WO2013072634A1 - Compact device for processing payment instruments, in particular cheques - Google Patents
Compact device for processing payment instruments, in particular cheques Download PDFInfo
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- WO2013072634A1 WO2013072634A1 PCT/FR2012/052638 FR2012052638W WO2013072634A1 WO 2013072634 A1 WO2013072634 A1 WO 2013072634A1 FR 2012052638 W FR2012052638 W FR 2012052638W WO 2013072634 A1 WO2013072634 A1 WO 2013072634A1
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
- G07D7/04—Testing magnetic properties of the materials thereof, e.g. by detection of magnetic imprint
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D13/00—Handling of coins or of valuable papers, characterised by a combination of mechanisms not covered by a single one of groups G07D1/00 - G07D11/00
Definitions
- the present invention relates to a compact device for the processing of payment documents, in particular checks, and more particularly to a device of the reader-scanner-endorser and / or encoder type.
- Payment title means in the present text documents such as bank checks, restaurant vouchers, gift vouchers, service vouchers, vouchers, that is to say documents that have a value and are used to pay for goods or services and which are not bank notes.
- Automated payment processing devices allow banks in particular or service providers, that is, companies that deliver checks or other payment documents to their banks or reimbursement agencies. deal with large amounts of these securities in a very short time, so that payments made through these securities are credited quickly.
- interbank agreements such as the Image Check Exchange, which electronically compensates checks on the Interbanking Tele-Clearing System in France, or the legislation governing these interbank agreements, such as the "Check 21 Act" in the USA, have been put in place.
- reader-scanner-endorser and / or encoder devices have been developed which digitize the checks, read the printed information in magnetic characters thereon and then print an endorsement and / or encoding line, respectively.
- machines capable of processing up to 280 documents per minute are provided and comprise in an aligned manner different modules performing the operations of reading, digitizing, encoding (or post-marking ) and endorsement and then sorting.
- the encoding operation makes it possible to add to the payment document information relating to its processing, such as the recipient's bank account, for example.
- the encoding is usually done with a magnetic ink (post-marking operation).
- This encoding inscription can use two different types of font, the CMC7 font (for 7-stick coded magnetic characters - NF Z 63-001 standard) used in particular in France and the E-13B font (ISO 1004: 1995 standard). especially in the United States.
- CMC7 font for 7-stick coded magnetic characters - NF Z 63-001 standard
- E-13B font ISO 1004: 1995 standard
- a compact device for digitizing checks for reading magnetic characters, the scanning of the check and its endorsement is proposed in the international application W02010 / 011639.
- each check makes several passes before being ejected, a processing operation being performed at each pass.
- This device does not propose to perform an encoding of the processed titles. It is understood that the number of documents processed per minute is greatly reduced by the need to perform several passages of the same document within the device. Moreover, the repetition of the passages increases all the risks of defect by jamming or stuffing of the checks in the transport circuit. Finally, the repeated passages of the document leads to premature wear of the means of transport and training of documents.
- the present invention therefore aims at providing a compact device for the processing of payment documents, in particular checks, which makes it possible to perform an encoding of securities, the surface footprint of which is contained, with a processing rate greater than 100 documents per minute and whose cost makes it accessible compared to that of known large capacity machines in which the different processing means are in alignment.
- the present invention relates to a compact device for the processing of payment securities, in particular checks, comprising a system for introducing securities, an output receiving system, first means for digitizing the front face of said securities, reading means magnetic characters, means of marking or encoding on the front of the titles, means of endorsement on the back of the titles, second digitizing means of the back side of said titles and means for conveying said titles in said device to bring them along a path defined from the introduction system to the output by presenting them in front of the various processing means mentioned above.
- the conveying means comprise a first conveying assembly driven by a first motor, along which the first conveying assembly the first digitizing means recto and the magnetic character reading means are arranged, and a second a conveying assembly driven by a second motor, along which the second set means marking or encoding on the front, then the endorsement means on the back and the second scanning means of the reverse side are arranged, the first and second motors being independent and asynchronous.
- FIG. 1 is a perspective view in front of the device
- - Figure 2 is a simplified top view of the device without its cover
- - Figure 3 is a schematic top view of the two conveying sets of the device without its cover.
- the payment processing device 1 is particularly compact: for this purpose, a payment security 2 positioned at the level of the introduction system 3 has been represented on the same scale in order to ability to appreciate the compactness of said device 1.
- the device 1 comprises a reception system 4 at the output.
- this reception system comprises at least two sorting cells 401, 402.
- the device 1 is covered with a hood. It is provided with a control panel 100, in particular with a display of the operating status.
- the introduction system 3 comprises a flap 301 and a destacker 302: the user has between these two elements a wad of payment securities 2 to be processed.
- the shutter 301 plates against the unstacker 302 which will take one by one the payment documents and introduce them into the device where they are processed.
- the power supply of the device 1 in payment securities 2 is advantageously automated with an electronic device (not shown) which detects the introduction by a user of one or more securities 2 bundled in front of the flap 301 and starts the unstacker 302.
- the device 1 After the introduction system 3, the device 1 comprises first scanning means 5 of the front side of the securities 2 payment, reading means 6 of magnetic characters, marking or encoding means 7 on the front of the titles 2, means endorsement 8 on the back of the titles 2, second scanning means 15 of the reverse side of said titles 2 and means for conveying said titles in said device 1 to bring them along a path defined from the introduction system 3 towards the exit by presenting them in front of the various means of treatment mentioned above.
