DE4202637A1 - Cash-less payment means - uses cheque book or credit card with device for identifying payment means in form of sticker with firm logo - Google Patents

Abstract

The identification device (2) is releasably connected to the payment means and is so formed that it can be directly applied to an invoice receipt, taking the form of a sticker. It carries a firm characteristic logo and can additionally be written upon. It incorporates numbers (4) which permit a clear co-relation between the invoice receipt and the payment means. Such numbers represent calendar days. Near each number (4), on the edge of the identification device, is a small tear incision. The sticker (2) has a lightly adhesive coating on one side so it can be removed from paper many times without the paper remaining adhered to it. USE/ADVANTAGE - An identification system for authenticating cashless payment.

Description

The present invention relates to a cashless Means of payment according to the preamble of claim 1 and to a procedure for cashless payments according to Preamble of claim 14.

Such means of payment and method for cashless Payment transactions have been well known for a long time and he are enjoying increasing popularity. Always more Bills and purchases are preferred instead of cash by means of checkbook, by means of magnetic stripes Check card or paid by credit card. The term "Cashless means of payment" is not restrictive to understand and includes all components necessary for the through management of cashless payments are used: "Cash book" is part of the cashless payment method Checks and envelope with supplementary sheet (for overview or in broadest sense for the identification of the means of payment) and  the check card. To the cashless means of payment "credit card "belongs to the credit card as such, but also possibly an associated receipt and a device for card reading.

Cashless payments result in addition to one Gain in convenience, however, also the need for Control of related booking data. The consumer must this data - whether private or for business Be rich - suitable for further processing in cashless payment traffic not to lose track. That's how they are Check booking dates and - for a possibly before available bookkeeping - assign to the respective invoice documents nen.

The facilities available for identifying the means of payment do not adequately meet these requirements. So a checkbook is usually the above-mentioned - provided with inscribable fields - attached sheet or form sheet ( Fig. 9). In the fields, for example, the respective check number, the date of the check issue, the payment amount and the name of the check recipient can be entered. Filling out such a form sheet is rather annoying, which is why it is often not carried out or is incomplete. Subsequent booking control is difficult or no longer possible. Even if the form sheet is filled out carefully, an assignment to the respective booking must be found later with the help of this form sheet and the invoices that have now accumulated from the comparison between the date, DM amount and check number on the form sheet, invoice and account statement.

When paying by credit card, the effort required to monitor bookings is even greater. When paying an invoice, a separate receipt - shown in FIG. 10 - is issued in addition to the usual invoice document, with which a payment transaction can be assigned to a later booking transaction. The buyer must therefore keep two receipts - the special receipt and the invoice receipt - at least together until the corresponding credit card statement arrives a few weeks after the payment process and the booking check can be carried out.

When paying using a magnetic stripe check card - or when withdrawing from ATMs - is open often no information can be seen from the invoice receipt, which shows the type of payment. A later Bu Control control is then either only from memory out or no longer possible.

Another problem is that from the bills i.A. does not show whether in cash, with check, with magneti check card or credit card. It is therefore even more difficult with a large number of Invoices to determine the respective means of payment.

The invention aims to use cashless means of payment to evolve so that even after a cashless Payment process an assignment between an invoice receipt and the cashless means of payment used is. It also aims to be a straightforward process Application of the cashless payment according to the invention be created.

The aim of the invention is in a generic cashless means of payment achieved by the Ides tification device releasably ver with the means of payment is bound (claim 1).

The identifiable detachable from cashless means of payment tion device can with such a configuration can be easily attached to an invoice receipt. The  Identification device thus enables uncomfortable complicated, direct allocation between invoice and cash loose means of payment. The cash developed in this way loose payment means is easier to handle because cumbersome and long labels are no longer necessary. this leads to - which is also of general interest - to a Be acceleration of payment transactions, which in turn increases Willingness to use cashless means of payment increased.

The identification device is preferably designed in this way that they are directly on or on an invoice receipt can be brought (claim 2). The term "direct" implies that the identification device without using a additional brackets can be attached to the invoice receipt can, which further simplifies handling.

The identification device is particularly preferred Stickers (claim 3). Such an embodiment he allows the identification device to be unproblematic table and convenient to release from cashless means of payment and put them on the invoice receipt.

