WO2015069132A1 - Dispositif de distribution et de réception d'espèces, et procédé de mise en oeuvre - Google Patents

Dispositif de distribution et de réception d'espèces, et procédé de mise en oeuvre Download PDF

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Publication number
WO2015069132A1
WO2015069132A1 PCT/RU2013/001000 RU2013001000W WO2015069132A1 WO 2015069132 A1 WO2015069132 A1 WO 2015069132A1 RU 2013001000 W RU2013001000 W RU 2013001000W WO 2015069132 A1 WO2015069132 A1 WO 2015069132A1
Authority
WO
WIPO (PCT)
Prior art keywords
mobile device
issuing
terminal
cash
atm
Prior art date
Application number
PCT/RU2013/001000
Other languages
English (en)
Russian (ru)
Inventor
Андрей Юрьевич ЩЕРБАКОВ
Олег Олегович ТИХОНЕНКО
Original Assignee
Андрей Юрьевич ЩЕРБАКОВ
Олег Олегович ТИХОНЕНКО
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 Андрей Юрьевич ЩЕРБАКОВ, Олег Олегович ТИХОНЕНКО filed Critical Андрей Юрьевич ЩЕРБАКОВ
Priority to PCT/RU2013/001000 priority Critical patent/WO2015069132A1/fr
Publication of WO2015069132A1 publication Critical patent/WO2015069132A1/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs

