WO2013093125A1 - Terminal for sending remittances - Google Patents

Terminal for sending remittances Download PDF

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Publication number
WO2013093125A1
WO2013093125A1 PCT/ES2011/070882 ES2011070882W WO2013093125A1 WO 2013093125 A1 WO2013093125 A1 WO 2013093125A1 ES 2011070882 W ES2011070882 W ES 2011070882W WO 2013093125 A1 WO2013093125 A1 WO 2013093125A1
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WO
WIPO (PCT)
Prior art keywords
terminal according
remittance
terminal
sending
data
Prior art date
Application number
PCT/ES2011/070882
Other languages
Spanish (es)
French (fr)
Inventor
Jesus Angel ARRANZ
Sebastian Plubins Malfanti
Original Assignee
Ria Payment Institution, E.P., S.A.U.
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 Ria Payment Institution, E.P., S.A.U. filed Critical Ria Payment Institution, E.P., S.A.U.
Priority to PCT/ES2011/070882 priority Critical patent/WO2013093125A1/en
Publication of WO2013093125A1 publication Critical patent/WO2013093125A1/en

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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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Definitions

  • the present invention falls within the technical sector of payment services regarding the activity of sending and paying money, more specifically in relation to the sending of remittances abroad and payment of remittances from abroad through Payment Entities and companies remittances
  • the invention allows the client to send money easily and quickly. It offers the possibility of remote assistance, for example through video calling. It allows to use different means of payment to send the remittance or enter the remittance. It allows different payments either in cash (through the remittance entity) or through payment cards, without the need for a bank account assigned in its favor to carry out the different operations offered by the invention (through or without a remittance entity ).
  • the invention allows to facilitate the expansion of places to send money and obtain the payment of a shipment in your favor (shopping centers, supermarkets, service stations, public transport stations, specialized stores and in general, any place you want incorporate himself). Additionally, it allows the client the possibility of carrying out the sending of money by himself, choosing the place and the recipient of the shipment, in a simple and fast way, carrying out the procedure in its entirety without interacting in person with people or, depending on the circumstances, interacting with people in person only and exclusively for the time of payment of the quantities subject to shipment or for the collection of the amounts subject to payment.
  • the assisted terminal for sending money allows the client to act fully autonomously and use it at their convenience reducing the need to establish a direct relationship with any third party when sending the remittance.
  • the legislation of a country may require confirmation that certain conditions are met. For example, to prevent money laundering or the financing of illegal activities.
  • the terminal has an identification associated to ensure that the legal requirements of the country where it is installed are duly met.
  • the design features allow it to be personalized and adapt to any establishment with total autonomy and with minimal infrastructure so that you can implement the remittance service with a minimum investment.
  • Figure 1 shows a front view of a possible embodiment of the terminal for sending remittances indicating various elements that compose it.
  • Figure 2 shows a flow with the main stages of an "assisted turn" with which the sending of a consignment can be carried out semi-autonomously, assisted by an operator with whom a videoconference has been established.
  • the line of business can be completed through a remittance entity or without it.
  • Figure 3 shows a flow with the main stages of an "automatic turn" with which the shipment of a consignment can be made autonomously through a remittance entity or without it.
  • Figure 4 shows a flow of the remittance payment process in the terminal with the main steps.
  • the terminal also indistinctly called the kiosk, is not an ATM. Although similar in appearance, the terminal (or kiosk) does not store money inside. As a result, the requirement of shielding is relaxed as it could happen in ATMs. The terminal, therefore, is responsible for carrying out the necessary steps so that a user can send money to a country.
  • the terminal can provide the service to a user in two different ways that will be available through a menu 21.
  • the terminal In a first way, the terminal, after a series of operations as described in Figures 2 and 3, would provide the user with a ticket 66, 104 (receipt, voucher or similar document) accrediting the information necessary to complete the money transfer in a remittance entity associated with the terminal, which therefore recognizes the validity of the ticket. In this case, the user would pay the amount 64, 108 (or would charge it, if it were the recipient) in said remittance entity, without needing to identify as it would suffice with the information present in the printed ticket. In a second way, payment from the terminal itself would be enabled as shown schematically in figure 4.
  • the user could enter the amount 111 to be sent through electronic payment means 112 that the terminal would have for that purpose.
  • the terminal does not accept cash.
  • the user data 39, 75 are sent to an external validation entity (usually managed by the remittance company) that is first responsible for verifying if said user is a customer and for checking the viability of the shipment through consultations to a base of data.
  • an external validation entity usually managed by the remittance company
  • the user can establish telephone communication with an operator that assists in the use of the terminal or kiosk as indicated in figure 2.
