WO2019112471A1 - Réalisation de transactions en cas de pannes dans un canal de communication d'un dispositif self-service - Google Patents

Réalisation de transactions en cas de pannes dans un canal de communication d'un dispositif self-service Download PDF

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Publication number
WO2019112471A1
WO2019112471A1 PCT/RU2017/000987 RU2017000987W WO2019112471A1 WO 2019112471 A1 WO2019112471 A1 WO 2019112471A1 RU 2017000987 W RU2017000987 W RU 2017000987W WO 2019112471 A1 WO2019112471 A1 WO 2019112471A1
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WO
WIPO (PCT)
Prior art keywords
transaction
remote server
request
css
transactional
Prior art date
Application number
PCT/RU2017/000987
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English (en)
Russian (ru)
Inventor
Валерий Валерьевич ТОЛКАЧЕВ
Сергей Юрьевич САЕНКО
Дмитрий Борисович ЕМЕЛЬЯНОВ
Михаил Алексеевич КОНДРАТЬЕВ
Алексей Сергеевич АСКЕРКО
Александр Сергеевич СЫСУЕВ
Денис Васильевич ТОПЧАК
Original Assignee
Публичное Акционерное Общество "Сбербанк России"
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 Публичное Акционерное Общество "Сбербанк России" filed Critical Публичное Акционерное Общество "Сбербанк России"
Publication of WO2019112471A1 publication Critical patent/WO2019112471A1/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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L1/00—Arrangements for detecting or preventing errors in the information received

