RU2672723C1 - Automated device for storage and distribution of bank cards - Google Patents

Abstract

FIELD: monitoring devices.

SUBSTANCE: invention relates to automated banking services. Device for storing and issuing bank cards includes a loading device; when it is loaded, an information reader that is recorded on the card allows the management system to store the read information in the internal memory by assigning a storage cell number to the card, and the control system provides a search for this card information for its issuance by the unloading device.

EFFECT: technical result is wider range of tools for the same purpose.

3 cl, 6 dwg

Description

The investigated technical solution relates to automated banking facilities and is intended for installation in bank branches, and can be used to provide automatic storage and issuance of bank cards, as well as the possibility of its use with cards of the ID-1 format GOST R ISO / IEC 7810 -2015 “Identification cards. Physical Characteristics ”for other purposes.

Currently, automated banking machines (ATMs) are widely known for carrying out financial transactions, the main function of which is to issue and receive money, both in the form of banknotes and plastic payment cards. The system of cashless payments using plastic payment cards in recent years has become more and more popular among the population, which dictates the need to optimize and modernize banking equipment. Currently, in the banking sector, all operations for storing, issuing and sorting plastic cards received at the local branch of the bank are carried out manually, which takes a certain amount of time both for the bank employee and the consumer of the banking service, and the monotony of the operator’s work is ineffective and can lead to fatigue, and also does not exclude the possibility of errors in the work.

A device for processing cards (see patent for the invention of the Russian Federation RU 2324226, IPC G06K 13/12, publ. 10.11.2005 Bull. No. 31) contains means for processing media that reads data from the medium and writes data to the medium, means for transferring the carrier stored in the drive, a movable guide portion distributing the carrier into the drive or in the outlet in accordance with its position, means for changing the position of the guide portion and a control unit selectively feeding the carrier into the drive to the outer position receiving hole or to a position outside the outlet. The device is capable of re-issuing card-shaped media and eliminates the need to collect accumulated media. The device is configured to read data from media in the form of cards, and write data to them. A disadvantage of the known device is the relatively narrow functionality.

A device for the single issue of cards (see patent for utility model of the Russian Federation 78479, IPC B65H 3/06, publ. 08/27/2009 Bull. No. 24), containing a magazine for a stack of sheets with a horizontal supporting surface and spaced from its edge, perpendicular to it a front wall, a roller separator with at least one flat on its cylindrical surface, a transporting unit and an electric drive, a front wall of the store is installed with a gap between its lower edge and the supporting surface, installed under the supporting surface between the wall and the edge of the table And the clip-separator - with a gap between the surfaces and the bottom card flats, the conveying unit is formed as a pair of cylindrical rollers mounted behind a wall in such a way that the gap between the rollers is flush with the supporting surface of the store. A disadvantage of the known device is the relatively narrow functionality and low reliability.

Known Card issuing machine (see patent for utility model of Russian Federation 132910, IPC G07F 19/00, publ. 09/27/2013 Bull. No. 27), related to self-service vending machines and can be used to issue cards of standard ID-1 ISO 7810 telecom operators, as well as bank cards with simultaneous registration of the recipient. A card issuing machine, consisting of a case, a control unit for these devices, a scanner, a computer control unit and a card issuing device, made in the form of a polygonal drum, on the faces of which there are cassettes with spring mechanisms, for placement in different card cassettes, and the device itself is equipped a cassette drum drive, a card separator, a control board for this device and a dispensing tray. A disadvantage of the known device is the relatively narrow functionality, relatively low productivity and the lack of flexible integration into the structure of the bank (enterprise).

