JPH03502504A - Repurchasable Coupon Payment Management and Reporting System - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed description of the invention] Redeemable - Pon Payment Management and Reporting System The invention particularly relates to an improved automated teller machine as used today in banking. Redeemable used for (automaLic teller machine) This invention relates to a public and corporate bond coupon payment control and reporting circuit. At present is [ioo, 000,000.000 yen ($4,000,000,000 ゜1　$ = ¥150) The following transactions are automatic deposits between a bank customer and that bank. It is estimated that this will be done via a teller machine. Also, a larger amount can be repurchased. It is estimated that coupons are printed each year and very few of them are actually redeemed. , and also allows you to pay for and purchase such printed coupons at no cost. and that cannot be managed in a flexible manner with current systems. It is estimated that

Automated teller machines vary greatly in specific design, but the most commonly used The common element for all types is the receipt/payment slip (receipt stamp) handed out via the automatic teller machine. involves the use of continuous rolls of sheets). Single receipts can be used, but [I cannot think of the usual line 15. Receipts from automatic FFI teller machines are provided for each transaction. Individually printed and issued to the customer for their records. This form is for automatic deposit It is loaded into the paper holder from one end of the paper path of the teller machine, and then (through) to an external opening where it is received by the customer. The details of the transaction are on this record. The transaction information is summarized and printed on a sheet, typically in a computer record. relayed to the recording device. The length of this receipt is on a continuous roll of receipt paper. against the conveyor by diodes that read clear marks pre-printed at intervals. It is often/determined by the signal being sent.

The automatic teller machine also has means for contacting the customer. In general, automatic deposit The teller machine is equipped with a visual display to provide instructions and information to the customer. Automatic teller machines also allow customers to provide information about each transaction to the bank. It has a keyboard, panel, or set of switches that are operated by hand.

Advertisers often target customer groups, such as those doing banking in a given region. I'm asking you to make it a goal. Banks generally provide a list of customers to predicted advertisers Banks also often choose which branches their customers use most often. Such advertisers cannot effectively target these groups because they cannot determine whether And we must look for other ways to find them efficiently. From past facts, Kuo The success of Pong's sales promotion depends on the total sales before, during and after the promotion. By comparison, it was possible to measure only in vague periods. actually What is the difference between the number of coupons actually distributed and the number of coupons used? Tracking printed coupons that are rejected prior to distribution to customers for any reason. is generally inaccurate because it is impossible. Moreover, it is difficult to manage payments. , and finding coupons that are cumulative because they are used multiple times by the same customer. is unusual.

In addition, banks find ever-increasing costs, but they generally rely on automated deposits to generate income. There is no way to effectively utilize the back side of a receipt from a teller machine. instead of , banks charge automated teller machine users a fee for each transaction. Many automatic tellers A machine is capable of handling transactions for customers of one or more financial institutions through network equipment. The fee charged per transaction is generally determined by the bank that owns the particular automated teller machine. Higher for users who are not customers of the line. Bank customers and bank customers The charges for both customers, although generally small, are usually based on the wire of the check. Some customers avoid this fee, which is significantly higher than the fee charged for dispensing. avoid using automated teller machines and instead write checks or use your own bank account. Process line transaction needs in other ways.

The administrative costs associated with a bank's automated teller machines are increasing significantly by several fft. The increased number significantly increased profitability from automatic teller machines. (or reduce losses), banks can therefore We are looking for ways to increase the use of machines. Fees charged for use of automated teller machines Repurchase options commonly conducted by ready-to-eat restaurants and other businesses The amount is similar to that often found in Nari-Pon promotions.

The most frequent transaction in automated teller machines is the withdrawal of cash from a customer's account. It is believed that this was an outright transaction. For this reason, customers of automated teller machines must Try to have cash on hand when picking up a receipt from the teller machine. In addition, automatic deposit withdrawal Delivery will be after normal business hours, but during the hours when instant food and other businesses are open. Automatic teller machines are commonly used for Designed to limit the number of trades that can be made.

