WO2015169803A1 - Procédé de paiement en numéraire auprès d'un centre de paiement automatique - Google Patents

Procédé de paiement en numéraire auprès d'un centre de paiement automatique Download PDF

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Publication number
WO2015169803A1
WO2015169803A1 PCT/EP2015/059860 EP2015059860W WO2015169803A1 WO 2015169803 A1 WO2015169803 A1 WO 2015169803A1 EP 2015059860 W EP2015059860 W EP 2015059860W WO 2015169803 A1 WO2015169803 A1 WO 2015169803A1
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WO
WIPO (PCT)
Prior art keywords
user
payout
office
transaction
center
Prior art date
Application number
PCT/EP2015/059860
Other languages
German (de)
English (en)
Inventor
Carsten Puschmann
Thomas Heidelbach
Original Assignee
Q.One Ecommerce Gmbh
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 Q.One Ecommerce Gmbh filed Critical Q.One Ecommerce Gmbh
Publication of WO2015169803A1 publication Critical patent/WO2015169803A1/fr

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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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]

Definitions

  • the invention relates to a method for payment of money at an automatic payout point.
  • the problem with the method for withdrawing cash with the bank card is that always the bank card is required to raise money. If the bank customer forgot or lost the bank card, the bank customer can not withdraw money from the ATM. Furthermore, the bank customer has to enter his multi-digit PIN and the withdrawal amount on the control panel of the ATM for withdrawing money. Since ATMs are used by a large number of people every day, the respective panels typically have a variety of bacteria. The risk that a bank customer of a bank computer will become infected with a disease is therefore great.
  • control panel and the card receiver of ATMs are often manipulated to spy out the account data and the PIN, whereby the withdrawing cash with a card at an ATM is uncertain.
  • a method for payment of money at an automatic payout point comprising the following steps:
  • Activation of the clearing office at a point of payment by the user the point of payment being connected to the server system of the clearing office in terms of communication technology; Registering the user at the clearing office by entering the user identification and the user verification and transmitting the user identification and the user verification to the server system of the clearing office;
  • the user through the point of payment by entering the user verification and user identification and by submitting the input to the billing account different from the billing office logs and thus identified by the clearinghouse.
  • the billing account office Only after the identification of the user by the clearing office and the input and transmission of the payout amount to the clearing office, the billing account office is requested.
  • the billing account office checks the payout amount and transmits the release of the payout amount to the clearing house and to the payout office.
  • the release of the disbursement In each case, the amount can be paid directly to the clearing office and to the payoff office or via the clearinghouse to the payout office or via the payoff office to the clearinghouse. Due to the fact that the user identification takes place via the billing center that is different from the billing account office and the user provides information on the user identification when registering at the billing center, the user has the option of choosing the user identification himself.
  • a preferred embodiment of the invention provides that an identifier of the payout point is transmitted to the clearinghouse.
  • the identifier is an identification number, via which the payout point can be uniquely identified.
  • the identification number may have information about the location of the payout point, preferably the location-specific information is GPS based data, so that the payout point can be located.
  • the identification of the payout office is transmitted to the clearing office upon activation of the clearing office via the payout office.
  • the input of the user identification and the user verification can be entered for registration at the clearing office via a control panel at the payout office.
  • a preferred development of the invention provides that the communication means specified in the clearing office is connected to the payment office on the means of communication, an app of the clearing office is opened via the app of the clearing office, the input of the user identification and the user verification of the disbursement is requested, the entry of the user identification and the user verification via the open on the communication means app of the accounting office and is transmitted to the server system of the accounting office.
  • the transmission of the input can take place both via a direct connection of the communication device with the clearing office as well as the payout point to the clearinghouse.
  • the user logs on the input of user identification and user verification on the associated with the payout Communication means at the clearinghouse.
  • the payment point identification number transmitted to the clearing office it can be registered in this way that the registered or identified user stands in front of the payment office identified via the identification number.
  • a communication means is preferably understood to mean a mobile telephone.
