WO2014171851A1

WO2014171851A1 - System for dispensing cash

Info

Publication number: WO2014171851A1
Application number: PCT/RU2013/000335
Authority: WO
Inventors: Андрей Юрьевич ЩЕРБАКОВ; Олег Олегович ТИХОНЕНКО
Original assignee: Sherbakov Andrei Yuryevich; Tikhonenko Oleg Olegovich
Priority date: 2013-04-18
Filing date: 2013-04-18
Publication date: 2014-10-23

Abstract

The invention relates to the field of financial information technology, and more particularly to a system for dispensing cash. The present invention can be used in the creation and operation of systems which affect the dispensing of cash, inter alia, without the use of standard plastic cards and in cases where a high level of security is required. The claimed system for dispensing cash makes it possible for video information to be taken into consideration directly during cash withdrawals, for other payment instruments to be used besides plastic cards, and also for the security of cash withdrawals to be increased through the use of additional information about the customer.

Description

SYSTEM DESIGNED FOR CASH DISTRIBUTION

MONEY

Description

The invention relates to the field of financial informatics, and more specifically to a system for issuing cash.

The present invention may find application in the creation and

operating systems that issue cash, including without the use of standard plastic cards and in cases where a high level of security is required.

There is an urgent need to improve the security of cash withdrawals, including

microloans using alternative payment cards to plastic cards.

The prototype of this system is a standard ATM.

The following link is indicated at http://www.bankworld.ru/kreditnye-karty/bankomaty-kak-eto-rabotaet - ATM or ATM (Automatic Teller Machine) is an electronic-mechanical device designed to issue and receive money, which has permanent communication with the processing center of the bank and performing all financial transactions with the client’s card account online.

Any ATM consists of two parts: the upper (engineering) and the lower (safe). In the engineering part there is a computer with an operating system installed on it and application software that controls the operation of the ATM. In the same part is a card reader

(a device for reading information from a card), a special electronics control unit, a receipt printer, a journal printer, a monitor, and a functional keyboard. Communication equipment (modems, routers) to have access to it in case of failures, without resorting to opening the safe.

The safe part of an ATM consists directly of the safe itself, a combination lock (they can be mechanical and electronic), a dispenser (money dispenser) located inside the safe. Dispensers are distinguished depending on the principle of work with the bill, the mechanism for issuing and the number of cassettes. AT

NCR ATMs use special suction cups to extract notes from the cassette, while Wincor Nixdorf and Diebold ATMs use rubber rollers with a special tread pattern for this purpose. The most common dispensers with four cassettes, however, there are other configurations with the number of cassettes from two to six. Up to three thousand bills are placed in the cassette, and the cassette can be customized for any bill, thanks to the presence of special guides in it, allowing you to adjust their height and width. Information on the denomination and currency of the banknote is stored in a special flash card on the cassette itself and is entered there when using the cassette for the first time at an ATM.

How is the issue of money

Consider the mechanism for issuing money. After the client inserted the card, entered the PIN code and selected the desired operation, a request is sent to the processing center of the bank that issued the card. The status of the card account is checked, and if it is not blocked and there is the required amount there, the ATM is given a command to issue money. Next, the ATM, in accordance with the issuing algorithm, collects the required number of notes in the stacker (storage device), after which the entire amount is issued to the client. It should be noted that on the way of the bill from the cartridge to the client there are a large number of sensors that track the movement of the bill. The main "filter" is the Double Detect sensor, which checks the following parameters: skew, the presence of sticky notes, curved edges, thickness. If the bill does not pass the selection, it falls into a special divert-cassette, which is the repository of rejected bills. If the bill got stuck in the transport path, or any device involved in the withdrawal of money is faulty, the ATM stops working and issues a corresponding error message. Security questions

Security is a key word in the operation of an ATM, and comprehensive protection is provided for its provision. This primarily relates to the safe. Safes weigh from five hundred kilograms to one and a half tons, and are attached to the floor with anchor bolts, which makes it extremely difficult to transport them without access to the safe part. Also in the safe temperature sensors are provided in case of a hacking attempt using an autogen, and sensors that respond to vibration. All street ATMs and part of the internal, as a rule, are equipped with centralized security. At all ATMs, video surveillance is installed, and

some banks go to the trick by installing one false, clearly visible camera, as well as a second, inconspicuous, which is taking pictures.

