Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/04—Payment circuits
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/04—Payment circuits
  • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/22—Payment schemes or models
  • G06Q20/24—Credit schemes, i.e. "pay after"

Definitions

• Integrated method and device for entering, processing and controlling at the place of a transaction all payment documents such as checks, magnetic cards and memory cards
• the main patent proposes an apparatus ensuring simplification, control, automation and increased rationalization in the individual and merchant ink transactions carried out using checks and magnetic credit cards.
• the main characteristic of the device is to carry out on the place of the transaction and in an integrated way the control of the identity of holders of checks and credit cards.
• the system reads the bank identity statement (RIB) carried on each of the supports of the payment vouchers concerned.
• ROB bank identity statement
• it includes an inaccessible system generating electronically and from a secret algorithm a code called "Personal Identification Number" (KIP) known only to the holder.
• KIP Personal Identification Number
• the issuer is invited to sign their PIN.
• the device compares the number signified by the sender and the calculated secret PIN. He considers it probable that the identity of the bearer and that of the holder of the payment document match when the two numbers match, otherwise he refuses the transaction.
• the device performs automatically and at the place of the transaction a certain number of check processing steps
• the device proposes to automatically perform:
• the main patent describes in detail the algorithms and your basic subsets allowing those skilled in the art to produce the device according to the invention using conventional techniques.
• an apparatus according to the main patent produced according to its directives and using the simple existing sub-assemblies present a certain number of difficulties of use linked essentially to problems of reliability and bulk, due to the unsuitability existing materials, which restrict the field of use.
• the usual multi-track standardized magnetic card reader systems include a certain number of independent fixed magnetic heads each associated with one of the card tracks.
• the cards are moved relative to the heads using a complex system of rollers driven by an electric motor.
• This multi-track magnetic badge reader system leads to a number of usage problems.
• the multiplication of the number of heads leads to a complication of the device, the complexity of the drive mechanism leads to numerous reliability and maintenance problems and finally the mode of application of each head against its track is often deficient due deformation of the cards and many faults ensue.
• the device does not provide for carrying out a certain number of operations and functions, the realization of which is very desirable in order to unify in a single device the entry of all the payment methods and to optimize the progress of their processing steps.
• the device is not intended to process the new types of memory cards essentially constituted by an internal electronic memory accessible from the outside by means of an electrical connection socket with electrodes cooperating with a contact pad. arranged on the map.
• the device is not equipped to make the back of the check in the name of the beneficiary.
• the device is not intended to edit receipts, day newspapers, and more generally the various transaction vouchers.
• the device performs the universal and integrated processing (on line or off Une) of all known payment vouchers and ensures the verification of the admissibility of each of them.
• the device according to the addition performs a complete and automatic printing of the wording of the checks as well as the postmarking and the backing thereof, that is to say that at the end of the transaction the checks are in condition to be fully processed mechanically by the bank for which they are intended.
• the device according to the addition ensures:
• the main originality of the device according to the addition is to be designed around original sub-assemblies perfectly adapted to its conditions of use and meeting in particular the fundamental criteria of size and reliability which are imposed on it.
• the device comprises two insertion zones, one intended for the introduction and processing of check forms as well as for the edition of supporting tickets and the other, reserved exclusively for processing. magnetic and memory cards.
• the formula corresponding to a check issued is first introduced according to its greatest length in the area reserved for it.
• This zone comprises a plate provided with a drive device vis-à-vis which are arranged an endorser mechanism, a reader of the coded line of checks, a print head with sequential transverse action and a post coding wheel. -marking. The formula goes back and forth along this processing stage.
• the reader analyzes the coded line of the check, isolates the RI B, that is to say the number of the form, the references of the bank and the contact details of the holder inside this bank, - the endorser, essentially constituted by a personalized wheel with the coordinates of the user of the device and driven by the continuous movement of the formula, prints on the back of the latter the coordinates of the user of the device receiving the check.
• the reader as well as the endorser are deactivated; on the other hand, during the successive stop phases that the formula undergoes
• a coding wheel performs the post-marking symbol by symbol of the formula, - and the print head edits in columns perpendicular to the direction of movement ia for check mui.
• the printing mode and the post-marking system will be described in detail below.
• the magnetic cards as well as the memory cards offered are applied face down against a plate after insertion inside their insertion slot. Their lateral movements are blocked by application of a movable jaw strongly pressed towards the plate. After which, a socket fitted with electrodes is lowered facing the position, standardized in the plane of the plate, of the memory card transfer pads.
