WO2004027723A1 - Terminal interactif a ecran tactile de libre-service utilisable dans des banques. - Google Patents

Terminal interactif a ecran tactile de libre-service utilisable dans des banques. Download PDF

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Publication number
WO2004027723A1
WO2004027723A1 PCT/IN2002/000188 IN0200188W WO2004027723A1 WO 2004027723 A1 WO2004027723 A1 WO 2004027723A1 IN 0200188 W IN0200188 W IN 0200188W WO 2004027723 A1 WO2004027723 A1 WO 2004027723A1
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WO
WIPO (PCT)
Prior art keywords
self
kiosk
touch screen
service
user
Prior art date
Application number
PCT/IN2002/000188
Other languages
English (en)
Inventor
Murthy Gopinath Ram
Original Assignee
Murthy Gopinath Ram
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Murthy Gopinath Ram filed Critical Murthy Gopinath Ram
Priority to AU2002341381A priority Critical patent/AU2002341381A1/en
Priority to PCT/IN2002/000188 priority patent/WO2004027723A1/fr
Publication of WO2004027723A1 publication Critical patent/WO2004027723A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs

Definitions

  • the device is a touchscreen monitor combined with a computer system, executable software to control a defined sequence of operations and a variety of devices that allow a user to conduct a variety of banking transactions in an efficient manner.
  • a pay-in slip is filled in duplicate-triplicate in some cases (account number, date, amount in figures & words and signature), cash is given to cashier who counts & stamps counterfoil, and Instrument is given to clerk who verifies & stamps counterfoil.
  • Fig 1 shows the self-service kiosk system ATK-100
  • Fig 2 shows the connection between ATK-100, the database and the computer in the bank;
  • Display Graphics DG1 to DG33 shows the various screen displays during operation;
  • Flow Charts FC1 to FC13 shows the operational chart during various transactions;
  • Print outs POl to PO7 shows the various print outs that can be generated after the transactions.
  • Alarm System Visual or Audible.
  • the ATK-100 is connected to the database (DB) and the computer (5) in the bank through cables. Since it is well known as to connections should be made, the figures do not show the cables necessary to establish connectivity.
  • DG1 shows a screen display Graphic on Touch screen monitor 2. This is the Main Menu.
  • buttons, Bank Name, Welcome message and Instructions may be formatted or edited to any functionally acceptable size, color, location, grammar or language on the screen as per the desire of the service provider.
  • buttons This applies to all such button images, graphic prompts, display graphics and Print out formats that have been shown in the document for ease of explanation.
  • These button images may be located together on a single Display Graphic or separately on several Display Graphics as per the convenience of the ATK100 service provider.
  • the user may add image buttons to control actions like 'previous display', next display', 'go to ', if & when necessary.
  • a user starts a transaction by touching a button image pertaining to the service required.
  • buttons Images once touched will lead the user through a predetermined sequence of display graphics that will appear on the ATK100 monitor screen-2.
  • Display Graphics will display Information, animated graphics and Instructions for the user to conduct transactions intuitively & in a simple manner.
  • Every printout from the printers- 4a and 4d will by default have the time, date, bank, branch details, transaction type, account number, name of account holder and a distinct transaction number. Other details on the printout will depend upon the transaction type.
  • the Instruction - ENTER ACCOUNT NUMBER, PIN, AMOUNT means that the user enters his / her account number using the on-screen alpha- numeric keypad, using B-C (Button -C) to correct wrong entries & touching B-OK to transit to the next Display Graphic and action as per the sequence of that particular transaction.
  • FC1 Touching button image -Self (B-Self) in DG2 will change DG2 to DG3.
  • BLOCK 10 checks whether the entered account number matches with at least one entry in the existing database. If NO then DG3 displays a new Instruction stating wrong entry and to re-enter account number. Re-entering is permitted for a maximum of 3 attempts after which an alarm is initiated.
  • the display changes to DG4.
  • BLOCK 30 checks if the amount entered is within permissible limits set by the bank. If
  • YES then display changes to DG6, and Receipt Printer 4a prints token with transaction details as shown in Printout 1 (POl).
