WO2022114988A1

WO2022114988A1 - Method and system for the return of funds by a self-service machine

Info

Publication number: WO2022114988A1
Application number: PCT/RU2020/000700
Authority: WO
Inventors: Ярослав Игоревич ДЕНИСОВ; Артем Викторович ДОНЦЕВ
Original assignee: Публичное Акционерное Общество "Сбербанк России"
Priority date: 2020-11-27
Filing date: 2020-12-16
Publication date: 2022-06-02

Abstract

The claimed invention relates to the field of computer engineering. The technical result is that of providing for the automated return to a user's account of funds left in a self-service machine. A method for the automated return of funds to a user account by a self-service machine (SSM) includes: receiving a request for execution of a transaction for the dispensing of funds; sending transaction data to a server to obtain permission for the dispensing of funds; receiving the transaction data, verifying the availability of funds on the account, and sending permission for the dispensing of funds; delivering the requested amount to a dispensing slot; returning funds remaining in the slot to a cancellation cartridge, and counting and verifying said funds; sending to the server a message containing data about the aborted transaction; processing the received message, which consists in: searching the server for data about the aborted transaction; comparing the data from the received message with the transaction data saved on the server; analyzing the amount of funds returned to the cancellation cartridge; and crediting the amount of funds found in the cancellation cartridge to the user's account.

Description

METHOD AND SYSTEM FOR REFUNDING MONEY BY SELF-SERVICE DEVICE

FIELD OF TECHNOLOGY

[0001] The claimed technical solution generally relates to the field of computer technology, and in particular, to an automated method and system for returning funds from a self-service device to a user's account.

BACKGROUND OF THE INVENTION

[0002] The prior art solution JPH08335283A “Forgotten cash returning method”, patent holder: OKI ELECTRIC IND CO LTD, published: 12/17/1996. This solution describes a way to return money to a user that is forgotten in a self-service device. If the user forgets to withdraw cash from the self-service machine, the money is dropped into the reset cassette and recounted. When the user claims that cash is left, the operator displays the amount of the forgotten cash on the screen of the self-service device. After that, the user inserts the card into the self-service device, enters the password, and then the forgotten amount of money is returned to the user's card.

[0003] The prior art solution is JP2002117429A “Alarm system for forgetting to take cash in atm”, patent holder: HITACHI DENSHI SERVICE KK, published: 04/19/2002. This solution describes a system for reminding about forgotten funds in a self-service device. The system signals that the funds are forgotten by the user in the self-service device. The system includes a function for detecting that a user has left the ATM, a function for detecting that cash, a card, or banknotes have been forgotten, and a function for notifying the user that there is an item left behind.

[0004] The disadvantage of the known solutions in this field of technology is the lack of the possibility of an automated and secure return of forgotten funds in the self-service device to the user's account. DISCLOSURE OF THE INVENTION

[0005] The technical problem solved with the help of the claimed technical solution is to create an effective automated method for returning forgotten funds in the self-service device to the user's account.

[0006] The technical result achieved by solving this problem is to provide an automated return of funds to the user's account left in the self-service device.

[0007] An additional technical result achieved by solving this problem is to reduce the processing time of the operation to return funds to the user's account left in the self-service device.

[0008] These technical results are achieved through the implementation of a method for the automated return of funds by a self-service device (CS) to the user's account, including the steps at which:

- receive in the channel device self-service (SS) user request to perform a transaction for the issuance of funds (DS), containing at least the parameters of the transaction;

- send with the help of the RS the transaction data to the server to obtain permission to issue the DS;

- receive transaction data using the server, check the availability of the DS on the user's account, reserve the requested amount, save the transaction data and send permission for issuance to the RS; delivering, by means of the CA, the requested amount to the dispensing tray, and starting the countdown of the tray closing timer;

- after the expiration of the timer, they return with the help of the RS the remaining DS in the tray to the cassette for reset, count and check the DS;

- send with the help of the RS a message to the server with data about the failed transaction;

- use the server to process the received message as a result of which:

• search for data about the failed transaction on the server; • comparing the data from the received message about the failed transaction in the RS channel with the data about the transaction stored on the server;

• analyzing the amount of DS returned to the discard cassette during the transaction; and

• enroll the amount of DS received in the cassette for reset to the user's account.