  • an operator that assists in the use of the terminal or kiosk as indicated in figure 2.
  • a videoconference is maintained.
  • A) Customer already registered 35, 36 with the remitter The client will place his identification document in the document scanner so that the system automatically extracts the identification data from it 28.
  • the remittance operator 30, 32 may verify the existence from customer 34 to proceed with the shipment.
  • the customer will provide the data related to the remittance of the money remittance such as data 41 of the beneficiary, country and location of destination, amount to be sent, etc.
  • the remittance operator will help the client to process the shipment, and the latter can verify the data at any time before proceeding.
  • Unregistered customer 33 The customer will place their identification document in the document scanner so that the system automatically extracts the identification data 28 from it.
  • the remittance operator may verify and complete 34 data to create the customer's account and then proceed with the shipment.
  • the client will provide 41, when the beneficiary is not registered either, the data related to the sending of the remittance of money such as beneficiary data, country and location of destination, amount to be sent, etc.
  • the remittance operator will help the client to process the shipment, and the latter may verify the data at any time before proceeding 45.
  • the client will sign 55, 95 in the signature collection system (4), which will imply the consequent printing 62 of the ticket (7) that will contain the digitized signature of the client.
  • the ticket (which will contain all the data related to the shipment and will include barcode where applicable), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment where he is staying the assisted terminal (fig.l), once the total amount of money remittance has been received from the client.
  • the client can initiate the operation by entering his client card 74 issued by the remitter or by typing his telephone number 72 or his identification document number 73. If the client is found he will have to enter his PIN 83. Once authenticated he will be able to perform several operations 86, such as sending money, checking your previous shipments, changing your PIN number, checking available exchange rates, etc.
  • the customer can send a beneficiary to whom he has previously sent without needing assistance 90, simply by following the instructions and interacting with the touch screen.
  • a video call will be established with a tele operator of the remitter who will assist the client with the shipment.
  • the client will sign in the signature collection system (4), which will imply the consequent printing 104 of the ticket (7) that will contain the digitalized signature of the client.
  • the ticket (which will contain all the data related to the shipment and will include barcode where appropriate), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment 108 where it is located Stayed ends! assisted (fig.l), once the total amount has been received from the client of sending the money remittance or by payment through a debit or credit card 102.
  • the client can choose the option of using the webcam (1) to transmit their image in real time to the telemarketer and obtain assistance at all times and observe the image of the latter at through the touch screen (2).
  • Payment will be made with the help of a PAD PIN preferably embedded in the Kiosk, which will have the PCI PED certificates (Hardware PIN PAD) EMV level 1 (electronic reader hardware) level 2 (software commands) and those related to the processor. Subsequently, an End to End certification must be carried out including the entire Kiosk, the Kiosk and Server application and communications. (The latter is relatively short but it must be foreseen).
  • PCI PED certificates Hard PIN PAD
  • EMV level 1 electronic reader hardware
  • level 2 software commands
  • the PIN Pad has its own mini screen, Hybrid card reader, antenna and other components for communication with contacless cards and NFC devices, keyboard and crypto processor associated with the keyboard.
  • the amount to be charged is reached at the time of payment of the amount of the draft plus the commissions.
  • a record or file is completed with the amount and the identifying data of the transaction (according to the format expected by the application of the PIN Pad) and the control is passed to it.
  • the PIN Pad asks the user to introduce the card (or its approach to the reading area in the case of NFC and contacless). Once it is inserted correctly it asks for the PIN (if applicable). PIN validation is done offline. If the PIN is correct, an encrypted message is prepared with the card data and the amount is sent to the transaction processor ⁇ taking advantage of the equipment communications. The processor sends it to VISA, MasteCard etc.
  • the PIN pad receives a message with the authorization or denial of the transaction.
  • the PIN Pad writes the result, including the operation number and case of denial, the denial code in a register or file.

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

Abstract

Assisted terminal for sending remittances, characterized in that said terminal is constructed with lightweight material and has a series of electronic devices which will make it possible for the user himself to send the remittance or to carry out the registration process as the client of the remittance company in order to be able to thus carry out sending operations.

