WO2009084062A1 - Procédé et système pour récupérer de l'argent restant - Google Patents

Procédé et système pour récupérer de l'argent restant Download PDF

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Publication number
WO2009084062A1
WO2009084062A1 PCT/IT2008/000006 IT2008000006W WO2009084062A1 WO 2009084062 A1 WO2009084062 A1 WO 2009084062A1 IT 2008000006 W IT2008000006 W IT 2008000006W WO 2009084062 A1 WO2009084062 A1 WO 2009084062A1
Authority
WO
WIPO (PCT)
Prior art keywords
money
choice
requesting
crediting
credit card
Prior art date
Application number
PCT/IT2008/000006
Other languages
English (en)
Inventor
Domenico Fuson
Original Assignee
Sobrel S.R.L.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Sobrel S.R.L. filed Critical Sobrel S.R.L.
Priority to PCT/IT2008/000006 priority Critical patent/WO2009084062A1/fr
Publication of WO2009084062A1 publication Critical patent/WO2009084062A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/206—Software aspects at ATMs

Definitions

  • the present invention refers to a process and a system for recovering remaining money, that can be used in particular in airports or transit places when going out of countries when one has such remaining money to be recovered.
  • banknotes and coins also known as ATM, acronym for Automatic Teller Machine
  • ATM Automatic Teller Machine
  • Object of the present invention is solving the above mentioned problems, and provides for a process and a system for recovering remaining money that can be easily realised and immediately used and that allow recovering (through donations or credits on one's own account) amounts of money that were unused and so far practically unusable, such as for example small-valued banknotes and/or coins that remain at the end of a business or tourist journey.
  • the inventive system can solve the problem of the small amounts in foreign currency that remain, for example at the end of a journey, and that in the majority of cases would remain unused, since they cannot be changed by the bank (coins) or they remain forgotten (banknotes) .
  • FIG. 1 is a perspective view of a preferred embodiment of the system for recovering money of the present invention.
  • FIGS. 2 and 3 are schematic views of the screens obtained through an embodiment of the process of the present invention.
  • the process for recovering money of the present invention substantially comprises the following steps: requesting (Sl) to provide money in local currency as coins and/or banknotes ("Introduci Valuta Locale Monete o Banconote" in Fig. 2 ) ; upon providing the money, computing the total amount of the provided money; requesting (S7) a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) credit on one's own credit card and/or current account ("Destinazione Fondi 1 Donation as charity 2 Accredito sulla tua carta" in Fig.
  • inventive process can further comprise the initial step (SO) of displaying choices of possible languages that can be used in the process ("Sele condominium lingua" in Fig. 2) .
  • the above process can further comprise, after the step of requesting to provide money in a currency, the step of selecting (S3) the final conversion currency and the step of converting (S5) the local currency provided into the final conversion currency.
  • the step of requesting the entry of credit card data is composed of the step of requesting the physical insertion of the credit card in a reader, and the step of crediting said money occurs immediately on the credit card inserted in the reader.
  • inventive process can further comprise the final step of issuing (S13) a receipt for the performed operation ("Ritirare Ia ricevuta" in Fig. 3).
  • the above described process provides that the step of computing the total amount of the provided money comprises the steps of computing the total amount of the coins that are randomly provided, and computing the total amount of the banknotes that are randomly provided. This obviously simplifies the procedure for entering money by the end user.
  • the system 1 for recovering money substantially comprises: means 3, 5 for requesting to provide money in local currency as coins and/or banknotes; upon providing the money, means 7, 9 for computing the total amount of the provided money; means 3, 5 for requesting a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) credit on one' s own credit card and/or current account; in case of choice a) donation as charity, means 3, 5 for requesting at least one choice of a charity association to which the donation must be sent, and crediting said money to the chosen association; and in case of choice b) crediting on one's own credit card and/or current account, means 3, 5 for requesting the entry of data about credit card and/or current account and crediting said money to the institution responsible for managing the transactions for such choice.
  • the above described system 1 can further comprise means 3, 5 for displaying choices of possible languages that can be used in the process, and means 3, 5 for selecting the final conversion currency and converting the provided local currency into the final conversion currency.
  • such means 3, 5 are composed of at least one display 3 and at least one Central Processing Unit CPU 5, that has been shown in a schematic and general way in Fig. 1, since it is well known to the skilled people in the art.
  • the above described system will therefore be able to accept, recognise the value and check the validity of the money (metal or paper) of the country in which it will be installed, will have the connection to the bank that owns it in order to have the exchange rate in real time and for transferring, where requested, the amount derived from the deposit through a credit card circuit, such as for example Visa, Mastercard, AMEX, etc.
  • a credit card circuit such as for example Visa, Mastercard, AMEX, etc.
  • the inventive system guarantees the maximum reliability and safety of transactions, being based on equipment commonly used for Bancomat points or the like (ATM machines) , and on a retention structure (safe) at UL level.
  • the inventive system 1 can substantially comprise:
  • monitor 3 with touch screen, for selecting the required operations and displaying information, for example with images with figures of the operation to be performed
  • printers 11 for receipts and daily operations, where required
  • command and control electronic cards and EPROM • command and control electronic cards and EPROM (not shown) • safety structure (for example safe) (not shown)
  • the software is easily adapted to the configuration of the system aimed for every single customer: the software bases will always be the same one and will simply be able to be configured according to the related options chosen by the customer (transfer of money to various institutions or credit back on the current account of the payer through Visa circuit, etc.).

