KR20000072448A - a coinage & a small sum of bill receipts system throught a public save kit - Google Patents

Abstract

PURPOSE: A system for depositing coins and small bills through public deposit box is provided to activate the circulation of coins and small bills, minimize the small bills issuance cost, and simplify the small bills depositing process by enabling the users to conveniently deposit coins and small bills in the commercial areas and on the street. CONSTITUTION: A system for depositing coins and small bills through public deposit box is composed of deposit, confirmation, and completion. A user initializes the CPU by operating the deposit key(1) and inputs one's personal identification number through the keypad(2). The coins and small bills are deposited through the coin insert department and the bills deposit/return department, the deposited currency is counted, and the authenticity of the currency is determined(3). The depositor's personal identification number and the deposit amount is displayed on the LCD and the deposit confirmation is made by using the confirmation key(4). Upon confirmation, the deposit is processed(5) and stored in the data storage(6). After a specified time has elapsed, the appropriate financial institution makes the deposit in the appropriate account that is linked to the personal identification number(8).

Description

{A coinage & a small sum of bill receipts system throught a public save kit}

The present invention relates to a system for depositing coins and small bills by public savings banks.

This is a system that allows users to save coins and bills that are inevitable in various transactions, not credit cards or electronic money, through banks provided at the place of business or in the street. Not only does it need to be carried around, but it also relates to a piggy bank that reduces the loss of the budget associated with recurring money by actively circulating cash and makes it easy for the public of many traders to save money.

Until now, the change that was inevitably generated after the commerce was stored in a purse or a pocket, and the above change was stored in a piggy bank provided at home.

Alternatively, a conventional cash automatic teller machine could deposit bills (except coins and small currency bills) or checks without using a bank teller. This means that the financial transaction client should always have a bank account or various credit and debit cards. Or memorized or memorized the bank account to be transferred or deposited.

In the case of depositing a bank account using the ATM as described above, if the magnetic transaction surface of the bank account holder and various cards is brought into contact with the magnetic head of the ATM, the record is recorded on the magnetic record surface of the bank account, credit card or cash card. The data on the identification number is read through the ATM and sent to the mainframe of the financial institution. The data on the bank account, credit card or cash card corresponding to the identification number data is transferred from the financial institution data storage. Load into main memory of.

Then, when the financial transaction client operates the keypad of the ATM, the bank enters a password and transmits a key signal instructing the deposit, the banknote counter operates and deposits the banknote into the banknote counter.

The banknotes deposited in this way are counted and counted in counterfeit counts, and then the bills are checked only for the counted bills.

When the financial transaction client operates the confirmation key, the money is deposited in a bank account corresponding to the identification number data on the magnetic recording surface.

On the other hand, when the withdrawal amount is input by operating the keypad of the ATM, the key signal for the input password and the cash withdrawal amount is transmitted from the ATM to the mainframe, and whether or not the password is matched by the mainframe determines the password. If the financial transaction client's credit status or cash holding status is checked, it is possible to check cash withdrawal.

After the cash withdrawal is confirmed, if cash withdrawal is possible, a control signal for withdrawing cash from the mainframe is transmitted to the cash dispenser, and the cash is withdrawn from the cash dispenser by the control signal from the mainframe. do.

In the case of using the automatic teller machine as described above, the bank account number and personal card identification number entered on the magnetic record page of the bankbook and various cards must be read at the ATM, and only the banknote or check must be deposited or withdrawn online at the bank. The process was also complicated and cumbersome.

In addition, there is no function of depositing coins or small bills into a bank account using the ATM.

Therefore, in order to deposit coins or small bills frequently occurring or often used in various commerce, there was an inconvenience of having to go directly to the bank and deposit money.

Due to such inconvenience, each individual has stored coins or small bills arising in various commerce in a money box provided in each family and then deposits them in a bank when a certain amount is exceeded.

