DE2119491A1 - System for the distribution of units of value - Google Patents

Description

DR-INQ. DIPL.-ING. M. KC. Dl Pu Pi Y V. - B. DIPL.-PHYS.

HOGER - LEGAL RIGHTS-GRiESSBACH - HAECKER

C ATENTAWALTF IN STUTTGART

A 38 794 b

b - 135

April 20, 1971

company

Ostertag-VJerke AG 703AaIe n / Württ.

System for the distribution of units of value

The invention relates to a system for the distribution of units of value, in particular a cash dispensing system.

There are already cash dispensers on the market that are controlled by means of an ID card and a corresponding receipt will. The ID cards and receipts or receipts are special documents that are issued by the respective, the bank operating the machine will be issued to its customers to a limited extent. As a result, every owner can an ID card and corresponding receipts can only collect money from the machine set up by your bank. · The machine checks on the basis of an identification code on the ID card and on the receipt whether the two information carriers are genuine, and

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belong together and whether the card holder is not one This includes people whom the bank has excluded from withdrawing money from the machine for whatever reason. this is done by comparing the identification code with the content of a memory located in the machine. Then it will be an amount of money specified by the receipt is issued, the receipt is stored in the machine and the ID is ejected again.

An ATM has also become known, the is only controlled by means of an ID card as an information carrier and the keyboards have one for the operator Enter the specific code and the desired amount of money. The keyed-in code is then accompanied by a Identification code on the ID card compared.

These known cash dispensers do not mean any rationalization for the bank, since, if a receipt at all, remains in the machine, it is no longer like checks and transfers or can be further processed less automatically, because, furthermore, relatively expensive special documents are produced and also still have to be dispensed by hand, and because eventually the known machines have only a small customer capacity. For the bank customers, on the other hand, there are the well-known ATMs the disadvantage that they are all tied to the business area of a particular bank and that it is special Documents, namely ID and receipts, always with you must carry *

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The invention was based on the object with the automatic Combining cash dispensing with a rationalization advantage for the bank, not only thinking of ATMs but more generally to devices for issuing units of value. For example, it could also be postage stamps, Trade tickets, even stocks or other securities. According to what was said at the beginning, the invention is based on a system for the distribution of four units, which has at least one check acceptance device, dcis by means of an identity card and a check can be controlled, the ID card bearing at least one encoded piece of identification information, with an encoded identification information (security code) on the check in a predetermined relationship the fulfillment of which can be checked by a test device for ID and check. The given task is solved according to the invention in that the check is a common check form (so-called EURO check), of which a free Field carries the identification information and a possibly further free field for coded information to be applied by the user for validation (validity code) of the check is provided and that the check acceptance device has a test device for the validity code. The for the invention Check acceptance machine can use suitable check forms so, for the rest, can be used as usual checks, and the ID can also be designed like a normal check card, which is provided with some additional information. The use of standard check forms also allows the to automatically process the remaining receipts in the check acceptance device in the usual way at banks. if the system according to the invention has prevailed, too no special documents are required at all, since they are generally suitable for the system according to the invention

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Could issue check forms. After all, that is appropriate The check form to be used for the invention is just as not bound by region as is already the case with the check in Connection with a credit card is the case. Finally, the system according to the invention gives at least the same if not a greater security than a standard check that. must be signed by hand by the user, because the validity code can o.w. be trained so that he is as forgery-proof as a signature, and besides a more security function is built in, as with the known cash dispensers, where only the identity of the ID and receipt is checked.

The check acceptance machine can be any Act as a device for issuing units of value or documents, that with the help of the identity card and a standard check form, which is slightly in view of the use according to the invention is modified, operated v / grounded, i.e. for example a cash dispenser to a device for Issuing new checks to a device for checking checks upon acceptance as it is sent to. at a bank counter or at a Retailers, a supermarket or the like. can be installed to a postage stamp machine and the like. More.

