WO2010056215A1

WO2010056215A1 - An apparatus that makes banking transactions by video conferencing and a method thereof

Info

Publication number: WO2010056215A1
Application number: PCT/TR2008/000129
Authority: WO
Inventors: Ilker Arabaci
Original assignee: Fintek Finansal Teknoloji Hizmetleri Anonim Sirketi
Priority date: 2008-11-12
Filing date: 2008-11-12
Publication date: 2010-05-20
Also published as: TR201004447T1

Abstract

The invention, particularly, relates to a communication method actualized by guiding the client (30) interactively step by step, in order to complete all transactions that he/she wants to make by the mentioned bank transaction officer (32) via a VTM which enables a bank client (30) to be able to make all banking transactions by means of a bank transaction officer (32) who is in a further call centre without a need to go to a branch and which is designed in a form of a cabin (10) which can be used both in the branch and in the safe outer places such as shopping malls and terminals and by which all transactions made in a branch can be made via video conferencing, and a VTM actualized in order to provide this aim.

Description

AN APPARATUS THAT MAKES BANKING TRANSACTIONS BY VIDEO CONFERENCING AND A METHOD THEREOF

FIELD OF THE INVENTION The invention relates to a micro branch without staff designed in the way that can serve both inside the branch (indoor) and outside the branch (outdoor) to enable all banking transactions such as cash advance, investment, paying bill to be done by video conferencing without the need to be gone to the branch bank.

The invention particularly relates to a method relating to a VTM which enable to fulfil client's banking transactions by the help of the officer in the further call centre and without any branch officer, physically, take on the task of the officer by software and hardware constituents and is designed in the way to be used both inside the branch and safe outer branches such as shopping malls and terminals by means of a banking transaction officer that communicate with the client through monitor, and the use of the apparatus being talked about.

DESCRIPTION OF THE RELATED ART

Nowadays, banks have been gaining an important seat for the person's economic activity. As for the time loss because of the queue in the braches, they come in sight as the biggest shortage of the clients of the bank. In addition to this, that the speed of the internet and the data transfer speed presented to the user, increase with the developing technology each passing day and that people, now, race against time reveal the necessity of any type of banking transactions being able to be made without the need people to go to the branches. In the direction of this necessity, to enable that people can do their banking transactions such as cash advance, money transfer, paying debt/bill and the like without the need them to go to the branches of which they are clients, ATM (Automated Teller Machine) apparatus arranged in the places where the population of the area is dense, are developed. By means of the apparatus being talked about, people can make banking transactions.

In the common situation of the technique, in comparison with the operations made in the branch in banking transactions, while increasing the productivity on behalf of the bank and the client, there are alternative distributions channels are developed in ATM functionality to increase the profitability by minimizing the operational expenditure of the bank. Channels such as telephone banking and online banking are the most known and widespread use of them. In the traditional channels being takes about, client, generally, uses the new technologies alone with the guidance of the machine or the computer. One of the most important disadvantages of the method is that the frequency of using these new apparatuses changes according to the adaptation level of the user to the technology. Particularly in the banks that have mostly elderly and retired clients, banking transactions are made in the branches because of the various factors the most active one of which is technology adaptations. Since ATM isn't used by some of the elderly and retired people, banking transactions are made in the branches, therefore, both bank staff and the client of the bank meet with unnecessary loss of labour force and time. Adaptation process (educational background) of ATM users to the usage of ATM being talked about, affect directly the rate of usage of ATM mentioned. Another factor which affects the frequency of ATM usage together with the adaptation process is that users cannot trust in transactions made by the related apparatus and their being discomfort able from the people around. With the aim of assigning of confidence in the banking transactions made by ATM, it is possible to come across with patents which are made in parallel with the development of the technique. For example; European Patent Application No. EP 1956566 discloses an ATM which has finger print definition system to make the definition of the identification of the user. Once more, to provide the same object, an ATM apparatus which has eye definition system, is disclosed in KR20020042241 numbered application. A handicap, which has an important role in ATM usage, wherein people around may see the personnel information of the user, necessitate to be done a set of evolutions in this matter, too. For example; US2007290033 numbered American application, to obstruct others to see the password or any personnel information of the users while they writing them down on the related apparatus, displays a security arrangement which obstructs the fugitive looks by positioning it on the keyboard. The result which appears as a consequence of works made in order to put the time loss encountered in banks away by making the ATM usage widespread and cause profitability by putting cost of labour force which is also unnecessary for the banks away, is that the usage of ATMs should be facilitated and easy and quick adaptation of users to the apparatus should be provided. That the branches have high cost of rent, maintenance, energy and personnel, that the personnel employed to meet the density encountered in the specific days of week or month might remain inactive at other times, that it is impossible to make transactions out of working hours and that the logistics of the branch beside the logistics of the personnel and the sheltering need creates a huge cost, make ATM usage much more important. However, the necessity of giving a card to clients to make banking transactions in the ATMs used with present technique and to make identification confirmation, the necessity of the client's having high educational level, that the used banking transaction set is limited and transaction limits are low, and that they are in a structure which is not flexible and customizable according to the client, are the factors that reduce frequency of usage.