As can be seen from this article, the installation of the camera is used, but the information obtained with the camera is not used directly to increase the security of cash withdrawals.

This is confirmed by the following article at http: //www.piter-card.ru/intsystem.html.

Intelligent ATM Security System

Modern experts have developed a modified ATM security system that can reduce the risk of fraud and protect cardholders from attempted attacks.

The modern intelligent security system consists of the following software parts:

a video recorder (video storage device, video signal splitter), which can be installed as a board built into the ATM, or can be located separately in the premises of the ATM service area;

video cameras (portrait and camera and camera recording the actions of the client with an ATM);

Intelligent motion sensors (in case of any alarm situation they signal to start video recording);

software.

A video alarm system is the main component of an intelligent alarm system. Its functions include: recording video information in a video archive,

s the provision of video information to the operator and interaction with the SCEC. In a video storage device, recording can be carried out simultaneously from several cameras. Recording is done in digital form either on the hard disk or directly to the server.

Information is stored for as long as required by the bank. Next is a cyclic recording (that is, the previous one is erased, a new one is written on top). Camcorders are hidden and open. There is an interesting trend: if earlier most of the cameras had impressive dimensions for intimidating criminals (open street-type cameras), now more and more often preference is given to hidden cameras providing recording

images when a person does not assume that they are being watched.

Intelligent motion sensor responds to all types of alarm events, which are described in advance using the built-in language

scripting. The sensor also automatically analyzes the state of the security equipment installed inside the ATM - seismic sensors, pressure sensors, magnetic contacts, gas analyzers. With any detected attempts to obstruct the operation of video surveillance

Intelligent motion sensor alerts the operator. The software is designed to configure the parameters of the video storage device and for its further autonomous functioning and viewing the recording.

One of the most important functions of an LVOS is the interaction with the SCWC. Moreover, communication can be carried out as the transmission of "alarm messages" to the control computer of the ATM, as well as receiving requests from it to the video archive. One of the clear advantages of intelligent security systems can be noted here - the use of standard communication channels for transmission

information. A regular channel is a channel through which an ATM communicates with a processing center, a channel through which all financial information goes, that is, without being an ATM specialist, no one will risk entering this traffic. Among the other clear benefits of smart systems

security can be noted the following:

- the ability to overlay any transaction on the video sequence, i.e. evidence base when the video image is combined with a transaction; - significantly reduced claim work; no need to go to the ATM, look for the necessary personnel, and the operator just needs to find out all the information about the necessary transaction upon request. For example, according to the card number, the operator can generate a request and send it to one of the ATMs in the network, i.e. automatic preparation of reports for any of the clients;

- the presence of alarm sensors of the ATM allows you to have an echo of the video system when an alarm is triggered. The built-in alarm system is capable of transmitting up to 255 different commands (malfunction, opening cabinets, triggering of sensors), which are received by the console part of the program. When the ATM is disconnected or the power supply network is cut off, the system continues to work and informs the operator about this;

- instant reaction to events. When sensors are triggered, the operator immediately receives photos from the scene and he sees everything that happens around the ATM;

- the ability of the operator to see all the system malfunctions at once of an entire ATM network, without leaving the spot;

- maintaining a centralized video archive;

The security of ATM networks is not an exact science, where there is an answer to the question of the most effective methods of protection, because it is impossible to create an absolutely reliable security system. The future of systems

ATM security for intelligent technology. After all

intelligent systems are economical, reliable and the only security systems that take into account all modern requirements of banks, and therefore their customers, bank card holders.

However, the considered systems currently in use have the following significant disadvantages:

1. If the cash dispenser is equipped with a video input device, then the use of this device is not connected with the dispensing of cash, but only with the subsequent investigation of malicious acts.

2. It is impossible to use other payment instruments (means of receiving funds), except for plastic cards. The basis of the present invention is the creation of a system designed for the issuance of cash, which would allow to take into account the video information directly when issuing cash and use other payment instruments, except plastic cards.

The objectives of the invention are solved and the disadvantages of the prototype are eliminated in

the proposed system for the issuance of cash.