As mentioned, is one of the well-known ATMs

served with receipts by which the amount of money to be spent is determined in advance, for example on a 100 DM note so that, for example, three documents are required for the amount of USD 300. The system according to the invention Now, thanks to the use of normal checks, you can withdraw any amount of money - which may be limited by the bank

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can be - to by putting the check with some information the amount to be paid is provided. In a preferred embodiment of the invention is another free field (amount field) of the check for one by the user Provided to be affixed, encoded information with regard to the value of the value units, and the check acceptance device contains a reading device for this "information. For example, on the check next to one another or one below the other nine boxes labeled with the digits 1-9 can be provided, in one of which the user enters a cross.

There are already cash dispensers known which are operated, inter alia, with an identity card, which ensures that a user does not receive more than a certain amount within a predetermined period of time. This prevents a user from collecting receipts over a longer period of time and then using them to overdraw his account. In the system according to the invention, it is advisable, based on the known, to design the ID for the reasons mentioned as a usual check card, which has at least the following information in invisible, encoded and machine-readable form: account number of the user, routing number of the bank that issued the check card has (since the system according to the invention is intended to work supraregional) t limit for the total value or the number of units of value such as money or check forms to be issued within a certain period of time (amount limitation), as well as the period (time limitation). When check forms or money are issued, the system according to the invention records on the check card how much the user has received within the specified period of time. Can do all of this

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can be achieved, for example, via magnetic recording *

From the above, it can be seen that the inventive System, if it is to be a cash dispensing system, comprise at least one check and one cash dispenser should, both according to the type of check acceptance device described are trained. The output of check forms is therefore somewhat analogous to the conventional output by the clerk of a bank, using either a very specific form or, under certain circumstances, a normal one Check, after the validity code has been affixed, entered into the check dispenser together with the check card which then issues new check forms. At the same time, it can be advantageous for the check dispenser to do so to train that it holds the number of issued check forms on the check card, for example, magnetically and, if necessary, the time limit modified at certain intervals *

Cashless payments, including checks, are expanding more and more from * and the system according to the invention now gives the Possibility of accepting checks at banks and, for example, larger ones Easier retailers and elsewhere, and the handling of checks safer. close. To this end, it is proposed that the system also include a check validator for automatic checking of the Identity of check and credit card as well as for checking the validity code. That way you can checking the authenticity of a check upon acceptance is essential be simplified.

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In the above-described embodiment of the system according to the invention, the check card must from time to time with regard to the amount and time limits can be changed or rewritten. It is therefore recommended that the invention System comprises a credit card device for modifying the amount and / or time limit. One such Check card machine will of course only be operated by the bank whose customer is the check card holder so that it can easily be provided with a memory, on the customer, which the bank no longer appears to be secure enough, so that the renewed validation the check card is omitted. The check card device thus checks the check card with regard to the user's account number and Bank code, compares with the memory contents and then modifies the amount and time limits if necessary.

With today's usual issue of check forms by the bank clerk, the latter still has to arrange for the check forms printed with the account number and bank code. In the system according to the invention with a check dispenser it is now advisable to use a printer to print the check forms with account number and security code provided, which the latter has a very specific relationship to the account number and bank code. Be taken this information on the check card to be entered in the check dispenser or on the one required for the check issuance, Check with the validity code.

So far, checks accepted by the bank have to be prepared for further processing insofar as the handwritten on the check or with normal writing

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typewritten amount in a special, with a keyboard provided printer in a certain field of the check in machine-readable plain text , i.e. a bank clerk has to process each individual check by adding the amount indicated on it to the Printer keyed in. The system according to the invention is now o.w. able to bring about a rationalization here too, and for this purpose it is proposed that the cash dispenser one through the amount field - which will be read anyway must - contains a controlled printer for printing the amount to be issued in machine-readable plain text on the check. The machine-readable plain text is expediently the one used by banks today OCRA font. The checks accepted by the system according to the invention are therefore immediately suitable for automation, because The account number and bank code can be printed in OCRA when the check forms are issued.

