EP0917114A1 - Dispositif automatique pour paiement - Google Patents

Dispositif automatique pour paiement Download PDF

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Publication number
EP0917114A1
EP0917114A1 EP98118927A EP98118927A EP0917114A1 EP 0917114 A1 EP0917114 A1 EP 0917114A1 EP 98118927 A EP98118927 A EP 98118927A EP 98118927 A EP98118927 A EP 98118927A EP 0917114 A1 EP0917114 A1 EP 0917114A1
Authority
EP
European Patent Office
Prior art keywords
deposit machine
machine according
paid
deposit
display
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP98118927A
Other languages
German (de)
English (en)
Inventor
Peter Leicher
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Leicher Projekt GmbH
Original Assignee
Leicher & Co GmbH
Leicher GmbH and Co
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Leicher & Co GmbH, Leicher GmbH and Co filed Critical Leicher & Co GmbH
Publication of EP0917114A1 publication Critical patent/EP0917114A1/fr
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader

Definitions

  • the invention relates to a deposit machine with a Device for accepting banknotes.
  • Such deposit machines that make the deposit smoother Amounts with banknotes are known. Farther for example in the area of ticket sales deposit machines used for public transport, who accept coins as well as banknotes and if necessary, pay the appropriate change in coins, so that any amount with these deposit machines can be deposited. The acceptance of coins however leads to a relatively high mechanical effort, the size of the device and the need for repairs elevated.
  • the invention is therefore based on the object of providing a deposit machine of the type mentioned at the outset which can accept any amounts and is mechanically particularly simple.
  • An automated teller machine becomes an automated teller machine understood, which is intended in particular for depositing money is.
  • a money card is a chip card, on which a certain monetary value is stored and which can be debited from this.
  • These money cards are too referred to as electronic purses.
  • Deposit machine equipped with a microprocessor control, with which it is possible to accept cash cards, either with a memory chip or with are equipped with a microcontroller chip.
  • a microcontroller chip In the first case it is usually only possible to debit amounts of money and the cash or chip card is gradually emptied.
  • the Money cards are also designed to also make a deposit and the transfer of amounts to the cash card is possible is.
  • the deposit machine is therefore preferably designed so that it a certain percentage of the amount to be paid determined and at least the deposit of this amount requested in banknotes.
  • the cash deposit machine is designed so that it at least 50% or 80% of the amount to be paid in the form of banknotes.
  • the deposit machine is designed so that he deposits the largest possible sum in banknotes demands. This means that, for example, with a deposit Amount of DM 87.50 a deposit of DM 80.00 Banknotes is required.
  • the deposit machine is this designed so that a chargeback of a amount overpaid with banknotes on the money card is possible.
  • An interpretation is also preferred the ATM in accordance with the above statements, so that only up to a certain limit amount can be paid in addition.
  • a deposit is only favorable until the next upper one "even" sum. In the example above, this would be one Amount of DM 90.
  • the acceptance of credit cards with a PIN verification possible through the deposit machine can either a separate input device can be provided or a combined input device, with the money cards Chip and cards with magnetic stripes can be captured.
  • the deposit machine preferably has a device via which a data connection to the corresponding Information networks of savings banks and banks exist, so that there is also the possibility of making deposits to be paid to third party accounts based on existing invoices.
  • This facility can be both offline in the form of a data exchange disk as well as online via connection to the Corresponding computer networks of the bank or the data center be realized.
  • an input terminal is provided on which the user the necessary information on a keyboard, the one Typewriter or computer keyboard can.
  • a screen preferably a liquid crystal screen is provided, on which the data entered via the terminal is displayed so that the user can control his entries can.
  • the screen is also a touchscreen flat screen trained, via which the user can make his entries can, so the keyboard can only be used in emergencies must or may even be dispensed with entirely can.
  • a signature terminal provided, which consists of a flat Area exists, which is provided with sensors.
  • This does not necessarily have a colored lettering must leave, but also simple in execution moving with a pen-like, color-free object can be done is not just the shape of the Lettering, but also on the document pressure exerted on the individual parts of the lettering and recorded the speed.
  • the speed can the execution of the signature at every single point of the Signature with the appropriate speeds one previously compared signature stored in the same way become. This way security, in particular when using credit cards or carrying out of transactions that identify the user require maximized.
  • a camera is provided, either one Video camera or photo camera can be used.
  • a video camera could either be continuous run or activated just like a photo camera then if due to the input or one at the Evaluation of the money card error or There is suspicion that a manipulated money card is used.
  • a control is conveniently here or monitoring the camera in such a way provided that closing or darkening an opening for the Camera found with a photodiode, for example can be and in such a case the acceptance of the cash card is denied or the entire operation of the deposit machine temporarily suspended.
  • an alarm circuit is provided which a signal that can be perceived directly on the deposit machine triggers and / or a signal to the next supervisor or forwards police station.
