WO2012034589A1 - Dispositif bancaire portable et procédé associé - Google Patents

Dispositif bancaire portable et procédé associé Download PDF

Info

Publication number
WO2012034589A1
WO2012034589A1 PCT/EP2010/063497 EP2010063497W WO2012034589A1 WO 2012034589 A1 WO2012034589 A1 WO 2012034589A1 EP 2010063497 W EP2010063497 W EP 2010063497W WO 2012034589 A1 WO2012034589 A1 WO 2012034589A1
Authority
WO
WIPO (PCT)
Prior art keywords
portable banking
portable
banking device
user
transaction
Prior art date
Application number
PCT/EP2010/063497
Other languages
English (en)
Inventor
Hakan Aran
Original Assignee
Turkiye Is Bankasi A.S.
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 Turkiye Is Bankasi A.S. filed Critical Turkiye Is Bankasi A.S.
Priority to PCT/EP2010/063497 priority Critical patent/WO2012034589A1/fr
Publication of WO2012034589A1 publication Critical patent/WO2012034589A1/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]
    • G07F19/205—Housing aspects of 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]

Definitions

  • Present invention is related to a portable banking device, and method of utilization of portable banking device in banking business.
  • making a transaction meant accessing a bank office, physically taking money to the office and performing the transaction or filling up a form in order to make the transaction using the money held in a bank account. This procedure meant several minutes, in some cases several hours, to make a single transaction.
  • banking systems are improved and made online, which means a real time transaction is possible, making transactions via internet and/or banking devices such as ATM (Automatic Teller Machine) has become possible, and time or location restraints have partially been overcome.
  • ATM Automatic Teller Machine
  • ATMs which are capable of both receiving and ejecting cash and enabling several transactions.
  • an ATM enables user to make a real time transaction, using either user's bank account or money present in the account, or cash that is to be held out ejected or received by ATM.
  • ATMs use large units and large and heavy cash safes and as a result they are not mobile. So they do not provide a complete solution to location restraint.
  • the only solution to be proposed is to employ as many publicly accessible ATMs as possible, which means a considerable investment of a bank.
  • ATMs are not being accessible by people with physical disabilities. As ATMs are placed to be publicly accessible, they should be at least a few tens of meters distant to any living place. This distance may make ATMs inaccessible by disabled people.
  • Present invention describes a portable banking device which comprises at least one cash slot which receives or ejects cash; at least one identification unit which identifies the amount and originality of money; at least one safe which keeps the money; at least one control unit which controls the operation of the device and at least one communication unit which performs communication operations.
  • the invention further comprises utilization methods of a portable banking device comprising a delivery method of said device and a transaction method of said device.
  • the delivery method comprises limitation of cash transaction requested by a user through the device before the device is delivered to the user, wherein the limitation is performed by a bank, which delivers the device in accordance with user's financial information.
  • the transaction method comprises receiving a transaction request from a user and checking availability of transaction both in terms of a predefined transaction limit and availability of safe.
  • a portable banking device capable of making transactions with cash is developed.
  • the need to an ATM or a bank office for making cash transactions is eliminated.
  • location restraint of a device capable of cash operation is completely eliminated.
  • a banking device with cash operations is made available to personal access.
  • the object of the present invention is to provide a portable banking device.
  • Another object of the present invention is to provide a portable banking device capable of making transactions using cash.
  • Another object of the present invention is to provide a portable banking device capable of connecting remotely to a banking system.
  • Another object of the present invention is to provide a portable banking device capable of identifying the originality and amount of cash in the device.
  • Another object of the present invention is to provide a portable banking device capable of performing security identification by means of a security interface. Another object of the present invention is to provide a portable banking device comprising cash safes.
  • Another object of the present invention is to provide a portable banking device comprising removable cash safes.
  • Another object of the present invention is to provide a portable banking device comprising user interfaces to be used to interact with the device user.
  • Another object of the present invention is to provide a portable banking device comprising a power unit which enables the device to be operated without an external power source.
  • Another object of the present invention is to provide a portable banking device which has online and offline operational capabilities other than bank transactions.
  • Another object of the present invention is to provide a utilization method of a portable banking device.
