EP1588334A1 - Realisation de transactions en liquide dans le domaine commercial - Google Patents

Realisation de transactions en liquide dans le domaine commercial

Info

Publication number
EP1588334A1
EP1588334A1 EP03815528A EP03815528A EP1588334A1 EP 1588334 A1 EP1588334 A1 EP 1588334A1 EP 03815528 A EP03815528 A EP 03815528A EP 03815528 A EP03815528 A EP 03815528A EP 1588334 A1 EP1588334 A1 EP 1588334A1
Authority
EP
European Patent Office
Prior art keywords
transaction
data processing
processing device
cash
customer
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Withdrawn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
EP03815528A
Other languages
German (de)
English (en)
Inventor
Leyla Feghhi
Volker Wietschel
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.)
Wincor Nixdorf International GmbH
Original Assignee
Wincor Nixdorf International GmbH
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 Wincor Nixdorf International GmbH filed Critical Wincor Nixdorf International GmbH
Publication of EP1588334A1 publication Critical patent/EP1588334A1/fr
Withdrawn legal-status Critical Current

Links

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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • the invention relates to a system for processing cash transactions within retail companies, retail stores and the like.
  • customer terminals for self-service banking transactions are available in banks or at airports and other locations, which include a PC with at least one interface to a host computer at a bank or at a data center.
  • Terminals for customer information are widely used, for example
  • Account status indicator (Account status indicator, account statement printer), for changing cash and electronic value units (ATM, cash deposit machine) and terminals with which transactions such as transfers, standing orders etc. can be carried out.
  • ATM cash and electronic value units
  • Devices of this type usually contain a PC for processing the data, input devices such as a keyboard, pin pad or touchscreen, output devices such as a monitor or printer and terminal-specific components such as magnetic strip card readers, units for chip card processing and so-called separators for pulling out individual banknotes.
  • input devices such as a keyboard, pin pad or touchscreen
  • output devices such as a monitor or printer
  • terminal-specific components such as magnetic strip card readers, units for chip card processing and so-called separators for pulling out individual banknotes.
  • separators for pulling out individual banknotes.
  • the costs for such automated teller machines are relatively high, since the mechanism for withdrawing the banknotes in particular is very complex.
  • banks are increasingly restricting their branch network due to high cost pressure, with self-service terminals sometimes being installed instead of a branch or the branch being closed entirely. As a result, however, part of the customer proximity is lost.
  • retail companies are currently striving to increase customer loyalty and are looking for new solutions, whereby non-species-related offers such as postal services
  • the object of the invention is to show solutions as to how banking transactions or other transactions can also be integrated into the trading environment.
  • the invention is intended to achieve the object of handling cash payment and deposit processes with comparatively little effort in a retail branch.
  • This task is solved with a customer terminal of the type mentioned at the outset, in that the customer initiates the desired cash transaction at the customer terminal and the deposit or withdrawal takes place at the cash register terminal.
  • This enables the integration of cash transactions into the retail environment, since the actual deposit and withdrawal process at the cash register terminal is carried out by the cashier. Customers do not have to go to the ATM or bank to withdraw money, but can do it while shopping.
  • the invention makes it possible to also carry out other transactions such as For example, to play lottery games at the customer terminal, which are then paid for at the cash register terminal.
  • Figure 1 is a schematic representation of a system according to the invention for processing cash transactions in retail companies.
  • the system shown schematically in FIG. 1 comprises a customer terminal 1, which is preferably set up in the entrance area of a retail branch.
  • This terminal 1 advantageously has an input keyboard 2, preferably in the form of an alphanumeric keyboard, an encrypted PIN keyboard for entering a PIN code, a card reader 3 for magnetic stripe cards and / or chip cards, preferably a display 4, for example in the form of a flat screen for display of customer specific or other information.
  • a printer 5 can be provided with which a receipt or other receipt can be issued. It is also conceivable that Terminal 1 is equipped with further functions such as Internet access.
  • the customer who enters the retail branch can identify himself with his bank card or other identification means such as a customer card at customer terminal 1 and then initiate a bank transaction, such as withdrawing a cash amount of € 200.
  • the customer terminal 1 contains a customer identification device, which can be designed as a chip card and / or magnetic strip card reader.
  • biometric methods such as iris recognition, fingerprints or facial recognition.
  • identification and authentication of the customer by entering a PIN number is advantageously required for security reasons.
  • the input keyboard 2 After the customer has identified himself, he can use the input keyboard 2 to enter the desired payment or deposit amount. It is also possible within the scope of the invention for this input to be made via the display 4 designed as a touch screen.
  • the customer terminal 1 is connected via a data line 6 to a server 7 of a bank or a data center.
  • the customer terminal 1 is connected via a data line 8 to a server 9 in the branch of the retail company.
  • the identity of the customer is established via the data line 6 with the bank. If the customer is known, the customer can initiate the desired transaction. This can be the payment or deposit of funds, but also account balance queries or general information can be called up. These If the payment of a sum of money is concerned, the bank first checks whether the transaction can be carried out, ie whether the account balance allows the transaction.
  • this information is preferably forwarded via data line 6 to the customer terminal 1, from where this information is forwarded to the server 9 of the retail branch, stored there and forwarded to the cash register 11 of the retail company by means of a data line 10 can be.
  • the present transaction is preferably forwarded again to the customer terminal 1 and the transaction is then reconfirmed by the customer terminal 1.
  • the customer desires the payment of an amount of money, then he preferably now receives a receipt created with the printer 5 on which the transaction is clearly noted. However, it is also possible that the transaction is only noted on the credit or customer card or a bank card. If the customer now goes to the checkout 11, he shows the receipt there and the cashier checks by comparison with the information stored in the server 9 whether the desired transaction is present. If this is the case, the cashier pays the money. If the transaction is stored on a card, the card is read at the cash register 11 by means of a card reader 12, the desired transaction is then displayed on a screen 13 of the cash register 11 and compared with the information stored in the server 9. If the comparison result is positive, the checkout staff then pays the desired amount of money from the Cash drawer 14 off.
  • the cashier accepts the amount of money to be deposited.
  • the amount of money to be paid off it is also conceivable for the amount of money to be paid off to be offset against the sum which the customer has to pay for the products which he has bought in the store.
  • the money is either included in the cash stock 14 of the cash register 11 or kept in a separate deposit safe at the cash register 11.
  • the customer receives a confirmation of his transaction in the form of a receipt printout.
  • server 7 of the bank or server 9 of the trading company can be dispensed with.
  • the customer terminal 1 can be equipped with an additional scanner for scanning the lottery ticket.
  • the customer scans the lottery ticket and receives a receipt issued by printer 5.
  • a further development can provide for the numbers to be entered directly on the touchscreen 4 and forgo the usual lottery ticket.
  • the lottery transaction is now sent directly to the server 9 of the retail branch. If the customer presents the receipt at the checkout 11, the checkout staff checks whether such a transaction exists, including for example based on a test number. After the customer has paid the amount for the game, the transaction is forwarded to the lottery company via the server 9.
  • All of these transactions advantageously set a time window on the part of the retail branch, so that the transaction is deleted, for example, after 2 hours if the transaction has not been called up.
  • the invention enables the integration of banking transactions and other transactions in trading companies in that the customer initiates the desired transaction at the customer terminal and the deposit or withdrawal or the payment process takes place at the cash register terminal.

