WO2015169803A1

WO2015169803A1 - Method for withdrawing money at an automatic withdrawal center

Info

Publication number: WO2015169803A1
Application number: PCT/EP2015/059860
Authority: WO
Inventors: Carsten Puschmann; Thomas Heidelbach
Original assignee: Q.One Ecommerce Gmbh
Priority date: 2014-05-05
Filing date: 2015-05-05
Publication date: 2015-11-12
Also published as: DE102014106239A1

Abstract

The invention relates to a method for withdrawing money at an automatic withdrawal center (200), having the following steps: - registering a user to a billing center (100) a single time and determining a user identification (110), specifying a billing account (120) at a billing account center (300), said billing account center (300) differing from the billing center (100), setting a user verification (130), and specifying a communication means (140) and storing log-on data in a server system of the billing center (100); - activating the billing center (220) at a withdrawal center (200) by the user, said withdrawal center (200) having a communication link to the server system of the billing center (100); - logging-on the user to the billing center (100) by entering the user identification (110) and the user verification (130) and transmitting the user identification (110) and the user verification (130) to the server system of the billing center (100); - comparing the stored user verification (130) and the entered user verification (130) within the server system of the billing center (100); - transmitting a request for a withdrawal amount (150) entry in the event of a positive comparison of the user verification (130); - entering the withdrawal amount (150) and transmitting the entry to the server system of the billing center (100); - requesting a confirmation of the withdrawal amount (240) at the billing account center (300); - transmitting an approval of the withdrawal amount (180) to the billing center (100) and to the withdrawal center (200) if the billing account center (300) confirms the withdrawal amount (150); - withdrawing the withdrawal amount (150) by means of the withdrawal center (200); - transmitting a withdrawal confirmation (260) to the billing center (100) and the billing account center (300); and - processing the transaction. In this manner, a method for withdrawing money at an automatic withdrawal center is provided, said method being secure and allowing a user to withdraw money from his bank account even without a bank card and reducing the risk of infection to the user due to contaminated automated teller machines.

Description

Procedure for payment of money at an automatic payout point

The invention relates to a method for payment of money at an automatic payout point.

Methods of withdrawing cash at an automatic payout point, such as a cash machine, are well known. Such known methods provide that the bank customer is identified via a bank card by inserting the bank card into the cash machine. For this purpose, identification data of the bank customer are stored on the bank card, either on a chip or on a magnetic stripe. By inserting the bank card into the ATM, the identification data are read out by the ATM and the bank account assigned to the identification data is selected. Entering a PIN will open the selected bank account. The bank customer can then enter or select the desired payout amount. The cash amount is issued via the ATM. The withdrawal of the bank card from the ATM completes the transaction process.

The problem with the method for withdrawing cash with the bank card, however, is that always the bank card is required to raise money. If the bank customer forgot or lost the bank card, the bank customer can not withdraw money from the ATM. Furthermore, the bank customer has to enter his multi-digit PIN and the withdrawal amount on the control panel of the ATM for withdrawing money. Since ATMs are used by a large number of people every day, the respective panels typically have a variety of bacteria. The risk that a bank customer of a bank computer will become infected with a disease is therefore great.

Moreover, the control panel and the card receiver of ATMs are often manipulated to spy out the account data and the PIN, whereby the withdrawing cash with a card at an ATM is uncertain.

It is therefore an object of the invention to provide a method for withdrawing cash at an automatic payout point that is secure, allows a user even without a bank card to withdraw money from his bank account and reduces the risk of infection of the user by contaminated ATMs.

This object is solved by the main claim 1. Preferred embodiments of the invention are specified in the subclaims.

According to the invention, a method for payment of money at an automatic payout point is provided, comprising the following steps:

One-time registration of a user at a clearing office and definition of a user identification, indication of a billing discount at a billing account office, wherein the billing account office is different from the clearing office, determination of a user verification and specification of a means of communication as well as deposit of the log-on data in a server system of the clearing office;

Activation of the clearing office at a point of payment by the user, the point of payment being connected to the server system of the clearing office in terms of communication technology; Registering the user at the clearing office by entering the user identification and the user verification and transmitting the user identification and the user verification to the server system of the clearing office;

Comparison between stored user verification and entered user verification within the server system of the clearing house;

With positive comparison of the user verification transmission of a query to enter a payout amount;

Entering the payout amount and transmitting the input to the server system of the clearinghouse; - Query confirmation of the payout amount in the settlement of discount account;

Upon confirmation of the payout amount by the billing account office, transmission of a release of the payout amount to the clearing office and to the payout office;

Payment of the payout amount by the payout office; - transmission of a payment confirmation to the clearing house and the billing account office;

Settlement of the transaction.

