UA89058C2 - Method to obtain the cash at automated teller machines by means of using a muney order via sms - Google Patents

Abstract

The invention concerns a method for obtaining cash at teller machines wherein an action of the payment beneficiary, of a card, of an account or of any other instrument to obtain cash is not required, and this without requiring any transfer of funds to be carried out. The method provides for obtaining cash through a payment order via SMS, enabling the instruction ordered, through a mobile telephone, a certain amount of money to be paid to a third party who, through the information received on his mobile telephone, may obtain said amount at any enabled teller machine, provided with a security means of a code or an exclusive PIN code for each effective payment operation, and solely known to the person issuing the instruction and to the beneficiary. The payment method via SMS of the present invention is more particularly applicable to already existing teller machines and services.

Description

The invention relates to methods of obtaining cash in bank terminals without the use of cards by using a payment order through the 5M5 service (SMS) and is characterized by significantly new features and significant advantages compared to the known means used in this field so far. More specifically, the purpose of the invention is to create a package of modules designed to ensure the possibility of conducting a safe transaction to receive cash in bank terminals without the need to have any card. At the same time, cash withdrawal is carried out using a payment order through the service

ЗМ5, using for its issuance the network of bank terminals of at least one banking institution and without using the currently existing networks and protocols for ensuring card payments.

Therefore, the invention provides for the implementation of a number of control modules that will form a communication network designed to carry out operations with final payment orders through the 5M5 service without the need to transfer funds.

The present invention generally relates to industrial telecommunications and, in particular, to banking operations, especially in the field of managing services provided using bank terminals.

Withdrawal of cash through bank terminals provided by various banking institutions at the disposal of customers is widely used at this time. For many users, this service has become the most important, and this type of service is usually directly related to the use of a plastic card, bank account book or other means of payment that is convenient to manage and use for carrying out transactions of this type.

At this time, operations performed using bank terminals are protected by using a personal PIN code (PIN) known to the owner of the plastic card, which allows him to carry out operations offered by the bank terminal, which the requester considers necessary, and the owner of the account or means of payment or another the user who knows the PIN code and owns the means of payment is the only person who can operate the bank terminal.

In addition, payments to a third party can also be made using bank transfers. In this case, certain functionality is required, including two bank accounts, namely, a source account and a destination account, otherwise the use of credit cards for carrying out transactions of this type would require personal attention of the owner or, depending on the circumstances, the provision of personal card and its PIN code to a third party to carry out a transaction, which could lead to a sharp decrease in security.

Patent document (48-2 379 525 describes a method and device for making authorized electronic payments to third parties by means of funds transfers between banking institutions. Here, two bank accounts are required, namely the source account and the recipient account. Further, the patents of Japan Me UR- ІІ 039 538 and ОР- 2003 123 126 describe devices and methods for performing automatic operations, based in both cases on the use of the owner's personal PIN code to execute the order, and, accordingly, such that allow withdrawal of money only from one's own account. International patent PCT Me MO 00/22494 also describes a system and method for performing financial transactions, in which the customer makes an early payment of the amount of money to be transferred, so the recipient must have a physical instrument to return the funds.

In addition, the US document Me 2002069170 represents a way in which the customer can allow the beneficiary to use funds in a bank terminal without a plastic card. For this purpose, the beneficiary needs to enter the cipher or PIN code, about which he was previously informed by the customer, in the bank terminal. The transfer of information about the code to the customer concerns security issues, which makes its use in the banking sector and in operations with several beneficiaries impossible.

In this invention, all the above-described shortcomings have been eliminated and in this way significant improvements have been achieved in comparison with currently existing analogues.

Taking into account the existing situation with such operations, the main objective of the invention is to develop a method that allows to simplify everything necessary for carrying out secure operations or payments in favor of third parties who are not account holders, so that these operations can be performed without complications, on removal and without the need for a third party to be the owner of the account or means of payment of any kind.

The idea is based on the use of a mobile phone, with the help of which a payment in favor of a third party is made quickly and efficiently in such a way that the latter does not need to be the owner of an account of any type or means of payment, it is only necessary to use a mobile phone, which allows you to find out through the 5M5 service about data for the next cash withdrawal by a third party without using a card, etc. It is obvious that the transaction in question will depend first of all on the presence of the payer's sanction, and secondly on entering the PIN code associated with the transaction, so that each transaction in the bank terminal in which the payment is supposed to be made will have its own PIN -code.

