RU114542U1 - SELF-SERVICE TERMINAL - Google Patents

Abstract

The terminal (hardware and software complex) express payments, cash transfers and cash loans, designed for quick cash self-service for individuals, without the participation of a cashier (person) present at the place of service.

The utility model solves the technical problem of the possibility of transferring cash and issuing cash loans through self-service by the client, and the cashier (employee of the organization) present at the place of service not participating.

Analog devices, payment acceptance terminals, ATMs are known, the disadvantage of which is the lack of devices: for identifying a person in the form of web cameras for photographing a client’s face and client’s passport; as well as for concluding a loan agreement at a place near the terminal in the form of a printer for printing out a loan (transfer) agreement of money and additional software providing the possibility of electronic, handwritten signature of the client on the touch screen, followed by its comparison with the signature in the passport and the location of the signature on the documents ( agreement) confirming the transaction. The absence of these devices limits the possibility of transferring cash, with their subsequent receipt through a terminal located in any other place, without the use of bank credit or deposit cards, as well as the possibility of full processing and issuance of cash loans in cash without using bank credit or deposit cards, by self-service by the client, without participation at the place of service of an employee of the organization issuing loans.

The claimed utility model solves the technical problem of the possibility of transferring cash, with their subsequent receipt through a terminal located in any other place, without using bank credit or deposit cards, as well as the possibility of full processing and issuing of cash loans in cash without using bank credit or deposit cards, through self-service by the client, without participation at the place of service of an employee of the organization issuing loans. By installing the following additional technical devices in a single hardware-software complex and synchronized operation: two web cameras for photographing a client’s face and client’s passport; a printer for printing out a loan (transfer) agreement of funds and additional software providing the possibility of electronic, personal signature of the client, followed by its comparison with the signature in the passport and the location of the signature on the documents (agreement) confirming the transaction.

The terminal (hardware and software complex) express payment acceptance, cash transfer and cash loans, illustrated by the drawings and works as follows.

An external terminal operation scheme (see Figure 1) consists of a client, a terminal, and a remote server. The client gives commands to the terminal, the terminal processes them and sends them to the remote server via the Internet communication channels, the remote server gives back commands to the terminal via the Internet communication channels, the terminal processes the commands and continues to interact with the client through the terminal devices.

The internal circuit of the terminal consists of a set of devices interconnected by cable through the system unit, the order of operation of which depends on the commands received from the client and the remote server.

The main devices of the terminal and their purpose:

1. The metal case with the necessary technological holes serves for mechanical, screw connection of all devices into a single hardware-software complex and restrictions on external access to the terminal's internal devices;

2. The system unit serves for the primary processing of received commands from a client or a remote server and synchronizes the operation of all hardware devices, containing a LGA 775 motherboard compatible, Intel Celeron E1500 processor (2200MHz LGA, L2 512 Kb, 800MHz) (or equivalent) Titan DC cooler -775Q925X / R, DDR2 512Mb RAM PC2-6400 800MHz DIMM Kingston, KVR800D2N6 RAM, Power Box PB350W power supply unit (or equivalent), Seagate Barracuda 7200.12, 7200rpm, 8Mb, ST3160318AS 160Gb hard drive (or similar);

3. GSM modem iRZ МС52iТЗ (or equivalent) is used to transmit and receive information via Internet communication channels between the terminal and the remote server;

4. LCD Monitor 17 "Acer V173 A (or equivalent) equipped with Espada 17SAW 6 touch glass (or analog) is used to visually provide information to the client and select client commands through tactile exposure of the fingers on the monitor screen, as well as for electronic, handwritten signature of the client on the touch screen;

5. CashCode SM bill acceptor with a cassette for warehousing for 1,500 bills - 2073RU1616 (or equivalent) is used to receive banknotes from a client and store them in a cassette;

6. The Citizen SM2000 thermal printer (or equivalent) with a paper tape bobbin serves to issue a paper receipt containing transaction data;

7. The device for issuing banknotes Puloon 2000 (or equivalent) is used to issue banknotes to the client upon receipt of a command from a remote server through the terminal system unit;

8. Uninterruptible power supply UPS PowerMan 500VA is used for safe and uninterrupted operation of the terminal, regardless of interruptions in the electrical network;

9. The Logitech HD WebCam C270 webcam (or equivalent) is used to photograph the face of the client for the purpose of identification;

10. The Samsung ML-1630 printer model (or equivalent) is used for printing on paper and issuing to the client a copy of a loan or money transfer agreement;

11. The case fan 80 × 80 × 25 serves for the necessary air ventilation of the equipment inside the device;

12. The line filter serves to compensate for surges in the electric current supplied to the device;

13. A local outlet is used to connect devices to the electrical network;

14. Backlit webcam, Logitech HD WebCam C270 (or equivalent) is used for photographing a passport in order to identify a person and sign a client;

Description

The terminal (hardware and software complex) express payment acceptance, cash transfer and cash loans, is used in the field of technical devices designed for quick cash self-service for individuals in the form of payments, cash transfer and cash loans, without the participation of a cashier (person) present at the service site.