  • the person having completed the transaction at the ATK100 collects the token from the printer 4a, affixes signature, surrenders the token to the Cashier and collects Cash as stated in the transaction.
  • BLOCK30 DG32 is displayed
  • BLOCK10 checks if the entered account number of beneficiary exists and displays the name of account holder in DG33, and the value of amount to be transferred is displayed. Touching B-C changes display to DG32. Touching B-OK debits amount from account and credits to account 'X' and printer 4a, prints token with transaction details as shown in Fig PO7. 2. Function Withdrawal: Bearer
  • FC2 BLOCK 10 & BLOCK 30 - procedure is same as in FC1 explained above.
  • the display then changes to DGl after 5 seconds.
  • the person having completed the transaction at the ATKIOO collects the printout (PO2) from the printer 4a, surrenders token & cheque to the Cashier, who verifies the cheque & token and delivers Cash as stated in the transaction & mentioned in cheque.
  • the ATKIOO service provider may also alter this procedure as follows: The user may get the PO2 & cheque verified by the clerk before going to the cashier.
  • DG3 & BLOCK 10 can be replaced by DG3.1 & BLOCK10.1, as shown in FC2.1, where instead of entering Account number, the cheque number can be entered.
  • BLOCK10.1 will match the cheque number with the account number against which it has been issued. Rest of the procedure is same as above.
  • DG7 & BLOCK 50 can replace DG3 & Block 10, where instead of entering Account number, the display prompts the user to insert cheque into MICR Reader.
  • BLOCK 50 reads the Magnetic Characters on Instrument, searches for the place, branch, and cheque number in the MICR Code Directory and locates the account number pertaining to the issued cheque. Rest of the procedure is the same as above.
  • Amount to be deposited is entered in DG5 and on touching B-OK the display changes to DG16.
  • DGl 6 asks for number of cheques to be deposited. Upon entering number of cheques & touching B-OK display changes to DG7, which instructs the user to insert cheque into the MICR Reader 4e.
  • BLOCK 50 reads the Magnetic Characters on Instrument, searches for the place, branch, and bank details in the MICR Code Directory.
  • DG7.1 user enters the MICR CODE ie the entire code comprising cheque number & bank code.
  • BLOCK51 searches for the bank details in the Code Directory.
  • DG5 asks for the amount of cheque and BLOCK 40 prints the pay-in slip PO4.
  • FC5 BLOCK 10 checks whether the entered account number matches with at least one entry in the existing records. If NO then DG3 displays an Instruction stating wrong entry and to re-enter account number. Re-entering is permitted for a maximum of 3 attempts after which an alarm is initiated.
  • BLOCK 20 checks if the entered PIN matches with the PIN recorded against the entered account number in the records and on a correct match, display changes to DG5. Wrong entry scenario is same as above.
  • BLOCK 30 checks if the amount entered is within permissible limits set by the bank. If YES then display changes to DGl 1.
  • DG11 enables the user to select the geographical location where the Instrument will be payable at.
  • the user can key in the location name using the on-screen virtual alphabetic keyboard OR touch the B- SEARCH whereupon the display changes to DG12.
  • BLOCK 70 in FC5 to ascertain that the bank has a branch in that location. If the check is OK then in BLOCK 55 commission for the amount of Instrument purchased and the total amount is calculated and the display changes to DGl 3.
  • DGl 2 enables the user to scroll UP or DOWN and select one of the locations that have been entered in the records. (A multiple level search can be incorporated e.g. first level could be locate region, second level search could be search city) After selecting the location the user touches B-OK. In this case there will be no need to check if the location exists and here BLOCK 55 calculates commission for the amount of Instrument purchased and the total amount and the display changes to DGl 3.
  • DGl 3 shows the amount, commission, total and location payable.
  • B-C can be used to correct any previous entries ie touching B-C will return the display to the previous display. If OK, user touches B-OK and initiates BLOCK 60 where the details are printed as shown in PO5.
  • DG6 prompts the user to collect printed slip, enter the name of the beneficiary manually, and present the application to the accountant.
  • Button Image- Balance On touching Button Image- Balance (this button image may be located in Main Menu or under General Information as per the service providers choice), the DG will change to DG3 as shown in FC6. After accessing the account by satisfying the authentication conditions, DGl 4 is displayed. Here further actions may be performed if user desires by touching on the button images - PP, NP, PS, MM or exit. This is performed in BLOCK 75.
