RU74231U1 - MONEY TRANSFER SYSTEM - Google Patents

Abstract

The utility model relates to a system for conducting money transfer operations. The money transfer system contains a system server. New in the claimed utility model is that a touch screen that performs the functions of interactive interaction with the client, a fingerprint sensor that scans the client’s fingerprint for subsequent identification of the client by his fingerprint, is connected to the server of the system that performs the functions of monitoring and controlling the entire system systems, an optical three-dimensional scanner that performs the function of three-dimensional scanning of the surface of the front part - the client’s face for subsequent visual identification client authentication carried out by the system server, a terminal for receiving and issuing money, a cell phone module sending SMS messages to the transfer recipient. The technical result is a system that provides a high level of security and reliability achieved through the use of a fingerprint sensor and an optical three-dimensional scanner that performs the function of three-dimensional scanning of the surface of the front of the client for subsequent visual identification of the client carried out by the system server. Moreover, the primary identification of the client by fingerprint is verified by secondary identification by the client’s face, produced by an optical three-dimensional scanner, and due to this, the system has a two-level identification of the client. The system identifies its client by biometric data inherent in each person, which is not possible to fake, lose or forget. The presence of a visual assistant for the translation helped

Description

The utility model relates to money transfer systems.

Money transfers in the VISA and MASTERCARD electronic systems, where it is necessary to be a client of one of the systems and have a credit or debit card of these systems, have a similar similarity with the claimed system in terms of money transfer methods. Money is transferred using an ATM, where the card is inserted and a PIN code is entered in the menu that appears, then another dialog box for money transfer is selected and the card number is entered there - the payee’s account and the transfer is confirmed by pressing the specified button in the ATM. Thus, the transfer of funds. This type of transfer is by far the most developed, but it also has a number of significant drawbacks due to the use of a credit or debit card to identify its customer.

In connection with the foregoing, it is possible to highlight the reasons that impede the receipt of a technical result according to the VISA system, which is provided by the claimed utility model:

- without a card, it is impossible to carry out transfers and other operations;

- the microprocessor of the card is a chip, it is at risk of forgery and reading information;

- it is necessary to store credit cards in safe places and keep secret the PIN code of the card (access code to the account);

- immediately block a bank account in case of loss of a credit card.

- it is necessary to pay an annual fixed fee for servicing the card;

- there is no resistance to illegal actions;

- the system is not interactive;

- lack of an additional method of Internet connection;

The technical result that is manifested when using the proposed utility model is as follows:

the claimed money transfer system does not use a credit or debit card with a microchip and there is no need to store and remember the pin code, because to identify your client, gain access to a bank account, and register the client in the claimed system, only the client himself and his biometrics are needed data - fingerprint and facial area - the face of a person. The following devices are used to read client biometric data: a fingerprint sensor for scanning a client’s personal fingerprint and an optical three-dimensional scanner for visually identifying a client by face. The inventive system is resistant to illegal actions through the use of two-level verification carried out using these devices.

The interactivity of the claimed system is provided by a touch screen and the presence of a visual assistant - a computer program installed on each server of the system. The presence of a visual assistant for the transfer helps people to make a money transfer effectively, without studying any instructions, but only following the instructions of the visual assistant. Interactivity lies in the fact that the claimed system contains in the database photographs of its customers, which are displayed on the touch screen after identifying the client and after searching for the recipient of a money transfer, a photo of the recipient is displayed so that the sender makes sure of the correctness of his actions and makes an accurate translation .

The presence of connected cell phone modules to the system servers allows you to quickly organize a mobile Internet connection between these devices when the wired Internet channel is broken.

Moreover, the use of this kind of Internet connection may be used like the main Internet channel. The presence of an additional mobile method of Internet connection increases the level of organization of the money transfer system, providing it with continuous operation, and hence the ability to transfer money.

A distinctive feature of the claimed system is that in the system there is no processing center like in the VISA system, since the system forms its network due to the multiplicity of its system servers located at different points of the bank branch network and the system is intended only for money transfers. In this case, there is no need to pay an annual fee for the processing center of the claimed system, and, therefore, transfer these costs to its customers.