It is thus an aspect of the invention that the user through the point of payment by entering the user verification and user identification and by submitting the input to the billing account different from the billing office logs and thus identified by the clearinghouse. Only after the identification of the user by the clearing office and the input and transmission of the payout amount to the clearing office, the billing account office is requested. The billing account office checks the payout amount and transmits the release of the payout amount to the clearing house and to the payout office. The release of the disbursement In each case, the amount can be paid directly to the clearing office and to the payoff office or via the clearinghouse to the payout office or via the payoff office to the clearinghouse. Due to the fact that the user identification takes place via the billing center that is different from the billing account office and the user provides information on the user identification when registering at the billing center, the user has the option of choosing the user identification himself.

A preferred embodiment of the invention provides that an identifier of the payout point is transmitted to the clearinghouse. Preferably, the identifier is an identification number, via which the payout point can be uniquely identified. The identification number may have information about the location of the payout point, preferably the location-specific information is GPS based data, so that the payout point can be located. With particular preference, the identification of the payout office is transmitted to the clearing office upon activation of the clearing office via the payout office.

In principle, the input of the user identification and the user verification can be entered for registration at the clearing office via a control panel at the payout office. However, a preferred development of the invention provides that the communication means specified in the clearing office is connected to the payment office on the means of communication, an app of the clearing office is opened via the app of the clearing office, the input of the user identification and the user verification of the disbursement is requested, the entry of the user identification and the user verification via the open on the communication means app of the accounting office and is transmitted to the server system of the accounting office. The transmission of the input can take place both via a direct connection of the communication device with the clearing office as well as the payout point to the clearinghouse. In this way, the user logs on the input of user identification and user verification on the associated with the payout Communication means at the clearinghouse. In connection with the payment point identification number transmitted to the clearing office, it can be registered in this way that the registered or identified user stands in front of the payment office identified via the identification number. By entering the user identification and the user verification on the means of communication, the user avoids the touch of the payout point and reduces the risk of infection by unclean payouts.

A communication means is preferably understood to mean a mobile telephone. The communication means is particularly preferably an internet-capable communication medium, preferably the communication means is a tablet PC or a smartphone.

In this context, a preferred embodiment of the invention provides that the communication means is connected via a wireless communication link with the payout point. The wireless connection is preferably a near-field communication connection, a Bluetooth connection, BLE beacon or iBeacon, a WLAN connection, an RFID connection or a telecommunication connection. In this way, different means of communication can be connected wirelessly via different connections with the payout. According to a further embodiment of the invention, it may preferably be provided that the wireless communication link between the communication means and the payout agency is a bidirectional connection, in which data are placed both by the communication means in the direction of payment and by the payout agency in the direction Communication means are transmitted. In particular, it may be provided that security-relevant data, such as a PIN (personal identification number), is transmitted via the near-field communication connection. For this purpose, provision may be made, for example, for the payout point, after establishing the near field communication connection to the communication means, to enter a prompt for input sends a PIN to the communication means and - this request nachkommend - a corresponding PIN from the communication means via the Nahfeldkommunikations- connection is returned to the payout point. As a result of the clearly limited communication range of corresponding near-field communication connections, it is thus possible to prevent corresponding data from being intercepted and misused by third parties in an unauthorized manner. , Accordingly, it may be provided according to the invention that the means of communication and / or the point of sale has technical means for carrying out the abovementioned near-field communication. To further increase communication security, it may be provided that a location check of the communication means is performed and the determined location data are compared with the position of the payout. For this purpose, it can be provided, in particular, that the location data of the communication device is checked via a plurality of preferably independent means, such as the position determination by means of GPS data and the position determination by determining the mobile radio cell (s) used and / or by Wifi. Information (such as W-LAN network IDs). The thus determined position data of the communication means may preferably be transmitted to the payout agency by means of a near field communication connection and there adjusted with position deposited in the payout position information. In this way, for example, it can be ensured that the means of communication is actually in communication range of the payout point. Accordingly, it may be provided according to the invention that the communication means and / or the payout agency has technical means for carrying out the abovementioned communication as well as for determining the position.

