WO2017182012A1 - Digital microfinance system for coins - Google Patents

Digital microfinance system for coins Download PDF

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Publication number
WO2017182012A1
WO2017182012A1 PCT/CO2016/000004 CO2016000004W WO2017182012A1 WO 2017182012 A1 WO2017182012 A1 WO 2017182012A1 CO 2016000004 W CO2016000004 W CO 2016000004W WO 2017182012 A1 WO2017182012 A1 WO 2017182012A1
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WO
WIPO (PCT)
Prior art keywords
coins
money
user
riem
software
Prior art date
Application number
PCT/CO2016/000004
Other languages
Spanish (es)
French (fr)
Inventor
Luis Andres IREGUI VILLAMARIN
Original Assignee
Bancoink Sas
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 Bancoink Sas filed Critical Bancoink Sas
Priority to PCT/CO2016/000004 priority Critical patent/WO2017182012A1/en
Publication of WO2017182012A1 publication Critical patent/WO2017182012A1/en
Priority to CONC2018/0011175A priority patent/CO2018011175A2/en

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D9/00—Counting coins; Handling of coins not provided for in the other groups of this subclass
    • G07D9/04—Hand- or motor-driven devices for counting coins
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06M—COUNTING MECHANISMS; COUNTING OF OBJECTS NOT OTHERWISE PROVIDED FOR
    • G06M3/00—Counters with additional facilities
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F5/00—Coin-actuated mechanisms; Interlocks

Definitions

  • Colombian patent document CO 14 222978 called “Multiple Currency Detector” reveals a development that aims to serve as a “purse” or coin sensor for the different machines exposed to the public that interacts with them, through coins to obtain a product or service Its main feature is to be constructed basically of acrylic material, not depending on its operation of moving parts, it can detect six different types of Colombian coins and use opto switches in its output stage.
  • a second document with international publication number WO2014 / 202970 A2 entitled "Money Box” relates to a computerized banking system comprising a computer that manages a bank account associated with the user and capable of being used for deposits and withdrawals, a money box with a control unit to store acceptable money from the user, a money counter to count the money inserted, an electronic communication circuit in bidirectional communication with the bank computer that has a user bank account and a user information output device where said information including both the amount of cash stored in said money box, and the balance of said account in the user's possession are in two-way communication with the computer from the bank.
  • the system teaches a piggy bank to store coins or cash, which is linked to the banking system, which through a computer communicates with the bank and manages a user's bank account.
  • the system is close to the invention because it has a physical element that stores and counts the stored money that, being in communication with a bank account, updates the balance of said account in relation to the money that is introduced into the piggy bank.
  • the piggy bank has a compartment of storage, one or more unidirectional slots for coins or bills that are received and a processor to calculate the amount of coins or bills stored. It can include an animal-shaped carrier and the cash storage box is detachable from the carrier.
  • This development teaches a piggy bank that counts and stores coins or bills, calculating its amount, which has an interface that connects a computer to the banking system, where the user usually a child, can make virtual banking transactions in the form of a game, taking into account the amount of money saved in the piggy bank.
  • the authentication center is not mentioned by combining the ID with the biometric and / or wireless data in a previous database, nor of a control system for the identification of the data and its subsequent Sign of validity Nor is it stated in the document that there is the possibility of interacting with money through a web and / or mobile application or that the money saved can then be used directly in allied stores. Finally, the document proposes that the user should take the money to the bank lacking the option in which the money enters the financial system immediately.
  • the present invention exceeds what is stated in WO2009 / 076280 A2 since, thanks to its biometric and / or wireless authentication methods, the process of depositing money is much faster.
  • each document terminal cited is not part of an intercommunicated network; On the contrary, each terminal is independent. Also noteworthy is the progress involved in not having to take the personally stored money to the bank, since that is a security risk that eliminates the present invention by storing all the money received without prejudice to its entry into the financial system.
  • the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, something that the present invention does.
  • the present invention exceeds what is stated in document CO 3 30306, since it is specifically designed to use biometric and / or wireless methods for authentication, which stand out for their speed, reliability, security and superiority over more traditional methods.
  • the cited document attacks a totally different problem because it does not focus at all on improving the circulation of coins.
  • the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does.
  • Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks.
  • no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics.