According to a preferred embodiment, the Identi fiction facility a company identification (claim 4). The identification device is therefore simple Way designed so that an assignment to the cashless Means of payment also after removal of the means of payment is possible.

The identification device is also advantageous can be labeled (claim 5). In addition to the assignment to companies that already enable cashless payment Additional individual data can then be labeled applied to the identification device, in particular which are written down or printed. The additional Labeling can be done from  the bank when issuing the identification devices be made.

The identification device preferably bears digits, which clearly assigns the invoice document to Allow means of payment (claim 6). Such digits can, for example, the final numbers of the respective Be check number. In addition to the general Assignment between identification device and number means the assignment to the individual check form guaranteed. Accounting is further simplified and clearer.

In a further preferred embodiment of the invention The digits are calendar day digits (claim 7). With With the help of the detachable identification device the respective booking or payment day in a simple manner can be recorded: For example, the booking day corresponding number with a pen mar Kiert, or the identification device is on demolished at a location corresponding to the booking date. Identification devices torn off in this way can then e.g. B. be compiled on a supplementary sheet, so that on it is easy to see on which days invoices were paid or when ATM withdrawals were made were made.

Is particularly preferred - for easy marking and on tear - next to each digit on the edge of the identification A small tear incision is provided (An Proverbs 8). If e.g. B. to mark the payment day no Pen is at hand, the sticker can simply be taken off or on be torn down.

The sticker preferably has a light adhesive on one side Adhesive coating on, so that it is multiple of paper  can be removed without paper on the adhesive rubber tion remains liable (claim 9).

In a further particularly preferred embodiment the invention, the individual stickers are removable an empty spot on the checks, especially in a row of labels with the individual check data is provided (claim 10). If the checks before Delivery to the customer with a consecutive check number, Account number, bank sort code and code number are printed, the printer used for this can be done in the same operation the sticker stuck on the check with the final digits print away from the respective checks. The storage there is no separate sheet carrying the sticker and the user will remember to peel off the stickers nert.

According to a further variant of the invention, at least a sticker on a separate sheet, preferably of the checkbook or credit card 11). The individual stickers are particularly over visually compiled and it is easy to see how many checks have already been withdrawn from the checkbook or how many credit card payments - e.g. B. within one Monthly - have already been made.

The separate supplementary sheet of the check is particularly preferred hard digits that correspond to the digits of the sticker and which are visible after removing the sticker (An Proverb 12). This makes handling and clarity of the cashless means of payment further optimized. The When looking at the supplementary sheet, the user immediately recognizes which checks have already been withdrawn from the checkbook.

The stickers advantageously have at least one part area a carbonless coating (claim 13). When applying labels to the sticker  the inscriptions on the sheet below pushed through. For example, the bank prints the stickers using a dot matrix printer with the final digits of the checks, so these final digits press on the underlying sheet by. The final digits of checks taken are now closed also compiled on a supplementary sheet what the excess visibility of cashless payments promotes.

The aim of the invention is in a generic Method achieved in that the identification on direction is releasably connected to the means of payment, especially in the manner of attaching a sticker (Claim 14). The method according to the invention thus takes effect hardly in the usual payment process one, but simplifies it in its clarity incisive. All you have to do is add the stickers the cashless means of payment.

The identification device is particularly preferred in a row of labels on a check arranged and in front issuing the check from the bank to the customer with the Final digits of the check printed (claim 15). So that is - in addition to sticking the stickers - no additional ar step of labeling the stickers with the final digits of the check necessary.

The invention is described below with reference to the beige added drawing based on several embodiments described. Show it:

Fig. 1 shows a preferred embodiment of identification devices according to the invention;

Fig. 2 shows another preferred embodiment of the inventive identification devices;

Fig. 3A, a third embodiment according to the invention identification means;

3B is a variant of the embodiment of Fig. 3A.

Fig. 4 shows an embodiment of identification devices according to the invention, which are provided with digits that correspond to the individual calendar days;

Fig. 5 shows another embodiment of the identification devices according to the invention, which are provided with Zif remote, which correspond to the individual Calendar days;

FIG. 6 shows the application of the embodiment from FIG. 5 provided with calendar day digits; FIG.

FIGS. 7A-D, a check form, the identification devices is provided in Figures 7B and 7C with the present invention.

Fig. 8A-B calculations on which identification devices according to the invention are glued;

Figure 9 is a checkbook supplement or an identifica tion means according to the prior art.