A system designed to issue cash to a client consists of a standard terminal, or an ATM, or other self-service device that issues cash to the client,

characterized in that a video input device and / or an information input device via wireless interfaces are supplemented with a standard terminal, ATM or other self-service device, while the information entered by the client through the video input device and / or wireless interface can be processed directly in the terminal, ATM or another self-service device or transferred to the service center of this device, and according to the results of processing the entered information to the client in the terminal, b Nkomati or other device

self service cash may be issued.

It is technically feasible that through the video input device, it is entered, including, but not limited to, an image of a person’s face, one-dimensional and / or two-dimensional codes reproduced on printed media or screens of electronic devices, originals and copies of identification documents, which allows obtaining additional information about the client receiving cash.

It is no less technically feasible to enter information from a client’s electronic device via a wireless interface, including but not limited to mobile devices, tablets, phones, electronic keys.

The proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows you to take into account

video information directly when issuing cash and use other payment instruments, except plastic cards, as well as increase the security of cash withdrawals using additional information about the client.

The present invention will be disclosed in the following description of a system for dispensing cash, shown in figure 1, using both input methods - both video information and information on wireless interfaces, containing unit 1 - a standard terminal, or an ATM or other self-service device issuing cash 8 to customer 4 through cash withdrawal unit 7, while to the standard terminal, ATM or other self-service device (block 1), the input device is supplemented with de-information (block 2) and / or information input device via wireless interfaces (block 3), while the information entered by the client through the video input device (block 2) and / or wireless interface (block 3) information can be processed directly in the terminal, ATM another self-service device (block 1) or transferred to the service center of this device (block 9), and according to the results of processing the entered information to the client in the terminal, ATM or other self-service device, cash can be issued through block 7 e money 8. In this case, the client 4 has a device, for example, a mobile phone equipped with a screen 5 and a wireless interface 6, in particular Wi-Fi and / or Bluetooth.

The system works as follows - client 4 has a device, for example, a mobile phone equipped with a screen 5 and a wireless

interface 6, in particular Wi-Fi or Bluetooth. If you want to receive cash 8 in device 1 - a standard terminal, or an ATM or other self-service device that issues cash 8 to client 4 through cash withdrawal unit 7. At the same time, the device is supplemented to the standard terminal, ATM or other self-service device (block 1) input video information (block 2) and a device for inputting information via wireless interfaces (block 3).

Through the video input device 2, an image of a person’s face (client 4) is entered, one-dimensional and / or two-dimensional codes received from the bank that provided money to client 4 in the form of mms or image by e-mail, which allows you to get additional information about the client receiving cash.

Via wireless interface 3, information is input from block 6

the wireless interface of the client’s mobile phone 4, which also allows you to get additional information about the client receiving cash, in particular, enter into the device 1 information previously transmitted by the bank to the client’s mobile phone 4 by sms or mms, or by e-mail.

At the same time, the information entered by the client through the video input device (block 2) and / or the wireless interface (block 3) can be processed directly at the terminal, ATM or other self-service device (block 1) or transmitted to the service center of this device (block 9), and according to the results of processing the entered information, the client can be issued cash 8 in the terminal, ATM or other self-service device through block 7.

This system, designed to issue cash, allows you to take into account video information directly when issuing cash and use other payment tools, except plastic cards, as well as improve the security of cash withdrawals using additional information about the client.

Claims

CLAIM

1. A system designed to issue cash to a client, consisting of a standard terminal, or an ATM or other self-service device that issues cash to a client, characterized in that a video input device and / or is supplemented with a standard terminal, ATM or other self-service device information input device via wireless interfaces, while the information entered by the client through the video input device and / or wireless interface may be It is operated directly in the terminal, ATM or other self-service device or transferred to the service center of this device, and according to the results of processing the entered information to the client in the terminal, ATM or other device

self service cash may be issued.

2. The system according to claim 1, characterized in that through the input device

video information is introduced, including, but not limited to, the image of a person’s face, one-dimensional and / or two-dimensional codes reproduced on printed media or screens of electronic devices, originals and copies

certification documents.

3. The system according to claim 1, characterized in that through a wireless interface enter information from the electronic device of the client, including, but not limited to mobile devices, tablets, phones, electronic keys.