EP2096605A1 - Method and device for depositing and withdrawing money in coins - Google Patents

Abstract

The system i.e. automatic teller machine (10), has a coin depositing device for automatically opening a coin inserting slot to insert and feed coins to a separating-, sorting- and depositing device in a conveyor belt. A checking device checks and evaluates the coins, and the depositing device provides electronic supported credit items of the total deposited amount to a customer. A coin withdrawing device selects the individual coins and automatically opens a coin withdrawing slot (23) for withdrawing the coins. The withdrawing device provides the total deposited amount to the customer. An independent claim is also included for a computer supported data processing program stored in a data carrier for controlling and synchronizing a sequence of a coin depositing and withdrawing process.

Description

The invention relates to a machine in which funds, in particular coins can be paid and also paid out again at the same time. Furthermore, the invention relates to a packaging device for payments to be paid in coins.

ATMs have long been known in the art. However, these serve primarily to pay out sums of money, especially in the form of paper money.

The DE-OS 1 499 529 for example, describes a cash machine, which corresponds to a conventional cash machine. An information carrier is introduced into the ATM and the information thereon is matched with stored information of the bank, whereupon, if necessary, an amount of money is paid out.

There are also systems within banks that minimize cash transactions within the bank or its office. The EP 1 097 437 B1 describes, for example, such a system, the bank employee after checking the customer-specific data and wishes sends the customer to the cash dispenser (ATM), where the customer can withdraw his desired amount of money. The money is issued in paper form.

On the other hand, ATMs are known that can accept cash. However, especially in the case of coinage, the financial institution has a significant problem in coping with the deposited amounts of coins, since the coins produce a considerable weight and insofar as the paid-in coins must be collected permanently via cash transports and deposited in other locations.

There are currently no ways to get coinage, in any desired denomination at an ATM. This would be especially true for retailers desirable, because these are reliant on the stockpiling of change and can currently such, if any, at a cash desk within a financial institution to procure.

Based on this prior art, it is the object of the present invention to provide a system and an ATM that allows the dispensing of coin denominations of any denomination.

This object is achieved by the features of the independent claims.

The invention makes it possible to make coin deposits and / or coin payouts in self-service mode. It is therefore a self-service coin depositors and self-service coin payers The intended operating environment is mainly seen in savings banks and banks. In addition, of course, the function can also take place in the trade or in places that are operated jointly by banks and money providers. The system according to the invention supports the coin deposit and / or payout completely in the self-service environment of the banks and savings banks.

1. a. eine Münzeinzahleinrichtung, umfassend
   • i. Identifizierung des Kunden durch kundenspezifische Autorisierungsmittel. Die Autorisierung erfolgt üblicherweise durch einen Kartenleser für Magnet- und Hybridapplikationen, eine kundenspezifische PIN, andere Autorisierungsmittel wie z.B. Fingerprints oder biometrische Erkennungsmittel sind ebenfalls bevorzugt im Sinne der Erfindung.
   • ii. automatisches Öffnen einer Münzeinwurf- und ausgabeöffnung zum Einwurf der Münzen. Die Münzeinwurf- und ausgabeöffnung öffnet sich, sobald der Kunde sich identifiziert hat. Der Kunde gibt die einzuzahlenden Münzen in die Einwurföffnung.
   • iii. Beförderung der Münzen auf einem Förderband zu einer Vereinzelungs-, Sortier- und Deponiereinrichtung. Die Münzen werden auf einer Fördereinrichtung zu einer Einrichtung transportiert, in der sie vereinzelt werden, sowie sortiert werden (bspw. nach Werten, Sorten, Gewicht, Währung etc.), und letztlich auch entsprechend der Sortierparameter deponiert werden. In einer besonderen Ausführungsform ist es vorgesehen, dass nur soviel Münzen in die Vereinzelungs- und Sortiereinrichtung gelassen werden, wie dort jeweils verarbeiten werden können. Dies verhindert ein "Verstopfen" des Systems und gewährleistet die Funktionsfähigkeit.
   • iv. Überprüfung und Auswertung der Münzen mittels einer Prüfeinrichtung. Die Münzen werden hinsichtlich Ihrer Echtheit und/oder Gültigkeit als zugelassenes Zahlungsmittel überprüft.
   • v. Elektronisch gestützte Gutschrift des eingezahlten Gesamtbetrages zugunsten des Kunden. Nach Abschluss der vorgenannten Prüfkriterien wird dem Kunden der entsprechende Gegenwert der eingezahlten Münzen gutgeschrieben, bspw. auf ein zu benennendes Konto. Eine Auszahlung des Betrages (in evtl. anderer Stückelung) ist ebenfalls möglich, bspw. durch denselben Geldautomaten, in der der Kunde soeben die Münzen geworfen hat.
2. b. eine Münzauszahleinrichtung, umfassend
   • i. Identifizierung des Kunden durch kundenspezifische Autorisierungsmittel. Die Autorisierung erfolgt üblicherweise durch einen Kartenleser für Magnet- und Hybridapplikationen, eine kundenspezifische PIN, andere Autorisierungsmittel wie z.B. Fingerprints oder biometrische Erkennungsmittel sind ebenfalls bevorzugt im Sinne der Erfindung.
   • ii. Auswahl eines individuellen Münz-Geldbetrages. Hierzu gibt der Kunde seine Wünsche an dem dazu bestimmten Tastenfeld ein.
   • iii. automatisches Öffnen einer Münzeinwurf- und ausgabeöffnung zur Entnahme der Münzen. Der Kunde entnimmt die Münzen, ggf. bereits verpackt durch eine im Geldautomaten angeordnete Verpackungseinrichtung.
   • iv. elektronisch gestützte Belastung des ausgezahlten Gesamtbetrages zu Lasten des Kunden. Der den entnommenen Münzen entsprechende gegenwert wird dem Kunden belastet.

