WO2020101523A1

WO2020101523A1 - Method and system for searching for a self-service device

Info

Publication number: WO2020101523A1
Application number: PCT/RU2018/000752
Authority: WO
Inventors: Данил Анатольевич ШИШНЕВ; Аркадий Михайлович ЧЕРТОК
Original assignee: Публичное Акционерное Общество "Сбербанк России"
Priority date: 2018-11-15
Filing date: 2018-11-15
Publication date: 2020-05-22
Also published as: RU2723456C2; RU2018140414A3; RU2018140414A; EA201892373A1

Abstract

The present technical solution relates to means of processing digital information, in particular to a method and system for searching for a self-service device (SSD). The technical result is to provide automated selection of an SSD with the necessary functionality for executing a transaction. The claimed result is achieved by a method for searching for an SSD which consists in performing the following steps: generating a request for searching for an SSD using a user device, wherein the request comprises information about the inaccessibility of at least one function of the SSD necessary to perform a banking operation, and information identifying the SSD; transmitting said request to a server; on the basis of the received identifying information of the SSD, determining its location coordinates and the function which is not accessible; determining at least one SSD comprising at least one function necessary for carrying out a user transaction; transmitting information about the location of at least one discovered SSD to the user device.

Description

METHOD AND SYSTEM FOR SEARCHING A SELF-SERVICE DEVICE

FIELD OF TECHNOLOGY

[0001] The present technical solution generally relates to digital information processing means, in particular, to a method and system for searching a self-service device.

BACKGROUND

[0002] Currently, there is a need to monitor the technical condition of self-service devices (hereinafter referred to as SS), for example, ATMs, in order to be able to select a USB for a client in case one or more of its functions do not work.

[0003] As an analogue of the claimed solution, we can consider an example of a method for selecting various objects when they are displayed on a user's digital map (application US 20070210937 A1, 09/13/2007). In a known solution, the user can be provided with information along the route to the desired object, which is displayed on the screen of his electronic device, for example, a smartphone. The user can search for various types of objects using the search engine of a software application by setting various criteria for selecting the required information, for example, banks, restaurants, etc., nearest to him.

[0004] The well-known principles of searching for objects do not allow to implement a more accurate mechanism for searching for objects, in particular, DC, in the event of a malfunction or disruption in their operation, when the transaction or banking operation required by the user cannot be performed and a search for another CSS is required.

SUMMARY OF THE INVENTION

[0005] A technical problem or technical problem to be solved by the claimed method and system is to provide functionality for online search using the online service of the CA necessary for the user to complete transactions in the case when the CS cannot process the user request for the transaction for various technical reasons.

[0006] The technical result that is achieved by implementing the indicated technical problem is the provision of automated selection of CSS with the necessary functionality to complete the transaction. [0007] The claimed result is achieved due to the method of searching for CSS, which consists in performing the steps in which:

- form, using the user's device, a request to search for a CA, and the request contains information about the inaccessibility of at least one function of the CA necessary to perform a banking operation, and information identifying the CA;

- transmit said request to the server;

- determine based on the received identifying information of the US its location coordinates and a function that is not available;

- determine at least one CSS containing at least a function necessary to perform a user transaction;

- transmit information about the location of at least one found CSS to the user device.

[0008] In one of the private embodiments of the method, information identifying the CA is the identifier of the CA and / or the address of the installation site of the CSS.

[0009] In another private embodiment of the method, the identifier of the CA is encrypted in a QR code posted on the CSS.

[0010] In another private embodiment of the method, the server searches for the nearest DC in the specified area of removal from the DC, the coordinates of which were obtained in the user request.

[OOP] In another particular embodiment of the method, the route to the selected CSS is displayed using the graphical interface of the user device.

[0012] In another particular embodiment of the method, location information for searching in its CS area is additionally transmitted in a user request.

[0013] In another private embodiment of the method, the information is selected from the group: name of the metro station, street address, name of the shopping facility, or a combination thereof.