Definitions

  • This technical solution in general, relates to the field of data processing for the implementation of cash delivery (DS) transactions when users interact with self-service devices (CS), and in particular, to methods of conducting DS delivery transactions when a failure occurs communication channel US
  • the claimed technical solution is aimed at solving the problem of creating a mechanism for guaranteed delivery of DS in the event of errors in the channel of the CS without re-authorization and without re-entering the parameters of the transaction.
  • a timer determines the amount of time to restore communication between the CSS and the remote server.
  • the MAC address of the US is additionally taken into account when requesting a transaction.
  • a remote server is polled for a specified time parameter to activate a re-request for a response to complete the transaction.
  • biometric information is a fingerprint, a retinal image, voice data, or combinations thereof.
  • the graphic image is a photograph of the user.
  • the technical result is achieved due to the implementation of the system of guaranteed performance of the delivery transaction of the DS in case of failures in the communication channel of the self-service device US, which contains the CSS and the associated remote server, with the US performed with the ability to receive a primary user request for a transaction for the delivery of DS;
  • the remote server is designed with the ability to save information about the transaction received and delivered DS.
  • a CSS is an ATM or an information and payment terminal.
  • USB is connected to the remote server via a wired or wireless computer network.
  • a wired network is a LAN (LAN), WAN, PAN, or Intranet.
  • a wireless network is a WAN, Internet, WLAN, WMAN or GSM.
  • the remote server is a cloud server.
  • the CSS contains the means of user verification.
  • the verification tools are selected from the group: a PIN-pad, a touchscreen display, a camera, a biometric scanner, a microphone, or combinations thereof.
  • FIG. 1 illustrates the process of performing the claimed method.
  • FIG. 2 illustrates the process of guaranteed delivery of DS in general.
  • FIG. 3 illustrates a general view of the system implementing the method.
  • FIG. 4 illustrates the DC scheme
  • FIG. 5. illustrates the server request processing from CSS.
  • Cash (DS) is a specific product with the highest liquidity that serves as a measure of the value of other goods and services.
  • a self-service banking device is a software and hardware complex designed for the automated issuance and / or receipt of cash DSs both with and without payment cards, as well as other operations, including payment for goods and services, documents confirming the relevant operations.
  • Banking self-service devices are divided into two types, depending on whether they support the cash out function or not. If the function is supported, the CM is an ATM (English automated teller machine), or an ATM, otherwise - NCS (non-cash systems), or a terminal for cashless transactions.
  • the CSS is in one of the following modes of operation:
  • CM is not working due to a malfunction, depletion of funds, or compulsory transfer of a CSS to the specified mode;
  • the US In the In service mode, the US is in one of the states (state), with the number from 001 to 999, and 25 character string description.
  • the first character of this line is the type of the state (denoted by the letters A..Z, as well as a..z and some characters (, '.?)), Which defines the set.
  • the remaining 24 characters are 8 decimal 3-digit numbers, each of which is a specific setting of the state (screen number for display, conditions for transition to state, list of actions).
  • the request is a CSS identifier (Logical Unit Number), data from map tracks, data about previous transactions, data from amount buffers, pin-block, function key presses (FDK buffer). Data is separated by a separator character.
  • the remote server receives the request and analyzes the FDK buffer - it is by the contents of this buffer that the remote server understands what the CSS wants. Then, depending on the decision, sends the answer which contains:
  • the claimed method of guaranteed performance of a DS delivery transaction in case of failures in the communication channel (100) is initiated by receiving and processing the initial user request for performing a DS delivery transaction (101).
  • the initial user request for the execution of a transaction can be formed in the US memory after the client selects a banking operation.
  • the user can select a banking operation by using the graphical user interface (GUI) of the CSS.
  • GUI graphical user interface
  • a bank transaction can be used to issue cash or depositing a DS on a bank card (request for crediting of funds deposited).
  • the primary user request is formed using the user interaction with a CSS, for example, an ATM or a terminal for cashless transactions.
  • the primary user request contains at least information about the user's intention to carry out the transaction for the delivery of the DS.
  • a transactional request (102) is formed and stored in the US memory, containing at least information on the type of transaction, amount of transaction, transaction details depending on the type of transaction and unique identifier transactions (TrlD).
  • the transaction identifier is a numeric or character value.
  • the value of the TT must be unique for each transactional request (the value of the TT is updated each time it transitions to the transaction state in the CSS scenario). If the usual transactional request is received in the new format, the request field is not empty; its value must be stored in the remote server database as part of the transactional data.
  • TransactionlD is added to all transactional requests, for example, with the identifier “3”, consisting of 12 characters.
  • TMMflflMMMMNNN (where G is the last digit of the current year, MM is the month number, DD is the day, HH is the hour, MM is the minute, NNN is the last 3 digits of the current Accumulated Transaction Count, which ensures the uniqueness of the TransactionlD value for a given terminal).
