RU143823U1 - ELECTRONIC TERMINAL - Google Patents

Abstract

1. An electronic terminal for issuing a loan, comprising: a receiving unit configured to receive personal data of a consumer; an analysis unit configured to analyze personal data of a user in communication with a data receiving unit; a condition forming unit configured to generate issuing conditions loan based on the results of the analysis, in communication with the analysis unit; the issuing unit, made with the possibility of issuing funds to the consumer in accordance with the conditions for issuing a loan in communication with the conditioning unit; a communication unit configured to communicate with the server. 2. The electronic terminal according to claim 1, further comprising a video camera for recording when issuing a loan. 3. The electronic terminal according to claim 1, further comprising a fingerprint reader. 4. The electronic terminal according to claim 1, configured to receive commands from an operator through a server through a communication unit.

Description

The technical field to which the utility model belongs.

The utility model relates to the field of financial activities, in particular, to the issuance of loans to consumers through electronic terminals.

The level of technology.

The prior art knows the solution “METHOD AND SYSTEM FOR VERIFICATION OF PLAYERS ON REMOTE TERMINALS” disclosed in patent application RU 2006133042, Applicant AJTi (US), Date of publication of application: 27.03.2008

The application discloses a method for providing verification of players for a remote gaming terminal, comprising the steps of: providing access to one or more gaming events at the specified remote gaming terminal through a first communication mode; establishing one or more acceptable criteria for confirming a player’s identity or continuity; receiving a request at a site in at least one specific gaming event selected from said one or more gaming events from a specific player on said gaming terminal; receiving personal information related to the specified specific player from the specified specific player through a second communication mode that is separate from the specified first communication mode; checking the adequacy of said personal information related to said specific player according to at least one of said one or more acceptable criteria; and issuing permission to start or continue said at least one specific gaming event.

But this decision does not disclose the possibility of issuing loans based on the personal data of the consumer.

The prior art also knows the solution “ATM for issuing money with lighting devices for the user interface”, disclosed in patent 2304308, patent holder DAYBOLD INCORPORATED (US), expiration date 17.12.2003.

An ATM machine comprising a plurality of transactional function execution devices, wherein the plurality of transactional function execution devices include at least a first transactional function execution device and a second transactional function execution device, wherein at least one of the plurality of transactional function execution devices comprises a cash dispenser, wherein the first transactional function execution device comprises a first module and a second transactional execution device n functions contains the second module; a work panel on which ATM users can interact with at least a first transactional function execution device and a second transactional function execution device, wherein the first module is selectively movable relative to the work panel and the second module is selectively movable relative to the work panel; a plurality of multi-color light emitting devices including at least a first radiating device and a second radiating device; wherein the first radiating device has a support connection with the first module and can move with it; the second radiating device has a support connection with the second module and can move with it; the first radiating device and the second radiating device selectively act to emit light of at least two different colors; at least one controller operatively connected to a plurality of multi-color light-emitting devices and to a plurality of transaction function execution devices, wherein at least one controller operates to execute a banking transaction using a first transactional function execution device and a second transactional function execution device; moreover, at the stage of executing a banking transaction using the first device for performing transactional functions, said at least one controller provides the first emitting device to emit at least two different colors, at the stage of executing a banking transaction using the second device for performing transactional functions, at least one controller provides radiation by the second radiating device of at least two different colors, wherein said controller de It exists to ensure the first and second light emitting devices, at least one color in different time periods associated with respective different phases of banking transactions performed by using the respective different first and second devices perform transaction functions.

But this decision does not disclose the possibility of issuing loans based on the personal data of the consumer.

The prior art also knows the solution “SYSTEM AND METHOD FOR PROCESSING DATA BY ATM SYSTEMS” selected as a prototype, disclosed in patent RU 2258959, applicant DYBOLD, INCORPORATED (US), validity date 18.03.2002.

A processing system for a general data processing job using multiple ATMs operating in parallel, comprising: a server-side computer data processing device; a coordinating server application operating in the server computer processing device, while the coordinating server application receives at least one data processing job from at least one person who issued the task, and the coordinating server application shares the data processing job for many tasks; and a plurality of ATMs in operative communication with a server-side computer data processing device, wherein each ATM contains at least one computer data processing device that is part of the ATM, and at least one client data processing application, operating on in at least one computer data processing device that is part of the ATM, and the coordinating server application provides the distribution of tasks across multiple ATMs for processing by the bank therewith, each client data processing application of each ATM provides reception from the coordinating server application of at least one of the tasks and each client data processing application additionally provides processing of at least one task obtained from the coordinating server application by at least one computer data processing device that is part of the ATM that each ATM is equipped with.

But this decision does not disclose the possibility of issuing loans based on the personal data of the consumer.

Thus, in the prior art, there is no electronic terminal with a loan issuance function based on the user's personal data.

Disclosure of a utility model.

In one aspect of the utility model, an electronic terminal for issuing a loan is disclosed, comprising: a receiving unit configured to receive consumer personal data; an analysis unit configured to analyze the user's personal data in communication with the data reception unit; a condition formation unit configured to form loan conditions based on the results of the analysis performed, in communication with the analysis unit; the issuing unit is configured to issue funds to the consumer in accordance with the formed conditions for issuing a loan, in communication with the unit for the formation of conditions; a communication unit configured to communicate with a server.

In further aspects, an electronic terminal is disclosed further comprising a video camera for recording when issuing a loan, further comprising a fingerprint reader, and an electronic terminal is disclosed configured to receive commands from an operator through a server through a communication unit.

Thus, the task of solving the proposed utility model is to issue loans based on the individual consumer data entered on the electronic terminal.

