Classifications

• • 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
  • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
  • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
  • G07D11/009—Depositing devices
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
  • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
  • G07D11/20—Controlling or monitoring the operation of devices; Data handling
  • G07D11/32—Record keeping
  • G07D11/34—Monitoring the contents of devices, e.g. the number of stored valuable papers
• • 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]
  • G07F19/203—Dispensing operations within ATMs
• • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
  • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
  • Y02A—TECHNOLOGIES FOR ADAPTATION TO CLIMATE CHANGE
  • Y02A90/00—Technologies having an indirect contribution to adaptation to climate change
  • Y02A90/10—Information and communication technologies [ICT] supporting adaptation to climate change, e.g. for weather forecasting or climate simulation

Definitions

• the invention relates to the field of processing payment vouchers, and more precisely transactions between transaction stations linked, by telematic means, to a central data collection station.
• Positions capable of performing such transactions generally include:
• a payment voucher reader capable of acquiring data contained in a payment voucher that it has just received
• a nominative payment document such as a credit card
• a debit or credit transaction from a first confidential account (for example that of a client holding the nominative title) to a second confidential account (for example that of the owner of the transaction item concerned).
• Such a transaction mode offers great security for the owner of the station since he does not need to keep payment vouchers on the spot, and therefore to carry such vouchers to the bank. Consequently, no one can be tempted to attack the station or its owner.
• pre-registered value payment vouchers also called bearer vouchers
• banknotes whatever its origin
• traveller's checks or even restaurant vouchers
• restaurant vouchers the value of which is known and registered beforehand without possibility of modification
• the owner of the post is obliged to store the security with registered value for a while, then take it to their bank so that their account can be credited.
• the owner of the station, or the station himself is in possession of payment vouchers with registered value, he risks being the subject of a criminal attack.
• An object of the invention is therefore to provide a device which makes it possible to secure the transactions carried out with the aid of payment vouchers with registered value.
• the invention proposes a device of the type defined in the introduction in which:
• the reader is able to acquire the data of payment vouchers with registered value, and in particular banknotes and travelers checks, so that the device can address to the central station, by way telematics preferably using the so-called network
• TRANSPAC at least the value entered on the payment document entered in the reader so that this value is credited to the confidential account designated by the identifier of the transaction item
• a client the holder of a bearer document enters their value payment document entered in the device. Its value is read there, transmitted by telematic means to the central station, then credited to the account of the owner of the station concerned. The title is then neutralized so that it can no longer be wished.
• Neutralization can be carried out, for example, by enclosing the ticket in a secure room which can only be opened by an authorized person. Such rooms are known in ATMs.
• the neutralization means comprise means capable of invalidating the payment document once the transaction has ended.
• This invalidation preferably consists of a marking or destruction, partial or total, of the payment document.
• This invalidation can be carried out in the secure room.
• the data acquired, then sent to the central station comprises at least one of the information of a group comprising the serial number and issue number of the payment instrument processed.
• the device installed in the station includes decision means capable, upon reception of such a signal, of deciding whether to continue or interrupt the transaction in progress,
• the decision means can be arranged in such a way that, in the event of a decision to interrupt the transaction, they order the reader to expel the payment instrument processed, or else they order the means of neutralization. neutralization of the payment instrument processed.
• the station owner can thus be protected against payments by invalid payment vouchers.
• the false Payment vouchers can therefore no longer be sold by counterfeiters as easily as before.
• the invention also provides a method of processing payment vouchers comprising the following steps: a) placing a payment voucher with registered value, and in particular banknotes and travel or meal vouchers, in a reader installed in a transaction item linked, by telematic means, with other transaction items to a central data collection station, b) using the reader to acquire at least the value written on the payment document, c) to send by channel telematics at the central station the registered value acquired accompanied by an identifier of the transaction item concerned, d) credit the amount of the registered value sent, by telematic means, a confidential account designated by the identifier of the transaction item, and e ) neutralize the payment instrument once the transaction is completed.