[0014] In another particular embodiment of the method, when searching on the CSS server, a client flow rate for each of the CSSs is additionally determined.

[0015] In another particular embodiment of the method, an average queue latency parameter is determined based on the client flow.

[0016] In another particular embodiment of the method, the user request further comprises data on at least one additional CSS function. [0017] In another particular embodiment of the method, the user selection of the CSS is additionally fixed.

[0018] In another private embodiment of the method, the US is periodically polled by the server for the health of at least the function for performing a user transaction directed in a user request.

[0019] In another particular embodiment of the method, in the event of a malfunction of the US function necessary to complete the transaction, a corresponding notification is sent to the user.

[0020] In another particular embodiment of the method, the nearest US containing the function necessary to complete the transaction is automatically searched for and information is transmitted to the user device.

[0021] The claimed result is also achieved by implementing a CSS search system that includes a user device and a server in which

user device provides

- the formation of a user request for the search for CSS, and the query contains information about the inaccessibility of at least one CSS function necessary to perform a banking operation, and information identifying the CSS;

- transfer of the aforementioned request to the server;

server provides

- determination based on the received identification information of the US of its location coordinates and a function that is not available;

- determination of at least one CSS containing at least a function necessary to complete a user transaction;

- transmitting location information of at least one found CSS to a user device.

[0022] In one particular example of the implementation of the system, the user device is a smartphone, laptop, tablet, gaming handheld device or wearable smart device.

[0023] In another particular example of the implementation of the system, the user device, when receiving information from the server, displays the route to the CSS.

[0024] In another particular example of the implementation of the system, the server periodically polls the CSS for the operability of at least the function for performing a user transaction directed in a user request. [0025] In another particular example of the implementation of the system, the server, in case of a malfunction of the function of the DC necessary to complete the transaction, send a notification to the user on his device.

[0026] In another particular example of a system implementation, the server automatically searches for the nearest DC containing the function necessary to complete the transaction, and transmit information to the user device.

DESCRIPTION OF DRAWINGS

[0027] The features and advantages of this technical solution will become apparent from the following detailed description and the accompanying drawings, in which:

[0028] FIG. 1 illustrates a general view of an information system.

[0029] FIG. 2 illustrates a flow chart of method steps.

[0030] FIG. 3 - FIG. 4 illustrate an example of the display of CSS on a digital map.

[0031] FIG. 5 illustrates an example of interaction with the user interface in the selection of CSS.

[0032] FIG. 6 illustrates a general view of a computing device. The implementation of the invention

[0033] In the context of the present description, unless clearly indicated otherwise, "server" means a computer program running on the appropriate equipment, which is able to receive requests (for example, from client devices) over the network and execute these requests or initiate the execution of these requests . The equipment may be one physical computer or one physical computer system, but neither one nor the other is mandatory for this technology. In the context of this technology, the use of the expression “server” does not mean that each task (for example, received instructions or requests) or any specific task will be received, completed or initiated to be executed by the same server (that is, by the same software software and / or hardware); this means that any number of software elements or hardware devices can be involved in the reception / transmission, execution or initiation of any request or the consequences of any request associated with the client device, and all this software and hardware can be one server or several servers, both options are included in the expression “at least one server”.

[0034] In the context of the present description, unless clearly indicated otherwise, "user client device" or "mobile user communication device" means a hardware device capable of working with software suitable for solving the corresponding problem. Thus, examples of client devices (among others) include personal computers (desktop computers, laptops, netbooks, etc.), smartphones, tablets, and network equipment such as routers, switches, and gateways. It should be borne in mind that a device behaving as a user device in the present context may behave like a server in relation to other client devices. The use of the expression “client device” does not exclude the possibility of using multiple client devices to receive / send, execute, or initiate the execution of any task or request, or the consequences of any task or request, or the steps of any method described above.

