WO2013093125A1 - Terminal pour l'envoi de mandats - Google Patents

Terminal pour l'envoi de mandats Download PDF

Info

Publication number
WO2013093125A1
WO2013093125A1 PCT/ES2011/070882 ES2011070882W WO2013093125A1 WO 2013093125 A1 WO2013093125 A1 WO 2013093125A1 ES 2011070882 W ES2011070882 W ES 2011070882W WO 2013093125 A1 WO2013093125 A1 WO 2013093125A1
Authority
WO
WIPO (PCT)
Prior art keywords
terminal according
remittance
terminal
sending
data
Prior art date
Application number
PCT/ES2011/070882
Other languages
English (en)
Spanish (es)
Inventor
Jesus Angel ARRANZ
Sebastian Plubins Malfanti
Original Assignee
Ria Payment Institution, E.P., S.A.U.
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 Ria Payment Institution, E.P., S.A.U. filed Critical Ria Payment Institution, E.P., S.A.U.
Priority to PCT/ES2011/070882 priority Critical patent/WO2013093125A1/fr
Publication of WO2013093125A1 publication Critical patent/WO2013093125A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Definitions

  • the present invention falls within the technical sector of payment services regarding the activity of sending and paying money, more specifically in relation to the sending of remittances abroad and payment of remittances from abroad through Payment Entities and companies remittances
  • the invention allows the client to send money easily and quickly. It offers the possibility of remote assistance, for example through video calling. It allows to use different means of payment to send the remittance or enter the remittance. It allows different payments either in cash (through the remittance entity) or through payment cards, without the need for a bank account assigned in its favor to carry out the different operations offered by the invention (through or without a remittance entity ).
  • the invention allows to facilitate the expansion of places to send money and obtain the payment of a shipment in your favor (shopping centers, supermarkets, service stations, public transport stations, specialized stores and in general, any place you want incorporate himself). Additionally, it allows the client the possibility of carrying out the sending of money by himself, choosing the place and the recipient of the shipment, in a simple and fast way, carrying out the procedure in its entirety without interacting in person with people or, depending on the circumstances, interacting with people in person only and exclusively for the time of payment of the quantities subject to shipment or for the collection of the amounts subject to payment.
  • the assisted terminal for sending money allows the client to act fully autonomously and use it at their convenience reducing the need to establish a direct relationship with any third party when sending the remittance.
  • the legislation of a country may require confirmation that certain conditions are met. For example, to prevent money laundering or the financing of illegal activities.
  • the terminal has an identification associated to ensure that the legal requirements of the country where it is installed are duly met.
  • the design features allow it to be personalized and adapt to any establishment with total autonomy and with minimal infrastructure so that you can implement the remittance service with a minimum investment.
  • Figure 1 shows a front view of a possible embodiment of the terminal for sending remittances indicating various elements that compose it.
  • Figure 2 shows a flow with the main stages of an "assisted turn" with which the sending of a consignment can be carried out semi-autonomously, assisted by an operator with whom a videoconference has been established.
  • the line of business can be completed through a remittance entity or without it.
  • Figure 3 shows a flow with the main stages of an "automatic turn" with which the shipment of a consignment can be made autonomously through a remittance entity or without it.
  • Figure 4 shows a flow of the remittance payment process in the terminal with the main steps.
  • the terminal also indistinctly called the kiosk, is not an ATM. Although similar in appearance, the terminal (or kiosk) does not store money inside. As a result, the requirement of shielding is relaxed as it could happen in ATMs. The terminal, therefore, is responsible for carrying out the necessary steps so that a user can send money to a country.
  • the terminal can provide the service to a user in two different ways that will be available through a menu 21.
  • the terminal In a first way, the terminal, after a series of operations as described in Figures 2 and 3, would provide the user with a ticket 66, 104 (receipt, voucher or similar document) accrediting the information necessary to complete the money transfer in a remittance entity associated with the terminal, which therefore recognizes the validity of the ticket. In this case, the user would pay the amount 64, 108 (or would charge it, if it were the recipient) in said remittance entity, without needing to identify as it would suffice with the information present in the printed ticket. In a second way, payment from the terminal itself would be enabled as shown schematically in figure 4.
  • the user could enter the amount 111 to be sent through electronic payment means 112 that the terminal would have for that purpose.
  • the terminal does not accept cash.
  • the user data 39, 75 are sent to an external validation entity (usually managed by the remittance company) that is first responsible for verifying if said user is a customer and for checking the viability of the shipment through consultations to a base of data.
  • an external validation entity usually managed by the remittance company
  • the user can establish telephone communication with an operator that assists in the use of the terminal or kiosk as indicated in figure 2.
  • an operator that assists in the use of the terminal or kiosk as indicated in figure 2.
  • a videoconference is maintained.
  • A) Customer already registered 35, 36 with the remitter The client will place his identification document in the document scanner so that the system automatically extracts the identification data from it 28.
  • the remittance operator 30, 32 may verify the existence from customer 34 to proceed with the shipment.
  • the customer will provide the data related to the remittance of the money remittance such as data 41 of the beneficiary, country and location of destination, amount to be sent, etc.
  • the remittance operator will help the client to process the shipment, and the latter can verify the data at any time before proceeding.
  • Unregistered customer 33 The customer will place their identification document in the document scanner so that the system automatically extracts the identification data 28 from it.
  • the remittance operator may verify and complete 34 data to create the customer's account and then proceed with the shipment.
  • the client will provide 41, when the beneficiary is not registered either, the data related to the sending of the remittance of money such as beneficiary data, country and location of destination, amount to be sent, etc.
  • the remittance operator will help the client to process the shipment, and the latter may verify the data at any time before proceeding 45.
  • the client will sign 55, 95 in the signature collection system (4), which will imply the consequent printing 62 of the ticket (7) that will contain the digitized signature of the client.
  • the ticket (which will contain all the data related to the shipment and will include barcode where applicable), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment where he is staying the assisted terminal (fig.l), once the total amount of money remittance has been received from the client.
  • the client can initiate the operation by entering his client card 74 issued by the remitter or by typing his telephone number 72 or his identification document number 73. If the client is found he will have to enter his PIN 83. Once authenticated he will be able to perform several operations 86, such as sending money, checking your previous shipments, changing your PIN number, checking available exchange rates, etc.
  • the customer can send a beneficiary to whom he has previously sent without needing assistance 90, simply by following the instructions and interacting with the touch screen.
  • a video call will be established with a tele operator of the remitter who will assist the client with the shipment.
  • the client will sign in the signature collection system (4), which will imply the consequent printing 104 of the ticket (7) that will contain the digitalized signature of the client.
  • the ticket (which will contain all the data related to the shipment and will include barcode where appropriate), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment 108 where it is located Stayed ends! assisted (fig.l), once the total amount has been received from the client of sending the money remittance or by payment through a debit or credit card 102.
  • the client can choose the option of using the webcam (1) to transmit their image in real time to the telemarketer and obtain assistance at all times and observe the image of the latter at through the touch screen (2).
  • Payment will be made with the help of a PAD PIN preferably embedded in the Kiosk, which will have the PCI PED certificates (Hardware PIN PAD) EMV level 1 (electronic reader hardware) level 2 (software commands) and those related to the processor. Subsequently, an End to End certification must be carried out including the entire Kiosk, the Kiosk and Server application and communications. (The latter is relatively short but it must be foreseen).
  • PCI PED certificates Hard PIN PAD
  • EMV level 1 electronic reader hardware
  • level 2 software commands
  • the PIN Pad has its own mini screen, Hybrid card reader, antenna and other components for communication with contacless cards and NFC devices, keyboard and crypto processor associated with the keyboard.
  • the amount to be charged is reached at the time of payment of the amount of the draft plus the commissions.
  • a record or file is completed with the amount and the identifying data of the transaction (according to the format expected by the application of the PIN Pad) and the control is passed to it.
  • the PIN Pad asks the user to introduce the card (or its approach to the reading area in the case of NFC and contacless). Once it is inserted correctly it asks for the PIN (if applicable). PIN validation is done offline. If the PIN is correct, an encrypted message is prepared with the card data and the amount is sent to the transaction processor ⁇ taking advantage of the equipment communications. The processor sends it to VISA, MasteCard etc.
  • the PIN pad receives a message with the authorization or denial of the transaction.
  • the PIN Pad writes the result, including the operation number and case of denial, the denial code in a register or file.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne un terminal assisté permettant l'envoi de mandats, lequel se caractérise en ce qu'il est construit à partir d'un matériau léger et qu'il comprend une série de dispositifs électroniques conçus pour permettre à l'utilisateur d'effectuer lui-même l'envoi d'un mandat ou de s'enregistrer lui-même en tant que client de la compagnie de transfert d'argent afin de pouvoir réaliser les envois.
PCT/ES2011/070882 2011-12-19 2011-12-19 Terminal pour l'envoi de mandats WO2013093125A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/ES2011/070882 WO2013093125A1 (fr) 2011-12-19 2011-12-19 Terminal pour l'envoi de mandats

