OA18298A - Machine for automating insurance operations, securing insurance premiums, money transfers and popularization of banking products - Google Patents

Abstract

The invention relates to an automatic machine, in the form of a conventional automatic teller machine, but capable of automatically performing both banking and insurance operations; this machine is in fact the main terminal of a technological platform that can be connected to secondary terminals (smartphones, tablets and computers), and which is made up of servers carrying specific banking and insurance software. All the terminals connected by intranet, internet, SMS or USSD to the platform serve as interfaces, allowing users to interact with it, to perform these operations that only the automatic machine can perform from end to end. The performance of this machine compared to known automatic teller machines is based on the originality of the new bodies created, the new functions of the known bodies, the new arrangements and above all the new functional principle of the machine.

Description

The present invention relates to an automatic machine whose operation as the main interface of a technological platform that can use secondary interfaces, is provided by banking and insurance software which allow it to play the role, as needed, of '' a window for the automation of insurance operations or a window for the automation of banking operations, with or without bank account and card.

The servers in which the said software are installed communicate by intranet, internet, USSD, SMS or any other suitable means of communication, with the main interface (automatic machine) and the secondary interfaces (computers, tablets or smartphones), which allow customers or partners to interact with the platform and automatically carry out their transactions.

II-2- STATE OF THE ART

Π-2-1- The automatic machine operating as an automatic insurance teller

A report by the American firm "Accenture" called "AccentureTechnology Vision for Insurancc 2016" which deals with the subject indicated "Pcople first: T7ie Primaçy of People in the Age of Digital Insurancc", carried out after a survey of 450 managers of distributed insurance companies in 15 different countries, insists in this era of excessive digitization, on the need for insurance companies to break with the prevailing status quo, by integrating these technological opportunities more into their corporate culture and by making the most of to their partners and customers as much as possible of the benefits of this digital boom.

This report reveals that, even if the great majority of Western companies are still looking for their marks in this revolutionary approach, others on the other hand are beginning to distinguish themselves by innovative concepts; this is the case of INSURIFY in the United States, which has set up a system called EVIA (Expert Virtual Insurancc Agent), a comparator of automobile insurance premiums operating as follows: the customer films his registration card, answers a few questions, then sends this information to EVIA, which through his intelligent application reacts by helping the user to find the best possible rate on the market.

MS&AD, a Japanese insurance company, has just deployed the intelligent IBM WATSON system that uses text analysis and speech recognition to automatically assess its customers' claims.

Other intelligent robotic applications, like BLUEPRISM and AUTOMATION ANYWHERE, have succeeded in several fields of activity (including insurance with XCHANGING in the United Kingdom) in automating certain processes which were still manual, this, thanks to software that can retrieve data from existing applications to manage a transaction, manipulate data, trigger responses, and communicate with other digital systems.

Unfortunately, in Africa and more particularly in the CIMA zone, although the regulator has made the computerization of insurance companies a priority requirement, they are still very far from considering the next step which consists of taking the threshold of simple management applications, for the sublime step of the automation tools of certain "processes".

However, the mission of collecting automobile stamp duties that the State of Cameroon has just entrusted to insurance companies, puts more pressure on insurers, to find an effective solution for the security of documents and insurance premiums. .xn

For lack of anything better, several insurance companies have recently installed their software with intermediaries to control the printing of automobile insurance certificates; Any certificate produced outside of this software is considered false. However, such a measure is derisory given the complexity and immensity of the problems facing the insurance industry in Africa and more particularly in the CIMA zone, in particular:

❖ the low insurance penetration rate;

❖ the excessive formalism of insurance companies;

❖ the slowness of insurance services;

❖ uncontrolled and high overheads;

❖ the difficulties of the companies in launching popular and “lowcost” products because of the difficulties of collecting premiums;

❖ the non-repayment of premiums and the insolvency of certain players in the insurance product distribution chain;

❖ the misappropriation of premiums by some employees;

❖ financial losses due to human errors;

❖ the large arrears of premiums and the high cost of collections;

❖ thefts, counterfeits and anti-désfaito / aZionj motor insurance and maritime certificates);

❖ anti-professional practices (eg issuance of certificate without contract);

❖ non-compliance with harmonized tariffs;

❖ insufficient traceability of operations;

<· Unfair competition and cheating on pricing elements.

Π-2-2- The automatic machine functioning as an ATM

Known automatic teller machines include a bank card reader, capable of reading the card data entered therein, which will be compared with the user data pre-recorded in the banker's computer platform, via the Visa or MasterCard center, etc. ..

If necessary, these classic ATMs can distribute banknotes, accept deposits or make transfers, but only to people whose data is pre-recorded in the computer systems of their bankers and who have a bank account or a bank card. bearing the same information.

It is then understood that without a bank account previously opened in a predetermined financial institution and without a bank card, it is impossible to use conventional ATMs in Africa and more particularly in the CFA zone. This has the effect of making the use of ATMs elitist and excluding more than 8% of the African population who do not have a bank account.

Several initiatives, including companies specializing in money transfer, “mobil-banking” companies (mobile banking) and “e-banking” companies (electronic banking), have attempted to resolve this problem of popularization. banking services and more particularly that of money transfer, without however satisfactorily stemming the risks that threaten the credibility and effectiveness of these solutions; in particular regulatory, transactional and structural risks, and risks related to distribution:

a) For companies specializing in money transfer.

Their operations are carried out at counters scattered throughout the country; in Cameroon, we can cite examples such as WESTERN UNION, MONNEY GRAM, EXPRESS UNION, EXPRESS EXCHANGE and many others.

Until recently, these counter operations did not use an automation machine: i it was necessary to manually fill out a dispatch or receipt form, which was then given to a counter agent with a photocopy of the card. identity on which they had affixed their signature three times; The agent entered the data thus collected into the computer platform of the interconnected company & the agency via the internet; the platform software compared these data with those contained in the database of said software before concluding the transaction.

In this system, although the management of the database is computerized, the transfer procedures remain manual and expose the system to the following structural and distribution challenges:

❖ Such a system requires significant investments and overheads relating to the counters for which rent, electricity and water, office supplies and transfer forms, staff salaries, partners' commissions and others;

<· The costs of transfer to the counter are higher in relation to the technical and financial charges incurred;

❖ The manual processing of transactions is the source of human errors and delays observed in the service of counter services;

<· Cash handling further exposes over-the-counter transfers to the risk of fraud, theft and embezzlement.

b) With regard to “mobil bankfne” companies.

The SAFARICOM company, which has distinguished itself in KENYA and in certain countries of East Africa through its M-PESA solution, is a good illustration of these “Fintech” (financial technology company) which are very often telephone companies. mobile whose B2B (Business to business) or B2C (business to customer) approach severely attacks the business model of the classic financial industry.