  • the communication means is particularly preferably an internet-capable communication medium, preferably the communication means is a tablet PC or a smartphone.
  • a preferred embodiment of the invention provides that the communication means is connected via a wireless communication link with the payout point.
  • the wireless connection is preferably a near-field communication connection, a Bluetooth connection, BLE beacon or iBeacon, a WLAN connection, an RFID connection or a telecommunication connection.
  • the wireless communication link between the communication means and the payout agency is a bidirectional connection, in which data are placed both by the communication means in the direction of payment and by the payout agency in the direction Communication means are transmitted.
  • security-relevant data such as a PIN (personal identification number) is transmitted via the near-field communication connection.
  • the means of communication and / or the point of sale has technical means for carrying out the abovementioned near-field communication.
  • a location check of the communication means is performed and the determined location data are compared with the position of the payout.
  • the location data of the communication device is checked via a plurality of preferably independent means, such as the position determination by means of GPS data and the position determination by determining the mobile radio cell (s) used and / or by Wifi. Information (such as W-LAN network IDs).
  • the thus determined position data of the communication means may preferably be transmitted to the payout agency by means of a near field communication connection and there adjusted with position deposited in the payout position information. In this way, for example, it can be ensured that the means of communication is actually in communication range of the payout point. Accordingly, it may be provided according to the invention that the communication means and / or the payout agency has technical means for carrying out the abovementioned communication as well as for determining the position.
  • a further preferred development of the invention lies in the fact that the input of the user identification and / or the user verification and / or the payout amount takes place in the communication means and after the input the communication means via the wireless communication link is connected to the payout point and the input is transmitted via the payout point to the clearing house. In this way, the transaction process can be accelerated since the input of the user identification, the user verification and the payout amount can be made independently of the registration at the payout.
  • a further preferred development of the invention lies in the fact that the user identification is an alphanumeric character sequence which is assigned once in the clearing office and is entered by the user. In this way, the user can log on to the clearing office by entering the alphanumeric string at the point of sale or via the means of communication associated with the payout point.
  • the communication means is set up to receive some or all of the data relevant for the settlement of the payment prior to the establishment of a communication connection for exchanging data with the payout office.
  • the expiry of the payment can be significantly accelerated, whereby the time that a user the payout physically occupied can be significantly reduced.
  • This can reduce the formation of user queues before payouts.
  • the communication means is set up such that such Vorabeingabe information is possible only within a definable time interval before the execution of the payout, for example, to prevent abusive Vorabchaleingabe and / or use of the data entered by unauthorized third parties ,
  • the user verification is a PIN and / or a biometric identification feature of the user.
  • the PIN is an alphanumeric string entered by the user.
  • the alphanumeric string can be entered from the control panel at the point of disbursement or in the means of communication associated with the disbursement point.
  • the biometric identification feature of the user may preferably be a user's fingerprint, an user's iris scan, or a user's face recognition.
  • the interrogation of the biometric recognition feature can be done via a collection unit located at the payout office or connected to the payout office or via the communication means associated with the payout office.
  • an app for scanning the fingerprint and / or scanning the iris and / or scanning the face is installed on the communication means.
  • biometric features it can preferably be provided that several recognition features are queried simultaneously for user verification.
  • a check of biometric features takes place simultaneously with the entry of a PIN. This is e.g. ensures that the PIN is actually entered by the authorized user whose biometric features are stored.
  • a review of biometric features is repeated at different points in the process sequence according to the invention.
  • a PIN within a limited time interval must be entered and / or the input speed, ie the time interval between two alphanumeric inputs, checked, the exceeding of a definable time interval between two inputs leads to an abort of the input. This ensures that the PIN has been entered by a user who knows the PIN by heart. - egg
  • the user verification is a PIN and a biometric identification feature of the user
  • the PIN is entered via the control panel at the payout point or in the communication means connected to the payout point and the biometric identification feature of the user is arranged at the payout point or the collection unit associated with the payout office or via the communication means associated with the payout office.