The invention therefore relates, on the one hand, to a system for depositing and / or disbursing sums of money, in particular coins, the system being an ATM, comprising the following components,

1. a. a coin counter, comprising
   • i. Identification of the customer by means of customer-specific authorization means. The authorization is usually done by a card reader for magnetic and hybrid applications, a custom PIN, other authorization means such as fingerprints or biometric recognition means are also preferred in the context of the invention.
   • ii. automatic opening of a coin insertion and dispensing opening for throwing in the coins. The coin insertion and dispensing opening opens as soon as the customer has identified himself. The customer places the coins to be deposited in the opening.
   • iii. Carriage of coins on a conveyor belt to a separating, sorting and landfill facility. The coins are transported on a conveyor to a facility in which they are singulated and sorted (for example, by values, varieties, weight, currency, etc.), and ultimately deposited according to the sorting parameters. In a particular embodiment, it is provided that only so many coins are left in the separating and sorting device, as can be processed there in each case. This prevents "clogging" of the system and ensures its functionality.
   • iv. Review and evaluation of the coins by means of a test facility. The coins are checked for authenticity and / or validity as an approved means of payment.
   • v. Electronically supported credit of the total amount paid in favor of the customer. After completion of the above-mentioned test criteria, the customer will be credited with the corresponding equivalent value of the deposited coins, for example on an account to be named. A payment of the amount (in possibly other denominations) is also possible, for example, by the same ATM in which the customer has just thrown the coins.
2. b. a coin payout device comprising
   • i. Identification of the customer by means of customer-specific authorization means. The authorization is usually done by a card reader for magnetic and hybrid applications, a custom PIN, other authorization means such as fingerprints or biometric recognition means are also preferred in the context of the invention.
   • ii. Selection of an individual coin amount. For this purpose, the customer enters his wishes on the designated keypad.
   • iii. automatic opening of a coin insertion and dispensing opening for the removal of the coins. The customer removes the coins, possibly already packed by a arranged in the ATM packaging device.
   • iv. electronically supported debit of the total amount paid to the customer. The countervalue corresponding to the withdrawn coins will be charged to the customer.

The system according to the invention is thus realized in an ATM, comprising at least one coin-counting device, a separating, sorting and depositing device and a coin paying device.

The ATM according to the invention comprises a housing, on which in a particular embodiment, a TFT touch screen or a screen with keyboard and card reader for authorization of the customer is arranged. Furthermore, the system has, inside or outside the housing, a printer for issuing receipt receipts and other information. The system is controlled by a PC housed within the enclosure. This principle also applies to a pure cash dispenser. This in turn also includes at least a TFT touch screen or a screen with keyboard and card reader for the authorization of the customer, further, inside or outside the case, a printer for issuing receipts and other information; the control of the system is also here via a PC, which is housed within the housing, and a corresponding software that controls the payment process and synchronized.