  • the apparatus includes a accommodation for the coins (102), which is internally divided into different compartments (106) where the different kinds of currency are housed. It also contains the device (122) that accepts or not the coins that are introduced, determining its denomination and to which deposit (106) to carry the coin for storage. Through electronic elements and circuits it counts the amount of coins received and makes a balance.
  • the device can be connected to other similar networks and interact.
  • WO2015 / 008121 A1 reveals a different purpose than the present invention, since it is a system focused on the financial education of different subtypes and therefore does not attack the problem of circulation of currencies that It does solve the present invention. Additionally there is no mention of specifically biometric or wireless authentication methods. The document also does not reference the ability to transform money deposited in electronic money and pay it to a valid bank account instantly.
  • Document US20130161153 entitled: "Consumer Operated Kiosk-Based Marketplace Systems and Associated Methods” refers to a kiosk operated by the customer to count coins and / or provide various products and services.
  • kiosks can provide the customer with the ability to review and select various options to use the value of the coins in other ways.
  • Another modality provides the ability for the user to enter a web network to share and compare their experiences at the kiosk with others.
  • the currency receiving device the network connection of several of these devices by means of wireless or internet technologies, having a security deposit for coins, using electronic elements that They operate the device, such as the computer that performs network financial operations.
  • the differences with the system of the invention include that the device can connect to a bank exchange and interact with a user's account and that the functionalities can occur through a web and / or mobile application. Additionally there is no mention of specifically biometric or wireless authentication methods. The document also does not reference the ability to convert money deposited into electronic money and pay it to a valid bank account instantly.
  • the system taught in another application document WO 2013/101959 entitled "Coin Counting Machines Having Cou on Capabilities, Loyalty Program Capabilities, Advertising Capabilities, and the Like" provides a method of delivering coupons, which includes receiving coins from a customer at a counter to determine its value.
  • the method also provides a coupon for the customer that is redeemable for cash or merchandise.
  • the method includes providing coupons for the customer based in part on the main purchases and information associated with the customer.
  • This development is close to the invention because it teaches a computer-based method that provides coupons to customers in conjunction with an automatic coin counting transaction.
  • the customer's account interacts with a database related to a user's bank account and that it is possible to make personalized customer transactions through mobile device applications. They also differ in that the cited document does not mention biometric and / or wireless authentication.
  • the document also does not reference the ability to convert money deposited into electronic money and pay it to a valid bank account instantly.
  • the invention with international publication number WO95 / 30215 A1 entitled "CouponA / oucher Dispensing Machine and Method” teaches a coin apparatus and a method of operating it, which automatically dispenses cash coupons based on the value of coin counting, coupons from manufacturers and store coupons.
  • the coins are placed in a horizontal angle hopper tray. When the tray drops the coins, they fall through the hopper for counting and arranging each coin in its proper place. The value of the coins and the number of coins of each denomination are shown and the coins are counted. The user is informed with the voucher and a series of coupons.
  • the exchangeable value machine includes a region for entering coins where coin classification and counting is performed, a reading card and a communications site configured to communicate with a remote computerized network.
  • the value system includes one or more machines connected to one or more computers via link. A user who wishes to buy for example a prepaid card can visit another machine, select the desired transaction and pay for the cards with coins, cash, cards, debit card and / or bank account funds. After payment confirmation, the machine dispenses the card to the user.
  • EP 2525281 A1 teaches a method implemented by computer to transfer funds from a first user to a second user, comprising a kiosk with a user interface and a place to enter funds, receive user funds and a means of response which provides the user with means to obtain an internet service with a computer separate from the kiosk.
  • the system taught is close to the invention because it has a physical element that stores and counts the money stored, which is in communication with a bank account and can carry out transactions to obtain different products from currencies.
  • the present invention exceeds what is stated in EP 2525281 A1 since, thanks to its biometric and / or wireless authentication methods, the process of depositing money is much faster.
  • each terminal derived from the cited document is not part of an intercommunicated network; On the contrary, each terminal is independent. Additionally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics.
  • the invention includes authentication elements, specifically through biometric or wireless methods and allows interaction with the device through a web and / or mobile application without having to be physically close to a kiosk.