Fig. 10 shows a credit card receipt or an identification device according to the prior art.

First, the first embodiment of FIG. 1 be written.

A supplementary sheet 1 is seen with a plurality of stickers 2 , which serve as identification devices. The sheet 1 provided with the stickers 2 is part of a cashless means of payment, for example a checkbook together with the associated check card, a credit card or a check card (not shown) provided with a magnetic stripe (“EURO-”).

A bank issues a corresponding number of stickers 2 for a predetermined number of checks. The stickers 2 are designed or labeled in such a way that they reflect in an easily recognizable manner which bank or credit card it is, or whether, for example, euro and / or crossed checks are used. The bank or the credit card institute provides the individual stickers 2 with, for example, a label 5 (e.g. an emblem or a logo), so that a clear assignment of the sticker 2 to cashless means of payment is possible.

If a payment or booking is to be made now, the customer pays in the usual way with his cashless means of payment. After receipt of the invoice receipt, only the sticker 2 needs to be removed from the cashless means of payment and stuck to an invoice receipt. Usually the date, business address, type of purchase and the payment amount are noted on the invoice, so that this data does not have to be written on sticker 2 again. Advantageously, a certain area is not labeled on the sticker 2 , so that the user can still note individual data.

The embodiment of FIG. 2 has, in addition to the identification drawing 3 , additional digits 4 . For example, the numbers 4 correspond to the end number of the checks issued. If the stickers 2 , which are numbered in this way, are stuck to an invoice, the invoice can be checked during a later accounting check:

• a) which means of payment, and
• b) which (check) form

was used to pay.

In an exemplary embodiment shown in FIG. 3, the stickers 2 are also labeled with the last digits 4 of the checks. In addition, the stickers 2 are provided on their self-adhesive side at the point at which the check numbers are to be entered, instead of with adhesive rubber coating with a carbonless coating. When the final digits 4 of the check number are entered, the final digits 4 are printed as a digit copy 5 on the supplementary sheet 1 . It is documented on the supplementary sheet or on the adhesive carrier 1 in a simple manner which checks have already been used.

FIG. 3B shows a variant of the exemplary embodiment from FIG. 3A. Instead of carbonless paragraphs 5 next to each label 2 digits 5 a printed. If a laser printer is used to print the sticker 2 , the printed digits do not print through a write-through coating. The numbers 5 a, which correspond to the end numbers 5 of the individual checks analogously to the example from FIG. 3A, can, however, be printed by the laser printer next to the individual stickers. In this embodiment, the stickers 2 do not therefore need to have a carbonless coating. As in the exemplary embodiment in FIG. 3A, the user immediately recognizes which checks have already been removed from the checkbook.

In another embodiment of the invention, thirty-one calendar day digits 6 are printed on the edge of the sticker 2 . At the edge of the sticker 2 , a small incision 7 is arranged next to each day number 6 Kalen. In particular when paying by means of a magnetic card, the payment day can be recorded in a simple manner - by tearing it off at the appropriate place or by means of a color marking.

Another such embodiment is shown in FIG. 5 and in FIG. 6. In Fig 5 , six with calendar day numbers 6 stickers 2 are arranged on a supplementary sheet 1 . With each payment using a magnetic stripe card - but also, for example, when withdrawing cash from an ATM - the day of withdrawal is documented by tearing off sticker 2 at the appropriate point. This creates ( Fig. 6) a clear compilation z. B. the withdrawals made in the respective month by means of Ma gnetkarte.

In various shops, for example, there is also an opportunity to shop by direct debit. There are card readers that read the account number and the bank code from the card, but do not then debit the amount directly by check card, but have the customer sign a direct debit authorization for the respective purchase. Even with such purchases, the stickers 2 provided with the calendar day digits 6 can be used to provide an overview of the purchases made in the month and to identify the means of payment. Even if, for example, no pronounced company identification 3 is printed on the sticker 2 , the identification function can be retained if the sticker 2 is visually memorable.

