EP1096435A2 - Enveloppe utilisée dans un guichet automatique - Google Patents

Enveloppe utilisée dans un guichet automatique Download PDF

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Publication number
EP1096435A2
EP1096435A2 EP20000308506 EP00308506A EP1096435A2 EP 1096435 A2 EP1096435 A2 EP 1096435A2 EP 20000308506 EP20000308506 EP 20000308506 EP 00308506 A EP00308506 A EP 00308506A EP 1096435 A2 EP1096435 A2 EP 1096435A2
Authority
EP
European Patent Office
Prior art keywords
envelope
transaction card
automated teller
teller machine
thickness
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Withdrawn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
EP20000308506
Other languages
German (de)
English (en)
Inventor
Mary Ann Wehr
Thomas J. Stillwagon
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.)
NCR International Inc
Original Assignee
NCR International Inc
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 NCR International Inc filed Critical NCR International Inc
Publication of EP1096435A2 publication Critical patent/EP1096435A2/fr
Withdrawn legal-status Critical Current

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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
    • 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
    • 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

Definitions

  • Discriminators determine if actual currency in the proper amount is withdrawn from the canister for dispensing.
  • Discriminators which detect mis-feeds are well known in the art and include thickness sensors, optical sensors and magnetic sensors as described in U.S. Patent No. 4,696,426, pneumatic detectors as described in U.S. Patent No. 5,725,720 and olfactory sensors as described U.S. Patent No. 5,799,102.
  • Papers have been found which can be dispensed from the reserve cash canisters of ATM's using a vacuum pick-up assembly. These papers also pass the tests by "discriminators" within the automated teller machine by conforming to the properties of the currency dispensed by the ATM. Transaction cards cannot be withdrawn from the reserve cash canisters by most vacuum pick-up assemblies due to their size and density. Even if the equipment could be adjusted to withdraw the transaction cards from the reserve cash canisters, it is unlikely that the transaction cards would pass the tests by "discriminators" within the ATM or transport easily within the currency handling equipment of the ATM.
  • an envelope which serves as a carrier for transaction cards and enables these transaction cards to be 1) withdrawn from a reserve cash canister of an automated teller machine by a vacuum pick-up assembly, 2) transported within the currency handling equipment of an ATM and 3) dispensed to a consumer.
  • a combination of an envelope and transaction card which can be withdrawn from the reserve cash canisters of an automated teller machine and dispensed to a consumer. Combinations which include an ATM are also provided.
  • the envelopes of this invention must be able to be withdrawn from a cash canister of an ATM machine by a vacuum pick-up assembly one-at-a-time when a transaction card is disposed therein and they must also be able to pass the discrimination tests of an ATM machine when a transaction card is disposed therein.
  • various properties such as weight, stiffness, smoothness and porosity are a consideration in attempting to achieve the withdrawal of envelopes one-at-a-time.
  • thickness is a consideration since optical density and an "output voltage" (See U.S. Patent No. 5,853,089) have been used to detect mis-feeds and double-feeds.
  • the envelope carries the transaction card through the ATM machine although the weight, stiffness, porosity and thickness of the transaction cards alone are far removed from that of the currency dispensed by the ATM.
  • the envelope serves to provide a distribution of weight, thickness, and porosity which enable the combination of the transaction card and envelope to be withdrawn from a cash canister of an ATM and dispensed to a customer.
  • the envelope of this invention is adapted to be fed through document handling equipment with an article contained therein.
  • an envelope for a transaction card which enables the transaction card to be withdrawn from a cash canister of an automated teller machine by a vacuum pick-up assembly and dispensed to a customer, said envelope comprising:
  • a transaction card is secured within said envelope in a position such that said transaction card will pass through zones scanned by a discrimination test within an ATM machine, when said envelope is dispensed by said ATM machine.
  • an envelope for a transaction card having a height of about 2 inches and a width of about 3 inches and a thickness less than 10 mils (.01 inches), wherein said envelope enables the transaction card to be withdrawn from a cash canister of an automated teller machine by a vacuum pick-up assembly and dispensed to a customer, said envelope comprising a back, a front and an adhesive or heat seals which bind said back and front together, wherein the back and front each comprise a paper or plastic sheet having a height and width which are equal to the height and width of a United States twenty dollar bill, and wherein said back and front are joined along three edges with at least two edges being joined by said adhesive or heat seal, wherein the paper or plastic sheet has a thickness, porosity and weight such that the envelope, when empty, can be withdrawn from a cash canister of an automated teller machine having a vacuum pick-up assembly and pass a discrimination test within an automated teller machine which determines the average thickness of the disp
  • Envelope 10 of this invention shown unassembled in Figure 1 and assembled in Figures 2-4, comprises front 5 and a back 15, which preferably comprise a paper or plastic sheet. These sheets may have print thereon if desired.
  • a single paper or plastic sheet forms front 5 and back 15.
  • Fold 6 defines the aligned edges of front 5 and back 15.
  • Front 5 and back 15 can comprise separate paper or plastic sheets of different sizes as shown in Figure 3.