  • the present invention surpasses what is stated on the website http://www.travelersbox.com since, thanks to its biometric and / or wireless authentication methods, the process of depositing money is much faster. Additionally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics. DESCRIPTION OF THE INVENTION
  • FIG. 1 Shows a perspective view of the network of intelligent and specialized coin receivers ("RIEM” for its acronym in Spanish).
  • Figure 4. Illustrates the user's interaction with the coin device.
  • Figure 5 Illustrates user interaction during point authentication with NFC / RFID reader.
  • Figure 7 Illustrates user interaction during point authentication with biometric scanner of the eye retina.
  • the present invention reveals an integrated hardware and software system, managed in a network through its own digital applications, which allows the collection, processing, reporting, digital deposit, conversion to electronic money and final use of metal coins that are usually discarded or stored. without spending due to its weight or low denomination.
  • the system Prior authentication of its users through wireless and / or biometric technologies, the system allows the deposit of coins in any of the several intelligent and specialized receivers of currencies that integrate it, which validate and verify the physical money deposited and transform it into electronic money so that the user can, through web and mobile applications, have their balances available.
  • SMDM the Digital Microfinance System of Coins (also known interchangeably as "SMDM"), is a proprietary hardware and software based tool that allows its users to deposit traditional and legally valid currencies anywhere in a network of Smart and Specialized Receivers of Coins (hereinafter referred to as "RIEM”#). This network is deployed in a specific geographical area.
  • SMDM Digital Microfinance System of Coins
  • RIEM Intelligent and Specialized Receiver of Currencies
  • the first one called the receiver module, is characterized in that it allows SMDM users to authenticate through built-in wireless or biometric technologies, receives, counts, processes, rejects or accepts coins through a receiver-counter and then transmits over the internet , telephone line or other suitable means of data transmission, to a database hosted on a secure server, all information referring to the deposit made, including but not limited to the place of operation, total amount deposited, amount of each denomination of deposited currency, amount of rejected or false coins and duration of the deposit session, among other data, allowing the value of the deposit to be added instantly to the balance of the personal account of the user who made it, converting physical currencies into electronic money available for The user in real time.
  • SMDM Digital Currency Microfinance System
  • RIEM Digital Currency Microfinance System
  • wireless and / or biometric technologies including, but not limited to, Near Field Communication ( NFC for its acronym in English) and / or Identification by Radial Field (RFID), as well as fingerprint or eye retina reading.
  • NFC Near Field Communication
  • RFID Radial Field
  • the coin receiver module (1) instantly connects to a database stored on a secure and remote server, where the value of the deposit is added to the balance of the personal account of the user who made it.
  • the database stores all the information associated with the deposit, including, but not limited to: location, total amount deposited, amount of each denomination of currency deposited, amount of coins rejected or false, duration of the deposit session, and others data. The result of this is that the SMDM almost immediately transforms physical currencies into electronic money.
  • the physical coins are stored in the second module, called a safe deposit box, which is characterized in that it allows you to store the deposited coins safely and then easily remove them without the need to replace the receiving module.
  • the user can interact with the money saved through a mobile application and / or a web application, which allow him to save it, transfer it to other users of the SMDM, purchase goods and / or services, transfer to traditional bank accounts, and donate to foundations, among other financial possibilities typical of a digital wallet.
  • web and mobile applications have game mechanics specifically designed to entertain and reward the user, in such a way that it maximizes the number of times the user interacts with the SMDM and this allows the system to capture personal and financial behavior data from each user
  • SMDM users connect to a particular RIEM through a secure and authenticated connection established via wireless and / or biometric technologies, including, but not limited to, Near Field Communication ( NFC for its acronym in English) and / or Radial Field Identification (RFID), as well as fingerprint or eye retina reading.
  • NFC Near Field Communication
  • RFID Radial Field Identification
  • the coin receiver module (1) instantly connects to a database stored on a secure and remote server, where the value of the deposit is added to the balance of the personal account of the user who made it.
  • the database stores all information associated with the deposit, including, but not limited to: location, total amount deposited, amount of each denomination of currency deposited, amount of coins rejected or false, duration of the deposit session, and other data. The result of this is that the SMDM almost immediately transforms physical currencies into electronic money.
  • the physical coins are stored in the second module (2) or safe deposit box, which is characterized in that it allows the deposited coins to be stored safely and then easily removed without the need to replace the receiving module (1).