  • the CA After forming a transactional request (102) and storing it in the US memory, the CA generates and sends a message containing the above transactional request containing at least information on the type of transaction, transaction amount, transaction details and unique transaction identifier to the remote server.
  • the CS determines whether there is a connection in the channel between the CS and the remote server, and in case of a failure in the communication channel between the CSS and the remote server, the CS prompts the user to cancel the transaction or continue the transaction in the DS guaranteed delivery mode .
  • the implementation prompts the user to abandon the transaction or continue the transaction in the mode of guaranteed delivery of the DS in the event of a timeout of the response of the remote server to the transaction message.
  • the CD sends a message containing a transactional request containing at least information on the type of transaction, transaction amount, transaction details and a unique identifier transactions to a remote server using data from the original transactional message.
  • Sending a second request is controlled at the CSS script level.
  • a special module attribute is used.
  • An attribute can be managed using a SQL script or a web form, while not introducing a web form is a stop factor for replicating the functionality of guaranteed delivery of DS to the entire CSS network.
  • the repeated request is ignored if the remote server sent a response to the original request.
  • the US has sent a message acknowledging receipt of the response from the remote server.
  • the implementation ignores the repeated request if the remote server sent a response to the original request from the CSS that sent the message about switching to the Supervisor Mode or a Power Up message.
  • the implementation ignores the repeated request if the card numbers or transaction amounts, or transaction types (OPCODE buffer) in the original and repeated requests are different.
  • the re-request is ignored if an error occurs in the re-request format, including an empty TrlD.
  • the remote server after receiving a message from the CA containing a transactional request for delivery of DS, verifies the correctness of the information contained in the transactional request.
  • the remote server checks the correctness of the specified type of transaction, transaction details, a unique transaction identifier, and whether there is enough DS in the DS account for delivery of the DS.
  • the CS re-establishes the connection with the remote server, according to the current settings of the network of the CS bank.
  • the remote server checks the MAC of the transactional request, and also if this request was previously processed.
  • the remote server If all the specified parameters are correct, then the remote server generates and sends a transactional response to the MS indicating that the delivery of the DS has been completed.
  • the remote server completes the processing of the original message and generates a response to the repeated transactional message from the CS.
  • the response to the original message from the CSS is not formed. If, due to the peculiarities of paralleling the processing of requests, the CSS on the remote server will be sent to the CSS and the response to the original request, and to re-request, this situation is not an error.
  • the CS should ignore the response to the original request, since at the time of the re-request formation in the CM, the actual values of the MCN and TVN transactions have changed.
  • the message will have the new TVN and MCN values from the repeated query of the CSS.
  • FIG. 2 shows the principle of operation of the mechanism for guaranteed delivery of DS (200).
  • the CS Upon detection of failures in the communication channel between the CS and the remote server (201), the CS starts the guaranteed delivery mode of the DS.
  • the CSS sets a timer, which determines the amount of time to restore communication between the CSS and the remote server, sets the time interval parameter for performing a repeated transactional query (202).
  • the CS polls the remote server to activate a re-request to receive a response to complete the transaction and attempts to send a transactional request to the remote server, taking into account the number of attempts to send a transactional request (203).
  • FIG. 4 shows the general scheme of CS (300) in the form of an ATM or a terminal for cashless transactions.
  • US (300) contains the components integrated via the bus, such as: processor (301), memory (302), network interconnection tool (303), display (304), controls (305), DS issuance tool (306). Additionally, the DS reception tool (307) may also be used.
  • the CSS processor (301) performs all the necessary computational operations when processing transactional requests.
  • the memory (302) may represent one or more devices of various types, such as: RAM, ROM, or a combination thereof. HDDs, SSDs, flash memory, etc. can be used as ROMs.
  • the memory (302) stores the program logic executed by the processor (301), which is necessary for implementing the operating mode of the CSS (300), and the operating system organizing the interaction interface and data processing protocols.
  • devices can be used that provide communication with a remote server using a wired or wireless type of communication, for example, Ethernet card (LAN), Wi-Fi module, GSM modem (2G, 3G, 4G, 5G), etc.
  • LAN Ethernet card
  • Wi-Fi module Wi-Fi module
  • GSM modem 2G, 3G, 4G, 5G
  • data can be used between US (300) and user (user device), for example, a Bluetooth transceiver, NFC module, IrDa, etc.
  • the CSS display (304) serves to display the graphical user interface, as well as when it is executed as a touchscreen display, it also provides user interaction and control commands from it.
  • the controls of the CSS (305) can be a keyboard, touchscreen, pin-pad, mechanical, and touch buttons.
  • the DS dispenser (306) is a dispenser. Dispenser
  • (306) may be of various types, for example, friction or vacuum.
  • CS (300) may contain a means for receiving DS
  • CSS (300) may contain a bank card reader, a camera, one or more biometric sensors, and a microphone. These devices, both individually and collectively, can be used to identify and verify the user. The user can identify the beginning of a transactional request by submitting a bank card to a special reader US (300) and entering the pin code using the keyboard (305) or the touch display (304).