The closest technical solution to the claimed facility is Kartomat (http: //www.cardhall.ru | e-mail: cardhall@cardhall.ru). This latest device is designed for instant issuance of a new card, for example, due to expiration, change of personal data, etc. These can be fully personalized credit and debit cards, loyalty cards and gift cards. Instead of using traditional methods of delivering a new card to a client, you send him a notification (for example, SMS) about the card arriving at the address chosen by the client. The client will receive his card at Kartomat at a convenient time for him. Specifications: Touch-screen display; Ability to load up to 3000 cards; Verification of information on cards can be done by magnetic strip and / or chip, by barcode or OMR-tag; PIN-PAD The case is made of durable steel (the Bank logo is applied to the case; painted in Bank colors). Optional: banknote receiver; Payment for services using a card; A4 printer for documents; A4 format scanner for documents; Signaling; Tilt sensor; Video cameras; Sound dialogue with the client; Biometric Information Scanners; Receipt printer; Auditor / shredder cards.

The disadvantages of the known device is the presence of piled and complicating the device functions, such as a banknote receiver, scanner and A4 printer, therefore, the claimed invention is aimed at eliminating the identified shortcomings.

This device is closest in technical essence and general features to the claimed invention, which is why it is proposed as the closest analogue.

The objective of the present invention is to provide a reliable, compact and easy-to-use device for identifying, storing and issuing bank cards, with the possibility of flexible integration into the structure of the bank. It is also possible to use a device with cards of the ID-1 format GOST R ISO / IEC 7810, in which the automated process of identification, search and issuance of both bank cards and passes, or other cards based on the ID-1 format is carried out. Also, the device may find its application for other purposes, for example, as an automated file cabinet or at a pass office. It is possible to use the device as an autonomous customer self-service system, without the participation of a bank (company) employee.

The technical result consists in the development of a device that provides identification, storage and issuance of bank cards, with the possibility of its use with identification cards of the ID-1 standard GOST R ISO / IEC 7810. This is achieved by creating an Automated device for storing and issuing bank cards (Card), which can significantly reduce transaction time costs, optimize the work with cards in a bank (enterprise) branch by automating the process of loading and unloading, searching and issuing a bank card, and akzhe save workspace. When using the device as an autonomous customer self-service system, it is planned to install additional equipment that provides full automation of the card issuance process. Additional equipment includes: client identification and authentication unit and information output input module.

The essence of the invention lies in the fact that the Automated device for storing and issuing bank cards (Kartomat) provides the creation of a database located in the card device by reading information recorded on a magnetic strip or chip, their reliable and careful storage inside the store, and subsequent issuance upon request of the operator according to one or several parameters of the read information, which includes any unencrypted information of identification of the person. An automated device is capable of successfully recognizing up to 99% of cards and automatically rejects unrecognized cards. The identification information about the card and its location in the repository can be stored both in the internal database and in the external one. An automated device can produce: identification and loading of cards both individually and in-line; issuing cards both individually and in groups formed by various templates in the device program.

The presented Automated device is capable of providing several scenarios for its use:

1. An independent device with an I / O module, integrated or external. Intended for use by employees of the bank (company).

2. The device is integrated into the existing software environment of the bank (enterprise), intended for use by employees of the bank (enterprise).

3. An independent or integrated device in the existing software environment of the bank, intended for use by customers of the bank (enterprise) in self-service mode.

Also, the device provides the formation of various reports and statistics, with their subsequent output in the required format and form.

An automated device for issuing and storing bank cards (Cardomat) is a complex device consisting of the main units: building 1, loading device 2, cassette 3, unloading device 4, identification and authentication unit 5, information input-output unit 6, control system 7, whose work is carried out through software.

The claimed technical solution is illustrated by graphic material, where in FIG. 1 shows the main blocks of an automated device for issuing and storing bank cards (Kartomat); in FIG. 2 shows a design of a device case with a stream method of loading cards and corresponding access to the loading device; cumulative tray for issuing cards and the presence of a service door; in FIG. 3 shows an example of a loading device with the method of stream loading cards implemented in it and a removable stacker; in FIG. 4 - an example of the execution of the cartridge device with a capacity of 2000 cards, drum type, ensuring its rotation by means of a belt drive .; in FIG. 5 is an example of a discharge device with the ability to move only vertically; in FIG. 6 is an example of a modification of a device with an identification unit represented by a document scanner, a video camera and a card reader.