  • the user can interact with the money saved through a mobile application and / or a web application, which allow him to save it, transfer it to other SMDM users, acquire goods and / or services, transfer to traditional bank accounts, and donate to foundations, among other financial possibilities typical of a digital wallet.
  • web and mobile applications have game mechanics specifically designed to entertain and reward the user, in such a way that it maximizes the number of times the user interacts with the SMDM and this allows the system to capture personal and financial behavior data from each user
  • the system is characterized by comprising an Intelligent and Specialized Receiver of Currencies ("RIEM") that is part of a network of receivers located in a specific geographical area; an authentication system based on biometrics or wireless or contactless communication technologies; proprietary software for the administration and disposal of managed money, connected to a remote database and proprietary software for the capture and management of personal data and financial behavior of users, connected to a remote database.
  • RIM Intelligent and Specialized Receiver of Currencies
  • the coin management system and equipment is comprised of a module for the reception and processing of coins, comprising: a receiver module with an ornamental design of a piggy bank in the form of an animal, preferably in the form of a pig, sitting or similar, as shown and described (1), a main housing or safety box (2) with front service door, a coin insertion slot (3), a touch-sensitive screen (4), an authentication point (the authentication method may vary), preferably it is an NFC / RFID reader, more preferably, a biometric fingerprint scanner, more preferably, a biometric scanner of the Eye Retina (5), a coin return compartment ( 6), a padlock (7), an anti pin system (provides coin entry lock) (8), an electronic coin acceptor (multi-currency) (9), an escrow system (provides a storage solution pre-transaction currency) (10), a magnetic antenna (provides amplification for wireless and mobile networks) (1 1), a coupler RJ45 (12), a roi / fen
  • the coin management system and equipment has an authentication system that is biometric and more preferably the system is based on wireless or contactless communication.
  • the invention also allows users to: to. Register in the SDMD
  • the coin management procedure is characterized in that the system and equipment used perform the following functions:
  • the information is transmitted by the RIEM to the secure database and
  • the SDMD throws new information based on the captured data.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

The present invention relates to an integrated hardware and software system that is managed in a network by means of its own digital applications and allows the collection, processing, reporting, digital deposit, conversion into electronic money and end use of metal coins that are usually discarded or kept without being spent because of the weight and small denomination thereof. The integrated system for the end use of coins, prior to wireless and/or biometric authentication of users, allows the deposit and electronic counting of coins in a smart money box or recipient that validates and reports, to a network-managed database, the physical money deposited. In turn, the database adds the money to the user's account and converts same into electronic money, allowing the user to have the money available in real time by means of web and mobile applications.

Description

SISTEMA ICROFINANCIERO DIGITAL DE MONEDAS  DIGITAL CURRENCY ICROFINANCE SYSTEM
CAMPO TÉCNICO DE LA INVENCIÓN TECHNICAL FIELD OF THE INVENTION
Por sus cualidades metálicas, las monedas requieren de un ejercicio de minería que no es muy eficiente, ni amigable con el medio ambiente, al punto que muchas monedas como la estadounidense de un centavo -conocida como 'penny'- tienen menor valor como dinero de lo que cuesta hacerlas. Según un estudio elaborado por Hass McCook, ingeniero y magíster de la Universidad de Oxford para la empresa Coindesk, se estima que anualmente en todo el mundo se invierten 39,6 millones de giga julios de energía para producir monedas, lo que equivale a emitir más o menos 6,7 millones de toneladas de dióxido de carbono. Because of their metallic qualities, the coins require a mining exercise that is not very efficient, nor friendly to the environment, to the point that many coins such as the American penny - known as 'penny' - have less value as money from what it costs to do them. According to a study prepared by Hass McCook, an engineer and master's degree from the University of Oxford for the Coindesk company, it is estimated that 39.6 million giga joules of energy are invested annually to produce coins, equivalent to issuing more or less 6.7 million tons of carbon dioxide.