₅ These mobile telephone companies, major providers of these mobile banking services, the best known of which in the CFA zone are “ORANGE MONEY”, MTN MOBILE MONEY ”and AIRTEL MOBILE, operate in partnership with one or more banks, recruit external agents responsible for the distribution of their products for opening an electronic account and transferring money, in return for commissions.

In the case of a transfer transaction, for example, the user who goes to an authorized agent fills out and signs a form containing the details of the sender or beneficiary as well as the amount of the transaction. The approved agent is responsible for entering the information contained on the form into the interconnected system, receives the customer's money or pays if necessary The IT platform of the "Fintech sends back to the 5 users involved in the transaction, an SMS message informing them

Although we note a strong enthusiasm among the populations for these new account opening and mobile transfer services, several challenges remain to be met, namely:

❖ The regulatory challenge is a real risk which is illustrated by the recurring complaints from traditional banks, money transfer companies and microfinance companies, which evoke unfair competition from mobile telephone companies: indeed, these companies do not having no authorization to carry out banking operations, circumvent the regulations by signing partnership agreements with one or more traditional banks to legitimize their operations. Consequently, the foreign banks to the said agreements criticize them and push the regulator to crack down.

<"The transactional risks are just as significant, including:

phishing frauds consisting in using deceptive phone calls and SMS to obtain confidential information relating to the number of the mobile money account of the victim, his secret code or information related to his identity;

False operations consisting of sending confirmation SMS to make the customer believe that they have been carried out, often accompanied by a request for cancellation;

• Fraudulent cancellation requests that occur after the user has already benefited from the transfer;

Fraudulent payments which result in the collection of sums by employees or fictitious beneficiaries;

and finally the fraud by advance of funds which consists in causing the customer to send money by false promises;

<* With regard to structural risks, they are linked to the business model adopted by these mobile telephone companies which have limited control over the production chain of their mobile transfer services, given that important tasks are still controlled by approved external agents The other structural risks are as follows:

o possible fraud by employees of these mobile transfer companies, whose access to confidential customer data could create the temptation to steal their identities or create collusion with external parties to hijack accounts or transfers.

o The exaggerated simplification of user identification and transaction authentication procedures, at the origin of the risk of money laundering and terrorist financing. This weakness is also at the origin of the mistrust of regulators and leads them to limit the amounts and geographic scope of these mobile transfers.

o The enormous competition in the mobile transfer sector which would lead to market saturation in the medium term.

o the instability of the telecommunications networks or of the electrical energy which could be at the origin of the doubling of transactions (the message that the incompetent agent believed interrupted because of the aforementioned incidents, is returned a second time) ❖ The Another challenge faced by mobile transfer companies is that of the distribution of these services, which very often relies on the subcontracting of external agents paid by a commission system. This lack of control by the company of "mobil banking ”, an essential link in its activity, is beginning to show flaws that could ultimately discredit these mobile banking operations, in particular:

the feigned or proven unavailability of liquidity in numerous approved points, • transfers of fraudulent agents, clients' money to personal accounts, • the opening by these agents of fictitious accounts in order to receive commissions, the splitting of certain transfers to collect commissions, human errors, embezzlement and various frauds.

c) “e-banklng” operations are very often carried out by traditional banks andi by certain micro-finance companies, through their ATMs.

(DAB), computers and mobile phones connected by internet with the bank's IT platform.

The elaborate version of this electronic banking service in the CFA zone is mainly illustrated by cash withdrawals by bank card, transfer from account to account, transfer from account to account and information on the bank account.

The user enters his bank card or his personal identification number (PIN) into the ATM if he uses a secondary interface (smartphone, computer); these elements allow the bank's software to compare the data they contain with those existing in the bank's database. If necessary, the user will only have to follow the various procedural steps that appear. on the interface screen, with the possibility of making choices or adding information to the system using selection keys and keypads.

"E-banking" companies also have to face certain difficulties which are transactional and distributional in nature, such as:

<· The low ubiquity of bank branches and ATMs, given the importance of the investments to be made;

<· The small variety of types of operations that can be carried out by conventional ATMs;

<· Limiting the banking services offered by ATMs to people with an account and a bank card (less than 12% of the population in the CFA zone);

<· The inaccessibility of the conditions for opening bank accounts to the vast majority of the population and the excessive formalism of traditional banks;

❖ Feeling of insecurity and rejection of banking services, due to recurrent cases of fraudulent bankruptcies of certain banks and EMFs;

<· Prohibitive cost of services provided by traditional banks and microfinance institutions;

❖ Bank congestion and lack of speed in certain banking services

In response to these many challenges raised, some initiatives stand out:

In 2016, BANQUE ATLANTIQUE deployed in certain countries of the CFA zone, a concept that allows their customers with a bank account to transfer money to a third party without the need for a bank card. not be a customer of the bank and who will be able to receive his transfer by entering the secret code he will have received by SMS in an ATM of the bank.

This is also the case for the partnership between PAYNET and M-PES A who have designed software that allows the use of cardless ATMs, with the aim of minimizing the risks associated with the distribution of their money transfer products. silver.

Recently, “mobile banking” companies have given users the opportunity to open “mobil moncy” accounts with bank cards, which can be used to withdraw money from automatic teller machines (ATMs) and carry out transactions. online purchases The fees for cash withdrawals in these ATMs are around 3%, however limited to 5,000 CFA francs per withdrawal (note that these operations are currently only possible in the ATMs of 2 banks in Cameroon ).

II-3- BRIEF DESCRIPTION OF THE INVENTION

The automatic banking and insurance machine or Automatic Bank and Insurance Teller Machine (GABA), object of the present invention, hereinafter referred to as the machine, automatic, is the main terminal of a technological platform, capable of perform L

B automatically banking or insurance operations, according to a level of "customer effort score" (level of effort requested from the customer for the completion of his transaction), the objective being to allow the customer who performs these operations, to save time and money

The design of the main terminals predispose them to perform from end to end all the tasks relating to the various operations provided for by the platform, unlike the secondary terminals of which they are the relays for tasks such as the printing of transactional documents, 'collection and disbursement of means of payment.

The concept of the automatic machine based on the motto "ATADAWAC" (Any lime, Any 10 Device, Any Where, Any Content), consists in making available to partners, in particular:

Banks, micro-finance establishments, insurance companies, insurance intermediaries and money transfer companies, a tool that can diversify, optimize, secure their services and facilitate access to them.