  • A. Cash withdrawal- Self B. Cash Withdrawal - Bearer
  • C. Cash Deposit E. Purchase Instrument
  • F. Check Balance & Print Statement can be performed from any bank branch within certain geographical areas decided by the ATK100 service provider. It could be within city limits, within districts, within states or within the country.
  • the user wishes to transact the above function using an ATKIOO, located in Bankl, Branchl 0, Cityl 0, and Statel 0 where the user does NOT have an account.
  • DG20 allows the user to locate State 1, using the scroll buttons. On touching B-OK the list of cities in State 1 where Bank 1 has branches is fed the list into the search table of DG21. DG21 allows the user to scroll the list in the table and locate City 1.
  • DG21 On touching B-Ok in DG21, the list of branches of Bankl existing in City 1 is fed into the search table in DG22.
  • DG22 user locates Branchl where he/she has an account and touches B-OK.
  • DG23 allows the user to enter account number, PIN & amount.
  • BLOCK 100 connects ATKIOO in BranchlO, CitylO to the computer in Branchl, Cityl which could be by using Transmission Control Protocol / Internet Protocol (TCP/IP) and establishes Identities at both ends.
  • TCP/IP Transmission Control Protocol / Internet Protocol
  • BLOCK110 sends the Account number, PIN and amount entered in ATKIOO at BranchlO, City 10 to computer in Branchl , Cityl .
  • BLOCK120 the computer in Branchl, Cityl checks ifthe Account number, PIN & amount is as per records and whether it can be permitted. If the parameters do not match then the computer informs the ATKIOO in BranchlO to display graphics DG 24 to correct the erroneous parameter.
  • BLOCK140 disconnects the established link to Branchl, Cityl and stops the Timer.
  • the communication charges and applicable commission is calculated as per norms.
  • BLOCK40 instructs the printer 4a of ATKIOO in BranchlO, CitylO to print receipt that has all details of the transaction similar to POl but with more details, as required by the service provider.
  • the User collects the receipt, affixes signature and collects cash from the Cashier in BranchlO, CitylO.
  • DG7.1 can be displayed where the user can enter the MICR code indicating the place, branch & bank details.
  • BLOCK 60 searches for the place, branch & bank details against the code and if yes displays DG23 and rest of the procedure is followed. If not alarm is activated.
  • This function allows a bearer cheque to be encashed in the same bank, any branch in any city. Assume that a person having an account in Bankl, Branchl, Cityl issues a bearer cheque to person in CitylO.
  • the bearer presents the cheque to the accountant who verifies the date and eliminates the possibility of the cheque being a counterfeit and grants permission to the bearer to use the ATKIOO.
  • the bearer navigates to the menu option: Any Branch Banking - Cash Withdrawal- Bearer.
  • DG7 is displayed which instructs the bearer to insert the cheque into the MICR Reader 4e of ATKIOO in CitylO.
  • BLOCK 50 reads the Magnetic Ink Characters on the cheque and searches for the place, branch, and bank details in the MICR Code Directory. If code has a problem then alarm is activated else DG30 is displayed where user enters the cheque number and the amount mentioned in the cheque.
  • BLOCK210 sends the information entered in DG30 ie the account number, cheque number and the amount entered in DG5 to the computer in Bankl , branchl , Cityl .
  • BLOCK220 the computer in Bankl, branchl, Cityl checks whether the cheque number matches with the cheque issued to that account number and whether there is sufficient balance or not. If there is no match then the DG30 instructs the user to correct the wrong entry. More than 3 attempts will trigger an alarm. IF BLOCK220 condition is OK then BLOCK230 Instructs the Bankl, CitylO branch that payment may be authorized subject to manual signature verification and sends the signature sample as per records of the cheque issuer to the computer. Line is disconnected.
  • BLOCK250 calculates the details of the transaction including charges deducted as commission and communication expenses as per the norms of the Bank.
  • BLOCK 40 prints receipt with relevant transaction details.
  • the bearer affixes signature on the receipt and collects cash from the cashier
  • DG7.1 can be displayed where the user is prompted to enter the MICR code ie the cheque number and the code indicating the place, branch & bank.
