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EP4172904A2 - Système et procédé de commande d'espèces de gab - Google Patents

Système et procédé de commande d'espèces de gab

Info

Publication number
EP4172904A2
EP4172904A2 EP21832319.4A EP21832319A EP4172904A2 EP 4172904 A2 EP4172904 A2 EP 4172904A2 EP 21832319 A EP21832319 A EP 21832319A EP 4172904 A2 EP4172904 A2 EP 4172904A2
Authority
EP
European Patent Office
Prior art keywords
cash
atm
customer
information
available
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP21832319.4A
Other languages
German (de)
English (en)
Other versions
EP4172904A4 (fr
Inventor
Ali TUNÇ
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Kuveyt Tuerk Katilim Bankasi A S
Original Assignee
Kuveyt Tuerk Katilim Bankasi A S
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 Kuveyt Tuerk Katilim Bankasi A S filed Critical Kuveyt Tuerk Katilim Bankasi A S
Publication of EP4172904A2 publication Critical patent/EP4172904A2/fr
Publication of EP4172904A4 publication Critical patent/EP4172904A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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]
    • G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs

Definitions

  • the invention relates to a system and method for withdrawing cash from ATMs in the banking sector and providing remote access to the information about whether the desired withdrawal amount is available in ATM devices.
  • ATM Automatic Teller Machine
  • FIG. 1 the connection of an ATM device (10) of the banking system to the bank servers (12) in a simple manner and the connection thereof with the customers (8) who want to make transactions are shown.
  • the customers can benefit from the services offered by the bank of the ATM by means of the credit card or the bank card (9) that called debit card of the customer through the ATM.
  • Customers enter their information to carry out transactions on the ATM with their bank card.
  • the ATM checks the accuracy of information entered by the person through the servers in the bank system. If the entered information is correct, user login is provided and forwarded to the transaction menu.
  • the most common transaction carried out by the customer on ATM devices is the cash withdrawal transaction.
  • a customer who has gone to the ATM device for the cash withdrawal wants to withdraw cash after performing the user authentication steps, if there is no cash left in the safe of the ATM device, no cash can be given to the customer. This is met negatively by the customer and causes loss of prestige and reputation for the bank, and for the customer it causes complaints and customer dissatisfaction.
  • the invention aims to provide a structure having different technical features that are novel in this field, different from the embodiments used in the known state of art.
  • the primary object of the invention is to achieve a more useful and efficient way of withdrawing cash through devices ATM (Automated Teller Machine), one of the key elements in the banking sector, in which a number of banking and payment transactions of the bank customers can be carried out.
  • ATM Automated Teller Machine
  • ATM is important for banks, especially in terms of meeting the cash withdrawal demands of individual customers and reducing the workload in branch banks. Providing the customer with the information about whether the cash is available or not in the ATM without going to the ATM will allow the customer to use her/his time correctly. For the bank, it will provide achievements in terms of increasing the customer satisfaction, prestige and reputation.
  • An object of the invention is to allow the customer to access ATM information of the bank by connecting to the bank system via a mobile banking application or a mobile application to be developed.
  • a secure mobile application is presented in such a way that the security structure used by banks in mobile banking applications will be utilized.
  • the ATMs of the bank will be displayed on the mobile application screen to be used by the customer as filtered according to the province, District information or as a whole list.
  • the customer will be able to query whether the cash amount she/he requests is available in the ATM by typing the cash information she/he wants to withdraw after selecting the ATM information.
  • the customer is informed that the cash is available and the cash withdrawal transaction can be carried out. If the amount of cash the customer requests is not available, the customer is informed that the cash is not available and that she/he will be informed via mobile application or SMS when the cash loading to the corresponding ATM is carried out. Also, the information of the other nearest ATMs to the said ATM from which the desired amount of cash can be withdrawn will be displayed to the customer as an information via mobile application or SMS.
  • SMS query method instead of mobile application in accordance with the invention.
  • the customer will be able to control if cash is available in the ATM by typing the name of the ATM and the amount of the cash, she/he desires to withdraw with a space between them and sending it as a short message to the operator that will be determined accordingly.
  • an SMS information is sent to the customer, indicating that the cash is available and cash withdrawal transaction can be carried out.
  • an SMS information is sent to the customer, indicating that the cash is not available.
  • An information will be provided that a notification will be made via SMS when the cash loading to the corresponding ATM is carried out.
  • the invention relates to a system for providing remote access to the information about whether the desired withdrawal amount is available in the ATM devices in the banking sector, characterized by comprising:
  • a mobile application which allows the customers to query whether there is cash in the ATM (10) through banking system and if there is no cash, provides information about the time of loading cash and/or the nearest ATM (10) with loaded cash;
  • An SMS system used with the mobile application or as an alternative to the mobile application (13), which allows the customers to query whether there is cash in the ATM and if there is no cash, provides information about the time of loading cash and/or the nearest ATM with loaded cash via SMS.
  • Figure 1 is the representation of the present Banking System, ATM and Customer Relationship.
  • Figure 2 is the representation of the Banking System, ATM and Customer Relationship according to the invention.
  • Figure 3 is the representation of the relationship of the Banking System, ATM and Customer Relationship with the mobile application and SMS system according to the invention.
  • Figure 4 is the holistic representation of the relationship of the Banking System, a plurality of ATMs and ATM Customers Relationship with the mobile application and SMS system.
  • the drawings are not necessarily drawn to scale and details which are not necessary for the understanding of the present invention may be omitted.
  • elements that are substantially identical or have substantially identical functions are denoted by the same reference signs.
  • the invention relates to a system and method for providing remote access to the information about whether the desired withdrawal amount is available in ATM (10) devices in the banking sector.
  • ATMs (10) are devices that enable customers working in integration with the banking system (12) to carry out certain transactions without going to the bank.
  • the banking system (12) is an information technology system consisting of a database and applications that allow banking transactions, in which data of the customer and the bank are contained in the banking platform.
  • ATM customers (8) who has gone to the ATM (10) to benefit from the services provided by the banking system (12), can carry out transaction through ATM (10) by using their bank cards (9).
  • ATM devices (10) allow the customer to carry out certain banking transactions.
  • the most common transaction carried out by ATM customers (8) is cash withdrawal.
  • the ATM (10) device cannot provide cash withdrawal service when the cash in the safe box of the ATM (10) device runs out.
  • the customer (14) uses a mobile application (13) for controlling whether the cash is available or not in ATM (10) without going to the ATM (10) device.
  • the customer (14) can learn the information whether the cash is available or not in ATM (10) through the banking system (12).
  • all ATM (10) information defined in the banking system (10) can be accessed as filterable by province, district or as a list of all ATMs (10).
  • the customer can access the information about whether the desired amount of cash is available or not in the selected ATM (10). If the desired amount of cash is available, an information containing the information indicating that desired amount of cash is available in the ATM (10) device is displayed to the customer (14).
  • the information indicating that cash is not available in the selected ATM (10) is sent to the customer (14), the customer (14) request of the ATM (10) is recorded to the banking system (12) and the customer (14) is informed when cash is loaded to the ATM (10). Also, the information of the ATM (10) closest to the ATM (10) for which the customer has queried is displayed to the customer (14).
  • the customer (14) can type the name of the ATM (10) and the amount of the cash she/he desires to withdraw with a space between them and send it as a short message to the service code provided by the banking system (12) via the SMS system (15) provided by the operator company of the her/his mobile phone.
  • the bank service (12) queries this short message information and the information about whether the cash is available or not is sent to the customer (14) as a short message. If the desired amount of cash is available, the information indicating that the desired amount of cash is available in ATM (10) device is sent to the customer (14) via SMS system (15).
  • the information indicating that the desired amount of cash is not available in ATM (10) device is sent to the customer (14) via SMS system (15). Also, the customer (14) request of the ATM (10) is recorded to the banking system (12) and the customer (14) is informed when cash is loaded to ATM (10). After the cash is loaded to the ATM (10) device, the customers (14), who made query for the ATMs (10) having no cash, are informed by the banking system (12) that "cash has been loaded via the mobile application (13) or the SMS system (15), you can use the ATM (10) device".
  • the process steps performed by the system of the invention are as follows: o Connecting of the customer (14) to the banking system (12) via mobile application (13) and querying of her/him the information about whether the cash is available or not in the ATMs (10) of the bank; and/or o Querying of the customer (14) the information about whether the cash is available or not in the ATMs (10) of the bank from the bank (12) by using the SMS system (15) provided by the operator of her/his mobile phone;