The housing 1 is a supporting structure and can be made using various structural materials to ensure its strength, reliability and functionality. In the housing 1, the necessary fastening elements are made to accommodate internal and external components and mechanisms. The modification of the device determines the presence, type, quantity and placement in the case of the card unloading device 4, service door 10, identification and authentication unit 5, information input-output unit 6 and access elements to the loading device 2. The presence or absence, as well as the type of components, is determined modification of the device. Opening elements of the housing 8 and 10, giving access to internal components and mechanisms, are equipped with locks. The design of the case, providing access to the loading device, is determined by the loading method used in the device: in-line or piece-by-piece. The card issuing tray 9 has the ability to accommodate one or more cards entering the slots (guides) of the card unloading device 4. The service door 10 is necessary to provide access to the nodes and mechanisms of the device for servicing them, as well as to manually remove cards if necessary. The identification and authentication unit 5 is a set of devices necessary to perform identification and authentication of the client. The information input / output block 6 is a set of devices necessary for inputting information into the device and for receiving it from the device in the format laid down by the device software.

The loading device 2 is a multifunctional, block actuator, which performs the function of reading the recorded information onto the magnetic strip or chip of the loaded card, followed by loading the card into the device’s cartridge. The device has modifications according to the loading method: continuous or single. In the modification of the device with the method of single-piece card loading implemented in it, the operator fills the device with cards by single-hand manual feeding of cards into the loading device using the card unloading device 4. In the modification of the device with the method of stream loading cards implemented in it, the operator fills the device with cards by portion download using the intermediate storage stacker 11, which is installed in the boot device or is one with it. The device loads cards from the stacker in automatic mode. Downloading cards is done in random order, but always in a certain orientation relative to the magnetic strip. If it is impossible to read the necessary recorded information from the card, the loading device rejects it, which in turn captures the control system of the entire device. Depending on the design of the device as a whole, the boot device has the ability to move both vertically and horizontally. Structurally, it can be divided into blocks: a removable or non-removable stacker 11, a card feeder 12, a base 13, a card loading mechanism in a cartridge 14 and an information reading mechanism 15.

Cassette 3 is a honeycomb structure that carries the function of card storage. The cassette provides reliable and careful storage of cards, eliminating their damage and involuntary loss of the cells 19 under the action of inertial or other forces caused by the regular operation of the device. Card holding and fixing occurs under the action of elastic forces arising from the deformation of the cartridge elements. The design of the cassette can be either a drum or a flat type, depending on the modification of the device. The capacity of the cartridge is also due to the modification of the device. Each cell 19 in the cassette has its own unique identification number, which is deposited directly on it. A similar numbering of cells is used by the control system when writing information to the device database. This allows you to manually search and issue the desired card. Structurally, it can be divided into blocks: bearing units 16, belt pulley 17, shaft 18, cell 19.

The unloading device 4 is an actuator that performs the function of moving the card from the cartridge to the card issuing tray. Depending on the modification, the unloading device has the ability to move both in the vertical plane and in the horizontal. In certain modifications of the Automated device for issuing and storing bank cards (Kartomat), the unloading device may be absent, and its functions are performed by the loading device. Structurally, it can be divided into blocks: linear displacement bearings 20, base 21, carriage for receiving and issuing cards 22.

The identification and authentication unit 5 is a node containing a set of identification and authentication devices, the combination and number of which is determined by the execution of an automated device for issuing and storing bank cards (Cardomat). The identification and authentication unit serves to perform the identification and authentication operation of a person who interacts with the device through physical media. The identification and authentication process can be carried out by various devices and methods, such as: scanning identification documents 26, checking their authenticity, automatic recognition of typewritten text and machine-readable zones, contactless and contact reading of information from electronic media, biometric identification, recognition of electronic signatures. Modification of the device with the identification unit can be represented by a document scanner 26, a video camera 23 and a card reader 25.

The information input / output block 6 is a system consisting of information input and output devices that provide access to the device’s functionality by entering commands and receiving feedback from the device. This block can be performed by any of the known methods, which will provide these functions. In FIG. 6 shows a modification of a device with an input / output unit of information implemented using a touch display 24.

