
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