New! View global litigation for patent families

WO2014092664A1 - Remote access bank branch transaction center and transaction system - Google Patents

Remote access bank branch transaction center and transaction system

Info

Publication number
WO2014092664A1
WO2014092664A1 PCT/TR2013/000381 TR2013000381W WO2014092664A1 WO 2014092664 A1 WO2014092664 A1 WO 2014092664A1 TR 2013000381 W TR2013000381 W TR 2013000381W WO 2014092664 A1 WO2014092664 A1 WO 2014092664A1
Authority
WO
Grant status
Application
Patent type
Prior art keywords
service
transaction
customer
banking
communication
Prior art date
Application number
PCT/TR2013/000381
Other languages
French (fr)
Inventor
Abdurrahman ÇINAR
ALIWAT Mustafa EL
İlker ÜLGER
Suat ÇİLİNGİR
Mücahit GÜNDEBAHAR
Original Assignee
Kuveyt Türk Katilim Bankasi Anonim Şirketi
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

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • G07F19/20Automatic teller machines [ATMs]

Abstract

The invention relates to a remote access bank branch transaction center (10) comprising an automatic self-service machine (11) having a manual service unit (70) where users can execute their own banking transactions. Said transaction center (10) is characterized in comprising a video communication unit (40) that provides video communication over the automatic self-service machine (11) with a customer representative when user asks for video communication for providing the execution of baking transaction by making video contact with customer representative and authorizing the customer representative, and banking channel unit (60) on which a customer representative can execute banking transactions desired by users over the banking channel (50).

Description

DESCRIPTION

REMOTE ACCESS BANK BRANCH TRANSACTION CENTER AND TRANSACTION SYSTEM

TECHNICAL FIELD

The present invention relates to remote access bank branch transaction center and a transaction system for customers to transact at automatic self-service machines wherein they can have video communication with customer representatives in call centers, and authorize the customer representatives for carrying out their banking transactions.

STATE OF ART

Automatic self-service machines (ATM, Kiosk, Cash deposit machines, Teller machines) developed for an alternative distribution channel in banking sector are limited in terms of transaction sets and usability. Banking branches that carry out many of the banking transactions do not mostly provide service at the weekend or at lunch hour. Users experience transaction limitation when they prefer automatic self-service machines for saving time, or they do lose time when they prefer branches. Development in banking sector and increase in transaction sets emerge the need for systems that offer advantages and more of both channels together. Automatic self-service machines do not have suitable hardware and software for elder and disabled users. Users need a system that will provide face to face transaction with banking employee and where they can fulfill their need out of hours of work.

In patent document numbered TR200903668, a high security interactive branch application where it is possible to execute all the transactions that are executed in a branch without going to branches, and all face to face bank employee and customer relations are protected, and a cabin system allowing this are disclosed.

In patent document numbered TR201004447 a system, which allows bank clients to execute banking transactions by a bank transaction authorized person in a remote call center without going to banking branches, and which is designed as a cabin to be used both in branches, and secured external places such as shopping centers, terminal etc. and where all the transactions available in a branch can be executed through video communication, is disclosed. It is described that an authorized person in banking transaction directs the customer in an interactive way for completing all the banking transactions asked by a customer, who is identified by palm reader and similar security systems.

In patent document numbered KR20090080379, a system is disclosed, in which the logged users in ATM can make video calls with bank call center when they need.

In US patent document numbered US5929897, a system is disclosed, in which video call is available between central units (bank) and terminals (ATM), and incoming calls are distributed to banking employees.

BRIEF DESCRIPTION OF THE INVENTION

The present invention relates to a remote access bank branch transaction center and transaction system, which eliminate all the above-mentioned disadvantages and bring new advantages to the related technical field.

The object of the invention is to provide a remote access bank branch transaction center and transaction system, which allow automatic self-service machine users to have video communication with bank call center for solving problems that user may encounter at financial transaction steps, and allow call center customer representative to execute all the banking transactions by being authorized by customers after video communication is set up.

In order to achieve the above-mentioned objects and all the objects to be figured out from the following detailed description, the present invention is a remote access bank branch transaction center comprising an automatic self-service machine having a manual service unit where users can execute their own banking transactions. Said transaction center comprises a video communication unit that provides video communication over automatic self-service machines with customer representative when user asks for video communication, and banking channel on which a customer representative can execute banking transactions desired by users.