Description

TERMINAL PARA ENVIO DE REMESAS  TERMINAL FOR SUBMISSION OF REMITTANCES
SECTOR DE LA TÉCNICA SECTOR OF THE TECHNIQUE
La presente invención se encuadra en el sector técnico de servicios de pago respecto a la actividad de envío y pago de dinero, más concretamente en lo relativo al envío de remesas al extranjero y pago de remesas procedentes del extranjero a través de Entidades de Pago y empresas remesadoras. The present invention falls within the technical sector of payment services regarding the activity of sending and paying money, more specifically in relation to the sending of remittances abroad and payment of remittances from abroad through Payment Entities and companies remittances
ANTECEDENTES DE LA INVENCION BACKGROUND OF THE INVENTION
Actualmente, en el mercado del envío de remesas a través de Entidades de Pago y empresas remesadoras, la manera en que se enfoca el servicio destinado a la realización de las remesas es esencialmente de manera presencial, únicamente a través de tiendas propiedad de la remesadora y/o a través del canal de distribución externa llamados "Agentes". La Entidad de Pago y empresa remesadora. obligatoriamente incurren en gastos de compra, alquiler y acondicionamiento de locales, obtención-y renovación de licencias, así como entrenamiento de personal, resultando en un encarecimiento del servicio. Para el envío de remesas, se exige al cliente desplazarse a locales específicos en donde la entidad de Pago o empresa remesadora preste sus servicios y que en ocasiones se encuentran en lugares apartados de su residencia, lo que puede resultar un inconveniente. También resulta ineludible interactuar y contar con la asistencia de empleados de esas Entidades de Pago o empresas remesadoras para poder llevar a cabo íntegramente el proceso de envío de remesas al extranjero o su cobro. Currently, in the market for sending remittances through Payment Entities and remittance companies, the way in which the service destined to the realization of remittances is focused is essentially face-to-face, only through stores owned by the remitter and / or through the external distribution channel called "Agents". The Payment Entity and remittance company. obligatorily they incur expenses of purchase, rent and conditioning of premises, obtaining-and renewal of licenses, as well as training of personnel, resulting in an increase in the cost of the service. For the sending of remittances, the client is required to move to specific locations where the payment entity or remittance company provides its services and that are sometimes located in places away from their residence, which can be inconvenient. It is also unavoidable to interact and have the assistance of employees of these Payment Entities or remittance companies in order to fully carry out the process of sending remittances abroad or their collection.
Sería pues deseable ofrecer al cliente la posibilidad de utilizar el servicio de envío de remesas en locales distintos a los habituales, ofreciendo en consecuencia un mayor número de lugares disponibles para utilizar el servicio de pago y, a su vez, llevar a cabo el envío de remesas de manera total o parcialmente autónoma, sin necesidad de interactuar total o parcialmente con empleados de los locales en donde se presta el servicio. It would therefore be desirable to offer the client the possibility of using the remittance service in different locations than the usual ones, thus offering a greater number of places available to use the payment service and, in turn, carry out the sending of remittances totally or partially independently, without the need to interact totally or partially with employees of the premises where the service is provided.
DESCRIPCION DE LA INVENCION DESCRIPTION OF THE INVENTION
La invención permite al cliente efectuar un envío de dinero de forma sencilla y rápida. Se ofrece la posibilidad de contar con asistencia a distancia, por ejemplo a través de video llamada. Permite hacer uso de distintos medios de pago para efectuar el envío de la remesa o el ingreso de la remesa. Permite diferentes pagos ya sea en efectivo (a través de la entidad remesadora) o a través de tarjetas de pago, sin necesidad de contar con una cuenta bancaria asignada a su favor para efectuar las distintas operaciones que ofrece la invención (mediante entidad remesadora o sin ella). The invention allows the client to send money easily and quickly. It offers the possibility of remote assistance, for example through video calling. It allows to use different means of payment to send the remittance or enter the remittance. It allows different payments either in cash (through the remittance entity) or through payment cards, without the need for a bank account assigned in its favor to carry out the different operations offered by the invention (through or without a remittance entity ).
La invención permite facilitar la ampliación de lugares donde realizar el envío de dinero y obtener el pago de un envío a su favor (centros comerciales, supermercados, estaciones de servicio, estaciones de transporte público, tiendas especializada y en general, todo aquel local que desee incorporar ei mismo). Adicionalmente, permite al cliente la posibilidad de llevar a cabo el envío de dinero por sí mismo, eligiendo el lugar y persona destinataria del envío, de una manera simple y rápida, llevándose a cabo en su totalidad el procedimiento sin interactuar de manera presencial con personas o, según las circunstancias, interactuando con personas presencialmente única y exclusivamente para el momento del pago de las cantidades objeto del envío o bien para el cobro de la cantidades objeto de pago. The invention allows to facilitate the expansion of places to send money and obtain the payment of a shipment in your favor (shopping centers, supermarkets, service stations, public transport stations, specialized stores and in general, any place you want incorporate himself). Additionally, it allows the client the possibility of carrying out the sending of money by himself, choosing the place and the recipient of the shipment, in a simple and fast way, carrying out the procedure in its entirety without interacting in person with people or, depending on the circumstances, interacting with people in person only and exclusively for the time of payment of the quantities subject to shipment or for the collection of the amounts subject to payment.