[0035] In the context of the present description, unless clearly indicated otherwise, the term "database" means any structured data set that is independent of the specific structure, database management software, hardware of the computer on which the data is stored, used or otherwise are available for use. The database may reside on the same hardware that runs the process that stores or uses the information stored in the database, or it may reside on separate hardware, such as a dedicated server or multiple servers.

[0036] In the context of the present description, unless clearly indicated otherwise, the term "information" includes any information that may be stored in a database. Thus, information includes, among other things, audiovisual works (images, videos, sound recordings, presentations, etc.), data (location data, digital data, etc.), text (opinions, comments, questions , messages, etc.), documents, tables, etc.

[0037] In FIG. 1 shows a general view of a common information system (100), which includes a user device (110), a remote server (120), and a plurality of CSS (130) - (140). Elements of the system (100) are interconnected via a communication network (150), for example, using the computer network "Internet". Network (150) may be implemented using protocols such as: WAN, WLAN, Wi-Fi, GSM / GPRS / LTE / 5G, TCP / IP, etc.

[0038] A user device (software) can be selected from various computing devices, for example, a smartphone, tablet, laptop, portable game console, computer, wearable smart device (smart watch, smart bracelet, smart glasses, etc. .).

[0039] The server (120) performs the main processing of information flows from user devices (110) to provide functionality for searching and determining the required CSS (130) - (140) required by the user.

[0040] As a rule, CSS (130) - (140) is understood as an ATM or payment terminal for making various transaction requests, in particular, issuing money (hereinafter referred to as DS), depositing DS, crediting DS to a current account, self-collection, payment of housing and communal services, repayment of a loan, etc.

[0041] FIG. 2 shows an algorithm for performing method (200) for searching and selecting a CSS based on a user request.

[0042] The method (200) is performed in a situation in which the user interacts with the CA (130), which cannot ensure the execution of the required functionality to complete the transaction, for example, in the case of a technical failure of the US (130) or other reasons (the impossibility of issuing the required the amount of DS, the performance of self-encashment).

[0043] In the first step (201), the user using the computing device (110) generates a request in case of problems with the functioning of the CSS (130). The request, as a rule, contains the necessary set of data, such as: information about the reasons for the inoperability of the given control unit (130), for example, a malfunction of one or more functions, or the impossibility of issuing the required DS amount, as well as information identifying the control unit (130), in particular its location.

[0044] The location of the US (130) can be indicated in detail indicating the address, or only indicating the location of its installation, for example, a bank branch, a store, a residential building, etc. In this case, the request may indicate, for example, the street and the name of the store (or other premises) in which the standard unit is installed (130).

[0045] The user request (201) also includes information about the desired CSS function to search for the desired device from the possible (140). For example, a user request may include a clarification about the need to accept cash DS, or the availability of the Nth amount of DS for issuing, finding the DC (140) in an indoor environment, etc. [0046] The generated user request (201) using the device (110) is transmitted to the server (120). Request (201) can be generated using a specialized software application, using a call to a call center or using the service of an intelligent bank assistant, for example, a chat bot system operating in a mobile channel.

[0047] After the user request is received by the server (202), a processing step (203) is performed. Upon receipt of the request, the server’s functionality (120) determines the location of the OS (130), which is unsuitable for performing a user transaction based on the inability to perform one or more functions.

[0048] The server logic (120) searches for possible CSS (140) that contain the required functionality for processing a user request (201). The user request (201) can be further refined when it is sent to the server (120), in particular, the user (110) can indicate the location, for example, the name of the street, region or metro station, in the area of which it is necessary to search for the required public address (140) , or additionally specify the function, the presence of which is necessary in the equation of state (140).

[0049] If the server's logic in step (205) obtains clarifying information regarding the location or functionality of the CSS (140), then the selection of results is performed taking into account it. Server logic (120), by default, searches for the closest CSS (140) from the user (110) that contain the required functionality.