  • the payment amount can be entered via the operator panel at the payout point.
  • a preferred embodiment of the invention provides that after the positive comparison of the user verification via the app of the billing office, the input of the payout height is queried and entering the payout on the open on the communication means app of the billing agency and is transmitted to the server system of the billing agency , In this way, entering the payout height does not require touching the control panel at the point of delivery, thereby reducing the user's risk of infection from touching a bacterial control panel.
  • the transmission of the query and / or the input can take place both via a direct connection of the communication device with the clearing office and via the payout point to the clearing office.
  • a further preferred development of the invention provides that a confirmation of the transaction is requested by the clearing office upon confirmation of the payout account.
  • the transaction verification is a biometric identification feature of the user, which is recorded via the collection unit located at the pay-out point or connected to the payout point or via the communication means connected to the payout point, transmitted to the clearing office and sent to the payroll office. le stored biometric identification feature is checked. In this way, a user-related transaction verification is queried.
  • the transaction verification is a transaction PIN generated by the clearing office
  • the transaction PIN is transmitted to the means of communication specified in the clearing office and communicatively connected to the clearing office and / or to the payout point
  • the user the transaction medium transmits the transaction PIN at the point of payment and / or in the means of communication
  • the input to the server system of the billing point sent is matched with the transaction PIN generated by the clearing point and, in the case of a positive balance, the payment amount is released to the point of disbursement is transmitted.
  • the transmission of the query and / or the input both via a direct connection of the communication device with the clearing office as well as the payout point to the clearinghouse.
  • the transaction PIN generated by the clearing office is transmitted to the communication means, then it is preferably provided that the entry of the transaction PIN takes place via the control panel at the payment office. In this way it can be ensured that the user stands with the means of communication in front of the payout point.
  • the transaction PIN generated by the clearing office is transmitted to the payout office and that the transaction PIN is entered via the communication means. Thus, it can also be ensured that the user stands in front of the payout point. In addition, the contact with the payout point is avoided in this way.
  • the transaction PIN is an alphanumeric character string.
  • the alphanumeric String can be generated quickly using simple means based on the random principle.
  • the transaction PIN is transmitted as text message (SMS) or picture message (MMS) to the communication means.
  • SMS text message
  • MMS picture message
  • the transaction PIN is transmitted via a direct connection between the clearing office and the communication means.
  • the direct connection is preferably a telecommunication connection.
  • the transaction PIN generated by the clearing office is generated transaction-related.
  • the transaction PIN is tied to the payout amount and / or the payout point.
  • the transaction PIN contains information about the transaction time and / or the user. This ensures that the transaction PIN can not be used for other transactions.
  • a further particularly preferred development of the invention provides that when the user is approached at the clearing office, a transaction number is generated and the transaction number is transmitted at each request or transmission. In this way, every query and every transmission of a transaction via the transaction number can be uniquely assigned at a later date.
  • the transaction number preferably contains pointers to the payout point, the user identification and information at the time of the transaction.
  • a further preferred embodiment provides that the transaction is stored in the clearing office. In this way, the transaction can be viewed at a later date.
  • each transaction transaction is encrypted. It is particularly preferred that each transmission of an input, in particular the input and transmission of the user identification and the user verification and / or the input and transmission of the transaction PIN be encrypted. In this way, the security of data transmission can be increased and data misuse by unauthorized persons can be prevented.
  • a further preferred development of the invention provides that the encryption is a cryptographic encryption.
  • the encryption of the transmitted data can be increased in order to make misuse of the data more difficult or uneconomical.
  • each transaction transaction is checked by means of a check-sum.
  • the check sum represents a simple measure for the approximate assurance of data integrity during data transmission and / or data storage. In this way, data security can be increased during the transaction.
  • the user identification in the clearing office is blocked. It is particularly preferably provided that in the case of preferably three incorrect entries of the user verification and transmission of the erroneous input to the bill of the user identification in the clearing office is blocked. In this way, a security mechanism is provided that makes it difficult for unauthorized persons to find out the user verification for a user identification by pure trial and error.