  • BLOCK 60 searches for the place, branch & bank details against the code and if yes displays DG30 and rest of the procedure is followed. If not alarm is activated.
  • This function allows a person holding an account in Bank 1, branchl, Cityl to deposit Cash in Bankl, any branch and any city.
  • Refer FC12 DG20, DG21, DG22, DG3 and DG5 allow the user to locate the branch where the account exists and enter the account number & amount to be deposited. On touching B-OK in DG5 the pay-in slip is printed which is similar to PO3 with a few more details.
  • the person remits cash with the pay-in slip. This amount is credited to the person's account in branchl, cityl.
  • This function allows a person holding an account in Bank 1, branchl, Cityl to purchase an Instrument from Bankl , any branch and any city. Refer FC 13.
  • BLOCK99 allows search for location (same as in 5.
  • Function - Purchase Instrument) calculates commission and adds it to the amount of Instrument mentioned in DG23 and totals.
  • BLOCK 100 -BLOCK140 is same as in 5.
  • BLOCK 140 adds the extra cost of communication & other charges.
  • DG6 prompts the person to collect application from printer.
  • FC4 will be substituted by BLOCK80 as shown independently in FC7.
  • GD4 will be substituted by DGl 5 where instructions on which finger can be placed and the position of the fingerprint scanner -4f in the ATKIOO can be indicated.
  • An alphanumeric keypad - 4b can be integrated at the Cashier / Teller. The user may be asked to re-enter the PIN on the numeric keypad as a cross check before cash is delivered, in the case of 1.
  • This option can be used in conjunction with the choice and procedure of getting a print out with transaction details OR entirely dispensing with the print out for cash withdrawal - Self- transactions.
  • barcode printer- 4c can be configured to output a printout that will print the transaction details in the form of a barcode in the case of a successful transaction.
  • This bar-coded printout can then be handed over to the cashier / teller who will scan this printout using a barcode scanner- 4d which will read and display the details of the transactions on a computer monitor display located at the cashier's workplace.
  • a barcode scanner- 4d which will read and display the details of the transactions on a computer monitor display located at the cashier's workplace.
  • Customers can be issued magnetic swipe cards that can be swiped at the Swipe card reader - 4g. This will eliminate the steps where the user is required to enter account number. The user only needs to enter PIN and continue the subsequent procedure instructed by the ATKIOO.
  • Smart cards which when inserted into the Smart Card Reader / Writer - 4i identifies the user. Only the PIN needs to be entered and continue with the transactions. Depending on the facilities incorporated in the Organization, the Smart card can be updated with the latest transactions.
  • a web camera - 4j can be located in the ATKIOO, which will capture a photograph of the user after each successful transaction. In case the user is an account holder then photograph can be compared with the existing photograph in the records together on the computer monitor screen located at the cahier / teller workplace.
  • the Invention has been detailed with an arrangement of hardware devices, features and a process of operations to result in particular transactions.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un terminal interactif à écran tactile de libre-service utilisable dans des banques (1), lequel terminal comprend: a. un moniteur commandé par écran tactile (2); b. un microprocesseur, une mémoire, un disque dur, une disquette, un CD-ROM et un modem de type équipement associé, une connectivité réseau, des pilotes de périphérique nécessaires et un ensemble d'instructions logicielles pour générer et afficher de manière dynamique sur l'écran tactile les instructions de transactions et le résultat de ces transactions; c. une imprimante (4a) d. un lecteur (4e, 4g) de caractères magnétiques MICR; e. un boîtier de terminal interactif connu pourvu d'une porte verrouillable, de points de distribution d'énergie, des roues pivotantes, des vis de réglage, des ventilateurs, un élément permettant de fixer un transparent et un espace suffisant pour fixer les éléments mentionnés dans les points a à d.
PCT/IN2002/000188 2002-09-18 2002-09-18 Terminal interactif a ecran tactile de libre-service utilisable dans des banques. WO2004027723A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2002341381A AU2002341381A1 (en) 2002-09-18 2002-09-18 A self-service touchscreen kiosk for use in banks.
PCT/IN2002/000188 WO2004027723A1 (fr) 2002-09-18 2002-09-18 Terminal interactif a ecran tactile de libre-service utilisable dans des banques.