The essence of the utility model lies in the fact that the specified technical result is achieved by installing the following additional technical devices in a single hardware-software complex: two web cameras for photographing the face and passport of the client; a printer for printing out a loan (transfer) agreement of funds and additional software providing the possibility of electronic, handwritten client signing on the touch screen, followed by its comparison with the signature in the passport and the location of the signature on the documents (agreement) confirming the transaction.

A well-known system of cashless payment of food in the organization (patent for utility model RU 105764 U1, G06Q30 / 00), containing the workplace of the contractor, the workplace of the cashier, equipped with a device with software for the functions of identification of a member of the organization and the cashier’s access to the local database of ready-made meals , with a system server with its means of communication with the workplace of the contractor and the place of the cashier, combining them into a local network.

In this solution, the terminal is made in the form of a computer device with touch input of information, including an identification device by an individual information carrier, while the terminal is equipped with software for identifying a member of the organization and accessing it to the internal payment system. For public printing purposes, the system has an operator serving the multifunction device. He also serves as a cashier. In many forms of execution of that system, the operator sees, and, theoretically, can change the printed document, which may not be desirable to the user of this system. At the same time, there are also disadvantages associated with limited time (not round-the-clock) access to this service and, in addition, personnel wage costs significantly increase the costs of organizing such processes, which in turn increases the final cost.

The disadvantage of this non-cash payment system is the additional attraction of human and technical resources, the need for the presence of a cashier and the cumbersome technical solutions of the system.

The well-known "Multifunctional terminal" (patent for utility model RU 94035 U1, G07F11 / 00), which refers to self-service terminals, mainly to payment terminals, and can be used as a device that can scan, print and photocopy user documents. The multifunctional terminal is made on the basis of an anti-vandal case, which houses the power subsystems, a computer, a monitor, a bill acceptor, a wired and wireless communication device, a copy module, which is located in an anti-vandal case with a cover made with the possibility of blocking.

The disadvantage of this multifunctional terminal is its narrow, limited functionality.

The closest in technical essence (analogue) to the claimed utility model is the "Device for receiving payments using electronic cards and cash" (patent for utility model RU 108176 U1, G06Q30 / 00) - a terminal containing a housing with a top, side and front panels. On the front panel there is a computer keyboard with a group of mode selection buttons, a receipt receiving tray, a coin receiving tray, a bill acceptor input, a receipt and deposit receipt tray, a card reader input, a lock and a display located in a front panel niche. Under the niche are the computer keyboard and coin receiving tray. At the same time, cooling means openings are made in the upper panel, and cooling means, a coin dispenser, a receipt scanner, a receipt printer, a modem, a computer, a coin drive, a coin acceptor from the coin receiving tray, a card reader, a bill acceptor, a receiving cassette for banknotes and coins, a dispenser are placed inside the case bills and uninterruptible power supply. The coin dispenser, scanner and modem are located directly under the top panel of the case. The computer is located below the coin dispenser, from which a coin drive is laid in the check and delivery tray. On one side of the coin drive there is a receipt printer, and on the other a coin acceptor, under which a bill acceptor and a receiving cassette for banknotes and coins are placed at one of the side panels. On the other side panel under the printer, a bill dispenser and an uninterruptible power supply are installed. The device is equipped with an antenna mounted on the top cover, while the antenna and modem are configured to connect to a server of a credit institution, for example, via the Internet.

The disadvantage of this technical solution is the cumbersome display system of information, the limited ability of the user to manage and receive the necessary services, as well as narrow functionality.

The technical result obtained by the implementation of the proposed technical solution is to expand the functionality of the terminal due to the possibility of transferring cash, with their subsequent receipt through the terminal located in any other place, without the use of bank credit or deposit cards, as well as the possibility of full registration and issuing cash loans in cash without using bank credit or deposit cards, through self-service by the client, without h participation at the place of service of the employee of the organization issuing loans.