[0009] In one of the private embodiments of the method, when generating a user request, the user of the RS is verified.

[0010] In another particular embodiment of the method, verification is performed using a PIN code, biometric information, graphic information, or a remote user device, or a combination thereof.

[OOP] In another particular embodiment of the method, the biometric information is a fingerprint, a retinal image, voice data, or combinations thereof.

[0012] In another particular embodiment of the method, the graphic image is a photograph of the user.

[0013] In another particular embodiment of the method, the transaction data is a currency code, a denomination of a currency unit, a requested amount of US currency units, or banknote grouping data.

[0014] In addition, the claimed technical result is achieved due to the system of automatic refund of funds by a self-service device, containing the RS and the remote server associated with it, and the RS is configured to:

- receive in its channel a user request to execute a transaction for issuing funds (DS), containing at least the parameters of the transaction; send transaction data to the server to obtain issuance permission

DS; deliver the requested amount to the dispensing tray and start the countdown of the tray closing timer; upon expiration of the timer, return the remaining DS in the tray to the cassette for reset, count and check the DS;

- send a message to the server with data about the failed transaction;

• the remote server is configured to: receive data on the transaction, check the availability of DS on the user's account, reserve the requested amount, save the transaction data and send permission to issue to the RS; to process the received message; search for data about a failed transaction on the server; compare the data from the received message about the failed transaction in the RS channel with the transaction data stored on the server; analyze the amount of DS returned to the cassette for flushing during the transaction; and credit the amount of DS received in the cassette for reset to the user's account.

[0015] In one of the particular implementations of the system, when generating a user request, the user of the RS is verified.

[0016] In one particular implementation of the system, the RS is an ATM or terminal.

[0017] In one of the private implementations of the system, the CD is connected to a remote server via a wired or wireless computer network.

[0018] In one particular implementation of the system, the wired network is a LAN (LAN), WAN, PAN, or Intranet.

[0019] In one particular implementation of the system, the wireless network is a WAN, Internet, WLAN, WMAN, or GSM.

[0020] In one particular implementation of the system, the remote server is a cloud server.

[0021] In one of the private implementations of the system, the RS contains means for verifying the user. [0022] In one of the particular implementations of the system, the RS verification tools are selected from the group: PIN pad, touch screen, camera, biometric scanner, microphone, or combinations thereof.

BRIEF DESCRIPTION OF THE DRAWINGS [0023] The features and advantages of the present technical solution will become apparent from the following detailed description and the accompanying drawings.

[0024] FIG. 1 illustrates a block diagram of the claimed method.

[0025] FIG. 2 illustrates an example of a data exchange system between the RS and a remote server. [0026] FIG. 3 illustrates an example of a CA circuit.

[0027] FIG. 4 illustrates an example diagram of a remote server.

IMPLEMENTATION OF THE INVENTION

[0028] In the present description, the following terms and definitions will be used. [0029] This technical solution can be implemented on a computer, in the form of an automated information system (AIS) or a machine-readable medium containing instructions for performing the above method.

[0030] The technical solution can be implemented as a distributed computer system. [0031] In this decision, a system refers to a computer system

Computer (electronic computer), CNC (computer numerical control), PLC (programmable logic controller), computerized control systems and any other devices capable of performing a given, clearly defined sequence of computational operations (actions, instructions). [0032] A command processing device means an electronic unit or an integrated circuit (microprocessor) that executes machine instructions (programs)/

[0033] An instruction processing device reads and executes machine instructions (programs) from one or more data storage devices, such as devices such as random access memory (RAM) and/or read only memory. device (ROM). ROM can be, but not limited to, hard disk drives (HDD), flash memory, solid state drives (SSD), optical storage media (CD, DVD, BD, MD, etc.), etc.

