DE202016006537U1 - System for stationary and mobile conversion of cash into book money - Google Patents

Abstract

A module (1), characterized in that it contains a device for receiving banknotes (1), a device (2) for intelligent decision whether this bill is actually made ready for conversion into book money or better provided a connected fund to be and a device for checking the authenticity of banknotes (2) extended by a data memory (4) and a data transfer module (5), the value encrypted value is sent to the bank-side receiving module (9) and an acknowledgment module (7) that the bank-side Module (2) evaluates the next record and then the bill the destruction module (6), the bill validation module (3) the destruction process opto-electrically controlled and stored electronically in the data memory (4) so that the destruction module (6) the bill in a characteristically recognizable Form either characteristically destroyed, punched out or printed and so further exploitation as cash is no longer possible.

Description

The invention relates to a device for recording, testing, controlled destruction, secure data collection and secure data transmission of particular banknotes or other valuable papers with virtual value information that can be transferred as a record.

Usually, banknotes, in particular those with a higher value, are again stored separately at, in particular, supermarket cash registers. If the cash receipts of these banknotes exceed a certain value or insured value, they are brought into a special room in which the amounts are counted, the receipt is acknowledged and stored the storage until removal by a special value company in a vault. The value enterprise drives with particularly secured vehicles, the mostly armed coworkers acknowledges the receipt and brings these banknotes to the counting tables of the value enterprise before it on the account to the bank of the z. B. supermarket chain is brought there to be counted again and finally credited to the account as book money. In particular, the banknotes are checked for authenticity. All these operations are still insured against possible risks. The bank credit of all banknotes received in this way takes place at the earliest on the following working day.

Adding up all the costs of the work processes of this cash transfer from cash to credit on the bank account, ie to book money, it may be cheaper to make directly at the checkout in particular the banknotes controlled waste paper and their value as a same value record either individually or summed for all so destroyed banknotes to the bank to send, the u. U. even at the same time makes book money. With only slightly delayed deposit and controlled destruction process, the amounts are immediately available as book money after transfer to the bank.

For the replacement of the bills destroyed in a controlled manner at a certified printing company, the person responsible for their destruction can be called upon.

According to the notification of the Deutsche Bundesbank, this provides free replacement for damaged banknotes; this does not apply to deliberately destroyed banknotes. Implementation of the invention described here in Europe therefore requires a national bank authorized to replace the destroyed banknotes. This is likely to be granted only if the costs of the new procurement and the associated processes are paid by the responsible parties. However, the costs for their today anyway to make replacement purchases are reduced significantly.

According to the prior art are various recording, recording and especially authenticity testing systems of bills z. B. in cash machines in the deposits are also known.

According to the state of the art, opto-electronic detection systems are known which not only optically and electronically read, record and store the one-time and multiple-use unique identifier of a banknote but also the dynamic process of their destruction, eg. B. also by means of a specified mechanical destruction pattern in z. B. capture a photo or video sequence as records and save valuable.

According to the prior art safe electronic transmission methods such. As SSL encryption method known with which over the Internet or other transmission methods valuable electronic records can be securely transmitted for the correct transmission as well as their receipt corresponding acknowledgment methods are known.

According to the state of the art, safe destruction or shredding processes of paper or materials from which banknotes or bills are produced are known.

There are now many possibilities to design and further develop the functional extension according to the invention. For this purpose, reference is made to the protection claim 1 subordinate claims.

In the following, a preferred embodiment of the invention will be explained with reference to the following description and the accompanying drawings.

This invention relates to a module ( 1 ) for expanding a cash register system by a module according to the invention either of such a cash register ( 1 ) or inventive proprietary module ( 1 ) for the physical acceptance of one or more banknotes, the authentication of these banknotes, their electronic pictorial recording, the pictorial electronic recording of their destructive process and the storage and transmission of the resulting valuable data records with the same nominal monetary values to a module ( 2 ) sent from the authorized institution for the conversion of cash into book money can recognize that one or more valid banknotes have been destroyed in a controlled and certified manner with the aim of promptly crediting them with the same monetary value to a bank or Giro account.

Banknotes are usually issued in quantity at a commercial cashier to pay a price for a good or service. According to the invention in the module ( 1 ) decision module ( 2 ) of entrusted to the cashier process, depending on cash balance and expected demand for banknotes for the cash at this average amount of payment before, to put the accepted banknote either in the designated in the cashier storage compartment or else to feed the process of book currency conversion and as well further described in the protection claim 1 and ultimately destroy the bill after its value as book money from the module ( 2 ) was acknowledged.

Is the banknote in the module ( 1 ) is inserted according to the invention in the module ( 1 ) located test module ( 3 ), whether the imported banknote is a counterfeit or a genuine banknote.

