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WO2014175760A1 - Procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile - Google Patents

Procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile Download PDF

Info

Publication number
WO2014175760A1
WO2014175760A1 PCT/RU2013/000352 RU2013000352W WO2014175760A1 WO 2014175760 A1 WO2014175760 A1 WO 2014175760A1 RU 2013000352 W RU2013000352 W RU 2013000352W WO 2014175760 A1 WO2014175760 A1 WO 2014175760A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
cash
mobile device
issuing
individual code
Prior art date
Application number
PCT/RU2013/000352
Other languages
English (en)
Russian (ru)
Inventor
Андрей Юрьевич ЩЕРБАКОВ
Олег Олегович ТИХОНЕНКО
Original Assignee
Scherbakov Andrei Yuryevich
Tikhonenko Oleg Olegovich
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 Scherbakov Andrei Yuryevich, Tikhonenko Oleg Olegovich filed Critical Scherbakov Andrei Yuryevich
Priority to PCT/RU2013/000352 priority Critical patent/WO2014175760A1/fr
Publication of WO2014175760A1 publication Critical patent/WO2014175760A1/fr

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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention relates to the field of financial informatics, and more specifically to a method for obtaining cash and issuing loans using a user's mobile device.
  • the present invention may find application in the creation and
  • microloans using alternative payment cards to plastic cards the most convenient of which is a mobile phone
  • the prototype of this system is a standard ATM.
  • Any ATM consists of two parts: the upper (engineering) and the lower (safe).
  • the engineering part there is a computer with an operating system installed on it and application software that controls the operation of the ATM.
  • application software In the same part is a card reader
  • 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 bill does not pass the selection, it falls into a special divert-cassette, which is the repository of rejected bills. If the bill got stuck in the transport path, or any device involved in the payment of money is malfunctioning, the ATM stops working and issues a corresponding error message.
  • the basis of the present invention is the creation of a method of obtaining cash and issuing loans using
  • a financial and credit organization that wants to give cash to a user or a loan generates and stores in the data warehouse an individual code associated with the user and the requested loan amount, then sends the specified individual code to the user on the mobile device, which the user presents or enters in the self-service device or at the point of loan issuance, after which the presented or entered individual code is verified with the worked out and stored in the data store with a code and if it matches, the user receives cash, and in the data store make a note about the issuance of the requested amount.
  • 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, a user's mobile device (mobile phone, tablet), as well as to increase the security of cash withdrawals by forming
  • the system works as follows - a financial and credit organization 1 that wants to give cash 4 to a user or a loan generates and stores an individual code 2 in the data warehouse,
  • the user sends the specified individual code to the user 4 on the mobile device 3, which is displayed by the user in the form of information 5 and which the user presents or enters in the self-service device or at the point of loan issuance 6, after which the presented or the entered individual code is verified in block 7 with the code 2 generated and stored in the data warehouse and, if it is the same, the user receives cash 9 through the device 8, and in the storage lische data annotation 10 to grant amount requested.
  • Mark 10 serves to make it impossible to receive cash using the same individual code.
  • Block 7 can be made in the form of a manual comparison by the operator
  • the block 8 of the issuance of money can be a manual cash register, from where cash is issued by the operator or cashier manually.
  • the proposed method and the system implementing it described above solve the problems of the invention formulated above, are characterized by fundamental novelty and allow not to use a plastic card to issue cash and use other payment instruments, except plastic cards, namely, a user's mobile device (mobile phone, tablet), as well as increase the security of cash withdrawals by creating an individual code.

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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

L'invention se rapporte au domaine de l'informatique financière, et concerne plus précisément un procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile. L'invention peut être utilisée pour la création et l'exploitation de systèmes assurant la distribution d'espèces, y compris sans utiliser de cartes plastiques standards. Ce procédé permet de réaliser les tâches susmentionnées et se caractérise en ce que, en termes d'inventivité principale, il permet de ne pas utiliser de carte plastique lors de la distribution d'espèces, d'utiliser d'autres moyens de paiement que les cartes plastiques, notamment un dispositif d'utilisateur mobile (téléphone mobile, tablette), et d'améliorer la sécurité lors de la distribution d'espèces grâce à la génération d'un code individuel.
PCT/RU2013/000352 2013-04-23 2013-04-23 Procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile WO2014175760A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/000352 WO2014175760A1 (fr) 2013-04-23 2013-04-23 Procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/000352 WO2014175760A1 (fr) 2013-04-23 2013-04-23 Procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile

Publications (1)

Publication Number Publication Date
WO2014175760A1 true WO2014175760A1 (fr) 2014-10-30

Family

ID=51792189

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2013/000352 WO2014175760A1 (fr) 2013-04-23 2013-04-23 Procédé d'obtention d'espèces et de distribution de crédits à l'aide d'un dispositif d'utilisateur mobile

Country Status (1)

Country Link
WO (1) WO2014175760A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112133044A (zh) * 2020-10-21 2020-12-25 陕西科技大学 一种基于大数据的多功能纸币收付款系统

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2117328C1 (ru) * 1998-02-12 1998-08-10 Акционерное общество закрытого типа "Степ Ап" Способ дистанционного финансового обслуживания клиента банка "телебанк"
EP1679668A2 (fr) * 1996-09-04 2006-07-12 Intertrust Technologies Corp. Systèmes, procédés et techniques de support d'infrastructure sécurisée pour le commerce électronique sécurisé, transactions électroniques, contrôle et automatisation du processus de commerce, informatique distribuée et gestion des droits
US20070112673A1 (en) * 2003-06-23 2007-05-17 Piero Protti Method for autorising mandates of payment by credit cards and related apparatuses

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1679668A2 (fr) * 1996-09-04 2006-07-12 Intertrust Technologies Corp. Systèmes, procédés et techniques de support d'infrastructure sécurisée pour le commerce électronique sécurisé, transactions électroniques, contrôle et automatisation du processus de commerce, informatique distribuée et gestion des droits
RU2117328C1 (ru) * 1998-02-12 1998-08-10 Акционерное общество закрытого типа "Степ Ап" Способ дистанционного финансового обслуживания клиента банка "телебанк"
US20070112673A1 (en) * 2003-06-23 2007-05-17 Piero Protti Method for autorising mandates of payment by credit cards and related apparatuses

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112133044A (zh) * 2020-10-21 2020-12-25 陕西科技大学 一种基于大数据的多功能纸币收付款系统

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