Due to the inconvenience of having to deposit and deposit coins and small bills directly into the bank as described above, each individual saves or holds coins and small sums in the piggy bank, which causes the issuing bank to hold more than the amount of coins or small bills required for actual commerce. There is a problem that the amount of coins that are put in the personal money box is more than the amount of coins that are used and distributed in the actual transaction.

Due to these problems, the turnover rate of coins decreases, and the cost of coin issuance increases due to additional issuance.In particular, when the cost of coin is a small coin that exceeds the face value of the coin, only the ticketing cost of the coin increases. Due to being stored in the piggy bank of the company is often a lot of dead, there was a problem that does not increase the amount of coins circulated in the actual transaction.

Therefore, by allowing coins and small bills to be deposited in bank accounts from time to time, the amount of coins kept for a long time in a piggy bank can be reduced, and coins and small bills can be easily purchased without going directly to the bank when each individual is needed. There is an urgent need to develop a coin and micropayment deposit machine that allows deposits.

In view of the above, in the present invention, it is possible to easily store small bill coins or bills at the place of business or in the street, and by devising an public savings box that can be shared and used by a large number of traders, the circulation of small bills is actively promoted. It aims to minimize the loss of ticketing costs and to maximize the economic benefits of individuals and even society and the country by making it easy to save even a small amount of money.

1 is a system block diagram of the present invention;

2 is a flow chart of the present invention.

※ Explanation of code for main part of drawing

1: Initialization 2: Entering Personal Identification Number

3: Low deposit and count 4: Confirmation of deposit

5: Deposit amount storage 6: Deposit amount return

7: Deposit History 8: Savings Completed

100: keypad 100a: wage key

100b: OK key 100c: Cancel key

200: magnetic record and barcode reading unit

300: coin input part 300a: paper money input and return part

300b: Coin and Banknote Coefficient and Recognition Department

400: LCD screen display 500: Central processing unit

600: data storage unit 700: coins and bank notes storage unit

800: coin return hole

With the configuration according to the present invention for achieving the technical problems of the present invention for achieving the configuration and the above, first look at the configuration of the air storage, magnetic recording and barcode reading unit 200, coin input unit (300), banknote receipt and return portion (300a), coin and banknote counting and recognition portion (300b), liquid crystal display unit 400 for displaying the identification number and deposit amount of the depositor, deposit key (100a) by mail, confirmation Key pad 100, a key having a cancellation key (100c), the keypad unit 100 for inputting and operating the personal identification number associated with the depositor's deposit account and the central processing for recognizing and controlling the personal identification number and the deposit amount Apparatus 500, data storage unit 600 and coin return port 800 and coin and bill storage unit 700 for storing the personal identification number (for example, telephone number) data of the depositor of coins and bills It is equipped with).

As a function of the above-described public savings bank, the coin and bill counting / recognition unit 300b not only counts coins and bills, but also determines the authenticity of money.

The keypad unit 100 not only inputs a personal identification number appropriate to each individual, but also a keypad unit including a confirmation key 100b and a cancel key 100c for performing and confirming a command related to the deposit key 100a ( 200).

Magnetic record reading and barcode reading unit 200 to recognize the personal identification number of the magnetic card and barcode card issued to the applicant at the time of deposit account application without performing the input process of the personal identification number through the keypad unit 100 (200) ).

Approved by the confirmation key (100b) after the deposit through the coin input unit 300 or the banknote payment unit (300a), and the deposit details are instructed to store in the data storage unit 600 and the The central processing unit 500 stores the deposit details specifying the depositor's personal identification number and the deposit amount, and the data storage unit 600 for easily depositing and storing the stored deposit details in a new design account of the corresponding financial institution is as follows. Three forms are possible.

First, in order to lower the production cost of the public savings container, the data storage unit 600 is replaced with a document output unit in which deposit details are written. The document is embedded in the coin and bank note storage unit and is subsequently transferred to the financial institution. A method of manually inputting a deposit history at a terminal of a financial institution window based on the output and stored document at a financial institution window.

Secondly, the data storage unit 600 itself is configured to be detachable, transfers the detached data storage unit 600 to the financial institution, and automatically inputs from the financial institution terminal.