A further preferred development of the invention lies in the fact that the input of the user identification and / or the user verification and / or the payout amount takes place in the communication means and after the input the communication means via the wireless communication link is connected to the payout point and the input is transmitted via the payout point to the clearing house. In this way, the transaction process can be accelerated since the input of the user identification, the user verification and the payout amount can be made independently of the registration at the payout.

A further preferred development of the invention lies in the fact that the user identification is an alphanumeric character sequence which is assigned once in the clearing office and is entered by the user. In this way, the user can log on to the clearing office by entering the alphanumeric string at the point of sale or via the means of communication associated with the payout point.

In accordance with a further embodiment of the invention, it can be provided that the communication means is set up to receive some or all of the data relevant for the settlement of the payment prior to the establishment of a communication connection for exchanging data with the payout office. As a result, the expiry of the payment can be significantly accelerated, whereby the time that a user the payout physically occupied can be significantly reduced. This, in turn, can reduce the formation of user queues before payouts. It may be provided in particular that the communication means is set up such that such Vorabeingabe information is possible only within a definable time interval before the execution of the payout, for example, to prevent abusive Vorabdateneingabe and / or use of the data entered by unauthorized third parties ,

According to a further preferred embodiment of the invention, it is provided that the user verification is a PIN and / or a biometric identification feature of the user. To increase security, however, a preferred development of the invention provides that the PIN is an alphanumeric string entered by the user. The alphanumeric string can be entered from the control panel at the point of disbursement or in the means of communication associated with the disbursement point. The biometric identification feature of the user may preferably be a user's fingerprint, an user's iris scan, or a user's face recognition. The interrogation of the biometric recognition feature can be done via a collection unit located at the payout office or connected to the payout office or via the communication means associated with the payout office. Preferably, an app for scanning the fingerprint and / or scanning the iris and / or scanning the face is installed on the communication means.

In one embodiment of the invention, it can preferably be provided that several recognition features are queried simultaneously for user verification. Thus, it may in particular be provided that a check of biometric features takes place simultaneously with the entry of a PIN. This is e.g. ensures that the PIN is actually entered by the authorized user whose biometric features are stored. To further secure the system against unauthorized use by third parties, it may be provided in particular that a review of biometric features is repeated at different points in the process sequence according to the invention.

It may also be provided according to an embodiment of the invention that a PIN within a limited time interval must be entered and / or the input speed, ie the time interval between two alphanumeric inputs, checked, the exceeding of a definable time interval between two inputs leads to an abort of the input. This ensures that the PIN has been entered by a user who knows the PIN by heart. - egg

If the user verification is a PIN and a biometric identification feature of the user, it is preferably provided that the PIN is entered via the control panel at the payout point or in the communication means connected to the payout point and the biometric identification feature of the user is arranged at the payout point or the collection unit associated with the payout office or via the communication means associated with the payout office.

In principle, the payment amount can be entered via the operator panel at the payout point. A preferred embodiment of the invention, however, provides that after the positive comparison of the user verification via the app of the billing office, the input of the payout height is queried and entering the payout on the open on the communication means app of the billing agency and is transmitted to the server system of the billing agency , In this way, entering the payout height does not require touching the control panel at the point of delivery, thereby reducing the user's risk of infection from touching a bacterial control panel. In principle, the transmission of the query and / or the input can take place both via a direct connection of the communication device with the clearing office and via the payout point to the clearing office.

In order to increase the security of the transaction process, a further preferred development of the invention provides that a confirmation of the transaction is requested by the clearing office upon confirmation of the payout account. Preferably, the transaction verification is a biometric identification feature of the user, which is recorded via the collection unit located at the pay-out point or connected to the payout point or via the communication means connected to the payout point, transmitted to the clearing office and sent to the payroll office. le stored biometric identification feature is checked. In this way, a user-related transaction verification is queried.

However, it is particularly preferred that the transaction verification is a transaction PIN generated by the clearing office, the transaction PIN is transmitted to the means of communication specified in the clearing office and communicatively connected to the clearing office and / or to the payout point, the user the transaction medium transmits the transaction PIN at the point of payment and / or in the means of communication, the input to the server system of the billing point sent is matched with the transaction PIN generated by the clearing point and, in the case of a positive balance, the payment amount is released to the point of disbursement is transmitted. Basically, the transmission of the query and / or the input both via a direct connection of the communication device with the clearing office as well as the payout point to the clearinghouse.