• the electrodes of the connection socket carry out this recognition electrically by checking whether or not they are facing the contacts of the pads.
• the electrodes of the socket connected to each of these contacts, exchange information between the devices and the card.
• the magnetic tracks located on its reverse side are, during the positioning, positioned facing a longitudinal groove formed through the plate. Vis-à-vis this groove and on the other side of the plate, is arranged a head provided with magnetic air gaps, mounted on a carriage and guided by rails parallel to the groove.
• a motor drives a system of latches and this return pulleys which translate the read head by causing each of these gaps to follow ⁇ t and read the track that it has to process.
• the system automatically checks the admissibility of the ticket at its place of transaction, thanks to its isolated RI B.
• the device is provided with a removable mass memory on which is grouped and classified, according to their RI B, all the titles judged inadmissible because object of their holder's opposition or a ban from a banking organization.
• the device can thus discard, by simple consultation of its mass memory, the titles deemed inadmissible which are registered there.
• the device checks the identity of the issuer of the proposed security.
• the device is connected to a central banking control body using a demodulator modulator system connected to a telecommunications network. He sends the RI B read on the ticket to the central site and the site sends him back information allowing him to judge, at the place of the transaction, the admissibility of the ticket.
• the central control body communicates to the device a secret code called "Personal Identification Number” (PIN) known to the holder which, compared by the device to a code signified by the issuer, allows him to judge the identity between the issuer of the security and its holder.
• PIN Personal Identification Number
• the system performs the electronic transfer of funds corresponding to the validated transactions.
• the cispositif according to the addition stores the images of the transactions carried out inside a removable memory.
• the memory medium personalized with the contact details of the holder of the deposit, is sent regularly to a centralized banking organization, responsible for managing these accounts, which
• FIG. 1 is a schematic view generally describing the sequences of use of the device according to the addition;
• - Figure 2 is a descriptive diagram of the functional links of sets between ies diffférent essential subsets of the device according to the addition;
• - Figure 3 is a side side view of a mixed card (magnetic, memory);
• Figure 4 is a front side view of the card shown in Figure 3;
• - Figure 5 is a cutaway perspective view of the device according to the addition for blocking and processing of magnetic and memory cards;
• - Figures 6 and 7 show in section two embodiments, preferred depending on the addition, of the magnetic head of the device;
• - Figure 8 is a cutaway perspective view of the read-write mode, depending on the addition, multi-track magnetic cards;
• FIG. 9 is a schematic perspective view of the device integrated printing, preferred according to the addition, intended to carry out the edition of checks, tickets, slips -;
• FIG. 10 and Figure 11 show a perspective view and a partial view of a post-marking encoder wheel whose use is preferred inside the device according to the addition;
• FIG. 12 is an exploded view describing an embodiment of the encoder wheel according to the addition.
• FIG. 1 there is seen a device 1 for entering, processing and checking any payment document.
• the various functions that the device fulfills appear symbolized.
• an insertion slot 2 Inside which are introduced the form of check issued 3.
• a second insertion slot 4 reserved for processing magnetic cards 5 as well as memory cards 6 offered for payment.
• the device 1 checks the admissibility of the voucher after having isolated the RI B according to different methods which will be described later. To this end, the device 1 first checks that the title in question is not the subject of any opposition; it is one of the roles of the mass memory 10, located in its reserved housing 11 inside the device 1 is connected to the latter, which brings together the R l B of the payment titles subject to opposition both from a bank and from their owner. After all proposed titles 3, 5, 6, the device consults its memory 10 and rejects any payment title whose RI B is present among that of inadmissible titles.
• the device 1 checks the identity of the transmitter. To do this, it is connected to a central banking organization 12 via a demodulator modulator system symbolized at 13 and connected to a communication network 14. It transmits according to f1 ie RI B carried on the title at the central site 12 In return, the site 12 transmits according to f2, in the direction of the device 1, a personal centif ⁇ cat ⁇ on number (PIN) which it previously agreed with the holder of the title. The operator asks the issuer to signify what they consider to be their PIN. The transmitter enters its IP N using the keys 15 of the mobile keyboard 17 connected to the device 1 via the driver 18. The device 1 compares the two codes and considers that the transmitter is truly the holder if both correspond. In this case only, the transaction is accepted.