Thirdly, the deposit details are automatically deposited online to the financial institution data storage through wired or wireless.

It is characterized by consisting of a data storage unit 600, and a removable coin and bill storage unit 700.

Referring to the operation of the coin and the micro-banknote saving system using the air storage configured as described above according to the flow chart of the present invention shown in Figure 2, the depositor operates the deposit key (100a) to save the bill and coins central processing Initializing the device 500 (1), the step of inputting the personal identification number of the depositor through the keypad unit (2), coin input unit 300 and the banknote deposit and return portion 300a of the public money storage After depositing a small amount of money, the number of coins and bills are counted in the coin and bill counting / recognition unit 300b, and the low amount deposit and counting step (3) of determining the authenticity of money is carried out through the liquid crystal display 400. After the depositor's personal identification number and the deposit amount are displayed, a confirmation step (4) by the confirmation key (100b) and a confirmation key (100b) are operated to confirm whether the deposit is to be performed according to the displayed deposit details. And can be deposited in the bill storage unit 700 (5) and storing it in the data storage unit 600 (7), after a certain time after saving the coin and banknote storage unit 700 and the data storage unit 600 and transfers from the public reservoir It is composed of the step (8) to complete the savings in the account associated with the personal identification number through the terminal at the financial institution window.

In order to save coins and banknotes through public banks by the 'coin saving system for coins and small bills by the public banks' implemented by the present invention, first, a savings account may be applied to a financial account, for example, a free-saving deposit in a financial institution. The company must first go directly to the financial institution, fill out the necessary forms for the establishment of a financial account, and submit it to the counter terminal writer.

The financial institution's mainframe switches to the input standby mode for receiving data by inputting software at the financial institution's counter to run the software for filling in the inputs required to open an account of the financial instrument through the terminal.

Here, the inputter of the financial institution window inputs the details of the applicant of the financial transaction on the form through the keyboard of the terminal.

Data of the financial transaction applicant's personal information, etc. input through the keyboard of the terminal is transmitted to the corresponding financial institution mainframe through a communication network through an interface unit, and is stored in the data storage unit by the mainframe and at the same time. The account of the financial instrument of the applicant for the opening of the financial account is created according to the data stored in the.

At this time, if the terminal inputter of the relevant financial institution window matches the account number of the newly established financial product with the personal identification number desired by the applicant for the financial account, and transmits the terminal and interface to the mainframe through the communication network, Since both the financial account number and the personal identification number data are stored together in the data storage unit, even if the window inputter enters the personal identification number of the account opener through the terminal after confirming that the saving is completed, the financial transaction applicant according to the data stored in the data storage unit New accounts are tracked.

As described above, if the personal identification number and the newly established financial account number match, the applicant for opening a financial account, that is, the savings hoper, even if only the personal identification number is inputted through the public savings bank provided at the place of commerce (2) ) Can be deposited in the new design account of the financial institution, which is later stored in the data storage unit 600 of the public savings bank as a mainframe through the terminal at the financial institution counter. Even if only the personal identification number data (2) is entered, the deposit amount (5) can be deposited into a new account stored in the data storage of the financial institution.

In addition, when a financial account is newly established by the financial institution, a financial card applicant issues a magnetic card or a barcode card with a personal identification number recorded thereon. Even if the process of inputting the personal identification number (2) is omitted, the personal identification number (2) can be input through the magnetic record and barcode reading unit (200) embedded in the public bank.

After establishing a financial account as described above, with reference to Figures 1 and 2 as an example of the operation of the system for saving coins and bills through the public savings bin implemented by the present invention.

First, when power is applied from the outside, the central processing unit 500 of the air storage container is initialized (1).

After the central processing unit 500 is initialized (1), when the savings requester manipulates the deposit key 100a to store the bills and coins at the commerce place, the central processing unit 500 of the public savings bank is in the state of waiting for the deposit. Initialization (1) and the LCD screen 400 to display a message instructing to input the personal identification number (2).