  • the cash cassettes of conventional ATM machines typically can accept items of a size ranging from about 2.5 inches to 3.75 inches (65-95 mm) in the short dimension and about 4.75 inches to about 6.75 inches (120-170 mm) in the long dimension. Therefore, back 15 has a height and width within these ranges.
  • back 15 has a height and width which equal the height and width of the currency dispensed by the automated teller machine.
  • the envelope has dimensions equal to the currency dispensed by the automated teller machine, it can be withdrawn and transported in the ATM machine without adjusting the cash cassette components.
  • Front 5 has a height equal to the height of back 15 and a width greater than four inches, up to the width of back 15. Front 5 must be sufficiently wide to be engaged by the pick-up arms of the automated teller machine. The pick-up arms are typically spaced about 4 inches apart in most conventional ATM machines. Therefore, a width in the range of at least 4 inches, up to the width of back 15, is suitable. As with back 15, the height and width of front 5 preferably is the same height and width of the currency to be dispensed by the automated teller machine, as shown in Figures 1 and 2.
  • Figure 3 shows an envelope 10 wherein front 5 is of a width less than the currency dispensed by the automated teller machine.
  • the thickness and weight of front 5 and back 15 fall within prescribed ranges.
  • the thickness values of back 15 and front 5, each independently fall within the range 25% to 150% of the thickness of the currency dispensed by the automated teller machine.
  • the selection of values within these ranges is preferably restricted so that the total thickness of the envelope, including front 5 and back 15 and excluding the transaction card, is less than 10 mils (0.01 inches). This limitation on thickness helps ensure that the assembled envelope, which contains the transaction card, will transport through the automated teller machine.
  • the assembled envelope must also have a porosity which will permit the assembled envelope to be withdrawn from the cash canister via a vacuum pick-up assembly. This can easily be determined by first testing whether the individual sheets used to form the envelope will be withdrawn from the cash canister via a vacuum pick-up assembly. If necessary, an empty envelope can be tested.
  • Envelopes 10 of this invention may also comprise adhesive 50 positioned between front 5 and back 15. Where front 5 and/or back 15 comprise a thermoplastic material, they alternatively can be heat sealed together where adhesive 50 is shown.
  • the adhesive or heat seal must provide sufficient strength to affix front 5 to back 15 and preferably do not significantly add to the thickness and weight of envelope 10.
  • the adhesives are preferably applied as a strip less than 1/3 inches in width to minimize the surface area thickened by the adhesive.
  • the transaction card is preferably secured between front 5 and back 15 so as not to move within the envelope without applying adhesive to the transaction card itself.
  • Front 5 is superimposed on back 15 so that at least one edge of back 15, which is perpendicular to the direction of travel in the automated teller machine, is aligned and joined with an edge of front 5. In the embodiments shown in Figures 1, 2 and 4, this alignment and junction are achieved through fold 6.
  • edge 20 of back 15 is aligned with edge 25 of front 5 and they are bound together by adhesive 50 or they are heat sealed.
  • edges 60 and 70 of front 5 which are generally parallel to the direction of travel of the envelope in the automated teller machine, are adhered to back 15 with adhesive 50.
  • opposing edges 60 and 70 of front 5 are aligned with edges 100 and 110 of back 15, respectively.
  • edges 60 and 70 of front 5 are not aligned with edges 110 and 100 but are centrally positioned on back 15 and adhered thereto.
  • Top edge 80 of front 5 is preferably aligned with edge 81 of back 15 and need not be adhered or heat sealed to back 15 to secure the transaction card.
  • the envelopes 10 shown in Figures 1-4 do not have top edge 80 adhered to back 15; however, top edge 80 may be adhered to the back sheet 15 if desired so as to further secure the transaction card, preferably at points away from the middle of the envelope.
  • the porosity of the envelope must be sufficient to permit the envelope to be withdrawn from the cash canister via a vacuum pick-up assembly.
  • the envelope will dispense from an ATM having a vacuum pick-up assembly when empty and most preferably, the individual sheets forming the back 15 and front 5 will dispense from such an ATM.
  • the transaction card 300 can be any conventional credit card, phone card, debit card, mass transit card, etc. and typically has a height of about 2 inches and a width of about 3 inches.
  • the transaction card should be thin and flexible enough so that it can be fed without breaking. For conventional plastic materials, this means a thickness of less than 10 mils preferably 7 mils or less.
  • the combination of transaction card 300 and envelope 10 provides for positioning of the card in the envelope, preferably in the center of the envelope, and provides for a total thickness of less than 20 mils.
  • An adhesive or heat seal may be used to secure the card away from edges where desired by adhering front 5 to back 15 or by adhering transaction card 300 directly to envelope 10.
  • an adhesive When an adhesive is used to bond the transaction card to the envelope, the adhesive should be kept away from the middle of the envelope where most thickness discriminators scan the dispensed article.
  • Combinations of this invention may also include an ATM machine having a vacuum pick-up apparatus and an envelope positioned in the cash canister having a transaction card disposed therein.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Sheets, Magazines, And Separation Thereof (AREA)
EP20000308506 1999-10-28 2000-09-28 Enveloppe utilisée dans un guichet automatique Withdrawn EP1096435A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US42915899A 1999-10-28 1999-10-28
US429158 1999-10-28