El terminal asistido para el envío de dinero permite al cliente actuar de forma plenamente autónoma y utilizarlo a su conveniencia reduciendo la necesidad de establecer relación directa con ningún tercero a la hora de realizar el envío de la remesa.  The assisted terminal for sending money allows the client to act fully autonomously and use it at their convenience reducing the need to establish a direct relationship with any third party when sending the remittance.
Para el envío de remesas, la legislación de un país puede requerir la confirmación de que se reúnen ciertas condiciones. Por ejemplo, para evitar el blanqueo de capitales o !a financiación de actividades ilícitas. Además, suele haber requerimientos relativos a la cantidad máxima por envío, a la frecuencia de envío, a la cantidad total en un periodo de tiempo, etc., condiciones que pueden cambiar de un país a otro. El terminal tiene asociado una identificación para asegurar que los requerimientos legales del país donde está instalado se cumplen debidamente.  For sending remittances, the legislation of a country may require confirmation that certain conditions are met. For example, to prevent money laundering or the financing of illegal activities. In addition, there are usually requirements regarding the maximum amount per shipment, the frequency of shipping, the total amount in a period of time, etc., conditions that can change from one country to another. The terminal has an identification associated to ensure that the legal requirements of the country where it is installed are duly met.
Las características del diseño le permiten ser personalizado y adaptarse a cualquier establecimiento con total autonomía y con mínimas infraestructuras para que pueda implementar el servicio de envío de remesas con una mínima inversión.  The design features allow it to be personalized and adapt to any establishment with total autonomy and with minimal infrastructure so that you can implement the remittance service with a minimum investment.
BREVE DESCRIPCION DE LOS DIBUJOS BRIEF DESCRIPTION OF THE DRAWINGS
Para una mejor compresión de la invención, se incluyen unas figuras como ejemplo de realización, que no han de considerarse limitativas de su alcance.  For a better understanding of the invention, figures are included as an embodiment, which are not to be considered as limiting their scope.
En la figura 1 se muestra una vista frontal de una posible realización del terminal para el envío de remesas indicando diversos elementos que lo componen. Figure 1 shows a front view of a possible embodiment of the terminal for sending remittances indicating various elements that compose it.
En la figura 2 se muestra un flujo con las principales etapas de un "giro asistido" con el que se puede realizar de forma semi-autónoma el envío de una remesa ayudado por un operador con el que se ha establecido una vídeoconferencia. El giro puede completarse a través de una entidad remesadora o bien sin ella.  Figure 2 shows a flow with the main stages of an "assisted turn" with which the sending of a consignment can be carried out semi-autonomously, assisted by an operator with whom a videoconference has been established. The line of business can be completed through a remittance entity or without it.
En la figura 3 se muestra un flujo con ias principales etapas de un "giro automático" con el que se puede llegar a realizar de forma autónoma el envío de una remesa a través de una entidad remesadora o bien sin ella.  Figure 3 shows a flow with the main stages of an "automatic turn" with which the shipment of a consignment can be made autonomously through a remittance entity or without it.
En la figura 4 se muestra un flujo del proceso de pago de una remesa en el terminal con los principales pasos.  Figure 4 shows a flow of the remittance payment process in the terminal with the main steps.
REALIZACIÓN PREFERENTE DE UN MODO DE REALIZACIÓN PREFERRED EMBODIMENT OF AN EMBODIMENT
A continuación se pasa a describir de manera un modo de realización, que se presenta como un ejemplo no limitativo de ésta, con referencia a las figuras. Se ha de entender que aunque se ilustre principalmente e! envío de una remesa. El terminal, también indistintamente denominado kiosco, no se trata de un cajero electrónico. Aunque en sea similar en aspecto, el terminal (o kiosco) no guarda dinero en su interior. A consecuencia, se relaja la exigencia del blindaje como podría pasar en cajeros electrónicos. El terminal, por tanto, se encarga de realizar las gestiones oportunas para que un usuario pueda efectuar el envío de dinero a un país. Next, an embodiment is described, which is presented as a non-limiting example of this, with reference to the figures. It is to be understood that although it is illustrated mainly e! Sending a consignment. The terminal, also indistinctly called the kiosk, is not an ATM. Although similar in appearance, the terminal (or kiosk) does not store money inside. As a result, the requirement of shielding is relaxed as it could happen in ATMs. The terminal, therefore, is responsible for carrying out the necessary steps so that a user can send money to a country.