The essence of the utility model is illustrated by the scheme.

The money transfer system contains a server — a system 5 that performs the functions of monitoring and controlling the entire system and to which a touch screen 1 that performs the function of interactive interaction with the client is connected, a fingerprint sensor 2 that performs the function of scanning the client’s fingerprint, an optical three-dimensional scanner 3 that performs the function of three-dimensional scanning the surface of the front of the client, the terminal for receiving and issuing money 4, the cell phone module 6, which performs the function of sending SMS - notifications to the recipient ode. System 5 server connects and interacts with similar system servers through a wired Internet channel.

The inventive system operates as follows.

For the functioning of the claimed system, it is necessary for a citizen to register in the system and enter his biometric data into the system server using the bank operator:

- the fingerprint required to identify the client by fingerprint;

- went through the procedure of volumetric scanning of the facial area - the client’s face to obtain a three-dimensional three-dimensional face mask necessary for visual identification of the client;

It is also necessary that the citizen makes:

- your passport data and data on an open bank account in case the client wishes to transfer funds from his already open bank account;

- information about your cell phone number;

This is necessary so that the system further recognizes its client on its own.

Description of the system's work with open bank accounts, both with the sender of the money transfer and with the recipient of the money transfer:

Wanting to transfer funds, the bank client, going directly to the bank where this money transfer system is installed, goes directly to the touch display 1 and clicks on the highlighted bright button "Identification". After that, an information message appears on the touch screen 1 - “press and hold your finger on the fingerprint sensor”. At the moment, the client presses a finger on the fingerprint sensor 2, and the server of system 5 identifies the client or denies access, about which the citizen is notified by the information message displayed on the touch screen 1. If the identification is positive by fingerprint, the system 5 server displays a message on touch screen 1 "Look at the camera" (optical three-dimensional scanner 3). At the moment, the client directly looks at the optical three-dimensional scanner 3, which performs a volume scan of the client’s face and the server of the system 5 either denies access or identifies the client, giving him access to his open account in this bank. After going through all

identifications on the touch screen 1 appears the name of the client, his PHOTO, account information and account balance.

Having accessed his account, the client presses the “search for the transfer recipient” button on the touch screen 1 and enters the recipient's cell phone number. At this point, the system 5 server searches for the transfer recipient by the cell phone number and, if the search result is positive, displays 1 photo of the transfer recipient and his name on the touch screen. The client confirms the search by pressing the button, if not, repeats the search.

If the search result is confirmed by the client, the client indicates the amount of the transfer and presses the button on the touch screen 1 “make a money transfer”, after which an information message - “transfer completed”

At the moment, the encrypted information about the sender, the transfer amount, the recipient, the server of the system, where the information comes from, is transmitted by the server of system 5 via the Internet channel to the server of the system of a similar system installed in another city in the bank branch. In this case, funds are credited to the account of the transfer recipient in the amount of the transfer amount.

The system 5 server using the cell phone module 6 sends an SMS - notification to the transfer recipient to the same number that was used when searching for the remittance recipient. CMC - the notification contains information only on the fact of the transfer and on the addresses of receipt of the transfer.

Having received information about the transferred funds via SMS notification, the transfer recipient in another city comes to the bank and goes directly to the touch screen 1 of the money transfer system and passes the same identification described above, after which he gets access to his account and presses the button on the touch screen 1 "issue the transfer amount." At the moment, the server of system 5, having analyzed the status of the client’s account and information about the requested

the client the amount, sends a command to the terminal for receiving and issuing money 4 to issue a certain amount. Customer receives a money transfer.

Description of the system without an open bank account:

For the system to work, it is also necessary that the client is registered in the system, with the help of the bank operator, enter their biometric data, passport data, photo and cell phone number. This is necessary so that the system further recognizes its client on its own.

Client identification is carried out in the same way as when the system operates with open bank accounts. But in this case, the client is registered by the system as a sender without access to a bank account and only the name and photo of the client are displayed on the touch screen 1.

