EP2596481A1

EP2596481A1 - Method for transporting value note

Info

Publication number: EP2596481A1
Application number: EP11745735.8A
Authority: EP
Inventors: Oliver Dietz; Dietmar Molitor
Original assignee: Wincor Nixdorf International GmbH
Current assignee: Wincor Nixdorf International GmbH
Priority date: 2010-07-22
Filing date: 2011-07-22
Publication date: 2013-05-29
Also published as: DE102010036578A1; US8915427B2; WO2012010681A1; US20130119126A1

Abstract

The invention relates to a method for controlling a value note cycle (10), in which a security transport company withdraws a cash box from a device (18 to 26) in order to handle value notes and/or supplies a cash box to said device. The withdrawal and/or supply of the cash box are detected with the aid of a sensor. After the withdrawal of a cash box from the device (18 to 26), the total value of all value notes accommodated in the cash box is read from a memory region of a memory element and subtracted from a value stored in an account memory element associated with the security transport company. Conversely, after the supply of a cash box, the total value is added to the value of the account memory element. The invention further relates to a method for controlling a value note cycle (10), in which a cash box is withdrawn from a first device (18 to 26) and supplied to a second device (18 to 26). The total value of all value notes accommodated in the cash box is added to a value stored in a memory element associated with the first device (18 to 26) and it is subtracted from a value stored in an account memory element of the second device (18 to 26).

Description

Method of transfer of value

The invention relates to a method for controlling a value-ticket circulation, in which a value-transporting company of a device for handling banknotes removes at least one cashbox filled with banknotes and / or introduces at least one cashbox filled with banknotes into the device. The removal and / or insertion of the cashbox are detected by means of a sensor. Furthermore, the invention relates to a method for controlling a security circulation, in which a cashbox filled with bills of a first device is removed and a second apparatus for handling notes of value is supplied.

The devices for handling banknotes are in particular ATMs, automatic POS systems and / or automatic cash safes. The notes of value to be paid out of the devices and the notes of value paid into the device are stored in cash cassettes. To ensure the functionality of the devices, the cash boxes must be refilled in time before they are completely empty and / or emptied in time before they are completely filled. The filling and emptying of the money cassettes is carried out with the help of a value-transporting company, which removes a cashbox to be emptied the devices and transported to a so-called cash center in which the cashbox is emptied, the notes of value counted and the total value of all banknotes taken in the cashbox is credited to an account of an operator of the corresponding device from which the cashbox was taken. To supply a device with notes of value, a cash box filled in a cash center is transported by the value-transporting company to the device and introduced into it.

The problem with this method of controlling the value-added cycle is that each cash-box must be transported to the cash center for emptying and filling. A direct transporting a filled cashbox from a device to another device is not possible because a corresponding posting, in particular a possible transfer of ownership of recorded in the cashbox banknotes, is not possible.

This creates a lot of effort. A method and apparatus for determining a contact time for contacting a cash transfer system are known from document WO 2008/141679.

It is an object of the invention to provide a method for controlling a value pass circuit, with the aid of a direct transport of a cashbox filled with currency from a device for handling securities to another device for handling banknotes is made possible. This object is achieved by a method according to claim 1 and by a method according to the further independent claim. Advantageous developments of the invention are specified in the dependent claims.

By assigning an account storage element to the value-transporting company and subtracting the total value of all of the banknotes taken in the cashbox after the withdrawal of that cashbox from the device from a value stored in the account storage element and adding the total value of all the banknotes received in the cashbox therefrom Value after inserting the cashbox into the device, it is achieved that a withdrawn cashbox does not necessarily have to be fed to a cash center in order to add the total value of all banknotes held in the security cassette to a value stored in an account storage element of the operator of the device, but by subtracting this total value from the value stored in the account storage element of the value-transporting company, the value-transporting company seizes control of the cash-box and the value contained therein Ine can gain and thus can use the cashbox, for example, in another device for handling bank notes directly.

The removal of the cashbox from the device and the insertion of the cashbox into the device via an employee of the secure transport company. For the sake of simplicity, the following will be omitted each time to mention that the removal and feeding is done by an employee. Instead, there is a brief talk about the removal and the feeding by the value-transporting company.