[0034] A program is a sequence of instructions intended to be executed by a computer control device or command processing device.

[0035] TSN (Transaction Serial Number) is the number of the last successfully completed transaction.

[0036] NDC protocol (NCR Direct Protocol) is a data exchange protocol between the CA and the transaction processing server.

[0037] Cash (CS) - a specific product with the highest liquidity, serving as a measure of the cost of other goods and services.

[0038] Self-service banking device (CS) - a software and hardware complex designed for automated issuance and / or acceptance of cash DS both using payment cards and without, as well as performing other operations, including payment for goods and services, compiling documents confirming the relevant transactions. Self-service banking devices are divided into two types depending on whether they support the cash dispensing function or not. If the function is supported, then the RS is an ATM (english automated teller machine), or an ATM, otherwise it is an NCS (non-cash systems), or a terminal for non-cash transactions.

[0039] In FIG. 1 shows the main stages of the claimed method for the automated return of funds by a self-service device (SS) to the user's account (100).

[0040] At step (101), a user request is received in the channel of the self-service device (SS) to perform a transaction for the issuance of funds (DS), containing at least the parameters of the transaction. The request contains, as a rule, the identifier of the DS write-off account, the amount of DS, the start time of the request to perform the operation. The request also contains a transactional request identifier (TrID). b [0041] The request may additionally contain a CC identifier (Logical Unit Number), data from the map tracks, data about previous transactions, data from sum buffers, a pin block, and function keystrokes (FDK buffer).

[0042] The value of TrN is unique for each transactional request (the value of TrID is updated with each transition to the transactional state in the CA scenario). If a normal transactional request is received in a new format, the TrID field of the request is not empty, its value is stored in the remote server database as part of the transactional data of the operations being performed.

[0043] In all transactional requests, the field "TrW" is added, for example, with the identifier "3", consisting of 12 characters.

[0044] For the initial request, these fields are formed as follows: YMMDDHHMMMMHHH (where Y 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 value of Accumulated Transaction Count, which ensures the uniqueness of the TriID value for a given RS). The Accumulated Transaction Count value defines the total number of detected attempts to execute transactions since the CA was installed or after the CA non-volatile memory is completely occupied. The counter resets to 0 after 9999999 transactions.

[0045] For a re-request, the value of the "TrSh" field must repeat the value generated at the time of the initial request.

[0046] At each moment in time, the RS is in one of the following modes of operation:

Power Up - loading;

Offline - no connection with the server, connection is in progress;

Supervisor - a collector or service engineer works;

Out of service - RS does not work due to a malfunction, depletion of funds, or forced transfer of the RS to the specified mode;

In service - the main operating mode of the US. In the In service mode, the RS is in one of the states (state), with a number from 001 to 999, and a 25-character description string.

[0047] The first character of this string is the state type (denoted by the letters A..Z, as well as a..z and some characters (,'.?)) that defines the collection. The rest 24 symbols are 8 decimal 3-digit numbers, each of which is a specific state setting (screen number to display, conditions for switching to the state, list of actions). There can be any number of states of the same type.

[0048] Going through all these states, sooner or later they reach the state of interaction with the remote server - state I (Transaction Request State). On this state, a request is formed from the data collected on previous states and sent to the server. The data is separated by a delimiter character. The remote server receives the request and analyzes the FDK buffer - it is by the contents of this buffer that the remote server determines the necessary operations, the execution of which requests the RS. Then, depending on the decision made, it sends a response containing:

~ identifier of the action to be performed;

~ screen number to be shown during this action;

~ the contents of the check, if the check needs to be printed;

~ The state to go to when the action completes.

[0049] Next, at step (102), the transaction data is sent using the CA to the server to obtain permission to issue the DS. At this stage, a message is formed and sent with the help of the RS - a request for cash withdrawal to the server in order to obtain permission to issue the DS. The transaction data contains the user's card number, the currency denomination, the requested DS amount. To obtain permission to issue DS, the user must have the requested amount of DS in his account.