  • Another object of the present invention is to provide a utilization method of a portable banking device enabling or blocking cash as a result of a transaction. Another object of the present invention is to achieve management of money, which is present at the user side. Another object of the present invention is to provide a device that is capable of managing bank transaction remotely from a user's home or office.
  • Figure 1 shows a front perspective view of the portable banking device.
  • Figure 2 shows a rear perspective view of the portable banking device.
  • Figure 3 shows another rear perspective view of the portable banking device.
  • Figure 4 shows a side view of the portable banking device.
  • Figure 5 shows a front view of the portable banking device.
  • Figure 6 shows a block diagram of the portable banking device.
  • Figure 7 shows a flow diagram of cash operation in the portable banking device.
  • Figure 8 shows a flow diagram of servicing operation in the portable banking device.
  • Present invention describes a portable (easily carried or conveyed by hand) banking device (A) which enables a cash transaction in real time, and a utilization method of portable banking device for performing a cash transaction.
  • FIG. 1 - 6 shows exemplary drawings and a block diagram of the device (A) provided by the present invention. The invention will now be described with reference to the figures 1 - 6.
  • Portable banking device (A) comprises at least one cash slot (1 ), at least one identification unit (1 1 ), at least one safe (6), at least one control unit (10), and at least one communication unit (8).
  • Said cash slot (1 ) is used for receiving or ejecting cash.
  • the cash slot (1 ) may be either a paper money slot (1 a) or a coin slot (1 b).
  • the cash slot (1 ) is connected to the identification unit (1 1 ), which identifies the originality and amount of cash that is received or ejected by the cash slot (1 ).
  • Identification unit (1 1 ) may be either a paper money identification unit (1 1 a) or a coin identification unit (1 1 b).
  • the identification unit (1 1 ) is connected to the safe (6), in which the cash money is kept.
  • the safe (6) is preferably constructed using a lightweight and durable material such as a fiber composite, an aluminum alloy or a hardened plastic.
  • the safe (6) may be either a paper money safe (6a) or a coin safe (6b).
  • All components of device (A) are preferably hold by a portable outer case (4).
  • the outer case (4) encloses the whole device (A) so that the components of the device (A) are inaccessible.
  • Outer case (4) is preferably constructed using a lightweight and durable material so that the weight of the device (4) is reduced and the device (A) is robust.
  • Device (A) comprises at least one handle (5), which may be attached to the outer case (6) using at least one sliding joint and/or at least one revolute joint.
  • the handle (5) enables the device (A) to be handled and carried as a hand-held device.
  • the control unit (10) controls the operation of the device (A).
  • Control unit (10) comprises at least one direct or indirect connection to the all components of the device (A). The connection may be used for either energizing the component or controlling the component's operation.
  • Control unit (10) may comprise at least one microprocessor and/or microcontroller, which runs a sequence of commands and/or a software routine.
  • the unit (10) may further comprise permanent storage devices (i.e. read only memory, hard disk drive, Flash ROM device), temporary storage devices (i.e.
  • the control unit (10) may also comprise a wide variety of connectivity options, such as USB (Universal Serial Bus) plugs, audio device plugs (i.e. microphone input, speaker/headphone output), video connectors (VGA (Video Graphics Adapter) output, DVI (Digital Video Interface) output, HDMI (High Definition Multimedia Interface) output) so that external interfaces may be directly connected to the control unit (10) to be used with the device (A).
  • USB Universal Serial Bus
  • audio device plugs i.e. microphone input, speaker/headphone output
  • video connectors VGA (Video Graphics Adapter) output
  • DVI Digital Video Interface
  • HDMI High Definition Multimedia Interface
  • the communication unit (8) is connected to the control unit (10).
  • Communication unit (8) performs communication operations to the outside world, such as a computer connected to the device (A), wired or wireless networks or any other radio communication system.
  • Communication unit (8) may be a wired unit, such as a LAN (Local Area Network) controller, a USB (Universal Serial Bus) client controller, a serial port controller, a DSL (Digital Subscriber Line) modem, a cable modem, or a wireless communication unit, such as a WLAN (Wireless Local Area Network) controller, Bluetooth controller or a GSM (Groupe Special Mobile) module, wherein GSM module may be capable of handling communications over 3G networks.
  • the device (A) may comprise more than one communication unit (8) to enable communication over several communication systems.
  • the communication unit (8) may also be comprised internally by the control unit (10) or any component of the control unit (10).
  • the device (A) may comprise a scanning unit (2), which is capable of reading and evaluating printed documents such as bank checks, and related transactions are provided accordingly by the device (A).
  • Scanning unit (2) may comprise a document slot, an identification unit and a safe.