Further, these and other characteristics and advantages of the invention are explained on the basis of a more detailed description of the best embodiment of the present invention with reference to the attached drawings, in which: fig. 1 depicts a schematic diagram of the system or illustrates the sequence of actions to be taken to finally withdraw cash from a bank terminal using a mobile phone using data transmission through the service

ZM5, and fig. 2 schematically depicts a structural diagram, like the one shown in fig. 1, illustrating a method known in practice as "clearing", which refers to transactions such as electronic clearing of fees, current charges, etc.

As stated above, a detailed description of the invention is given, taking into account the accompanying drawings, in which the same or similar parts are marked with the same numbers. Thus, in fig. 1 presents an example of the proposed system regarding the actions that must be performed sequentially to carry out operations of the proposed type using a mobile phone and using a 5M5 message, which allows or cancels a preliminary order so that a third party can withdraw a given amount of money specified by the customer of the operation, in any bank terminal designed for carrying out such transactions, without the need to use any means of payment and without the need to perform any operations on the transfer of funds during the transaction.

More specifically, the system proposed in the invention is arranged in such a way that the entire process related to the proposed operations includes the first stage 1a, related to the stage of the process in which the customer 2 of the operation uses a computer, a mobile phone or a bank terminal , to request the acceptance or cancellation of an operation of this type from the issuing object. Then, the second stage 260 is performed, in which the object C reports the request for acceptance or cancellation of the operation in online mode (op-iipe) to the central node or module of the national system of ATMRAH , marked with number 4, where the account of receipt from the Z object of acceptance or cancellation of the payment order is stored in the database 5.

After complying with the relevant formalities at the third stage 1c, the customer 2 is informed with help

ZMO5-message to a mobile phone or computer confirming the acceptance or cancellation of the transaction and, in case of its acceptance, permission to make a payment; otherwise, i.e. when the service is canceled, an automatic cancellation procedure is required to block the payment order.

Then, at stage 1a, the beneficiary 6 receives a 5M5 message on his mobile phone, which indicates various aspects of the operation, such as the account number, the amount and data about the customer 2, as well as the cipher or individual PIN code for each operation of this type.

When the beneficiary is familiar with the identification data, at stage 16e he makes a request to receive cash at a bank terminal 7 suitable for this purpose, in which the ATMRAX node stores all cryptographic codes in a secure form, and after entering the PIN code intended for this particular transaction , the bank terminal 7 at the 1st stage sends a request to the receiving objects 8 for sanction or correction.

At stage 19, facilities 8 send a sanction or correction request to module 4 of the national system

ATMRAKH, from which, at stage 1P, the sanction of the mandate or refusal of the mandate is received for processing at the objects 8. Then at the stage Those objects that acquire, provide the sanction or refusal of the bank terminal 7.

Next, at stage 1) cash is issued or a refusal to issue cash is issued to beneficiary 6.

Finally, at stage 1K, the module of the national ATMRAM system informs about the payment of object Z in offline mode.

The above-described method is developed on a national basis, but this fact should not be considered as a limitation, since this system can acquire worldwide application by means of communication or data processing between module 4 and the equivalent module 9 of the international ATMRACH system. In any case, the essence of the invention remains unchanged, since there is no need to transfer funds from one entity to another, which, as is known, could lead to a situation where the beneficiary 6 would have to have an account or means of payment that is not is a necessity according to the present invention.

Fig. 2 generally illustrates the method known by the name "clearing", in which the corresponding actions are performed after an operation of the above-mentioned type, in which electronic interbank clearing of contributions, current expenses and expenses is carried out.

Fig. 2 depicts in more detail the sequence of stages of this method, in which, at the initial stage 1b, the corresponding commands for payment of fees and current costs for the operation are transmitted by objects 8 to module 4 of the national system of ATMRAKH, which at stage 106 carries out a series of submission of payment orders, current costs and fees for facilities 3, and at stage 10c, appropriate calculations are made and fees are collected from customer 2.

After the above-mentioned stages, the objects 8 continue to make appropriate calculations in the used bank terminal 7 at stage 104. Then stage 10e is needed, in which the operation is performed with the national electronic clearing system 12 with the help of the object that liquidates the debt, 11.