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention porte sur un procédé et sur un système pour récupérer de l'argent. Le procédé consiste à : demander (S1) la distribution d'argent en devise locale sous la forme de pièces et/ou de billets de banque ; calculer la quantité totale d'argent délivré ; demander (S7) un choix d'une destination finale pour l'argent, choisi parmi une liste contenant au moins les choix suivants : a) don caritatif ; b) crédit sur une carte de crédit et/ou un compte courant ; dans le cas du choix a), demander (S9) au moins un choix d'une association caritative à laquelle le don est fait, et créditer l'argent à l'association choisie ; dans le cas du choix b), demander (SI1) une entrée de données concernant une carte de crédit et/ou un compte courant et crédit de l'argent à une institution responsable de la gestion de transactions pour ce choix.
PCT/IT2008/000006 2008-01-03 2008-01-03 Procédé et système pour récupérer de l'argent restant WO2009084062A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IT2008/000006 WO2009084062A1 (fr) 2008-01-03 2008-01-03 Procédé et système pour récupérer de l'argent restant

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IT2008/000006 WO2009084062A1 (fr) 2008-01-03 2008-01-03 Procédé et système pour récupérer de l'argent restant

Publications (1)

Publication Number Publication Date
WO2009084062A1 true WO2009084062A1 (fr) 2009-07-09

Family

ID=39737184

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IT2008/000006 WO2009084062A1 (fr) 2008-01-03 2008-01-03 Procédé et système pour récupérer de l'argent restant

Country Status (1)

Country Link
WO (1) WO2009084062A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013038411A1 (fr) * 2011-09-13 2013-03-21 MIZRACHI, Gabi Zachary Système, appareil et procédé de dépôt de devise dans un compte à créditer

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2046491A (en) * 1979-03-07 1980-11-12 Laurel Bank Machine Co Money exchange apparatus
US4953086A (en) * 1987-03-31 1990-08-28 Kabushiki Kaisha Toshiba Money exchanging machine for exchanging first and second nations' currencies by sorting, storing and paying out the currencies
WO1999016027A2 (fr) * 1997-09-25 1999-04-01 Interchange Nets Ltd. Dispositif de manipulation de pieces de monnaie
US5909794A (en) * 1992-09-04 1999-06-08 Coinstar, Inc. Donation transaction method and apparatus
US20040181481A1 (en) * 2003-03-12 2004-09-16 Kenneth Carter Method of exchanging coins involving non-cash exchange options
US20060060646A1 (en) * 2004-09-22 2006-03-23 Lee Seon H Methods and apparatus for facilitating a currency exchange transaction
GB2435537A (en) * 2006-02-23 2007-08-29 Simon James Mills Currency exchange method and system

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2046491A (en) * 1979-03-07 1980-11-12 Laurel Bank Machine Co Money exchange apparatus
US4953086A (en) * 1987-03-31 1990-08-28 Kabushiki Kaisha Toshiba Money exchanging machine for exchanging first and second nations' currencies by sorting, storing and paying out the currencies
US5909794A (en) * 1992-09-04 1999-06-08 Coinstar, Inc. Donation transaction method and apparatus
WO1999016027A2 (fr) * 1997-09-25 1999-04-01 Interchange Nets Ltd. Dispositif de manipulation de pieces de monnaie
US20040181481A1 (en) * 2003-03-12 2004-09-16 Kenneth Carter Method of exchanging coins involving non-cash exchange options
US20060060646A1 (en) * 2004-09-22 2006-03-23 Lee Seon H Methods and apparatus for facilitating a currency exchange transaction
GB2435537A (en) * 2006-02-23 2007-08-29 Simon James Mills Currency exchange method and system

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013038411A1 (fr) * 2011-09-13 2013-03-21 MIZRACHI, Gabi Zachary Système, appareil et procédé de dépôt de devise dans un compte à créditer

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