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WO2005064505A1 - Procede de transmission et d'execution automatique et securisee de documents physiques - Google Patents

Procede de transmission et d'execution automatique et securisee de documents physiques Download PDF

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Publication number
WO2005064505A1
WO2005064505A1 PCT/ES2003/000671 ES0300671W WO2005064505A1 WO 2005064505 A1 WO2005064505 A1 WO 2005064505A1 ES 0300671 W ES0300671 W ES 0300671W WO 2005064505 A1 WO2005064505 A1 WO 2005064505A1
Authority
WO
WIPO (PCT)
Prior art keywords
document
entity
commercial
sending
executive
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/ES2003/000671
Other languages
English (en)
Spanish (es)
Inventor
Sergio BELLIDO GONZÁLEZ
José Luis BAS URIBE
José Luis PRIETO DE GRACIA
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bankinter SA
Original Assignee
Bankinter SA
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 Bankinter SA filed Critical Bankinter SA
Priority to PCT/ES2003/000671 priority Critical patent/WO2005064505A1/fr
Priority to AU2003294999A priority patent/AU2003294999A1/en
Publication of WO2005064505A1 publication Critical patent/WO2005064505A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method of automatic and secure transmission and execution of physical documents, which provides essential novelty characteristics and notable advantages over known means and used for the same purposes in the current state of the technique. More particularly, the invention proposes the development of a method whereby it is possible to carry out a secure management, by a specific entity, of a document that has previously been sent via fax from any terminal, whether belonging to the same entity or whether it belongs to another entity.
  • the verification of the document is associated with a responsible person affects the entity, and to this effect said document may include, where appropriate, some type of code, require the intervention of the affected person, or a combination of both alternatives.
  • the document recognition process provides for the use of an OCR system, and the use of SMS messaging for communication with the person responsible for the operation.
  • the field of application of the invention is comprised within the communications sector, especially in its application to communication between entities for automatic or semi-automatic realization of secure transactions.
  • the method includes sending a document via fax to a fax reception server; verification of the authenticity of the document; the use, in the most usual case, of an OCR recognition system; sending data to an SMS messaging platform, and from it, to the commercial or executive manager; the response by the latter to the SMS platform where the relevant checks are made, and the confirmation sent to the fax server for the purpose of executing the OCR recognition of the document, all these phases being prior to the execution of the document.
  • the codes or other type of means of verification and / or confirmation that are included in relation to the different operations may vary depending on the needs of each specific application.
  • the document corresponding to said current account registration is sent by fax, from any terminal .
  • the fax terminals from which the document is sent and received may belong to the same entity or may belong to two different entities, without affecting the operation of the process usually.
  • the document sent will normally be linked to a person responsible for the executing entity, for example a commercial or executive responsible, such as a proxy of the banking entity or a similar responsibility, being this person in charge of verifying the authenticity of the document.
  • the authenticity verification operation of the document by. part of the person responsible, it can be done with the use of a specific telephone extension for the commercial or executive manager, or it can be carried out based on an "employee code" that will be included in the document itself, or it can be considered a combination of both possibilities.
  • code use which in practice represents the most common situation, the system carries out a stage of prior recognition of the fields of the document that identify the commercial or executive manager through the use of an OCR (Optical Character) device Recognition, or Optical Character Recognition), storing the document in an appropriate database, preferably of Oracle type, and leaving said document in a "pending confirmation" situation, and storing the extracted data in a readable format for the server.
  • OCR Optical Character
  • Said fax reception server then executes a step of sending the identification data of the commercial manager, which depending on the alternative chosen will have been obtained by telephone extension or have been extracted from the document), to another server or platform SMS messaging, which sends an SMS message to the person in charge, indicating the data that allows the identification of said document (for example, the date and time, the type of document, the originating fax terminal, .. . , etc) .
  • the commercial or executive manager must respond to the message received with another SMS message in which they must include some type of security code (for example, a combination of numbers or any other key system previously established internally in the receiving company) , being all this phase managed by the SMS platform.
  • the SMS response When the SMS response is received on the platform, it carries out an authentication stage of the commercial manager, and if all this is compliant, sends a confirmation to the fax server, which executes the OCR recognition of the complete document that had previously been stored in the Oracle type database, and extracts the necessary document data to perform the transaction, and stores them in any type of format that is readable by the receiving entity's systems, such as, for example, the XML format.
  • the document goes into a "pending review" state.
  • the system may issue a computer alert (for example, an e-mail) to an operator who, through the use of a computer application, will review the quality of the OCR recognition, and will correct data that has not been recognized correctly.
  • a computer alert for example, an e-mail
  • this review stage may not be necessary, in which case it will be omitted.
  • the system marks the document as in "running" state, and It carries out the next stage in which it sends the data obtained, for example in XML format, to the central system of the receiving entity so that it executes the transaction (in the supposed case, the registration of the current account).
  • the system will mark the document as "executed.”
  • the central system of the receiving entity will mark the document as "high pending documentation” instead of "executed” as it happened in the previous case, so that once the reception of the documentation has been communicated to said central system, a transaction will be carried out to change the status of "pending" to the "registration completed completely”.
  • the system may be able to carry out the sending of some confirmation data through the use of an SMS message or through any other system, including references to the operation number (for example, the checking account number) both to the issuer of the document and to the commercial or executive manager.
  • the system may offer, by means of a web page or any other system, an exact copy of the document received and the data of the executed operation, as well as a follow-up of the steps performed during the operation.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Human Resources & Organizations (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Data Mining & Analysis (AREA)
  • Development Economics (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Facsimiles In General (AREA)