By subtracting the total value of all recorded in the cashbox banknotes from the value stored in the account storage element of the transport company value in particular the ownership of the notes on the safekeeping company over. The secure carrier is the owner of the notes deposited in the cash box to be delivered until the cash box is inserted into the device and the total value of the notes deposited in the cash box has been added to the value stored in the account storage element of the bank.

The value stored in the account storage item associated with the value-transport company is similar to the account balance of an account of the value-transport company. When removing a cashbox from a device for handling banknotes, the total value of the banknotes contained in the cassette is subtracted from the current balance and the account thus charged accordingly. Conversely, when the cash box is inserted, the total value of all banknotes held in the cash box is added to the current account balance of the secure transport company and thus credited to the account. The account storage element can in particular in the form of a regular bank accounts at any bank.

In particular, the secure transport company manages at least two, preferably a plurality of devices for handling banknotes, and removes cash cassettes filled with the bills and / or introduces cash cassettes into the devices. After each removal of a cashbox, the total value of all banknotes held in the cashbox is read out of a storage area of a storage element and subtracted from the value stored in the account storage element assigned to the value-transporting company. The memory element can be, for example, a memory element of the cashbox, a device for handling securities or a central data processing unit. Conversely, after inserting a cashbox, the total value is read out and added to the value. The removal of a cashbox by the secure transport company is thus recorded as a "normal" payment of securities to an operator of the device. Conversely, the insertion of a cashbox is recorded as a "normal" deposit of notes of value. As a result, a simple booking of the notes of value, in particular a simple booking of the money flow associated with the transport of the notes of value, is achieved overall.

In a preferred embodiment of the invention, each device for handling banknotes is assigned an account storage element. After introducing a monetary cassette in a device is subtracted from a value stored in the respective devices associated account storage element value of the total value of all recorded in the cashbox banknotes. Conversely, after the withdrawal of the cashbox, the total value of all banknotes held in the cashbox is added to the value stored in the corresponding account storage element. This ensures that the current inventory of the device is known to each token on notes and the corresponding offsetting entry is made to add or subtract the total value of the notes to or from the value stored in the account storage element of the Werttransportunternehmens value, so that the sums of in all account storage items stored values remain the same.

Furthermore, it is advantageous if the value-transporting company supplies at least one withdrawn cashbox to a cash center for emptying. The operator of the device to which this at least one cashbox has been removed is assigned an account storage element. The total value of all banknotes held in the cashbox is added to a value stored in this account storage element. Likewise, the total value is added to the value stored in the account storage element of the value transport company.

In a particularly preferred embodiment of the invention, the secure transport company of the first device removes a cash box, transports this cash box te to the second device and introduces the cashbox in this second device. After removal of the cashbox from the first device, the value stored in the account storage element of the value-transporting company subtracts the total value of all banknotes held in the cashbox. Conversely, the value stored in an account memory element assigned to one of the first devices is added to this total value. After the custodian has inserted the cashbox into the second device, the total value of all the bills held in the cashbox is added back to the value stored in the account storage element of the custodian so that the value stored in the account storage element of the custodian returns to the same amount as before the removal the cashbox from the first device. Conversely, from a value stored in an account memory element associated with the second device, this total is subtracted after insertion. In this way, it is achieved that the cashbox can be exchanged directly between the first and the second device, without the cashbox must be previously supplied to a cash center for emptying and then refilling. In this way, the necessary transport routes are minimized. In particular, money cassettes can also be exchanged between ATMs of different bank branches and / or between ATMs and automatic POS systems and automatic cash deposits of trading companies in this way. In particular, a total closed cash cycle is made possible hereby. The Value Carrier, or the equivalent of the Value Carrier, authorizes and / or authenticates prior to removing a cash box and / or inserting a cash box. This takes place in particular with the aid of a chip and / or magnetic stripe card, an identification number and / or data determined with the aid of a biometric recognition method. If the device from the front, ie the side from which the device is operated by an operator, equipped with cash boxes, it can be used for the insertion of the chip and / or magnetic stripe card, a card reader, which is also used by the operators. Accordingly, the PIN input can be made via the keyboard, with the help of which the operator operates the device. If, on the other hand, the device and the reverse side of the front side are equipped with cash boxes, it is advantageous if the employees of the secure transport company have a separate card reader

and / or a separate keyboard is provided so that the authorization and authentication is also possible from the back of the device. This simplifies handling and minimizes the time required for insertion and removal of the cashbox.