If the transaction PIN generated by the clearing office is transmitted to the communication means, then it is preferably provided that the entry of the transaction PIN takes place via the control panel at the payment office. In this way it can be ensured that the user stands with the means of communication in front of the payout point. However, it is particularly preferred that the transaction PIN generated by the clearing office is transmitted to the payout office and that the transaction PIN is entered via the communication means. Thus, it can also be ensured that the user stands in front of the payout point. In addition, the contact with the payout point is avoided in this way.

In this connection, a further preferred development of the invention provides that the transaction PIN is an alphanumeric character string. The alphanumeric String can be generated quickly using simple means based on the random principle.

According to a further preferred embodiment of the invention, it is provided that the transaction PIN is transmitted as text message (SMS) or picture message (MMS) to the communication means. In this way, a simple method of transmitting the transaction PIN is provided. For the transmission of the transaction PIN to the communication means, it is preferably provided that the transaction PIN is transmitted via a direct connection between the clearing office and the communication means. The direct connection is preferably a telecommunication connection.

Furthermore, a preferred development of the invention provides that the transaction PIN generated by the clearing office is generated transaction-related. Preferably, the transaction PIN is tied to the payout amount and / or the payout point. Most preferably, the transaction PIN contains information about the transaction time and / or the user. This ensures that the transaction PIN can not be used for other transactions.

A further particularly preferred development of the invention provides that when the user is approached at the clearing office, a transaction number is generated and the transaction number is transmitted at each request or transmission. In this way, every query and every transmission of a transaction via the transaction number can be uniquely assigned at a later date. The transaction number preferably contains pointers to the payout point, the user identification and information at the time of the transaction. A further preferred embodiment provides that the transaction is stored in the clearing office. In this way, the transaction can be viewed at a later date. In order to ensure secure data transmission during a transaction process, a further preferred development of the invention provides that each transaction transaction is encrypted. It is particularly preferred that each transmission of an input, in particular the input and transmission of the user identification and the user verification and / or the input and transmission of the transaction PIN be encrypted. In this way, the security of data transmission can be increased and data misuse by unauthorized persons can be prevented.

In this connection, a further preferred development of the invention provides that the encryption is a cryptographic encryption. In this way, the encryption of the transmitted data can be increased in order to make misuse of the data more difficult or uneconomical.

Furthermore, a preferred embodiment of the invention is that each transaction transaction is checked by means of a check-sum. The check sum represents a simple measure for the approximate assurance of data integrity during data transmission and / or data storage. In this way, data security can be increased during the transaction.

According to a further advantageous development of the invention, it is provided that in the case of multiple erroneous input of the user verification and transmission of the erroneous input to the clearing office, the user identification in the clearing office is blocked. It is particularly preferably provided that in the case of preferably three incorrect entries of the user verification and transmission of the erroneous input to the bill of the user identification in the clearing office is blocked. In this way, a security mechanism is provided that makes it difficult for unauthorized persons to find out the user verification for a user identification by pure trial and error. Furthermore, a further preferred development of the invention provides that after querying the payout amount and / or after requesting the transaction PIN to enter the respective input and transmission within a predetermined or specified time and to the server system of the billing center is to be transmitted and exceeding the predetermined or the time the transaction transaction or cash-out process is terminated. Furthermore, it is preferably provided that in the case of an interruption of the communicating systems, in particular in the case of a connection interruption between the communication means connected to the payout point and / or a connection interruption between the clearing office and the billing account office, the transaction process or cash payment process is terminated. In this way it is ensured that in the event of a missing input and / or a connection interruption, the transaction process is aborted and terminated or processed. This can be advantageous if the user is disturbed when entering the payout amount and leaves the payout office without canceling or processing the transaction transaction.

A further preferred development of the invention provides that when the transaction is processed, a transaction summary is transmitted to the means of communication specified in the clearing office. In this way, the user is informed that a cash payment has been made in the corresponding payout amount from his billing discount at billing discount. The transaction summary preferably contains information about the payout point and the time of the cash payment. Finally, a preferred embodiment of the invention provides that the billing center is an integral part of the billing account office. In this way, the speed and security of data transmission can be increased.

The invention also relates to a system for cash payment at an automatic payout point, comprising

a disbursement agency, a billing agency associated with the disbursement agency and a billing agency service agent associated with the clearing office, wherein

the clearing office is different from the billing account office and registration data of a user are stored in the server system of the clearing office, the registration data, which includes the determination of a user identification, the specification of a billing account at the billing account, the determination of a user verification and the specification of a means of communication.