  • a further preferred development of the invention provides that after querying the payout amount and / or after requesting the transaction PIN to enter the respective input and transmission within a predetermined or specified time and to the server system of the billing center is to be transmitted and exceeding the predetermined or the time the transaction transaction or cash-out process is terminated. Furthermore, it is preferably provided that in the case of an interruption of the communicating systems, in particular in the case of a connection interruption between the communication means connected to the payout point and / or a connection interruption between the clearing office and the billing account office, the transaction process or cash payment process is terminated. In this way it is ensured that in the event of a missing input and / or a connection interruption, the transaction process is aborted and terminated or processed. This can be advantageous if the user is disturbed when entering the payout amount and leaves the payout office without canceling or processing the transaction transaction.
  • a further preferred development of the invention provides that when the transaction is processed, a transaction summary is transmitted to the means of communication specified in the clearing office. In this way, the user is informed that a cash payment has been made in the corresponding payout amount from his billing discount at billing discount.
  • the transaction summary preferably contains information about the payout point and the time of the cash payment.
  • the billing center is an integral part of the billing account office. In this way, the speed and security of data transmission can be increased.
  • the invention also relates to a system for cash payment at an automatic payout point, comprising
  • the clearing office is different from the billing account office and registration data of a user are stored in the server system of the clearing office, the registration data, which includes the determination of a user identification, the specification of a billing account at the billing account, the determination of a user verification and the specification of a means of communication.
  • a user can register by entering the user identification and the user verification at the point of payment and by submitting the entry to the clearing office at the clearinghouse.
  • the transmitted user identification and the transmitted user verification are compared with the user identification and user verification stored in the clearing office.
  • the entry of a payout amount which the user inputs via the payout point and sends to the clearing office is queried.
  • the clearing house asks for a confirmation when settling a cash discount.
  • the billing account office checks the payout amount and, if the result is positive, the payout office sends a release of the payout amount to the payout office and to the clearinghouse.
  • the payoff pays out the payout amount equal to the paid payout amount to the user.
  • the payout point has a detection unit for detecting biometric recognition features.
  • the user verification may be a biometric feature of the user that is captured via the capture unit.
  • connection device to be provided at the payout point and for the communication means specified in the clearing point to be communicatively connectable to the clearing point via the connection device.
  • the user can preferably input the input of the user identification and / or the user verification and / or the payout amount and / or a transaction verification in the form of a biometric recognition feature or a transaction PIN via the communication means and transmit it to the clearing office.
  • contacts of the payout point can be reduced and infection by a contaminated payout point can be reduced.
  • a further preferred embodiment of the invention provides that the payout point is a checkout or pay office in a bank, a shop or at a gas station. In this way, the user can withdraw money at the checkout or payment point or withdraw.
  • the invention also includes a means of communication and / or a payout that are technically configured to perform the method described above.
  • a means of communication and / or a payout that are technically configured to perform the method described above.
  • FIG. 1 shows schematically a clearing point, according to a preferred embodiment of the invention
  • FIG. 1 a shows a sequence of a method for payment of money at a point of disbursement, according to a preferred exemplary embodiment of the invention
  • FIG. 2 shows a first further sequence of a method for payment of money at a point of disbursement, according to a further preferred exemplary embodiment of the invention
  • FIG. 3 shows a second further sequence of a method for payment of money at the point of payment, according to a further preferred embodiment of the invention
  • Fig. 4 a schematic representation of a procedure for cash payment at the
  • Disbursement point according to another preferred embodiment of the invention.
  • FIG. 1 shows the structure of a clearing office 100 in which a user logs in once in advance for payment of money at an automatic payment office.
  • a user identification 110 is created for the user, stating a billing account 120, at a billing account office, a user verification 130 and a communication means 140.