It is therefore also an object of the invention to provide a computer-aided data processing program, which within an ATM (be it a Geldinzahl- and / or Geldauszahlautomat) on the one hand the process of identification and authorization of a customer, the opening of a Münzeinwurf- and-Ausgaböffnung to throw the coins, the transport of the coins on one Conveyor belt to a separating, sorting and depository device, the review and evaluation of the coins by means of a test facility, as well as the credit of the deposited total amount in favor of the customer, and on the other hand - possibly also only as part of a cash dispenser - the selection of an individual coin amount of money automatically controlling and synchronizing the opening and closing of a coin entry and exit port to remove the coins and debiting the total amount paid out to the account of the customer. The packaging of the coins and the corresponding control and synchronization of a corresponding, also subject matter of the invention packaging device can be controlled by the data processing program.

The system according to the invention is thus able to perform two functions, namely the payment of coins and the disbursement of coins, both in self-service mode. Therefore, a system for depositing and / or disbursing amounts of money in coins is preferred, whereby an individual money supply in coins from the ATM is collected, counted, checked and sorted via an ATM after identification of a customer and deposited within the ATM in such a way that From the deposit holdings of all coins received, a customer, after identifying the same, will be paid an individual amount of money in coins by the same ATM.

The coin deposit takes place in the following way:

After inserting the customer card (alternatively a debit card or entering the account number via the touchscreen monitor) opens the shutter (or coin slot) of the system and the customer is asked in dialogue to deposit his coins. The system is capable of processing a coin deposit of 10,000 coins, with the deposit being monitored by software and additionally containing foreign objects, such as coins. As paper money, buttons, etc., are recognized and sorted out. The coins are passed via a guide on a coin conveying system, such as a conveyor belt or gutter, which transports the coins to a separating and sorting device, leaving only as many coins in the separating and sorting device, as they can process each. The separating and sorting separates contiguous coins and sorts the coins based on weight and size. After separation and sorting, the identified coins fall into containers, whereby unrecognized coins are sorted out and returned to the customer via the coin delivery shaft.

The coins are subsequently tested and accumulated by means of a check and counter, for example an alloy sensor, whereby the value of the coins collected is determined. Unrecognized or incorrect coins fall into shafts, from where they fall into the so-called coin hopper and are guided through a coin delivery system in the coin dispensing shaft, where the customer can remove the coins. Recognized coins are collected and deposited within the housing in a Münzdeponieeinrichtung. Here you can store up to 10,000 coins. The Münzdeponiereinrichtung is connected to an overflow, enter the coins when the Münzdeponiereinrichtung has reached its maximum storage amount. The Münzprüfeinrichtung and the separating and sorting device can also be adjusted by software settings and / or exchange of the separating and sorting device so that the detection, safekeeping and issuing foreign coins is possible.

After the counting process, the customer receives a receipt with exact denomination and the total amount of the accepted coins printed or handed out after the counting process, whereby the customer can make a selection following the counting process between automated crediting of the deposited amount to his bank account or one Payment in paper money, possibly with remaining coins for amounts that can not be displayed in paper money. In the latter case, the system issues the customer with a receipt, which allows the customer to withdraw the deposited amount at the cash desk. If the customer is not a bank customer of the institute operating the system according to the invention, he can also use the receipt to have the money credited to another account. In this respect, the use of the system is also possible for non-customers of the operator.

The coin payment is made in the following way:

The coin payment is made after identification of the customer by inserting the customer or debit card in conjunction with a so-called PIN (personal identification Number) via the same machine, ie within the same system. Guided by a corresponding menu, the desired payout with coins in the individual coin types is proposed on the screen, whereby the user can then set the respective individual quantity, in any denomination, even via the dialog box. Then he is asked to enter his PIN as a receipt for payment via the PIN keyboard. This PIN is checked in accordance with the specifications and in the positive case the coins are paid out.