In this way, a user can register by entering the user identification and the user verification at the point of payment and by submitting the entry to the clearing office at the clearinghouse. In the clearing office, the transmitted user identification and the transmitted user verification are compared with the user identification and user verification stored in the clearing office. In the case of a positive reconciliation, the entry of a payout amount which the user inputs via the payout point and sends to the clearing office is queried. The clearing house asks for a confirmation when settling a cash discount. The billing account office checks the payout amount and, if the result is positive, the payout office sends a release of the payout amount to the payout office and to the clearinghouse. The payoff pays out the payout amount equal to the paid payout amount to the user. A further preferred embodiment provides that the payout point has a detection unit for detecting biometric recognition features. In this way, the user verification may be a biometric feature of the user that is captured via the capture unit.

According to a further preferred embodiment of the invention, provision is made for a connection device to be provided at the payout point and for the communication means specified in the clearing point to be communicatively connectable to the clearing point via the connection device. In this way, the user can preferably input the input of the user identification and / or the user verification and / or the payout amount and / or a transaction verification in the form of a biometric recognition feature or a transaction PIN via the communication means and transmit it to the clearing office. In this way, contacts of the payout point can be reduced and infection by a contaminated payout point can be reduced.

A further preferred embodiment of the invention provides that the payout point is a checkout or pay office in a bank, a shop or at a gas station. In this way, the user can withdraw money at the checkout or payment point or withdraw.

Finally, it should be noted that the description of the method according to the invention for cash payment at a clearing office also applies to the system according to the invention for the payment of money at a clearing office.

In that regard, the invention also includes a means of communication and / or a payout that are technically configured to perform the method described above. The invention will be explained in more detail with reference to preferred embodiments. In the drawings show:

1 shows schematically a clearing point, according to a preferred embodiment of the invention,

1 a shows a sequence of a method for payment of money at a point of disbursement, according to a preferred exemplary embodiment of the invention; FIG. 2 shows a first further sequence of a method for payment of money at a point of disbursement, according to a further preferred exemplary embodiment of the invention;

3 shows a second further sequence of a method for payment of money at the point of payment, according to a further preferred embodiment of the invention,

Fig. 4: a schematic representation of a procedure for cash payment at the

Disbursement point, according to another preferred embodiment of the invention.

FIG. 1 shows the structure of a clearing office 100 in which a user logs in once in advance for payment of money at an automatic payment office. In the server system of the clearing office 100, a user identification 110 is created for the user, stating a billing account 120, at a billing account office, a user verification 130 and a communication means 140. In addition, 100 additional security settings for selecting a transaction verification can be stored in the clearing office and / or information on the payment process or on the bill of exchange. be deposited. The information about the payout process or the billing process may be details of the payout limit per transaction transaction and / or information on the amount of a deposited deposit and / or information on the amount of the credit volume and / or information on the maximum amount of a direct debit. In principle, the clearing office 100 can each have a user identification 110 for a multiplicity of users.

In FIG. 1 a, a sequence of a method for payment of money at a payout point 200 is shown. The payout point 200 is communicatively connected to the server system of the clearing office 100. Upon activation of clearinghouse 220 at disbursement center 200, user 400 initiates the process of disbursing cash at automatic disbursement center 200.

By activating the billing center 220, the user 400 is requested to log on to the billing center 100 via the input and transmission of the user identification 110 and the user verification 130. Preferably, the user identification 110 is an alphanumeric character string with which the user 400 can be uniquely identified by the clearing office 100. The user verification 130 is presently also an alphanumeric string. In this way, the user 400 can register by entering the user identification 110 and the user verification 130 via a control panel at the payout point 200 in the server system of the clearing office 100.

The input is transmitted to the billing center 100 and compared with the user identification 110 and the user verification 130 stored in the server system of the clearing office 100. In the case of a positive comparison of the user verification 130, the clearing office 150 queries the payout amount 150. The user 400 inputs the payout amount 150 via the payout point panel 200 and the input is transmitted to the server system of the clearing office 100. From the server system of the billing At 100, a confirmation of the payout amount 240 is requested at the billing account office 300. The billing account office 300 checks the payout amount 150. In the case of a positive result, a release of the payout amount 180 is sent to the clearing office 100.