  • 100 additional security settings for selecting a transaction verification can be stored in the clearing office and / or information on the payment process or on the bill of exchange. be deposited.
  • the information about the payout process or the billing process may be details of the payout limit per transaction transaction and / or information on the amount of a deposited deposit and / or information on the amount of the credit volume and / or information on the maximum amount of a direct debit.
  • the clearing office 100 can each have a user identification 110 for a multiplicity of users.
  • FIG. 1 a a sequence of a method for payment of money at a payout point 200 is shown.
  • the payout point 200 is communicatively connected to the server system of the clearing office 100.
  • user 400 Upon activation of clearinghouse 220 at disbursement center 200, user 400 initiates the process of disbursing cash at automatic disbursement center 200.
  • the user 400 By activating the billing center 220, the user 400 is requested to log on to the billing center 100 via the input and transmission of the user identification 110 and the user verification 130.
  • the user identification 110 is an alphanumeric character string with which the user 400 can be uniquely identified by the clearing office 100.
  • the user verification 130 is presently also an alphanumeric string. In this way, the user 400 can register by entering the user identification 110 and the user verification 130 via a control panel at the payout point 200 in the server system of the clearing office 100.
  • the input is transmitted to the billing center 100 and compared with the user identification 110 and the user verification 130 stored in the server system of the clearing office 100.
  • the clearing office 150 queries the payout amount 150.
  • the user 400 inputs the payout amount 150 via the payout point panel 200 and the input is transmitted to the server system of the clearing office 100.
  • a confirmation of the payout amount 240 is requested at the billing account office 300.
  • the billing account office 300 checks the payout amount 150.
  • a release of the payout amount 180 is sent to the clearing office 100.
  • the payout agency 200 transmits a payout confirmation 260 to the clearinghouse 100.
  • the clearinghouse 100 forwards the payout confirmation 260 to the billing account office 300.
  • FIG. 2 shows the method of payment of money already known from FIG.
  • the release of the payment amount 180 or confirmation of the billing account 300 by the clearing office 100 is followed by the request for a transaction verification 190.
  • the transaction verification 190 is a transaction PIN 160 generated by the clearing office 100. which is transmitted to the communication means 140 indicated in the clearing office 100 in the form of a text message and / or image message.
  • the user 400 reads out the transaction PIN 160 and enters the transaction PIN 160 via the control panel of the payout point 200.
  • the input of the transaction PIN 160 is transmitted to the server system of the clearing office 100 and matched with the generated transaction PIN 160.
  • the clearing office 100 transmits the release of the payout amount 180 to the payout point 200.
  • the payout amount 200 in the payout amount 150 is paid to the user 400 via the payout point 200.
  • the payout point 200 transmits a payout Confirmation 260 to the clearinghouse 100.
  • the clearinghouse 100 forwards the disbursement confirmation 260 to the settlement discount account 300 and also sends a transaction summary 170 to the communication means 140 indicated in the clearing house 100.
  • FIG. 3 shows the user's registration via the communication means 140 specified in the clearing office 100.
  • communication means 140 Upon activation of clearinghouse 220 at disbursement center 200, communication means 140 is communicatively connected to disbursement center 200 via a wireless communication link 230.
  • an app of the clearing office 100 is started on the communication means 140. Via the app of the clearing office 100, the request to enter the user identification 110 and the user verification 130 takes place.
  • the user identification 110 is an alphanumeric character string which is input via the communication means 140 and the user verification 130 in the present case is a biometric identification feature of the user 400, which is detected via the communication means 140.
  • the user identification 110 and the user verification 130 are transmitted via the payout point 200 to the server system of the clearing office 100 and matched in the clearing office 100.
  • an identification of the payout point 210, via which the payout point 200 is uniquely identifiable, is transmitted to the server system of the clearing office 100. In this way, the user logs on via the input of the user identification 110 and the user verification 130 on the communication means 140 connected to the payout point 200 and the transmission of the identification number at the clearing office 100.
  • the payout amount 150 is queried via the app of the clearing office 100 on the communication means 140.