El terminal puede prestar el servicio a un usuario a cabo de dos formas diferentes que estarán disponibles a través de un menú 21. The terminal can provide the service to a user in two different ways that will be available through a menu 21.
En una primera forma, el terminal, tras una serie de operaciones como se describen en las figuras 2 y 3, facilitaría al usuario un ticket 66, 104 (recibo, comprobante o documento similar) acreditativo con la información necesaria para completar el envío del dinero en una entidad remesadora asociada con el terminal, que por lo tanto reconoce la validez del ticket. En este caso, el usuario pagaría la cantidad 64, 108 (o la cobraría, si fuera el destinatario) en dicha entidad remesadora, sin necesidad de identificarse pues bastaría con la información presente en el ticket impreso. En una segunda forma, se habilitaría el pago desde el propio terminal como se muestra esquemáticamente en la figura 4. Para ello el usuario, una vez validada la operación a realizar, podría ingresar la cantidad 111 a enviar a través de unos medios de pago electrónicos 112 que el terminal tendría para tal efecto. Como se mencionaba anteriormente el terminal no acepta dinero en efectivo. De cualquier forma, los datos del usuario 39, 75 se envían a una entidad externa de validación (generalmente gestionada por la empresa remesadora) que se encarga primero de verificar si dicho usuario es cliente y de comprobar la viabilidad del envío mediante consultas a una base de datos. En taíes bases de datos puede residir información de ingresos previos realizados por dicha persona entre otros datos necesarios para cumplir con la normativa legal. In a first way, the terminal, after a series of operations as described in Figures 2 and 3, would provide the user with a ticket 66, 104 (receipt, voucher or similar document) accrediting the information necessary to complete the money transfer in a remittance entity associated with the terminal, which therefore recognizes the validity of the ticket. In this case, the user would pay the amount 64, 108 (or would charge it, if it were the recipient) in said remittance entity, without needing to identify as it would suffice with the information present in the printed ticket. In a second way, payment from the terminal itself would be enabled as shown schematically in figure 4. For this, the user, once the operation to be validated, could enter the amount 111 to be sent through electronic payment means 112 that the terminal would have for that purpose. As mentioned above the terminal does not accept cash. In any case, the user data 39, 75 are sent to an external validation entity (usually managed by the remittance company) that is first responsible for verifying if said user is a customer and for checking the viability of the shipment through consultations to a base of data. In these databases, information on previous income made by that person can be found among other data necessary to comply with legal regulations.
Opcionalmente, el usuario puede establecer comunicación telefónica con un operador que le asista en la utilización del terminal o kiosco como se indica en la figura 2. Para ello, preferiblemente, se mantiene una vídeoconferencia. Optionally, the user can establish telephone communication with an operator that assists in the use of the terminal or kiosk as indicated in figure 2. To do this, preferably, a videoconference is maintained.
Para la descripción más detallada del proceso operativo debemos de distinguir dos modalidades totalmente compatibles en el terminal asistido para el envío de remesas. 1) Modo Semi-autónomo: For the more detailed description of the operational process we must distinguish two fully compatible modalities in the assisted terminal for sending remittances. 1) Semi-autonomous mode:
Ei cliente levanta el auricular 24 y automáticamente se redirige la llamada al operador de la remesadora para conocer su situación, que se reduce a cualquiera de estas dos siguientes y que definirá el proceso de tramitación del envío de la remesa de dinero: The customer picks up the handset 24 and the call to the remittance operator is automatically redirected to know its situation, which is reduced to any of these two following and which will define the process of sending the money remittance:
A) Cliente ya registrado 35, 36 con la remesadora: El cliente colocará su documento de identificación en el escáner de documentos para que el sistema extraiga automáticamente los datos de identificación del mismo 28. El operador de la remesadora 30, 32 podrá verificar la existencia del cliente 34 para proceder con el envío. Ei cliente proporcionará los datos relativos al envío de la remesa de dinero tales como datos 41 del beneficiario, país y localidad de destino, importe a enviar, etc.. El operador de la remesadora ayudará al cliente a procesar el envío, y éste podrá verificar 45 en todo momento los datos antes de proceder. A) Customer already registered 35, 36 with the remitter: The client will place his identification document in the document scanner so that the system automatically extracts the identification data from it 28. The remittance operator 30, 32 may verify the existence from customer 34 to proceed with the shipment. The customer will provide the data related to the remittance of the money remittance such as data 41 of the beneficiary, country and location of destination, amount to be sent, etc. The remittance operator will help the client to process the shipment, and the latter can verify the data at any time before proceeding.