- the conveying means comprise a first conveyor assembly 10 driven by a first motor, along which the first conveying assembly 10 the first scanning means 5 front and the reading means 6 of magnetic characters are arranged, and a second conveyor assembly 12 driven by a second motor, along which second set the marking or encoding means 7 on the front, then the endorsement means 8 on the back and the second digitizing means 15 of the reverse side are arranged, the first and second motors being independent and asynchronous.
- the first conveying assembly 10 comprises a U-shaped portion 101 whose first branch is in connection with the introduction system 3 and whose second branch opens tangentially and at the right of a rectilinear portion 120 of the second conveying assembly 12 along which the marking or encoding means 7 on the front are positioned.
- the length of this rectilinear portion 120 of the second conveying assembly 12 is at least the length of the maximum length of the payment vouchers 2 intended to be processed by said device 1.
- the conveying means use driving rollers, mechanical guides and a double set of belts so that the documents are clamped and held flat.
- the double set of belts is interrupted in front of each of the processing means, where only one band provides one drive of the documents; the length of the interruption zone being less than that of the documents, they remain flat during their entire journey in the device.
- the particularly preferred arrangement of the path of the conveying means and their distribution into two subsets is shown schematically in FIG.
- the U-shaped portion 101 has on its inner face a first belt 102 extending in a U-shape, wound on a pulley 103 situated at the base of the U and driven directly by the first motor, a second belt 105 in a loop extending parallel to and in line with a portion of the first leg of the U, a third belt 107 in a loop extending parallel to and in line with each other; a part of the second branch of the U, a mechanical guide 109 ensuring the plating of the payment vouchers 2 against the first belt 102 at the base of the U.
- the second loop belt 105 and the third loop belt 107 are respectively mounted on two pulleys 106, 108.
- This construction characteristic of the U-shaped portion 101 makes it possible to obtain an easier manual extraction zone for the titles 2, in which their path can be stopped, in the event of a mechanical problem. (superposition of titles, stuffing) or logic (invalid, unrecognized or poorly presented payment title).
- this extraction is here advantageously facilitated by a specific design of the cover over the U-shaped portion 101: the cover is fitted with a slot 110 following the path of the U-shaped portion 101, its height is reduced so that part of the title protrudes from the upper face of the hood in this area.
- the portion of the hood overhanging the inner side of the U 101 is constituted by a tab 120 advantageously sloping, which guides the placement of the finger of a user on the back of a title stopped in this area.
- the device further comprises a ultrasonic double detection sensor 14, this sensor 14 being disposed along the first conveyor assembly 10, on the first branch of the U-shaped portion 101.
- This sensor 14 allows to stop the processing of documents in case of superposition of documents due to a lack of unstacking.
- each sorting box 401, 402 is provided in its base with a worm 403 with double helix, intended to ensure the controlled and ordered stacking of the treated titles in the sorting box in which they were affected by the treatment device.
- the use of these augers 403 advantageously accumulates a large number of documents without smudging (the documents are deposited on each other without friction), stacking documents of different formats without any adjustment of the box Sort and ensure the chronology of the ranking.
- the marking or encoding means 7 on the front side perform a post-marking by magnetic ink.
- the device according to the invention advantageously makes it possible to carry out an encoding operation which is not currently proposed in the compact processing devices marketed and known to the applicant.
- the endorsement means 8 also implement an inkjet printing.
- the marking or encoding means 7 on the front side implement an inkjet printing.
- the operation of the device is thus particularly discrete with respect to a magnetic ink needle or daisy printing system.
- the first and / or second digitizing means 5, 15 comprise a wide spectrum CIS technology sensor making it possible to capture an image at a time in the visible range in gray level and / or in color, IR, UV and transparency for watermarks. This advantageously allows to have only one sensor to perform all of these measurements in one pass.
- the payment securities processing device is particularly usable in bank branches or shops for the processing of bank checks or other payment instruments (bank checks, restaurant vouchers, gift vouchers, service vouchers, vouchers, etc.). trades ... ) .
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- Inspection Of Paper Currency And Valuable Securities (AREA)
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Abstract
Compact device (1) for processing payment instruments (2), comprising a system for introducing (3), a system for receiving (4) at output, digitalisation means (5, 15) for the front and back sides of the payment instruments, means for reading (6) magnetic characters, means for marking or encoding (7) on the front side of the payment instruments (2), means for endorsing (8) the back side of the payment instruments (2) and means for conveying that comprise a first conveying assembly (10) driven by a first motor, alongside which digitalisation means (5) for the front side of the payment instruments and the means for reading (6) are arranged, and a second conveying assembly (12) driven by a second motor, alongside which are arranged the marking or encoding means (7), followed by the endorsing means (8) and second digitalisation means (15) for the back side of the payment instruments, the first and second motors being independent and asynchronous.
Description
Dispositif compact de traitement de titres de paiement, en particulier de chèques Compact device for the processing of payment documents, in particular checks
Domaine technique Technical area
La présente invention concerne un dispositif compact de traitement de titres de paiement, notamment des chèques, et plus particulièrement un dispositif du type lecteur- scanner-endosseur et/ou encodeur. The present invention relates to a compact device for the processing of payment documents, in particular checks, and more particularly to a device of the reader-scanner-endorser and / or encoder type.
Technique antérieure Prior art
Par titre de paiement, on entend dans le présent texte des documents tels que des chèques bancaires, des titres restaurants, des chèques cadeaux, des chèques services, des bons d'échanges, c'est-à-dire des documents qui ont une valeur financière et servent à payer des biens ou services et qui ne sont pas des billets de banque. Payment title means in the present text documents such as bank checks, restaurant vouchers, gift vouchers, service vouchers, vouchers, that is to say documents that have a value and are used to pay for goods or services and which are not bank notes.