Este proceso de minería, además de dañino para el medio ambiente, es costoso para los gobiernos de todos los países, pues deben constantemente generar más piezas para suplir las necesidades de sus poblaciones, las cuales se encuentran en perpetuo crecimiento. La situación es particularmente grave en países como Colombia, donde el 39 por ciento de los colombianos no ahorran y de la mayoría de los que sí lo hacen, el 37 por ciento mantiene el ahorro en su casa, por ejemplo en alcancías, de acuerdo con un informe del Banco de Desarrollo de América Latina publicado por el periódico colombiano El Tiempo en diciembre de 2014. Este hábito genera un problema cíclico que empieza con una mala circulación de monedas, pues gran parte de estas terminan en alcancías que pueden durar meses e incluso años sin ser vaciadas. Si las monedas no circulan dentro del sistema financiero y comercial, no pueden ser recolectadas y comienzan a escasear. En vista de la escasez, se hace necesario producir más monedas, incrementando los costos de producción y de circulación para suplir la demanda del mercado. This mining process, in addition to damaging the environment, is expensive for the governments of all countries, as they must constantly generate more pieces to meet the needs of their populations, which are in perpetual growth. The situation is particularly serious in countries such as Colombia, where 39 percent of Colombians do not save and of the majority of those who do, 37 percent keep saving at home, for example in piggy banks, according to a report from the Development Bank of Latin America published by the Colombian newspaper El Tiempo in December 2014. This habit generates a cyclical problem that begins with a bad circulation of currencies, since most of these end up in piggy banks that can last months and even years without being emptied. If the coins do not circulate within the financial and commercial system, they cannot be collected and begin to be scarce. In view of the shortage, it is necessary to produce more currencies, increasing production and circulation costs to meet market demand.
A continuación, se hace un recuento de los inventos existentes más cercanos a la invención planteada y se deja clara la diferencia entre cada uno y la invención, en los siguientes términos: Next, a recount of the existing inventions closest to the proposed invention is made and the difference between each and the invention is made clear, in the following terms:
El documento de patente colombiano CO 14 222978 denominado "Detector de Monedas Múltiple" revela un desarrollo que tiene como fin servir de "monedero" o sensor de monedas para las diferentes máquinas expuestas al público que interactúa con éstas, a través de monedas para obtener un producto o servicio. Su característica principal es estar construido básicamente de material acrílico, no depender en su funcionamiento de partes móviles, puede detectar seis tipos diferentes de monedas colombianas y emplear en su etapa de salida sensores ópticos opto interruptores. Colombian patent document CO 14 222978 called "Multiple Currency Detector" reveals a development that aims to serve as a "purse" or coin sensor for the different machines exposed to the public that interacts with them, through coins to obtain a product or service Its main feature is to be constructed basically of acrylic material, not depending on its operation of moving parts, it can detect six different types of Colombian coins and use opto switches in its output stage.
En dicho desarrollo, se emplea un sistema similar de recolección de monedas al enseñar un dispositivo que puede analizar las monedas que se introducen y determinar el tipo de moneda. Sin embargo, en el documento CO 14 222978 no se revela que el dispositivo contabilice la cantidad de monedas, su valor, ni su denominación. Tampoco propone un sistema de autenticación para el usuario, no crea una sesión específicamente tomando en cuenta preferencias de cada usuario individualmente. El invento citado también carece de interacción con una red o con Internet, es decir que se trata de una unidad aislada que no se conecta con una base de datos remota ni con una aplicación web y/o móvil. Tampoco enseña que el dispositivo puede conectarse con una entidad financiera ni es capaz de interactuar con o crear una cuenta bancaria válida dentro del sistema financiero de un área geográfica específica tal como fue desarrollado por la presente invención. In such development, a similar system of coin collection is used when teaching a device that can analyze the coins that are introduced and determine the type of currency. However, in document CO 14 222978 it is not disclosed that the device counts the amount of coins, their value, or their denomination. Neither proposes an authentication system for the user, does not create a session specifically taking into account preferences of each user individually. The aforementioned invention also lacks interaction with a network or with the Internet, that is, it is an isolated unit that does not connect to a remote database or to a web and / or mobile application. Nor does it teach that the device can connect to a financial entity nor is it capable of interacting with or creating a valid bank account within the financial system of a specific geographic area as developed by the present invention.
La presente invención supera a lo planteado en el estado de la técnica al incluir varios componentes adicionales que gracias a sus características mejoran y difieren del conocimiento general sustraído del documento citado. El presente invento divulga una red de alcancías inteligentes, incluye tecnologías sofisticadas de autenticación biométricas y/o inalámbricas, transforma las monedas en dinero electrónico que puede ser utilizado de inmediato, captura datos e impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. The present invention exceeds what is stated in the state of the art by including several additional components that, thanks to their characteristics, improve and differ from the general knowledge subtracted from the cited document. The present invention discloses a network of intelligent piggy banks, includes sophisticated biometric and / or wireless authentication technologies, transforms currencies into electronic money that can be used immediately, captures data and drives the interaction of users with the invention through mechanics of game.