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IN2002/000188 WO2004027723A1 (fr) 2002-09-18 2002-09-18 Terminal interactif a ecran tactile de libre-service utilisable dans des banques.

Publications (1)

Publication Number Publication Date
WO2004027723A1 true WO2004027723A1 (fr) 2004-04-01

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Application Number Title Priority Date Filing Date
PCT/IN2002/000188 WO2004027723A1 (fr) 2002-09-18 2002-09-18 Terminal interactif a ecran tactile de libre-service utilisable dans des banques.

Country Status (2)

Country Link
AU (1) AU2002341381A1 (fr)
WO (1) WO2004027723A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108091079A (zh) * 2017-12-18 2018-05-29 国网河北省电力有限公司电力科学研究院 一种智能电力自助服务系统
CN109027593A (zh) * 2018-08-18 2018-12-18 柳州市嘉乐投资有限公司 一种企业投资管理系统
US11004141B2 (en) 2018-09-26 2021-05-11 The Toronto-Dominion Bank System and method to direct processing of orders to improve processing resource usage

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
WO1999066448A1 (fr) * 1998-06-17 1999-12-23 Imageware Software, Inc. Systeme d'identification pour la production de documents
US6105007A (en) * 1993-08-27 2000-08-15 Affinity Technology Group, Inc. Automatic financial account processing system
EP1139315A2 (fr) * 2000-03-20 2001-10-04 Faro Holdings Limited Système d'amélioration de guichet bancaire automatique

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6105007A (en) * 1993-08-27 2000-08-15 Affinity Technology Group, Inc. Automatic financial account processing system
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
WO1999066448A1 (fr) * 1998-06-17 1999-12-23 Imageware Software, Inc. Systeme d'identification pour la production de documents
EP1139315A2 (fr) * 2000-03-20 2001-10-04 Faro Holdings Limited Système d'amélioration de guichet bancaire automatique

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108091079A (zh) * 2017-12-18 2018-05-29 国网河北省电力有限公司电力科学研究院 一种智能电力自助服务系统
CN109027593A (zh) * 2018-08-18 2018-12-18 柳州市嘉乐投资有限公司 一种企业投资管理系统
US11004141B2 (en) 2018-09-26 2021-05-11 The Toronto-Dominion Bank System and method to direct processing of orders to improve processing resource usage
US11532029B2 (en) 2018-09-26 2022-12-20 The Toronto-Dominion Bank System and method to direct processing of orders to improve processing resource usage

Also Published As

Publication number Publication date
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