  • the device (A) may comprise at least one case lid (7), which closes at least one part of the case (4).
  • the lid (7) may be attached to the case (4) using at least one revolute joint and/or at least one sliding joint.
  • the lid (7) is preferably locked by at least one locking mechanism.
  • the locking mechanism may be either a mechanical locking mechanism, which may be locked or unlocked by a key, or an electronic locking mechanism, which may be locked or unlocked by any security feature that is known to the prior art.
  • the lid (7) is preferably constructed using a lightweight and a durable material.
  • the safe (6) of the device (A) preferably becomes accessible by opening the case lid (7).
  • the device (A) may also comprise at least one service lid (9), wherein at least one component of the device (A) becomes physically accessible by opening the service lid (9).
  • the service lid (9) is preferably used to access the components of the device (A) other than safe (6) of the device (A).
  • the lid (9) may be attached to the case (4) using at least one revolute joint and/or at least one sliding joint.
  • the device (A) may comprise at least one user interface (3) that is to be used to interact with the user of the device (A).
  • the interface (3) may either be an input device such as a keypad (3a) or a pointing device (i.e. mouse) (not shown in figures), or an output device such as a screen (3b) or a printer (3c), or an input/output device such as a touch sensitive screen (3b).
  • the user requests related to operation of the device (A) may be inputted to the user interface (3), and user interface (3) transmits the inputs to the control unit (10) so as to be processed.
  • User interface (3) may further receive data from the control unit (10) and outputs the data to the user.
  • the device (A) may further comprise at least one security interface (12), such as a credit card reader (12a), which may receive a credit card and is capable of reading either a magnetic tape or a smart card; a RFID (Radio Frequency Identification) card reader (12b) or a biometric sensor (12c).
  • the security interface (12) may preferably be employed while conducting a security identification operation within any transaction operation made by the device (A).
  • the device (A) may also comprise at least one power unit (13), which energizes the device (A).
  • the power unit (13) may be connected to at least one battery (14), which may be of rechargeable type, and may direct the energy stored in the battery (14) to the components of the device (A).
  • the power unit (13) may comprise at least one regulator to be used either to regulate the energy transmitted to any component or to charge the battery (14).
  • the power unit (14) may be comprised either as a separate unit of the device (A) or may be comprised by any component of the device (A).
  • the power unit (14) may also comprise an external power input (15), through which the device (A) can be connected to an external energy source and the energy of the external source may be used to power the device (A) and charge the battery (14).
  • the device (A) may also comprise at least one security unit (not shown in figures), which detects removal of safe (6) of the device (A). If removal of safe (6) by a user is not desired, several actions may be taken when removal is detected by said security unit.
  • the device (A) may preferably be deactivated, not allowing any operations using the device (A).
  • the device (A) may communicate with a banking system and send information comprising the information of removal of safe (6). If the device (A) is deactivated because of removal of safe (6), it may preferably be reactivated by a bank, which owns and delivers the device (A).
  • Present invention also comprises methods for utilization of the portable banking device (A) described above in banking services.
  • a flow diagram of an exemplary delivery method of the device (A) is given in figure 8.
  • a portable banking device (A) is to be delivered to a user (22)
  • the user's financial information is analyzed (23) and it is determined whether the user financial information is suitable to carry out the delivery. If the information is not suitable, the delivery is not made (24b).
  • the delivery is made by paying in some deposit (24a) by a user, to whom the device (A) is to be delivered. If the deposit is paid in, then said financial information also comprises said deposit amount.
  • the device (A) is delivered to the user by limiting cash transaction through the device (A) in accordance with said financial information.
  • cash is deposited (25) in the safe (6) of the device (A), the amount of which is decided based on said financial information before the device (A) is delivered to the user (27).
  • the device (A) may be customized (26) in terms of components of device (A), transaction availabilities, device software and/or user or security interfaces in accordance with user requirements.
  • the device (A) When the device (A) is in use of the user, the user is free to make all transactions made available to him/her by bank services. When the user requests a transaction, the device (A) is connected to the banking systems and it checks whether requested transaction is available by meeting all of the following requirements: - transactions available to the user by the bank