• step e) comprises a sub-step el) of invalidation of the payment document which preferably consists of marking or destruction, partial or total, of said document.
• step b) at least one of the pieces of information of a group comprising the serial number and the issue number of the payment instrument processed is acquired, so as to allow its authentication.
• Such authentication can in particular be carried out between steps c) and d) using the following sub-steps: cl) perform a comparison between the data received from the transaction item (such as for example a registered value and a number serial number and / or issue number) and data stored in a central memory as representative bytes each of a payment item in circulation, each byte comprising at least one value and a serial number and / or an issue number, possibly accompanied by theft declaration information, so as to determine whether the payment voucher corresponding to the data received is valid or invalid, and c2) send, at least in the event of determination of an invalidity, to the transaction station which sent the data to the central station, a signal representative of the determination made to step c1); an invalidity signal causing direct passage to step e) of neutralization of the payment order.
• the data received from the transaction item such as for example a registered value and a number serial number and / or issue number
• data stored in a central memory as representative bytes each of a payment item in circulation, each byte compris
• FIG. 1 schematically illustrates an installation for processing payment vouchers by telematic means
• FIG. 2 schematically illustrates a transaction station, equipped with the device according to the invention, which can be used in an installation of the type illustrated in Figure 1;
• FIG. 3 schematically details a preferred embodiment of the device according to the invention partially illustrated in FIG. 2.
• FIG. 1 shows an installation making it possible to establish links by telematic means between transaction stations 1 and a central data collection station 2.
• a central station 2 may for example be installed at the Bank of France.
• the various transaction stations and the central station form a network which preferably operates according to the TRANSPAC standard.
• Such installations are known, in particular in the field of processing nominative bank cards (or more generally credit cards).
• each transaction station includes a credit card reader which makes it possible to establish a dialogue between a credit card holder and the confidential bank account which belongs to him and which is designated by an identifier I, via the central station. 2.
• the owner of a card introduces said card into the reader, by an entry slot 23, then types its confidential code which can be directly the identifier I.
• the reader acquires data contained in the electronic chip of the credit card. These data are generally stored in a memory 3 of the reader, then sent by the transaction station to the central station 2, accompanied by the identifier I of the credit card, the identifier I 'of the station and the amount of the transaction V.
• the central station 2 On receipt of these data (I, I ′, V), the central station 2 first of all interrogates a central memory 4 in which the coordinates of the stolen and / or invalid credit cards are listed, or else the coordinates of all valid cards accompanied by possible theft declaration information.
• the central station 2 sends a message (or signal) to the transaction station concerned, which is then notified. A message is then displayed on the screen of the transaction station and the card is generally rejected.
• the central station 2 interrogates the confidential bank account designated by the identifier I of the credit card to find out whether this account can be debited (or credited). If so, the central station 2 sends a message (or signal) to the transaction station concerned which indicates that the transaction can be carried out. The account can then be credited or debited.
• the central station sends a message (or signal) to the relevant transaction item 1, which indicates that the transaction cannot be carried out.
• the post can then decide to reject the credit card.
• the main object of the invention is to propose a device for processing payment vouchers known as "registered value", which can be installed in transaction stations of installations of the type described above.
• the device according to the invention more specifically relates to the processing of payment vouchers of the type of banknotes or travelers checks, or else restaurant vouchers, and more generally any type of official payment voucher (known as "bearer"). ) on which the security value is written in a legible place.
• Such a device can either be installed in isolation in a transaction station 1, or implemented in parallel with a device for reading credit cards (nominative payment voucher) already installed in a transaction station, or even carried out with the double reading of registered value credit and title card (as shown in Figure 2).
• FIG. 2 shows a transaction station 1 equipped with a first device for reading payment vouchers with registered value 5, and a second device for reading credit cards 6.