Les dispositifs de traitement automatisé de titres de paiement permettent aux banques en particulier ou aux prestataires de service, c'est-à-dire des sociétés qui remettent un chèque ou un autre titre de paiement à leur banque ou à un organisme de remboursement, de traiter de grandes quantités de ces titres dans des délais très rapides, afin que les paiements effectués par le biais de ces titres soient crédités rapidement. A cet effet, des conventions interbancaires comme l'Échange Image Chèque qui compense de façon électronique les chèques sur le Système Interbancaire de Télé-compensation en France, ou des législations encadrant ces conventions interbancaires, comme le « Check 21 Act » aux USA, ont été mises en place. Automated payment processing devices allow banks in particular or service providers, that is, companies that deliver checks or other payment documents to their banks or reimbursement agencies. deal with large amounts of these securities in a very short time, so that payments made through these securities are credited quickly. For this purpose, interbank agreements such as the Image Check Exchange, which electronically compensates checks on the Interbanking Tele-Clearing System in France, or the legislation governing these interbank agreements, such as the "Check 21 Act" in the USA, have been put in place.
On a ainsi développé des dispositifs de lecteur- scanner-endosseur et /ou encodeur qui numérisent les chèques, lisent les informations imprimées en caractères magnétiques sur ceux-ci puis impriment une ligne d'endossement et/ou d'encodage, respectivement.
Afin de faire face au nombre important de documents devant être traités quotidiennement, des machines capables de traiter jusqu'à 280 documents par minute sont proposées et comportent de façon alignée différents modules effectuant les opérations de lecture, de numérisation, d'encodage (ou postmarquage) et d'endossement puis de tri. L'opération d'encodage permet d'ajouter sur le titre de paiement des informations relatives à son traitement, telle que le compte en banque du destinataire par exemple. L'encodage est en général effectué avec une encre magnétique (opération de post-marquage) . Cette inscription d'encodage peut utiliser deux types de fontes différentes, la fonte CMC7 (pour Caractères Magnétiques Codés à 7 bâtonnets - norme NF Z 63-001) utilisée notamment en France et la fonte E-13B {norme ISO 1004:1995) utilisée notamment aux Etats-Unis. Thus reader-scanner-endorser and / or encoder devices have been developed which digitize the checks, read the printed information in magnetic characters thereon and then print an endorsement and / or encoding line, respectively. In order to cope with the large number of documents to be processed daily, machines capable of processing up to 280 documents per minute are provided and comprise in an aligned manner different modules performing the operations of reading, digitizing, encoding (or post-marking ) and endorsement and then sorting. The encoding operation makes it possible to add to the payment document information relating to its processing, such as the recipient's bank account, for example. The encoding is usually done with a magnetic ink (post-marking operation). This encoding inscription can use two different types of font, the CMC7 font (for 7-stick coded magnetic characters - NF Z 63-001 standard) used in particular in France and the E-13B font (ISO 1004: 1995 standard). especially in the United States.
Ces machines très performantes font plusieurs mètres de longueur et ont un coût élevé, de l'ordre de plusieurs dizaines de milliers d'euros. These high-performance machines are several meters in length and have a high cost, of the order of tens of thousands of euros.
II existe par ailleurs des machines plus compactes, pouvant être posées sur un bureau ou un plan de travail et ayant un encombrement équivalent à celui d'autres appareils de bureau, comme un téléphone filaire, un écran d'ordinateur ou une unité centrale d'ordinateur par exemple. Ces machines très compactes sont toutefois limitées fonctionnellement aux opérations de numérisation et/ou de lecture et/ou d'endossement, proposent rarement un tri et ne proposent pas d'encodage. There are also more compact machines, which can be put on a desk or a worktop and have a footprint equivalent to that of other office devices, such as a wired telephone, a computer screen or a central unit. computer for example. These very compact machines are, however, functionally limited to scanning and / or reading and / or endorsement operations, rarely offer sorting and do not offer encoding.
Un dispositif compact de numérisation de chèques permettant d'effectuer une lecture des caractères magnétiques, la numérisation du chèque puis son endossement est proposé dans la demande internationale W02010 /011639. Dans ce dispositif, chaque chèque réalise plusieurs passages avant d'être éjecté, une opération de traitement
étant effectuée à chaque passage. Ce dispositif ne propose pas d'effectuer un encodage des titres traités. On comprend bien que le nombre de documents traités par minute est fortement réduit par la nécessité d'effecteur plusieurs passage du même document au sein de l'appareil. De surcroit, la répétition des passages augmente d'autant les risques de défaut par coincement ou bourrage des chèques dans le circuit de transport. Enfin, la répétition des passages du document entraine une usure prématurée des moyens de transport et d' entraînement des documents. A compact device for digitizing checks for reading magnetic characters, the scanning of the check and its endorsement is proposed in the international application W02010 / 011639. In this device, each check makes several passes before being ejected, a processing operation being performed at each pass. This device does not propose to perform an encoding of the processed titles. It is understood that the number of documents processed per minute is greatly reduced by the need to perform several passages of the same document within the device. Moreover, the repetition of the passages increases all the risks of defect by jamming or stuffing of the checks in the transport circuit. Finally, the repeated passages of the document leads to premature wear of the means of transport and training of documents.