ATMs used in present applications; are just apparatuses that guide clients with a variety of programmed instruction, not much. Since the functionality of the ATM apparatuses are limited, the thing to be done, in fact, is to make branch without personnel by minimizing it and to enable all banking transactions done via this micro branch with distant banking.

When all previous technical documents and present applications are analysed, it cannot be encountered to an application which discloses without personnel branch that doesn't require any card and/or definition information to identify the client, and elderly clients can use easily.

As a conclusion, particularly, the existence of the need for a VTM in which the security and transaction comfort is as much as in the branch environment since there is a video and sound communication with the client, and all transactions which are made in branches can be made, and the inadequacy of the present solutions in this field, necessitate to do a development in the related technique field.

BRIEF DESCRIPTION OF INVENTION

The present invention relates to an apparatus which can make banking transactions by video conferencing, meet the requirements mentioned above, eliminate all disadvantages and provide some extra advantages and a method relating to this.

An object of the invention considering the known state of the technique, is to provide a client to make all transactions, that can be made in the bank, easily with the guidance of the transaction officer as if the client was negotiating with the transaction officer in the bank, by starting video conferencing with the perception of his/her entity by means of sensors, when he/she sits on the seat in front of the VTM designed as without personnel branch or in a different way. An object of the invention is to provide that any card, apparatus, etc aren't needed to identify the client.

An object of the invention is to provide that clients can complete all transactions only via VTMs when they have a very wide set of transaction by which all transactions made in the braches can be made. Another aim of the invention is to present an apparatus which retired and/or elderly people and also specially clients have low education level can use easily.

An object of the invention, more specifically, is that all banking transactions are made in the direction of the client's wish since the transaction officer is in a direct communication with the client by the help of video conferencing. An object of the invention is to provide a decline in long queues appear in the banks.

An object of the invention is to present cost efficient apparatuses that enable all transactions which are made in the branches can be made instead of the branches whose high rent, maintenance, energy and personnel expenditures are too much.

An object of the invention is to reduce down the cost since the related communication a personnel who communicates with the client is employed in the head office.

Another object of the invention is to provide that it is used in any hour of the day by eliminating the limitation of rendering of services in working hours as in any branch.

The invention, particularly, to fulfil the objects mentioned above, is an apparatus which enables a bank client to be able to make all banking transactions by means of a bank transaction officer who is in a further call centre without a need to go to a branch and which is designed in a form of a cabin which can be used both in the branch and in the safe outer places such as shopping malls and terminals and by which all transactions made in a branch can be made via video conferencing, its characteristic is characterized in that it contains at least one sensor which enables a client wish information to be sent to at least one central server by sensing the entity of the client who comes in front of the apparatus mentioned in order to make transaction, at least one camera that transfers the image of the client to the transaction officer in order to provide a communication between the client and mentioned bank transaction officer who took the wish information, at least one monitor arranged in order to transfer the image of transaction officer to the client, at least one palm reader to identify the client by which biometric control is done when the client put his hand in it, at least one microphone in order to provide audio communication between the bank transaction officer and the client and at least one loudspeaker and that the mentioned bank transaction officer guides interactively step by step in order to complete banking transactions the client who is identified by the mentioned palm reader wants to make.