B) Cliente no registrado 33: El cliente colocará su documento de identificación en el escáner de documentos para que el sistema extraiga automáticamente, los datos 28 de identificación del mismo. El operador de la remesadora podrá verificar y completar 34 los datos para crear la cuenta del cliente y después proceder con el envío. El cliente proporcionará 41, cuando el beneficiario no esté registrado tampoco, los datos relativos al envío de la remesa de dinero tales como datos del beneficiario, país y localidad de destino, importe a enviar, etc.. El operador de la remesadora ayudará al cliente a procesar el envío, y éste podrá verificar en todo momento los datos antes de proceder 45.  B) Unregistered customer 33: The customer will place their identification document in the document scanner so that the system automatically extracts the identification data 28 from it. The remittance operator may verify and complete 34 data to create the customer's account and then proceed with the shipment. The client will provide 41, when the beneficiary is not registered either, the data related to the sending of the remittance of money such as beneficiary data, country and location of destination, amount to be sent, etc. The remittance operator will help the client to process the shipment, and the latter may verify the data at any time before proceeding 45.
Una vez cumplido cualesquiera dos de los anteriores pasos, el cliente firmará 55, 95 en el sistema de recogida de firmas (4), Jo que supondrá la consecuente impresión 62 del ticket (7) que contendrá la firma digitalizada del cliente.  Once any two of the previous steps have been completed, the client will sign 55, 95 in the signature collection system (4), which will imply the consequent printing 62 of the ticket (7) that will contain the digitized signature of the client.
Finalmente, el ticket (el cual contendrá todos los datos relativos al envío e incluirá código de barras en su caso), será validado (produciéndose en consecuencia el envío de remesa de dinero a su destinatario) por persona autorizada del establecimiento en donde se encuentre alojado el terminal asistido (fig.l), una vez haya recibido del cliente el importe total del envío de la remesa de dinero.  Finally, the ticket (which will contain all the data related to the shipment and will include barcode where applicable), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment where he is staying the assisted terminal (fig.l), once the total amount of money remittance has been received from the client.
2) Modo Autónomo  2) Autonomous Mode
El cliente puede iniciar la operación introduciendo su tarjeta de cliente 74 emitida por la remesadora o tecleando su número de teléfono 72 o su número de documento de identificación 73. Si el cliente es encontrado tendrá que introducir su PIN 83. Una vez autentificado podrá realizar varias operaciones 86, como realizar un envío de dinero, consultar sus envíos anteriores, cambiar su número PIN, consultar las tasas de cambio disponibles, etc.. The client can initiate the operation by entering his client card 74 issued by the remitter or by typing his telephone number 72 or his identification document number 73. If the client is found he will have to enter his PIN 83. Once authenticated he will be able to perform several operations 86, such as sending money, checking your previous shipments, changing your PIN number, checking available exchange rates, etc.
El cliente podrá enviar a un beneficiario al que haya enviado previamente sin necesidad de asistencia 90, simplemente siguiendo las instrucciones e interactuando con la pantalla táctil. En caso de enviar a un nuevo beneficiario se establecerá una video llamada con un tele operador de la remesadora que asistirá 93 al cliente con el envío.  The customer can send a beneficiary to whom he has previously sent without needing assistance 90, simply by following the instructions and interacting with the touch screen. In case of sending to a new beneficiary a video call will be established with a tele operator of the remitter who will assist the client with the shipment.
Posteriormente, el cliente firmará en el sistema de recogida de firmas (4), lo que supondrá la consecuente impresión 104 del ticket (7) que contendrá la firma digitalizada del cliente. Subsequently, the client will sign in the signature collection system (4), which will imply the consequent printing 104 of the ticket (7) that will contain the digitalized signature of the client.
Finalmente, el ticket (el cual contendrá todos los datos relativos al envío e incluirá código de barras en su caso), será validado (produciéndose en consecuencia el envío de remesa de dinero a su destinatario) por persona autorizada del establecimiento 108 en donde se encuentre alojado el termina! asistido (fig.l), una vez haya recibido del cliente, el importe total del envío de la remesa de dinero o bien mediante ei pago a través de tarjeta de débito o crédito 102. Finally, the ticket (which will contain all the data related to the shipment and will include barcode where appropriate), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment 108 where it is located Stayed ends! assisted (fig.l), once the total amount has been received from the client of sending the money remittance or by payment through a debit or credit card 102.
Tanto a través del método semi-autónomo como autónomo, el cliente podrá elegir la opción de hacer uso de la cámara web (1) para transmitir su imagen en tiempo reai al teleoperador y obtener asistencia en todo momento y observar la imagen de éste último a través de la pantalla táctil (2).  Both through the semi-autonomous and autonomous method, the client can choose the option of using the webcam (1) to transmit their image in real time to the telemarketer and obtain assistance at all times and observe the image of the latter at through the touch screen (2).