A further aspect of the invention relates to a method for controlling a security circulation, in which a money cassette filled with bank notes is taken from a first device and fed to a second device. In this case, the value stored for a value stored in an account storage element assigned to one of the first devices is the total value of all the debits recorded in the cashbox. ne and subtracts this total value from a value stored in an account memory element associated with the second device. Subtracting and adding totals can be done after removal or insertion. In this way it is achieved that the direct feeding of a cashbox removed from the first device to the second device is possible without the prior emptying and filling of the cashbox in a cash center, even without the transport company assigned with the transport being assigned an account storage element in which a value is stored, to which first the total value of all recorded in the cashbox banknotes is subtracted and added after the insertion of the cashbox in the second device again. The transport of the cashbox from the first device to the second device is thus booked comparable to a "normal" transfer.

In a particularly preferred embodiment of the invention, money cassettes are used, each comprising a storage element in which at least the current total value of the notes of value received in the cashbox is stored. After removal and / or insertion of the cash box, the total value needed for adding or subtracting is read out of this storage element. In a particularly preferred embodiment of the invention, the number and / or the nominal value of all recorded notes of value are stored in the storage element in addition to the total value of all recorded in the cashbox banknotes. Additionally or alternatively, the total value of all recorded in the cashbox banknotes may also be stored in a memory area of a memory element of a central processing unit. In particular, all cash cassettes and / or devices for handling notes of value are connected to the central data processing unit via a wireless or a wired data transmission connection. In this way, there is an overview of the respective inventories of devices and cash boxes on banknotes throughout the process.

Further features and advantages of the invention will become apparent from the following description, the invention in conjunction with the accompanying figure with reference to exemplary embodiments explained in more detail.

It shows :

Figure 1 is a schematic highly simplified representation of a cash cycle.

FIG. 1 shows a schematic, highly simplified illustration of a cash cycle 10. In the illustrated cash cycle 10 are for simplicity only a bank branch 12, a retail outlet 14 and a cash center 16 shown. In alternative cash cycles, more than one bank branch 12, more than one retail outlet 14 and / or more than one cash center 16 may also be integrated.

In the bank branch 12 two ATMs 18, 20 are arranged, the ATMs 18, 20 pure deposit ATMs, pure payout machines and / or recycling machines, in which both notes of value can be deposited and paid out of the notes of value may be. In the retail branch 14, two automatic cash deposits 22, 24 are arranged in the present embodiment. In a back office of the retail branch 14, a consolidator 26 is provided, with the aid of which the automatic cash deposit boxes 22, 24 are provided with notes of value and in which the banknotes deposited into the automatic cash boxes 22, 24 can be disposed of.

The storage of banknotes in the ATMs 18, 20, the automatic cash deposits 22, 24 and the consolidator 26 can be done in fixed reel memories or cash boxes. For cash cassettes, banknotes can be stored on reel storage by winding them between two transparencies and storing them in a stacked bin. To simplify the description, the ATMs 18, 20, the automatic cash deposit 22, 24 and the Konsorotatot 26 hereinafter also referred to as devices 18 to 26 for handling bank notes or short as devices 18 to 26. If the maximum number of recordable receipts is recorded in a cashbox or a preset upper limit is exceeded, then the cashbox is removed from the device 18 to 26 by an employee of the secure transport company. Subsequently, a new cashbox is used so that the device 18 to 26 can continue to operate. Conversely, when a cashbox is empty or a preset lower limit of notes of value is reached, the cashbox is removed and inserted a new cashbox filled with cash into the device 18 to 26.