  • two-factor user verification can be applied using a camera or biometric sensors, for example, a fingerprint scanner, a retina, or using a user's voice analysis.
  • a camera or biometric sensors for example, a fingerprint scanner, a retina, or using a user's voice analysis.
  • the image of the user of the DC (300) can be fixed for further processing and comparison with the reference identifying information of the account holder when initiating a transactional operation in the CSS (300).
  • the CS (300) can also provide for the exchange of identification information in a completely non-contact mode, using a pre-created identification token using a user device, such as a smartphone, tablet or laptop, and its subsequent transmission over a wireless channel of information exchange, such as Bluetooth , Wi-Fi, NFC, RFID, etc., in the CSS (300).
  • a user device such as a smartphone, tablet or laptop
  • a wireless channel of information exchange such as Bluetooth , Wi-Fi, NFC, RFID, etc.
  • FIG. 5 shows the general scheme of a remote server (400).
  • Server (400) is designed to process execution requests transactional requests to the channel CSS (300). Also, the server (400) implements a mechanism for guaranteed delivery of the DS in the event of a failure in the CSS channel without re-authorization and without re-entering the transaction parameters.
  • the server (400) contains such components as: at least one processor (401), at least one memory (402), data storage means (403), input / output interfaces (404), means network interaction (405).
  • the processor (401) of the server performs the basic computational operations during its operation with CSS (300).
  • the processor (401) executes the necessary computer readable instructions contained in the memory (402).
  • Memory (402) is made in the form of RAM and contains the necessary logic of the operating system, the mechanism for guaranteed delivery of DS and other program logic that provides the full functionality of the server (400).
  • the data storage medium (403) can be performed in the form of HDD, SSD disks, array raid, flash memory, optical data storage devices (CD, DVD, MD, Blue-Ray disks), etc.
  • Means (403) allow for long-term storage of various types of information, for example, the history of processing transactional requests (logs), user identifiers, etc.
  • Interfaces (404) are standard means for connecting and working with a server (400), for example, USB, RS232, RJ45, LPT, COM, HDMI, PS / 2, Lightning, FireWire, etc.
  • interfaces (404) depends on the specific implementation of the server (400), which can be a personal computer, mainframe, server cluster, thin client, etc.
  • Networking tools (405) are selected from devices providing network data reception and transmission, for example, Ethernet card, WLAN / Wi-Fi module, Bluetooth module, BLE module, NFC module, IrDa, RFID module, GSM modem, and t .P.
  • the organization of data exchange between the server (400) and US (300) is provided via a wired or wireless data transmission channel, for example, WAN, PAN, LAN (LAN), Intranet, Internet, WLAN, WMAN or GSM.
  • the server (400) may contain data input / output facilities, such as a keyboard, joystick, display (touchscreen), projector, touchpad, manipulator, computer mouse, trackball, light pen, speakers, microphone, etc.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer And Data Communications (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention se rapporte au domaine du traitement de données pour effectuer des transactions concernant la fourniture de moyens financiers (MF) lors de l'interaction d'utilisateurs avec des dispositifs self-service (DS). L'invention concerne un dispositif d'exécution de transaction de MF en cas de pannes dans le canal de communication d'un dispositif self-service (DS), qui comprend les étapes suivantes: on reçoit dans le canal DS une demande d'utilisateur initiale concernant l'exécution de la transaction, on génère et on stocke dans la mémoire du DS la demande de transaction contenant des informations sur le type, la somme, les attributs et l'identifiant de la transaction, on vérifie l'existence de communication entre le DS et un serveur distant à l'entrée duquel on lance une tentative d'exécution de la demande de transaction du client, on détermine dans le canal du DS un échec d'exécution de ladite transaction lors d'une tentative de communication avec le serveur distant. On obtient ensuite au niveau du DS des informations sur la réception d'une réponse du serveur distant, on génère une seconde demande de transaction sur la base des données de la demande de transaction initiale et on effectue une seconde tentative de réalisation de la demande de transaction, après quoi on effectue la transaction.
PCT/RU2017/000987 2017-12-04 2017-12-27 Réalisation de transactions en cas de pannes dans un canal de communication d'un dispositif self-service WO2019112471A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2017142158 2017-12-04
RU2017142158A RU2673982C1 (ru) 2017-12-04 2017-12-04 Способ и система выполнения транзакций по доставке денежных средств при возникновении сбоев в канале связи устройства самообслуживания

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RU2767285C1 (ru) * 2020-12-08 2022-03-17 Публичное Акционерное Общество "Сбербанк России" (Пао Сбербанк) Способ и система автоматизированного зачисления денежных средств при возникновении сбоев в канале устройства самообслуживания в момент взноса наличности

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US5838812A (en) * 1994-11-28 1998-11-17 Smarttouch, Llc Tokenless biometric transaction authorization system
US20140201066A1 (en) * 2013-01-14 2014-07-17 Xerox Corporation System and method for enabling transactions on an associated network
US20150170145A1 (en) * 2013-12-18 2015-06-18 PayRange Inc. Method and system for transmitting interrupted transactions
US9602424B1 (en) * 2014-03-31 2017-03-21 Amazon Technologies, Inc. Connection balancing using attempt counts at distributed storage systems
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RU2673982C1 (ru) 2018-12-03
EA034122B1 (ru) 2019-12-30
EA201700603A1 (ru) 2019-06-28

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