The invention is also the remote access bank branch transaction center for customers to transact at automatic self-service machines where they can have video communication with customer representatives in call centers, and authorize the customer representatives for carrying out their banking transactions, and it comprises the following steps: a) Identifying a user who is approaching to automatic self-service machines for a transaction by a proximity sensor, b) Reading the user's card by a card reader for executing transaction with card and identifying the user, c) Offering users a choice for choosing either manual service request or video communication request, d) Starting the communication with customer representative by the user who chooses video communication request over a video communication unit, e) Executing the transactions by customer representative over banking channel unit, f) Storing the user's information by recoding on a database server.

DESCRIPTION OF THE FIGURES

Additional features and advantages of the invention will be revealed by sample embodiment referring to the attached figures.

Figure 1 is the schematic view of the remote access bank branch transaction center. Figure 2 is the network topology of the remote access bank branch transaction center. REFERENCE NUMBERS

10 Remote access bank branch transaction center

11 Automatic self-service machine

12 Camera

13 Telephone with receiver

14 Monitor

15 Card reader

16 Proximity sensor

20 Branch network

30 Local network 40 Video communication unit

41 Load balancer

42 Communication server

50 Customer representative banking channel

60 Banking channel unit

61 Application server

70 Manual service unit

71 Load balancer

72 Application server

80 Database server

VCR: Video Communication Request

MSR: Manual Service Request

U: User

CR: Customer Representative

DETAILED DESCRIPTION OF THE INVENTION

Within this detailed description, the remote access bank branch transaction center (10) and remote access bank branch transaction system (hereinafter referred to as transaction center and transaction system) are disclosed described without any limiting effects for better understanding the subject. Accordingly, it is assumed the transaction center (10) and transaction system are used for providing that users can make video calls with customer representative and authorize them for carrying out banking transactions on automatic self- service machines; yet, they can be used in different remote access systems in different fields with minor revisions.

Figure 1 shows the schematic diagram of the transaction center (10). Accordingly, the transaction center (10) consists mainly of an automatic self-service machine (11), a monitor (14) defined on said automatic self-service machine (11), a camera (12) mounted on the monitor (14), a telephone with receiver (13) placed on the automatic self-service machine (11) at an accessible distance and height, a card reader (15) for swiping bank cards, and a proximity sensor (16) that senses the approach of users to the automatic self-service machine (11).

Said camera (12) provides video communication. When a user is in front of the automatic self-service machine (11), call center customer representative can see said user via the camera. The camera (12) can also be used for obtaining the entrance data for face detection biometric technique by capturing customer's view. It will be possible to determine whether a user is a registered user thanks to the software to be installed to the automatic self-service machine (11) when the user is in front of the automatic self-service machine (11), the camera ( 2) will take a picture of user and obtained picture will be compared to the ones in database. The telephone with receiver (13) on the automatic self-service machine (11) provides the sound signals transfer between user and customer representative. The telephone with receiver (13) is connected to the automatic self-service machine (11), and provides that user's voice reaches to customer representative during video communication. Voice of customer representative also reaches to user via the telephone with receiver (13). Yet, it is possible to hear customer representative's voice from a speaker that can be mounted on the automatic self-service machine (11). Monitor (14) is a screen positioned on the automatic self-service machine (11) and informs the customers. Any type of banking transactions is executed on the monitor (14). In addition to functioning via keyboard, the monitor (14) can also be operated as touchscreen. Customer can identify herself/himself by inserting card to the card reader (15). The card reader (15) is like POS device; wherein user provides transfer of customer information to customer representative by swiping her/his card to the card reader (15). The proximity sensor (16) senses that a user is approaching to the automatic self- service machine (11). When a user approaches to the automatic self-service machine (11), the automatic self-service machine (11) is activated by leaving the sleep mode. In addition, when a user approaches to the automatic self-service machine (11), a welcome text can be displayed on the monitor (14).

