RU2014140927A - METHOD FOR RECEIVING CASH AND CASH LOANS - Google Patents
METHOD FOR RECEIVING CASH AND CASH LOANS Download PDFInfo
- Publication number
- RU2014140927A RU2014140927A RU2014140927A RU2014140927A RU2014140927A RU 2014140927 A RU2014140927 A RU 2014140927A RU 2014140927 A RU2014140927 A RU 2014140927A RU 2014140927 A RU2014140927 A RU 2014140927A RU 2014140927 A RU2014140927 A RU 2014140927A
- Authority
- RU
- Russia
- Prior art keywords
- client
- code
- cash
- individual code
- data warehouse
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
1. Способ получения наличных денежных средств и выдачи кредитов, заключающийся в том, что финансово-кредитная организация, предполагающая выдать клиенту наличные денежные средства или кредит, вырабатывает и запоминает в хранилище данных индивидуальный код, связанный с клиентом и запрошенной им суммой кредита, после чего направляет клиенту указанный индивидуальный код на носителе печатной информации в виде почтового отправления, которое клиент предъявляет или вводит в устройстве самообслуживания или в пункте выдачи кредита, после чего предъявленный или введенный индивидуальный код сравнивается с выработанным и хранящимся в хранилище данных кодом и при их совпадении клиент получает наличные денежные средства, а в хранилище данных делают отметку о выдаче запрошенной суммы.2. Способ по п. 1, отличающийся тем, что индивидуальный код направляется клиенту в виде символа двумерного кода или штрих-кода на носителе печатной информации.3. Способ по п. 1, отличающийся тем, что дополнительно перед получением денежных средств проверяют личность клиента путем соотнесения фотоснимка его лица с фотографией в удостоверительном документе и выдачу денежных средств производят только при положительном результате этой поверки.4. Способ по п. 1, отличающийся тем, что почтовое отправление защищено от просмотра и вскрытия посторонними лицами.5. Способ по п. 1, отличающийся тем, что индивидуальный код, направленный клиенту, защищен криптографическим алгоритмом.1. The method of obtaining cash and issuing loans, which consists in the fact that the financial and credit organization, which intends to give cash or credit to the client, generates and stores in the data warehouse an individual code associated with the client and the loan amount requested by him, after which sends the specified individual code to the client on the print medium in the form of mail, which the client presents or enters in the self-service device or at the loan issuing center, after which the presented or entered individual code is compared with the code developed and stored in the data warehouse, and if they match, the client receives cash, and a note is made in the data warehouse on the issue of the requested amount. 2. The method according to claim 1, characterized in that the individual code is sent to the client in the form of a two-dimensional code symbol or a bar code on a print medium. The method according to claim 1, characterized in that in addition to receiving the money, the client’s identity is checked by correlating the photograph of his face with the photograph in the identification document and the issuance of money is carried out only with a positive result of this verification. The method according to claim 1, characterized in that the postal item is protected from being viewed and opened by unauthorized persons. The method according to claim 1, characterized in that the individual code sent to the client is protected by a cryptographic algorithm.
Claims (5)
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2013/000379 WO2014182188A1 (en) | 2013-05-06 | 2013-05-06 | Method for obtaining cash and loans |
Publications (1)
Publication Number | Publication Date |
---|---|
RU2014140927A true RU2014140927A (en) | 2016-04-27 |
Family
ID=51867549
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2014140927A RU2014140927A (en) | 2013-05-06 | 2013-05-06 | METHOD FOR RECEIVING CASH AND CASH LOANS |
Country Status (2)
Country | Link |
---|---|
RU (1) | RU2014140927A (en) |
WO (1) | WO2014182188A1 (en) |
Family Cites Families (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
MXPA03008141A (en) * | 2001-03-19 | 2003-12-12 | Diebold Inc | Automated banking machine processing system and method. |
ITRM20030311A1 (en) * | 2003-06-23 | 2004-12-24 | Piero Protti | METHOD FOR AUTHORIZATION OF PAYMENT DELEGATIONS, |
-
2013
- 2013-05-06 RU RU2014140927A patent/RU2014140927A/en not_active Application Discontinuation
- 2013-05-06 WO PCT/RU2013/000379 patent/WO2014182188A1/en active Application Filing
Also Published As
Publication number | Publication date |
---|---|
WO2014182188A1 (en) | 2014-11-13 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
FA93 | Acknowledgement of application withdrawn (no request for examination) |
Effective date: 20160510 |