La présente invention vise donc à proposer un dispositif compact de traitement de titres de paiement, notamment de chèques, qui permette de réaliser un encodage des titres, dont l'empreinte surfacique soit contenue, avec une cadence de traitement supérieure à 100 documents par minute et dont le prix de revient le rende accessible par rapport à celui des machines de grande capacité connues dans lesquelles les différents moyens de traitement sont en alignement . The present invention therefore aims at providing a compact device for the processing of payment documents, in particular checks, which makes it possible to perform an encoding of securities, the surface footprint of which is contained, with a processing rate greater than 100 documents per minute and whose cost makes it accessible compared to that of known large capacity machines in which the different processing means are in alignment.
Résumé de 1 ' invention Summary of the invention
La présente invention concerne un dispositif compact de traitement de titres de paiement, notamment des chèques, comportant un système d'introduction des titres, un système de réception en sortie, des premiers moyens de numérisation de la face recto desdits titres, des moyens de lecture de caractères magnétiques, des moyens de marquage ou d'encodage sur le recto des titres, des moyens d'endossement sur le verso des titres, des seconds moyens de numérisation de la face verso desdits titres et des moyens de convoyage desdits titres dans ledit dispositif afin de les amener selon un trajet défini depuis le système d' introduction vers la sortie en les présentant devant les différents moyens de traitement susmentionnés.
Ce dispositif est remarquable en ce que les moyens de convoyage comportent un premier ensemble de convoyage entraîné par un premier moteur, le long duquel premier ensemble de convoyage les premiers moyens de numérisation recto et les moyens de lecture de caractères magnétiques sont disposés, et un second ensemble de convoyage entraîné par un second moteur, le long duquel second ensemble les moyens de marquage ou d'encodage sur le recto, puis les moyens d'endossement sur le verso et les seconds moyens de numérisation de la face verso sont disposés, les premier et second moteurs étant indépendants et asynchrones. The present invention relates to a compact device for the processing of payment securities, in particular checks, comprising a system for introducing securities, an output receiving system, first means for digitizing the front face of said securities, reading means magnetic characters, means of marking or encoding on the front of the titles, means of endorsement on the back of the titles, second digitizing means of the back side of said titles and means for conveying said titles in said device to bring them along a path defined from the introduction system to the output by presenting them in front of the various processing means mentioned above. This device is remarkable in that the conveying means comprise a first conveying assembly driven by a first motor, along which the first conveying assembly the first digitizing means recto and the magnetic character reading means are arranged, and a second a conveying assembly driven by a second motor, along which the second set means marking or encoding on the front, then the endorsement means on the back and the second scanning means of the reverse side are arranged, the first and second motors being independent and asynchronous.
On comprend bien que la répartition sur deux ensembles de convoyage autorise une disposition des différents moyens de traitement autre que dans un alignement et permet ainsi de réduire fortement la longueur du dispositif. It is understood that the distribution on two conveyor assemblies allows an arrangement of the different processing means other than in an alignment and thus greatly reduces the length of the device.
En outre, cela permet un maintien très précis de la vitesse des documents à une valeur constante pendant l'opération d'encodage du recto des documents, ce qui permet avantageusement de réaliser un encodage avec de l'encre magnétique (post-marquage) parfaitement conforme aux normes en vigueur relatives à la reconnaissance de caractères imprimés avec de l'encre magnétique (fonte CMC7 et E13B) . Brève description des figures In addition, this allows a very precise maintenance of the speed of the documents to a constant value during the operation of encoding of the front of the documents, which advantageously makes it possible to carry out an encoding with magnetic ink (post-marking) perfectly complies with the current standards for the recognition of characters printed with magnetic ink (cast iron CMC7 and E13B). Brief description of the figures
D'autres avantages et caractéristiques ressortiront mieux de la description qui va suivre, donnée à titre d'exemple non limitatif, d'une variante d'exécution particulièrement préférée de la présente invention, en référence aux dessins annexés sur lesquels : Other advantages and features will become more apparent from the following description, given by way of non-limiting example, of a particularly preferred embodiment of the present invention, with reference to the appended drawings in which:
- la figure 1 est une vue en perspective en ¾ avant du dispositif ; - Figure 1 is a perspective view in front of the device;
- la figure 2 est une vue du dessus simplifiée du dispositif sans son capot ;
- la figure 3 est une vue du dessus schématique des deux ensembles de convoyage du dispositif sans son capot. - Figure 2 is a simplified top view of the device without its cover; - Figure 3 is a schematic top view of the two conveying sets of the device without its cover.
Description détaillée de l'invention Detailed description of the invention
En référence à la figure 1, le dispositif 1 de traitement de titres de paiement selon 1 ' invention est particulièrement compact : on a à cet effet représenté à la même échelle un titre de paiement 2 positionné au niveau du système d'introduction 3 afin de pouvoir apprécier la compacité dudit dispositif 1. With reference to FIG. 1, the payment processing device 1 according to the invention is particularly compact: for this purpose, a payment security 2 positioned at the level of the introduction system 3 has been represented on the same scale in order to ability to appreciate the compactness of said device 1.
Le dispositif 1 comporte un système de réception 4 en sortie. Avantageusement et de manière préférée, ce système de réception comporte au moins deux cases 401,402 de tri. Le dispositif 1 est revêtu d'un capot. Il est muni d'un panneau de commande 100, avec notamment un affichage du statut de fonctionnement. The device 1 comprises a reception system 4 at the output. Advantageously and in a preferred manner, this reception system comprises at least two sorting cells 401, 402. The device 1 is covered with a hood. It is provided with a control panel 100, in particular with a display of the operating status.