In the known from the prior art method for controlling a cash cycle 10, the withdrawn cash boxes are always transported inevitably to the cash center 16 in which the banknotes are removed from the cash boxes are counted and the total value of all recorded in a cashbox banknotes a value of an account storage element the operator of the device 18 to 26, from which the cash box was removed added. Subsequently, the cashbox is filled in the cash center 16 with bills and transported to one of the devices 18 to 26.

As a result of the method described below for controlling the cash cycle 10, it is achieved that the cash cassettes do not always reach the cash center 16 after being removed or before being supplied to one of the devices 18 to 26. leads or must be transported from a cash center 16 to the device 18 to 26, but can also be exchanged directly between the devices 18 to 26.

If an employee of the securities transport company removes a cashbox from one of the devices 18 to 26, the total value of all banknotes held in the cashbox is read from a storage area of a storage element and subtracted from a value stored in an account storage element of the value-transporting company. Finally, the cash box is fed from the device 18 to 26, from which it was taken, another device 18 to 26 or the cash center 16 from the Wertverportunternehmen. After inserting the cashbox into the corresponding device 18 to 26 or after emptying the cashbox in the cash center 16, the total value of all recorded in the cashbox banknotes is added back to the value stored in the account storage element of the safekeeping company value.

Thus, the removal of a cash box by the custodian's staff is treated as a payment of the corresponding amount of money to the custodian, and ownership of the bills taken in the withdrawn cash box passes to the value-transporting company. Thus, the transport company can be released where it takes the withdrawn cashbox. In particular, it is the value This makes it possible for transport companies to optimize the supply times, at which individual devices 18 to 26 are supplied with cash cassettes, according to their own internal criteria and thus to save effort and costs.

Conversely, the insertion of a cash box into one of the devices 18 to 26 is treated as a deposit of the notes taken in the cash box into the corresponding device 18 to 26. By adding the total value of the notes of value to the value stored in the account storage element of the value-transporting company, ownership of the notes stored in the cash-box is transferred to the operator of the devices 18-26.

Furthermore, each device 18 to 26 is assigned an account memory element in which at least one value is stored in each case. After removal of a cash box from a device 18 to 26, the total value of all bank notes contained in the withdrawn cash box is added to the value stored in the account storage element associated with the device 18 to 26.

Conversely, after the insertion of a cash box into a device 18 to 26, the total value of all notes taken in the cash box is subtracted from the value stored in the account storage element of the device 18 to 26. In an alternative embodiment of the invention, after removal of a cash box from one of the devices 18 to 26, if that cash box is to be fed directly to another device 18 to 26, the value of the account storage element of the secure transport company can remain unchanged and after the cash box into the other Device 18 to 26 introduced, the total value of all recorded in the cashbox notes read from the memory area of the corresponding memory element, subtracted from the value stored in the account storage element of the other device 18 to 26 and stored in the account storage element of the removed device 18 to 26 Value added. In this case, the overhead is reduced because of the value of the account storage element of the value-transport company does not first have to subtract the total value and then add it back. The transport of a cash box from one device 18 to 26 to another device 18 to 26 is handled in this case as a bank transfer. This is particularly advantageous if a further value dependent on time and dependent on the value stored in the account memory element is added or subtracted to the value stored in one of the account memory elements. This time-dependent and value-dependent further value can be designed in particular in the form of interest. By directly offsetting the total value of the notes of value received in the cashbox during transport of the cashbox from one device 18 to 26 to the other device 18 to 26 There are no interest costs for the transport company.

By means of the above-described method for regulating the cash cycle 10, it is achieved that the money cassettes within the bank branch 12 are exchanged directly between the cash dispensers 18 and 20, directly between the automatic cash deposits 22, 24, between the consolidator 26 and one of the automatic cash boxes 22, 24 and can be exchanged directly with a device 18, 20 arranged in the bank branch 12 and with a device 22 to 26 arranged in the retail branch 14.

The removal and insertion of a cash box from a device 18 to 26 or into a device 18 to 26 is detected in particular via a sensor. Depending on a signal generated by this sensor, the total value is then read from the memory area of the memory element and added or subtracted to or from the values of the affected account memory elements.