Publications (1)

Publication Number Publication Date
EP1096435A2 true EP1096435A2 (fr) 2001-05-02

Family

ID=23702054

Family Applications (1)

Application Number Title Priority Date Filing Date
EP20000308506 Withdrawn EP1096435A2 (fr) 1999-10-28 2000-09-28 Enveloppe utilisée dans un guichet automatique

Country Status (1)

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EP (1) EP1096435A2 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1419467A1 (fr) * 2001-08-21 2004-05-19 Diebold, Incorporated Systeme de verification de depot dans un guichet automatique bancaire et procede correspondant
US7334719B1 (en) 2004-03-03 2008-02-26 Fisher David L Banking envelope and method of use

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3598397A (en) 1968-06-13 1971-08-10 Bobst Fils Sa J Sheet feeder
US4285443A (en) 1978-03-31 1981-08-25 Winans Eugene P Card dispensing module
US4540106A (en) 1982-05-06 1985-09-10 Toshiba Corporation Bag processing unit of an automatic transaction machine
US4884212A (en) 1987-03-23 1989-11-28 Vertx Corporation Apparatus and method for using unique charge cards dispensed from a vending machine
US5238143A (en) 1992-08-03 1993-08-24 Ncr Corporation Apparatus for dispensing flat articles
US5301834A (en) 1993-01-21 1994-04-12 The Lift Ticket Card vending machine
US5550533A (en) 1992-12-30 1996-08-27 Intel Corporation High bandwidth self-timed data clocking scheme for memory bus implementation
US5590609A (en) 1994-09-30 1997-01-07 Interbold Envelope dispenser door mechanism for automated teller machine

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3598397A (en) 1968-06-13 1971-08-10 Bobst Fils Sa J Sheet feeder
US4285443A (en) 1978-03-31 1981-08-25 Winans Eugene P Card dispensing module
US4540106A (en) 1982-05-06 1985-09-10 Toshiba Corporation Bag processing unit of an automatic transaction machine
US4884212A (en) 1987-03-23 1989-11-28 Vertx Corporation Apparatus and method for using unique charge cards dispensed from a vending machine
US5238143A (en) 1992-08-03 1993-08-24 Ncr Corporation Apparatus for dispensing flat articles
US5550533A (en) 1992-12-30 1996-08-27 Intel Corporation High bandwidth self-timed data clocking scheme for memory bus implementation
US5301834A (en) 1993-01-21 1994-04-12 The Lift Ticket Card vending machine
US5590609A (en) 1994-09-30 1997-01-07 Interbold Envelope dispenser door mechanism for automated teller machine

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1419467A1 (fr) * 2001-08-21 2004-05-19 Diebold, Incorporated Systeme de verification de depot dans un guichet automatique bancaire et procede correspondant
EP1419467A4 (fr) * 2001-08-21 2010-03-17 Diebold Inc Systeme de verification de depot dans un guichet automatique bancaire et procede correspondant
US7334719B1 (en) 2004-03-03 2008-02-26 Fisher David L Banking envelope and method of use

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