These partner companies, owners of the technological platform or connected in group 15 following the business model known as “SAAS” (Software As A Service), will thus be able to offer their services, wherever they wish, and especially in rural areas. or difficult to access, without the need to make heavy investments to each open an agency. This sharing of the platform according to the concept of "sltarlng Economy" allows each partner to minimize its agency expenses and reduce the cost of its services. In the current practices of banks and insurance companies, customers are less involved in the production chain of the services they consume: this is also one of the reasons for the suspicion and even the disaffection of the vast majority. of the population, who believes that by thus monopolizing the production chain of their services, bankers and insurers are taking advantage of their preeminence to trap the contracts and the services they offer.

The technological platform and the automatic machine change this approach and offer a more participatory production model, still known under the name of "crowdsourcing"), in which we note a more marked interactive collaboration between the service provider and his client ("coworking" )

The technological platform is therefore made up of specific servers and software, managing remotely through intranet, Internet or any other telecommunication system, banking or insurance operations through terminals serving as interfaces. customers or partners.

Π-4- DETAILED DESCRIPTION OF THE INVENTION

The automatic machine that is the subject of this invention works with the two specific softwares in a "ntodus operandi" giving the opportunity for a greater involvement of the user, who can thus contribute to a faster completion of the desired service (co -working).

Thanks to banking software and insurance software, designed on the basis of the "self-care system", the automatic machine can operate in banking mode or in insurance mode depending on the user's request.

Initially, there will be assigned to each automatic machine, a monitor trained in banking and insurance operations whose role will be to guide customers in the use of the machine.

II-4-1- The automatic machine operating in bank mode

This automatic machine operating mode is made possible thanks to the banking software of the technological platform; it has the following objectives for the banking sector:

Improving the banking rate (still very low in the CFA zone); A Reducing the formalism to which banking services are subject;

4 Reducing bank congestion at conventional counters and speeding up banking services;

t Improving the costs of banking services deemed prohibitive;

A Improving the ubiquity of banking services across the country;

Reducing the impact of load shedding on banking services;

dk The reappropriation of money transfers by traditional actors;

A Restoring healthy competition in the banking sector;

The improvement of bank deposits;

A Improving the safety of banking "The facilitation of access to banks ¹ order and their services;

A Reducing the risk of exchange, fraud, error, money laundering aspects;

Improving and facilitating the traceability and archiving of operations; Optimization of transfer volumes from the diaspora;

A Improving the security of mobile money transfers;

A Mastery and effective control of the production chain of mobile 20 transfer services by partners;

“Improving liquidity control at mobile transfer service points with the aim of containing the problem of the availability of funds at these points.

Operation in bank mode makes the automatic machine a device characterized by its multi-functionality, in particular with regard to the management of:

transactions to send money to a third party;

• operations of receiving money from a third party;

transactions to send money to a third party;

receiving money from a third party;

opening a bank account;

3 ° deposits in an account;

withdrawals from an account.

Each operation is made possible, thanks to the various integrated functions of the machine, in particular:

J The function of selecting data pre-recorded in the system and corresponding to the needs of the user;

J The function of setting and entering customer data;

J The function of scanning and recording customer or user's documents and documents;

J The function of scanning and recording the biometric and personal data of the customer or user;

⁴⁰ The calculation function;

J The cash-out function;

The disbursement function;

• S The exchange function ν 'The edit and print function;

ν 'The safety function t

J The information, communication and control function;

“* The economic function.

a) The function of selecting the re-recorded data corresponding to the customer's needs

This function, identical to those of conventional ATMs, is provided by the screen and the selection keys of the automatic machine: it is suggested to the user through the screen, to choose among the items displayed there and which have been previously configured in the platform database.

Thanks to the selection keys, the user makes the choice that best corresponds to his needs, in particular the choice of the language of operation, the choice of the type of transaction to be performed or the choice of the financial institution responsible for guaranteeing his operation.

The prior setting of partner banks or microfinance institutions in the technology platform is all the more important as they are the ones who give legality to the operations carried out by the terminals. As a result, the automatic machine performs banking operations only on behalf of duly authorized financial institutions.

The selection function can also be executed on secondary terminals using the platform's mobile application.

b) The function of setting and entering customer data

This function is provided by the keypad and screen of the automatic machine. The keyboard has the same characteristics as those of classic DABs. However, as in some Smartphones, it can be digital and incorporated into a touch screen.

The user uses the keyboard to configure in the computer platform, data which determine the conditions of execution by the machine of the requests which are introduced to him and which will make it possible to manage the various operations: information relating to the customer and his needs and which are requested by the machine are entered there, then they are compared with the data already configured in the system.

The information requested by the machine depends on the type of operation the user wishes to perform: they are as follows:

The name (s) and first name (s) of the customer or user;

The telephone number of the customer or the sender;

The recipient's phone number;

¹¹ The country and city of residence or dispatch of the transfer;

The country and city of destination of the transfer;

The amount to deposit or send;

The amount expected or to be withdrawn;

The transfer code received;

The account number;

The date and place of birth;

Where applicable, information on who to contact if necessary.

The user must then use the selection keys to confirm or modify the information thus entered and which is displayed on the screen of the automatic machine.

This parameter setting and input function can also be executed by mobile application on the secondary terminals using the keyboards and screens of smartphones, tablets and computers.

V s

c) The function of scanning and recording documents and documents

The automatic machine is characterized in that it is equipped with a device for scanning and recording the parts and documents necessary for the identification of the user. This function distinguishes the automatic machine from conventional ATMs; the digitized information is compared, where appropriate, with the data entered in the previous step, in order to detect any errors or fraud.

This function is visible on the machine through the parts scanning slot: the user enters into the automatic machine scanning slot, his identity card or the indicated pages of his passport; the part thus introduced is scanned and recorded in the technological platform, then it is ejected from the machine through the same slot.

An OCR (Optical Character Recognition) system allows the machine to recognize the document thus introduced; & default, a rqet message appears on the terminal screen and the wrong part automatically ejected from the machine.

With regard to secondary terminals (Smartphones, tablets or computers), thanks to the mobile application, the part is scanned by a Smartphone or any other external device and transferred by WhatsApp or other telecommunication means to the technological platform that accepts it. or rejects it.

Instead of a bank card reading device, the automatic machine has more of a system that can scan and record the user's identity document; which gives the possibility to any holder of a national identity card, a passport and a residence card to be able to carry out his banking operations, without needing an account or a bank card.

d) The function of scanning and registering the customer's fingerprints, photo and signature

This function is visible on the automatic machine through the fingerprint registration point, the built-in camera and the electronic pen.

Regarding fingerprints,

At one point during the operation, a message appears on the screen of the automatic machine, inviting the user to place one or more of his fingers in the location provided on the machine and which is distinguished by its red flashing light; if the finger (s) to be scanned are well placed, the flashing light turns from red to green and the machine automatically scans and registers the required fingerprint (s).