The invention, in order to carry out the objects mentioned above, is a method of communication with video conferencing which provides bank clients to make all banking transactions with the interactive guidance of a bank transaction officer in the further call centre, via an apparatus by which banking transactions is made with at least a video conferencing, without a need to go to a branch and contains transaction steps of sending communication wish about the perception of the client to at least one central server as a result of the perception of the client by means of at least a sensor, in such a way that he/she sits on the seat in the cabin and/or in different way, mentioned central server sending wish message to the transaction officer who is currently suitable for the communication and being started video conferencing between the bank transaction officer and the mentioned client.

The present invention, in order to actualize all advantages which were mentioned above and will be understood from the detailed expressions below, brings about a good deal of simplicities by way of its characteristics. Structural and characteristic features of the invention will be understood clearly by the virtue of drawings whose all advantages are given below and detailed descriptions which is written in order to refer these drawings, for this reason, evaluation should be done by taking into consideration these drawings and detailed descriptions. BRIEF DESCRIPTION OF THE DRAWINGS

For the purpose of structuring the present invention and the advantages being ideally understandable with the additional elements, it should be evaluated with the drawings explained below. Fig. 1 is a two dimensional front views of VTM with which banking transactions are made by present subject video conferencing.

Fig. 2 is the perspective view of VTM cabin in which banking transactions are made by present subject video conferencing.

Fig. 3 is schematic view of communication between the client and the bank transaction officer.

Reference numbers and Abbreviations

10. Cabin

11. Ventilator

12. Camera 13. Loud speaker

14. Contactless card reader

15. Card reader

16. Coin receiving/giving unit

17. Banknote receiving/giving unit 18. Signature receiving unit

19. Palm reader

20. Numeric keyboard

21. Microphone

22. Check writer 23. Document / Receipt writer

24. Document scanner

25. Barcode reader

26. Sensor

27. Monitor 28. Seat

29. Application documents container box

30. Client

31. Central server 32. Transaction officer

33. Advertising board

34. Entrance door

VTM (Video teller machine) ATM (Automated Teller Machine) WAN (Wide Area Network)

DETAILED DESCRIPTION OF THE INVENTION

In this detailed description, preferred embodiments of an apparatus (VTM) which can made banking transactions via video conferencing, the subject of the invention and a method related to this communication method, are only represented as an example to make the subject understood much better and in a way that there would be no limiter effect. In all descriptions, hereafter, VTM expression will be substitute for an apparatus with which banking transactions are made via video conferencing. Like the client (30) who get transactions made in a normal branch, the client (30) uses physical components only in the transactions such as money receiving/giving with the apparatus in the subject of the invention and the method, except that all transactions are made by means of bank transaction officer (32) who made guidance via further control, like the personnel who gets transaction made in the booking office. Thus, even the ones who have weakness in the matter of using suchlike apparatuses will use the apparatus in the subject of the invention easily.