[0050] When processing the user request in step (204), the server (120) also takes into account the coordinates of the location of the DC (130), next to which the user (110) is located. The geographic coordinates of CSS (130) are used to obtain the coordinates identified by CSS (140) and to refine the address of their location based on geographical coordinates.

[0051] The result of the selection of CSS (140) is transmitted to the user device (software) for display (206). The result is displayed using the graphical interface (GUI) of the user device (software). If augmented or mixed reality tools, such as Google Glasses or Microsoft Hololens glasses, are used as a user device (110), the GUI can be performed with digital information overlaying on top of the surrounding objects.

[0052] Additionally, when searching for CSS (140) using the server (120), a survey can be performed for the technical state of CSS (140), which fall into a sample of a variety of CSS (140) that fit the criteria of a user request (201). In case if CSS (140), information about which was transmitted user (software), fails, then the server (120) generates an appropriate notification about this, and searches for other CSS (140) that meet the criteria of the user request (201).

[0053] Using a user device (110), functionality can be provided for using a GNSS receiver (GPS / TJIOHACC / BeiDou, etc.) to clarify the coordinates of a user (110) and determine a US (130) that does not provide proper performance. The use of satellite navigation allows you to implement a functional that provides the construction of a route to the location point of the found CSS (140).

[0054] When transmitting information about the found US to the user's device (206), using the GUI application installed on the device (ON), a digital map can be displayed with the constructed route to the identified US (140) or an augmented image of the route over the real objects. Additionally, information of the following type can also be displayed: entrance to the premises of the DC installation, average waiting time in the queue, etc.

[0055] The average waiting time in the queue of the DC (140) is calculated, as a rule, based on statistical information about the number of clients for each of the DC (140). Statistical information is aggregated on a server (120) and comes from various sources, for example, from a payment financial system. Also, the type and frequency of transactional requests for each CSS (140) can be taken into account. Based on these data, the indicator of the number of customers and the average waiting time in the queue are calculated.

[0056] In FIG. Figure 3 shows an example of the display of CSS (141) - (145) on a digital map. The server (120) analyzes information about the current location of the user (110) and CSS (130), which is not suitable for the implementation of the required financial transaction of the user.

[0057] As mentioned above, when the algorithm of the method of selecting the US (200) is working, in the main scenario of its implementation, the selection of the US (140) containing the required functionality and which are located near the US (130) is performed. In the example of FIG. Figure 3 presents the CSS (143), which is the user (software) closest in the required functionality. As a result of the server’s search mechanism (120), the user (BUT) is sent information about the location of the unitary enterprise (143) and related information, in particular, the address or name of the location of the unitary unit (143) (store, bank branch, shopping center, etc.) , average waiting time in line.

[0058] In FIG. 4 presents an example in which the user enters clarifying information regarding the CSS. User (110) may indicate clarifying information, which should be taken into account when processing a user request on the server (120), for example, the name of the metro station, the name of the street, commercial premises (store, market, shopping center, etc.). Also, the user (software) can specify additional functionality provided by the CSS, along with the required function, which was not available in the CSS (130). Such functionality may be, for example, the presence of the required amount of DS for issuing, the function of receiving the DS, ensuring self-encryption, the presence of biometric authentication, closed premises, etc.

[0059] The algorithm of the search engine on the server (120), taking into account the additional information entered by the user (110), searches for a possible CSS (142) that meets the specified criteria. When analyzing several DCs in the location zone specified by the user (110), the ranking is based on the nearest DC.

[0060] When analyzing several CSS (140) that are possible to provide the user (110) with the required service based on processing his request, the server (120) polls the data of the CSS (140) for monitoring their technical condition. If the user (110) has already made a choice of one CS for receiving the service and the selected CS before the user (110) interacts with him, completely fails, or one of the required functions of the CS loses its functionality, then the server (120 ) based on the technical monitoring data of the said CSS, will carry out a reprocessing of the user request for the search for other CSS.