Finally, we present an inexpensive and effective system for distributing single coupons to individual customers. It is difficult to devise a stem. Mailing or advertising in newspapers and magazines Printed materials that are widely distributed, such as those posted on bulletin boards, are used many times and are left in the hands of a small number of customers. This will lead to the expansion and diversity of the intended customer loyalty. Underwriting coupons, which are normally made at promotional losses, without requiring merchants to accept them. request.

1 night in Lambda It is an object of the present invention to provide an inexpensive and flexible system which can be conveniently used in particular in automated teller machines. Providing a payment management and reporting system for redeemable coupons .

Another object of the invention is to provide a pre-printed paper on the opposite side of a continuous roll of report paper in an automated teller machine. For the purpose of reading barcodes printed on automatic teller machines, Renovate automatic teller machines by adding barcodes along the route. There is a thing.

Another object of the present invention is to signal the proper paper length as well as provide additional information to the recording device. Multifunctional barcode scanner with the ability to scan receipt paper length The purpose is to replace the single-function diode used for control.

Another object of the present invention is to print coupon information on the back of the receipt of an automatic teller machine. The automated teller machine can be configured to The aim is to modify automatic teller machines by adding a scanner.

Another object of the present invention is to provide barcode information printed on automatic teller machine receipt paper. Place a wand/barcode scanner in a remote location where the information can be read. The purpose of this project is to improve automatic teller machines by installing a teller machine.

Another object of the present invention is to make receipts issued from automated teller machines more valuable. By making it difficult for them to be stolen and processed indiscriminately, automatic teller machines by reducing ittering. Each time a renovation is made.

Another object of the invention is to provide automatic deposits for the purpose of reducing the net cost to the user. The purpose is to repair the teller machine.

Another object of the invention is to repurchase into the hands of prospective customers who wish to keep cash in hand. Possible - to have Pon in possession.

Another object of the present invention is to manage the number of coupons distributed to individual customers. system.

Another object of the present invention is to purchase automated teller machines that are actually redeemed at a remote location. To provide a means for accurately recording information about returnable coupons.

For the above and other objects and advantages of the present invention, a preferred embodiment of the present invention Please read the following description of the invention, read the claims, and refer to the accompanying drawings. It will become clear by doing so. In drawings, it is stated in the text. Numbered parts of the actual fi embodiment are indicated by like numbered parts.

ku rin Ω plate ball l niho FIG. 1 is a perspective view of a preferred embodiment of the invention, and FIG. 2 is a perspective view of the same preferred embodiment of the invention. FIG. 3 is a schematic diagram of another preferred embodiment of the invention; FIG. 4 is a schematic diagram of another preferred embodiment of the present invention; FIG. 5 is a schematic diagram of another preferred embodiment of the invention; FIG. FIG. 6 is a schematic diagram of another preferred embodiment of the present invention; FIG. 7 is a schematic diagram of another preferred embodiment of the present invention. FIG. 8 is a schematic diagram of another preferred embodiment of the present invention. 9 is a schematic diagram of another preferred embodiment of the invention, and FIG. 10 is a schematic diagram of another preferred embodiment of the invention. Schematic diagram of a preferred embodiment; FIG. 11 is a schematic diagram of another preferred embodiment of the invention; ,and FIG. 12 is a schematic diagram of another preferred embodiment of the present invention.

, new state, tongue day The following description describes preferred embodiments of the invention.

There are other embodiments of the invention, and the scope of the invention is limited by the following description of the preferred embodiments. It will be understood that the description is not intended to be limiting.

According to Figure 1, the desirable and unfavorable aspects of an improved automated teller machine are: A scanner 4 is placed on the back of successive rolls of receipt paper 1 in an automatic teller machine. a sheet of metal having an aperture 6 allowing it to be directed towards and focused on; It has a barcode scanner 4 located below the conveyor 2. automatic withdrawal Continuous rolls of delivery receipt paper 1 contain promotional content such as repurchase coupons. There is also a bar code encoded with information describing where this receipt paper is used. The advertising content is printed along with the code symbol. Management and reporting system Avoid repurchasing pre-printed coupons that were not properly paid through the system For this purpose, a valid bank transaction must be recorded on the reverse side to activate this coupon. A note will be added to the coupon stating that no coupon is available. Barcode scanner 4 is Recording means R1, schematically shown in FIG. or connected to R2, from each barcode to such recording means R1 or R2 Send encoded information.