The difference between the transfer process consists only in the fact that the client deposits his cash into the terminal for receiving and issuing money 4 and the server of the system 5 receives information about the deposited amount from the client. And only this client can transfer the given amount. Also, the difference is that the funds are transferred to a special bank account, since the recipient does not have an open account. And it is from this account that the recipient client indicated by the sender client receives money in the amount of the transferred amount.

The search for the recipient, the process of receiving the transfer, the notification process, is carried out in the same way as indicated in the description of the system with open bank accounts.

These points are affected because the claimed system can make money transfers both from an open bank account and without opening a bank account, when the client independently deposits funds to the terminal for receiving and issuing funds.

System server operation description:

The system server performs the functions of monitoring and controlling the system.

The server of system 5 manages all the devices connected to it and makes the identification of the client itself using the fingerprint sensor 2 and the optical three-dimensional scanner 3. The server of system 5 uses the touch display 1 to display information and interact with the client. The server of the system 5 interacts with the terminal for receiving and issuing funds 4, which receives money from the client and issues money transfers to the client. The system 5 server, using the cell phone module 6, sends an SMS notification to the transfer recipient, and also, using this module, it can organize a mobile Internet connection with another system server when the main wired Internet connection is disconnected. The inventive system forms its network due to the multiplicity of its similar system servers located at various points of the banking branch network. System servers interact with each other through an Internet connection by transmitting encrypted information.

Important in the inventive system is that the system provides for the use of devices such as a fingerprint sensor for scanning a client’s fingerprint and an optical three-dimensional scanner for volume scanning of a client’s face. These devices identify the client by his biometric data, which are inherent in each person and are individual. The primary identification of the client by fingerprint is verified by the secondary identification of the client’s face by an optical three-dimensional scanner. This allows you to accurately identify the customer. Due to the use of two-level identification, this system has a high level of security and resistance to illegal actions, since it is practically impossible to fake the client’s face, or rather the face volume and other individual features of the face structure.

In the inventive system uses a biometric password. The password in the inventive system for entering the system is client’s biometric data - a fingerprint scanned by the fingerprint sensor and the client’s face, which is scanned by an optical three-dimensional scanner. This allows the client not to remember or store the password in a safe place, as is necessary in the VISA system. And the client will never lose such a biometric password, and accordingly there will be no need to block a bank account if the password is lost, as is necessary in the VISA system.

The inventive system has a high level of interactivity. The presence of a visual assistant for the transfer helps people to make a money transfer effectively, without studying any instructions, but only following the instructions of the visual assistant - a computer program. This feature is also important for older people. The visual assistant helps to expand age restrictions and increase the profit of such a money transfer system.

The presence of a touch screen provides the system with a high level of interactive interaction with the client, as the client directly clicks on the selected visual buttons displayed on the touch screen, which allows to accelerate the entire process of interaction between the client and the system, and therefore the process of money transfer itself.

The system offers a convenient way to inform clients about sending transfers using SMS - notifications. The cell phone number entered to search for the recipient during the transfer process also serves to send an SMS notification to this cell phone number.

The presence of a cell phone module connected to the system server allows you to:

- automatically send an SMS notification to the recipient of the money transfer only about the fact of the transfer and about the addresses of receipt. The transfer amount for confidentiality is not indicated.

- quickly organize a mobile Internet connection between system servers when a wired Internet channel is broken. Moreover, the use of this kind of Internet connection may be used, like the main Internet channel. The presence of an additional mobile method of Internet connection increases the level of organization of the money transfer system, providing it with continuous operation, and hence the ability to transfer funds.

And lastly, in the claimed money transfer system, the advantage is the speed of the transfer, since the transfer process takes place in real time and the transfer of money to the recipient is possible in a few minutes.

Claims (1)

A money transfer system comprising a system server, characterized in that a touch screen that performs the function of interactive interaction with the client, a fingerprint sensor that performs the function of scanning the client’s fingerprint, an optical three-dimensional scanner, is connected to the server of the system that performs the functions of monitoring and controlling the entire system the function of three-dimensional scanning of the surface of the front part - the client’s face, the terminal for receiving and issuing money, the cell phone module that performs the sending function, see c - notifications to the recipient of the transfer.