Landscapes

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

Abstract

L'invention concerne l'intégration de transactions bancaires ou autres dans le domaine commercial, notamment la réalisation d'opération de paiement et de versement. Selon l'invention, un client effectue la transaction en liquide souhaitée au niveau d'un terminal client et le versement ou le paiement est réalisé au niveau d'un terminal de caisse. Il est ainsi possible d'intégrer des transactions en liquide dans le domaine commercial, puisque que l'opération proprement dite de versement et de paiement est réalisé par le caissier/la caissière au niveau du terminal de caisse. Les clients n'ont pas besoin de trouver un distributeur automatique de billets ou une banque pour retirer de l'argent, mais peuvent effectuer cette opération pendant leurs achats. L'invention permet en outre d'effectuer d'autres transactions, par exemple des jeux de loterie, au niveau du terminal client, qui sont ensuite réglées au niveau du terminal de caisse.
EP03815528A 2003-01-27 2003-12-20 Realisation de transactions en liquide dans le domaine commercial Withdrawn EP1588334A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE2003103164 DE10303164A1 (de) 2003-01-27 2003-01-27 Abwicklung von Bargeldtransaktionen im Handelsumfeld
DE10303164 2003-01-27
PCT/DE2003/004229 WO2004068427A1 (fr) 2003-01-27 2003-12-20 Realisation de transactions en liquide dans le domaine commercial

Publications (1)

Publication Number Publication Date
EP1588334A1 true EP1588334A1 (fr) 2005-10-26

Family

ID=29285753

Family Applications (1)

Application Number Title Priority Date Filing Date
EP03815528A Withdrawn EP1588334A1 (fr) 2003-01-27 2003-12-20 Realisation de transactions en liquide dans le domaine commercial

Country Status (3)

Country Link
EP (1) EP1588334A1 (fr)
DE (2) DE10303164A1 (fr)
WO (1) WO2004068427A1 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102009010587A1 (de) * 2009-02-25 2010-08-26 Adp Gauselmann Gmbh Vorrichtung zur Erstellung und Ausgabe eines Identifikationsdokuments und Verfahren zur Kontrolle eines Zugangs zu einem nichtöffentlichen Bereich
PT3837623T (pt) 2018-08-15 2022-11-22 Scheld Daniel Processo para o registo e subsequente geração de dados para um utilizador de um terminal self-service

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4608486A (en) * 1983-01-03 1986-08-26 Patrick Berstein Data entry system
US5239165A (en) * 1991-04-11 1993-08-24 Spectra-Physics Scanning Systems, Inc. Bar code lottery ticket handling system
US6267670B1 (en) * 1997-03-21 2001-07-31 Walker Digital, Llc System and method for performing lottery ticket transactions utilizing point-of-sale terminals
DE4439484C2 (de) 1994-10-26 1996-08-29 Krone Ag Datenverarbeitungs-Vorrichtung zur elektronischen Abwicklung von Lotteriespielen
DE19838437C1 (de) * 1998-08-24 2000-05-11 Eberhardt Karl Heinz System zur Abwicklung des Bargeldverkehrs mit Kunden innerhalb von Geldinstituten
DE19831360A1 (de) * 1998-07-13 2000-01-27 Eberhardt Karl Heinz System zur Abwicklung des Bargeldverkehrs mit Kunden innerhalb von Geldinstituten
DE19945834A1 (de) * 1999-09-24 2001-04-12 Wincor Nixdorf Gmbh & Co Kg Terminal für die Bearbeitung von Formularen

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO2004068427A1 *

Also Published As

Publication number Publication date
WO2004068427A8 (fr) 2004-09-30
DE10303164A1 (de) 2004-08-05
DE20303729U1 (de) 2003-10-23
WO2004068427A1 (fr) 2004-08-12

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