NO812307L - DEVICE FOR INFORMATION ON PAYMENT AND PAYMENT OF BANK INSTRUCTIONS. - Google Patents
DEVICE FOR INFORMATION ON PAYMENT AND PAYMENT OF BANK INSTRUCTIONS.Info
- Publication number
- NO812307L NO812307L NO812307A NO812307A NO812307L NO 812307 L NO812307 L NO 812307L NO 812307 A NO812307 A NO 812307A NO 812307 A NO812307 A NO 812307A NO 812307 L NO812307 L NO 812307L
- Authority
- NO
- Norway
- Prior art keywords
- sheet
- check
- bia
- microprocessor
- ensures
- Prior art date
Links
- 238000007639 printing Methods 0.000 claims description 15
- 230000007246 mechanism Effects 0.000 claims description 13
- 238000000034 method Methods 0.000 claims description 6
- 238000012546 transfer Methods 0.000 claims description 4
- 239000000463 material Substances 0.000 claims description 3
- 230000000903 blocking effect Effects 0.000 claims description 2
- 238000013461 design Methods 0.000 claims description 2
- 238000012545 processing Methods 0.000 claims description 2
- 230000005693 optoelectronics Effects 0.000 claims 2
- 230000001681 protective effect Effects 0.000 claims 2
- 229910000838 Al alloy Inorganic materials 0.000 claims 1
- 229910000842 Zamak Inorganic materials 0.000 claims 1
- 238000004364 calculation method Methods 0.000 claims 1
- 238000004049 embossing Methods 0.000 claims 1
- 238000003780 insertion Methods 0.000 claims 1
- 230000037431 insertion Effects 0.000 claims 1
- 239000002991 molded plastic Substances 0.000 claims 1
- 238000007645 offset printing Methods 0.000 claims 1
- 230000003068 static effect Effects 0.000 claims 1
- 239000000446 fuel Substances 0.000 description 1
- 238000005259 measurement Methods 0.000 description 1
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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/12—Card verification
- G07F7/125—Offline card verification
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Traffic Control Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
Den foreliggende oppfinnelse vedrører en fullstendig auto-matisering av innbetaling og forhåndskontroll av forretnings-transaksjoner som er foretatt mellom enkeltpersoner og detal-jister, kredittinstitusjoner, serviceinstitusjoner, m.m.. basert på banksjekker eller bank-kredittkort. The present invention relates to a complete automation of payment and advance control of business transactions that are made between individuals and retailers, credit institutions, service institutions, etc. based on bank checks or bank credit cards.
De apparater som hittil finnes på markedet består av kassaregistreringsapparater som (i sin mest avanserte utforming) omfatter en leseanordning for enkle kredittkort henholdsvis sjekkleseapparater som oftest blir brukt etter at det er foretatt en forhåndsstedmåling av sjekken. The devices currently available on the market consist of cash register devices which (in their most advanced design) include a reading device for simple credit cards or check reading devices which are most often used after a preliminary location measurement of the check has been carried out.
Faktisk eksisterer det hittil ikke apparater som på fullstendig og nøyaktig måte automatisk kan sikre en forretnings-transaksjon basert på en sjekk eller et kredittkort. In fact, to date there are no devices that can completely and accurately automatically secure a business transaction based on a check or a credit card.
Det finnes ingen beskyttelse mot svikaktig bruk eller mot forfalskning av sjekker. There is no protection against fraudulent use or against the forgery of checks.
Foreliggende oppfinnelse gir en samlet løsning av forskjellige alvorlige problemer, samtidig som det i betydelig grad for-bedres kvaliteten på og hurtigheten hvormed man kan utføre slike tjenester. The present invention provides an overall solution to various serious problems, while at the same time significantly improving the quality and speed with which such services can be performed.
Kort sagt oppnår man ifølge oppfinnelsen konkrete, mål-bare resultater, så vel med hensyn til sikkerhet i forbindelse med forhåndskontroll av transaksjoner•og i forbindelse med gjen-nomføringen av transaksjonene, som med hensyn til forenkling av de forskjellige operasjoner samt forenkling av de håndteringer som etterfølger en sjekktransaksjon samt med hensyn til økono-miske forhold (reduserte administrasjonsomkostninger i forbindelse med innbetaling, tilbakeføring og forhåndskontroll av transaksjoner). In short, according to the invention, concrete, measurable results are achieved, both with regard to security in connection with the prior control of transactions and in connection with the implementation of the transactions, as well as with regard to the simplification of the various operations as well as the simplification of the handling which follows a check transaction as well as with regard to economic conditions (reduced administration costs in connection with payment, reversal and advance control of transactions).