[0050] Next, at step (103), the transaction data is received by the server, the availability of the DS on the user's account is checked, the requested amount is reserved, the transaction data is stored, and the issuance authorization is sent to the RS. At this stage, the processing system analyzes the received transaction data, checks the card number and the user's account number, determines the availability of the DS on the user's account, reserves this amount, saves the transaction data and sends a command to the RS with permission to issue the DS.

[0051] In step (104), the CR delivers the requested amount to the dispense tray and starts the tray close timer countdown. At this stage, the required amount is collected, the requested amount is delivered using the RS to the dispensing tray (the tray is a special “pocket” with a closed curtain) and the countdown of the tray closing timer is started. On the user's screen display a countdown timer for the withdrawal of presented DS (the timer is used to limit the possibility of withdrawal of funds by third parties in case the user does not demand the submitted DS).

[0052] At step (105), upon expiration of the timer, the remaining DS in the tray are returned to the discard cassette with the help of the DS, the DS are counted and checked. At this stage, after the timer expires, the DS remaining in the tray (unclaimed by the user) are counted and checked using a banknote validator - the count is carried out by denominations and their number and is returned using the RS to the reset cassette, which is a separate cassette for banknotes, not intended for further release.

[0053] At step (106), a message is sent using the RS to the server with data about the failed transaction. The RS, for which the corresponding setting is set in the software, generates and transmits this message with information about the failed transaction, containing: the user's card number, the number and denomination of banknotes returned to the RS, the device number, the start time of the request to perform the operation, etc. d.

[0054] At step (107), the received message is processed by the server and the message is stored in the server database. The amount is determined by the processing system based on the data from the message: the number of banknotes and their denomination of the specified currency.

[0055] Next, at step (108), search for data about the failed transaction on the server is performed. The search is carried out by TriID - device number.

[0056] In step (109), the data from the received failed transaction message in the CM channel is compared with the transaction data stored on the server. The comparison is made by device number, card number, transaction amount.

[0057] At step (110), the amount of DS returned to the cassette for discarding during the transaction is analyzed. The amount is formed from the data on the breakdown of the captured banknotes and their currency.

[0058] Upon receipt of a message, the processing system processes it and also checks the data contained in the message.

[0059] A search is made for the issuance transaction for which the unclaimed DS was captured and the said message was generated. Performed matching the message with the original associated cash withdrawal transaction of the DS, by parsing the transaction number from this message, which must match the number received from the RS.

[0060] Next, the time elapsed from the moment of processing the operation of issuing a DS to the moment the message was received is analyzed and compared with the time window (timeout) set for processing the message.

[0061] The processing system provides the ability to set the value of the above timeout. The timeout is counted from the start of processing of the previous associated transaction. The processing of data from the message is carried out in several stages: the completeness of the information transmitted in the message is checked to ensure that: for each denomination there is a currency code and the number of banknotes, there is no information on the captured banknotes without indicating the denomination, the data format corresponds to the required format, in all transmitted values denominations and number of banknotes, there are no non-numeric characters.

[0062] If all of the above checks are successful, then the conversion and analysis of currencies is carried out.

[0063] If at least one of the checks fails, then the sum is not calculated, the message is ignored, message processing is completed. (Reversal is not formed).

[0064] The currency code values from the message are checked to see if the transmitted currency codes match the currency of the original transaction.

[0065] If the check is successful, then the sum is calculated

[0066] If the check fails, then: the sum is not calculated, the message is ignored, message processing ends. (Reversal is not formed).

[0067] The amount of captured DR CAs is calculated as the total sum of all amounts for each denomination of notes transferred in the block (number of notes * denomination of the specified currency) and this value is compared with the amount of the original cash withdrawal transaction.

[0068] Depending on the results of the comparison, the actions provided for one of the options 1,2,3 are carried out (see Table 1 below). Table 1 Options for processing the amount transferred in the block

[0069] At step (111), the amount of DS received in the cassette for reset is credited to the user's account. Following the completion of the above stages, the server determines the amount of the return of the DS and credits it back to the user's account.