On se référera maintenant à la figure 2 pour le descriptif détaillé des organes du dispositif 1. Referring now to Figure 2 for the detailed description of the organs of the device 1.
Le système d'introduction 3 comprend un volet 301 et un dépileur 302 : l'utilisateur dispose entre ces deux éléments une liasse de titres de paiement 2 à traiter. Le volet 301 les plaque contre le dépileur 302 qui va prendre un à un les titres de paiement et les introduire dans le dispositif où ils sont traités. En outre, l'alimentation du dispositif 1 en titres 2 de paiement est avantageusement automatisée avec un dispositif électronique (non représenté) qui détecte l'introduction par un utilisateur d'un ou plusieurs titres 2 en liasse devant le volet 301 et met en route le dépileur 302. The introduction system 3 comprises a flap 301 and a destacker 302: the user has between these two elements a wad of payment securities 2 to be processed. The shutter 301 plates against the unstacker 302 which will take one by one the payment documents and introduce them into the device where they are processed. In addition, the power supply of the device 1 in payment securities 2 is advantageously automated with an electronic device (not shown) which detects the introduction by a user of one or more securities 2 bundled in front of the flap 301 and starts the unstacker 302.
Après le système d'introduction 3, le dispositif 1 comporte des premiers moyens de numérisation 5 de la face recto des titres 2 de paiement, des moyens de lecture 6 de caractères magnétiques, des moyens de marquage ou d'encodage 7 sur le recto des titres 2, des moyens
d'endossement 8 sur le verso des titres 2, des seconds moyens de numérisation 15 de la face verso desdits titres 2 et des moyens de convoyage desdits titres dans ledit dispositif 1 afin de les amener selon un trajet défini depuis le système d' introduction 3 vers la sortie en les présentant devant les différents moyens de traitement susmentionnés . After the introduction system 3, the device 1 comprises first scanning means 5 of the front side of the securities 2 payment, reading means 6 of magnetic characters, marking or encoding means 7 on the front of the titles 2, means endorsement 8 on the back of the titles 2, second scanning means 15 of the reverse side of said titles 2 and means for conveying said titles in said device 1 to bring them along a path defined from the introduction system 3 towards the exit by presenting them in front of the various means of treatment mentioned above.
Selon une caractéristique essentielle de l'invention, les moyens de convoyage comportent un premier ensemble de convoyage 10 entraîné par un premier moteur, le long duquel premier ensemble de convoyage 10 les premiers moyens de numérisation 5 recto et les moyens de lecture 6 de caractères magnétiques sont disposés, et un second ensemble de convoyage 12 entraîné par un second moteur, le long duquel second ensemble les moyens de marquage ou d'encodage 7 sur le recto, puis les moyens d'endossement 8 sur le verso et les seconds moyens de numérisation 15 de la face verso sont disposés, les premier et second moteurs étant indépendants et asynchrones. According to an essential characteristic of the invention, the conveying means comprise a first conveyor assembly 10 driven by a first motor, along which the first conveying assembly 10 the first scanning means 5 front and the reading means 6 of magnetic characters are arranged, and a second conveyor assembly 12 driven by a second motor, along which second set the marking or encoding means 7 on the front, then the endorsement means 8 on the back and the second digitizing means 15 of the reverse side are arranged, the first and second motors being independent and asynchronous.
Selon une caractéristique avantageuse de l'invention, et en référence aux figures 2 et 3, le premier ensemble de convoyage 10 comporte une portion en U 101, dont la première branche est en liaison avec le système d'introduction 3 et dont la deuxième branche débouche tangentiellement et au droit d'une portion rectiligne 120 du second ensemble de convoyage 12 le long de laquelle les moyens de marquage ou d'encodage 7 sur le recto sont positionnés . According to an advantageous characteristic of the invention, and with reference to FIGS. 2 and 3, the first conveying assembly 10 comprises a U-shaped portion 101 whose first branch is in connection with the introduction system 3 and whose second branch opens tangentially and at the right of a rectilinear portion 120 of the second conveying assembly 12 along which the marking or encoding means 7 on the front are positioned.
De manière préférée, la longueur de cette portion rectiligne 120 du second ensemble de convoyage 12 est au minimum celle de la longueur maximale des titres de paiement 2 destinés à être traités par ledit dispositif 1. Ainsi, on peut réaliser un encodage avec de l'encre magnétique (post-marquage) parfaitement conforme aux normes
en vigueur relatives à la reconnaissance de caractères imprimés avec de l'encre magnétique (fonte CMC7 et E13B) . Preferably, the length of this rectilinear portion 120 of the second conveying assembly 12 is at least the length of the maximum length of the payment vouchers 2 intended to be processed by said device 1. Thus, it is possible to perform an encoding with the magnetic ink (post-marking) perfectly complies with standards applicable to the recognition of printed characters with magnetic ink (CMC7 and E13B cast iron).
Les moyens de convoyage mettent en œuvre des galets d ' entraînement , des guides mécaniques et un double jeu de courroies de sorte que les documents soient pris en étau et maintenus à plat. Le double jeu de courroies est interrompu devant chacun des moyens de traitement, où seule une bande assure 1 ' entraînement des documents ; la longueur de la zone d'interruption étant inférieure à celle des documents, ceux-ci restent maintenus à plat pendant tout leur parcours dans le dispositif. L'agencement particulièrement préféré du parcours des moyens de convoyage et de leur répartition en deux sous-ensembles est montré schémat iquement sur la figure 3. The conveying means use driving rollers, mechanical guides and a double set of belts so that the documents are clamped and held flat. The double set of belts is interrupted in front of each of the processing means, where only one band provides one drive of the documents; the length of the interruption zone being less than that of the documents, they remain flat during their entire journey in the device. The particularly preferred arrangement of the path of the conveying means and their distribution into two subsets is shown schematically in FIG.
