UA73731U - System for cash withdrawal from atm without plastic card by use of letter of authority - Google Patents

Abstract

A system for cash withdrawal from ATM without plastic card by use of letter of authority relates to bank computer-aided systems performing transactions with use of ATM.

Description

The utility model belongs to banking computer systems that carry out transactions using bank self-service terminals or ATMs.

The closest to the claimed useful model is a known system for carrying out the process of receiving cash in bank terminals without the use of a plastic card by using a payment order, which includes a plurality of self-service bank terminals (ATMs) connected by a secure connection, a processing center (back office server), the bank's contact center server with an interactive voice support system and a unit for generating secret transaction codes, a database of transit accounts, a database of issued cards/balances, a database of bank customers, the bank's website (11.

The well-known system allows the process of receiving cash at bank terminals without using a plastic card by using a payment order. However, when using the known system, payment order data is received and processed on the server of the bank's contact center using the interactive voice support system. At the same time, the customer of the service can only be a client of the bank who is the owner of a bank plastic card, because when ordering the service, the customer sends the number and PIN code of the card to the server of the bank's contact center through the access portal. Step-by-step input and confirmation of payment order data, selection of options from the voice menu is inconvenient for the customer and leads to unjustified costs of operating time.

Therefore, the known system has unsatisfactory technological properties and limited functionality.

The basis of the proposed useful model is the task of creating a system for carrying out the process of receiving cash in bank payment terminals without the use of a plastic card by using a payment order, in which the introduction of new elements and connections will ensure a one-time entry and a new sequence of processing payment order data , which will lead to increased manufacturability and expansion of system functionality, as well as increased convenience for the customer.

The task is solved by the fact that in a known system for carrying out the process of receiving cash in bank payment terminals without using a plastic card by using a payment order, which contains a processing center, bank terminals, a server of the bank's contact center, a CMO gateway, a secret code generation unit, a database of issued cards/balances, a database of customers, a database of transit accounts, according to the useful model, the contact center server is equipped with at least one automated workplace of the contact center operator, an online chat system and 5Kure, at the same time, a secret code generation unit is located on the entered transaction management server, which is equipped with a module for processing requests/applications for the execution of transactions and is connected to the processing center, SMOS gateway and contact center server, which is connected to the bank's customer database server and to the database server issued cards/balances, in addition, the database of transit accounts is located on the input cash management server which is connected to the transaction management server and the input bank terminal management server to which each bank terminal is connected.

According to the version of the useful model, a second SMS-gateway, a mobile banking server, an SMSS order processing server, which is connected to the server of the bank's customer database, the server of the issued cards/balances database and the transaction management server, are introduced in series. .

According to another embodiment of the useful model, an Internet banking server with a M/EV payment order processing module is introduced, which is connected to the bank's customer database server, the issued card/balance database server, and the transaction management server.

According to another variant of the implementation of the utility model, a server for processing payment orders from terminals is introduced, which is connected to the server of the database of bank customers, the server of the database of issued cards/balances, the server of managing transactions and the server of managing bank terminals.

Equipping the contact center server with at least one automated workplace of the contact center operator, the online chat system and 5Kure, the location of the secret code generation unit on the entered transaction management server, which is equipped with a transaction request/request processing module and connected to processing center, SMS gateway and contact center server, which is connected to the bank's customer database server and to the issued card/balance database server, the location of the transit account database on the entered cash management server, which is connected to the server transaction management and the introduced bank terminal management server, to which 60 each bank terminal is connected, made it possible to provide a one-time entry and a new sequence of processing payment order data, including the formation of a request/application for the execution of a transaction using the contact center operator's ATM, which led to increased manufacturability and functional expansion their system capabilities, as well as increasing convenience for the customer.

The introduction of a serially connected second SMS gateway, a mobile banking server, an SMS order processing server, which is connected to the bank's customer database server, to the issued card/balance database server and to the transaction management server, ensured that the customer's access to the server was provided mobile banking, one-time entry of payment order data, generation of requests/applications for the execution of a transaction in automatic mode on the SMS order processing server, which led to a reduction in operational time costs and an increase in the technology of the system, as well as an increase in convenience for the customer.

The introduction of the Internet banking server with the M/EV payment order processing module, which is connected to the bank's customer database server, the issued cards/balances database server, and the transaction management server, provided access to the Internet banking server to the customer, one-time data entry of a payment order, forming a request/application for the execution of a transaction in automatic mode in the payment processing module

MEV orders, which led to a reduction in operating time costs and an increase in the manufacturability of the system, as well as an increase in convenience for the customer.

The introduction of the payment order processing server from the terminals, which is connected to the bank's customer database server, the issued card/balance database server, the transaction management server and the bank terminal management server, provided access to the customer through bank terminals to the bank terminal management server, one-time entering payment order data, forming a request/application for the execution of a transaction in automatic mode on the server for processing payment orders from terminals, which led to a reduction in operating time costs and an increase in the technology of the system, as well as an increase in convenience for the customer.