The control system 7 is a software and hardware complex that ensures the functioning of all Executive units that are part of the device.

The control system contains the following elements:

1 User identification and authentication unit

1.1 Electronic Identification Module

1.1.1 Scanning Certification Documents

1.1.2 Digital Signature

1.1.3 Radio frequency and contact identification

1.2 Biometric Identification Module

1.2.1 Authentication by face geometry

1.2.2 Handwriting Authentication

1.2.3 Fingerprint Authentication

2 Information input-output unit

2.1 Graphic information display module

2.2 Information input module

2.2.1 Touch input method

2.2.2 Mechanical way to enter information

3 Block work with cards

3.1 Card loading system

3.2 Card Storage

3.3 Card unloading system

4 control unit

4.1 High Level Management System (WEB API)

4.2 Low-Level Management System (API)

The principle of operation of the Automated device for issuing and storing bank cards (ATM) is as follows:

Cards are fed into the loading device in an arbitrary order, but always in a certain orientation relative to the magnetic tape. The device reads the information recorded on the card, and then loads the card into the cassette. The control system stores the read information in the internal memory of the device and assigns the number of the cell in which the card is stored. The search for the necessary card is performed using any unencrypted information read by the device, for example, reading specific identification information, after which it can be issued. Issuance is made by the unloading device.

The structure and composition of the device allow it to be used in various scenarios. The main use cases are given below:

1. An independent device with an I / O module, integrated or external. Intended for use by employees of the bank (company).

In this use case, the device is independent and has no communication with the internal software environment of the bank (enterprise). Depending on the execution of the information input-output unit, work with the device is carried out either from a remote, external, computer or directly from the device itself, if the necessary information input-output components are available. In this scenario, all operations with the device are performed by the responsible employee of the bank (enterprise).

2. The device is integrated into the existing software environment of the bank (enterprise), intended for use by employees of the bank (enterprise).

In this use case, the device is integrated into the internal software environment of the bank (enterprise). Work with the device is carried out from an external computer with the device software product preinstalled on it. In this scenario, all operations with the device are performed by the responsible employee of the bank (enterprise).

3. An independent or integrated device in the existing software environment of the bank, intended for use by customers of the bank (enterprise) in self-service mode.

In this use case, the device is integrated into the internal software environment of the bank (enterprise). Work with the device is carried out directly from the device itself, which is equipped with the necessary information input-output components. In this scenario, the client of the bank (company) has access to the identification and card functions, all other functions are performed by the bank (company) employees.

It is worth noting that the list of tasks to be solved can be substantially adjusted as necessary and with the development of technology during development and operation.

The proposed Automated device for storing and issuing bank cards (Kartomat) has enhanced functionality compared to the prototype by creating a reliable, compact and easy-to-use device for identifying, storing and issuing bank cards, with the possibility of flexible integration into the structure of the bank, as well as the possible use the proposed device with ID-1 cards GOST R ISO / IEC 7810, where the automated process of identification, search and issuance, bank cards, pass or other cards based on the ID-1 format, as well as automated filing cabinets, and the option of using the device as a standalone system customer self service without a bank employee (the enterprise).

The claimed invention is able to significantly reduce operating time costs, optimize the work with cards in the bank (enterprise) by automating the process of loading and unloading, searching and issuing a bank card, as well as save work space. When using the Automated device for storing and issuing bank cards (Kartomat) as an autonomous customer self-service system, it is planned to install additional equipment that provides full automation of the card issuance process, such as a client identification and authentication unit and an information input / output module.

Claims (3)

1. A device for storing and issuing bank cards, containing a loading device, in which the reader for information recorded on the card provides the control system with the ability to store the read information in the internal memory with the assignment of the storage cell number to the card, and the control system searches for this card information for its issuance by the unloading device. 2. The device for storing and issuing bank cards according to claim 1, characterized in that the device can be controlled through software installed on the user's personal computer connected via a wired or wireless network to the device. 3. The device for storing and issuing bank cards according to claim 1, characterized in that it can be more widely used for other purposes, for example, as an automated card file, use in the pass office.

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