Selon une variante d'exécution avantageuse, représentée à la figure 2, la portion en U 101 comporte sur sa face interne une première courroie 102 s 'étendant en U, enroulée sur une poulie 103 située à la base du U et entraînée directement par le premier moteur, une seconde courroie 105 en boucle s 'étendant parallèlement et en vis- vis le long d'une partie de la première branche du U, une troisième courroie 107 en boucle s ' étendant parallèlement et en vis-vis le long d'une partie de la deuxième branche du U, un guide mécanique 109 assurant le plaquage des titres de paiement 2 contre la première courroie 102 au niveau de la base du U. According to an advantageous embodiment variant, shown in FIG. 2, the U-shaped portion 101 has on its inner face a first belt 102 extending in a U-shape, wound on a pulley 103 situated at the base of the U and driven directly by the first motor, a second belt 105 in a loop extending parallel to and in line with a portion of the first leg of the U, a third belt 107 in a loop extending parallel to and in line with each other; a part of the second branch of the U, a mechanical guide 109 ensuring the plating of the payment vouchers 2 against the first belt 102 at the base of the U.
La seconde courroie 105 en boucle et la troisième courroie 107 en boucle sont respectivement montées chacune sur deux poulies 106, 108. The second loop belt 105 and the third loop belt 107 are respectively mounted on two pulleys 106, 108.
Cette caractéristique de construction de la portion en U 101 permet l'obtention d'une zone d'extraction manuelle facilitée des titres 2, dans laquelle leur cheminement peut être stoppé, en cas de problème mécanique
(superposition des titres, bourrage) ou logique (titre de paiement invalide, non reconnu ou mal présenté) . This construction characteristic of the U-shaped portion 101 makes it possible to obtain an easier manual extraction zone for the titles 2, in which their path can be stopped, in the event of a mechanical problem. (superposition of titles, stuffing) or logic (invalid, unrecognized or poorly presented payment title).
En référence à la figure 1, cette extraction est ici avantageusement facilitée par un dessin spécifique du capot au-dessus de la portion en U 101 : le capot est aménagé avec une fente 110 suivant le trajet de la portion en U 101, sa hauteur est réduite de sorte qu'une partie du titre dépasse de la face supérieure du capot dans cette zone. En outre, la portion du capot surplombant le coté interne du U 101 est constituée par une languette 120 avantageusement en déclivité, qui guide le placement du doigt d'un utilisateur sur le verso d'un titre arrêté dans cette zone. With reference to FIG. 1, this extraction is here advantageously facilitated by a specific design of the cover over the U-shaped portion 101: the cover is fitted with a slot 110 following the path of the U-shaped portion 101, its height is reduced so that part of the title protrudes from the upper face of the hood in this area. In addition, the portion of the hood overhanging the inner side of the U 101 is constituted by a tab 120 advantageously sloping, which guides the placement of the finger of a user on the back of a title stopped in this area.
En référence à la figure 2, le dispositif comporte en outre un capteur 14 de détection de double par ultrasons, ce capteur 14 étant disposé le long du premier ensemble de convoyage 10, sur la première branche de la portion en U 101. Ce capteur 14 permet de stopper le traitement des documents en cas de superposition des documents suite à un défaut de dépilage. With reference to FIG. 2, the device further comprises a ultrasonic double detection sensor 14, this sensor 14 being disposed along the first conveyor assembly 10, on the first branch of the U-shaped portion 101. This sensor 14 allows to stop the processing of documents in case of superposition of documents due to a lack of unstacking.
Par ailleurs, en référence à la figure 2, chaque case 401,402 de tri est munie dans sa base d'une vis sans fin 403 à double hélice, destinée à assurer l'empilement contrôlé et ordonné des titres traités dans la case de tri dans laquelle ils ont été affectés par le dispositif de traitement. Le recours à ces vis sans fin 403 permet avantageusement d'accumuler un grand nombre de documents sans risque de maculage (on dépose les documents les uns sur les autres sans frottement), d'empiler des documents de différents formats sans aucun réglage de la case de tri et d'assurer la chronologie du classement. Furthermore, with reference to FIG. 2, each sorting box 401, 402 is provided in its base with a worm 403 with double helix, intended to ensure the controlled and ordered stacking of the treated titles in the sorting box in which they were affected by the treatment device. The use of these augers 403 advantageously accumulates a large number of documents without smudging (the documents are deposited on each other without friction), stacking documents of different formats without any adjustment of the box Sort and ensure the chronology of the ranking.
Selon une autre caractéristique de l'invention, les moyens de marquage ou d'encodage 7 sur le recto effectuent un post-marquage par encre magnétique. Ainsi, le dispositif
selon l'invention permet avantageusement de réaliser une opération d'encodage qui n'est à ce jour pas proposée dans les dispositifs de traitement compact commercialisées et connus du demandeur. According to another characteristic of the invention, the marking or encoding means 7 on the front side perform a post-marking by magnetic ink. Thus, the device according to the invention advantageously makes it possible to carry out an encoding operation which is not currently proposed in the compact processing devices marketed and known to the applicant.
Avantageusement, les moyens d'endossement 8 mettent également en œuvre une impression à jet d'encre. Advantageously, the endorsement means 8 also implement an inkjet printing.
