RU124508U1 - SOFTWARE AND HARDWARE COMPLEX FOR ISSUING MICRO-LOANS - Google Patents

Abstract

A microloan issuing hardware and software system containing in a single hardware and software complex interconnected by a cable through the system unit a monitor equipped with touch glass, a bill acceptor with a cassette, a banknote dispenser, a thermal printer with a paper ribbon reel, a web camera, an uninterruptible power supply , GPRS modem, characterized in that for the identification and verification of the identity of the client, the hardware-software complex contains a scanner configured to receive an image of a document cops (passports) in several ranges: visible, infrared, ultraviolet, and with the ability to read and recognize a machine-readable line on the passport and information from the RFID chip of the passport; a device for issuing plastic cards and reading information from them; and is also equipped with an information input device (secure keyboard), a scanner and a printer for processing A4 documents (loan and / or money transfer agreements).

Description

The utility model relates to devices for registering a client and issuing a loan in a self-service machine, without the presence of a company employee (operator) at the point of issuing and issuing a loan, in a fully automatic mode, or with additional verification of borrower information by the back-office operator, and is applicable in the field of automation of activities microfinance and / or credit organizations.

The device "Self-service terminal" (Utility Model Patent No. 114542 RU) is known for express payments, cash transfers and cash loans, designed for quick cash self-service for individuals, without the participation of a cashier, containing in a single hardware-software complex connected between themselves by cable through the system unit: a monitor equipped with touch glass, a bill acceptor with a cassette, a device for dispensing banknotes, a thermal printer with a reel for paper tape, a printer for printing a loan or money transfer agreement, two webcams made with the possibility of photographing the client’s face in order to identify the client’s identity and signature, uninterruptible power supply, GSM modem for connecting the terminal to the remote server of the organization issuing loans.

It is also known device "Multifunctional self-service terminal" (Utility Model Patent No. 117670 RU - prototype), for transferring cash without using bank credit or deposit cards, with the subsequent receipt of cash loans through a terminal located in any other place, with the possibility of full processing and issuing cash loans in cash without using bank credit or deposit cards, through self-service by the client, without the participation of a credit institution employee ation. In this solution, the utility model is made in the form of a self-service terminal, containing in a single hardware and software complex interconnected by cable through a system unit designed to process commands from a client or a remote server of the organization issuing loans: a touch monitor made with the possibility of electronic signature of the client with 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, those printer with a reel for paper tape with the possibility of issuing a paper check containing the data of the completed transaction, and printing on paper and giving the client a copy of the loan agreement or transfer of funds, a web camera configured to photograph the client’s face and passport in order to identify the person and client signatures, uninterruptible power supply, GSM modem, designed to connect the terminal to a remote server of a credit organization.

A significant drawback of these devices is the unreliability of the client identification method, since it is impossible to determine the present document from a fake one from the passport photograph.

An important factor when applying for a loan is also the speed of decision-making and issuing loans.

In order to simplify the activities of microfinance (credit) organizations, the claimed Utility model solves the technical problem of remote identification and verification of a client’s identity, automation of processes for assessing a client’s creditworthiness and issuing a loan, as well as protection against the use of fake documents due to a unique way of verifying documents authenticity.

The essence of the invention lies in the automation of processes from identification and registration of a client, assessment of his solvency to the issuance of loans to him, and is aimed at reducing the time to several minutes from the moment a client submits an application to receive a loan by self-service, without participation at the place of service of an employee of the organization issuing loans.

A utility model is a device (a hardware-software complex) made in the factor of a payment terminal or ATM, and a software complex consisting of client software (software) and server software that records and stores data about clients and loans, and creates the possibility of automation processes of identification and registration of the client, assessment of his solvency and the issuance / repayment of loans.