Systemet ifølge oppfinnelsen omfatter følgende anordninger: a) En elektronisk programmerbar anordning 1 som sørger for forhåndskontroll av BIA (bank-identitetsanvisning) som sammenholdt med PIN (personlig identifikasjonsnummer, analogt med kredittkort) som fremvises av ihendehaveren selv, avslører hvorvidt sjekkihendehaveren kan antas å være den riktige. The system according to the invention includes the following devices: a) An electronic programmable device 1 which provides for preliminary control of the BIA (bank identity instruction) which, together with the PIN (personal identification number, analogous to a credit card) presented by the holder himself, reveals whether the holder of the check can be assumed to be the right one.
I tilfelle det foreligger uoverensstemmelse etter et tredje forsøk, kan sjekken refunderes til sjekkihendehaveren eller den kan refunderes som ubrukelig (sperring av sjekkens beløpsrubrikker). In the event of a discrepancy after a third attempt, the check can be refunded to the check bearer or it can be refunded as unusable (blocking of the check's amount headings).
Transaksjonen blir i begge de nevnte tilfeller annulert. The transaction will be canceled in both of the aforementioned cases.
Den elektronisk programmerbare anordning 1 kan videre sørge for automatisk trykking av betalingsdokumentet med innbetaling og automatisk trykking av navnet på fordringshaveren samt utstedelsesstedet. b) En elektromekanisk anordning 2 for innstilling av apparatet for den aktuelle person for automatisk trykking av navnet The electronically programmable device 1 can also ensure automatic printing of the payment document with payment and automatic printing of the name of the claimant and the place of issue. b) An electromechanical device 2 for setting the device for the relevant person for automatic printing of the name
på fordringshaveren.og sjekkens utstedelsessted.on the claimant.and the place of issue of the cheque.
Anordningen 2 er mekanisk, beskyttet av et deksel med lås 3. Låsen, kan være av typen sikkerhetslås, "bramah"-lås (serrure å pompe). eller kombinasjonslås. The device 2 is mechanical, protected by a cover with a lock 3. The lock can be of the type of safety lock, "bramah" lock (serrure to pump). or combination lock.
<g>). En mekanisme for spesiell betrykking,. hvor det brukes uutslettbart trykksværte og hvor påføringen av .trykksværten kan <g>). A mechanism for special printing,. where indelible printing ink is used and where the application of the .printing ink can
foretas ved båndbetrykking (mekanisme med nåler, kuler, hjul eller sektorer) eller ved overføring 5 (of f sett) . Det har også vært forsøkt et annet system med elektronisk;.betrykking 6, basert på laser-prinsippet. carried out by belt printing (mechanism with needles, balls, wheels or sectors) or by transfer 5 (of f set) . Another system with electronic printing 6, based on the laser principle, has also been tried.
d) . En elektronisk programmerbar anordning 7 som gjør det mulig å forhåndskontrollere BIA og avklare hvorvidt det foreligger korrekt innehaver av. kredittkortet. I tilfelle uoverensstemmelse etter tredje forsøk eller som følge av manglende dekning, kan kortet. *bli avvist i den. foreliggende tilstand til ihendehaveren eller gjort uegnet til videre bruk. Kortet kan deretter bli gjenutstedt av utstederbanken. e) En elektronisk programmerbar anordning 8 for over-føring av BIA i tilknytning til trans.aksjonsbeløpet.. f) _ En elektronisk programmerbar anordning 9 for interne og eksterne fonds for BIA i tilknytning til de transaksjoner d) . An electronic programmable device 7 which makes it possible to pre-check the BIA and clarify whether there is a correct holder of. the credit card. In the event of a discrepancy after the third attempt or as a result of a lack of coverage, the card can. *be rejected in it. present condition to the holder or made unsuitable for further use. The card can then be reissued by the issuing bank. e) An electronic programmable device 8 for the transfer of BIA in connection with the transaction amount.. f) _ An electronic programmable device 9 for internal and external funds for BIA in connection with the transactions
som tillater en avvikende overføring.which allows a deviant transfer.
g) . En elektronisk og elektromekanisk anordning 10 som sikrer magnetisk ettermerking av sjekken samtidig som andre g). An electronic and electromechanical device 10 which ensures magnetic marking of the check at the same time as others
rubrikker blir betrykket.rubrics are emphasized.
Sistnevnte anordning vil, samtidig som den gir en ekstra beskyttelse mot forfalskninger, forenkle og rasjonalisere det aktuelle behandlingsforløp for sjekken forut for innkasseringen.. Oppfinnelsen kan anvendes til bruk i atskiltliggende lokale eller i lokale tilknyttet et offentlig eller privat telefonnett eller eksisterende typer av tilsluttede apparater, såsom kassaregistreringsapparater, "salgssteds"-terminaler og forskjellige andre terminaler. The latter device will, at the same time as providing additional protection against forgeries, simplify and rationalize the relevant processing procedure for the check prior to cashing. The invention can be used for use in separate rooms or in rooms connected to a public or private telephone network or existing types of connected devices , such as cash registers, "point of sale" terminals and various other terminals.