Estos aspectos son determinantes en la novedad del presente invento y se encuentran ausentes por completo en el documento citado. These aspects are decisive in the novelty of the present invention and are completely absent in the cited document.
Un segundo documento con número de publicación internacional WO2014/202970 A2 titulado "Money Box" se relaciona con un sistema bancario informatizado que comprende un ordenador que maneja una cuenta bancaria asociada con el usuario y capaz de ser utilizada para depósitos y retiros, una caja de dinero con una unidad de control para almacenar dinero aceptable del usuario, un contador de dinero para contar el dinero insertado, un circuito de comunicación electrónica en comunicación bidireccional con la computadora del banco que tiene una cuenta bancaria del usuario y un dispositivo de salida de información al usuario donde dicha información incluyendo tanto la cantidad de dinero en efectivo almacenado en dicha caja de dinero, como el saldo de dicha cuenta en la posesión del usuario están en comunicación bidireccional con el ordenador del banco. A second document with international publication number WO2014 / 202970 A2 entitled "Money Box" relates to a computerized banking system comprising a computer that manages a bank account associated with the user and capable of being used for deposits and withdrawals, a money box with a control unit to store acceptable money from the user, a money counter to count the money inserted, an electronic communication circuit in bidirectional communication with the bank computer that has a user bank account and a user information output device where said information including both the amount of cash stored in said money box, and the balance of said account in the user's possession are in two-way communication with the computer from the bank.
El sistema enseña una alcancía para almacenar monedas o dinero en efectivo, la cual está ligada al sistema bancario, que por medio de un ordenador se comunica con la central bancaria y maneja una cuenta bancaria de un usuario. El sistema es cercano a la invención debido a que tiene un elemento físico que almacena y contabiliza el dinero almacenado que, estando en comunicación con una cuenta bancaria, actualiza el saldo de dicha cuenta con relación al dinero que se introduzca en la alcancía. The system teaches a piggy bank to store coins or cash, which is linked to the banking system, which through a computer communicates with the bank and manages a user's bank account. The system is close to the invention because it has a physical element that stores and counts the stored money that, being in communication with a bank account, updates the balance of said account in relation to the money that is introduced into the piggy bank.
A pesar de lo anterior, el desarrollo mencionado no revela la necesidad de un método de autenticación biométrico o inalámbrico como el propuesto por la invención, ni le permite al usuario interactuar con su dinero a través de una aplicación web y/o móvil con mecánicas de juego. Por otro lado, la invención se vería apartada de lo enseñado en el documento WO2014/202970 A2, al revelar métodos y transacciones diferentes en los cuales, el sistema del documento citado requiere que el hardware sea portable y únicamente puede ser abierto en el banco, mientras en la invención el dinero se almacena y el hardware es fijo. Despite the foregoing, the aforementioned development does not reveal the need for a biometric or wireless authentication method such as that proposed by the invention, nor does it allow the user to interact with their money through a web and / or mobile application with mechanical game. On the other hand, the invention would be separated from what is taught in WO2014 / 202970 A2, by revealing different methods and transactions in which, the cited document system requires that the hardware be portable and It can only be opened in the bank, while in the invention the money is stored and the hardware is fixed.
La presente invención supera a lo planteado en el documento WO2014/202970 A2 ya que gracias a sus métodos de autenticación biométricos y/o inalámbricos el proceso de depositar dinero es mucho más rápido. Por otro lado, cada terminal derivado del documento citado no hace parte de una red intercomunicada; al contrario, cada terminal es independiente. También es notable el avance que implica no tener que llevar el dinero almacenado personalmente al banco, pues eso es un riesgo de seguridad que elimina nuestro invento al almacenar todo el dinero recibido sin requerir otra acción por parte del usuario. Otra funcionalidad superior es la capacidad del presente invento de conectarse con el sistema financiero directamente para transformar el dinero físico en dinero electrónico instantáneamente, dicha capacidad no es prevista por el documento citado. Adicionalmente, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Por último, no se hace ningún tipo de captura de datos ni se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. The present invention exceeds what is stated in WO2014 / 202970 A2 since thanks to its biometric and / or wireless authentication methods the process of depositing money is much faster. On the other hand, each terminal derived from the cited document is not part of an intercommunicated network; On the contrary, each terminal is independent. Also noteworthy is the progress involved in not having to take the personally stored money to the bank, as that is a security risk that eliminates our invention by storing all the money received without requiring other action by the user. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, said capacity is not provided by the cited document. Additionally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics.