The barcode scanner 4 also scans a continuous roll of receipt paper 3 in an automated teller machine. To control the length of each individual receipt that is cut by the cutting means from the It can also be connected to Bear 2. This conveyor is used by automatic teller machine users to can be activated on side 5 of the automated teller machine at the end of the transaction, and It can also be stopped by a signal from the barcode scanner 4.

Using improved teller machines, advertisers can target bank customers in a given region. Accuracy of the quantity of redeemable coupons that can be targeted and actually issued The number of coupons actually redeemed against the number of coupons actually issued. allows for later comparison.

Next, according to FIGS. 8 to 12, in a second preferred embodiment of the present invention, , the printer P2 prints on the back of the continuous roll of receipt paper 3 of the automatic teller machine. It is attached in a position that allows for This printer P2 prints barcode symbols and Both alphanumeric and alphanumeric characters can be printed, and the user's communication method UCM can also be It can also respond to commands given by a customer of the mobile teller machine. Customer U The automated teller machine's means of contacting the CM is to One or more groups of coupons that the customer wants printed on the back of the machine receipt. be programmed to provide opportunities and means to choose cormorant. In this way, one merchant can determine which of the discount groups the customer It is possible to compare which motivational means is the most important in making a company feel attractive. Wear.

The information collected provides reliable market research for use in planning future promotions. It will be useful in providing customers with a variety of advertising space in print where cost and space do not allow for This would result in more efficient use of pace.

In the second embodiment of the present invention, each customer wants to Repurchase from various merchants so that you can find at least one coupon It would be possible to offer coupons.

In a third preferred embodiment of the invention, a redeemable coupon of an automated teller machine is provided. For the purpose of recording information from this receipt when a Pong receipt is redeemed, One or more wand barcode scanners S2 are installed at remote locations. Reason Ideally, such a remote scanner S2 would be connected to a modem and a dedicated telephone line. It is communicatively attached to the recording means R1 or R2, such as by a wire. be Alternatively, an independent recording means R3 may be used as a wand barcode located at a remote location. It can also be used with scanner S2. Such independent recording means R3 data from the computer may be retained in a convenient format such as a machine-readable disk. and such data can be conveniently used for data consolidation and reconciliation. It is also possible to manually enter the statement recording device R1 or R2 at intervals. or Also, numerous automated teller machines and remote wand barcode scanners. a fourth recording device in the center for the integration of data from one recording device R3; R4 can also be used.

From the above description, the present invention provides an improved automatic deposit system that satisfies the various aspects stated in the main text. You will find that it provides an opportunity.

However, those skilled in the art will appreciate that the present invention may be implemented in ways other than the preferred embodiments described herein. The invention described herein may be adapted to include other embodiments of the present invention! condition The invention is limited solely by the scope of the following claims. It will be understood that this is limited.

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Claims (1)