The claimed useful model is explained by a drawing showing a scheme of a system for carrying out the process of receiving cash in bank payment terminals without the use of a plastic card by using a payment order.

Z The system includes a processing center 1 of the bank connected by a secure connection, a set of remote bank terminals 2, a bank terminal management server, a transaction management server 4 (with a unit for generating secret codes 4.1 and a module for processing requests/applications for transactions 4.2), server 5 management of cash disbursement with database 5.1 data of transit accounts, SMOS gateway 6, server 7 of the contact center with multiple ATMs (automated workplace) 7.1 operator of the contact center, system 7.2 online chat and ZKure 7.3, server 8 of SMS processing - order, server 9 database of bank customers, server 10 database of issued cards/balances, server 11 of mobile banking, SMS gateway 12, server 13 of Internet banking with module 13.1 processing of M'EV payment orders, website 14 of the bank, server 15 processing of payment orders from bank terminals. The diagram also shows means 16 of the customer's access to the network

Internet, customer 17, means 18 of the customer's mobile communication, recipient 19, means 20 of the recipient's mobile communication.

Each of the bank terminal network 2 is connected to the bank terminal management server. In the system, the server Z for managing bank terminals, the server 5 for managing cash issuance, the server 4 for managing transactions, the server 7 of the bank's contact center, which is connected to the server 9 of the bank's customer database and to the server 10 of the database of issued cards/ balances Processing center 1 of the bank and SMS-gateway 6 are connected to the server 4 of transaction management. In the system, the second SMS-gateway 12, the mobile banking server 11, the server 8 for processing SMSOS orders, which is connected to the server 9 of the database of bank customers, to the server 10 of the database of issued cards/balances and to the server 4 of management are connected in series transactions. The Internet banking server 13 is connected to the server 9 of the bank's customer database, to the server 10 of the database of issued cards/balances, and to the server 4 of transaction management.

The server 15 for processing payment orders from the terminals, which is connected to the server 9 of the database of bank customers, to the server 10 of the database of issued cards/balances, the server 4 of managing transactions and the server Z of managing bank terminals.

The system for carrying out the process of receiving cash at bank payment terminals without using a plastic card by using a payment order works as follows.

To order a cash withdrawal service in the bank terminal 2 without using a plastic card, the customer 17 is given access to the bank server, for example, to the server 7 60 of the contact center through the access portal, in particular, through the means of mobile communication 18 or a landline phone. Access to the system 7.2 chat online server 7 of the contact center or 5Kure 7.3 is provided through means 15 of the customer's access to the Internet. The customer 17 transmits the payment order data to the server 7 of the bank's contact center, in particular, the number of his mobile device 18, his own card/account number, the amount of cash that he allows the recipient to receive at the bank terminal 2, as well as the number of the mobile device 20 communication of the recipient.

The received data of the payment order is processed using the ATM 7.1 of the contact center operator. At the same time, the customer's mobile number 20 is used as the customer's identifier. At the ATM 7.1, the operator of the contact center forms a request/application for the execution of the transaction, which contains the number of the customer's mobile communication device 18, the number of the recipient's mobile communication device 20, the customer's card/account number 17, the amount of funds (taking into account the commission for providing services), and also verify the customer's identifier by creating a request with the number of the customer's mobile communication device 18 to the server 9 of the bank's customer database. The response with the TIN (individual tax number) of the customer 17 is sent to the operator's ATM 7.1, on which the balance of the card/account of the customer 17 is checked by forming a request from the customer's TIN to the server 10 of the database of issued cards/balances. Customer profile data 17 (balance on cards/accounts from which it is possible to debit the amount indicated by the customer, taking into account the commission) is sent to the ATM 7.1 of the contact center operator.

After that, the request/application for the execution of a transaction with confirmed data, previously formed on the ARM 7.1 of the operator, is sent to the transaction management server 4, on which a temporary file with the received data is created in the module 4.2 for processing requests/applications for the execution of transactions. On the transaction management server 4, they form a request with the customer's card/account number 17 and the amount to be debited, taking into account the commission, send the request to the bank's processing center 1, after the transaction, they receive on the transaction management server 4 confirmation of the crediting of the amount of funds to the recipient's transit account 19 and enter data with the recipient's transit account number 19 into the temporary file.

Next, on the transaction management server 4 (in the request/application processing module 4.2), a request with the number of the customer's mobile communication tool 18 is generated to the secret code generation unit 4.1.

The generated secret code is entered into the previously created file. Thus, the file with

With the number of the recipient's mobile communication device 20, the amount, the secret code, and the transit account number of the recipient 19, they are sent to the server 5 for managing cash disbursement and entered into the transit account data base 5.1. At the same time, generated secret code through

SMO-gateway 6 is directed to the means 18 of the customer's mobile communication.