Selon une variante d'exécution préférée, les moyens de marquage ou d'encodage 7 sur le recto mettent en œuvre une impression jet d'encre. Le fonctionnement du dispositif est ainsi particulièrement discret par rapport à un système d'impression d'encre magnétique à aiguille ou à marguerite. According to a preferred embodiment, the marking or encoding means 7 on the front side implement an inkjet printing. The operation of the device is thus particularly discrete with respect to a magnetic ink needle or daisy printing system.
Selon une autre variante d'exécution préférée, les premiers et/ou les seconds moyens de numérisation 5,15 comportent un capteur de technologie CIS à spectre large permettant de capturer une image à la fois dans le domaine visible en niveau de gris et/ou en couleur, en IR, en UV et en transparence pour les filigranes. Cela permet avantageusement de n'avoir qu'un seul capteur pour réaliser l'ensemble de ces mesures et ce, en un seul passage. According to another preferred embodiment, the first and / or second digitizing means 5, 15 comprise a wide spectrum CIS technology sensor making it possible to capture an image at a time in the visible range in gray level and / or in color, IR, UV and transparency for watermarks. This advantageously allows to have only one sensor to perform all of these measurements in one pass.
Application industrielle Industrial application
Le dispositif de traitement de titres de paiement selon l'invention est notamment utilisable dans des agences bancaires ou des commerces pour le traitement des chèques de banques ou autres titres de paiement (chèques bancaires, titres restaurants, chèques cadeaux, chèques services, bons d ' échanges ... ) .
The payment securities processing device according to the invention is particularly usable in bank branches or shops for the processing of bank checks or other payment instruments (bank checks, restaurant vouchers, gift vouchers, service vouchers, vouchers, etc.). trades ... ) .
Claims
1. Dispositif (1) compact de traitement de titres (2) de paiement, notamment des chèques, comportant un système d'introduction (3) des titres (2), un système de réception (4) en sortie, des premiers moyens de numérisation (5) de la face recto desdits titres (2), des moyens de lecture (6) de caractères magnétiques, des moyens de marquage ou d'encodage (7) sur le recto des titres (2), des moyens d'endossement (8) sur le verso des titres (2), des seconds moyens de numérisation (15) de la face verso desdits titres (2) et des moyens de convoyage desdits titres dans ledit dispositif (1) afin de les amener selon un trajet défini depuis le système d'introduction (3) vers la sortie en les présentant devant les différents moyens de traitement susmentionnés caractérisé en ce que les moyens de convoyage comportent un premier ensemble de convoyage (10) entraîné par un premier moteur, le long duquel premier ensemble de convoyage (10) les premiers moyens de numérisation (5) recto et les moyens de lecture (6) de caractères magnétiques sont disposés, et un second ensemble de convoyage (12) entraîné par un second moteur, le long duquel second ensemble les moyens de marquage ou d'encodage (7) sur le recto, puis les moyens d'endossement (8) sur le verso et les seconds moyens de numérisation (15) de la face verso sont disposés, les premier et second moteurs étant indépendants et asynchrones . 1. A device (1) for compact payment securities processing (2), including checks, comprising a system of introduction (3) titles (2), a reception system (4) output, first means of digitization (5) of the front side of said titles (2), reading means (6) of magnetic characters, marking or encoding means (7) on the front of the titles (2), means of endorsement (8) on the back of the titles (2), second digitizing means (15) of the back side of said titles (2) and conveying means of said titles in said device (1) in order to bring them along a defined path from the introduction system (3) to the outlet by presenting them in front of the various processing means mentioned above, characterized in that the conveying means comprise a first conveying assembly (10) driven by a first motor, along which first set for conveying (10) the first scanning means (5) recto and the reading means (6) of magnetic characters are arranged, and a second conveying assembly (12) driven by a second motor, along which the second set of marking or encoding means (7) on the front, then the means of endorsement (8) on the back and the second digitizing means (15) of the reverse side are arranged, the first and second motors being independent and asynchronous.
2. Dispositif (1) selon la revendication 1 caractérisé en ce que le premier ensemble de convoyage (10) comporte une portion en U (101), dont la première branche est en liaison avec le système d'introduction (3) et dont la deuxième branche débouche tangentiellement et au droit d'une portion rectiligne (120) du second ensemble de convoyage (12) le long de laquelle les moyens de marquage ou d'encodage (7) sur le recto sont positionnés. 2. Device (1) according to claim 1 characterized in that the first conveying assembly (10) comprises a U-shaped portion (101), the first branch is in connection with the introduction system (3) and whose second branch opens tangentially and at the right of a rectilinear portion (120) of the second set of conveying (12) along which the marking or encoding means (7) on the front are positioned.
3. Dispositif (1), selon la revendication 2 caractérisé en ce que la longueur de ladite portion rectiligne (120) du second ensemble de convoyage (12) est au minimum celle de la longueur maximale des titres de paiement (2) destinés à être traités par ledit dispositif ( 1 ) . 3. Device (1) according to claim 2 characterized in that the length of said rectilinear portion (120) of the second conveying assembly (12) is at least that of the maximum length of payment securities (2) intended to be treated by said device (1).