The above-mentioned check checking device can now be further developed accordingly so that not only the authorization the operator and the validity of the check is checked, but the above-mentioned can also be used here Rationalization advantage can be achieved if the check validator has one of a keyboard, a cash register or the like. controlled printer for printing the payable Contains the amount in machine-readable text on the check. If a check is accepted by the cashier one Bank, so he enters the amount to be paid out via a keyboard, while for example directly when selling goods the printer can be controlled via the cash register

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and thus automatically the check of the goods issue .Customer is completed automation-compatible.

A major advantage of the system according to the invention over the known cash dispensers is the possibility to see the introduction of the validity code to increase security. Now about the application of the security code in a very specific form and in very specific places Finally, to make the check form easier, it is advisable to the customer a template for attaching the check card when the check card is issued for the first time To pass validity codes.

In the following, the overall sequence will now be based on a schematic representation of an embodiment of the system according to the invention all processes associated with a check are explained; show it:

1 shows a modified version with regard to the system according to the invention EURO check form;

2 shows a plan view of the rear side of a system which has been modified with regard to the system according to the invention, otherwise usual check card;

3 shows a schematic representation of an embodiment a check dispenser according to the invention;

4 shows a corresponding representation of a cash dispenser;

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5 shows a corresponding representation of a check checking device, and

6 shows a corresponding representation of a check card device,

The check form shown in Fig. 1 is when issued in the top line on the left with a serial number, the so-called check number, in the middle with the account number and on the right with the bank code. When used in the system according to the invention, two fields can now be used that are used today the usual EURO-SCheck form are unused and those for both Pages of the field 10 for the imprint of the name of the bank that issued the check form. The field 12 left hand can now be used for a point code, for example which should represent the security code readable in the system and in a certain relation to the account number and stands for the bank code. The space to the right of field 10 is used for an amount field 14 and a field 16 for the validity code utilized. The amount field 14 is in nine boxes so that the amount is given in a "1 out of 9" code that is to be spent or paid, for example DM 600.-. In field 16, the bank customer brings a specific and predetermined one for his account For example, put a cross to make the check sharp, denoting the different ones in the drawing Points indicated positions are in a relationship to the various account numbers specified by the system. Below the line with the fields 10 to 16 there is space for the usual information, e.g. for the handwritten or typewritten The amount to be entered in a field 18, and the bottom line 20 is in standardized, machine-readable font, namely

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A λ-

the OCRA font with SchecknummGr, account number, amount and Bank code printed, and this is currently done with the processing of an accepted check in the bank with the help a special printer, while in the system according to the invention, as will be shown below, can be performed automatically.

The check card shown in Fig. 2 is on the one not shown Front designed as usual, while it carries a magnetic film strip 22 on the back, the symbolic is divided into four fields, namely in a field 24 for the bank code, in a field 26 for the account number, in a field 28 for the amount limit and in a field for the time limit. In a field 32 lying under the magnetic film strip 22, an imprint "Automat" be appropriate, which is to indicate that this credit card is only authorized to operate in the system according to the invention, not but to the usual use of the credit card. Needless to say, the Records in fields 24-30 can be made in any code, as symbolized by the dots was hinted at.

The check dispenser shown in Fig. 3 is installed behind a wall 40, which has two slots 42 and 44 as well a door opening 46 is provided. Behind the slot 42 is a slot 48 for a check card while behind the slot 44 there is a slot 50 for a special check, as it is currently also called, for example Receipt for the issue of check forms at the banks is used, above the shaft 48 is a scanning and

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- / ft- ^21m91

Writing unit 52, and at the rear end of the shaft there is an infeed and ejector device 54, which is only symbolic is shown and serves the purpose of withdrawing a check card inserted into the slot 42 so far that it is in the slot 48 is in the correct position under the scanning and writing unit 52 and the check card again at the end of the check issue eject, above the shaft 50 is a scanning unit to read the information of interest on the check to be inserted into slot 44. Also for the shaft 50, a retraction device can be provided, which, however, has not been shown for the sake of simplicity. The floor -This shaft is designed as a flap 58th, so that in the The position of this flap shown in phantom in FIG. 3, a check can fall into a storage container 60, provided that it was found correct while bogus checks were due any other position of the flap 58 can be placed in a second storage container, not shown.