This function intervenes:

• either towards the end of an operation, when it must be concluded, in which case the registered fingerprint serves as validation of the operation and a means of its authentication;

either at the start of the operation, to allow the platform to identify the user who has already used it and bring out some of their personal data which will shorten the time for their operation.

Thus, the user who has used the automatic machine at least once, is exempted from several steps in performing a banking transaction, if he has a personal identification number (PIN).

The machine automatically issues, through the receipt of the transaction, a PIN to anyone who uses it for the first time; If you do not have it for any reason whatsoever, you will do your operation by following all the steps that apply to a new user.

Almost all ATMs in the CFA zone using bank cards and secret codes, the use of fingerprints as a means of identifying the user and authenticating the operation instead of the bank card is new.

Thanks to the platform's mobile application, fingerprint registration can also be performed on secondary terminals: the operation will be triggered automatically when the user places the finger or fingers to be scanned on the location indicated on the touch screen. from their smartphone or tablet.

Regarding the Incorporated camera.

During the operation, a message is displayed on the screen of the automatic machine inviting the user to fix the camera: thanks to an iris recognition system, it is triggered only when the eye of the camera does indeed meet the eyes of the user, otherwise the operation is blocked and the message continues to display until the exercise is completed.

When the camera is triggered, a 4x4 photo is scanned and recorded in the platform's database for the triple purpose of identifying the user, authenticating the operation and ensuring its traceability.

Unlike conventional ATMs where the camera is an instrument for securing the machine 20 and the user, the camera for automatic machines is not only a means of digitizing data for the operation, but also a means of identifying the operator. user, authentication and security of the operation.

The platform's mobile application allows the user to use their mobile phone's camera to take pictures of themselves and transmit this data over the Internet to the technological platform for use.

Regarding the recording of the signature by stylus.

In the event that the legislation of certain countries does not allow fingerprints as a means of identification or authentication that can be used by private individuals, we could consider touch screens that can collect the client's signature using an electronic pen (stylus ) attached to the machine with an ultra-resistant cord

Thanks to the technology platform's mobile application, this function will be executable on smartphones and tablets equipped with an electronic pen.

e) The calculation function

Several organs support this function:

- A retail body responsible for restoring the amounts obtained between cuts;

- A composing organ which gathers all the details made on the cuts;

An authenticator who verifies the authenticity of the data entered or recorded; A coin authenticator;

A breaking device which gives the value of the cuts; i

An account verification body that determines whether the account is provided. VL

A generic service price is configured in the platform database.

When the user enters their personal data into said platform, they are confronted with the pre-recorded data, which generates results representing the costs to be paid for their operation.

Before completing each operation, the machine, through its screen, communicates to the user the amount & pay for its completion. He must then confirm acceptance of this amount to continue the transaction, or press the "modify" key to correct it.

For example, if the customer wishes to transfer 10,000 FCFA and the pre-recorded rate indicates that the fees to be paid are 175 FCFA, the following syntax 10 will be displayed on the terminal screen: amount to be transferred 10,000 FCFA + amount of fees 175 FCFA = amount & deposit 10 175 FCFA.

If the user presses the "modify" key, he will be presented on the terminal screen, a space in which he must mention the amount he wishes to deposit and which, upon validation, displays the amount that will actually be delivered to the recipient. , minus the costs to pay: we will then have 15 the following syntax:

Amount deposited 10,000 FCFA - Amount of fees 175 FCFA = Actual amount & transfer 9,825 FCFA.

This calculation function can also be executed by the mobile application of the secondary terminals.

f) The function of receipt, disbursement and exchange

This feature gives the automatic machine the same utility as an ATM, but with the particularity of operating without the need for an account and a bank card.

The cash-out function:

The cash-out function is reserved for the main terminals only; in fact, automatic machines have a banknote deposit slot and a coin insertion slot, respectively for cashing banknotes and coins, unlike the vast majority of conventional ATMs which cannot receive only tickets.

In an operation of sending money, opening an account or depositing in an account, after the amount to be deposited has been validated, the user is invited by a message which is displayed on the screen, to insert the banknotes and coins into their respective slots. These means of payment pass through an automatic recognition, sorting and counting device incorporated in the previously configured machine, depending on the presentation of the means of payment used in its area of activity of the machine.

After this step of depositing money which takes place in the upper part of the machine where the slots are located, the means of payment selected use gravitational force (for energy saving reasons) to fail in the slots. boxes reserved for them in the lower part of the machine.

The machine has four storage boxes for the means of payment, two of which are for the 40 local banknotes, one for foreign currencies (banknotes) and another reserved for coins. Only banknotes that are not accepted can be rejected through the ejection slot of the automatic machine.

The disbursement function

This function, also reserved for the automatic machine, is exerted through the ejection slot which is designed to eject only banknotes. In the case of receiving money or withdrawing money from an account, for example, the user, after entering the amount & withdraw into the machine, the transfer code or the account number as the case may be, receives the requested amount, automatically counted and then ejected from the eject slot. The automatic machine does not reimburse or pay for coins.

The currency exchange function

This function, exclusive to the automatic machine, gives it the possibility of selling foreign currencies to its customers. Each partner bank of the platform periodically adjusts the software parameters according to the exchange rates of foreign currencies (Dollars, Euros) that it intends to sell on the technological platform.

After tapping on the "Change" icon that appears on the screen, the user is invited to choose from the banks that appear, the one from which they wish to buy their currencies. Then, he is asked to enter into the machine the amount he wishes to change. Each time the amount is entered, it automatically appears on the screen, the applicable exchange rate of the day, the funds & collect by the bank and the corresponding amount in currency & receive. If the user validates the amount to be deposited, the machine asks him to introduce it through the appropriate slot; this action automatically triggers the ejection by the payment slot of the currency purchased, then a receipt for the transaction.

g) The editing and printing function

This function is performed by a special printer with several trays, housed in the lower part of the automatic machine, parallel to the compartment for the arrangement of the boxes, access to which is secured by an electronic key and whose visible outlet is the slot for printing by which the printed documents are discharged.