"Typen" av klienter som kan benytte anordningen ifølge oppfinnelsen kan f.eks. være: a) detaljhandel: uavhengig virksomhet eller virksomhet tilknyttet et lokalt, regionalt eller nasjonalt nettverk, The "type" of clients who can use the device according to the invention can e.g. be: a) retail: independent business or business linked to a local, regional or national network,
b). kredittinstitusjoner og forretningskjeder: utstyrtb). credit institutions and business chains: equipped
med eksisterende kassaregisterapparater,with existing cash register devices,
c\ service-foretakender: automatisk distribuering av transportabelt medium, hotelldrift, restaurantdrift, distribuering av brennstoff, utleie av materiell, kjøretøyer m.m. c\ service companies: automatic distribution of transportable media, hotel operation, restaurant operation, distribution of fuel, rental of material, vehicles, etc.
Claims (10)
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR7927673A FR2482334A1 (en) | 1979-11-09 | 1979-11-09 | COMPUTER SYSTEM FOR ENTERING AND PROCESSING BANK IDENTITY STATEMENTS: DISTRIB |
Publications (1)
Publication Number | Publication Date |
---|---|
NO812307L true NO812307L (en) | 1981-07-07 |
Family
ID=9231494
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
NO812307A NO812307L (en) | 1979-11-09 | 1981-07-07 | DEVICE FOR INFORMATION ON PAYMENT AND PAYMENT OF BANK INSTRUCTIONS. |
Country Status (10)
Country | Link |
---|---|
EP (1) | EP0031736A1 (en) |
JP (1) | JPS56501505A (en) |
AU (1) | AU6489280A (en) |
BR (1) | BR8008905A (en) |
DK (1) | DK303381A (en) |
FI (1) | FI812132L (en) |
FR (1) | FR2482334A1 (en) |
MC (2) | MC1464A1 (en) |
NO (1) | NO812307L (en) |
WO (1) | WO1981001477A1 (en) |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2671414B1 (en) * | 1991-01-04 | 1995-02-03 | Dassault Electronique | INSTALLATION AND METHOD FOR THE PROCESSING OF TRANSACTIONS BY PAYMENT SECURITIES, SUCH AS CHECKS. |
Family Cites Families (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3985998A (en) * | 1970-11-18 | 1976-10-12 | Century International Corporation | Personal authority verification system |
DE2119491A1 (en) * | 1971-04-21 | 1972-11-09 | Ostertag-Werke Ag, 7080 Aalen | System for the distribution of units of value |
DE2350418A1 (en) * | 1973-10-08 | 1975-04-10 | Gretag Ag | PROCEDURE AND EQUIPMENT FOR CREATING AND EVALUATING FALSE-PROOF MACHINELY READABLE PAYMENT RECEIPTS |
US3937925A (en) * | 1974-06-25 | 1976-02-10 | Ibm Corporation | Modular transaction terminal with microprocessor control |
US4053735A (en) * | 1975-08-07 | 1977-10-11 | Foudos James N | Assured-check computer-based bank credit disbursing system |
US4109238A (en) * | 1975-10-06 | 1978-08-22 | 1St Natl. Bank Of Atlanta | Apparatus for verifying checks presented for acceptance |
US4225779A (en) * | 1977-06-10 | 1980-09-30 | Omron Tateisi Electronics Co. | Banking apparatus and method |
AU4088778A (en) * | 1977-10-28 | 1980-04-24 | Int Standard Electric Corp | Transaction terminal |
-
1979
- 1979-11-09 FR FR7927673A patent/FR2482334A1/en active Granted
-
1980
- 1980-11-06 WO PCT/FR1980/000157 patent/WO1981001477A1/en active Application Filing
- 1980-11-06 BR BR8008905A patent/BR8008905A/en unknown
- 1980-11-06 EP EP80401585A patent/EP0031736A1/en not_active Withdrawn
- 1980-11-06 MC MC80FR8000157D patent/MC1464A1/en unknown
- 1980-11-06 AU AU64892/80A patent/AU6489280A/en not_active Abandoned
- 1980-11-06 JP JP50257880A patent/JPS56501505A/ja active Pending
-
1981
- 1981-07-06 FI FI812132A patent/FI812132L/en not_active Application Discontinuation
- 1981-07-07 NO NO812307A patent/NO812307L/en unknown
- 1981-07-08 DK DK303381A patent/DK303381A/en unknown
-
1982
- 1982-03-19 MC MC82200K patent/MC200A7/en unknown
Also Published As
Publication number | Publication date |
---|---|
MC200A7 (en) | 1983-02-01 |
WO1981001477A1 (en) | 1981-05-28 |
DK303381A (en) | 1981-07-08 |
JPS56501505A (en) | 1981-10-15 |
FR2482334B1 (en) | 1984-10-19 |
AU6489280A (en) | 1981-06-03 |
FR2482334A1 (en) | 1981-11-13 |
BR8008905A (en) | 1981-08-25 |
EP0031736A1 (en) | 1981-07-08 |
MC1464A1 (en) | 1983-02-01 |
FI812132L (en) | 1981-07-06 |
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