This goal is achieved by the fact that the hardware and software complex for issuing microloans, containing in a single hardware and software complex interconnected by a cable through the system unit a monitor equipped with touch glass, a bill acceptor with a cassette, a banknote dispenser, a thermal printer with a reel for paper tape, web the camera, an uninterruptible power supply and a GPRS modem, further comprises a scanner configured to receive an image of a document / passport / in several ranges: visible, infrared, ultraviolet, and with the ability to read and recognize a machine-readable line on the passport and information from the RFID chip of the passport. At the same time, the hardware and software complex for issuing microloans has a device for issuing plastic cards and reading information from them; and is also equipped with an information input device (secure keyboard), a scanner and a printer for processing A4 documents (loan and / or money transfer agreements).

The inventive Utility Model is illustrated by the following drawings:

Figure 1. Image of the general view of the device (front view),

Figure 2. Image of the general view of the device (side view),

Figure 3. Flowcharts of the operation of the device,

where 1 is a metal case with the necessary technological holes; 2 - computer system unit; 3 - GPRS modem; 4 - monitor with touch screen; 5 - money receiving device (bill acceptor); 6 - a device for printing receipts (thermal printer) with a paper holder and paper tape; 7 - cash dispensing device (banknote dispenser); 8 - uninterruptible power supply (UPS); 9 - built-in video camera (Web camera) for photographing the face of the client; 10 - printer for A4 format for printing contracts; 11 - scanner for scanning A4 documents; 12 - a device for issuing plastic cards (card dispenser); 13 - passport scanner; 14 - information input device (secure keyboard);

The software package consists of client software, which is a menu for working with a device for registering, receiving and repaying a loan by a client, sends data to server software and receiving data back, and also works with equipment built in to the device for issuing and repaying a loan in cash, or using bank unnamed plastic cards.

The server software receives data from the device software, collects data about the borrower, both from open sources on the Internet and under agreements for the provision of information from the Credit History Bureau and other partners, makes a decision on the loan and assigns the maximum loan amount for the client. Server software accepts and approves or rejects applications for a loan from client software, stores data about the borrower and its loans, automatically calculates interest, amounts payable and stores other necessary information that allows a device with installed client software to register, issue and repayment of loans around the clock without operator intervention (see Figure 3. Block diagrams of the operation of the device).

The inventive Utility model, like the prototype, consists of a typical set of components for a self-service terminal assembled in a metal case (1) with the necessary technological holes, and consists of a system unit (2), a GPRS modem (3), a monitor with a touch screen (4 ), receipt printing devices (thermal printer) (6), cash receiving devices (bill acceptor) (5), cash dispensing devices (bill dispenser) (7), uninterruptible power supply (UPS) (8), built-in video camera for customer photographing (9) (See Figure 1. Front view; Figure 2. Side view).

Unlike the prototype, the utility model has a professional passport scanner (13) for obtaining an image of a document / passport / in several ranges: visible, infrared, ultraviolet, with the ability to read and recognize a machine-readable line on the passport, and information from the RFID chip of the passport. This allows you to distinguish this document from a fake. The Complex also contains a device for issuing plastic cards and reading information from them (12), an information input device (secure keyboard) (14) and is equipped with an A4 format scanner (11) and an A4 format printer (9) for processing and printing of contracts concluded with by customer.

The inventive Utility Model works as follows.

The external operation scheme of the Complex consists of a client, terminal and a remote server (see Figure 3. Block diagrams of the operation of the device). The client gives commands to the terminal (entering information), the terminal processes them (collecting and analyzing information, requests to a remote server via Internet communication channels, client identification), the remote server gives reverse commands to the terminal via Internet communication channels (confirmation / rejection of a request, client information ), the terminal processes commands (information) and continues to interact with the client through terminal devices and cellular telephone communications.

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.

After applying for registration, the server software analyzes the authenticity of the submitted documents, analyzes the creditworthiness of the borrower, and assigns the maximum loan amount for this client. The decision to issue a loan is made completely automatically based on the downloaded scoring cards in the server software, about which the client is automatically informed via cellular communication channels. After receiving a password to enter your personal account, the client can use the terminal at any time and receive a loan in automatic mode, as well as repay it. All this greatly simplifies the activities of microfinance organizations, in many cases, allowing you to replace the client office and back office of the company.