In the Figure 1, it is given a two dimensional front view of VTM which has the feature of video conferencing in the subject of the invention. The client (30) who wants to make banking transaction via mentioned VTM, only sits on the seat (28) in front of the VTM which has a cabin design in a preferred application of the invention without a need to use any card and to input secret identity data to the system. When the client (30), who enters in from the door as if he/she enters in a branch, sits on the seat (28) in front of the system positioned inside the cabin (10), that the client (30) came is perceived via at least one sensor (26) and a message is sent to central server (31). Mentioned sensor (26) might be movement perception and/or heat sensor and also sensors which have different features might be used. Central server (31) send the coming call information to the bank transaction officer (32) in the call centre and video conferencing connection is established by bank transaction officer (32) by answering the wish. Client (30) sees the bank transaction officer (32) in the call centre by means of at least one monitor (27) arranged on a VTM and hears his/her voice from the loudspeaker (13). Bank transaction officer (32) in the call centre sees the image of the client (30) via camera (12) and hears his/her voice by means of microphone, thus the communication is established. By the help of mentioned camera (12), the image of the client (30) who is perceived when sitting on the seat (28) after entering inside the cabin (10) is transmitted to bank transaction officer (32) by photographing or by online shooting and by providing further control by the help of video conferencing -since the transaction officer (32) is in a direct communication with the client (30)- all banking transactions are completed in the direction of the client's (30) wishes and needs.

After establishing communication between the client (30) and the bank transaction officer (32), client tells the transaction that he/she wants to do and for the first step mentioned bank transaction officer (32) wants client (30) to put his/her hand to the palm reader (19) in order to identify him/her. After being confirmed, the client (30) completes his/her transactions with bank transaction officer (32) interactively step by step according to the transaction type that he/she wants to do. Bank transaction officer (32) may want the client (30) to put the document being talked about on the scanner, to see the identity card or any document of the client (30). He/she uses coin receiving/giving unit (16) and banknote receiving/giving unit (17) for withdrawal and investment transactions. If it is needed to have the client's (30) signature in any step, he/she wants the client (30) to sign the signature receiving unit (18) which front of the mentioned VTM. By doing such an application, the security is held in the highest level, and the signature is confirmed by comparing with the signed transactions that the client (30) made before. If the client (30) wants to make transaction with card, he/she can use contactless card reader (14) or card reader (15). If there is a need to enter any password, he/she can use numeric keyboard (20). In transactions such as paying bills, he/she can get his/her bill read in the barcode reader (25). After completing transactions, he/she can get his/her receipt from document/receipt writer (23). He/she can also get his/her check which shows completed transaction summary from the check writer (22). Transaction officers (32) in the centre terminate the conference after he/she has completed his/her transaction and client (30) stands up from his/her seat and leave the cabin (10). Air conditioning of the cabin (10) is done by the help of ventilators which is in the front and provides air conditioning inside the cabin. There is positioned an application documents container box (29) in order to collect application documents in the applications such as credit application of the client (30). The communication process which starts with the embodiment of the client (10) on the mentioned seat (28) after entering inside the cabin (10), is terminated by the transaction officer (32) after the completion of all transactions of the client (10). Different methods also can be used except for the movement perceived by at least one sensor (26) to enable transaction officer (32) to get in contact with the client (30). In the Figure 3, there is given schematic view of the communication between the client (30) and the bank transaction officer (32). The communication is actualized by sending communication wish about the perception of the client (30) to the central server (31) as a result of the perception of the client (30) in such a way that he/she sits on the seat (26) in the cabin (10) and/or in different way, mentioned central server (31) sending wish message to the transaction officer (32) who is currently suitable for the communication and providing video conferencing between the bank transaction officer (32) and the client (30) on internet.

It can be provided VTM's in the subject of the invention giving service by making the cabin (10) which will be used in the outer places smaller and compact, and by positioning it in a line side by side in a separate division in the branches. Sizes and visual features of the mentioned cabin (10) can be changed. There might be created a different source of income by arranging an advertising board (33) which can be used with commercial purpose to the backside of the cabin (10).

Alternatively, mentioned VTM can be produced in such a way that it has different designs but similar functions in the manner that it can work both inside the branch (indoors) and outside the branch (outdoors).

The conservation scope of this application, are determined in the claims section and it cannot be certainly limited with the things described above with the aim of exemplifying. It is obvious that an expert person in the technique can present the innovation presented in the invention by also using similar constructs and/or that he/she can also apply this construct to other fields which is used in the related technique and have similar aims. Consequently, it is obvious that such constructs will be devoid of the criteria of innovation and overcoming particularly the known situation of the technique.