The special printer delivers receipts for banking operations: whatever the operation (money transfer, deposit into account, withdrawal, or opening of an account), the machine delivers through the printing slot, a receipt for the transaction of classic dimension and on which is included important information for cases of complaints or for future transactions. This information, which differs depending on the type of operation, is as follows:

The name and logo of the bank guaranteeing the transaction; the type of operation performed; the date of the transaction; the number of the machine that performed it; the surname, first name and telephone number of the applicant; the city and country of the applicant; the name, first name and telephone number of the beneficiary; the city and country of the beneficiary; the amount of the transaction; the code of the transaction; the Personal Identification Number (case of 1 * "use). The amount in currency; the rate of exchange;

h) The information, communication and control function

This function is exercised through the screen, the loudspeaker or the telecommunications systems integrated into the platform: the loudspeaker retransmits voice messages pre-recorded in the platform and which aims to guide the user through the different stages of sound. surgery

The integrated telecommunications system in the form of intranet, internet, USSD, SMS or other, allows the elements of the platform to communicate with each other, to inform users or to set up an interactive dialogue with them Through the screens of the terminals primary or secondary, in order to meet or facilitate their operational needs.

t

By way of illustration, in the case of an operation of sending money, the automatic machine, just after the delivery of a receipt to the sender, automatically triggers an SMS message in the direction of the recipient's telephone number. , to inform him of the transaction.

Said message carries the following information:

* The name and logo of the transaction platform; the type of operation performed; the date of the transaction; the place of payment; the surname, first name and telephone number of the depositor; the city and country of the applicant; the amount of the transaction; the code of the transaction.

Furthermore, all the elements of the technological platform communicate with each other and, if necessary, with the outside, thanks to a secure VPN (VirtualPrivate Network) internet connection.

All data relating to a transaction recorded in the platform can be available in real time on all interfaces. As such, the information function offers traceability which makes the platform and the automatic machine a formidable instrument for controlling banking operations.

$ 1 This availability of information in real time makes it possible to provide a detailed inventory of the operations carried out by the terminals; it also facilitates the maintenance of automated, reliable and up-to-date statistical reports and definitively resolves the problem of the anachronism of statistics, at the origin of slow or late strategic decisions.

The management of such a database supposes the mastery of certain constraints, in particular:

2o The constraints related to the interoperability of the open source computer system "),

- constraints relating to taking into account the environment (adaptation to current and future technologies), its management and configuration,

- constraints related to the use of tools or databases; it should also focus on the security aspects of the system such as the physical security of automatic insurance machines, authorization issues, data confidentiality, data integrity, non-repudiation of data, user authentication, system availability and permanence, system performance management (system load and reaction time)

The internet connection of the platform must be characterized by:

Deployment of replicated servers, behind a firewall, with two instances of MySQL databases configured in replicated and synchronous mode.

The security configuration stratified as follows:

• Network level • Operating system level • Web server level • Application level

A secure service (create a community of waterproof sites on a controlled IP network)

Dynamic creation and personalization of VPNs (Virtual Private Network) (capacity of the network to adapt to partners and & organization of the technological platform)

High availability of the computer system

The high quality of technical equipment (servers)

ί) The safety function

Notwithstanding the IT security devices of the platform as a whole, this function particularly manages security problems that may physically affect the automatic machine:

The first level of safety is illustrated by this GPS device incorporated into the machine, which allows it to be traced;

a shrill sounding alarm, which is triggered automatically when the machine is installed and programmed, is moved a certain distance, without having been previously deprogrammed, or when certain accesses and secure compartments are forced.

The second level of security relates to the electronic opening of the lower compartment housing the bill / token boxes and the special printer.

The third level concerns the nut systems located at the four corners of the base of the machine, thanks to which it can be fixed to the ground. Otherwise, the particular shape of the automatic machine will allow it to be easily walled up.

The compartment through which the boxes are refueled or emptied has rear access secured by an electronic lock, the code of which can be changed if necessary, by the authorized representative approved by the platform.

j) The economic function

This function is illustrated by the devices for saving and conserving the energy of the machine, in particular, the device relating to the battery incorporated in the lower part of the machine, having an autonomy of at least 4 hours, and the device for transferring by gravity the money introduced into the deposit slot to the storage boxes.

These devices aim to adapt the automatic machines both to optimal operation in both urban and rural areas, preventing the consequences of recurrent power cuts in the countries of the CFA zone.

The other illustration of the economic function of the platform consists in making possible, thanks to the mobile application, the majority of the steps of the operations on the secondary terminals (Smartphones, tablets or computers); so only use the main terminal for the ₃ q tasks that can not be made by these secondary terminals, namely the tasks of collection, disbursement and exchange, as well as print jobs for the The operation started on the secondary terminal continues on the primary terminal, by entering into the automatic machine the continuation code produced by the secondary terminal. This method saves time and optimizes the productivity of automatic machines.

In addition, the economic function confers the multi-operability of the automatic machine, which, thanks to the concept of “sharing ecortomy” on which it is based, can be shared by several partner companies interconnected by means of dedicated, secure and waterproof communications.

Π-4-2- The automatic machine operating in insurance mode

When the automatic machine's operating mode is managed by the platform's 0 insurance software, it has the following advantages for the insurance industry:

❖ Improving the ubiquity and penetration rate of insurance services, bringing these services closer to the people;

❖ Improving the traceability and transparency of insurance operations thanks to the constitution of a reliable database ❖ Reducing human errors, counterfeiting, fraud, theft and embezzlement in the management and handling of premiums or documents from insurance companies;

❖ Strengthening the security of documents and receipts;

simplification of insurers' "processes" and improvement of time and quality of services;

❖ The protection of insurance companies against the risk of insolvency of intermediaries;

❖ Improving the premium collection rate;

❖ Reduction of overheads for insurance companies and intermediaries;

❖ Compliance with the harmonized automobile insurance tariff;

❖ The development of microinsurance in the markets of the CIMA zone and in African countries with the same economic profile;

<· Reduction of premium arrears;

<Reduction of late claims

In insurance mode, apart from the exchange function, the automatic machine uses the same functions as those described in bank mode, the characteristics of its functions are very often the same; however, some effects produced and operations differ

Using the platform's insurance software, the automatic machine, which intends to gradually open up to new operations, offers, for a start, the following:

automobile insurance underwriting operations (single-vehicle contract and fleet contract);

Automobile accident declaration operations;

Universal health insurance subscription and contribution operations;

Marine insurance underwriting operations;

Travel insurance underwriting operations;

Funeral insurance underwriting operations;

Pension insurance subscription and contribution operations;

Operations for withdrawing premium shares from insurance companies and withdrawing commissions from intermediaries.

All these operations are carried out thanks to the following different functions:

a) The selection function

In insurance mode, the selection function is exerted through four parts of the automatic machine: the selection keys, the screen, the keyboard and the built-in GPS.

The built-in GPS allows the machine to automatically select the risk underwriting zone (ZONE A, ZONE B or ZONE C) which is a determining factor in risk pricing. This trick allows the machine to automatically manage the “de-zoning” fraud practiced by many rogue insurers.

