RU57997U1 - DEVICE FOR ACCESS TO THE BANKING SYSTEM BY PHONE - Google Patents

Abstract

The utility model relates to telephone communication technology and can be used to obtain banking services by a telephone user. The technical result consists in expanding the capabilities of the banking system, which consists in carrying out banking operations using a mobile phone or landline phone at any time and in any place where there is a telephone connection. For this, a device containing a telephone connected via a gateway to a transceiver of a telecom operator and a server connected to a banking system are equipped with a series-connected tone receiver, a tone decoder, a password decoder for registered users and an identification unit, as well as a signal decoder passwords of unregistered users, the input of which is connected to the output of the tone decoder, and the output is connected to the input of the user registration unit and the input of the new password entry in b a user password storage lock, the password bus of which is connected to the inputs of the identification unit, and the output of the tone signal receiver through the automatic number identifier is connected to the password confirmation number input of the identification block, the information outputs of the tone decoder through the switch are connected to the input of the banking system server and to the service operator’s equipment user support, the control input of the switch is connected to the output of the identification unit, the second output of the switch through the signal generator la errors connected to the transmitter of SMS messages, the output of the decoder tones through the driver reported the banking system is connected to the transmitter of SMS messages, the server out of the banking system through the former state account

connected to the transmitter of SMS messages, the server of the banking system is connected to the billing server and the server of statistics, the tone signal receiver is connected to the transceiver of the communication operator, while the output of the user registration unit is connected to the transmitter of SMS messages.

Description

The utility model relates to telephone communications technology and can be used for banking operations by telephone and mobile telephone users.

International application WO 02/35429 describes a cashless payment system in which the computers of the system’s clients are connected via a network to an intermediary website that organizes money transfers through an associated banking system. To transfer money from one client to another, the payer must send a request to the specified intermediary website to make a payment indicating the amount, source of payment, as well as its recipient.

However, to enter such data, the user must have a computer display and keyboard.

The closest analogue is a computer system of cashless payments for making payment transactions of a mobile user (RU2263347 C1, 10.27.2005). The known system includes a server of the banking system, a gateway of a telecom operator transceiver of a telecom operator. A disadvantage of the known device is the limited use of the banking system.

The technical result consists in expanding the capabilities of the banking system, which consists in carrying out banking operations using a mobile phone or landline phone at any time and in any place where there is a telephone connection.

To do this, in a device for accessing the banking system by telephone containing a telephone connected via a gateway to a transceiver

a telecom operator, and a server connected to the banking system, a tone signal receiver, a tone decoder, a password decoder of registered users and an identification unit, as well as a password decoder of unregistered users, the input of which is connected to the output of the tone decoder, and the output are introduced connected to the input of the user registration unit and the input of the new password entry to the user password storage unit, the password bus of which is connected to the inputs of the id unit identification, and the output of the tone signal receiver through the automatic caller ID is connected to the password confirmation number input of the identification unit, the information outputs of the tone decoder through the switch are connected to the input of the banking system server and to the equipment of the user support operator, the control input of the switch is connected to the output of the identification block, the second output of the switch through the shaper of the error signal is connected to the transmitter of SMS messages, the output of the tone decoder through the message generator of the banking system operation is connected to the SMS message transmitter, the banking system server output is connected to the SMS message transmitter through the personal account status generator, the banking system server is connected to the billing server and the statistics server, the tone signal receiver is connected to the communication carrier transceiver, while the output the user registration unit is connected to the SMS transmitter, in addition, the banking system is a global banking system that unites the Euroset, s Seventh Continent, Delphi network Beneficiary network.

User support is an administration server.

The operator’s transceiver is the workplace of the administrator of the voice customer service center.

The user support operator’s equipment is located in the voice service center for customer-user services.

The phone is a mobile phone. The telephone is a landline telephone.

User registration in the registration unit is carried out with a password number, which is an arbitrary set of numbers.

User registration in the registration unit is carried out with a password number, which is a phone number.

User registration in the registration unit is carried out with a password number representing the user's passport data.

It is possible to change registration data.

The banking system is configured to carry out money transfer operations from one account to another account, to pay for mobile communications, to repay loans, transfer money to other payment systems, and pay for content services.

Figure 1 is a structural diagram of the claimed device.