The recipient 19 enters the number of the recipient's mobile communication device 20, the amount of cash and the secret operation code provided by the customer 17 (for example, by SMS) into the menu on the display of the bank terminal 2. The request formed by the bank terminal 2 with the data entered by the recipient 18 is sent to the Z server for managing bank terminals, then it is addressed to the server 5 for managing cash disbursement, where it is checked against the data of the data base file 5.1 of transit account data. A positive authorization response via the bank terminal management server C is sent to the bank terminal 2, after which the recipient 19 completes the cash withdrawal. The message with the data of a successfully completed operation from the bank terminal 2 is directed to the Z server for managing bank terminals, then to the server 5 for managing cash disbursement, and is entered in the data base 5.1 of transit accounts, after which it is sent to the server 4 for managing transactions. In module 4.2 of processing requests/'applications, an SMS message is generated about the receipt of cash by the recipient 19 with an indication, for example, of the amount of cash received, the date, time and location of the bank terminal 2. The generated SMS message is sent to the mobile communication device 18 through the SMS gateway b customer connection.

According to the version of the proposed system, the customer 17 with the mobile communication device 18 has access to the mobile banking server 11 through the SMS gateway 12. The payment order data received by the mobile banking server 11 is processed in automatic mode, sent to the SMS processing server 8 instructions, on which a request/application for the execution of a transaction is automatically formed. They check the customer's ID and the customer's card/account balance. At the same time, the request with the number of the customer's mobile communication device 18 to the server 9 of the bank's customer database and the request from the customer's TIN 17 to the server 10 of the database of issued cards/balances are sent from the server 8 of the SMO order processing. The request/application with confirmed data is sent to the transaction management server 4. Further, the procedure is performed similarly to the above.

According to another version of the proposed system, the customer 17, who uses the Internet access tool 16, is given access to the Internet banking server 13 through the bank's website 14. Customer 17 enters the order data in the appropriate fields on the M/EV service order page. Process the received data of the payment order in automatic mode and send it to module 13.1 for processing U/EV payment orders, where a request/application for the execution of the transaction is formed and the customer's ID and customer's card/account balance are checked. The request with the number of the customer's mobile communication tool 18 to the server 9 of the bank's customer database and the request from the customer's TIN 17 to the server 10 of the database of issued cards/balances are sent from module 13.1 of processing UMEV payment orders. The request/application with confirmed data is sent to the transaction management server 4. Then the procedure is performed similarly.

According to another version of the proposed system implementation, the customer 17 is given access to the bank terminal management server through the bank terminal 2, in which the customer 17 enters the card and the RIM code of the card. After authorizing the card, the customer 17 selects the required service from the service menu and enters the payment order data in the corresponding fields, in particular, the number of his mobile device 18, the amount and the number of the recipient's mobile device 20. The bank terminal 2 forms and sends a request with the number of the customer's authorized card 17, the number of the customer's mobile communication device 18, the number of the recipient's mobile communication device 20 and the amount of funds to the bank terminal management server 3.

They process the received data of the payment order in automatic mode and send it to the server 15 for processing payment orders from bank terminals, on which they form a request/application for the execution of a transaction and carry out a check of the customer's ID and the balance of the customer's card/account by means of a request with the number of the mobile communication device 18 of the customer to the server 9 of the bank's customer database and the request from the customer's TIN 17 to the server 10 of the issued cards/balances database. The request/application with confirmed data is sent to the transaction management server 4. Then the procedure is performed similarly.

Thus, the proposed useful model provides increased manufacturability and expansion of system functionality, as well as increased convenience for the customer.

PI Application for invention Sh520020069170 A1, publ. 06.06.2002

Coo)

Claims (4)

USEFUL MODEL FORMULA 1. A system for carrying out the process of receiving cash in bank terminals without the use of a plastic card by using a payment order, which includes a processing center, bank terminals, a server of the bank's contact center, a SMO-gateway, a block for generating secret codes, a database of issued cards/balances, customer database, transit account database, which is characterized by the fact that the contact center server is equipped with at least one automated workplace of the contact center operator, online chat system and Z5Kure, while the secret code generation unit is located on the entered transaction management server, which equipped with a module for processing requests/applications for the execution of transactions and connected to the processing center, SMO-gateway and the server of the contact center, which is connected to the database server of the bank's customers and to the server of the database of issued cards/balances, in addition, the database transit account data is located on the entered cash disbursement management server, which connected to the transaction management server and the introduced bank terminal management server to which each bank terminal is connected. 2. The system according to claim 1, which differs in that a second CMO-gateway, a mobile banking server, a CMO order processing server, which is connected to the server of the database of bank customers, to the server of the database of issued cards/ balances and with the transaction management server. 3. The system according to claim 1, which differs in that an Internet banking server with a M/EV payment order processing module is introduced, which is connected to the bank's customer database server, to the issued card/balance database server, and to the management server transactions. 4. The system according to claim 1, which differs in that a server for processing payment orders from terminals is introduced, which is connected to the server of the database of bank customers, the server of the database of issued cards/balances, the server of managing transactions and the server of managing bank terminals.