Información adicional del proceso de pago a través de tarjeta de crédito/débito  Additional information on the payment process via credit / debit card
El pago se realizará con la ayuda de un PIN PAD preferentemente encastrado en el Kiosko, que contará con los certificados PCI PED (Hardware PIN PAD) EMV nivel 1 (hardware electrónico lector) nivel 2 (comandos software)y las relativas al procesador. Posteriormente habrá que realizar una certificación End to End incluyendo todo el Kiosko, la aplicación de Kiosko y Servidor y las comunicaciones. (Esta última es relativamente corta pero hay que preverla).Payment will be made with the help of a PAD PIN preferably embedded in the Kiosk, which will have the PCI PED certificates (Hardware PIN PAD) EMV level 1 (electronic reader hardware) level 2 (software commands) and those related to the processor. Subsequently, an End to End certification must be carried out including the entire Kiosk, the Kiosk and Server application and communications. (The latter is relatively short but it must be foreseen).
El PIN Pad cuenta con su propia mini pantalla, lector de tarjetas Híbrido, la antena y demás componentes para comunicación con tarjetas contacless y dispositivos NFC, teclado y cripto procesador asociado al teclado. The PIN Pad has its own mini screen, Hybrid card reader, antenna and other components for communication with contacless cards and NFC devices, keyboard and crypto processor associated with the keyboard.
En ia aplicación del Kiosco una vez calculado.el importe a cargar, se llega al momento del cobro del importe del giro más las comisiones. In the application of the kiosk once calculated . The amount to be charged is reached at the time of payment of the amount of the draft plus the commissions.
En este punto se ofrece un menú donde se le pregunta al cliente como quiere abonar el giro. At this point a menu is offered where the client is asked how he wants to pay the money order.
En caso de seleccionar pago con tarjeta, se completan un registro o fichero con el importe y los datos identificativos de la transacción (según el formato que espere la aplicación del PIN Pad) y se le pasa el control al mismo. In case of selecting card payment, a record or file is completed with the amount and the identifying data of the transaction (according to the format expected by the application of the PIN Pad) and the control is passed to it.
El PIN Pad solicita al usuario la introducción de la tarjeta (o su aproximación a la zona de lectura en el caso de NFC y contacless). Una vez que está insertada correctamente solicita la introducción del PIN (si procede). La validación del PIN se hace Offline. Si el PIN es correcto se prepara un mensaje cifrado con los datos de la tarjeta y el importe se envía al procesador de ■ transacciones aprovechando las comunicaciones del equipo. El procesador se lo envía a VISA, MasteCard etc. The PIN Pad asks the user to introduce the card (or its approach to the reading area in the case of NFC and contacless). Once it is inserted correctly it asks for the PIN (if applicable). PIN validation is done offline. If the PIN is correct, an encrypted message is prepared with the card data and the amount is sent to the transaction processor ■ taking advantage of the equipment communications. The processor sends it to VISA, MasteCard etc.
Al PIN pad le llega un mensaje con la autorización o denegación de la transacción.  The PIN pad receives a message with the authorization or denial of the transaction.
El PIN Pad escribe en un registro o fichero el resultado incluyendo el número de operación y caso de denegación el código de denegación. The PIN Pad writes the result, including the operation number and case of denial, the denial code in a register or file.
A continuación le devuelve el control a la aplicación principal del Kiosko, que según el resultado continuará o volverá a ofrecer el menú de forma de pago con las opciones de ventanilla, tarjeta y cancelación. Then you return the control to the main application of the Kiosk, which according to the result will continue or return to offer the payment method menu with the options of window, card and cancellation.

Claims

REIVINDICACIONES
1. - Terminal para enviar remesas que comprende: 1. - Terminal for sending remittances comprising:
- una interfaz (2) para introducir y visualizar datos, - an interface (2) to enter and display data,
- unos medios de procesamiento (6), - un escáner de documentos (5) para escanear documentación - processing means (6), - a document scanner (5) for scanning documentation
- un lector de firma electrónica (4) para digitalizar la firma del usuario - an electronic signature reader (4) to digitize the user's signature
- un módulo de comunicaciones (10) para establecer comunicación de datos y/o voz caracterizado por que  - a communications module (10) for establishing data and / or voice communication characterized by
los medios de procesamiento (6) están configurados para generar un mensaje comprendiendo información procedente de la documentación escaneada, de la firma digitalizada y de los datos introducidos, the processing means (6) are configured to generate a message comprising information from the scanned documentation, the digitized signature and the data entered,
el módulo de comunicaciones (10) está configurado para enviar dicho mensaje a una entidad externa de validación y para recibir la respuesta a dicho mensaje, The communications module (10) is configured to send said message to an external validation entity and to receive the response to said message,
los medios de procesamiento (6) están configurados además para analizar la respuesta a dicho mensaje y para generar en función de dicha respuesta una señal de comprobación indicativa de la viabilidad de la remesa. the processing means (6) are further configured to analyze the response to said message and to generate a test signal indicative of the viability of the consignment based on said response.