[0070] As shown in FIG. 2, the general principle of operation of the claimed method (100) is carried out using a transaction execution system, which is implemented by processing user requests generated in the RS channel (300) and their subsequent transmission over a computer network (500) to a remote server (400).

[0071] The network (500) may be of a wired or wireless type, such as the Internet, Intranet, LAN, WAN, WLAN, GSM, GPRS, Wi-Fi, and the like.

[0072] In FIG. 3 shows the general scheme of the RS (300) in the form of an ATM or payment terminal. CD (300) contains components combined with the help of a universal bus (310), such as: processor (301), memory (302), network interaction tool (303), display (304), controls (305), means of issuing DS ( 306) (in the case of an ATM), a means of receiving DS (307).

[0073] The CD processor (301) performs all necessary computational operations when processing transactional requests. The memory (302) may represent one or more different types of devices such as RAM, ROM, or combinations thereof. HDD, SSD disks, flash memory, etc. can be used as ROM. The memory (302) typically stores the program logic executable by the processor (301) necessary for implementation of the method of operation of the US (300), and the operating system that organizes the interaction interface and data processing protocols.

[0074] As means of network interaction (303), devices can be used that provide communication with a remote server using a wired or wireless type of communication, for example, an Ethernet card (LAN), a Wi-Fi module, a GSM modem (2G, 3G, 4G, 5G), etc. Additionally, means of data exchange between the SS (300) and the user (user device) can be used, for example, a Bluetooth transceiver, an NFC module, irDa, etc.

[0075] The US display (304) serves to display a graphical user interface, and when it is executed in the form of a touch display, it also provides interaction with the user and receiving control commands from him.

[0076] Controls of the US (305) can be a keyboard, touch screen, pin pad, mechanical and touch buttons.

[0077] The DS dispenser (306) is a dispenser. The dispenser (306) may be of various types, such as vacuum type, spray type, and the like.

[0078] Additionally, the CD (300) may include a means for receiving the DS (307) from the user.

[0079] Also, the CD (300) may contain a bank card reader, a camera, one or more biometric sensors, a microphone. These devices, both individually and in combination, can be used to identify and verify the user. The user can identify the start of a transactional request by presenting a bank card to a special RS reader (300) and entering a pin code using the keyboard (305) or touch screen (304).

[0080] Two-factor user verification can be applied using a camera or biometric sensors, for example, a fingerprint scanner, retina, or using analysis of the user's voice. The CA (300) can capture an image of the user with the help of a camera for subsequent processing and comparison with the reference identifying information of the account owner when initiating a transactional operation in the CA (300).

[0081] The CA (300) can also provide for the exchange of identification information in a completely contactless mode, using a pre-generated identification token using a user device, for example, a smartphone, tablet, or laptop, and its subsequent transmission over a wireless information exchange channel, for example, Bluetooth, Wi-Fi, NFC, RFID, etc., to the US (300) (as an example, this technology is disclosed in US 20110238573, US 20110066552).

[0082] To enhance the secure transaction mode in the SS channel (300), a retry counter can be used, which, upon reaching a predetermined threshold, will notify the user that a response from the server (400) has not yet been received and that information about the execution of the transaction request will be sent to the user upon completion.

[0083] The transfer of data to the user's device, for example, a smartphone or tablet, is carried out through standard means and methods, such as: SMS messages, PUSH notifications, e-mail letters, etc. The predetermined method of notifying the user is selected based on the identification information associated with the user's account, such as his phone number, card number, or biometric information.

[0084] In FIG. 4 is a general diagram of a remote server (400). The server (400) is designed to process requests for the execution of transactional requests for the return of the DS coming to the SS channel (300).

[0085] In general, the server (400) contains components such as: one or more processors (401), at least one memory (402), a storage medium (403), input/output interfaces (404), a network interactions (405).

[0086] The processor (401) of the server performs basic computing operations when it works with the CD (300). The processor (401) executes the necessary machine-readable instructions contained in the memory (402).