  • the user enters the payout amount 150 on the communication medium 140.
  • the input of the payout amount 150 is transmitted to the server system of the clearing office 100.
  • the communication takes place in each case via the payout agency 200th
  • the transaction verification 190 is a transaction PIN 160 generated by the clearing office 100, which is transmitted to the communication means 140 in the form of a text message and / or image message.
  • the user enters the transaction PIN 160 at the payout point 200 and transmits the input to the server system of the clearinghouse 100, where the entry is matched against the generated transaction PIN 160.
  • the transaction PIN 160 is tied to the payout amount 150 and / or the payout point 200. This ensures that the transaction PIN 160 can not be used for other transactions.
  • a confirmation of the payment amount 240 at the billing account office 300 is requested via the server system of the clearing office 100.
  • the billing skoun- ding center 300 checks the payout amount 150, and if the result is positive, a release of the payout amount 180 is transmitted to the clearing office 100.
  • the payment is made in the payout amount 150 to the user 400.
  • the payout agency 200 transmits a payment confirmation 260
  • the clearinghouse 100 forwards the disbursement confirmation 260 to the settlement discount account 300 and also sends a transaction summary 170 to the communication means 140 indicated in the clearing house 100. It is basically provided that when the user 400 logs on to the clearing house 100 a transaction number is generated and the transaction number is transmitted on each request or transmission. In this way, every query and every transmission of a transaction via the transaction number can be uniquely assigned at a later date.
  • the transaction number preferably contains pointers to the payout point 200, the user identification 110 and information at the time of the transaction.
  • each transmission of an input in particular the input and transmission of the user identification 110 and the user verification 130 and / or the input and transmission of the transaction PIN 160 is encrypted cryptographically.
  • each transaction transaction is checked by means of a check-sum.
  • the check-sum is a simple way to approximate data integrity during data transfer and / or data storage. In this way, data security in the transaction can be increased.
  • the user identification 110 in the billing section 100 is blocked. It is provided that if the user verification 130 is entered incorrectly and the erroneous input is transmitted to the clearing office 100 three times, the user identification 110 in the clearing office 100 is blocked. On In this way, a security mechanism is provided which makes it difficult for unauthorized persons to find the user verification 130 for a user identification 110.
  • the respective input and transmission must be entered within a predetermined or specified time and transmitted to the server system of the clearing office 100. If the predetermined or fixed time is exceeded, the transaction process or cash-out process is aborted. This ensures that if there is no input, the transaction process is aborted and terminated or processed. This can be advantageous if the user is disturbed when entering the payout amount 150 and leaves the payout point 200 without canceling or terminating or processing the transaction transaction.
  • FIG. 4 shows a procedure for paying out cash at the automatic payout point 200.
  • the user activates at the payout point 200 with the payout 200 communication technology associated billing center 100.
  • the payout point 220 is also the identifier of the payout point 210 through which the payout point 210 is uniquely identifiable, transmitted to the clearinghouse 100.
  • the user connects the communication means 140 via a wireless communication link 230 to the payout point 200 and starts an app of the clearing office 100 on the communication means 140.
  • the activated billing center 100 queries the input of the user identification 110 and the user verification 130 via the payout point 200 on the communication means 140 connected to the payout point 200.
  • the user inputs the user identification 110 and the user verification 130 via the communication means 140.
  • the input of the user identification 110 and the user verification 130 are transmitted via the payout point 200 to the server system of the clearing office 100.
  • the server system of the clearing office 100 the transmitted input of the user identification 110 and the user verification 130 is compared with the user identification 110 and user verification 130 stored in the server system of the clearing office 100. In the case of a positive comparison, the clearing office 100 queries the payout amount 150 via the payout point 200 on the communication medium 140.
  • the user inputs the payout amount 150 via the communication means 140 and transmits the entry via the payout point 200 to the server system of the clearing office 100.
  • a confirmation of the payout amount 240 is requested at the billing account office 300 for the account specified in the clearinghouse 100 billing schir.