With reference to figure 2, when a user comes to the transaction center (10) she/he will establish contact with call center customer representative over the branch network (20). Customers can transfer their information to customer representatives by swiping their own card to the card reader (15). And, customer representatives can see information of the user on their own computers. User is asked, while starting transaction, if she/he wants manual service request (MSR) or video communication request (VCR). When user asks for manual service request, banking transactions are executed over the manual service unit (70) with the load balancer (71) and application servers (72). When the user asks for video communication, customer representative is contacted using the camera (12), telephone with receiver (13) and monitor (14). Communication with customer representative is performed over the video communication unit (40). In the video communication unit (40), for communication between the user and customer representative, a communication server (42) and a load balancer (41) are provided. The banking transactions desired by the users are performed by authorizing customer representatives. Customer representatives execute the transactions over banking channel unit (60). There is an application server (61) on the banking channel unit (60). Customer representatives execute banking transactions of users using the application servers (61, 72) via the banking channel (50). The application server (72) on the manual service unit (70), the application server (61) on the banking channel unit (60) and communication server (42) on the video communication unit (40) are connected to the center via local network (30).

To describe in more details; the manual service transaction requests of user who passes the system authorization verification are executed with the application servers (72) over the manual service request (70). When authorized users ask for video communication request, it is provided that they communicate with a customer representative using communication servers (42) over the video communication unit (40). At this time, manual service request of users is blocked. While a user transfers the banking transactions she/he wishes to execute to a customer representative over the video communication unit (40), said customer representative executes the banking transaction of said user by connecting to the application servers (61) in the banking channel unit (60) via the banking channel (50).

There is a database server (80) where user information is stored. In database server (80), information of all the users who ask for video communication request and/or manual service request is stored.

Claims

1. A remote access bank branch transaction center (10) comprising an automatic self- service machine (11) having a manual service unit (70) where users can execute their own banking transactions characterized in comprising a video communication unit (40) that provides video communication over the automatic self-service machine (11) with a customer representative when user asks for video communication for providing the execution of baking transaction by making video contact with customer representative and authorizing the customer representative, and banking channel unit (60) on which a customer representative can execute banking transactions desired by users over the banking channel (50).
2. Remote access bank branch transaction center (10) according to Claim 1 , characterized in comprising a camera (12) that is defined on the automatic self- service machine (11) and can take a picture of users for providing video communication, telephone with receiver (13) that provides transfer of sound signals between user and customer representative, a card reader (15) that provides the transfer of user information to the system by reading bank cards, and a proximity sensor ( 6) that senses the approach of a user to the automatic self-service machine (11) and makes the automatic self-service machine (11) to leave the sleep mode and activates thereof.
3. Remote access bank branch transaction center (10) according to Claim 1 , characterized in comprising a branch network (20) that provides the contact of automatic self-service machines (11) with the center by comprising the entire automatic self-service machines (11).
4. Remote access bank branch transaction center (10) according to Claim 1 , characterized in comprising a communication server (42) that provides a communication between user and customer representative over the video communication unit (40).
5. Remote access bank branch transaction center (10) according to Claim 1 , characterized in comprising application server (61) that allows execution of banking transactions on the banking channel unit (60).
6. Remote access bank branch transaction center (10) according to any of preceding Claims, characterized in comprising a local network (30) that connects the video communication unit (40), banking channel unit (60) and manual service unit (70) to the center for providing that customer representative can execute central banking transactions.
7. Remote access bank branch transaction center (10) according to any of preceding Claims, characterized in comprising a database server (80) where all user information is stored.
8. A remote access bank branch transaction system for customers to transact at automatic self-service machines (11) where they can have video communication with customer representatives in call centers, and authorize the customer representatives for carrying out their banking transactions, characterized in comprising the following steps: a) Identifying a user who is approaching to automatic self-service machine (11) for a transaction by a proximity sensor (16), b) Reading the user's card by a card reader ( 5) for executing transaction with card and identifying the user, c) Offering users a choice for choosing either manual service request (MSR) or video communication request (VCR), . d) Starting the communication with customer representative by the user who chooses video communication request over a video communication unit (40), e) Executing the transactions by customer representative over banking channel unit (60), f) Storing the user's information by recoding on a database server (80).
9. Remote access bank branch transaction system according to Claim 8, characterized in that said step (d) also comprises the following step;
Executing the banking transactions by the user over the manual service unit (70) when manual service request is chosen.
10. Remote access bank branch transaction system according to Claim 8, characterized in that said step (e) also comprises the following step;
Executing the transactions by customer representative by connecting to application servers (61) via the banking channel (50).
PCT/TR2013/000381 2012-12-13 2013-12-13 Remote access bank branch transaction center and transaction system WO2014092664A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
TR2012/14616 2012-12-13
TR201214616 2012-12-13

