Abstract
A group of inventions relates to an omnichannel system for providing financial and/or bank services, the system comprises a universal physical device for an interactive interaction between a client and at least two financial and/or bank services providers, and a method for providing financial and/or bank services using said system, and which enable to provide an end user with a wide range of the financial and/or bank services within a single interface window on a single peripheral device by using algorithms for processing, filtering, and identifying a client request to the single omnichannel system from all financial and/or bank services providers coupled thereto with the corresponding services and provide an alternative during selection of a certain provider when receiving the above-mentioned service without a need in conduction of a re-identification of the user, thereby facilitating and accelerating the process of providing bank and/or financial services in general.
Claims
1. An omnichannel system for providing financial and/or bank services, the system comprising a universal physical device for a client's interactive interaction with at least two financial and/or bank services providers, the device comprising: an automated client identification unit that is a client identification system that is configured to be integrated with one of the financial and/or bank services providers, the client identification unit comprising an identification based on a contactless reading (NFC) and/or a bank card reading and/or a phone number (MSISDN) inputting; a database of coupled and/or registered financial and/or bank services providers; an integration omnichannel module that is configured to be integrated with at least two service channels of the at least two financial and/or bank services providers; a united integration platform for coupling the integration omnichannel module to the at least two financial and/or bank services providers via the protocol ISO 8583 with a processing center and/or via a request to an automated bank system (ABS) of the financial and/or bank services provider via a secured communication channel or via an API protocol, and that interacts with the omnichannel module via a REST API protocol; and a software and hardware unit configured to activate at least two external features of the financial and/or bank services providers by means of lighting and/or video and/or LED indication.
2. The omnichannel system for providing financial and/or bank services according to claim 1, characterized in that the service channels of the at least two financial and/or bank services providers are currency exchange and/or ATM services and/or international transfers and/or payment systems services and/or emission of bank cards and/or smart contracts.
3. The omnichannel system for providing financial and/or bank services according to claim 1, characterized in that the external features of the financial and/or bank services providers are a logo and/or a trademark and/or corporate colors.
4. A method for providing financial and/or bank services by means of the omnichannel system according to claim 1, the method comprising: a step of automated client identification by means of an automated identification unit that is a client identification system that is integrated with one of the financial and/or bank services providers, the unit comprising identification based on a contactless reading (NFC) and/or a bank card reading and/or a phone number (MSISDN) inputting; a step of verifying an availability of the financial and/or bank services providers coupled to the system; a step of selecting, from at least two available service channels, at least two financial and/or bank services providers integrated with the integration omnichannel module; a step of activating a profile of the financial and/or bank services provider relative to the service channel selected at the previous step by means of a direct coupling of the united integration platform that interacts with the omnichannel module via a REST API protocol to external bank services via a ISO 8583 protocol with a processing center and/or via a request to an automated bank system (ABS) of the financial and/or bank services provider via a secured communication channel or via an API protocol; and a step of activating at least two external features of the financial and/or bank services providers by means of lighting and/or video and/or LED indication.
5. The method for providing financial and/or bank services according to claim 4, characterized in that the service channels of the at least two financial and/or bank services providers are currency exchange and/or ATM services and/or international transfers and/or payment systems services and/or emission of bank cards and/or smart contracts.
6. The method for providing financial and/or bank services according to claim 4, characterized in that the external features of the financial and/or bank services providers are a logo and/or a trademark and/or corporate colors.
Description
BRIEF DESCRIPTION OF THE DRAWINGS
[0023] An exemplary embodiment of the system and method, according to the group of inventions, is illustrated by the drawings, which depict the following:
[0024] FIG. 1 illustrates main elements of the omnichannel system for providing financial and/or bank services by means of the universal physical device for the interactive interaction between the client and at least two financial and/or bank services providers, the devices is in the form of the SHC, and the algorithm for performing the method for providing financial and/or bank services using said system.
[0025] FIG. 2 illustrates main elements of the integration omnichannel module that is integrated with services channels of ten financial and/or bank services providers.