• PIN personal centif ⁇ cat ⁇ on number
• the device 1 After checking the admissibility of the transaction, the device 1 takes care of the transfer of the corresponding funds. To this end, it enters inside a removable memory, advantageously confused with memory 10, the amount of the transaction associated with the R I B of the formula. Periodically, the removable memory 10 is extracted from its housing 11 and addressed, as it appears in g1, to the central site
• This central organization 12 takes into account the transaction images carried by the memory 10, consequently carries out the updating, on the memory of a central management computer 20, of the accounts of the issuers and of the beneficiary-user of the device 1. l do it, in
• computer 20 at the centra! updates, in memory 10, the list of R I B of payment titles subject to an opposition.
• the removable memory medium 10 is redirected according to g2 and replaced in its housing 11. The device 1 can then operate using this new updated data.
• An accepted security is subject to the issue of a supporting document
• FIG. 2 schematically describes the organization and the operating sequences of the main scus-assemblies around which the device 1 is built according to the addition.
• a backing mechanism essentially constituted by a rubberized wheel 43, engraved with the coordinates of the user of the machine, is applied along 11 in the direction of the reverse side of the formula using 'a system of electromagnets not shown.
• This wheel 43 is driven along r'1 by the formula's own movement and performs the printing of the back.
• the read head 44 scrolls opposite the coded line 45 of the formula 3 and decodes the RI B 46 carried on this line.
• the formula is driven step by step along k2 by the motor 42 rotating sequentially along r2.
• a coding wheel 50 performs the post-marking character by character in the extreme extension of the coded line 45.
• the print head 51 movable along h transmits the formula by columns perpendicular to the axis of the check according to a method described below.
• the read head 44 as well as the endorser mechanism 43 are inactive, in particular the endorser has been rapped according to 12. It is noted that the relative arrangement of the different sub-assemblies intended to perform the placing steps in the form of a check has important operating advantages.
• the endorsing device 43 and the read head 44 carry out the processing of the formula at constant speed, which improves the precision and the quality of their work.
• the backer 43 does not require this means of movement.
• the coding wheel 50 and the print head 51 which precedes it, arranged beyond the drive mechanism 40 can print the formula 3 during a single sequential return path.
• the magnetic and memory cards are introduced inside the positioning, locking and processing device 60.
• FIGS. 3 and 4 a distinction is made between the structural differences which separate these two types of cards.
• the reverse side 62 of a mixed card (magnetic-memory) 61 is shown. This could also be the reverse side of a multitrack magnetic card. Indeed, we note the presence of different magnetic tracks 63, 64 and 65 located on the surface of the card 61.
• FIG. 4 we can see the back side 70 of the card 61.
• the card 61 supports an internal electronic memory which collects information which it is capable of exchanging with a processing device via contacts 72 to 79.
• the device 60 for processing cards appears enlarged.
• a card 61 has just been inserted along n1 inside the front insertion slot 4 and placed on the plate 81.
• This card is covered by a jaw 82, movable along o and urged along ol by a non-apparent spring system.
• a cylindrical bush 83 provided with electrodes at its lower part is placed and slides freely inside a recess 84 formed in the jaw 82.
• the jaw 82 is capped with a carriage 95 movable and guided along p, the lower face of which is provided with two sets of cams with pads 96 and 97.
• the carriage 95 is translated along p1 by virtue of the movement according to ql of the cam 100 actuated by the electromagnet 101 applying to the integral caster 102 of the carriage 95.
• the lateral pads 96 of the carriage cooperate with the pads 106 of the jaw.
• the latter is applied according to o2 against the card 61 which is thus blocked vis-à-vis the plate 81.
• the device 1 detects its nature because the socket 83 does not encounter, after lowering, the presence of any contact facing these electrodes 86 to 93. In this case, or in the case where one wishes to process the magnetic tracks of a mixed card, the device controls the following translation of the carriage 110 guided by the side rails 111 and 112 and which support the magnetic read / write head 115.
• a longitudinal light 117 is provided in the plate 81 facing the normalized position of the magnetic tracks 63, 64 and 65. The magnetic head 115 is applied against the card through the light 117 and moved along the magnetic tracks.
• the cam 100 is moved along q2 using the electromagnet 101, the spring system 118 recalls the carriage 95 according to p2 and the cams 95 and 106, 97 and 107 , dissociate.