Variants of the booking of the payment can also be realized, e.g. via an entry directly with a cash function (referred to in some countries as "ec-cash") or "direct debit", whereby in the case of "ec-cash" a predefined maximum amount of, for example, 2,000 euros is available to the customer. The desired sum is processed by the system and the coins are conveyed from the coin dispenser via the coin hopper and through a coin delivery system into the coin delivery slot.

Furthermore, the invention provides that only a cash dispenser allows the payment of funds in coins, on such an ATM after identification of a customer an individual amount of money in coins from the ATM from the depot inventory of the coins received a customer after identification of the same is paid by the same ATM, possibly already packed, in particular in bags by means of a packaging device which is part of the cash dispenser. Again, the payout of coins takes place only after identification of the customer by introducing the customer or debit card in conjunction with a so-called. PIN (personal identification number) on the machine. Guided by a corresponding menu, the desired payout with coins in each coin types is proposed on the screen, whereby the user can then set the respective individual quantity, in any denomination, even via the dialog box. Then he is asked to enter his PIN as a receipt for payment via the PIN keyboard. This PIN is checked in accordance with the specifications and in the positive case the coins are paid out.

The invention also provides a packaging device for coins as part of an ATM for the deposit and / or payment of coin sums of money. Furthermore, the packaging device also part an isolated cash dispenser, in particular an ATM for the payment of coins.

1. a. auf einer Rolle eine Plastiktütenfolie (31) zur Separierung einzelner Tüten mit jeweils einer zu einer einen Luftstrom erzeugenden Einrichtung gerichteten Öffnung bevorratet ist, wobei
2. b. die Plastiktüten im Takt eines Münzauszahlvorganges derart abgewickelt werden, dass jeweils eine Tüte vor der einen Luftstrom erzeugenden Einrichtung zum Stehen kommt, wobei mittels des Luftstroms die Tüte geöffnet wird, und
3. c. die Anzahl der gewünschten Münzen, die zuvor gegebenenfalls vereinzelt und sortiert sind, mittels einer Münzeinfüllvorrichtung und ggf. mit Hilfe eines Münzliftes in die Tüte verbracht werden, und
4. d. dass nach der Befüllung der Tüte mit Münzen dieselbe durch eine Verweißeinrichtung verschlossen wird, wobei diese gleichzeitig oder anschließend von der Plastiktütenrolle getrennt wird, und
5. e. wobei die mit Münzen gefüllte Tüte anschließend zur Münzausgabe befördert wird.

A particularly preferred embodiment provides here a packaging device for coins, in particular as part of an ATM for the deposit and / or disbursement of coin funds, wherein

1. a. a plastic bag film (31) is stored on a roll for the separation of individual bags, each with an opening directed towards an air flow generating device, wherein
2. b. the plastic bags are handled in time with a Münzauszahlvorganges such that in each case a bag in front of an air flow generating device comes to a standstill, by means of the air flow, the bag is opened, and
3. c. the number of desired coins, which may have previously been separated and sorted if necessary, be brought into the bag by means of a Münzeinfüllvorrichtung and possibly with the aid of a Münzliftes, and
4. d. that after filling the bag with coins, the same is closed by a splicer, which is simultaneously or subsequently separated from the plastic bag roll, and
5. e. the coin-filled bag is then conveyed to the coin dispenser.

The coins to be paid out can therefore be packed by means of a packaging device, which is arranged inside the ATM, equal to the customer before issuing them. In a preferred embodiment, a large number of interconnected plastic bags, such as polyethylene bags, are provided and stored on a roll. It is a plastic bag film for the separation of individual bags.

This can be an endless material, ie a film material which is subsequently cut off and welded in the desired length, or else prefabricated bags, and also a large number of bags Film material that already has pre-perforated departure and bonding edges. Other embodiments are conceivable insofar as they serve the same purpose.

At least the web of bags is open on one side, so that - after the web is pulled in front of a coin filling device with air flow generating device (a "packing station") - a bag comes to a stop exactly in front of this coin filling device with air flow generating device Air flow open the bag and the number of desired coins are conveyed there by means of a Münzliftes. Upon completion of filling, a jaw is placed in front of the top edge between this and the next bag. During welding, the bag chain is automatically interrupted and the filled bag is separated by means of a separating knife and falls forward over a chute in the output for the customer. Instead of a separating knife and the welding jaws themselves can lead to a separation by welding. So it's a clocked process synchronized with the clock of each payout.