[0026] FIG. 3 schematically depicts a structure of the physical device for the interactive interaction between the client and ten financial and/or bank services providers in a form of an interactive ATM and a digital component of such interaction.
IMPLEMENTATION OF THE GROUP OF INVENTIONS
[0027] The group of inventions is implemented in several embodiments according to the examples mentioned below.
[0028] FIG. 1 illustrates main elements of an omnichannel system for providing financial and/or bank services by means of a single interface window of a main screen 1 of a universal physical SHC device for an interactive interaction between the client and at least two financial and/or bank services providers, the device comprises a client automated identification unit 2 that is a client identification system that is integrated with one of financial and/or bank services providers and includes an identification of a user based on NFC 3 and/or reading a bank card 4 and/or inputting a phone number MSISDN 5. According to the proposed invention, the client performs a selection from at least two above-described identification methods on their own, and thereafter the system performs an automatic verification of whether this provider is present among those coupled and/or registered in a database 6 of the coupled providers and performs the client automated identification. If it is not possible to perform the automated identification due to an absence of the bank and/or financial services provider among those coupled and/or registered in the database 6, the user will select the bank manually from a list 7 on the screen 1 that comprises from two to six bank and/or financial services providers. Upon conduction of the client automated identification in the automated identification unit 2 or upon the client's own manual selection of the bank from the list 7 on the screen 1, the system moves to a step of selecting, from at least two available services channels, at least two financial and/or bank services providers which are integrated with an integration omnichannel module 8, including ATM services 9 and/or currency exchange 10 and/or international transfers 11 and/or emission of bank cards 12 and/or payment systems services 13 and/or smart contracts 14, although it should be appreciated that any other types of service channels which are provided in the field of financial and/or bank services may be used without falling beyond the concepts of the present invention. Therewith, in case of failure or absence of the service among the bank and/or financial services in the requested provider as selected/requested by the client, the client will be suggested to return to the main screen 1 or to receive the required service in another bank and/or financial services provider without returning to the main screen 1 of the complex, which does not require any re-identification of the client and significantly accelerates and facilitates the process of receiving said service by the client. Upon selection of the available service channel by the client, the system will activate 20 a profile of the bank and/or financial services provider that provides this service by means of a direct coupling of a single integration platform 15 of the integration omnichannel module 8 to external bank services 16 via ISO 8583 protocol with a processing center 17 and/or via a request to an ABS 18 of the bank and/or financial services provider via a secured communication channel or via an API protocol 19. Therewith, the single integration platform 15 interacts with the omnichannel module 8 having the integrated service channels via a REST API protocol 21. In order to facilitate the user's own manual selection of the bank and/or financial services provider on the main screen 1 due to their visualization, the system comprises a software and hardware unit 22 that comprises activation of at least two external features of the bank and/or financial services providers by means of a lighting 23 and/or video 24 and/or LED 25 indication. The external features of the bank and/or financial services providers include a logo and/or a trademark and/or corporate colors, although they are not limited thereto and use of any other external features is possible without falling beyond the concepts of the present invention.