The scanning and writing unit 52 and the scanning unit 56 are connected to evaluation electronics 62, which also use the Infeed and ejector 54 controls. A lock memory 64 is also connected to the evaluation electronics. The output of the evaluation electronics is connected to printing and paper control electronics 66, which are a printer 68 controls the check forms to be issued via a Channel 70 emits into a container 72, which after electronically controlled opening of a door 74 through the door opening 46 is accessible through it from the outside.

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The operation of the check dispenser of FIG. 3 is that The following: A check card and a normal or special card that authorizes the issuing of a check are placed in the slots 42 and 44 Check inserted. As mentioned, means that are not shown in detail are provided to ensure that fields 24-30 of the check card as well as 12 and the check come under the units 52 and 56. These read the information recorded there, taking care it should be pointed out that the check should only be issued to persons who hold the account with the check dispenser issuing bank. It is now compared whether the Bank code is that of the bank installing the device, whether the account number recorded on the check card belongs to the security code on the check, whether the information in fields 28 and 30 of the check card there is not another one Issuing check forms forbids whether the account number is not contained in the lock memory 64 and whether the from User-affixed validity code in field 16 of the check matches the security code or account number. This exam takes place in the evaluation electronics 62. If all of these tests are positive, the flap 58 is opened first and the check is deposited in the container 60 as a receipt. Then the printer, who also cuts the form at the same time, receives and conveying device, from the print and paper control electronics 66 the commands for printing and outputting a certain number of check forms with the current check number, account number, bank code and the security code in field 12 and then pass through the channel 70 into the container 72.

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Then the door 74 is, for example, via a feedback signal of the printer 68 is opened so that the customer can remove the check forms from the container 72, and for example by means of a photoelectric scan, the door is then closed again, whereupon a feedback signal is output of the check card by the feed and / eject device 54, after previously by the scanning and writing unit 52 has been booked on the check card, so to speak, i.e. it has been entered in field 2 8 for the amount limit recorded how many check forms the customer has received, which is advantageously simplified by the fact that each Times the same number of forms is output.

In the cash dispenser shown in FIG. 4, elements which are identical to those of the check dispenser according to FIG. 3 have been used are given the same reference numerals. While a check is now only issued at the location of the bank, its customer the respective user is, the system according to the invention is intended to be used to use national cash dispensers to be able to.

The scanning unit 56 in the cash dispenser according to FIG. 4 reads in the In contrast to that in the check dispenser according to FIG. 3 also the amount field 14 of the check, and afterwards on the same Criteria as in the check dispenser with the exception of compliance the bank code has been checked against that of the institute setting up the cash dispenser, of course the lock memory 64 in the cash dispenser contains national account numbers to whose holders no money is issued should, an output control 80 first of all triggers a printing process: The check contained in the slot 50 is

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taken over by a printer 82 and there in OCRA script the amount specified in the amount field 14 in the field provided for this in line 20 of the check. Then the printer issues the check down, and the Position of the flap 58 depending on whether the check was found to be correct or not, decides in which the storage container 60 the check arrives. After the filing has taken place, the output control 80 triggers the dispensing of money. To this end is controlled by a separating and transporting device 84 the requested amount is deducted from a stack 86 of banknotes and transferred to a feed device 88, which was also put into operation by the output controller 80. The banknotes are then placed on a table 90, the dispensing control 80 opens the door 74 and the customer can withdraw the money. The door then closes again and the feeder and ejector 54 returns the check card. In contrast to the check dispenser, in the cash dispenser by means of the scanning and writing unit 52 and by means of the fields 28 and 30 for the amount and time limit checked whether the customer has not already received the maximum amount to be spent within a certain period of time has or exceeds, and in the two last-mentioned cases, the evaluation electronics 62 would completely dispense the money prevent or only allow up to the remaining amount. In addition, via the scanning and writing unit 52, a Modification of the amount still to be issued as recorded in field 28 of the check card.