• the management of transactions is made possible by a keyboard 8 allowing the user of the transaction station as well as the customers to enter information representative of the transaction to be carried out V and of identifiers of the credit card I and of the transaction I '.
• This keyboard 8 is connected to a management module 12 (see FIG. 3) capable of managing the dual device for processing payment vouchers 7, connected to display means 9 comprising a screen, for example of the liquid crystal type, and making it possible to establish a dialogue between transaction station 1 and the rest of the network.
• a management module 12 capable of managing the dual device for processing payment vouchers 7, connected to display means 9 comprising a screen, for example of the liquid crystal type, and making it possible to establish a dialogue between transaction station 1 and the rest of the network.
• the management module is connected via an input / output interface 10 and a connection cable 11 to the network of the installation.
• FIG. 3 to describe a preferred embodiment of the treatment device according to the invention.
• the processing device comprises a double reading device 7 managed by the management module 12.
• the first reading device 5 comprises first of all an entry slot 13 placed on a front panel 14 of the transaction station 1 and masking means 15 (represented in dashes) intended to entail the payment order (which will be called thereafter bank note B) at a reading zone 16.
• the drive means preferably comprise an "endless" belt mounted on cylinders driven in rotation clockwise or counterclockwise by a motor (not shown in the figure).
• the reading area 16 comprises reading means 17 (shown in dotted lines) suitable for acquiring at least the value written V on the ticket B.
• the reading means 17 preferably comprise means for scanning capable of driving a read head over substantially the entire surface of the reading area 16, as well as analysis means capable of recognizing the different types of data acquired by the reading means, and in particular the value entered V.
• These analysis means are preferably capable of recognizing the origin of the payment order. In other words, they may be able to detect whether the banknote to be processed is of French or American origin, for example, which allows transactions to be carried out without going through a currency exchange office.
• the reading means are capable of also acquiring at least the serial number n ° S and / or the issue number n ° E of the payment document B. It can also record the year of issue D of said title B. In fact, the reading means are designed so as to produce a facsimile of the payment title being processed.
• These reading means 17 are preferably connected to a memory 3 in which the acquired data are stored (written value V possibly accompanied by the serial number n ° S, the emission number n ° E and the date D) .
• a memory 3 in which the acquired data are stored (written value V possibly accompanied by the serial number n ° S, the emission number n ° E and the date D) .
• Such a memory notably allows the user of the station to know the cumulative amount of transactions that the station has carried out for a given time.
• the data is sent by the management means 12, by telematic means (using the cable 11 connected to the network), to the central station 2, accompanied by the identifier I 'of the transaction station. concerned 1.
• the central station 2 analyzes the identifier I 'of the transaction item concerned in order to determine the confidential account number associated with it, and to be able to connect to the corresponding bank.
• the confidential account of the owner of the identified transaction item is then credited with the amount of the entered value V of the payment document B being processed.
• the central station 2 then sends a message (or signal), by telematic means, to the transaction station 1 which had sent the data to it, and more particularly to the management means 12, so that they order a neutralization of the payment title B located in the reading area 16.
• a message or signal
• Such neutralization can be carried out in several forms.
• the payment document B is entrained in a secure room 18, with access controlled by an entry slot 21, where it is stored together with the payment documents previously processed.
• the securities somehow pile up on top of each other until the secure chamber 18 is full.
• An extraction hatch (not shown) is provided to allow the removal of the secure chamber 18 when it is full and its replacement by a new empty secure chamber.
• This type of secure room 18 can only be opened by an authorized person. They can be equipped with automatic invalidation means leading to indelible marking, or hot bonding, payment vouchers in the event of an unauthorized tampering with the cassette.
• This type of secure room is known in the field of automatic teller machines, in particular.
• a chamber 18, but not necessarily secure is also provided, as well as means of invalidation 19 of the payment vouchers B.
• means of invalidation can be, for example, means of marking the ticket. B by punching or with an indelible ink, or by means of partial or total destruction of the B ticket (as illustrated).