Definitions

  • the invention relates to the field of financial informatics, and more specifically to a modified ATM, a terminal for issuing or receiving cash, a vending machine, and a method for using them.
  • the present invention may find application in the creation and
  • microloans using payment instruments alternative to plastic cards, the most convenient of which is a mobile phone or other mobile device owned by the client.
  • the proposed innovative technological scenario is primarily associated with the issuance of cash at an ATM or terminal.
  • An important property is that, if the proposed method is implemented, the ATM or terminal may lack external display means and a keyboard, which can greatly enhance the protective properties of the design of the ATM or terminal, eliminate hacking or other unauthorized influences, and simplify its design.
  • the variety of client authentication tools and the possibility of personifying it for example, choosing a more convenient familiar interface for managing an ATM and a communication language), as well as the ability to choose another payment tool instead of a plastic card or the ability to withdraw funds directly from an account, significantly increase the convenience and attractiveness such an ATM for the user.
  • the prototype of this system is a standard ATM.
  • the safe part of an ATM consists directly of the safe itself, a combination lock (they can be mechanical and electronic), a dispenser (money dispenser) located inside the safe. Dispensers are distinguished depending on the principle of work with the bill, the mechanism for issuing and the number of cassettes.
  • NCR ATMs use special suction cups to extract notes from the cassette, while Wincor Nixdorf and Diebold ATMs use rubber rollers with a special tread pattern for this purpose.
  • the most common dispensers with four cassettes there are other configurations with the number of cassettes from two to six. Up to three thousand bills are placed in the cassette, and the cassette can be customized for any bill, thanks to the presence of special guides in it, allowing you to adjust their height and width.
  • Information about the denomination and currency of the banknote is stored in a special flash card on the cartridge itself and is recorded there when using the cartridge for the first time at an ATM.
  • the ATM in accordance with the issuing algorithm, collects the required number of notes in the stacker (storage device), after which the entire amount is issued to the client. It should be noted that on the way of the bill from the cartridge to the client there are a large number of sensors that track the movement of the bill.
  • the main "filter” is the Double Detect sensor, which checks the following parameters: skew, the presence of sticky notes, curved edges, thickness.
  • the basis of the present invention is the creation of a method of obtaining cash and issuing loans using
  • the client s mobile device, which would allow receiving cash without a plastic card using the user's mobile device.
  • the proposed modified ATM terminal for issuing or receiving cash, a vending machine, and a method for using them.
  • a modified ATM a terminal for issuing and / or receiving cash, a vending machine, includes a wireless device or unit with a mobile device of a user performing operations with the listed devices and / or the control and service center for the listed devices.
  • a method of using a modified ATM, terminal for issuing and / or receiving cash, a vending machine is that the user's mobile device establishes a two-way wireless connection between him and the device or wireless unit that is part of these devices and / or a control and service center for of the listed devices, after which the program managing the listed devices is launched on the mobile device to run
  • a modified ATM, terminal for issuing and / or receiving cash, a vending machine.
  • the proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows not to use
  • plastic card when issuing cash and use other payment instruments, except for plastic cards, namely mobile
  • client device mobile phone, tablet
  • client device mobile phone, tablet
  • the present invention will be disclosed in the following description of a system for dispensing cash and performing financial operations, shown in figure 1, containing a financial institution 1, wishing to give the client 4 cash or credit, or to perform the financial transaction requested by the client, the control and service center, containing a program store for execution on the user's mobile device 2, mobile device 3 of client 4, a program for execution on a mobile device of user 5, downloaded from storage 2 to mobile device 3, a modified self-service device, which is provided It includes an ATM, a terminal for issuing and / or receiving cash, a vending machine, characterized in that a wireless data input device (unit 6), a control unit 7, a cash withdrawal device 8 are supplemented with a standard terminal, an ATM or other self-service device 9.
  • the method of using a modified ATM, terminal for issuing and / or receiving cash, a vending machine (block 6) is that the mobile device of user 3 establishes a two-way wireless connection between it and the device or wireless unit included in the listed devices and / or a control and service center for the listed devices 2, after which a program 5 is launched on the mobile device to manage the listed devices
  • Figure 1 shows how cash is dispensed at an ATM or terminal.
  • An important property is that the ATM or terminal, if the proposed method is implemented, may not have external display means and a keyboard, which can greatly enhance the protective properties of the design of the ATM or terminal, exclude hacking or other
  • the owner of the mobile device When approaching the ATM, the owner of the mobile device enters the zone of wireless connection with the executive device of the ATM or terminal via Bluetooth or Wi-Fi, after which, as a rule, at the initiative of the ATM or terminal, a two-way wireless connection is established between the tablet or smartphone of the owner and the executive device of the ATM or terminal, after which the program that runs on the mobile device
  • the estimated economic effect of such a decision will be at least 30-40 percent of the cost of the ATM, in addition, the security of payment transactions is fundamentally increased, the interfaces are personified and centralized management becomes possible
  • the proposed method and the system implementing it, described above, solve the objectives of the invention formulated above, is characterized by fundamental novelty and allows not to use a plastic card when issuing cash and to use other payment instruments, except plastic cards, namely, the client’s mobile device (mobile phone, tablet), as well as improving the security of cash withdrawals and financial transactions.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention se rapporte au domaine de l'informatique financière, et concerne notamment un distributeur de billets modifié, un terminal de distribution et de réception d'espèces, un automate de commerce et un procédé d'utilisation de ces derniers. L'invention peut être utilisée dans la création et l'exploitation de systèmes assurant la distribution d'espèces et la réalisation d'opérations financières sans espèces, y compris sans utiliser de cartes plastiques standards, en utilisant le dispositif mobile d'un utilisateur. Ce procédé se caractérise par sa nouveauté principale et permet de ne pas utiliser de carte plastique lors de la distribution d'espèces, et d'utiliser d'autres moyens de paiement que les cartes plastiques, notamment un dispositif mobile de client (téléphone mobile, tablette) ainsi que d'augmenter la sécurité de distribution d'espèces et d'exécuter des opérations financières.
PCT/RU2013/001000 2013-11-11 2013-11-11 Dispositif de distribution et de réception d'espèces, et procédé de mise en oeuvre WO2015069132A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/001000 WO2015069132A1 (fr) 2013-11-11 2013-11-11 Dispositif de distribution et de réception d'espèces, et procédé de mise en oeuvre

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/001000 WO2015069132A1 (fr) 2013-11-11 2013-11-11 Dispositif de distribution et de réception d'espèces, et procédé de mise en oeuvre

Publications (1)

Publication Number Publication Date
WO2015069132A1 true WO2015069132A1 (fr) 2015-05-14

Family

ID=53041795

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2013/001000 WO2015069132A1 (fr) 2013-11-11 2013-11-11 Dispositif de distribution et de réception d'espèces, et procédé de mise en oeuvre

Country Status (1)

Country Link
WO (1) WO2015069132A1 (fr)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8540142B1 (en) * 2005-12-20 2013-09-24 Diebold Self-Service Systems Banking machine controlled responsive to data read from data bearing records
US20130264384A1 (en) * 2012-04-05 2013-10-10 Bank Of America Automatic teller machine ("atm") including a user-accessible usb port

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8540142B1 (en) * 2005-12-20 2013-09-24 Diebold Self-Service Systems Banking machine controlled responsive to data read from data bearing records
US20130264384A1 (en) * 2012-04-05 2013-10-10 Bank Of America Automatic teller machine ("atm") including a user-accessible usb port

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