WO2014193258A1 - Procédé pour mener des opérations financières à l'aide d'un dispositif mobile - Google Patents

Procédé pour mener des opérations financières à l'aide d'un dispositif mobile Download PDF

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Publication number
WO2014193258A1
WO2014193258A1 PCT/RU2013/000432 RU2013000432W WO2014193258A1 WO 2014193258 A1 WO2014193258 A1 WO 2014193258A1 RU 2013000432 W RU2013000432 W RU 2013000432W WO 2014193258 A1 WO2014193258 A1 WO 2014193258A1
Authority
WO
WIPO (PCT)
Prior art keywords
client
mobile device
financial
cash
individual code
Prior art date
Application number
PCT/RU2013/000432
Other languages
English (en)
Russian (ru)
Inventor
Андрей Юрьевич ЩЕРБАКОВ
Олег Олегович ТИХОНЕНКО
Original Assignee
Scherbakov 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 Scherbakov Andrei Yuryevich, Tikhonenko Oleg Olegovich filed Critical Scherbakov Andrei Yuryevich
Priority to RU2014142260A priority Critical patent/RU2014142260A/ru
Priority to PCT/RU2013/000432 priority patent/WO2014193258A1/fr
Publication of WO2014193258A1 publication Critical patent/WO2014193258A1/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
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention relates to the field of financial informatics, and more specifically to a method for performing financial transactions using a client’s 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 or other mobile device owned by the client.
  • 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 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.
  • 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. In case the bill got stuck in the transport path, or any device involved in issue of money, 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 using
  • a client s mobile device that would allow receiving cash without a plastic card.
  • a financial and credit organization which intends to issue cash or credit to a client, or to execute
  • the financial transaction requested by the client generates and stores in the data warehouse an individual code associated with the client and the requested loan amount and / or financial transaction, and then sends the specified individual code to the client on the mobile device, which the client
  • the self-service device which is a standard terminal, an ATM or other self-service device, characterized in that the input terminal via the wireless interfaces is supplemented to the standard terminal and the client displays the received individual code via the wireless interface of his mobile device and presents the individual code to the information input device by
  • the client receives cash and / or the financial transaction requested by the client is performed, and a mark is issued in the data warehouse
  • a mobile device is a mobile phone, smartphone,
  • 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
  • FIG. 1 containing a financial credit institution 1, wishing to give the client 4 cash or credit, or to perform the financial transaction requested by the client, a data warehouse with an individual code 2, associated with the client and the loan amount or financial amount requested by him operation, mobile device 3 of client 4, image 5 of an individual code 2 in mobile device 3 (for example, in the form of sms or mail), a modified self-service device, which is a standard terminal, ATM or other self-service device, characterized in that to the standard terminal, ATM or other self-service device, a device for inputting information via wireless interfaces is supplemented (block 6), comparison unit
  • the system works as follows - a financial and credit organization 1, which intends to issue cash or credit to a client 4, or to execute a financial transaction requested by a client, generates and stores individual code 2 in the data warehouse associated with the client and the loan amount and / or financial transaction requested by him and then sends the specified individual code 5 to the client on the mobile device 3, which the client presents in the self-service device 6, which
  • the device for inputting information via wireless interfaces is supplemented to the standard terminal and the client displays the received individual code via the wireless interface of his
  • the mobile device and presents an individual code to the information input device via wireless interfaces, after which the presented code is decoded and compared in block 7 with that stored in the data store and when it matches, the client receives cash and / or the financial operation requested by the client is performed, and in the data store mark 10 on the issue of the requested amount or on the performance of a financial transaction.
  • Mark 10 serves to ensure that it would not be possible to receive cash using the same individual code or to re-execute a financial transaction.
  • the identity of the client 4 is checked by correlating the image of his face made
  • a video input device of a mobile device with a client image previously provided by the client to a financial and credit institution 1.
  • the individual code and other information from the user's mobile device is transmitted via the wireless interface of the client’s mobile device in a form protected by cryptographic conversion, for example, GOST 28147-89 or P34.10-P34.1 1.
  • the proposed method and the system that implements it, described above, solve the objectives of the invention formulated above, is characterized by a fundamental novelty and allows not to use a plastic card when issuing cash and to use other payment tools, except for plastic cards, namely, a client’s mobile device (mobile phone, tablet), as well as improving the security of cash withdrawals and financial transactions through the formation and comparison