2. - Terminal según la reivindicación 1, caracterizado por que comprende además unos medios de impresión (7) configurados para imprimir, según la señal de comprobación, un ticket justificativo de la viabilidad de la remesa a enviar con datos relacionados con el usuario y el envío de remesa.  2. - Terminal according to claim 1, characterized in that it further comprises printing means (7) configured to print, according to the check signal, a receipt justifying the viability of the consignment to be sent with data related to the user and the Remittance shipment.
3. - Terminal según ia reivindicación 2, caracterizado por que la impresora está configurada para imprimir en el ticket al menos uno de los siguientes datos:  3. - Terminal according to claim 2, characterized in that the printer is configured to print on the ticket at least one of the following data:
- un código de barras,  - a barcode,
- un código bidímensionaí,  - a two-dimensional code,
- un identificador único de la operación, - a unique identifier of the operation,
- la firma digitalizada del usuario.  - the user's digitalized signature.
4. - Terminal según la reivindicación 2 o 3, caracterizado por que comprende un dispositivo telefónico (8) para establecer una llamada con un operador.  4. - Terminal according to claim 2 or 3, characterized in that it comprises a telephone device (8) for establishing a call with an operator.
5. - Terminal según la reivindicación 4, caracterizado por que comprende una videocámara (1) para establecer una videoconferencia con un operador.  5. - Terminal according to claim 4, characterized in that it comprises a camcorder (1) for establishing a videoconference with an operator.
6. - Terminal según una cualquiera de las reivindicaciones anteriores, caracterizado por que comprende además un lector de tarjetas (3) conectado con los medios de procesamiento (6) y con el módulo de comunicaciones (10) para realizar una petición de pago (117) correspondiente con ei envío de la remesa, en función de la señal de autorización emitida por un centro autorizador (118). 6. - Terminal according to any one of the preceding claims, characterized in that it further comprises a card reader (3) connected with the processing means (6) and with the communications module (10) for making a payment request (117 ) corresponding with the sending of the consignment, depending on the authorization signal issued by an authorizing center (118).
7.- Terminal según la reivindicación 6, caracterizado por que el lector de tarjetas (3) está configurado para leer una tarjeta de la empresa remesadora.  7. Terminal according to claim 6, characterized in that the card reader (3) is configured to read a card from the remittance company.
8.- Terminal según la reivindicación 6 o 7, caracterizado por que ei lector de tarjetas (3) está configurado para ieer una tarjeta bancaria de crédito o de débito. 8. Terminal according to claim 6 or 7, characterized in that the card reader (3) is configured to be a bank credit or debit card.
9.- Terminal según una cualquiera de las reivindicaciones anteriores, caracterizado por que la interfaz (2) comprende una pantalla táctil.  9. Terminal according to any one of the preceding claims, characterized in that the interface (2) comprises a touch screen.
PCT/ES2011/070882 2011-12-19 2011-12-19 Terminal for sending remittances WO2013093125A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/ES2011/070882 WO2013093125A1 (en) 2011-12-19 2011-12-19 Terminal for sending remittances

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040254954A1 (en) * 2001-05-21 2004-12-16 Jean-Marie Gatto Trusted transactional internet kiosk
US20050240526A1 (en) * 2004-04-26 2005-10-27 Paycenters, Llc Automated financial service system
US20070168283A1 (en) * 2003-10-17 2007-07-19 Nexxo Financial Corporation Self-service money remittance with an access card
US20070210148A1 (en) * 2006-03-09 2007-09-13 Robert Cucinotta Remote validation system useful for financial transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040254954A1 (en) * 2001-05-21 2004-12-16 Jean-Marie Gatto Trusted transactional internet kiosk
US20070168283A1 (en) * 2003-10-17 2007-07-19 Nexxo Financial Corporation Self-service money remittance with an access card
US20050240526A1 (en) * 2004-04-26 2005-10-27 Paycenters, Llc Automated financial service system
US20070210148A1 (en) * 2006-03-09 2007-09-13 Robert Cucinotta Remote validation system useful for financial transactions

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