Usually coins are nowadays issued in rolls and handed over to the customer. The invention thus provides an alternative output to this, namely in the output of different amounts of coins in bags. The coins can be sorted by value and / or varieties and issued accordingly packed. However, it is particularly advantageous - in contrast to the known coin paper rolls - the possibility of individual placement of the plastic bags according to the customer's request with different amounts of coins.

The wrapped coins are fed to the customer through an output tray in the front of the system. The customer thus takes his disbursed coins to himself, gets back his debit or customer card and receipt, and thus the complete coin collection is completed. The exact denomination of the withdrawn amount and the total amount will be listed on the receipt.

Upon completion of the transaction, a self-cleaning of the system or ATM will be performed to ensure that no coins remain in the components of the system and hinder the next transaction. The self-cleaning takes place after completion of the processing of the deposited coins. Here, a drip tray of Münzvereinzelers is driven back and forth, so that any remaining debris or debris falls down into a designated bowl.

After self-cleaning, the machine is ready for the next transaction. However, if the coin dispenser and coin overflow are full, the machine will shut down and will not allow any further transactions.

Fig. 1

Seitenansicht von links, teilweiser Längsschnitt des erfindungsgemäßen Geldautomaten;

Fig. 2

Vorderansicht des erfindungsgemäßen Geldautomaten mit Münzeinzahl- und Münzauszahleinrichtung;

Fig. 3

Draufsicht auf den erfindungsgemäßen Geldautomaten mit Münzzähl- und Sortierwerk;

Fig.4

Detaildarstellung der Eingabeeinheit mit Tastenfeld und Bildschirm;

Fig. 5

Seitenansicht von links des erfindungsgemäßen Geldautomaten, Längsschnitt;

Fig. 6

Detaildarstellung der Vereinzelungs- und Sortiereinrichtung;

Fig. 7

Seitenansicht der Verpackungsanlage

Fig. 8

Vorderansicht der Verpackungsanlage

Further advantageous measures are described in the remaining subclaims; the invention will now be described by way of example by way of example; it shows:

Fig. 1

Side view from the left, partial longitudinal section of the ATM according to the invention;

Fig. 2

Front view of the cash machine according to the invention with Münzeinzahl- and Münzauszahleinrichtung;

Fig. 3

Top view of the cash machine according to the invention with Münzzähl- and sorting;

Figure 4

Detail display of the input unit with keypad and screen;

Fig. 5

Side view from the left of the ATM according to the invention, longitudinal section;

Fig. 6

Detailed representation of the separating and sorting device;

Fig. 7

Side view of the packaging system

Fig. 8

Front view of the packaging plant

Fig. 1 shows schematically a longitudinal section of the invention Gelddeinzahl- and -auszahlautomaten 10. The operation of the machine via the 10 keypad 14 and the screen 14 a, wherein the customer by means of a customer card, which is inserted into the card reader for magnetic and hybrid applications 13 identify got to. To simplify the operation is located at the Front side of the machine, a bag rest 26 for the customer, which serves to store items from the customer, for example, a bag.

The coins fed via the coin insertion slot (not shown) enter the coin counting and sorting unit 16 with authentication and checking of the coins. The amount of coins desired by the customer is prepared for dispensing by means of the coin hopper 18, the coins being sorted and conveyed to the coin dispensing slot 23. If the coin deposits are greater than the coin payouts, the coins are stored in the coin overflow 25.

In Fig. 2 schematically the front of the ATM 10 is shown. After identification by means of a card reader for magnetic and hybrid applications 13, the PIN is entered via the keypad for the PIN input 14, wherein the input of the PIN can be verified via the screen 14 a of the customer. The coins are supplied to the system by the customer via the coin receiving compartment 22. The customer receives a receipt for the amount paid in or paid out via the thermal printer for receipt 15, where denomination and total amount are noted on the receipt. If the customer desires the payment of the desired amount in the form of paper money, the customer receives a receipt from the thermal printer 15 which, if appropriate, enables the customer to pay the amount at the cash register of the bank.