  • the camera can also in such a way with Central computers that are connected by the camera picture taken of the customer and especially the face of the customer with appropriate software in the central computer is evaluated and identified and on this Way an identification of the customer and thus the used Debit card or credit card is carried out.
  • the deposit machine is also preferred with a device equipped to create and issue customer receipts, so that after performing a transaction written receipt can be issued to the customer.
  • a device for capturing and reading Provide evidence so that the user has an associated one Enter a voucher in the deposit machine can, which is evaluated by the deposit machine is, so that then a processing and possibly a Booking or payment can be made.
  • a slot for conventional night safe cassettes or envelopes provided in which larger amounts of money available. In this way there is also one Safe entry of larger amounts of money possible.
  • the facility for accepting banknotes and in particular the money storage unit in an audited and certified security container are the facility for accepting banknotes and in particular the money storage unit in an audited and certified security container.
  • the invention is based on one in the drawing illustrated embodiment further explained.
  • the schematic representation shows the only one Figure of the drawing is a front view of an inventive Deposit machines.
  • FIG. 1 In the figure is a front of a deposit machine 1 shown.
  • the deposit machine 1 has a functional unit 11 on which, for example, one to be bought Ticket is selected or a similar entry is made or generally a selection is made.
  • a display 4 shows the amount to be paid by the user who is the front of the deposit machine 1 is to be paid.
  • the two institutions 2 and 3 is a display 5 and 6 respectively Assigned adjacent, which shows which partial amounts which payment method is used to pay can.
  • the device for Acceptance of bills 2 is associated with that for example DM 100, DM 110 or DM 120 with notes can be deposited. Furthermore, in this Display that larger amounts of DM 130, - DM 140, - or DM 150, - can be paid in, then a corresponding change amount on the money card is posted back.
  • the display 6 that is directly adjacent arranged to the device for accepting the money card 3 is designed so that the possible first remaining amounts to be paid in the above example DM 23.47, DM 13.47 and 3.47 and those to be refunded accordingly Amounts of DM 6.53, DM 16.53 and DM 26.53 are displayed.
  • the facility for accepting banknotes is favorable 2 and the device for accepting money cards 3 in a combined handle and viewing height between 1 meter and 1.50 m above the ground.
  • the Device for accepting bills 2 above the device arranged to accept the money card 3 and each to the left of these are the corresponding displays 5 and 6 arranged since most people are right-handed and so when operating facilities 2 and 3 displays 5 and 6 are not covered.
  • the display 4, which shows the total amount is convenient arranged above the displays 5 and 6, so that the displays 4, 5 and 6 are arranged one above the other and so one Form a column.
  • Terminal 7 can also be used for Entering PIN numbers to verify the chip cards be used.
  • a pure PIN number input device is also possible, but has a complete Terminal the advantage that even more complex entries can be entered on this, so that for example
  • There is also the option of making deposits into accounts To be carried out by third parties on the basis of existing invoices. Specifically for these tasks is on the back of the deposit machine an electrical connection provided with the usual telephone lines used for data transmission is connected so that a data connection to Savings banks and banks can be established.
  • the data entered via Terminal 7 is displayed, so that it is checked by the user for correctness can be. You can also continue on the screen 8 interactive instructions are given with which the Operation of the deposit machine 1 is controlled.
  • a signature terminal 9 In the lower right area of the deposit machine 1, on level with Terminal 7 is a signature terminal 9 arranged, which one from the machine level outstanding area forms on which a signature is made can be.
  • the signature terminal 9 has one sensory area on which a writing movement on this area can capture. No pen is necessary for this, but just a hard, pointed object, with which a certain pressure is created on the surface, the can be detected by the sensors. The sensors detect in this way the typeface and the pressure that the respective Person exercising the signature movement. Further the speed at which the signature is recorded is also recorded is performed.
  • an opening 10 is provided, behind which a camera 12 is arranged.
  • the user can are captured photographically or video-technically, if the type of entry on Terminal 7, the type the signature made on the signature terminal 9 or the chip card used when checking it in the facility for accepting money cards 3 or one Verification of banknotes in the acceptance facility of banknotes 2 leads to the suspicion that possibly the deposit machine 1 is manipulated should.
  • Terminal 7, signature terminal 9, the facility to accept banknotes 2 and the establishment to accept money cards 3 are therefore with an alarm circuit connected, on the one hand the camera behind the Opening 10 actuated and on the other an acoustic or can trigger an optical signal at the deposit machine and / or a silent signal to the next supervisor or forwards to a police station.
  • an a photodiode is provided in the area of the opening 10, which measures the brightness incident there or in one behind the opening 10 provided video camera 12 that received image constantly checked for contrasts, so that in the event of darkening and a sudden decrease in contrast the alarm circuit is also activated.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP98118927A 1997-11-14 1998-10-07 Dispositif automatique pour paiement Withdrawn EP0917114A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19750644 1997-11-14
DE1997150644 DE19750644A1 (de) 1997-11-14 1997-11-14 Einzahlungsautomat