The essence of the utility model is that the electronic terminal, in contrast to the bank terminal, issues money without withdrawing it from the bank account using a bank card, which is the key to access the bank account, and, based on the personal data entered by the user, issues these funds for a certain period and at a certain percentage. The amount of the loan issued, its term and percentage on the loan and other parameters are determined based on the personal data of the consumer and are not necessarily agreed upon by the consumer.

A brief description of the drawings.

FIG. 1 shows a block diagram of an electronic terminal in communication with a server.

Implementation of a utility model.

The utility model allows to simplify the process of issuing a loan, both for the consumer and for the organization issuing loans. The consumer does not need to get to the office of the organization issuing loans, wait for a decision on the issuance, in addition, the dependence on the human factor disappears. The organization issuing loans does not need to have a staff of specialists in issuing loans, and the dependence on the human factor also disappears.

The process of obtaining a loan through the proposed electronic terminal is as follows:

- the user enters his personal data on the electronic terminal, and the set of personal data entered can vary, but must remain sufficient to make a conclusion about the creditworthiness of the buyer with acceptable reliability. One of the input data may be consumer passport data, in one embodiment, passport data is entered using a scanner to which a passport is attached, in another embodiment, a camera is used. Also, the terminal may require entering at least one of the level of income, ownership, place of work, position, profession, length of service, data on credit history, purpose of obtaining a loan, etc. In one of the options, the receiving unit also receives data on the parameters of the loan desired by the consumer (size, term, interest).

- based on the entered data, the analysis unit according to the algorithm laid down in it determines the reliability and correctness of the entered data. For example, inconsistency of the position with the income level, inconsistency of the place of work and position, inconsistency of age and position, inconsistency of the purpose of obtaining a loan and the size of the loan, etc. In one embodiment, the terminal may request data from the server to which it is connected to verify that the entered data matches the consumer data stored on the server.

- according to the results of the analysis, the unit for forming the conditions for issuing a loan forms one or more loan issuing programs, while the consumer may be given the opportunity, within certain limits and according to certain rules, to adjust the conditions for issuing a loan. For example, a consumer under the conditions of the proposed loan issuance programs can increase the loan term by increasing interest or vice versa, etc. Moreover, loan issuance programs can be based on already accumulated statistics on loan issuance, on developed loan issuance programs, etc.

- as soon as the loan conditions are approved by the consumer, the issuing unit issues funds to the consumer. Moreover, cash can be issued both in cash and in the form of crediting cash, for example, to a bank account. To implement the transfer of funds to a bank account, the electronic terminal communicates with the server and requests it to carry out the corresponding operation. It should be noted that part of the data processing operations can be carried out on the server. In addition, in one embodiment, prior to issuing a loan, a user is issued a contract that the user signs. The contract can be either in paper form or in electronic form if the user has an electronic signature. Accordingly, the terminal can be equipped with a printer for printing the contract and a scanner for making a copy of the signed contract.

Communication with the server is carried out through the communication unit of the electronic terminal.

Specific options for software and hardware used to implement the proposed electronic terminal, as well as the server, are not significant and are not considered in the framework of this description.

The technical result provided by the proposed utility model is to increase convenience, simplify and accelerate the receipt of a loan by the consumer. This result is achieved due to the fact that the consumer does not need to go to the loan issuing office, he can get a loan in the nearest terminal based on objective credit ratings.

The diagram in figure 1 is clear based on the above information. Her work is described above. All blocks of the electronic terminal can be made as a whole, or represent separate hardware elements.

To increase security, using, in particular, an IP camera, video recording can be carried out from the moment the loan issuing procedure started (someone went to the terminal or started pressing buttons on the terminal).

To speed up consumer identification and improve identification reliability, the electronic terminal can be equipped with a fingerprint reader.

The electronic terminal can operate both in an automatic and in an automated mode, that is, all stages of a loan can take place without operator intervention or under his control and / or management. The operator may be entitled to approve or refuse to grant a loan, regardless of the decisions made by the electronic terminal.

The embodiments are not limited to the embodiments described herein, but other embodiments of the utility model that do not go beyond the essence and scope of this utility model will become apparent to those skilled in the art based on the information set forth in the description and knowledge of the prior art.

The application does not specify specific software and hardware for the implementation of the blocks in the drawings, but one skilled in the art should understand that the essence of the utility model is not limited to a specific software or hardware implementation, and therefore, any software and hardware can be used to implement the utility model known in the art. So the hardware can be implemented in one or more specialized integrated circuits, digital signal processors, digital signal processing devices, programmable logic devices, user programmable gate arrays, processors, controllers, microcontrollers, microprocessors, electronic devices, and other electronic modules configured to carry out the functions described in this document, a computer or a combination of the above.

Although not specifically mentioned, it is obvious that when it comes to storing data, programs, and the like, a computer-readable storage medium is meant, examples of computer-readable storage media include read-only memory, random-access memory, register, cache semiconductor storage devices, magnetic media such as internal hard drives and removable drives, magneto-optical media and optical media such as CD-ROMs and digital versatile disks (DVDs), as well as any other Gia known in the prior art storage media.

Claims (4)

1. An electronic terminal for issuing a loan, comprising: a receiving unit, configured to receive consumer personal data; an analysis unit configured to analyze the user's personal data in communication with the data reception unit; a condition formation unit configured to form loan conditions on the basis of the results of the analysis performed, in communication with the analysis unit; the issuing unit, configured to issue funds to the consumer in accordance with the formed conditions for issuing a loan, in communication with the unit for the formation of conditions; a communication unit configured to communicate with a server. 2. The electronic terminal according to claim 1, further comprising a video camera for recording when issuing a loan. 3. The electronic terminal according to claim 1, further comprising a fingerprint reader. 4. The electronic terminal according to claim 1, configured to receive commands from an operator through a server through a communication unit.