In Fig. 3 is shown schematically a plan view of the ATM. The PIN entry is made via the keypad for the PIN input 14 and the customer verifies the input via the screen 14a. In addition, the identification of the customer by means of the card reader for magnetic and hybrid applications 13 takes place. After the customer has fed the coins to the system via the coin insertion chute 22, the coins are transported to the singulating and sorting device via a coin conveying system 19 and, after the test, conveyed to corresponding coin storage means 24. Here you can store up to 10,000 coins per variety. In order to make the operation of the machine more comfortable for the customer, there is a pocket shelf 26 on the front side of the machine.

Fig. 4 shows an enlarged schematic representation of the screen 14a and the keypad for the PIN input 14. The control unit is arranged for better operation at an angle to the housing 10 (see sectional drawing AA in Fig. 4 ).

In Fig. 5 a detailed side view of the ATM 10 is shown. The customer makes the deposit of the coins via the coin entry slot 22 and the coins are conveyed to the coin counting and sorting unit 16 via the coin delivery system 19. Here, an authenticity check of the paid-in coins takes place, in which case falsified coins and unrecognized coins are returned to the customer by the coin-dispenser system through the coin-dispenser 18 via a coin-conveying system and via a coin-conveying lift 21 which transports the coins to an ergonomically manageable height 27 are supplied, where the simple transfer to the customer takes place. Not only falsified or unrecognized coins are delivered to the customer through this system. If the customer requests a payout of coins, the coins in the desired denomination from the Münzdeponiereinrichtung (24, in Fig. 5 not shown), fed via the Münzhopper 18, the Münztransportlift 21 and the Münzlift transfer system 27 to the customer.

Fig. 6 shows a detailed view of the coin counting and sorting unit 16, which sorts the collected coins by size and weight, checks for authenticity and counts. The examination of the coins is done for example by means of an alloy sensor.

Fig. 7 shows a detailed view of the packaging system 29, which packages the coins to be paid in plastic bags. The packaging plant 29 processes (prefabricated) plastic bags 31, which are wound on a roll 30 and stored. In this case, the plastic bag film 31 is biased by pinch rollers 34 which are clamped in a Andruckrollenbefestigungsvorrichtung 35, positioned and conveyed to a Münzeinfüllvorrichtung with air flow generating device 32. The film 31 is guided below the Münzeinfüllvorrichtung between film-welding jaws 33, which serve the closing (welding) and the separation of the bag from the film strip 31.

The air flow generating device itself is in FIG. 7 not shown and is housed inside the Münzeinfüllvorrichtung 32. It can be one Air hose with attached fan act, which is directed to the open side of the bags 31. By an air flow or a corresponding pulse, the bag is opened and can now be filled with coins. A (in Fig. 7 not shown) Münzlift conveys the coins to be paid out by means of Münzeinfüllvorrichtung 32 in the plastic bag. The air flow generating device can also serve as the separation of the coins. Following the filling of a bag with coins, the welding jaws 33 are guided to each other and the filled plastic bag is welded and separated from the not yet filled plastic bag film web 31. It is also provided to assist the separation of the bag by a (not shown) separating knife or perform independently.

Fig. 8 FIG. 11 shows the front view of the packaging line 29. The plastic bag film 31 is conveyed via the pinch rollers 34 to the coin filling device with air flow generating device 32. The pressure rollers 34 are clamped by the Andruckrollenbefestigungsvorrichtung 35. After filling the plastic bags via the coin-filling device with air-flow generating device 32, the opening of the filled plastic bags is welded by means of the film-sealing jaws 33 and separated from the plastic bag film 31. It is also provided to assist the separation of the bag by a (not shown) separating knife or perform independently. The coin-filled plastic bag is conveyed to the coin dispenser where it is received by the customer at an ergonomic height.