Figure 2 General scheme of the banking system.

Figure 3-27 shows the algorithm of the access device

An access device to the banking system by telephone contains a telephone 1 connected via a gateway 2 to a transceiver 3 of a communication operator, and a server 4 connected to a banking system 5, a receiver 6 of tone signals, a decoder of 7 tone signals, a decoder of 8 password signals of registered users and identification unit 9, as well as decoder 10 of password signals of unregistered users, user password storage unit 11, automatic number identifier 12, switch 13, equipment 14 of the user support operator, forms error signal driver 15, SMS message transmitter 16, banking system message generator 17, personal account condition generator 18, banking system 5 is global

the banking system that unites Euroset 19, the network of the Seventh Continent 20, the network of Delphi 21, the network of the Beneficiary 22 (figure 2), the transceiver 3 of the telecom operator is the workplace of the administrator of the voice center 23 customer service, in addition, the billing server 24, server statistics 25, user registration unit 26.

To deposit funds into customer accounts, enter into agreements with companies dealers of telecom operators (Euroset, Svyaznoy, Disis, etc.), with companies that contain and maintain payment acceptance devices, with companies that make electronic payments (WEB-money, Rapida, Yandex money, by banks working with individuals, retail chains (Seventh Continent, etc.).

Companies that make electronic payments and banks issue cash to a client from accounts in the system according to the rules existing for these companies.

Customers are offered the following payments:

Mobile communications, repayment of loans, content services, transfer of funds from account to account within the system.

The device operates as follows:

The client user is registered in the system. To register, he needs to dial a single city number from any phone 1 and then, following the instructions of the voice guide - the telecom operator located in the voice center 23 of the customer service, go through the registration procedure. Connection with a landline number is free for customers. A call from a mobile number is within the framework of the tariff of a telecom operator.

After registration (the algorithm is presented in Figs. 4-6), the client receives from the transmitter 16 an SMS message to his mobile phone 1, the number of which the client enters during registration. To confirm the correctness of the dialed number, there is an automatic caller ID

numbers 12. An SMS message will contain information about the client’s personal account number, password and login for further account management and the name of the WAP site where the client can see a list of organizations to which he can transfer funds.

After receiving the registration data, the client turns to banking partners (for example, Euroset, Dixis network, Svyaznoy network, Seventh Continent network, etc. Fig.2) and deposits the necessary amount of money into his account. The amount deposited is automatically reflected in the system in billing server 24.

Next, the client needs to activate the account. To do this, the client again dials the number and, following the instructions of the voice guide from the transceiver 3, enters the requested data in such a way, confirming his intentions that he trusts the company to make payments for him at his direction, and activates the account. This completes the identification and depositing procedures. Subsequently, the client deposits money into the account, without further identification, he will be able to obtain information about the balance by dialing the number and entering the “find out balance” section of billing server 24.

To make a payment from his account, the client must also dial his number, enter the billing server 24's transfer menu, and also following the instructions of the voice guide of the center 23, give instructions on the transfer of funds to the necessary organizations or individuals registered in the system. The list of organizations is also entered into the general system, available to the client 24 hours a day both through the WAP website and in the voice menu.

A customer service is provided 24 hours a day. The operators of the voice center 23 customer service will answer any questions the client will solve possible problems.

The client can close his account in the system at any time by calling the operator of the center 23. All information about banking operations is stored in the statistics server 25.

Figure 3 gives the structure of the algorithm of the device during registration of the client. For this, the client is invited to work in tone mode.

To work in tone mode, a code system has been developed for passing a tone signal, identifying it and passing to server 4 of the banking system.

The client is invited to select a tone code for new users or for registered users.

Greetings are sent to unregistered customers and information is given on the work of the banking system 5 with additional codes for further work. The specified information is sent to the user in the form of an SMS message. An unregistered user is registered in the registration unit 26, or connects to the service operator 14, or receives information about working in automatic mode after registration. For registered users, the user is authenticated and he is also invited through tonal codes to access a particular service: activate a personal account, find out the balance of a personal account, transfer funds from your account to another, change registration data, service content, get information about operation of the system in automatic mode, or connect to the support operator 14.

Figure 4-6 shows the operation during the user registration process.