At this time, the depositor is his or her personal identification number, ie, a virtual personal number matched with the depositor's financial account number, which is given when the financial account is first opened as indicated on the LCD screen 500. Preferably, each individual's telephone number is used. Input (2) through the keypad unit (100).

If the depositor first received a magnetic card or a card with a barcode recorded when applying for opening a financial account of the financial institution, the process of inputting a personal identification number through the keypad 100 is omitted and the card is omitted. The personal identification number is inputted through the magnetic recording and barcode reading unit 200 (2).

When the personal identification number is input (2) as described above, the coin input unit 300 and the banknote payment return unit 300a of the public savings bank are in a standby state to receive coins and banknotes, and the savings hoper is the coin input unit of the public savings bank. (3) and the coins and banknotes to be stored in the banknote receipt return unit (300a) (3).

The next step is to determine the authenticity of the money while counting coins and bills in the coin and bill counting and counting recognition unit (300b), if the counterfeit is returned through the return unit (300a) (6) and the remaining amount The low amount of money is displayed (4) on the liquid crystal display screen (400).

After the depositor determines whether the personal identification number and the deposit amount are accurately displayed (4) through the LCD screen 400, it is determined whether to deposit (YES) according to the displayed deposit details, confirmation key (100b) and cancellation. Instruction is instructed via the key 100c.

When the confirmation key 100b is operated (4; YES), the coins and bills are stored in the coins and the bill storage unit 700 based on the control signal (5) and the stored amount and the personal identification number data are stored in the data storage unit 600. In the meanwhile, the storage 7 is stored (7), and the deposit history is stored and completed (8) on the liquid crystal display (400).

On the other hand, if the cancel key 100c is operated (4; NO), it is returned (6) through the banknote deposit / return unit 300a based on this control signal and indicates that the saving is canceled on the LCD screen 400. And exit (8).

As described above, a number of savings hopes are saved, and when the deposit amount is stored in the coin / bank storage unit 700 to some extent, the coin / bank storage unit 700 and the data storage unit 600 are transferred. In the window of the relevant financial institution, the amount saved in the account associated with the individual identification number will be deposited through the terminal.

The deposit system of coins and small bills according to the present invention constituted as described above solves the inconvenience of having to carry heavy coins and small bills in wallets or pockets, which are indispensable in commerce. Not only do you save coins or bills in the money box, you can easily save money through the public money box at the place of commerce, but also eliminate the inconvenience of having to go directly to a financial institution and deposit coins or money in the account. It is effective in preventing the enormous budget loss caused by the issue of money by smoothing the circulation of money.

Claims (4)

Magnetic recording and barcode reading unit 200, coin input unit 300, banknote receipt and return portion (300a), coin and banknote counting and recognition portion (300b), LCD screen displaying the identification number and deposit amount of the depositor ( 400, and a keypad 100 for inputting and operating a personal identification number associated with a depositor's deposit account having a deposit key 100a, a confirmation key 100b, and a cancel key 100c by mail. A central processing unit 500 for recognizing and controlling the personal identification number and the deposit amount, the personal identification number data of the depositor of coins and bills, the data storage unit 600 for storing the deposit amount and the coin returning port 800 and coins And banknote storage unit 700, the deposit system of coins and small bills by the public banks, characterized in that provided. The method of claim 1, wherein the data storage unit 600 is available in three forms. In order to lower the production cost of the public savings container, the data storage unit 600 is replaced with a document output unit in which deposit details are written. The document is embedded in the coin and bank note storage unit and is subsequently transferred to the financial institution. The deposit system of coins and micropayments by the public banks, characterized in that configured by the financial institution window inputter manually inputs the deposit details in the terminal based on the output, stored in the document. The method of claim 1, wherein the data storage unit 600 is configured to be detachable itself, and transfers the detached data storage unit 600 to the financial institution is configured in such a way that automatically input from the terminal of the financial institution. Deposit system of coins and small bills by public savings, characterized in that. The system of claim 1, wherein the deposit details of the data storage unit 600 are configured to automatically deposit online to the financial institution data storage unit via wired or wireless communication. .