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2011/070882 WO2013093125A1 (fr) 2011-12-19 2011-12-19 Terminal pour l'envoi de mandats

Publications (1)

Publication Number Publication Date
WO2013093125A1 true WO2013093125A1 (fr) 2013-06-27

Family

ID=48667778

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2011/070882 WO2013093125A1 (fr) 2011-12-19 2011-12-19 Terminal pour l'envoi de mandats

Country Status (1)

Country Link
WO (1) WO2013093125A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040254954A1 (en) * 2001-05-21 2004-12-16 Jean-Marie Gatto Trusted transactional internet kiosk
US20050240526A1 (en) * 2004-04-26 2005-10-27 Paycenters, Llc Automated financial service system
US20070168283A1 (en) * 2003-10-17 2007-07-19 Nexxo Financial Corporation Self-service money remittance with an access card
US20070210148A1 (en) * 2006-03-09 2007-09-13 Robert Cucinotta Remote validation system useful for financial transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040254954A1 (en) * 2001-05-21 2004-12-16 Jean-Marie Gatto Trusted transactional internet kiosk
US20070168283A1 (en) * 2003-10-17 2007-07-19 Nexxo Financial Corporation Self-service money remittance with an access card
US20050240526A1 (en) * 2004-04-26 2005-10-27 Paycenters, Llc Automated financial service system
US20070210148A1 (en) * 2006-03-09 2007-09-13 Robert Cucinotta Remote validation system useful for financial transactions

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