Publications (1)

Publication Number Publication Date
WO2014092664A1 true true WO2014092664A1 (en) 2014-06-19

Family

ID=50150763

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2013/000381 WO2014092664A1 (en) 2012-12-13 2013-12-13 Remote access bank branch transaction center and transaction system

Country Status (1)

Country Link
WO (1) WO2014092664A1 (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5929897A (en) * 1995-07-12 1999-07-27 Ncr Corporation Automated distribution of video telephone calls
US20010007332A1 (en) * 1999-02-19 2001-07-12 National City Bank Interactive point access financial and information system
US20090033489A1 (en) * 2007-08-02 2009-02-05 Ncr Corporation Terminal
ES2367379A1 (en) * 2010-04-13 2011-11-03 Caixa De Credit Dels Enginyers-Caja De Credito De Los Ingenieros S.C. De Credito Procedure for hiring remote banking services, and the corresponding public use terminal.
WO2012084020A1 (en) * 2010-12-21 2012-06-28 Turkiye Is Bankasi A.S. A remote banking system and method thereof

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5929897A (en) * 1995-07-12 1999-07-27 Ncr Corporation Automated distribution of video telephone calls
US20010007332A1 (en) * 1999-02-19 2001-07-12 National City Bank Interactive point access financial and information system
US20090033489A1 (en) * 2007-08-02 2009-02-05 Ncr Corporation Terminal
ES2367379A1 (en) * 2010-04-13 2011-11-03 Caixa De Credit Dels Enginyers-Caja De Credito De Los Ingenieros S.C. De Credito Procedure for hiring remote banking services, and the corresponding public use terminal.
WO2012084020A1 (en) * 2010-12-21 2012-06-28 Turkiye Is Bankasi A.S. A remote banking system and method thereof

Similar Documents

Publication Publication Date Title
US5615277A (en) Tokenless security system for authorizing access to a secured computer system
US20020111213A1 (en) Method, apparatus and article for wagering and accessing casino services
US7904718B2 (en) Personal digital key differentiation for secure transactions
US20020191816A1 (en) System and method of selecting consumer profile and account information via biometric identifiers
US20140143137A1 (en) Device pairing via trusted intermediary
US20070175986A1 (en) System and method for nameless biometric authentication and non-repudiation validation
US20020184500A1 (en) System and method for secure entry and authentication of consumer-centric information
US20110055084A1 (en) Techniques for remote controlled physical transactions with dynamic key generation and authentication
US6793134B2 (en) Self-service terminal
US6286756B1 (en) Cardless automated teller transactions
US20040215574A1 (en) Systems and methods for verifying identities in transactions
US6786398B1 (en) Method and apparatus for automatic cashing of a negotiable instrument
US7383988B2 (en) System and method for locking and unlocking a financial account card
US20070130025A1 (en) Electronic settlement system, settlement apparatus, and terminal
US20040024709A1 (en) System and method for determining the identity of a party associated with a transaction
US20080150678A1 (en) Configuration of Interfaces for a Location Detection System and Application
US7523067B1 (en) Electronic settlement system, settlement apparatus, and terminal
US8577810B1 (en) Secure mobile payment authorization
US6597770B2 (en) Method and system for authorization of account-based transactions
US7394346B2 (en) Free-space gesture recognition for transaction security and command processing
US20120084206A1 (en) System and method for secure transactions at a mobile device
US8438066B1 (en) Secure geo-fencing with multi-form authentication
US8494961B1 (en) Image authentication and security system and method
WO1999052060A2 (en) Identification confirmation system
US7980464B1 (en) Bank card fraud protection system

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 13830243

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase in:

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 13830243

Country of ref document: EP

Kind code of ref document: A1