Abstract

L'invention concerne un procédé permettant l'exécution sécurisée d'un document physique par le système central d'une entité réceptrice, par exemple une entité bancaire ou une autre entité semblable, et consistant à obtenir ledit document par envoi ou fax, celui-ci étant associé à un responsable commercial ou exécutif de l'entité, et son contenu étant reconnu à l'aide d'un dispositif OCR. On utilise dans cette procédure une plateforme de messagerie et des messages de type SMS, et l'exécution du document par l'entité est mise en oeuvre suite à l'authentification préalable d'une réponse SMS obtenue du responsable commercial, comprenant le code de sécurité correspondant, comme réponse aux données d'identification du document reçues par ledit responsable par envoi depuis ladite plateforme. Ce procédé s'utilise, en particulier, dans le domaine des transactions avec des entités bancaires.
PCT/ES2003/000671 2003-12-30 2003-12-30 Procede de transmission et d'execution automatique et securisee de documents physiques Ceased WO2005064505A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/ES2003/000671 WO2005064505A1 (fr) 2003-12-30 2003-12-30 Procede de transmission et d'execution automatique et securisee de documents physiques
AU2003294999A AU2003294999A1 (en) 2003-12-30 2003-12-30 Method for the secure, automatic execution and transmission of physical documents

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2003/000671 WO2005064505A1 (fr) 2003-12-30 2003-12-30 Procede de transmission et d'execution automatique et securisee de documents physiques

Publications (1)

Publication Number Publication Date
WO2005064505A1 true WO2005064505A1 (fr) 2005-07-14

Family

ID=34717308

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2003/000671 Ceased WO2005064505A1 (fr) 2003-12-30 2003-12-30 Procede de transmission et d'execution automatique et securisee de documents physiques

Country Status (2)

Country Link
AU (1) AU2003294999A1 (fr)
WO (1) WO2005064505A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0971327A2 (fr) * 1998-07-07 2000-01-12 Citibank, N.A. Méthode et système pour effectuer des services financiers comme des services bancaires à domicile
WO2000068853A2 (fr) * 1999-05-10 2000-11-16 The Chase Manhattan Bank Systeme bancaire de reseau interne d'entreprise et procede associe
WO2001039589A2 (fr) * 1999-12-01 2001-06-07 Efunds Corporation Procede et appareil pour fournir des services de comptes financiers en ligne
WO2001048715A2 (fr) * 1999-12-28 2001-07-05 Nokia Corporation Appareil, et procede associe permettant d'acceder a un service de transaction a distance

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0971327A2 (fr) * 1998-07-07 2000-01-12 Citibank, N.A. Méthode et système pour effectuer des services financiers comme des services bancaires à domicile
WO2000068853A2 (fr) * 1999-05-10 2000-11-16 The Chase Manhattan Bank Systeme bancaire de reseau interne d'entreprise et procede associe
WO2001039589A2 (fr) * 1999-12-01 2001-06-07 Efunds Corporation Procede et appareil pour fournir des services de comptes financiers en ligne
WO2001048715A2 (fr) * 1999-12-28 2001-07-05 Nokia Corporation Appareil, et procede associe permettant d'acceder a un service de transaction a distance

Also Published As

Publication number Publication date
AU2003294999A1 (en) 2005-07-21

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