Upon the release of the payment amount 180 or confirmation of the billing account 300 to the clearing office 100, the release of the payment amount 180 via the clearing office to the automatic payout point 200. About the payout 200, the payout amount in the payout amount 150 is paid to the user 400 , In addition, the payout agency 200 transmits a payout confirmation 260 to the clearinghouse 100. The clearinghouse 100 forwards the payout confirmation 260 to the billing account office 300.

FIG. 2 shows the method of payment of money already known from FIG. In contrast to the method known from FIG. 1a, the release of the payment amount 180 or confirmation of the billing account 300 by the clearing office 100 is followed by the request for a transaction verification 190. In the present case, the transaction verification 190 is a transaction PIN 160 generated by the clearing office 100. which is transmitted to the communication means 140 indicated in the clearing office 100 in the form of a text message and / or image message. The user 400 reads out the transaction PIN 160 and enters the transaction PIN 160 via the control panel of the payout point 200. The input of the transaction PIN 160 is transmitted to the server system of the clearing office 100 and matched with the generated transaction PIN 160. In the case of a positive comparison, the clearing office 100 transmits the release of the payout amount 180 to the payout point 200.

The payout amount 200 in the payout amount 150 is paid to the user 400 via the payout point 200. In addition, the payout point 200 transmits a payout Confirmation 260 to the clearinghouse 100. The clearinghouse 100 forwards the disbursement confirmation 260 to the settlement discount account 300 and also sends a transaction summary 170 to the communication means 140 indicated in the clearing house 100.

FIG. 3 shows the user's registration via the communication means 140 specified in the clearing office 100. Upon activation of clearinghouse 220 at disbursement center 200, communication means 140 is communicatively connected to disbursement center 200 via a wireless communication link 230. In addition, an app of the clearing office 100 is started on the communication means 140. Via the app of the clearing office 100, the request to enter the user identification 110 and the user verification 130 takes place.

In the present case, the user identification 110 is an alphanumeric character string which is input via the communication means 140 and the user verification 130 in the present case is a biometric identification feature of the user 400, which is detected via the communication means 140. The user identification 110 and the user verification 130 are transmitted via the payout point 200 to the server system of the clearing office 100 and matched in the clearing office 100. Likewise, an identification of the payout point 210, via which the payout point 200 is uniquely identifiable, is transmitted to the server system of the clearing office 100. In this way, the user logs on via the input of the user identification 110 and the user verification 130 on the communication means 140 connected to the payout point 200 and the transmission of the identification number at the clearing office 100. It can therefore be registered in the clearing office 100 that the registered or identified user is in front of the payout point 200 identified via the identification number. By entering the user identification 110 and the user verification 130 on the communication means 140, the user avoids the touch the payout 200 and reduces the risk of infection by unclean payouts 200.

In the case of a positive comparison of the user identification 110 and the user verification 130 in the server system of the clearing office 100, the payout amount 150 is queried via the app of the clearing office 100 on the communication means 140. The user enters the payout amount 150 on the communication medium 140. The input of the payout amount 150 is transmitted to the server system of the clearing office 100. The communication takes place in each case via the payout agency 200th

In the present case, the transaction verification 190 is a transaction PIN 160 generated by the clearing office 100, which is transmitted to the communication means 140 in the form of a text message and / or image message. The user enters the transaction PIN 160 at the payout point 200 and transmits the input to the server system of the clearinghouse 100, where the entry is matched against the generated transaction PIN 160. Preferably, the transaction PIN 160 is tied to the payout amount 150 and / or the payout point 200. This ensures that the transaction PIN 160 can not be used for other transactions.

In the case of a positive comparison of the transaction verification 190 in the server system of the clearing office 100, a confirmation of the payment amount 240 at the billing account office 300 is requested via the server system of the clearing office 100. The billing skoun- ding center 300 checks the payout amount 150, and if the result is positive, a release of the payout amount 180 is transmitted to the clearing office 100.

About the payout 200, the payment is made in the payout amount 150 to the user 400. In addition, the payout agency 200 transmits a payment confirmation 260 The clearinghouse 100 forwards the disbursement confirmation 260 to the settlement discount account 300 and also sends a transaction summary 170 to the communication means 140 indicated in the clearing house 100. It is basically provided that when the user 400 logs on to the clearing house 100 a transaction number is generated and the transaction number is transmitted on each request or transmission. In this way, every query and every transmission of a transaction via the transaction number can be uniquely assigned at a later date. The transaction number preferably contains pointers to the payout point 200, the user identification 110 and information at the time of the transaction.