• the socket 83 rises along ol and the jaw 82 releases the card 61 which can be removed from the slot 4.
• FIGS. 6 and 7 two principles of articulation of the head 115 are described with respect to the movable frame 110 which ensure perfect application of the latter with respect to the magnetic tracks, during its movement of translation and this even in the case where the card 61 is somewhat veiled.
• the magnetic head 115 the active part of which is located at the upper part at 127.
• this head has two grooves 130 and 131 hollowed out longitudinally and symmetrically along its side walls.
• the head 115 is freely introduced inside a cylindrical cavity 132 of axis aa ′ formed inside the frame 110.
• the frame meanwhile is pierced with two cylindrical recesses 134 and 135 coaxial to the same axis cc 'orthogonal to the axis aa'.
• Inside each of the recesses 134 and 135 are partially introduced those balls 137 and 138, engaged by their wings in each of the two grooves 130 and 131.
• FIG 7 there is another embodiment of the head 115.
• the latter is pierced with an axial recess 157 and introduced freely inside a cavity 132 of axis aa 'formed inside the frame 110.
• the frame meanwhile is hollowed out, longitudinally and symmetrically with respect to its axis, of two grooves 160 and 161.
• two balls 137 and 138 are partially introduced, moreover engaged in each of the grooves 160 and 161.
• These two balls pushed frontally against these grooves cooperate with them by the action of a spring 164 located between them inside the recess 157. It is easy to imagine that this type of articulation allows free rotation of the head around of the x axis secured to the frame, as well as around the y2 axis secured to the head.
• FIG. 8 there is a distinction between the head 115 described in FIG. 6 during activity along a multitrack magnetic card 61.
• the card has been raised slightly so as not to clutter the figure.
• the head 115 is engaged and articulated inside the cavity 132.
• the ball is applied against the groove by means of the spring 139 tooth la pressure is adjusted by the screw 170.
• a head articulated according to the preceding principles intimately follows the deformations and curtains of a card during its translation along s along the tracks and thus ensures faithful processing of multitrack magnetic cards.
• FIG. 9 describes the operating principles of the printing device 173 leading, in a unified mode, to the edition of the checks 3, of the various supporting bundles 25, 26 and of the ticket 27, of the newspaper of the day 29 and, as we as will be seen below, a grouping slip 32.
• These different documents all have a different format and printing direction.
• a blank check formula 3 has just been introduced along k between the walls 179 and 180 of the insertion slot 2.
• a ribbon spring 185 with an opposite double spiral is fixed at 185 st 187 on the plate 33.
• the active part 188 of the spring 185 is applied against the left edge 190 of the formula 3. Therefore, the right edge 191 of the formula is pressed along 1 against the vertical wall 193 of the plate 38 and serves as a guide. So, ia formula is perfectly directed along k during its translational movement.
• the entire document to be edited is stored electronically in 193 in a form that can be compared to a table reproducing the image of the document you wish to print.
• the interface 199 controls the sequential starting of the motor 42.
• the print head 51 (in particular with needles) edits, perpendicular to k and along h, a series of parallel slices of symbols. To do this, it is fixed on the carriage 200 and guided along h by the rails 201 and 202.
• the carriage 200 performs a sequential outward movement following h1 and a return following h2 to the using the stepping motor 206, pulleys 203 and 204 and the guide 205 partially wound on these pulleys and fixed on the frame 200 at its two ends.
• the interface 199 isolates the successive slices of symbols which must be printed inside the table of memory 198. Through the Motor 206, it controls the movements as well as the actions of the head and delivers the printing sequences of each symbol of a slice. When the printing of a slice is carried out, the print head is returned along h2 to its rest position. During this phase, the print head is inactive.
• the interface 199 then directs the action of the motor 42 so as to position a new slice to be printed facing the head. A new printing phase takes place and this until all the slices of symbols that make up the document have been edited.
• the Interface 199 then controls the ejection of the document via the engine 42.
• documents 3, 25, 26, 27 have very different dimensions and geometries.
• the lines of the formula 3 and of the ticket 27 are directed along k, while those of the tickets 25 and 26 are directed along h.
• all of these documents were printed in successive bands of symbols aligned along h.
• elements 43, 44 and 50 have not been represented opposite the plate 38 in FIG. 5.