  • the transaction is denied, stating the reason of denial preferably through a user interface (3). If the transaction is available in terms of all conditions, the transaction is made notifying the user that transaction is available. Preferably, before at least one step of the transaction, a security identification operation is performed using either a security interface (12) or a user interface (3).
  • the user may preferably use either the money present in his/her account or block some money present in the device (A). If the money in the device (A) is blocked, that amount will be evaluated as unavailable to the user for future transactions.
  • transaction of bringing in may preferably increase the amount of cash made available to the user by the device (A). In this manner, it is absolutely achievable to make some cash, the amount of which is dynamically correlated to user account status, available to the user.
  • user's bank account, user's credit card account or a third party account such as a shopping system account, another user's account is updated in accordance with said transaction.
  • FIG. 7 An exemplary method of a cash transaction is given in figure 7.
  • a communication is established (17) between the device (A) and banking system by using a communication unit (8).
  • the transaction request is transmitted to the banking system using the communication.
  • Banking system checks whether the user's financial information is available (18) for requested transaction.
  • Financial information may comprise availability of user's bank account according to the predefined transaction limit determined in accordance with user's financial information during delivery of the device (A) for transactions to be performed through the device (If the account is available, the availability information is sent to the device (A). If the account is not available, the transaction is cancelled (20b).
  • the safe (6) of the device (A) is checked (19) for availability of required cash or required space for placement of cash. If the safe (6) is not available, the transaction is cancelled (20b) due to lack of safe conditions. If the safe (6) is also available, the transaction is allowed (20a) and appropriate account activity is performed by banking system in accordance with a notification of termination that is sent by device (A) to the banking system (21 ).
  • the safe (6) of the device (A) may be either removed by the user or operated by the bank.
  • a safe (6) is to be removed due to lack of cash or overflow of cash present in the safe (6), either the user removes the safes (6) and delivers to the bank or the user delivers the device (A) directly to the bank.
  • the cash in the safe (6) is regulated and the regulation is reflected to the user account. If desired, the user may pay in extra deposit to be used within the device (A).
  • the device (A) may be equipped with the security unit for the control of safe (6).
  • the device (A) becomes inactive and can only be reactivated by the bank.
  • the device (A) preferably communicates with the bank system and send the information of removal of safe (6) hence further actions such as blockage of user account is taken.
  • At least one extra safe may be delivered to the user by the bank and user may interchange the safes when the safe (6) is not available for transaction.
  • the total amount of cash present in the safes (6) may be correlated with the user account.
  • a device (A) and methods are provided for performing bank transactions remotely comprising the transactions in which cash is used.
  • the requirement of using a stationary device like ATM or a bank office for a cash transaction is eliminated.
  • banking systems known from the prior art can be serviced with the help of the device (A).
  • the device (A) may be used as an electronic safe or electronic money-box which is capable of interacting with the user's bank accounts and is capable of servicing the money present in the device for a bank transaction in real time.
  • the device (A) provided within the present invention can be equipped with additional online and offline operational capabilities such as utilization of the device (A) for online payment and online shopping systems, utilization of device (A) as an independent cash safe or enabling any information system accessible through the device (A).
  • the device (A) Being a portable device (A) which comprises cash management by cash slot (1 ), identification unit (1 1 ) and cash safe (6), the device (A) can be operated same as an ATM wherein the device (A) can be used as a home appliance or office equipment.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un dispositif bancaire portable (A) comportant au moins une fente (1) pour espèces ; au moins une unité (11) d'identification ; au moins un coffre-fort (6) ; au moins une unité (10) de commande et au moins une unité (8) de communication. A l'aide du dispositif (A) de la présente invention, un utilisateur dispose de la souplesse d'effectuer une transaction en espèces instantanément et sans avoir besoin d'accéder à un dispositif bancaire fixe ou à une agence bancaire, de l'argent étant présent auprès de l'utilisateur. L'invention concerne également des procédés d'utilisation d'un tel dispositif (A) avec un système bancaire et / ou dans le cadre d'une transaction bancaire.
PCT/EP2010/063497 2010-09-14 2010-09-14 Dispositif bancaire portable et procédé associé WO2012034589A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/EP2010/063497 WO2012034589A1 (fr) 2010-09-14 2010-09-14 Dispositif bancaire portable et procédé associé