A significant difference of the claimed utility model is the presence of a professional passport scanner that allows you to receive a document image in several ranges: visible, infrared and ultraviolet light, as well as the ability to read and recognize a machine-readable line on the passport, and read information from the RFID chip of the passport. Obtaining such information significantly protects against the possibility of using fake documents, since such measures are widely used by state bodies of the Russian Federation to verify the authenticity of documents.

A possible implementation of the utility model is presented in the Specification (Appendix 1), where the main terminal devices and their purpose are indicated:

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 (MSI MS-7529 / Intel® Celeron 430 1.8 GHz 512K 800 MHz / RAM 1024 DDR / HDD 160 Gb) serves for primary processing of received commands from a client or a remote server and synchronizes the operation of all hardware devices;

3. GPRS modem (GPRS modem Cinterion BGS2T-232) is used to transmit and receive information via Internet communication channels between the terminal and the remote server;

4. The touch monitor (Monitor 19 "Dell E190S VK / VK with Mastertouch 19" touch glass and shock-resistant glass 6 mm) serves to visually provide information to the client, the client selects commands by tactile exposure of the fingers on the monitor screen;

5. Bill acceptor (CashCode SM bill acceptor) with a cassette for 1000 banknotes serves for receiving banknotes from a client and storing them in a cassette;

6. The thermal printer (Citizen PPU-700 with a paper holder and paper tape) serves to issue a paper receipt containing the data of the completed transaction;

7. Banknote dispenser (Puloon LCDM 2000 banknote dispenser) is used to issue banknotes to a client when a command is received from a remote server through the terminal's system unit;

8. Uninterruptible power supply (UPS ARS Back-UPS RS 500 VA) is used for safe and uninterrupted operation of the terminal, regardless of interruptions in the electrical network;

9. The webcam (Logitech QuickCam Pro 9000 TVL) is used to photograph the face of the client;

10. A4 printer (Brother HL-2132R A4) is used for printing on paper and issuing to the client a copy of the loan agreement and / or money transfer;

11. The A4 scanner (Brother DS-600) is used to scan the agreements signed by the client;

12. The device for issuing plastic cards (Card Dispenser CRT-531 with a stacker);

13. SCANNER (ARCH PRMC 233) is used to scan a passport in order to identify a person and sign a client.

14. Protected keyboard (Metal anti-vandal keyboard TG-PC-F1) is used to enter information.

The inventive Utility Model allows you to transfer images of the client's passport in three ranges: visible, infrared and ultraviolet, as well as machine-readable information. The transferred information is analyzed by the server software, which, according to the given algorithms, compares images in various ranges to determine the authenticity of the document, collects information about the borrower and assesses its creditworthiness, makes a decision on the possibility of issuing a loan.

Thus, the simplification of microfinance (credit) organizations is achieved, because The claimed Utility model solves the technical problem of remote identification and verification of a client’s identity, automation of processes for evaluating a client’s creditworthiness and issuing a loan, as well as protection against the use of fake documents due to a unique way of verifying documents authenticity.

The micro-loan software and hardware complex is used in the field of technical devices designed for quick self-service of individuals for express issue (repayment) of cash loans in an automatic mode, without the participation of an operator present at the place of service.

Claims (1)

A microloan issuing hardware and software system containing in a single hardware and software complex interconnected by a cable through the system unit a monitor equipped with touch glass, a bill acceptor with a cassette, a banknote dispenser, a thermal printer with a paper ribbon reel, a web camera, an uninterruptible power supply , GPRS modem, characterized in that for the identification and verification of the identity of the client, the hardware-software complex contains a scanner configured to receive an image cops (passports) in several ranges: visible, infrared, ultraviolet, and with the ability to read and recognize a machine-readable line on the passport and information from the RFID chip of the passport; a device for issuing plastic cards and reading information from them; and it is also equipped with an information input device (secure keyboard), a scanner and a printer for processing A4 documents (loan and / or money transfer agreements).

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