[0087] Memory (402), as a rule, is made in the form of RAM and contains the necessary logic for the operation of the operating system, the reversal mechanism and other program logic that provides the full functionality of the server (400).

[0088] The data storage means (403) may be in the form of HDD, SSD disks, raid array, flash memory, optical storage media (CD, DVD, MD, Blue-Ray disks), etc. Means (403) allow long-term storage of various types of information, for example, processing history of transactional requests (logs), user identifiers, etc. [0089] Interfaces (404) are standard means for connecting and working with a server (400), such as USB, RS232, RJ45, LPT, COM, HDMI, PS/2, Lightning, FireWire, etc.

[0090] The choice of interfaces (404) depends on the specific implementation of the server (400), which may be a personal computer, mainframe, server cluster, thin client, and the like.

[0091] Means of networking (405) are selected from devices that provide network reception and transmission of data, for example, an Ethernet card, WLAN / Wi-Fi module, Bluetooth module, BLE module, NFC module, IrDa, RFID module, GSM modem, etc. .P. With the help of the means (405), the organization of data exchange between the server (400) and the RS (300) is provided via a wired or wireless data transmission channel, for example, WAN, PAN, LAN (LAN), Intranet, Internet, WLAN, WMAN or GSM.

[0092] Additionally, the server (400) may contain data I/O means, for example, a keyboard, joystick, display (touchscreen), projector, touchpad, mouse, trackball, light pen, speakers, microphone, and the like.

[0093] 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 that do not go beyond the scope of the requested legal protection, which are obvious to specialists in the relevant field of technology.

Claims

FORMULA

1. A method for the automated return of funds by a self-service device (SS) to the user's account, including the steps at which:

- use the server to process the received message as a result of which:

• search for data about the failed transaction on the server;

• comparing the data from the received message about the failed transaction in the RS channel with the data about the transaction stored on the server;

2. The method according to claim 1, characterized in that when the user request is formed, the RS user is verified.

3. The method according to claim 2, characterized in that the verification is carried out using a PIN code, biometric information, graphic information or a remote device of the user, or a combination thereof.

4. The method according to claim 2, characterized in that the biometric information is a fingerprint, an image of the retina, voice data, or combinations thereof.

5. The method according to p. 2, characterized in that the graphic image is a photograph of the user.

6. The method according to claim 1, characterized in that the transaction data is a currency code, a denomination of a monetary unit, a requested amount of US of monetary units, or banknote grouping data.

7. A system for automatic refund of funds by a self-service device, comprising a RS and an associated remote server, wherein the RS is configured to: receive in its channel a user request to perform a transaction for issuing funds (DS), containing at least transaction parameters; send transaction data to the server to obtain permission to issue a DS; deliver the requested amount to the dispensing tray and start the countdown of the tray closing timer; upon expiration of the timer, return the remaining DS in the tray to the cassette for reset, count and check the DS; send a message to the server with data about the failed transaction;

• the remote server is configured to: receive data on the transaction, check the availability of DS on the user's account, reserve the requested amount, save the transaction data and send permission to issue to the RS;

- to process the received message; search for data about a failed transaction on the server; compare the data from the received message about the failed transaction in the RS channel with the transaction data stored on the server;

- analyze the amount of DS returned to the cassette for flushing during the transaction; and credit the amount of DS received in the cassette for reset to the user's account.

8. The system according to claim 7, characterized in that the RS is an ATM or terminal.

9. The system according to claim 7, characterized in that the CD is connected to a remote server via a wired or wireless computer network.

10. The system of claim. 7, characterized in that the wired network is a LAN (LAN), WAN, PAN or Intranet.

11. The system of claim. 7, characterized in that the wireless network is a WAN, Internet, WLAN, WMAN or GSM.

12. The system according to claim 7, characterized in that the remote server is a cloud server.

13. The system according to claim 7, characterized in that the RS contains user verification tools.

14. The system according to claim 7, characterized in that the RS verification means are selected from the group: PIN pad, touch screen, camera, biometric scanner, microphone, or combinations thereof.