El Documento WO2009/076280 A2 titulado "7by Bank and Online Method Thereof, se refiere a una alcancía que incluye un receptor y una caja de almacenaje de dinero, así como una interfaz de computadora en comunicación con el banco. La alcancía tiene un compartimiento de almacenamiento, una o más ranuras unidireccionales para las monedas o billetes que se reciben y un procesador para calcular la cantidad de monedas o billetes almacenados. Puede incluir un portador en forma de animal y la caja de almacenar el dinero es desmontable del portador. Document WO2009 / 076280 A2 entitled "7by Bank and Online Method Thereof, refers to a piggy bank that includes a receiver and a money storage box, as well as a computer interface in communication with the bank. The piggy bank has a compartment of storage, one or more unidirectional slots for coins or bills that are received and a processor to calculate the amount of coins or bills stored. It can include an animal-shaped carrier and the cash storage box is detachable from the carrier.
Este desarrollo enseña una alcancía que cuenta y almacena monedas o billetes, calculando su cantidad, la cual tiene una interfaz que conecta un computador al sistema bancario, donde el usuario generalmente un niño, puede hacer transacciones bancarias virtuales en forma de juego, teniéndose en cuenta la cantidad de dinero ahorrado en la alcancía. This development teaches a piggy bank that counts and stores coins or bills, calculating its amount, which has an interface that connects a computer to the banking system, where the user usually a child, can make virtual banking transactions in the form of a game, taking into account the amount of money saved in the piggy bank.
Sin embargo, en dicho documento de patente no se menciona la central de autenticación mediante la combinación del ID con los datos biométricos y/o inalámbricos en una base de datos previa, ni de un sistema de control de la identificación de los datos y su posterior señal de validez. Tampoco se manifiesta en el documento que haya la posibilidad de interactuar con el dinero a través de una aplicación web y/o móvil ni que el dinero ahorrado puede ser después usado directamente en comercios aliados. Por último, el documento propone que el usuario debe llevar el dinero al banco careciendo de la opción en que el dinero ingrese al sistema financiero de inmediato. However, in said patent document the authentication center is not mentioned by combining the ID with the biometric and / or wireless data in a previous database, nor of a control system for the identification of the data and its subsequent Sign of validity Nor is it stated in the document that there is the possibility of interacting with money through a web and / or mobile application or that the money saved can then be used directly in allied stores. Finally, the document proposes that the user should take the money to the bank lacking the option in which the money enters the financial system immediately.
La presente invención supera a lo planteado en el documento WO2009/076280 A2 ya que gracias a sus métodos de autenticación biométricos y/o inalámbricos el proceso de depositar dinero es mucho más rápido. Por otro lado, cada terminal del documento citado no hace parte de una red intercomunicada; al contrario, cada terminal es independiente. También es notable el avance que implica no tener que llevar el dinero almacenado personalmente al banco, pues eso es un riesgo de seguridad que elimina el presente invento al almacenar todo el dinero recibido sin perjuicio de su ingreso al sistema financiero. Por último, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. The present invention exceeds what is stated in WO2009 / 076280 A2 since, thanks to its biometric and / or wireless authentication methods, the process of depositing money is much faster. On the other hand, each document terminal cited is not part of an intercommunicated network; On the contrary, each terminal is independent. Also noteworthy is the progress involved in not having to take the personally stored money to the bank, since that is a security risk that eliminates the present invention by storing all the money received without prejudice to its entry into the financial system. Finally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, something that the present invention does.