With the help of the selection keys, the user is invited to select the offers that appear on the screen of the automatic machine or the secondary terminal, relative to the languages of operation, the types of operation and the companies. partner insurance approved and pre-registered in the 40 database of the technology platform;

Regarding single-vehicle contracts,

For the subscription of a single-vehicle contract, the screen offers the user the icon "yes" and "no" to answer the question of whether he "received, read and approved the general conditions] automobile insurance ”, which are published on a website of the platform!

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technological. To continue his operation he must select the “yes” key; the "no" key, instead inviting him to read the said document before initiating his operation.

The selection keys also allow the user to choose from the icons that appear on the screen, the category which corresponds to that of the vehicle to be insured and which appears on the gray card; the different categories presented on the screen are as follows:

Category I (passenger vehicle)

Category II (Commercial or utility vehicle)

Category III (Public Transport of Goods-TPM)

Category IV (Public passenger transport - TPV)

Category V (Vehicle & two wheels)

Category IX (Mobile construction machinery)

Other categories

By pressing the key corresponding to category IV, three sub-categories appear on the screen:

• Category IV A (City taxi)

Category IV B (Intercity transport)

Category IV C (Transport of staff or students)

The button corresponding to "Other categories" displays the other categories which are not yet displayed:

Category VI

Category VII ()

Category VIII0

Category

The selection keys are also used to choose the energy consumed by the vehicle to be insured and which determines the applicable tariff: diesel or gasoline.

If the vehicle to be insured belongs to category IV vehicles, a table in two columns is displayed on the screen: the first, determining the different numbers of places in the vehicle, provided for by the automobile tariff and the second indicating the tick space. By using the selection key, the insured checks the box corresponding to his vehicle.

Regarding category V vehicles, a table appears on the screen with 3 columns: the first defines category V vehicles for personal use, the second indicates the different possible displacements of the vehicle proposed by the tariff and the third defines vehicles for commercial use: the user uses the selection key to check the box in the column for the use of the vehicle which corresponds to the cylinder capacity indicated on the vehicle registration document.

Also, the user uses the selection key to answer "yes" or "no" in the following cases:

The use of a trailer by vehicles of cat IV, VI, VII, VIII, X,

The transport of a flammable substance for vehicles of categories II and ΠΙ.

By the same mechanism, he must choose the premium reduction or increase factors which appear on the screen and which correspond to the vehicle or which characterize the usual driver, in particular: L

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License under 2 years old • Driver under 25 years old

Member of the clergy

Medical delegates, advertising agents or business agents

If none of the factors offered on the screen corresponds to the insured's situation, he selects by pressing the "none" key

The user will also have to choose from the insurance companies that appear on the screen, those that best meet their aspirations; if none of those presented suits him, he will only have to press the "Others" button to discover new proposals. However, if no choice is made, the screen will return to the previous poster until a choice is made.

The choice of the insurance company is made, it is presented successively on the screen of the terminal, the offers of the company chosen in relation to the additional guarantees offered, as well as the corresponding premiums that distinguish them from other companies:

ν 'For all categories, the amount of the “defenses / recourse” cover and the corresponding premium;

ν 'For category ΙΠ vehicles and above (not including categories V and VIII), the amount of cover and premiums corresponding to Death, Individual accident and Treatment costs for the “individual driver” or “individual passenger” cover ;

ν 'For category I, II, VIII vehicles, the amount of Death, Individual accident and Treatment costs capital as well as the corresponding premiums.

If the user is not satisfied with the end of all these proposals relating to additional guarantees, all he has to do is press the "start over" button to select another insurance company and see the offer it offers.

In addition, to have a percentage reduction applied to the net premium, the user chooses, depending on the risk history in the platform, to select the key corresponding to the “Bonus for non-claim” or “reduction” icon. fleet ”, if he has at least 2 vehicles insured in the same company of the platform.

The user, according to his needs, also chooses his insurance period from the five icons that appear on the terminal screen, in number of days of coverage: 1 to 60 days; 61 to 120 days; 121 to 180 days; 181 to 240 days and 241 to 365 days.

After this step, fl is displayed on the terminal screen, the premium to be paid that the user must accept or refuse using the keys corresponding to the "pay premium" or "modify" icons. By pressing this last key, the machine offers the user, if necessary, to reduce the amounts of additional guarantees to reduce the amount of premiums.

With regard to fleet automobile contracts,

Although the subscription of a vehicle fleet is possible on the automatic machine, it is more practical given the numerous tables to be filled in, that it is carried out for the main part of the steps, on the secondary terminals, in particular Smartphones, tablets and computers.

In this case, the selection keys are mainly used to move with the cursor in the successive tables displayed on the screen, thanks to the orientation icons: & by way of illustration, once the cursor is positioned, the user presses the “modify” icon to obtain better guarantees compared to the minimums offered by the chosen insurance company; these guarantees are displayed in a table having in the first column the categories of vehicles, in the second column the serial number of the vehicle, in the third column the corresponding registration number and in the abscissa the amounts of the RC / RTI guarantees, Defenses / Recourse, Individual driver and Individual Person Carried (IPT), if applicable.

When the premiums have already been calculated, the user is invited to mark in the table shown on the screen the modulation factor that best corresponds to his risk: this table presents on the ordinate 5, the categories of vehicles and on the abscissa , the risk increase and decrease factors which are as follows:

• Reducing factors: bonus for non-claim, Low risk profession

Major factors: Driver under 25 years old, driving license under 2 years old, High-risk profession, Malus for high claims.

In other cases, the cursor positioned on information icons, allows you to enter information requested for the risk rating.

b) The function of entering customer data

In insurance mode, this function is performed by the same components of the machine as in bank mode, in particular, the keyboard, the selection keys and the screen.

The user must enter into the platform, the information that corresponds to that required in the forms for insurance proposals. This information requested & through the screen, relates to the insured, the characteristics of the risk to be insured and, where applicable, the intermediary, in particular:

The surname and first name of the insured; the insured's telephone number; the name and first name of the subscriber; the subscriber's telephone number, the surname and first name of the intermediary; the intermediate code; the telephone number of the intermediary; the desired effective date; the desired length of coverage; the type of vehicle; the make of the vehicle; the registration number or chassis number of the vehicle; the type of vehicle; the power of the vehicle; the total loaded weight of the vehicle.

Whether or not there is an anticipation of the claim.