The disadvantages of analog devices that impede the achievement of the technical result provided in this utility model are the lack of devices in them: for identifying the person in the form of webcams for photographing the client’s face and client’s passport; as well as for concluding a loan agreement on the spot, directly near the terminal, in the form of a printer for printing out a loan (transfer) agreement of cash and additional software providing the possibility of electronic, handwritten signature of the client on the touch screen, followed by its comparison with the signature in the passport and location signatures on documents (agreement) confirming the transaction. The absence of these devices limits the possibility of transferring cash, with their subsequent receipt through a terminal located in any other place, without the use of special bank credit or deposit cards, as well as the possibility of full processing and issuance of cash loans in cash without using bank credit or deposit cards , by self-service by the client, without participation at the place of service of an employee of the organization issuing loans.

The claimed utility model solves the technical problem of the possibility of transferring cash, with their subsequent receipt through a terminal located in any other place, without using bank credit or deposit cards, as well as the possibility of full processing and issuing of cash loans in cash without using bank credit or deposit cards, through self-service by the client, without participation at the place of service of an employee of the organization issuing loans. This is achieved by installing the following additional technical devices in a single hardware-software complex and synchronized operation: two web cameras for photographing the client’s face and client’s passport; a printer for printing a loan agreement or transferring funds and additional software providing the possibility of electronic, handwritten client signature on the touch screen, followed by its comparison with the signature in the passport and the location of the signature on the documents (agreement) confirming the transaction

The external circuit of the terminal consists of a client, a terminal, and a remote server. The client gives commands to the terminal, the terminal processes them and sends them to the remote server via the Internet communication channels, the remote server gives back commands to the terminal via the Internet communication channels, the terminal processes the commands and continues to interact with the client through the terminal devices.

The internal circuitry of the terminal consists of a set of devices interconnected by cable or busbar through the system unit, the operation of which depends on the commands received from the client and the remote server.

The main devices of the terminal and their purpose:

one. The metal case with the necessary technological holes serves for mechanical, screw connection of all devices into a single hardware-software complex and restrictions on external access to the terminal's internal devices; 2. The system unit serves for primary processing of received commands from a client or a remote server and synchronizes the operation of all hardware devices, containing a LGA 775 motherboard compatible, Intel Celeron E1500 processor (2200MHz LGA, L2 512 Kb, 800MHz) (or equivalent) Cooler Titan DC-775Q925X / R, DDR2 512Mb RAM PC2-6400 800MHz Kingston DIMM, KVR800D2N6, Power Box PB350W power supply unit (or equivalent), Seagate Barracuda 7200.12, 7200rpm, 8Mb, ST3160318AS 160Gb hard drive (or similar); 3. The iRZ MC52iT3 GSM modem (or equivalent) is used to transmit and receive information via Internet communication channels between the terminal and the remote server;

4. LCD monitor 17 '' Acer V173 A (or equivalent) equipped with Espada 17SAW 6 touch glass (or analog) is used to visually provide information to the client and the client selects commands by tactile exposure of the fingers on the monitor screen;

5. CashCode SM bill acceptor with a cassette for storing 1,500 banknotes - 2073RU1616 (or an analogue) is used to receive banknotes from a client and store them in a cassette; 6. The Citizen SM2000 thermal printer (or equivalent) with a paper tape bobbin serves to issue a paper receipt containing transaction data; 7. The Puloon 2000 banknote dispenser (or equivalent) serves to issue banknotes to a client upon receipt of a command from a remote server through the terminal's system unit; 8. Uninterruptible power supply UPS PowerMan 500VA is used for safe and uninterrupted operation of the terminal, regardless of interruptions in the electrical network; 9. Web camera Logitech HD WebCam C270 (or equivalent) is used to photograph the face of the client in order to identify the person; 10. The Samsung ML-1630 printer model (or equivalent) is used for printing on paper and issuing to the client a copy of a loan or money transfer agreement; eleven. The case fan 80x80x25 serves for the necessary air ventilation of the equipment inside the device; 12. The line filter serves to compensate for surges in the electric current supplied to the device; 13. A local outlet is used to connect devices to the electrical network; fourteen. A backlit webcam, Logitech HD WebCam C270 (or equivalent) is used for photographing a passport in order to identify a person and sign a client;

Claims (1)

1. Self-service terminal, containing in a single hardware and software complex, interconnected by cable through a system unit designed to process received commands from a client or a remote server issuing loans: a monitor equipped with touch glass and made with the possibility of electronic signature of the client, its subsequent comparison with the signature in the passport and on the documents (agreement) confirming the transaction, a bill acceptor with a cassette, a device for issuing banknotes, a thermal printer with a woman one for paper tape, a printer for printing out a loan or money transfer agreement, two webcams made with the possibility of photographing the client’s face to identify the client’s identity and signature, a printer, an uninterruptible power supply, a fan, a surge protector designed to compensate for surges in an electrical network, an outlet, a GSM modem, designed to connect the terminal to a remote server issuing loans.