In another variant of the invention, the glue on 2 instead of on a separate supplementary sheet 1 , which is attached to the checkbook, stuck on a check form. This particular variant of the invention is illustrated in FIGS. 7A-D. Fig. 7A shows a label in herkömm Liche way check. 8 At the bottom of the check 8 , a row of numbers or labels 9 can be seen, which the bank prints on before the issuance of a certain number of checks 8 . The number series 9 contains the data relevant to banking, including the check number. The bank will leave a space for later labeling. In this field 7B one of the sticker 2 is glued to Fig.. When printing the check 8 , the bank can - as can be seen in FIG. 7C - print the final digits of the check 8 onto the sticker 2 . When paying, the sticker 2 is removed and the field containing the sticker 2 can be labeled in the usual way by the bank after "recovery" of the check 8 and used for bank-internal entries.

The paper of the checks 8 in circulation is often already such that stickers 2 provided with an appropriately designed adhesive rubber coating or coating can be removed or removed without damaging the paper.

The identification on arranged and used in this way The direction does not change what is already used and - in its basic principle - also the proven check system Type of exhibition and the usual further processing processing the checks. However, it brings both at the checkout, for the exhibitor as well as for the bookkeeping the described significant advantages of a marking or labeling aid.

Fig. 8A and 8B show invoice documents 10, is adhered to each of which a label 2. The sticker 2 of FIG. 8B is additionally printed with the end number 4 of the associated check 8 . The invoice 10 contains all the relevant data (date, etc.), so that, in conjunction with the stickers 2, simple booking control is ensured.

The marking 3 of the sticker 2 of the invoice 10 from FIG. 8A - a black circle - symbolizes z. B. a credit card organization. In contrast, the sticker 2 from Fig. 8B contains the identification 3 of a bank and the information "check". The user can thus see at a glance that he has paid the invoice 10 of FIG. 8A with his credit card and the invoice 10 of FIG. 8B with his check number "... 3715" from the "XY-Bank".

If an invoice does not have a sticker, this means that the corresponding amount was paid in cash.

Claims (15)

1. Cashless means of payment, in particular checkbook or credit card,
with a device for identifying the payment means, characterized in that
the identification device ( 2 ) is detachably connected to the payment means ( 8 ). 2. Cashless payment means according to claim 1, characterized in that the identification device ( 2 ) is designed such that it can be attached directly to or on an invoice document ( 10 ). 3. Cashless means of payment according to claim 1 or 2, characterized in that the identification A direction is a sticker ( 2 ). 4. Cashless means of payment according to one of the preceding claims, characterized in that the identi fication device ( 2 ) carries a company identification ( 3 ). 5. Cashless means of payment according to claim 4, characterized in that the identification device ( 2 ) can also be labeled. 6. Cashless means of payment according to one of the preceding claims, characterized in that the identification device ( 2 ) carries digits ( 4 ) which allow a clear assignment between the invoice document ( 10 ) and means of payment ( 8 ). 7. Cashless means of payment according to claim 7, characterized in that the digits are calendar day digits ( 6 ). 8. Cashless payment means according to one of the preceding claims, characterized in that in addition to each digit ( 4 , 6 ) at the edge of the identification device ( 2 ) a small tear-in incision ( 7 ) is provided. 9. Cashless payment method according to one of the preceding claims, characterized in that the adhesive ( 2 ) on one side has a lightly adhesive adhesive coating, such that it can be removed several times by paper without paper sticking to the adhesive coating. 10. Cashless means of payment according to one of the preceding claims, characterized in that the individual NEN stickers ( 2 ) are arranged removable at a preferably empty location of the checks, in particular in a label row ( 9 ) which is provided with individual check data. 11. Cashless means of payment according to one of the preceding claims, characterized in that at least one sticker ( 2 ) is arranged on a separate supplementary sheet ( 1 ), preferably the checkbook or the credit card. 12. Cashless means of payment according to one of the preceding claims, characterized in that the separate sheet ( 1 ) of the checkbook bears digits ( 5 ) which correspond to the digits ( 4 , 6 ) of the sticker ( 2 ) and which after peeling off the sticker ( 2 ) are visible. 13. Cashless payment method according to one of the preceding claims, characterized in that the adhesive ( 2 ) have a write-through coating at least in a partial area. 14. Procedure for cashless payment transactions, in particular by means of a checkbook or credit card, with which a device for identifying the payment mit means is used characterized in that the identification A direction is releasably connected to the means of payment, especially in the manner of attaching a sticker. 15. Procedure for cashless payments according to An saying 15, characterized, that the identification device in a label line of a check is arranged and that it before the bank issues the check to the customer is printed with the final digits of the check.