LIST OF REFERENCE NUMBERS

10

Money deposit and withdrawal machine

13

Card reader for magnetic and hybrid applications

14

10th keypad for PIN entry

14a

screen

15

Thermal printer for receipt

16

Coin counting and sorting unit with authenticity recognition of the coins and rejection of falsified or unrecognized coins

18

Coin hopper for the issue of coins

19

Coin conveyor belt within the system for merging the coins

21

Coin transport lift for transporting the coins to an ergonomically manageable height for the delivery of the coins

22

coin input tray

23

Coin dispensing slot and extensions for coin packaging

24

Coin payer (various facilities for storing large quantities of coins from 2500 to 10000 coins per variety)

25

Coin overflow for the coin deposit, as far as the deposits are larger than the payouts

26

bag shelf

27

Coin lift handover system

28

empty space

29

packing plant

30

Plastic bag roll

31

Plastic bag film

32

Coin filling device with air flow generating device

33

Foil welding jaw with separating knife and foil welding device

34

pressure rollers

35

Andruckrollenbefestigungsvorrichtung

Claims (16)

System for depositing and / or disbursing funds, in particular coins, the system being an ATM, comprising the following components, a. a coin counter, comprising i. Identification of the customer by customer-specific authorization means, ii. automatic opening of a coin insertion and dispensing opening for insertion (22) of the coins, iii. Carriage of coins on a conveyor belt to a separating, sorting and depositing device, iv. Checking and evaluation of the coins by means of a test device, v. Electronically based credit of the total amount paid in favor of the customer, b. a coin payout device comprising i. Identification of the customer by customer-specific authorization means, ii. Selection of an individual coin amount, iii. automatic opening of a coin insertion and dispensing opening for withdrawing (23) the coins, iv. electronically supported debit of the total amount paid by the customer, System according to claim 1, wherein only as many coins are left in the separating and sorting device, as this can process in each case. System for depositing and / or disbursing amounts of money in coins, in particular according to claim 1 or 2, wherein via an ATM (10) after identification of a customer, an individual amount of money in coins from the ATM (10) collected, counted, checked and sorted and within of the ATM (10) is deposited in such a way that from the deposit of the coins received a customer after identification of the same an individual amount of money in coins is paid by the same ATM. The system of claim 3, wherein the identification of the customer is via a card reader (13) for magnetic and hybrid applications. The system of claim 4, wherein the authorization of the customer is accomplished by entering a PIN of the customer via a TFT touch screen or a screen and keypad (14, 14a). System according to one or more of the preceding claims, wherein by means of a checking and counting device, preferably an alloy sensor, for the determination of value, the supplied coins are checked, accumulated and evaluated. System according to one or more of the preceding claims, wherein by means of a coin lift transfer system (27) comprising at least one coin transport lift (21), the coins are supplied to the customer. System according to one or more of the preceding claims, wherein the coins to be paid out are packaged by means of a packaging device prior to delivery to the customer within the ATM. A system according to claim 8, wherein the coins are presorted by value and / or varieties and are dispensed packaged accordingly. A system according to one or more of the preceding claims, wherein self-cleaning is performed upon completion of each transaction. ATM, in particular as part of a system for depositing and / or disbursing coin amounts according to claims 1 to 11, comprising at least one coin-counting device, a separating, sorting and depositing device and a coin payment device. Packaging device for coins, as part of an ATM for the deposit and / or payment of coin sums of money, in particular according to claims 1 to 10 or 11. Packaging device for coins, in particular according to claim 12, characterized in that a. on a roll (30) a plastic bag film (31) for separating individual bags, each with a directed to an air flow generating device opening is stored, wherein b. the plastic bags (31) are handled in time with a Münzauszahlvorganges such that in each case a bag in front of the air flow generating device comes to a standstill, by means of the air flow, the bag is opened, and c. the number of desired coins are brought into the bag by means of a coin refilling device (32), and d. that after filling the bag with coins, the same is closed by a splicer (33), and at the same time or subsequently separated from the plastic bag roll, and e. the coin-filled bag is then conveyed to the coin dispenser. Packaging device according to claim 13, wherein the coins are optionally separated and sorted beforehand. Packaging device according to at least one of claims 12 to 14, wherein the coins are brought into the bag by means of a coin lift. Computerized data processing program stored on a data carrier for controlling and synchronizing the process of identifying and authorizing a customer, opening a coin insertion and dispensing opening for inserting the coins, conveying the coins on a conveyor belt to a separating, sorting and depositing device, the verification and evaluation of the coins by means of a test facility, as well as the credit of the deposited total amount in favor of the customer, and further the selection of an individual coin amount, the automatic opening of a coin insertion and dispensing opening for the removal of the coins and the burden of the total amount paid the customer within an ATM according to one or more of the preceding claims.

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