In order to ensure secure data transmission during a transaction process, each transmission of an input, in particular the input and transmission of the user identification 110 and the user verification 130 and / or the input and transmission of the transaction PIN 160 is encrypted cryptographically.

Furthermore, it is provided that each transaction transaction is checked by means of a check-sum. The check-sum is a simple way to approximate data integrity during data transfer and / or data storage. In this way, data security in the transaction can be increased.

In the case of multiple erroneous input of the user verification 130 and transmission of the erroneous input to the clearing office 100, the user identification 110 in the billing section 100 is blocked. It is provided that if the user verification 130 is entered incorrectly and the erroneous input is transmitted to the clearing office 100 three times, the user identification 110 in the clearing office 100 is blocked. On In this way, a security mechanism is provided which makes it difficult for unauthorized persons to find the user verification 130 for a user identification 110.

After requesting the payment amount 150 and / or after requesting the transaction PIN 160, the respective input and transmission must be entered within a predetermined or specified time and transmitted to the server system of the clearing office 100. If the predetermined or fixed time is exceeded, the transaction process or cash-out process is aborted. This ensures that if there is no input, the transaction process is aborted and terminated or processed. This can be advantageous if the user is disturbed when entering the payout amount 150 and leaves the payout point 200 without canceling or terminating or processing the transaction transaction.

FIG. 4 shows a procedure for paying out cash at the automatic payout point 200. The user activates at the payout point 200 with the payout 200 communication technology associated billing center 100. By activating the payout point 220 is also the identifier of the payout point 210 through which the payout point 210 is uniquely identifiable, transmitted to the clearinghouse 100. Furthermore, the user connects the communication means 140 via a wireless communication link 230 to the payout point 200 and starts an app of the clearing office 100 on the communication means 140.

The activated billing center 100 queries the input of the user identification 110 and the user verification 130 via the payout point 200 on the communication means 140 connected to the payout point 200. The user inputs the user identification 110 and the user verification 130 via the communication means 140. The input of the user identification 110 and the user verification 130 are transmitted via the payout point 200 to the server system of the clearing office 100. In the server system of the clearing office 100, the transmitted input of the user identification 110 and the user verification 130 is compared with the user identification 110 and user verification 130 stored in the server system of the clearing office 100. In the case of a positive comparison, the clearing office 100 queries the payout amount 150 via the payout point 200 on the communication medium 140.

The user inputs the payout amount 150 via the communication means 140 and transmits the entry via the payout point 200 to the server system of the clearing office 100.

From the server system of the clearinghouse 100 a confirmation of the payout amount 240 is requested at the billing account office 300 for the account specified in the clearinghouse 100 billing skonto. In the billing account office 300, the payout amount is checked and in the case of a positive notification, a release of the payout amount 180 is transmitted to the clearing office 100.

The clearing house 100 queries a transaction verification 190, preferably in the form of a biometric recognition feature, via the communication means 140. For this purpose, a direct connection between the clearing office 100 and the communication means 140 may be present. Alternatively, the interrogation of the biometric recognition feature may be directed to the communication means 140 via the payout point 200.

On the communication means 140 of the payout agency 200 requested transaction verification 190 is detected and transmitted to the clearinghouse 100. The transmission of the transaction verification 190 can be transmitted via a direct connection of the communication means 140 to the clearinghouse 100 or via the payout agency 200 to the clearinghouse 100. In the server system of the clearing office 100, the transaction verification 190 transmitted to the clearing office 100 is compared with the user's transaction verification 190 previously stored in the clearing office 100. If the result is positive, the clearinghouse 100 transmits the release of the payout amount 180 to the payout point 200.

Disbursement 250 of the disbursement amount to user 400 is made by disbursement agency 200. Disbursing agency 200 transmits a disbursement confirmation 260 to clearinghouse 100. Clerk 100 transmits disbursement confirmation 260 to billing account office 300 and transmits a transaction digest 170 to the communication agent 140. The transaction is handled by it.

reference numeral

100 clearinghouse

110 user identification

120 billing account

130 user verification

140 means of communication

150 payout

160 transaction PIN

170 Transaction Summary

180 Release of the payout amount

190 transaction verification

200 payout point

210 Identification of the payout office

220 Activation of the clearing house

230 Wireless communication connection

240 Confirmation of the payout amount

250 payout

260 Payment confirmation

300 billing account office

400 users

Claims

claims

Method of paying out cash at an automatic disbursement office (200), comprising the following steps:

One-time registration of a user at a clearing office (100) and determination of a user identification (110), specification of a billing account (120) at a billing account office (300), wherein the billing account office (300) is different from the clearing office (100), determination of a user verification ( 130) and specification of a communication means (140) and deposit of the credentials in a server system of the clearinghouse (100);

Activating the clearing house (220) at a payout point (200) by the user, the payout point (200) being communicatively connected to the server system of the clearing house (100);

Registering the user at the clearinghouse (100) by entering the user identification (110) and the user verification (130) and transmitting the user identification (110) and the user verification (130) to the server system of the clearing house (100);

Comparison between stored user verification (130) and entered user verification (130) within the server system of the clearing office (100);

If the user verification is positive (130), transmission of a query for input of a payout amount (150);

Inputting the payout amount (150) and transmitting the input to the server system of the clearing house (100);

Requesting a confirmation of the payout amount (240) at the time of billing discount (300); Upon confirmation of the payout amount (150) by the billing account office (300), transmitting a release of the payout amount (180) to the clearinghouse (100) and to the payout point (200);

Payment of the payout amount (150) by the payout office (200);

Transmitting a disbursement confirmation (260) to the clearinghouse (100) and the billing account office (300);

Settlement of the transaction.

Method according to Claim 1, characterized in that the communication means (140) specified in the clearing office (100) is connected in terms of communication with the payout point (200), an app of the clearing office (100) is opened on the communication means (140) via the App the clearinghouse (100) the input of the user identification (110) and the user verification (130) of the payout (200) is queried, the input of the user identification (110) and the user verification (130) on the communication means (140) opened App of the clearinghouse (100) takes place and is transmitted to the server system of the clearinghouse (100).

A method according to claim 2, characterized in that after the communication means (140) via a wireless communication link (230) with the payout point (200) is connected.

Method according to one of claims 1 to 3, characterized in that the user verification (130) is a PIN and / or a biometric identification feature of the user. the user verification (130) is a biometric identification feature of the user. Method according to one of claims 2 to 4, characterized in that after the positive comparison of the user verification (130) via the app of the clearing office (100) the input of the payout amount (150) is queried and entering the payout amount (150) on the on the communication means (140) opened app of the clearinghouse (100) takes place and is transmitted to the server system of the clearinghouse (100).

Method according to one of claims 1 to 5, characterized in that upon confirmation of the payout account (300) on the payout level (240) from the clearinghouse (100) a transaction verification (190) is queried.

Method according to Claim 6, characterized in that the transaction verification (190) is a transaction PIN (160) generated by the clearing office (100), the transaction PIN (160) is that specified in the clearing office (100) and the clearing office (100) communication-related means of communication (140) and / or to the payout point (200) is transmitted to the user to the communication means (140) transmitted transaction PIN (160) at the payout (200) and / or in the communication means (140) inputting the input to the server system of the clearinghouse (100) and reconciling it with the transaction PIN (160) generated by the clearinghouse (100) and releasing the disbursement amount (180) to the disbursement office (30) in the case of a positive reconciliation ( 200) is transmitted.

A method according to claim 7, characterized in that the transaction PIN (160) as a text message (SMS) or picture message (MMS) is transmitted to the communication means (140).

9. The method according to any one of claims 1 to 8, characterized in that after querying the payout height (150) and / or after requesting the transaction PIN (160) to enter the respective input and transmission within a predetermined or predetermined time and to the server system the clearinghouse (100) is to be transmitted and if the predetermined or fixed time of the transaction transaction or cash payment process is aborted.

10. The method according to any one of claims 1 to 9, characterized in that when processing the transaction a transaction summary (170) to the specified in the clearing office (100) communication means (140) is transmitted.

11. A system for performing a method according to any one of claims 1 to 10, wherein the system comprises at least one payout point (200), which is technically adapted for communication with a mobile communication means (140).

The system of claim 11, wherein the payout point (200) comprises means for establishing a bidirectional near field communication link to the communication means (140).

13. The system of claim 12, wherein the means for establishing a bidirectional near field communication connection are adapted to at least one connection selected from the group consisting of a Bluetooth connection, BLE beacon or iBeacon, a WLAN connection and an RFID Establish connection.

14. System according to any one of claims 11 to 13, wherein said means for simultaneous

Detecting at least two recognition features of a user. A system according to any one of claims 11 to 14, wherein said means comprises means for determining location data of the mobile communication means (140) and / or the disbursement agency (200).