Claims

1. The invention, particularly, is an apparatus which enables a bank client (30) to be able to make all banking transactions by means of a bank transaction officer (32) who is in a further call centre without a need to go to a branch and which is designed in a form of a cabin (10) which can be used both in the branch and in the safe outer places such as shopping malls and terminals and by which all transactions made in a branch can be made via video conferencing, characterized in that it contains at least one sensor (26) which enables a client (30) wish information to be sent to at least one central server (31) by sensing the entity of the client (30) who comes in front of the apparatus mentioned in order to make transaction, at least one camera (12) that transfers the image of the client (30) to the transaction officer (32) in order to provide a communication between the client (30) and mentioned bank transaction officer (32) who took the wish information, at least one monitor (27) arranged in order to transfer the image of transaction officer (32) to the client (30), at least one palm reader (19) to identify the client (30) by which biometric control is done when the client (30) put his/her hand in it, at least one microphone (21) in order to provide audio communication between the bank transaction officer (32) and the client (30) and at least one loudspeaker (13) and that the mentioned bank transaction officer (32) guides interactively step by step in order to complete banking transactions the client (30) who is identified by the mentioned palm reader (19) wants to make.

2. An apparatus according to claim 1 , characterized in that it contains at least one document scanner (24) which provides identity of the client (30), the documents related to the transactions that he/she wants to sent to the bank transaction officer (32), bills that he/she wants to pay, and etc. to be transmitted to the other side as the document image.

3. An apparatus according to claim 1 , characterized in that it contains at least one signature receiving unit (18). by which electronic and/or biometric sign is taken when there is a need that the client (30) signs in any step in order to provide that he/she signs.

4. An apparatus according to claim 1 , characterized in that it contains at least one barcode reader (25) to which the bills that the client (30) wants to pay are read.

5. An apparatus according to claim 1 , characterized in that it contains at least one application documents container box (29) arranged on the front body in order to collect application documents in the applications such as credit application of the client (30).

6. An apparatus according to claim 1, characterized in that it is in the shape of a cabin (10) which has at least one entrance door (34) in order to use in outer places.

7. An apparatus according to claim 1 and 6, characterized in that it contains ventilators (11) which provides air conditioning inside the cabin by being arranged to the front in order to provide ventilating of the mentioned cabin (10).

8. An apparatus according to claim 1 and 6, characterized in that it contains at least one seat (28) which provides the client (30) to start his/her transactions by arranging it to the front of the system arranged in the mentioned cabin (10) and to complete his/her transactions by sitting.

9. The invention is a method of communication with video conferencing which provides bank clients (30) to make all banking transactions with the interactive guidance of a bank transaction officer (32) in the further call centre, via an apparatus by which banking transactions is made with at least a video conferencing, without a need to go to a branch, characterized in that it comprises the steps of, sending communication wish about the perception of the client (30) to at least one central server (31) as a result of the perception of the client (30) by means of at least a sensor (26), in such a way that he/she sits on the seat (28) in the cabin (10) and/or in different way, mentioned central server (31) sending wish message to the transaction officer (32) who is currently suitable for the communication and being started video conferencing between the bank transaction officer (32) and the mentioned client (30).

10. An apparatus according to claim 9, characterized in that biometric control is done via palm reader (19) in order to identify the client (30) after starting video conferencing.

11.An apparatus according to claim 9, characterized in that after starting video conferencing, the type of the transaction that the mentioned client (30) wants to make is asked by the bank transaction officer (32).

12. An apparatus according to claim 9, characterized in that documents wanted to be seen by the mentioned bank transaction officer (32) are put on the document scanner (24) by the mentioned client (30).

13. An apparatus according to claim 9, characterized in that coin receiving-giving unit (16) and banknote receiving-given unit (17) are used for the withdrawal and investment transactions by the client (30).

14. An apparatus according to claim 9, characterized in that if there is a need to take sign from the client (30) in any step, electronic and/or biometric sing is taken from the mentioned client (30) via signature receiving unit (18).