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In the case of the check checking device shown in FIG. 5, too, parts were which also occur identically in the devices according to FIGS. 3 and 4, provided with the same reference numerals as there. In the check checking device, the electronic evaluation system 62 is a printer control 100, which also has an amount keyboard 102 and possibly an adder 104 with information can be provided. A collection device 106 connects to the chute 50 for the check, which collects the The check passes to a printer 108 controlled by the printer controller 100, which in turn transfers the check to a storage container 110 outputs. In the check checking device according to the invention, which are for example at the counter of a bank or can be connected to a cash register when selling goods, it is checked again whether the check card and check belong together, whether the check has been provided with the correct validity code, whether the amount and time limits are not violated, and in the case of a bank as the user of the check validator, there will also be a check to determine whether the user is the user Account overdrawn. The funds required for this are, however not shown in FIG. 5. The amount indicated on the check in the usual way is now taken by the clerk, for example of the bank entered into the amount keyboard 102, but it is also possible that the amount keyboard represents a register of a trader, so that if necessary the Keyed amounts are summed up with the aid of the adder 104 Need to become. The amount to be paid by check wild now via the printer controller 100 to the printer 108 that this amount is transmitted in OCRA writing to the for this purpose provided space on line 20 of the check, -after that the check through the collection device 106 in through the

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Evaluation electronics 62 has been transferred to the printer in a controlled manner. The check is then placed in the storage container 110 filed. The information in field 28 on the check card can also be modified on the check validator, so that the amount limit is taken into account.

If a check card is issued to a bank customer for the first time, so this is usually done by an employee of the bank. Later, however, it is an advantage if the The amount limit and the time limit can be modified in a machine. This is the purpose of the diagram in Fig. Credit card device shown, which is again installed behind a wall 40 which has a slot 42 for the credit card. Behind this slot there is again a shaft 48, at the end of which there is a pull-in and ejector device 54 and above which a scanning and writing unit 52 is provided. These devices come with a standard switch acknowledgment device 200 connected, via which the fourth for the time and amount limit can be entered, which at the same time be recorded on a journal. After the credit card has been modified, it will be removed from the Infeed and ejector device 54 is output again.

The lock memory 64 in the check dispenser of FIG. 3 can also be used to determine that the number of check forms to be issued is different for certain customers. Furthermore, it can be an advantage when Cash dispenser according to Fig. 4 not with the printer 82 the to record the amount to be spent on the check, but instead on a magnetic tape or other data storage device to be recorded so that directly with a central processing unit is collaborated.

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Furthermore, the check checking device according to FIG. 5 could be coupled to a modern data acquisition device instead of a manual amount input in the form of the amount keyboard 102 as is the case, for example, with the NCR-280 system from National-Registrierkassen GmbH, Augsburg.

Furthermore, the security of the inventive Increase the system by ensuring that the validity code on the'check does not have the form of a visible character, but rather a to be affixed by the customer, but normally not visible, for example only under ultraviolet Light is recognizable. Corresponding papers, one of which can only be seen in the ultraviolet when pressure is exerted Layer is already on the market. But there are also other, invisible recording methods conceivable.

The credit card can also have an area for measuring the color temperature at a suitable point in order to be able to use the devices that be served with the credit card, to be able to determine in a relatively simple way whether it is not a forgery acts. In addition, different systems can be used to determine whether the user is using a specific one prescribed by the bank Has inserted a check card.