• the invalidation means 19 comprise a grinder capable of cut, for example into thin strips 20, the payment document B which is presented to it.
• the passage from the reading zone 16 to the chamber 18, via the access slot 21, is ensured by the drive means 15.
• the slot 21, the drive means 15 and the crusher 19 is controlled by the management module 12.
• the drive means 15 slide the ticket up to the slot 21, which has received authorization to opening, and the invalidation means 19 (here the grinder) are put into operation.
• the ticket is then neutralized (here invalidated by cutting into fine strips).
• the invalidation means 19 when the invalidation means 19 do not result in a partial or total destruction of the payment document, but simply an invalidation by marking, it may be useful for the chamber 18 to be secured so that tickets can be later repackaged by a person authorized to do so.
• the neutralization means 19 can be directly provided in the reading area 16. It is clear that in this particular case, it is preferable that the neutralization consists of an invalidation by marking, such as for example a punch - swimming, or dabbing. However, as in the first embodiment, it is possible to provide a secure room 18, or not, for receiving the neutralized payment order. If this is not the case, the payment document can be removed from the device, after neutralization, by the entry slot 13, by means of the drive means 15 controlled by the management means 12. The neutralized payment document (here invalidated by marking) can then be recovered by the person who handles the transaction station, then stored, or else thrown into a trash collector.
• the device according to the invention offers significant security to the owner of the transaction station, insofar as, on the one hand, he no longer needs to store the payment titles with registered value, and on the other hand, his confidential account is directly credited without him being obliged to transfer the funds to his personal bank.
• the security offered by the device according to the invention can be further increased.
• the central station 2 which is for example the Bank of France, generally has in a central memory 4 a list comprising the contact details of all the payment vouchers in circulation, accompanied by theft declaration information.
• a list can be formed, for example, of bytes comprising a value, an issue number, a serial number, a date, etc.
• each byte corresponds to an official payment voucher.
• the management means 12 of the device can, at the same time as they send to the central station 2 the data acquired on the payment order B and the identifier I 'of the transaction item 1 concerned, send a request asking this central station 2 to carry out an authentication of the payment document B being processed.
• the central station 2 can interrogate the lists contained in the central memory 4 (this memory can be located in another place than the central station). This interrogation consists of a comparison between the data received from the transaction station and the data stored in the form of bytes in the central memory 4. The result of this comparison is put in the form of a message (or signal) which is then sent to the transaction 1 which sent the data and the authentication request.
• This message (or signal) is received by the management means 12, which preferably include decision means 22 capable of deciding whether to continue or interrupt the transaction in progress according to the content of the message (or signal ).
• the decision means 22 order the drive means 15 to reject the payment voucher which is placed in the reading zone 16. The transaction is then interrupted.
• the decision means 22 can order the neutralization of the payment document being processed, by one of the means described above, according to the embodiment of the device.
• This variant relates more particularly to banks, since invalid banknotes are generally seized there.
• an intermediate operating mode can be provided in which the decision means 22 ask the management means 12 to display a message on the screen of the display means 9 of the transaction 1, so that the user of this item decides either to reject the payment order or to neutralize it.
• the central station 2 uses the identifier I 'of the transaction station 1 to determine the confidential code which corresponds to it and to credit the amount of the value entered V to this confidential account. Once this transaction is complete, the central station 2 sends a message (or signal) to the management means 12 of the transaction station concerned, which is then able to neutralize the payment document B, according to one of the modes described previously.
• the central station proceeds to delete from the central memory the byte corresponding to said title, so that its contact details cannot be reused later by a forger.
• the management means 12 manage both the transactions relating to registered securities and to registered value.
• the operating mode of the device for reading registered securities being identical to that used in known installations, and having been described previously, we will not return to it.