Publications (1)

Publication Number Publication Date
EP0917114A1 true EP0917114A1 (fr) 1999-05-19

Family

ID=7848831

Family Applications (1)

Application Number Title Priority Date Filing Date
EP98118927A Withdrawn EP0917114A1 (fr) 1997-11-14 1998-10-07 Dispositif automatique pour paiement

Country Status (2)

Country Link
EP (1) EP0917114A1 (fr)
DE (1) DE19750644A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1752941A1 (fr) * 2005-07-11 2007-02-14 Novotech Elektronik Gesellschaft m.b.H. Dispositif et procédé destinés à la reconnaissance et à l'affectation de pièces de monnaie contrefaites ou suspectées de l'être
WO2008061553A1 (fr) * 2006-11-24 2008-05-29 Maku Informationstechnik Gmbh Automate de distribution d'argent, de caisse ou de change
EP2278559A3 (fr) * 2000-06-13 2012-06-06 Giesecke & Devrient GmbH Suivi de billets de banque contrefaits

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10245599A1 (de) * 2002-09-30 2004-04-08 Giesecke & Devrient Gmbh Verfahren zum Bezahlen unter Verwendung von elektronischem Geld
DE102009018322A1 (de) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Selbstbedienungsterminal mit Kamera zum Erkennen von Manipulationsversuchen
DE102009018321A1 (de) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Selbstbedienungsterminal mit Kamera-Anordnung zum Erkennen von Manipulationsversuchen

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4809837A (en) * 1984-04-16 1989-03-07 Kabushiki Kaisha Nippon Coinco Control device for a vending machine and gift certificate for use thereon
EP0332161A2 (fr) * 1988-03-09 1989-09-13 Robot Foto & Electronic GmbH & Co KG Dispositif de surveillance pour sécurité de distributeurs automatiques
EP0356121A2 (fr) * 1988-08-19 1990-02-28 Kabushiki Kaisha Toshiba Système de transactions avec un dispositif de traitement de carte prépayée
EP0494796A2 (fr) * 1991-01-11 1992-07-15 NCR International, Inc. Dispositif et méthode pour l'enregistrement de transactions
US5183142A (en) * 1990-10-18 1993-02-02 Ramy Systems, Inc. Automated cashier system

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19545501A1 (de) * 1995-12-06 1997-06-12 Nat Rejectors Gmbh Mit Bargeld oder Zahlungskarten betätigbarer Verkaufsautomat

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4809837A (en) * 1984-04-16 1989-03-07 Kabushiki Kaisha Nippon Coinco Control device for a vending machine and gift certificate for use thereon
EP0332161A2 (fr) * 1988-03-09 1989-09-13 Robot Foto & Electronic GmbH & Co KG Dispositif de surveillance pour sécurité de distributeurs automatiques
EP0356121A2 (fr) * 1988-08-19 1990-02-28 Kabushiki Kaisha Toshiba Système de transactions avec un dispositif de traitement de carte prépayée
US5183142A (en) * 1990-10-18 1993-02-02 Ramy Systems, Inc. Automated cashier system
EP0494796A2 (fr) * 1991-01-11 1992-07-15 NCR International, Inc. Dispositif et méthode pour l'enregistrement de transactions

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2278559A3 (fr) * 2000-06-13 2012-06-06 Giesecke & Devrient GmbH Suivi de billets de banque contrefaits
EP1752941A1 (fr) * 2005-07-11 2007-02-14 Novotech Elektronik Gesellschaft m.b.H. Dispositif et procédé destinés à la reconnaissance et à l'affectation de pièces de monnaie contrefaites ou suspectées de l'être
WO2008061553A1 (fr) * 2006-11-24 2008-05-29 Maku Informationstechnik Gmbh Automate de distribution d'argent, de caisse ou de change

Also Published As

Publication number Publication date
DE19750644A1 (de) 1999-05-27

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