[Claims] 1. In the payment management and recording system for redeemable coupons, (a) User contact person for communication between the user of the automatic teller machine and the automatic teller machine; a means for preparing a paper receipt; and a means for preparing a paper receipt; and a means for preparing a paper receipt; and a means for preparing a paper receipt; An automated teller machine comprising means for transporting paper and first means for recording information. machine and (b) to read the information recorded on at least one side of the receipt paper; means for scanning along the transport path of the sheet of paper; (c) means for transmitting information from the scanning means to the first recording means. A repurchasable coupon payment management and recording system characterized by: 2. A repurchase according to claim 1, characterized in that said scanning means is an optical scanner. Coupon payment management and recording 3. The optical scanner 3. The repurchase-enabled coupon payment management system according to claim 2, further comprising: and recording system. 4. The first recording means is also communicatively linked to the user contact means. The repurchasable coupon payment management and recording system of claim 1, characterized in that: Tem. 5. one or more remote locations capable of receiving information from said receipt paper; 2. A repurchasable coupon support according to claim 1, characterized in that said repurchasable coupon support is provided with scanning means for scanning Payment management and recording system. 6. The scanning means located at a remote location is communicatively linked to the first recording means. 6. The repurchasable coupon payment management and and recording system. 7. a second record communicatively linked to said remotely located scanning means; 6. A repurchasable coupon payment pipe according to claim 5, further comprising means. management and record systems. 8. receiving information from one or more of said first and second recording means; and a third recording means capable of editing, comparing, analyzing and adjusting said information. 8. Repurchasable coupon payment management and recording according to claim 7, characterized in that: system. 9. In the payment management and recording system for redeemable coupons, (a) User liaison for communication between the user of the automatic teller machine and the automatic teller machine; a means for preparing a paper receipt; and a means for preparing a paper receipt; and a means for preparing a paper receipt; and a means for preparing a paper receipt; A means for conveying paper, a first means for recording information, and a means for recording information. (b) at least one of said receipt paper; The paper is scanned along the transport path of the receipt paper in order to read the information recorded on one side. means to (c) means for transmitting information from the scanning means to the second recording means. A repurchasable coupon payment management and recording system characterized by: 10. The second recording means is also communicatively linked to the user contact means. 10. The repurchasable coupon payment management and recording system of claim 9, characterized in that: Tem. 11. one or more remote locations capable of receiving information from said receipt paper; 10. A repurchasable coupon according to claim 9, further comprising scanning means located thereon. Bon Payment Management and Recording System. 12. said remotely located scanning means being able to communicate with said second recording means; Repurchasable coupon payment management according to claim 11, characterized in that the repurchasable coupon payment management is linked. and recording systems. 13. a third register communicatively linked to said remotely located scanning means; 12. A repurchasable coupon payment according to claim 11, further comprising recording means. management and recording system. 14. receiving information from one or more of said first, second and third recording means; a fourth recording means capable of editing, comparing, analyzing and adjusting the information; The repurchasable coupon payment management and and recording system. 15. 10. A purchase according to claim 9, characterized in that said scanning means is an optical scanner. Reversible coupon payment management and recording system. 16. Claim characterized in that the optical scanner includes a laser scanner. The repurchasable coupon payment management and recording system of paragraph 15. 17. In the payment management and recording system for redeemable coupons, (a) User contact person for communication between the user of the automatic teller machine and the automatic teller machine; a means for preparing a paper receipt; and a means for preparing a paper receipt; and a means for preparing a paper receipt; and a means for preparing a paper receipt; An automated teller machine comprising means for transporting paper and first means for recording information. machine and (b) printing machine-readable information on at least one side of said receipt paper; and means for printing along the conveyance path of the receipt paper. A repurchasable coupon payment management and recording system. 18. transmitting information related to the printed information to the first recording means; 18. Repurchasable coupon payment according to claim 17, characterized in that it further comprises means. Management and recording systems. 19. The first recording means is also communicatively linked to the user contact means. The repurchasable coupon payment management and recording system according to claim 17, characterized in that: stem. 20. one or more remote locations capable of receiving information from said receipt paper; 18. The repurchasable card of claim 17, further comprising scanning means located at the -bond payment management and recording system. 21. said remotely located scanning means being able to communicate with said first recording means; Repurchasable coupon payment management according to claim 20, characterized in that it is linked. and recording systems. 22. A second recording means is further provided, and information related to the printed information is recorded in the second recording means. 18. The purchasing method according to claim 17, further comprising means for transmitting information to the recording means of claim 2. Reversible coupon payment management and recording system. 23. The second recording means is also communicatively linked to the user contact means. 23. The repurchasable coupon payment management and recording system of claim 22, characterized in that: stem. 24. one or more remote locations capable of receiving information from said receipt paper; 23. The repurchasable card of claim 22, further comprising scanning means located at the -bond payment management and recording system. 25. said remotely located scanning means being able to communicate with said second recording means; 25. Repurchasable coupon payment management according to claim 24, characterized in that it is linked. and recording systems. 26. a third register communicatively linked to said remotely located scanning means; 25. A repurchasable coupon payment according to claim 24, further comprising recording means. management and recording system. 27. receiving information from one or more of said first, second and third recording means; a fourth recording means capable of editing, comparing, analyzing and adjusting the information; 27. The repurchasable coupon payment management system of claim 26, further comprising: and recording systems.