WO2014182188A1 - Method for obtaining cash and loans - Google Patents
Method for obtaining cash and loans Download PDFInfo
- Publication number
- WO2014182188A1 WO2014182188A1 PCT/RU2013/000379 RU2013000379W WO2014182188A1 WO 2014182188 A1 WO2014182188 A1 WO 2014182188A1 RU 2013000379 W RU2013000379 W RU 2013000379W WO 2014182188 A1 WO2014182188 A1 WO 2014182188A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- client
- cash
- code
- individual code
- loan
- Prior art date
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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the invention relates to the field of financial informatics, and more
- the present invention may find application in the creation and
- microloans using payment instruments alternative to plastic cards, in particular using a print medium, for example, a postcard or a card.
- the prototype of this system is a standard ATM.
- an electronic-mechanical device designed for the issuance and reception of funds, which has constant communication with the processing center of the bank and performs all financial transactions with the client’s card account online.
- Any ATM consists of two parts: the upper (engineering) and the lower (safe).
- the engineering part there is a computer with an operating system installed on it and application software that controls the operation of the ATM.
- application software In the same part is a card reader
- a device for reading information from a card 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
- the safe part of the ATM consists directly of the safe itself, the combination lock (they can be mechanical and electronic), the 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.
- special vacuum suction cups are used to extract the bill from the cassette, while Wincor Nixdorf and Diebold ATMs use rubber rollers with a special tread pattern for this purpose.
- 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.
- 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 issue of money is faulty, the ATM stops working and issues a corresponding error message.
- the basis of the present invention is the creation of a method of obtaining cash and issuing loans to a client that would allow receiving cash without a plastic card, would not require the issuance of a card by a financial and credit institution and would increase the security of receiving cash.
- a financial and credit organization which intends to give cash to a client or a loan, generates and stores in the data warehouse an individual code associated with the client and the requested loan amount, then sends the specified individual code to the client on a print medium in the form of mail which the client presents or enters into the device
- the proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows not to use
- plastic card when issuing cash and use other payment instruments, in addition to plastic cards, namely, an individual customer code printed on a printed medium, as well as to increase the security of cash withdrawals by generating an individual code.
- the individual code it is advisable to send the individual code to the client in the form of a two-dimensional code symbol or a bar code on a print medium. Moreover, the content of the individual code may not be known to the client.
- FIG. 1 a system for issuing cash, shown in figure 1, containing a financial institution 1, wishing to give the client cash or credit, a data warehouse with an individual code 2 associated with the client and requested loan amount, point or place of delivery of mail (postal or post office box, post office) 3 clients 4, image 5 of an individual code 2 on a printed medium, self-service device or paragraph 6 of the loan, the block comparison made or entered personal code 7, dispensing device 8 Cash 9, a mark on the issue of the amount requested in the data store 10.
- the system works as follows - a financial and credit organization 1, which intends to give out cash to a client 4 or a loan generates and stores an individual code 2 in the data warehouse,
- the individual code is compared with the code 2 developed and stored in the data warehouse, and if they match, client 4 receives cash 9, and a note is made in the data warehouse on the issue of the requested amount 10.
- Mark 10 serves to make it impossible to receive cash using the same individual code.
- Block 7 can be made in the form of a manual comparison by the operator
- point 6, and block 8 of the issuance of money can be a manual cash register, from where cash is issued by the operator or cashier manually.
- Image 5 can be in the form of a two-dimensional code or a barcode, and also be protected with a cryptographic algorithm, for example, encrypted with a key known only to a financial institution and decrypted before verification in block 7
- the proposed method and the system that implements it, described above, solve the objectives of the invention formulated above, are characterized by fundamental novelty and allow you to receive cash without a plastic card, do not require issuing a card by a financial and credit institution and increase the security of receiving cash.