With a view to a lower bit density, the magnetic strip expediently runs on the back of the check card not in the transverse but in the longitudinal direction. For account number, Bank code, amount ^ and time limit become 104 bits needed so that including the desirable check bits

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about 120 bits will be needed. The usual check cards have a length of 86mm, of which in practice around 60mm are used as the recording area of the magnetic stripe v / can ground. This results in a bit density of around 2 bits per millimeter, and such a low one Bit density guarantees secure reading of the credit card. It is also possible to use the To record the algorithm for the security code and the validity code. A bit density of 4 to 5 bits per millimeter, which is also easy to control.

Furthermore, it can be useful on the credit card and if necessary, to write the information on the check in a mess so that there is security against the customer not just part of the information, for example the Amount and time limits, can delete.

Furthermore, the validity code can of course be made more complicated, so that not only a cross, Instead, several crosses or other signs have to be placed in certain places.

Furthermore, a coding other than the one described can of course also be selected for the amount field 14.

As a whole series of devices of the system according to the invention the electronics are quite similar and partially identical, it can be advantageous to use a central Electronics to work. Furthermore, it is conceivable that the

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To connect devices with a central data processing system, so that they represent real peripheral devices.

Finally, it is conceivable to also provide the check forms with a color temperature measuring point and to equip the devices in such a way that any watermarks that may be present on the check forms and the check card can also be scanned.

It is convenient to slide in the behind the slots Check card und.der check forms light barriers or the like. that control a mechanism for drawing the documents into the devices.

It can also be advantageous to use money wrapped in the cash dispenser instead of individual banknotes. and spend.

In a departure from the exemplary embodiment described, the system can also use deposit machines (night safe) and possibly expanded by an account statement output device, which is also carried out in the manner described with the check card being controlled.

It goes without saying that in the drawing the devices of the system according to the invention is only shown to the extent that have been described as necessary for those skilled in the art to understand the invention; natural elements, as they are in data processing and. de ^ machines- ■ technology are therefore largely omitted.

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Claims (1)

Claims ι 1, system for the distribution of units of value, with at least a check acceptance device which can be controlled by means of an identification card and a check, the identification card at least carries an encoded identification information that is associated with an encoded identification information (Security code) on the check has a predetermined relationship, the fulfillment of which by a test device for ID and check can be checked, characterized in that the check is a conventional check form is, of which a free field carries the identification information and possibly another free field for coded information to be applied by the user sum validation (validity code) of the check is provided, and that the check acceptance device a Having checking device for the validity code. 2. System according to claim 1, characterized in that Another free field (amount field) of the check for coded information to be attached by the user is provided with regard to the value of the value units and the check acceptance device has a reading device for this information contains. 3, system according to claim 2, characterized in that the ID is a standard check card, which is invisible and .
in a clear, coded / machine-readable form at least. the following "information on v / eist: account number of the user, bank number of the bank that issued the check card, limit for the total value or the number of units of value to be issued within a certain period of time (amount limit), as well as the period (time limit), - 22 - 846 / Q299; : - ^: 4. System according to claim 1, characterized in that it comprises at least one check and one cash dispenser, both of which are designed in the manner of the check acceptance device, 5. System according to claim 4, characterized in that it further comprises a Sqheckprüfgerät for automatic testing of the Identity of check and credit card as well as for checking the validity code. 6. System according to claim 3, characterized in that it a credit card device for modifying the amount and / or time limit. 7. System according to claim 4, characterized in that the check dispenser has a printer for printing the check forms with account number and security code contains. 8. System according to claim 4, characterized in that the cash dispenser is controlled by the amount field Printer for printing the amount to be indicated in machine-readable plain text on the check. 9. System according to claim 5, characterized in that the Check validator one of a keyboard, a cash register or the like. controlled printer to print the amount to be paid in machine-readable plain text contains the check. - 23 - 200 8 4 6 /:.O2 Λ 38 794 b b - 135 - 2.3 - 2O, April 1971 HX. System according to claim 3, characterized in that the check acceptance device contains a writing device for recording the issued value units. 11. System according to claim 1, characterized by a Template for attaching the validity code. 09846/0 ^ 9 ^ - ;; - Blank page