This function is widely used in vehicle fleet contracts, & because of the complexity of the tables to be completed:

The first input table contains on the y-axis the different categories that make up the fleet and on the x-axis, the quantity, type, make, registration or chassis number and the area of activity of the vehicle;

The second table that follows, displays on the y-axis the categories previously entered and on the x-axis the quantities and registrations already entered to which are added the power, the energy consumed, the total load, the transport of flammable material and the number of seats.

c) The digitization and data recording function

In insurance mode, vehicle and driver parts are fed into the scanning slot, scanned and saved in the platform; this is the national identity card of the subscriber (if it is a natural person), the list of vehicles (according to the model provided by the platform), the gray cards of the vehicles to be insured and the licenses of the drivers 0 of the said vehicles.

These documents can also be scanned by means external to the automatic machine, before being sent over the internet to the technological platform, in particular smartphone cameras, external scanning devices, h "

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d) The function of scanning and recording bfomefric data

In insurance mode, this function produces the same effects and results as in banking mode: the subscriber's fingerprint is scanned and recorded in the platform's database, in order to certify and authenticate the choices made, the information entered or scanned and the insurance contract.

For certain operations, in particular the disbursement of commissions from intermediaries or the payment of the co-insurance quota, the user is invited to attach the camera for the digitization of a 4x4 photo which will be used to identify the operator and authenticate the transaction.

e) The calculation function

In insurance mode, the calculation function obeys the same principle as in bank mode: the data entered in the machine or in the secondary terminals which correspond to the characteristics of the insured and his risk, are processed according to the tariffs or the scales configured in the platform. The latter therefore operates a direct reading and automatically communicates via the terminal screen, the results, in particular: the premiums to be paid, the commissions of any intermediaries or the expected co-insurance shares.

Each partner insurance company introduces into the platform the specifics of its rate according to the targeted insurance branches. In the context of automobile insurance for example, based on vehicle and driver data, the software automatically calculates the basic premium which corresponds to the basic guarantees which are: the "Civil liability and third party fire remedies" guarantee added & the “Recourse defenses” cover and, where applicable, the “Individual Driver” and “individual transported” cover.

The additional premiums will be added to the basic premium as the user requests optional coverage (theft, fire, collision, third-party collision, broken glass). The sum of the premiums will generate a net premium that can be adjusted according to certain factors of increase or reduction of the premium:

> The premium reduction factors are in particular, the bonus for non-claims, the socio-professional category (member of the clergy) and the fleet (from 2 vehicles);

> The increase factors, for their part, concern the penalty for claims, the socio-professional category (business agents, medical representatives, advertising agents), the age of the driver (under 25) and the age of the driver's license (less than 2 years old);

After this step, the software will automatically calculate the net premium for the fleet, by multiplying the period of coverage chosen by the subscriber by the sum of the premiums for all vehicles in the fleet resulting from the various tables. The net premium thus calculated will induce, according to the rates specific to each insurance company, accessories, file fees, then the resulting VAT.

Finally, the All Taxes Included Premium to be paid will be automatically calculated by the software, by adding the net premium, accessories, file fees, VAT, pink card and automobile stamp duties.

With regard to intermediaries 'commissions or co-insurers' share quotas, the contracts between the latter and the insurance companies, defining the terms and the method of distribution of premiums, will be introduced into the platform which thus configured, allows automatically calculate at each production, the share that each partner can directly recover in the automatic machine. L%

f) The cash-in and cash-out function

The use of this function is the same as in bank mode: through the deposit slot users deposit the amount of the premium to be paid or receive their intermediation or co-insurance commissions through the ejection slot.

In insurance mode, the main purpose of the automatic machine's collection function is to avoid the manipulation of premiums and cash by employees or intermediaries, causing human error, embezzlement, theft and no repayments.

It is the outcome of this function which triggers or not the printing function: this is how the automatic machine is designed, so as not to issue insurance contracts, 0 certificates or insurance certificates. and receipts, only after the machine has actually cashed the corresponding premium; except special dispensation introduced by a proxy approved by the platform (combined “prepaid” and “postpatd” system).

As for the disbursement function, it allows each participant in the production chain (insurer, Co-insurer, intermediary), to receive & time from the automatic machine, his share of the premiums that he has helped to collect. , and this, in accordance with the agreements existing between the parties and the terms of which are set in the technological platform.

Seen from this angle, the automatic machine appears to be an effective tool for safeguarding the interests of players in the sector; in that it guarantees their respective premium quotas while protecting each other from the risks of insolvency that threaten the stability of companies.

As the machine now deals with aspects related to payment, premium security and the keeping of statistical reports, insurance intermediaries now have more time to focus on their business roles.

g) Editing and printing function

In insurance mode, the same special printer described in bank mode prints the 5 transaction documents, in particular, the special conditions, insurance certificates, pink cards, insurance certificates, receipts, receipts of claim and others. This function can only be executed by the automatic machine.

Only the user with the electronic key can access the lower compartment of the automatic machine and store in the respective trays the printed documents of the transaction documents 0 mentioned above and which will be printed and ejected from the printing slot only if the user has paid the premium corresponding to his operation

Said special printer prints on each transactional insurance document an inimitable special code that distinguishes it. Securing its access allows the insurer to control the documents that are introduced into its bins and to make inauthentic documents printed cn 5 outside the automatic machine, so as to reduce document theft, false documents and backdated. .

In order to facilitate the control of the authenticity of the documents printed by the automatic machine, we are considering alpha numeric codes that can be printed on these documents and can be sent by SMS to the technological platform; the result of the request will follow instantly

The other particularity offered by the special printer in insurance mode is this subordination of the printing function to the collection of premiums: the transactional documents of the aforementioned insurance can only be printed if the automatic machine has actually cashed. the premium corresponding to the transaction carried out, h—

This configuration aims to ensure compliance with the provisions of Article 13 of the CIMA Code relating to the payment of premiums and & to prevent the risks of insolvency at the origin of numerous sanctions for insurance companies.

h) The information, communication and control function

This function too, is performed as in bank mode:

Thanks to the internet or any other efficient communication system, all operations started for practical reasons on a secondary terminal can be continued on the automatic machine, in particular with regard to the payment of premiums and the printing of documents.

Each partner insurance company connected to the platform under the "Sharing economy" model has dedicated access which allows it, through its interfaces, to access and manage information about its company in a sealed manner.

In insurance mode, one of the peculiarities of this function lies in its commercial dimension, in that the platform and the automatic machine can be programmed in such a way as to automatically restart by SMS or any other means, customers whose contracts are about to expire. , or to inform them of the level of progress of their claims.

The platform and the automatic machine also constitute a formidable instrument for controlling insurance operations, given that they have the capacity to produce in real time to authorized persons, reliable information relating to the persons and goods insured, in particular, the policyholders. , the beneficiaries of the contracts, the policy numbers, the dates (deadlines, expiration, claims reporting, occurrence of claims, and others), the platform user agents (administrators and other authorized persons), agencies, intermediaries, the amounts of the premiums, the accessories, the amount of the pink card, the amount of stamp duties, etc.