Abstract

L'invention se rapporte au domaine de l'informatique bancaire et concerne plus précisément un procédé pour effectuer des opérations financières à l'aide d'un dispositif mobile de client. L'invention peut être utilisée lors de la création et de l'exploitation de systèmes assurant la distribution d'espèces et la réalisation d'opérations financières à l'aide de moyens financiers immatériels, y compris sans utiliser de cartes plastiques standard. Le procédé se caractérise par sa nouveauté principal et permet de ne pas utiliser de carte plastique lors de la distribution d'espèces et d'utiliser d'autres instruments de paiement que les cartes plastiques, notamment un dispositif mobile de client (téléphone mobile, tablette), ainsi que d'augmenter la sécurité de distribution d'espèces et de réalisation d'opérations financières grâce à la génération et la comparaison d'un code individuel.
PCT/RU2013/000432 2013-05-28 2013-05-28 Procédé pour mener des opérations financières à l'aide d'un dispositif mobile WO2014193258A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
RU2014142260A RU2014142260A (ru) 2013-05-28 2013-05-28 Способ выполнения финансовых операций при помощи мобильного устройства клиента
PCT/RU2013/000432 WO2014193258A1 (fr) 2013-05-28 2013-05-28 Procédé pour mener des opérations financières à l'aide d'un dispositif mobile

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/000432 WO2014193258A1 (fr) 2013-05-28 2013-05-28 Procédé pour mener des opérations financières à l'aide d'un dispositif mobile

Publications (1)

Publication Number Publication Date
WO2014193258A1 true WO2014193258A1 (fr) 2014-12-04

Family

ID=51989164

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2013/000432 WO2014193258A1 (fr) 2013-05-28 2013-05-28 Procédé pour mener des opérations financières à l'aide d'un dispositif mobile

Country Status (2)

Country Link
RU (1) RU2014142260A (fr)
WO (1) WO2014193258A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7946480B2 (en) * 1998-04-17 2011-05-24 Diebold Self-Service Systems, Division Of Diebold, Incorporated Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone
US20120160912A1 (en) * 2010-12-23 2012-06-28 Kevin Laracey Mobile phone atm processing methods and systems
RU126859U1 (ru) * 2012-05-18 2013-04-10 Публичное Акционерное Общество Коммерческий Банк "Приватбанк" Система для осуществления процесса снятия денежных средств в банковских терминалах без использования пластиковой карты посредством платежного поручения
US8430307B2 (en) * 1998-04-17 2013-04-30 Diebold Incorporated Card activated cash dispensing automated banking machine system and method
US20130130778A1 (en) * 2011-01-31 2013-05-23 Wms Gaming, Inc. Mobile payment and credit integration into a wagering game machine

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7946480B2 (en) * 1998-04-17 2011-05-24 Diebold Self-Service Systems, Division Of Diebold, Incorporated Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone
US8430307B2 (en) * 1998-04-17 2013-04-30 Diebold Incorporated Card activated cash dispensing automated banking machine system and method
US20120160912A1 (en) * 2010-12-23 2012-06-28 Kevin Laracey Mobile phone atm processing methods and systems
US20130130778A1 (en) * 2011-01-31 2013-05-23 Wms Gaming, Inc. Mobile payment and credit integration into a wagering game machine
RU126859U1 (ru) * 2012-05-18 2013-04-10 Публичное Акционерное Общество Коммерческий Банк "Приватбанк" Система для осуществления процесса снятия денежных средств в банковских терминалах без использования пластиковой карты посредством платежного поручения

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Publication number Publication date
RU2014142260A (ru) 2016-05-10

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