Finally, at stages 107 and 109, appropriate reverse payments are made between objects C and objects 8 using module 4.

There is no need to specify this description, since experts understand the scope and advantages of this invention, and it will not be difficult for them to implement it and apply it in practice. However, it should be noted that this invention is described in accordance with a preferred embodiment of its implementation, and other embodiments may be presented within the spirit and scope of this invention.

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Claims (6)

1. The method of receiving cash at bank terminals without using a plastic card using a payment order through the 5M5 service, which is intended for withdrawal of funds without the need for the beneficiary to be the owner of an account, plastic card and the like, which is distinguished by the fact that it includes the following stages: a) the first stage (Ia), at which the issuing entity (3) receives, using the 5M5 service, a request from the customer or client (2) to accept or cancel the customer's payment order; b) stage (15), at which the issuing object (3) in interaction in the "online" mode with the module (4) of the national ATMRAU system, where all orders are processed, ensures the acceptance or cancellation of the payment order; c) stage (Is), at which a 5M.5 message about acceptance or cancellation is sent using a communication device for sending 5M5 messages and, in case of acceptance of the service, the corresponding payment sanction is transferred, which must be confirmed by the requester, and all this provided by module (4) of the national ATMRAU system; d) stage (14), at which the module (4) of the national ATMRAU system uses a communication device to send the beneficiary (b) a 5M5-message, in which the identification data of the customer, the amount of the transaction and the cipher or PIN code are indicated; e) stage (1e), in which the beneficiary (b) makes a request to withdraw cash in a bank terminal (7) adapted for this purpose without the need to use a means of payment, but using only the cipher or PIN code provided to him; f) stage (1), at which the receiving object (8) receives a request for sanction or correction from the bank terminal (7) via the communication networks of the actual receiving object (8); g) stage (12), at which a request for sanction or correction is made this time from the receiving object (8) to the aforementioned module (4) of the national ATMRAU system; h) stage (1), at which the module (4) of the national ATMRAU system authorizes or rejects the request made at the previous stage and transmits this decision to the receiving object (8); 1) stage (11), at which the receiving object (8) authorizes or rejects the operation and sends the corresponding message over the internal communication network of the bank terminal (7); k) stage (1)), at which the issuance of cash to the beneficiary (b) through the bank terminal (7) is confirmed or canceled, while, in the case of confirmation, the device for issuing cash is activated in the bank terminal (7), so that the beneficiary (6) can receive cash; l) stage (1K), at which a message is transmitted from the module (4) of the national ATMRAU system to the issuing object (3) about the execution of the payment order in the "offline" mode; m) stage (102), in which the receiving object (8) submits to the module (4) of the national ATMRAU system some data related to the payment, reflecting the processed payment instructions, fees and current costs incurred during the processing of the transaction; n) stage (105), at which module (4) of the national ATMRAU system presents payment instructions, fees and current costs to the issuing facility (3); o) the stage (1O0s), at which the publishing facility (3) provides the customer (2) with data on making calculations and collecting fees for the transaction; n) stage (104), at which the receiving object (8) performs the appropriate calculations with the bank terminal (7) used for the transaction; p) stage (1Oe), at which access to the national electronic clearing system (12) is carried out through the object (11), which liquidates the debt, where clearing actions related to the processed transaction are carried out; c) stage (104), at which appropriate returns are made between the issuing object (3) 1 module (4) of the national ATMRAH system, 1 t) stage (10), at which relevant returns are made between module (4) of the national ATMRAH system and receiving object (8). 2. The method according to point I, which differs in that, in addition to the means described in this invention, which indicates the use of a mobile phone, the operation can also be carried out using a computer or electronic equipment. 3. The method according to claim 1, which differs in that the beneficiary (b) is informed of a personal cipher or PIN code that is unique in each transaction of this type. 4. The method according to claim 1, which differs in that the beneficiary (6) is informed during the payment operation using a mobile phone through the 5M5 service. 5. The method according to claim 1, which differs in that the beneficiary (b) can withdraw cash from any bank terminal (7) adapted for this purpose. 6. The method according to claim 1, which differs in that the operation is carried out without any transfer of funds between issuing objects (3) and receiving objects (8).