To register, the user is asked to dial a password, consisting of a combination of any numbers or his phone number. In one case or another, the numbers are checked (user identification by blocks 9, 11. To confirm the correctness

set the password in the form of a phone number it is compared with the automatically determined number from block 12.

Figure 7 shows the process that occurs when checking the dialed digits of the entered login. The procedure for the user to enter his identification data before starting work. Automatically checks the password entered by the user and determines his authority and access rights to the requested resources of the system and sets the start of service, after which the system proceeds to activate the personal account (Fig. 8).

Figure 9 shows the process of checking passport data.

Figure 10 shows the process of issuing a personal account balance.

11 shows the process of making money transfers.

12 shows a mobile payment process.

13 shows a loan repayment process.

On Fig, 15 the process of transferring to another account.

On Fig the payment process for other services.

17, the payment process.

On Fig process of changing registration data.

On Fig process change login.

20, the password change process

On Fig process of changing a mobile number.

On Fig. Change passport data

On Fig the process of receiving SMS messages.

On Fig shows the entry of the passport number as confirmation of changes.

On Fig - shows the data entry process when changing the passport and the date of issue.

On Fig shows the process of obtaining content services.

On Fig shows the formation of information about the operation of the system in automatic mode.

The description of the operation of the access system to the banking system is fully reflected in the form of functioning algorithms shown schematically in Figs. 3-27 and therefore, these figures are part of the description, and not an explanatory part, related to the drawings. It is not possible to describe the process of functioning of the device without the indicated algorithms.

The claimed device allows you to expand the capabilities of the banking system, which provides a new level of services, increases the degree of coverage of banking products for existing and potential customers.

The system offers customers to make banking operations using their mobile or landline phone at any time of the day and in any place where there is a telephone connection.

Literature:

WO 02/35429 A1, BRODIA GROUP, 05/02/2002

RU 2263347 C1, 10.27.2005

Claims (12)

1. A device for accessing the banking system by telephone, comprising a telephone connected via a gateway to a transceiver of a telecom operator, and a server connected to a banking system, characterized in that a series-connected tone receiver, a tone decoder, a registered password signal decoder users and an identification unit, as well as a decoder of password signals of unregistered users, the input of which is connected to the output of the tone decoder, and the output is connected to the input of the register block walkie-talkie of the user and the input for recording a new password to the user password storage unit, the password bus of which is connected to the inputs of the identification unit, the output of the tone signal receiver through the automatic number identifier being connected to the password confirmation number input of the identification unit, the information outputs of the tone decoder through the switch are connected to the input the server of the banking system and with the equipment of the operator of the user support service, the control input of the switch is connected to the output of the identification unit and, the second output of the switch through the error signal conditioner is connected to the SMS message transmitter, the tone decoder output through the message generator on the banking system operation is connected to the SMS message transmitter, the output of the banking system server through the personal account condition generator is connected to the SMS message transmitter, the banking system server connected to the billing server and statistics server, the tone receiver is connected to the transceiver of the telecom operator, while the output of the user registration unit ator connected to the transmitter of SMS messages. 2. The device according to claim 1, characterized in that the banking system is a global banking system that combines the Euroset, the network of the Seventh Continent, the Delphi network, the Beneficiary network. 3. The device according to claim 1, characterized in that the user support service is an administration server. 4. The device according to claim 1, characterized in that the transceiver of the telecom operator is the workplace of the administrator of the voice service center of customer service users. 5. The device according to claim 1, characterized in that the equipment of the user support operator is located in the voice service center of customer-user services. 6. The device according to claim 1, characterized in that the phone is a mobile phone. 7. The device according to claim 1. characterized in that the telephone is a landline telephone. 8. The device according to claim 1, characterized in that the user is registered in the registration unit with a password number, which is an arbitrary set of numbers. 9. The device according to claim 1, characterized in that the user is registered in the registration unit with a password number, which is a phone number. 10. The device according to claim 1, characterized in that the user registration in the registration unit is carried out with a password number, which is the user's passport data. 11. The device according to any one of paragraphs.8-10, characterized in that it provides the ability to change registration data. 12. The device according to claim 2, characterized in that the banking system is configured to carry out money transfer operations from one account to another account, to pay for mobile communications, to repay loans, transfer money to other payment systems, pay for content services.