• the device for processing payment vouchers with registered value can be integrated into a more complex machine, of the cash register type. But, it can also be produced separately, and in particular in the form of a portable box equipped with its own input means (keyboard) and data display (screen).
• the box can optionally communicate by waves with a remote module connected to the network of the installation.
• the invention also provides a method of processing payment vouchers in which the steps described below are provided.
• a payment voucher belonging to a so-called “registered value” group comprising at least bank notes and travel or meal checks is inserted into a processing device 5 of the type described above with reference to the figures. 2 and 3.
• a step b) the acquisition, using the reading means 17 of the device 5, of at least the value entered V on the payment voucher B is being processed.
• the acquisition using the reading means 17 of the device 5, of at least the value entered V on the payment voucher B is being processed.
• the acquisition of several other data contained by the payment order such as for example the serial number n ° S, the issue number n ° E, the date of issue D , etc.
• a central station 2 connected to the transaction station 1 in which the device 5 is located is sent by telematic means at least the stored value V stored (as well as possibly the other acquired data) accompanied by 'an identifier I' of the transaction station, which identifier will allow the station central 2 to determine the number of the confidential account associated with transaction item 1.
• a step d) the transaction itself is carried out, which consists in crediting the amount of the value entered V, addressed by telematic means, the confidential account designated by the identifier I 'of the transaction item.
• This step is carried out by the central station 2 which is networked to the various banks.
• step e we proceed in a step e) to the neutralization of the payment document B which has been placed in the reading means 17 of the device 5 in step a).
• step e) can consist in the "sequestration" of the payment voucher in a secure room 18. But it can also include a sub-step fl) in which a payment voucher is invalidated, ie by a marking (punching or stamping, or others), either by partial or total destruction. Of course, the payment voucher can be neutralized either in the room, whether this is secure or not, or partially in this room.
• step c) Furthermore, between the end of step c) and the start of step d), several sub-steps can be provided, described below so as to authenticate the payment order being processed.
• a comparison is made (preferably the central station 2) between the data received from the transaction station and the data stored in a central memory 4 accessible to the central station 2, in the form of representative bytes each a payment order in circulation.
• Each memorized byte generally includes at least one value and a serial number and / or an issue number and / or an issue date.
• these bytes may be accompanied by information indicating whether the corresponding payment document has been declared theft. The result of this comparison makes it possible to determine whether the payment order being processed is valid or not.
• a message (or signal) representative of the comparison made in sub-step b1 is sent (preferably the central station) to the transition station concerned 1. This sub-step may not be necessary if the comparison made in sub-step (cl) indicates that payment item B is valid.
• a sub-step c3) the acceptance or rejection of the payment voucher B is being processed, depending on the content of the message (or signal) received in sub-step c2).
• step e) in order to neutralize the payment voucher B being processed.
• This neutralization could be of one of the types described above, namely storage of the ticket in a secure room, or partial or total destruction of the ticket with recovery in a room, or even invalidation by marking followed by recovery in a room or rejection of the title.
• a step in which the corresponding byte is deleted from the central memory can be carried out directly after the credit operation of the account, or after the operation of neutralization of the security.
• the station concerned can send a message to the central station to indicate that the title has been neutralized, and therefore can be deleted from main memory.
• the payment title processing device may not include a credit card reading system.
• This device could be integrated into a more complex machine, or else be produced separately, and possibly in the form of a portable box.
• the device may not include a memory intended for the storage of data acquired on payment vouchers with registered value. This option is however preferred since it allows the device to provide its user with a total of the transactions carried out.

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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)

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• 1997
  • 1997-01-21 FR FR9700582A patent/FR2758638B1/fr not_active Expired - Fee Related
• 1998
  • 1998-01-19 EP EP98903091A patent/EP1008115A1/de not_active Withdrawn
  • 1998-01-19 WO PCT/FR1998/000097 patent/WO1998032103A1/fr not_active Application Discontinuation

Non-Patent Citations (1)

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