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système permettant de fournir un accès à distance aux informations relatives au fait que le montant de retrait souhaité est disponible dans des dispositifs GAB (10) dans le secteur bancaire, comprenant : une application mobile (13), qui permet aux clients (14) d'interroger la présence d'espèces dans le GAB (10) par le biais d'un système bancaire (12) et, en cas d'absence d'espèces, fournit des informations concernant le temps de réapprovisionnement en espèces et/ou le GAB (10) le plus proche approvisionné en espèces; un système SMS (15), utilisé avec l'application mobile (13) ou en variante de l'application mobile (13), qui permet aux clients d'interroger la présence d'espèces dans le GAB (10) et, en cas d'absence d'espèces, fournit des informations concernant le temps de réapprovisionnement en espèces et/ou le GAB (10) le plus proche approvisionné en espèces par SMS.
EP21832319.4A 2020-06-29 2021-04-26 Système et procédé de commande d'espèces de gab Withdrawn EP4172904A4 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2020/10154A TR202010154A2 (tr) 2020-06-29 2020-06-29 ATM para kontrol sistemi ve yöntemi
PCT/TR2021/050375 WO2022005424A2 (fr) 2020-06-29 2021-04-26 Système et procédé de commande d'espèces de gab

Publications (2)

Publication Number Publication Date
EP4172904A2 true EP4172904A2 (fr) 2023-05-03
EP4172904A4 EP4172904A4 (fr) 2023-08-16

Family

ID=75470098

Family Applications (1)

Application Number Title Priority Date Filing Date
EP21832319.4A Withdrawn EP4172904A4 (fr) 2020-06-29 2021-04-26 Système et procédé de commande d'espèces de gab

Country Status (3)

Country Link
EP (1) EP4172904A4 (fr)
TR (1) TR202010154A2 (fr)
WO (1) WO2022005424A2 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20240290182A1 (en) * 2023-02-23 2024-08-29 Bank Of America Corporation Automated teller machine (atm) transaction resliency using a long range wide area network

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20180130035A1 (en) * 2016-11-09 2018-05-10 Ca, Inc. Advanced cash reservation system in atms
SG10201704310SA (en) * 2017-05-26 2018-12-28 Mastercard International Inc Atm withdrawal query method and apparatus

Also Published As

Publication number Publication date
WO2022005424A2 (fr) 2022-01-06
TR202010154A2 (tr) 2020-07-21
EP4172904A4 (fr) 2023-08-16
WO2022005424A3 (fr) 2022-12-08

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