RU94363U1 - UNIVERSAL TERMINAL OF ELECTRONIC INSURANCE OFFICE - Google Patents

Abstract

 1. A universal terminal of an electronic insurance office containing micro-computers with input / output ports connected by interface lines to an information input device, an information display device, a receipt printing device, a transceiver device, a bill acceptor, a strict reporting form printing device, characterized in that it is equipped with a card reader, safe, banknote dispenser, journal printer. ! 2. The universal terminal of the electronic insurance office according to claim 1, characterized in that the transceiver device comprises a loudspeaker and a WEB video camera with a microphone. ! 3. The universal terminal of the electronic insurance office according to claim 1, characterized in that the transceiver device comprises a telephone line device with a head office. ! 4. The universal terminal of the electronic insurance office according to claim 1, characterized in that the transceiver device comprises a wireless communication device with a head office.

Description

The utility model relates to autonomous payment terminals that provide settlement and payment transactions and is designed to receive cash or funds from a customer’s card to pay for insurance with the issuance of insurance forms upon conclusion of an insurance contract or prolongation of an insurance contract, and the issuance of cash to a customer for a settled insurance event .

A well-known universal information and payment terminal (RU 71180 U1 IPC G07F 11/00 (2006.01), priority 06/08/2007) containing a microcomputer connected to an information display device, an information input device, and a receipt printing device made in in the form of a receipt printer or fiscal registrar, with a receiving and transmitting device and with a device for receiving paper banknotes.

The disadvantage of this system is the limited functionality due to the lack of the ability to print on strict reporting forms and the inability to conduct settlement and payment transactions related to insurance.

Closest to the claimed and adopted as a prototype is a universal information and payment terminal (RU 84147 U1 IPC G07F 11/00 (2006.01), priority 01/30/2009) containing micro-computers with input / output ports connected by interface communication lines with an information display device, an information input device and with a receipt printing device, with a transceiver device and with a bill acceptor that is additionally paired using micro-computer input / output ports, with an A4 printing device containing a printer and at least one oh cells for strict reporting forms, and with a scanning device.

This terminal allows you to slightly expand the functionality, as it provides the ability to print on strict reporting forms, which is necessary for the settlement and payment transactions related to insurance.

However, the capabilities of such a terminal are limited to accepting cash only in cash and it does not allow the payment of cash on settled insurance events.

The objective of the claimed utility model is the development of a payment terminal with enhanced functionality by providing the ability to receive funds in non-cash form and the ability to pay money for settled insurance events.

The problem is solved by improving the universal terminal of the electronic insurance office containing micro-computers with input / output ports connected by interface lines to an information input device, an information display device, a receipt printing device, a transceiver device, a bill acceptor, a strict reporting form printing device .

This improvement consists in the fact that the terminal is equipped with a card reader, a safe, a banknote dispenser, and a journal printer.

Introduction to the card reader system allows you to pay for insurance services in cashless form.

Providing the terminal with a safe, a dispenser of banknotes and a journal printer allows you to pay money for settled insurance events.

The transceiver may include a loudspeaker and a WEB video camera with a microphone, a telephone line device with a head office, and / or a wireless communication device with a head office, which improves the usability of a universal information and payment terminal due to reliable communication with the head office.

The utility model is illustrated in the drawing, which shows a diagram of the inventive device.

The universal terminal of the electronic insurance office contains a microcomputer 1 with input / output ports connected by interface lines to an information input device 2, an information display device, which is a monitor 3 with an information input device 2 in the form of a transparent touch panel, and a device for printing receipts 4 , transceiver device - loudspeaker 5 and WEB video camera 6 with microphone, device 7 of a telephone line of communication with the head office or wireless device 8 of communication with the head office, bill ISRC 9 device 10 printing strict reporting forms. The terminal is equipped with a microcomputer 1 connected to the input / output ports of the microcomputer 1, a safe 12, a bill dispenser 13, a journal printer 14. For security, a hidden security camera 15 is used, and the safe 12 is equipped with a lock.

Universal terminal electronic insurance office operates as follows.

To draw up an insurance policy of any kind, the user, using the information input device 2 and the information display device - monitor 3, selects the services, namely the insurance company and the type of contract to be entered, while using the information input device 2, the necessary information is entered to complete the contract. the data is processed by microcomputer 1 and checked in the main database of the head office using devices 7 or 8 for registration of the policy and for entering data into the database of insurers. After that, through the bill acceptor 9 or card reader 11, the user pays the necessary amount to be paid. After the bills have passed the verification of authenticity (in the case of cash payments), the payment is transferred via the device 7 of the telephone line of communication with the head office or the wireless device 8 of communication with the head office with the subsequent printing on the device 10 of the required strict reporting form with by signing, if necessary, an agreement and a fiscal check, on the device for printing checks 3, as a confirmation of the actions taken. Voice assistance is provided by the loudspeaker 5. In non-standard situations, video-audio communication with the head office operator is provided by the WEB video camera 6.

Settlement of the insured event with cash payment is carried out by entering data using the information input device 2 and the information display device - monitor 3. The entered data is processed by the microcomputer 1 and transmitted to the central office for verification by devices 7 or 8. In the case of a positive decision regarding the payment , cash is issued using the dispenser of banknotes 13. and recorded by the journal printer 14.

Thus, the inventive terminal has enhanced functionality by providing the possibility of receiving cash in non-cash form and the ability to pay cash for settled insurance events.

Claims (4)

1. A universal terminal of an electronic insurance office containing micro-computers with input / output ports connected by interface lines to an information input device, an information display device, a receipt printing device, a transceiver device, a bill acceptor, a strict reporting form printing device, characterized in that it is equipped with a card reader, safe, banknote dispenser, journal printer. 2. The universal terminal of the electronic insurance office according to claim 1, characterized in that the transceiver device comprises a loudspeaker and a WEB video camera with a microphone. 3. The universal terminal of the electronic insurance office according to claim 1, characterized in that the transceiver device comprises a telephone line device with a head office. 4. The universal terminal of the electronic insurance office according to claim 1, characterized in that the transceiver device comprises a wireless communication device with a head office.