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/EP2010/063497 WO2012034589A1 (fr) 2010-09-14 2010-09-14 Dispositif bancaire portable et procédé associé

Publications (1)

Publication Number Publication Date
WO2012034589A1 true WO2012034589A1 (fr) 2012-03-22

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2010/063497 WO2012034589A1 (fr) 2010-09-14 2010-09-14 Dispositif bancaire portable et procédé associé

Country Status (1)

Country Link
WO (1) WO2012034589A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3547274A1 (fr) * 2018-03-27 2019-10-02 Capital One Services, LLC Appareil de distribution de billets de banque
CN111695990A (zh) * 2020-06-22 2020-09-22 中国银行股份有限公司 上门收款服务的处理方法及装置

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0773257A (ja) 1993-06-24 1995-03-17 Shizuoka Ginkou:Kk 銀行業務代行システム
WO1998011515A1 (fr) * 1996-09-16 1998-03-19 Inflight Ati, Inc. Echangeur de devises et de cartes de valeur embarque
US5971274A (en) * 1998-01-28 1999-10-26 Inflight Financial Services Ltd. Apparatus and methods for providing financial services
GB2370146A (en) * 2000-12-16 2002-06-19 Ncr Int Inc Portable self-service terminal
JP2002183436A (ja) 2000-12-11 2002-06-28 Nec Fielding Ltd ホームバンキング現金受取方法、ホームバンキング現金受取方式およびホームバンキング現金受取用プログラムを記録した記録媒体

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0773257A (ja) 1993-06-24 1995-03-17 Shizuoka Ginkou:Kk 銀行業務代行システム
WO1998011515A1 (fr) * 1996-09-16 1998-03-19 Inflight Ati, Inc. Echangeur de devises et de cartes de valeur embarque
US5971274A (en) * 1998-01-28 1999-10-26 Inflight Financial Services Ltd. Apparatus and methods for providing financial services
JP2002183436A (ja) 2000-12-11 2002-06-28 Nec Fielding Ltd ホームバンキング現金受取方法、ホームバンキング現金受取方式およびホームバンキング現金受取用プログラムを記録した記録媒体
GB2370146A (en) * 2000-12-16 2002-06-19 Ncr Int Inc Portable self-service terminal

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3547274A1 (fr) * 2018-03-27 2019-10-02 Capital One Services, LLC Appareil de distribution de billets de banque
CN111695990A (zh) * 2020-06-22 2020-09-22 中国银行股份有限公司 上门收款服务的处理方法及装置
CN111695990B (zh) * 2020-06-22 2023-04-18 中国银行股份有限公司 上门收款服务的处理方法及装置

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