WO2014189402A1 - Opérations avec espèces à l'aide d'un dispositif mobile - Google Patents

Opérations avec espèces à l'aide d'un dispositif mobile Download PDF

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Publication number
WO2014189402A1
WO2014189402A1 PCT/RU2013/000416 RU2013000416W WO2014189402A1 WO 2014189402 A1 WO2014189402 A1 WO 2014189402A1 RU 2013000416 W RU2013000416 W RU 2013000416W WO 2014189402 A1 WO2014189402 A1 WO 2014189402A1
Authority
WO
WIPO (PCT)
Prior art keywords
client
cash
mobile device
individual code
atm
Prior art date
Application number
PCT/RU2013/000416
Other languages
English (en)
Russian (ru)
Inventor
Андрей Юрьевич ЩЕРБАКОВ
Олег Олегович ТИХОНЕНКО
Original Assignee
Sherbakov Andrei Yuryevich
Tikhonenko Oleg Olegovich
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 Sherbakov Andrei Yuryevich, Tikhonenko Oleg Olegovich filed Critical Sherbakov Andrei Yuryevich
Priority to PCT/RU2013/000416 priority Critical patent/WO2014189402A1/fr
Priority to RU2014142262A priority patent/RU2014142262A/ru
Publication of WO2014189402A1 publication Critical patent/WO2014189402A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete 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
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

Definitions

  • the invention relates to the field of financial informatics, and more specifically to a method of cash transactions using a mobile device.
  • the present invention may find application in the creation and
  • microloans using payment instruments alternative to plastic cards, the most convenient of which is a mobile phone.
  • the prototype of this system is a standard ATM.
  • 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
  • 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.
  • 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 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 about the denomination and currency of the banknote is stored in a special flash card on the cartridge itself and is recorded there when using the cartridge for the first time at an ATM.
  • 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 basis of the present invention is the creation of a method of obtaining cash and issuing loans using
  • a client s mobile device that would allow receiving cash without a plastic card.
  • a financial institution proposing to issue cash to a client or a loan generates and
  • the client stores in the data warehouse an individual code associated with the client and the loan amount requested by him, then sends the specified individual code to the client on the mobile device, which the client presents in the self-service device, which is a standard terminal, ATM or other self-service device, characterized in that a video input device has been supplemented to a standard terminal, ATM or other self-service device and the client displays the received individual code on Wed means of displaying his mobile device and presents an individual code to the video input device, after which the presented code is recognized and / or decoded and compared with that stored in the data store and if it matches, the client receives cash, and a note is made in the data store about the issue of the requested amount.
  • the self-service device which is a standard terminal, ATM or other self-service device, characterized in that a video input device has been supplemented to a standard terminal, ATM or other self-service device and the client displays the received individual code on Wed means of displaying his mobile device and presents an individual code to the video input device, after which the
  • 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, except for plastic cards, namely mobile
  • client device mobile phone, tablet
  • client device mobile phone, tablet
  • the present invention will be disclosed in the following description of 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, customer’s mobile device 3, image 4 of individual code 2 in mobile device 3 (for example, in the form of a graphic image, sms, mms or email message), a modified device in self-service, which is a standard terminal, ATM or other self-service device, characterized in that the video input input device (block 6), the comparison unit for the presented or entered individual code 7, the cash dispenser 8 is supplemented with the standard terminal, ATM or other self-service device money 9, notes on the issue of the requested amount in the data warehouse 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,
  • a self-service device 6 which is a standard terminal, ATM or other self-service device, supplemented by a video input device and client 4 displays the received individual code to the display means 5 of his mobile device 3 and presents an individual code to the video input device of block 6, after which the presented code is recognized and / or decoded and compared in block 7 with that stored in ranilische data source 2 and with his concurrence customer receives cash 9 through the device 8, and a data store make a mark 10 on the issue of the amount requested.
  • Mark 10 serves to make it impossible to receive cash using the same individual code.
  • the identity of the client 4 is checked by correlating the image of his face made
  • the video input device of block 6 with a photograph in a certification document previously provided by the client to the financial and credit organization 1.
  • the individual code can be sent to the mobile device 3 of the client 4 and / or reproduced on it (in block 5) as a symbol of a two-dimensional code.
  • 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 not to use a plastic card when issuing cash and use other payment instruments, except for plastic cards, namely, a client’s mobile device (mobile phone, tablet), as well as increase the security of cash withdrawals by creating an individual code.

Abstract

L'invention se rapporte au domaine de l'informatique bancaire et concerne plus précisément un procédé pour des opérations en espèces à l'aide d'un dispositif mobile. L'invention peut être utilisée dans la création et l'exploitation de systèmes assurant la distribution d'espèces, y compris sans utiliser de cartes plastiques standard. Le procédé permettant de résoudre la tâche susmentionnée se caractérise par sa nouveauté et permet de ne pas utiliser de cartes plastiques lors de la distribution d'espèces et d'utiliser d'autres moyens de paiement différents des cartes plastiques, notamment un dispositif mobile de client (téléphone mobile, tablette), et d'augmenter la sécurité lors de la distribution d'espèces grâce à la génération d'un code individuel.
PCT/RU2013/000416 2013-05-21 2013-05-21 Opérations avec espèces à l'aide d'un dispositif mobile WO2014189402A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/RU2013/000416 WO2014189402A1 (fr) 2013-05-21 2013-05-21 Opérations avec espèces à l'aide d'un dispositif mobile
RU2014142262A RU2014142262A (ru) 2013-05-21 2013-05-21 Способ операций с наличными денежными средствами при помощи мобильного устройства

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/000416 WO2014189402A1 (fr) 2013-05-21 2013-05-21 Opérations avec espèces à l'aide d'un dispositif mobile

Publications (1)

Publication Number Publication Date
WO2014189402A1 true WO2014189402A1 (fr) 2014-11-27

Family

ID=51933842

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2013/000416 WO2014189402A1 (fr) 2013-05-21 2013-05-21 Opérations avec espèces à l'aide d'un dispositif mobile

Country Status (2)

Country Link
RU (1) RU2014142262A (fr)
WO (1) WO2014189402A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2117328C1 (ru) * 1998-02-12 1998-08-10 Акционерное общество закрытого типа "Степ Ап" Способ дистанционного финансового обслуживания клиента банка "телебанк"
RU2258959C2 (ru) * 2001-03-19 2005-08-20 Дайболд, Инкорпорейтед Система и способ обработки данных посредством банкоматов
US20070112673A1 (en) * 2003-06-23 2007-05-17 Piero Protti Method for autorising mandates of payment by credit cards and related apparatuses

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2117328C1 (ru) * 1998-02-12 1998-08-10 Акционерное общество закрытого типа "Степ Ап" Способ дистанционного финансового обслуживания клиента банка "телебанк"
RU2258959C2 (ru) * 2001-03-19 2005-08-20 Дайболд, Инкорпорейтед Система и способ обработки данных посредством банкоматов
US20070112673A1 (en) * 2003-06-23 2007-05-17 Piero Protti Method for autorising mandates of payment by credit cards and related apparatuses

Also Published As

Publication number Publication date
RU2014142262A (ru) 2016-05-10

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