LIST OF REFERENCE NUMBERS

Circulation of money

bank branch

trade Branch

Cash Center

ATM

cash safe

consolidator

Claims

claims

1. Method for controlling a value-added cycle,

in which a value-transporting company of a device (18 to 26) for handling banknotes takes at least one cashbox filled with banknotes and / or introduces at least one cashbox filled with securities into the device (18 to 26),

the removal and / or insertion of the cashbox is detected by means of a sensor,

characterized in that after the removal of a cash box from the device (18 to 26) in response to a signal from the sensor from a memory area of a memory element, the total value of all recorded in the cashbox banknotes is read and stored by one in the value transport company associated account storage element Value is subtracted, and in that after insertion of a cash box into the device (18 to 26), the total value of all banknotes held in the cash box is read out of the storage area and added to the value stored in the account storage element assigned to the secure transport company.

A method according to claim 1, characterized in that the secure transport company removes and / or imports at least two cash handling apparatuses (18 to 26) for handling security documents, preferably a plurality of cashboxes filled with securities (18 to 26) for handling bank notes, that after each removal of a cashbox from a storage area of a storage element, the total value of all recorded in the cashbox banknotes and is subtracted from the value stored in the Werttransportunternehmen account storage element value, and that after each insertion of a cashbox from the storage area, the total value of all in the Cashbox recorded bills is read and added to the stored in the value transport company account storage element stored value.

Method according to one of the preceding claims, characterized in that after the insertion of a cash box into a device (18 to 26) is subtracted from a value stored in the account storage element associated with the device (18 to 26) of the total value of all the bills received in the cashbox, and that after removal of a cashbox from the device (18 to 26) to that in which the device (18 to 26) associated with the account storage element stored value of the total value of all recorded in the cashbox notes of value is added.

Method according to one of the preceding claims, characterized in that the value-transporting company feeds at least one withdrawn cashbox for emptying to a cash center (16) to one in the operator of the device (18 to 26), this at least one cashbox was removed is added to the associated account storage element stored value of the total value of all recorded in the cashbox banknotes, and that is added to the value stored in the account storage element of the Werttransportunternehmens, the total value of all recorded in the cashbox notes of value.

Method according to one of claims 2 to 4, characterized in that the value-transporting company of the first device (18 to 26) removes a cashbox that the value stored in the account storage element of the value-transporting company the total value of all in the cashbox is subtracted, is added to a value of this total value stored in an account storage element associated with the first device (18 to 26), which transports the cashbox to the second device (18 to 26) and into it in the account storage element then the value stored in the cashbox is again added to the value stored by the value-transporting company, and that value total stored by a value stored in an account-storage element associated with the second device (18 to 26) is subtracted from this total value.

A method according to claim 5, characterized in that the transport company of the first device (18 to 26) withdrawn cashbox in the second device (18 to 26) without the cash drawer to empty and / or to fill before.

Method according to one of the preceding claims, characterized in that the safekeeping company before the removal of a cashbox and / or before inserting a cashbox, preferably by means of a chip and / or magnetic stripe card, an identification number (PIN) and / or biometric Data, authorized and / or authenticated.

8 method for controlling a value-ticket cycle,

wherein a cashbox filled with currency notes is taken from a first device (18 to 26),

the cashbox is transported to a second bill of exchange handling device (18 to 26) and inserted into the second device (18 to 26),

is added to a stored in one of the first device (18 to 26) associated account storage element value of the total value of all recorded in the cashbox banknotes, and

wherein the value stored in the account memory element assigned to one of the second devices (18 to 26) subtracts the total value of all the notes of value received in the cashbox.

9. The method according to claim 8, characterized in that the first device (18 to 26) removed cashbox in the second device (18 to 26) is introduced without being emptied and / or filled.

10. The method according to any one of claims 1 to 9, characterized in that the total value of all recorded in the cash box notes of value is read out of a memory area of a memory element of the respective cashbox.

11. The method according to any one of claims 1 to 9, characterized in that the total value of all recorded in the cashbox banknotes from a memory area of a memory element of a central data processing unit is read.