• the post-marking coding wheel 50 performs its printing symbol by symbol during the stop phases of the check formula vis-à-vis the plate 38
• the print head 51 shown in FIG. 5 is only intended to work only vis-à-vis a single plate 38. It is easily understood that it is possible, by lengthening the amplitude of the rails guide 201 and 202 to make the print head 51 of the device 178 work with respect to two independent, parallel and contiguous document transmission plates. This is what has been achieved inside the device 1 shown in FIG. 1.
• the formulas 3, the tickets 25, 26 and 27, as well as the daily newspaper 29 are edited from the plate 38 in the extension of the insertion slot 2.
• grouping slips 32 large widths, are printed, still using the head 51, on a track 30 parallel to the plate 38 and extended to its right by a wall 31 facilitating guiding.
• FIGS. 10, 11 and 12 there is a coding wheel 50 intended for post-marking check formulas and produced according to a preferred form of addition.
• the wheel 50 of thin cylindrical shape, is constituted by a stack of metal plates 210 around the axis of rotation 211.
• the side wall of the wheel CMC7 50 on which appears the character O represented in the coding system CMC7. Indeed, on the side walls of the wheel are distributed the imprints of each of the characters.
• the character O is made up, like all the others, by the juxtaposition with spacing of a parallel alignment in relief of small rectangular parallelepipeds 212.
• FIG. 12 describes the method of manufacture and assembly of the wheel 50. It can be seen in exploded form the constituent elements of a CM C7 coding head according to the addition.
• the active part of the print head is formed by five almost circular plates 222 to 226.
• the plates 222, 224 and 226, of external diameter Re, are crenellated.
• Each small slot 228 which surrounds these plates constitutes one of the parallelepipeds a subset of the imprint of a character of the wheel.
• Lacquers 223 and 225 serve as spacers between 222, 224 and 226. They are circular and have an outside diameter Ri.
• Each of the constituent plates of the wheel 50 was obtained by cold cutting inside a metal sheet. They are joined by means of two flanges 230 and 231 and held by two screws 233 and 234 which pass through them right through.
• the two sets of lights 236 and 238 are intended to receive the screws 233 and 234 while the set 237 must contain a wedge axis threaded in force inside after assembly so as to secure and align each of the cylindrical plates.
• a stepping motor 260 actuates the wheel 50 around its axis 221 by means of two pinions 261 and 262. It makes it possible to select the character to be printed. Opposite this is arranged a conventional striking system consisting of an electromagnet 270 actuating the cam 271 returned by the spring 272. The hammer 275 is thus directed by Pulse along I facing an ink ribbon not shown.
• the check forms issued are processed inside the piatine 38.
• both magnetic and memory are processed in the cispositif 60.
• the device 1 isolates the R i B of each of these titles. Then, he proceeds to a phase of the admissibility of the title which is symbolized in 280.
• the control of the admissibility of the check forms 3 and of the cards 5, 6 is carried out according to the same sequences and using common devices. . This can be done "on line" by information exchange using MODEM 13 connected by a telecommunications network 15 to a control body 12, the latter receiving from device 1 the R IB of the ticket in question and transmitting in return information allowing to judge of its receipt bility.
• the control can be carried out in "off Une” using the memory 10 allowing the device to judge on the spot of the non-opposition made on the title.
• the device 1 performs a test at 281 of the identity of the transmitter. To do this, it checks with a comparator 282 the identity between a code supplied by the transmitter at 17 and a PIN supplied elsewhere to the device, ie in "one” notably by the control body 12 , or "off line” by an internal computer. At the end of this test, the payment order is either rejected, as it is shown in 283, or validated and is then the subject of an automatic adjustment of the accounts in 284 which can also be carried out in "on line "remotely or via memory 10 regularly transmitted to a specialized banking organization. All of the functions performed by the device 1 are entirely microprocessor-controlled.
• this device reduces the mobilization of the customer, the latter only having to provide the payment voucher that he offers and possibly to communicate his Nl P, - benefits the user of the device to which it performs a complete management of daily transactions and to which it ensures the admissibility of the title,

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• Business, Economics & Management (AREA)
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• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Engineering & Computer Science (AREA)
• Theoretical Computer Science (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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• 1982
  • 1982-06-25 AU AU86832/82A patent/AU8683282A/en not_active Abandoned
  • 1982-06-25 WO PCT/FR1982/000108 patent/WO1983000245A1/en unknown
  • 1982-06-25 EP EP19820901973 patent/EP0082175A1/de not_active Withdrawn

Non-Patent Citations (1)

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