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2013/000379 WO2014182188A1 (en) | 2013-05-06 | 2013-05-06 | Method for obtaining cash and loans |
RU2014140927A RU2014140927A (en) | 2013-05-06 | 2013-05-06 | METHOD FOR RECEIVING CASH AND CASH LOANS |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2013/000379 WO2014182188A1 (en) | 2013-05-06 | 2013-05-06 | Method for obtaining cash and loans |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2014182188A1 true WO2014182188A1 (en) | 2014-11-13 |
Family
ID=51867549
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/RU2013/000379 WO2014182188A1 (en) | 2013-05-06 | 2013-05-06 | Method for obtaining cash and loans |
Country Status (2)
Country | Link |
---|---|
RU (1) | RU2014140927A (en) |
WO (1) | WO2014182188A1 (en) |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
RU2258959C2 (en) * | 2001-03-19 | 2005-08-20 | Дайболд, Инкорпорейтед | System and method for processing data using atms |
US20070112673A1 (en) * | 2003-06-23 | 2007-05-17 | Piero Protti | Method for autorising mandates of payment by credit cards and related apparatuses |
-
2013
- 2013-05-06 WO PCT/RU2013/000379 patent/WO2014182188A1/en active Application Filing
- 2013-05-06 RU RU2014140927A patent/RU2014140927A/en not_active Application Discontinuation
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
RU2258959C2 (en) * | 2001-03-19 | 2005-08-20 | Дайболд, Инкорпорейтед | System and method for processing data using atms |
US20070112673A1 (en) * | 2003-06-23 | 2007-05-17 | Piero Protti | Method for autorising mandates of payment by credit cards and related apparatuses |
Non-Patent Citations (2)
Title |
---|
"Bank Tinkoff-oformlenie kreditnykh kart onlain", 10 May 2012 (2012-05-10), pages 1 - 2, Retrieved from the Internet <URL:https://web.archive.org/web/20120510210457/http://biznec-info.ru/bank-tinkoff-kreditnie-karti-online.php> [retrieved on 20140213] * |
"Poriadok formirovania i primenenia dvukhmernogo shtrikh-koda v formakh nalogovykh deklaratsii i inykh dokumentov, sluzhashchikh osnovaniem dlia ischisleniia i uplaty nalogov (sborov", 2004, pages 2 , 4 - 5, Retrieved from the Internet <URL:http://www.gnivc.ru/html/doc/poryadok2.doc> [retrieved on 20140213] * |
Also Published As
Publication number | Publication date |
---|---|
RU2014140927A (en) | 2016-04-27 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US7028888B2 (en) | Automated banking machine currency tracking system | |
US8474708B2 (en) | Automated banking machine controlled responsive to data bearing records with currency tracking | |
US6749111B2 (en) | Automated banking machine | |
JP4528067B2 (en) | Bill handling device, bill management system, bill management method, and paper sheet handling device | |
US7584883B2 (en) | Check cashing automated banking machine | |
US6783061B2 (en) | Storing information concerning suspect currency notes received in an ATM | |
US7513417B2 (en) | Automated banking machine | |
US20070102863A1 (en) | Automated banking machine | |
CA2465116C (en) | Automated banking machine currency tracking system and method | |
WO2014024613A1 (en) | Currency processing machine, currency processing system, and currency processing method | |
EP3385922B1 (en) | Money handling machine and money handling method | |
US9633343B2 (en) | Stacking purge-bin | |
US7980460B1 (en) | Check accepting and cash dispensing automated banking machine system and method | |
WO2014182188A1 (en) | Method for obtaining cash and loans | |
WO2014175760A1 (en) | Method for obtaining cash and issuing loans with the aid of a user's mobile device | |
WO2014189402A1 (en) | Cash transactions with the aid of a mobile device | |
JP7336394B2 (en) | Money handling system and money handling method | |
WO2014193258A1 (en) | Method for carrying out financial transactions with the aid of a mobile device | |
KR20070063706A (en) | Atm of abnormal mode using approval code and method for operating the same | |
JP2015005235A (en) | Automatic transaction processor | |
JP2022092070A (en) | Code output device and medium processing device | |
WO2015069132A1 (en) | Device for dispensing and receiving cash and method for using same | |
ZA200402990B (en) | Automated banking machine currency tracking system and method | |
KR20150094077A (en) | Safe having on-line banking function and Operating method thereof | |
JPS59221768A (en) | User confirming system |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
ENP | Entry into the national phase |
Ref document number: 2014140927 Country of ref document: RU Kind code of ref document: A |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 13884017 Country of ref document: EP Kind code of ref document: A1 |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
32PN | Ep: public notification in the ep bulletin as address of the adressee cannot be established |
Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 15.03.2016) |
|
122 | Ep: pct application non-entry in european phase |
Ref document number: 13884017 Country of ref document: EP Kind code of ref document: A1 |