If the banknote is recognized as the wrong banknote, it is ejected again; If the banknote is recognized as genuine, it is photographed on both sides electronically opto-electronically and this data record is stored and sent to the module ( 2 ) to the module ( 9 ) cleverly. Was the test there without complaint sends the transmission module ( 10 ) an acknowledgment data record to the module ( 7 ) that in turn destroys the destruction process in the module ( 6 ).

According to the invention, the cut parts of a banknote destroyed in this way can be stored separately until the sending module ( 5 ) the message that the destruction has been completed is sent to the module ( 9 ) and a new receipt from the transmitter module ( 10 ) to the receipt module ( 7 ) was scanned before the cut parts are issued.

According to the invention writes on the module ( 2 ) bank corresponding to the nominal value thus received banknotes so destroyed the account of the owner of the module ( 1 ) well or a third party according to its specification good and sends

According to the module ( 1 ) a digital receipt that the transaction is completed.

The account holder can according to the invention immediately after the completion of the booking process on the accumulated so sum of all sums so deposited immediately available again; According to the invention, its liquidity increases by the sum of the sales that accumulated immediately after the transaction (s) were completed.

According to the invention, the transmission from the module ( 1 ) also to a non-own bank but to a recipient other than electronic transfer, provided that the recipient bank has participated in this system.

In the prior art, different destruction systems are known; According to the invention, one is selected which indicates the destruction process and based on the pattern u. It can be seen that it was destroyed in a controlled manner via the system described here; According to the invention, an irreversible stamp imprint or an irreversible stamping are also conceivable which make it clear to each recipient of such a banknote that this piece of paper is no longer a banknote.

According to the invention, the module ( 1 ) are operated without the connection to a cash register system, so that it is possible to make the big bank notes of all the business funds of a company in one or more transactions per day as needed to book money to avoid collection and bank deposit as cash.

The invention is therefore based on the object of banknotes without the transport of banknotes to a bank, solely by the generation of equivalent records in business premises or even with mobile modules ( 1 ) in connection with their controlled destruction to make book or wallet money.

The invention is further based on the object to reduce costs of the entire monetary transactions, in particular costs of counting, safekeeping, personnel costs of other counts, the transport and insurance to save as well as the period of book money account disposal of banknotes so received shorten.

The objects underlying the invention are met by the fact that the type of functional expansion of existing POS systems to the functions of the module ( 1 ) allows an immediate change from cash to book money, provided that the bank of the cashier or the transfer recipient via the module ( 1 ) corresponding module ( 2 ).

The object underlying the invention is achieved in that the immediate conversion of cash into book money takes place immediately after the cash payment process at the cash register and thus eliminates the cost of other cash transactions, such as the cost of recounting, the cost of storage and transportation and the availability of the amounts of the banknotes through the account to which the values of the denatured cash are credited immediately, otherwise cash or cashless can be ordered. The costs of replacing cash are to be counteracted by the above-mentioned cost savings, but are likely to be lower in many cases.

In the drawing shows:

Module ( 1 ) a schematic functional sequence for the technical change from cash to book money at terminals outside of banks

Module ( 2 ) the bank-side process flow diagram is shown, which consists of the parts 1 to 12 consist.

LIST OF REFERENCE NUMBERS

1

Banknote receiving

2

Cash-decision module

3

Banknote testing

4

Internal data memory

5

transmission module

6

destruction module

7

receipt module

8th

Money Paring paper

9

receiver module

10

transmitter module

11

booking module

12

account

Claims (2)

A module ( 1 characterized in that it comprises a device for receiving banknotes ( 1 ), a device ( 2 ) for an intelligent decision as to whether this banknote is actually to be made available for conversion into book money or, better, to be made available to a connected fund, and to a device for checking the authenticity of banknotes ( 2 ) extended by a data memory ( 4 ) as well as a data transmission module ( 5 ) which encodes the amount of value to the bank-side receiving module ( 9 ) and a receipt module ( 7 ) that the bank-side module ( 2 ) evaluates the next record and then the bill to the destruction module ( 6 ), whereby the bill validation module ( 3 ) the destruction process opto-electrically controlled and electronically in the data memory ( 4 ) thus deposits the destruction module ( 6 ) either characteristically destroying, punching out or printing the banknote in a characteristically recognizable form, so that further utilization as cash is no longer possible. A module ( 2 ), characterized in that it is ready, a monetary record from the module ( 1 ), the corresponding banknote number and other security features in the module ( 9 ) to check it out after receiving the information that the banknote in the module ( 6 ) was destroyed to make a valuable record to this the recipient account as book money in the same amount as the nominal value of the banknote to write well and thus to make bankroll money out of it.

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