[0061] In FIG. 5 shows an example of the operation of the user device (110) GUI when interacting with the US search system (140). As indicated above, the user (110) generates a request to search for the CSS (140) by sending the corresponding data to the server (120). The information transmitted to the server (120) includes at least the location of the US (130) by identifying information and the reason for the failure of its operation or the failure of one or more functions required to complete the transaction.

[0062] CSS (130) may further comprise a graphic identifier (131), for example, a QR code, a barcode, an RFID tag, an NFC tag, or another type of identifier that carries information about the CSS (130), and can be read using the means of a user device (110), for example, a camera, NFC modules, etc.

[0063] On the screen of the user device (110), a request is generated for sending to the server (120). The user indicates the reason for the failure of the US (130) and its address (1101), or only the reason for the failure and the reading of the identifier of the US (130) can be indicated. Further, the GUI provides the user (software) functionality for the selection of CSS (1102). As an example of implementation, the device’s GUI (software) can display a button to activate the corresponding search function (1102) or generate a GUI element for a different interaction principle, for example, using swipe movement, etc. Activation of the US search mode (140) using the server (120) begins when this function is activated.

[0064] A user request can be executed using a standard selection script without specifying information (1103), in this case, the nearest US (140) is searched for, which matches its functional requirements. If the user (110) wants to clarify his request or refuse to search for CSS (140), then he interacts with the corresponding interface element (1104). If you need to supplement the search query, the device’s GUI (software) can activate the form to fill it with the required qualifying information.

[0065] Information about the CSS (140) that are available for search can be stored in the database (DB) of the server (121). The database (121) can be located directly on the server (120), or can be located on a remote device connected to the server (120) via a communication network, for example, the Internet or Intranet.

[0066] When analyzing the availability of CSS (140) for selection based on a client request, the availability of each of CSS (140), which are selected using the server (120), can be additionally taken into account. The server (120) can store information about the maintenance schedule for each of the control units (140), which is taken into account when analyzing the options for selecting the control unit for the user (110). In this case, an algorithm for predicting the availability of the selected CSS can be used depending on the probability of performing technical work for such a CSS.

[0067] The server (120) also stores and updates information regarding the performance of various technical works with the operating system, for example, the type of breakdowns that have occurred, the planned work to fix them, the procedure and time for performing modifications or maintenance of the operating system, etc. This information can be transferred to the workplace of an employee of a bank or bank branch to inform customers about the availability of a particular asset.

[0068] In FIG. 6 is a perspective view of a computing device (300). Based on the device (300), a user device (software), a server (120), and other non-represented devices that can participate in the general information architecture (100) of the claimed solution can be implemented.

[0069] In general, a computing device (300) comprises one or more processors (301) connected by a common information bus (301), means memory, such as RAM (302) and ROM (303), input / output interfaces (304), input / output devices (305), and a device for network communication (306).

[0070] A processor (301) (or multiple processors, a multi-core processor) can be selected from a variety of currently widely used devices, for example, Intel ™, AMD ™, Apple ™, Samsung Exynos ™, MediaTEK ™, Qualcomm Snapdragon ™, and etc.

[0071] RAM (302) is a random access memory and is intended to store machine-readable instructions executed by the processor (301) to perform the necessary operations for logical data processing. RAM (302), as a rule, contains executable instructions of the operating system and corresponding software components (applications, program modules, etc.).

[0072] The ROM (303) is one or more permanent storage devices, for example, a hard disk drive (HDD), a solid state drive (SSD), flash memory (EEPROM, NAND, etc.), optical storage media ( CD-R / RW, DVD-R / RW, BlueRay Disc, MD), etc.