  • the payout amount is checked and in the case of a positive notification, a release of the payout amount 180 is transmitted to the clearing office 100.
  • the clearing house 100 queries a transaction verification 190, preferably in the form of a biometric recognition feature, via the communication means 140.
  • a transaction verification 190 preferably in the form of a biometric recognition feature
  • a direct connection between the clearing office 100 and the communication means 140 may be present.
  • the interrogation of the biometric recognition feature may be directed to the communication means 140 via the payout point 200.
  • the transaction verification 190 transmitted to the clearing office 100 is compared with the user's transaction verification 190 previously stored in the clearing office 100. If the result is positive, the clearinghouse 100 transmits the release of the payout amount 180 to the payout point 200.
  • Disbursement 250 of the disbursement amount to user 400 is made by disbursement agency 200.
  • Disbursing agency 200 transmits a disbursement confirmation 260 to clearinghouse 100.
  • Clerk 100 transmits disbursement confirmation 260 to billing account office 300 and transmits a transaction digest 170 to the communication agent 140. The transaction is handled by it.

Abstract

L'invention concerne un procédé de paiement en numéraire auprès d'un centre de paiement automatique (200), comprenant les étapes suivantes : ‑ enregistrement unique d'un usager auprès d'un centre de compensation (100) et définition d'un identifiant d'usager (110), indication d'un compte de compensation (120) auprès d'un centre de comptes de compensation (300), le centre de comptes de compensation (300) étant différent du centre de compensation (100), définition d'un code de vérification d'usager (130) et indication d'un moyen de communication (140) ainsi que mémorisation des données d'ouverture de session dans un système de serveur du centre de compensation (100) ; ‑ activation du centre de compensation (220) au niveau d'un centre de paiement (200) par l'usager, le centre de paiement (200) étant connecté par une liaison de communication au système de serveur du centre de compensation (100) ; ‑ ouverture par l'usager d'une session au niveau du centre de compensation (100) en saisissant son identifiant d'usager (110) et son code de vérification d'usager (130) et transmission de l'identifiant d'usager (110) et du code de vérification d'usager (130) au système de serveur du centre de compensation (100) ; ‑ comparaison du code de vérification d'usager (130) mémorisé et du code de vérification d'usager (130) saisi à l'intérieur du système de serveur du centre de compensation (100) ; ‑ si le résultat de la comparaison des codes de vérification d'usager (130) est positif, transmission d'une demande de saisie d'un montant à payer (150) ; ‑ saisie du montant à payer (150) et transmission de la saisie au système de serveur du centre de compensation (100) ; ‑ demande d'une confirmation du montant à payer (240) auprès du centre de comptes de compensation (300) ; ‑ si le montant à payer (150) est confirmé par le centre de comptes de compensation (300), transmission d'une validation du montant à payer (180) au centre de compensation (100) et au centre de paiement (200) ; ‑ paiement du montant à payer (150) par le centre de paiement (200) ; ‑ transmission d'une confirmation de paiement (260) au centre de compensation (100) et au centre de comptes de compensation (300) ; ‑ liquidation de la transaction. On obtient ainsi un procédé de paiement en numéraire auprès d'un centre de paiement automatique qui est sûr, qui permet à un usager de retirer de l'argent de son compte bancaire même sans carte bancaire et qui minimise le risque d'infection de l'usager par des distributeurs de billets contaminés.
PCT/EP2015/059860 2014-05-05 2015-05-05 Procédé de paiement en numéraire auprès d'un centre de paiement automatique WO2015169803A1 (fr)

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DE102014106239.6 2014-05-05
DE102014106239.6A DE102014106239A1 (de) 2014-05-05 2014-05-05 Verfahren zur Geldauszahlung an einer automatischen Auszahlungsstelle

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CN110969758A (zh) * 2019-11-28 2020-04-07 中国银行股份有限公司 一种银行金库管理方法、装置、服务器及存储介质

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