4. Dispositif (1) selon l'une des revendications 2 ou 3 caractérisé en ce que la portion en U (101) comporte sur sa face interne une première courroie (102) s 'étendant en U, enroulée sur une poulie (103) située à la base du U et entraînée directement par le premier moteur, une seconde courroie (105) en boucle s 'étendant parallèlement et en vis-vis le long d'une partie de la première branche du U, une troisième courroie (107) en boucle s'étendant parallèlement et en vis-vis le long d'une partie de la deuxième branche du U, un guide mécanique (109) assurant le plaquage des titres de paiement (2) contre la première courroie (102) au niveau de la base du U. 4. Device (1) according to one of claims 2 or 3 characterized in that the U-shaped portion (101) has on its inner face a first belt (102) extending U, wound on a pulley (103) located at the base of the U and driven directly by the first motor, a second belt (105) loop extending parallel and vis-vis along a portion of the first leg of the U, a third belt (107) in a loop extending parallel and vis-vis along a portion of the second leg of the U, a mechanical guide (109) ensuring the plating of the payment vouchers (2) against the first belt (102) at the level of the base of the U.
5. Dispositif (1) selon l'une des revendications 2 à 4 caractérisé en ce qu'il comporte en outre un capteur (14) de détection de double par ultrasons, ce capteur (14) étant disposé le long du premier ensemble de convoyage (10), sur la première branche de la portion en U (101) . 5. Device (1) according to one of claims 2 to 4 characterized in that it further comprises a sensor (14) ultrasonic double detection, this sensor (14) being arranged along the first conveyor assembly (10) on the first leg of the U-shaped portion (101).
6. Dispositif (1) selon l'une des revendications précédentes caractérisé en ce que les moyens de marquage ou d'encodage (7) sur le recto effectuent un post-marquage par encre magnétique. 6. Device (1) according to one of the preceding claims characterized in that the marking means or encoding (7) on the front perform a post-marking magnetic ink.
7. Dispositif (1) selon l'une des revendications précédentes caractérisé en ce que les moyens de marquage ou d'encodage (7) sur le recto mettent en œuvre une impression jet d'encre. 7. Device (1) according to one of the preceding claims characterized in that the marking means or encoding (7) on the front implement an inkjet printing.
8. Dispositif (1) selon l'une des revendications précédentes caractérisé en ce que les premiers et/ou les seconds moyens de numérisation (5,15) comportent un capteur de technologie CIS à spectre large permettant de capturer une image à la fois dans le domaine visible en niveau de gris et/ou en couleur, en IR, en UV et en transparence pour les filigranes. 8. Device (1) according to one of the preceding claims characterized in that the first and / or the second scanning means (5,15) comprise a wide spectrum CIS technology sensor for capturing an image at a time in the visible range in gray level and / or in color, in IR, in UV and in transparency for the watermarks.
9. Dispositif (1) selon l'une des revendications précédentes caractérisé en ce que le système de réception (4) en sortie des titres (2) traités par le dispositif (1) comporte au moins deux cases (401,402) de tri . 9. Device (1) according to one of the preceding claims characterized in that the receiving system (4) at the output of the titles (2) processed by the device (1) comprises at least two boxes (401,402) sorting.
10. Dispositif (1) selon la revendication précédente caractérisé en ce que chaque case (401,402) est munie dans son fond d'une vis sans fin (403) à double hélice. 10. Device (1) according to the preceding claim characterized in that each box (401,402) is provided in its bottom with a worm (403) double helix.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| FR1103499 | 2011-11-17 | ||
| FR1103499A FR2982980B1 (en) | 2011-11-17 | 2011-11-17 | COMPACT DEVICE FOR PROCESSING PAYMENT TITLES, IN PARTICULAR CHECKS |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2013072634A1 true WO2013072634A1 (en) | 2013-05-23 |
Family
ID=47297315
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/FR2012/052638 WO2013072634A1 (en) | 2011-11-17 | 2012-11-15 | Compact device for processing payment instruments, in particular cheques |
Country Status (2)
| Country | Link |
|---|---|
| FR (1) | FR2982980B1 (en) |
| WO (1) | WO2013072634A1 (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5400890A (en) * | 1992-03-25 | 1995-03-28 | Gerlier; Andre | Drive unit for a banknote reader |
| US6103985A (en) * | 1997-08-04 | 2000-08-15 | Unisys Corporation | Turn around loop apparatus for document scanning/processing |
| EP1160738A2 (en) * | 1994-09-29 | 2001-12-05 | Mars Incorporated | Apparatus for handling value sheets |
| EP1808828A2 (en) * | 2005-12-16 | 2007-07-18 | NCR International, Inc. | Method of operating a check depositing terminal and an apparatus therefor |
| WO2010011639A1 (en) | 2008-07-21 | 2010-01-28 | Unisys Corporation | Compact multipass document processor |
-
2011
- 2011-11-17 FR FR1103499A patent/FR2982980B1/en active Active
-
2012
- 2012-11-15 WO PCT/FR2012/052638 patent/WO2013072634A1/en active Application Filing
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5400890A (en) * | 1992-03-25 | 1995-03-28 | Gerlier; Andre | Drive unit for a banknote reader |
| EP1160738A2 (en) * | 1994-09-29 | 2001-12-05 | Mars Incorporated | Apparatus for handling value sheets |
| US6103985A (en) * | 1997-08-04 | 2000-08-15 | Unisys Corporation | Turn around loop apparatus for document scanning/processing |
| EP1808828A2 (en) * | 2005-12-16 | 2007-07-18 | NCR International, Inc. | Method of operating a check depositing terminal and an apparatus therefor |
| WO2010011639A1 (en) | 2008-07-21 | 2010-01-28 | Unisys Corporation | Compact multipass document processor |
Also Published As
| Publication number | Publication date |
|---|---|
| FR2982980B1 (en) | 2014-01-03 |
| FR2982980A1 (en) | 2013-05-24 |
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