[0073] Various types of I / O interfaces (304) are used to organize the operation of the components of the device (300) and organize the operation of external connected devices. The choice of appropriate interfaces depends on the particular computing device, which can be, but not limited to: PCI, AGP, PS / 2, IrDa, FireWire, LPT, COM, SATA, IDE, Lightning, USB (2.0, 3.0, 3.1, micro, mini, type C), TRS / Audio jack (2.5, 3.5, 6.35), HDMI, DVI, VGA, Display Port, RJ45, RS232, etc.

[0074] Various means (305) of I / O information, such as a keyboard, a display (monitor), a touch screen, a touch pad, a joystick, a mouse, a light pen, a stylus, are used to provide user interaction with a computing device (300), touch panel, trackball, speakers, microphone, augmented reality, optical sensors, tablet, light indicators, projector, camera, biometric identification tools (retina scanner, fingerprint scanner, voice recognition module), etc.

[0075] The network interaction tool (306) provides data transfer by the device (300) via an internal or external computer network, for example, an Intranet, the Internet, a LAN, and the like. As one or more means (306), it can be used, but not limited to: Ethernet card, GSM modem, GPRS modem, LTE modem, 5G modem, satellite communications module, NFC module, Bluetooth and / or BLE module, Wi-Fi module and other [0076] Additionally, satellite navigation means as part of the device (300), for example, GPS, GLONASS, BeiDou, Galileo, can also be used.

[0077] The submitted application materials disclose preferred examples of the implementation of the technical solution and should not be construed as limiting other, particular examples of its implementation, not going beyond the scope of the requested legal protection, which are obvious to specialists in the relevant field of technology.

Claims

FORMULA

1. A method of searching for a self-service device (CSS), comprising the steps of:

- transmit said request to the server;

2. The method according to claim 1, characterized in that the information identifying the CA is an identifier of the CA and / or the address of the installation site of the CSS.

3. The method according to claim 2, characterized in that the identifier of the CA is encrypted in a QR code posted on the CA.

4. The method according to claim 1, characterized in that the server performs a search for the nearest DC in a given area of removal from the DC, the coordinates of which were obtained in a user request.

5. The method according to claim 1, characterized in that the route to the selected CSS is displayed using the graphical interface of the user device.

6. The method according to claim 1, characterized in that it additionally transmit location information in a user request for search in its area of the CSS.

7. The method according to claim 6, characterized in that the information is selected from the group: name of the metro station, street address, name of the shopping facility or a combination thereof.

8. The method according to claim 1, characterized in that when searching on the CSS server, an additional indicator of client flow for each of the CSS is determined.

9. The method according to claim 8, characterized in that, based on the client flow, a parameter of the average waiting time in the queue is determined.

10. The method according to claim 1, characterized in that the user request further comprises data on at least one additional CSS function.

11. The method according to claim 1, characterized in that it further fixes the user choice CSS.

12. The method according to claim 11, characterized in that periodically, using the server, the CS is polled for the operability of at least a function for performing a user transaction directed in a user request.

13. The method according to p. 12, characterized in that in the event of a malfunction of the CSS function necessary to complete the transaction, a notification is sent to the user.

14. The method according to item 13, characterized in that they automatically search for the nearest CSS containing the function necessary to complete the transaction, and transmit information to the user's device.

15. The search system of a self-service device (CSS), comprising a user device and a server in which

user device provides

- transfer of the aforementioned request to the server; server provides

- transmitting location information of at least one found CSS to a user device.

16. The system of clause 15, characterized in that the user's device is a smartphone, laptop, tablet, gaming portable console or wearable smart device.

17. The system according to clause 15, characterized in that the user device when receiving information from the server displays the route to the CSS.

18. The system according to clause 15, characterized in that the server periodically polls the DC for the operability of at least the function to perform a user transaction directed in a user request.

19. The system according to p. 18, characterized in that the server, in the event of a malfunction of the function of the CSS necessary to complete the transaction, send a notification to the user on his device.

20. The method according to claim 19, characterized in that the server automatically searches for the nearest DC containing the function necessary to complete the transaction, and transmit information to the user device.