[0029] FIG. 2 illustrates an exemplary embodiment of the integration omnichannel module 8 that is integrated with services channels 26 of each of the ten financial and/or bank services providers. According to the proposed scheme, the integration omnichannel module 8 is integrated with the service channels of each of the ten financial and/or bank services providers such as Bank No. 1, Bank No. 2, . . . , Bank No. 10 as depicted in FIG. 2, which include the ATM services 8 and/or the currency exchange 10 and/or international transfers 11 and/or emission of bank cards 12 and/or payment systems services 13 and/or smart contracts 14. Therewith, in case the service among the selected/requested by the client is absent in the selected bank and/or financial services provider, the client will be suggested to return to the main screen 1 or to receive the required service from another bank and/or financial services provider without returning to the main screen 1 of the complex which does not require a re-identification of the client and significantly accelerates and facilitates the process of receiving of the defined service by the client. Upon selection of the available service channel, e.g., a channel No. 1 for the Bank No. 1, a channel No. 2 for the Bank No. 2, a channel No. 3 for the Bank No. 3 or a channel No. 10 for the Bank No. 10, by the client, the system will activate a profile of the bank and/or financial services provider that provides this service by means of a direct coupling of the single integration platform 15 of the integration omnichannel module 8 to external bank services 16 via the processing center 17 and/or via a request to the ABS 18 of the bank and/or financial services provider via a secured communication channel or via the API protocol 19. Therewith, the single integration platform 15 interacts with the omnichannel module 8 having the integrated service channels via a REST API protocol 21. Thus, according to the proposed scheme, the services of emission of Visa/MC bank cards 12 and the currency exchange services 10 are provided by means of the direct coupling of the single integration platform 15 of the integration omnichannel module 8 to the external bank services 16 via the request to the ABS 18 of the bank and/or financial services provider via the secured communication channel, the ATM service 9—via the ISO 8583 protocol with the processing center PC 17, the international transfers 11 and the smart contracts 14 services—via the API protocol 19, the payment systems services 13—via the request to the ABS 18 of the bank and/or financial services provider and/or via the API protocol 19. Therewith, it should be appreciated that any other types of the service channels which are provided in the field of the financial and/or bank services may be used without falling beyond the concepts of the present invention.
[0030] FIG. 3 schematically illustrates a structure of the physical device for the interactive interaction between the client and ten financial and/or bank services providers in a form of an interactive ATM 27 and a digital component of such interaction. According to the described scheme, the omnichannel system comprises a modern, technologically complete, new-generation physical device in a form of the interactive ATM 27 that is essentially a floor for arrangement of up to ten financial and/or bank services providers therein, such as BANK No. 1, BANK No. 2, FINANCIAL COMPANY No. 3, BANK No. 4 . . . , BANK No. 10, in a form of their digital presence by means of a software integration of said providers with the omnichannel system 8 via the processing center 17 and/or via the request to the ABS 18 of the bank and/or financial services provider via the secured communication channel or via the API protocol 19 owing to the internal single integration platform 15 that interacts with the omnichannel module 8 and, thus, with other elements of the omnichannel system via the REST API protocol 21. The principle of such interaction is based on the omnichannel nature, thereby enabling to save, at various steps of performing operations with the client, its interaction history with the system and to switch the same between the service channels and the bank and/or financial services providers which provide these services. The main service channels which are integrated with the omnichannel module 8 are the ATM services 9 and/or the currency exchange 10 and/or international transfers 11 and/or emission of bank cards 12 and/or payment systems 13 and/or smart contracts 14, although they are not limited thereto and any other service channels may be used without falling beyond the concepts of the present invention. The physical implementation of the omnichannel system for providing financial and/or bank services is performed owing to the fact that the interactive ATM 27 comprises the client automated identification unit 2, which includes the identification based on the contactless reading NFC 3 and/or reading of the bank card 4 and/or inputting the phone number MSISDN 5, and the software and hardware unit 22, which includes the activation of at least two external features of the bank and/or financial services providers by means of the lighting and/or video and/or LED indication. The external features of the bank and/or financial services providers, which create a maximum recognition of a certain provider by its clients, include a logo and/or a trademark and/or corporate colors, although they are not limited thereto and use of any other external features is possible without falling beyond the concepts of the present invention.
[0031] Therefore, the proposed group of inventions enables to provide the user with a wide range of bank and/or financial services within the single interface window at the single peripheral device by using the algorithms for processing, filtering, and identifying the client request to the single integration omnichannel system from all financial and/or bank services providers coupled thereto with the corresponding services and providing the alternative during selection of a certain provider when receiving the above-mentioned service without a need in conduction of a re-identification of the user, which is implemented due to saving the history and by means of the statistical data processing by the system as to operations earlier conducted by the client, thereby, in turn, assisting in facilitating and accelerating the process of providing bank and/or financial services in general.
[0032] It should be noted that the above-described embodiments of the group of inventions should be used as an illustration only and shall not limit the scope thereof. Obvious modifications of embodiments of the group of inventions may be easily made by persons skilled in this field of art without going beyond the essence thereof.