This availability of data in real time makes it possible to provide a detailed inventory of the operations carried out by the terminals; also facilitates the maintenance of automated, reliable and current statistical reports and definitively resolves the problem of the anachronism of the statistics of the insurance markets of the CIMA zone, at the origin of slow or late strategic decisions.

i) The safety function

This function is the same as in bank mode, with the only difference that the access to the compartment in which the special printer is placed is located to the left of the machine. This compartment is secured by an electronic lock similar to the one that protects access to the bill and token boxes.

j) The economic function

In insurance mode, this function of the automatic machine operates on the same principle as in bank mode.

The user who has carried out the majority of the steps of his operation on his Smartphone or his computer, enters his continuation code into the automatic machine to pay his premium and obtain transaction documents (special conditions,> insurance certificates, certificates of insurance, pink cards, receipts etc ...) l ·) *

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II-4-3- Composition and characteristics of the automatic machine (see Plates I and II)

a) Composition of the automatic machine

J. The keyboard

Π can be classic or tactile; it allows the customer to enter the data they want in the platform.

2. Selection keys

There are 8 of them and allow the user to select the data that is displayed on the screen.

3. The screen

Π allows the customer to view instructions, operations and transactions.

H breaks down into an assembly of displays which are:

- A message or information display; An operation display; A cut-off display (informing the customer of the various cuts available to him)

4- The electronic pen

It is placed under the screen and is connected to the machine by an ultra-resistant cord Π also allows the customer's signature to be collected on the touch screen.

5. - Document and parts scanning slot

The documents which are fed into this slot are scanned, saved in the platform, and then ejected through the same slot.

& The banknote deposit slot

They are responsible for receiving the deposits of notes. This entire system has the following components:

• A banknote reader; a counterfeit banknote detector; an automatic bill counter; a built-in calculator

7. The coin deposit slot

Π allows the customer to deposit the coins

8. The Special Printer Compartment

This is the compartment that houses the special printer with several paper size trays corresponding to those of the insurance certificates, rose card, special conditions and receipt or receipt:

9. The built-in camera

It is placed at the front of the machine and is used to take a photo of the user, scan it and save it in the platform

The camera can be associated with an iris recognition system to better identify the customer and better authenticate transactions, jv

JO. The fingerprint recorder

It is used to scan the user's fingerprint and register it in the platform's database.

The recording of this biometric data, in particular fingerprints (algorithmic type 5), can be done on an electronic device incorporated in the machine or by placing the finger & scanner at the place indicated on the touch screen of the automatic machine.

IL Integrated communication system

The automatic machine has communication systems (Internet, intranet, SMS, GPRS, USSD and others to come) which facilitate, on the one hand, communication between the elements of the platform and, on the other hand, communication between the platform and outdoor systems.

12. The data processing system

This is the heart of the automaton: it performs the verification, authentication and operations requested by the customer. Π has several components which are:

- A business management body; a retail organ responsible for the reconstitution of the amounts obtained between the cuts; a composing organ which gathers all the details made on the cuts; a debtor body that modifies the customer's account balance; an authenticator who verifies the authenticity of the data entered or recorded; a breaking device which gives the value of the cuts; an account verification body that determines whether the account is provided.

13. The support

The support is the base of the machine; it carries 4 nuts which allow the machine to be fixed to the ground, when it is not walled in.

ld. High bettor and sound alarm against theft

The loudspeaker serves to vocally guide the user in his operations, it turns into a very loud audible alarm, if the device is moved without digitally deactivating the device or if the device is subjected to violence.

15. Print slot

The banking receipt and insurance transaction transaction documents are ejected through the print slot

16. The built-in battery

Inside the holder is the built-in battery that allows the machine to operate in the event of a power cut.

17. The trunk compartment or token box

Π is located just below the special printer; the box it houses is responsible for collecting by gravity the coins introduced through the token slot. I

18. The compartment for chests or cash boxes

It is adjacent to the printer compartment and the token compartment; the boxes it houses are responsible for collecting by gravity the banknotes deposited through the banknote slot.

b) Characteristics of the automatic machine

Dimensions of the machine

Autonomy

Customer interface

Embedded printer

Energy consumption level

Secure access with electronic key on the left of the machine Several printing trays (4),

Claims (10)

ΙΠ- CLAIMS 1- An automatic machine connected by intranet, internet, SMS, USSD, GPRS as main terminal, to a technological platform whose specific software allows it as much as secondary terminals (smartphones, tablets and computers), to operate as desired of the user, as a special automatic teller machine or as an automatic insurance teller, for the automatic realization of banking and insurance operations. 2- An automatic machine according to claim 1, characterized in that it is provided with a scanning slot, comprising an optical character recognition device (Optical Character Recognition), scanning and recording in the platform, documents and documents necessary for the identification and assessment of the customer or the risk, with the aim of justifying a banking or insurance transaction. 3- An automatic machine according to claim 1, characterized in that it is provided with a banknote deposit slot and a coin introduction slot, arranged at its upper part for the sake of consumption of the 'energy, so as to allow the silver thus deposited, to use the gravitational force to fail in the various storage boxes which are reserved for them in the lower part of the machine. 4- An automatic machine according to claim 1, characterized in that it comprises a special printer with several trays, with secure access, which can in addition to receipts for banking transactions, deliver the transactional insurance documents by providing them with distinctive marks , visible or invisible and inimitable; the secure access of the printer and the distinctive mark on the documents contribute to a better control of the quantity and the quality of the printed documents, so as to make inauthentic the documents printed outside the automatic machine and consequently to reduce the cases document theft, false documents and backdated documents. 5- A special printer according to claim 4, characterized in that the printing function is subordinate to the successful outcome of the collection function 6- An automatic machine according to claim 1, characterized in that it has a GPS linked to the insurance rate integrated into the platform. 7- An automatic machine according to claim 1, characterized in that it has a strident sound alarm connected to a GPS, which is triggered automatically & through the speaker, in the event of undue movement or in the event of violence on the Automatic machine. 8- An automatic machine according to claim 1, characterized in that the incorporated camera is no longer a simple means of securing the machine or the user, but above all a means of collecting data to be recorded in the machine and necessary the outcome and safety of the operation. 9- An automatic machine according to claim 1, characterized in that it is provided at its base with a battery, detachable, rechargeable outside the machine and having an autonomy of at least 4 hours after the rupture of the electric energy. 10- An automatic machine according to claim 1, characterized in that it has next to the screen, an electronic pen connected to the machine by an ultra-resistant cord and usable to affix the customer's signature on certain transactional documents, via the touch screen.