Otra invención colombiana relacionada, se enseña en la solicitud de patente con número CO 3 30306 y titulada "Sistema Electrónico de Adquisición, Procesamiento y Control Interfazado (sic) con Unidad Central de Procesamiento (CPU) con Aplicación en Máquinas Electrónicas Tragamonedas", en la cual el sistema detecta y almacena en su interior monedas y está en comunicación con una central por medio de un microcontrolador, un microprocesador o un dispositivo programable tipo PAL o GAL, utilizando un puerto serial bidireccional con protocolo RS232 o por medio de un puerto paralelo empleando un expansor de puertos bidireccional. El sistema también utiliza una interfaz de comunicaciones serial bidireccional usando un protocolo RS485, entre uno o varios sistemas electrónicos de adquisición, procesamiento y control y una o varias Unidades Centrales de Procesamiento (CPU). Another related Colombian invention is taught in the patent application with number CO 3 30306 and entitled "Electronic System of Acquisition, Processing and Control Interface (sic) with Central Processing Unit (CPU) with Application in Electronic Slot Machines", in the which the system detects and stores coins inside it and is in communication with a control panel through a microcontroller, a microprocessor or a programmable device type PAL or GAL, using a bi-directional serial port with RS232 protocol or through a parallel port using a bi-directional port expander. The system also uses a bi-directional serial communications interface using an RS485 protocol, between one or more electronic acquisition, processing and control systems and one or more Central Processing Units (CPUs).
Por otro lado, este dispositivo se aparta de la invención al no enseñar el sistema de conteo de las monedas depositadas ni la interacción con una base de datos relacionada a una cuenta bancaria del usuario. Tampoco emplea ningún tipo de autenticación del usuario ni crea una red de alcancías. El sistema CO 3 30306 carece además de la capacidad de capturar datos y conectarse con una aplicación móvil. On the other hand, this device departs from the invention by not showing the system of counting the deposited coins or the interaction with a database related to a user's bank account. Nor does it use any kind of user authentication or create a piggy bank network. The CO 3 30306 system also lacks the ability to capture data and connect to a mobile application.
La presente invención supera a lo planteado en el documento CO 3 30306 ya que está específicamente diseñada para usar métodos biométricos y/o inalámbricos para la autenticación, los cuales se destacan por su velocidad, conf labilidad, seguridad y superioridad frente a métodos más tradicionales. Además, el documento citado ataca un problema totalmente diferente pues no se enfoca para nada en mejorar la circulación de monedas. Por otro lado, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Otra funcionalidad superior es la capacidad del presente invento de conectarse con el sistema financiero directamente para transformar el dinero físico en dinero electrónico instantáneamente, la cual el documento citado carece. Por último, no se hace ningún tipo de captura de datos ni se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. The present invention exceeds what is stated in document CO 3 30306, since it is specifically designed to use biometric and / or wireless methods for authentication, which stand out for their speed, reliability, security and superiority over more traditional methods. In addition, the cited document attacks a totally different problem because it does not focus at all on improving the circulation of coins. On the other hand, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics.
Otra invención importante que se incluye dentro del área del presente invento, se divulga en el documento: WO2015/008121 A1 con título: "System and Apparatus for Financial Education, Entrepreneurship Education and Life Management', la cual enseña un aparato que tiene como finalidad crear buenos hábitos financieros, educación empresarial y de manejos financieros de la vida diaria. El aparato incluye un alojamiento para las monedas (102), el cual está internamente dividido en diferentes compartimientos (106) donde se alojan las diferentes clases de moneda. Contiene también el dispositivo (122) que acepta o no las monedas que se introduzcan, determinando su denominación y a qué depósito (106) llevar la moneda para su almacenamiento. Por medio de elementos y circuitos electrónicos contabiliza la cantidad de monedas recibidas y realiza un balance. El aparato puede estar conectado en red a otros semejantes e interactuar. Another important invention that is included within the area of the present invention, is disclosed in the document: WO2015 / 008121 A1 with title: "System and Apparatus for Financial Education, Entrepreneurship Education and Life Management ', which teaches an apparatus for the purpose create good financial habits, business education and financial management of daily life. The apparatus includes a accommodation for the coins (102), which is internally divided into different compartments (106) where the different kinds of currency are housed. It also contains the device (122) that accepts or not the coins that are introduced, determining its denomination and to which deposit (106) to carry the coin for storage. Through electronic elements and circuits it counts the amount of coins received and makes a balance. The device can be connected to other similar networks and interact.
Este dispositivo contiene al menos una entrada de información acoplada comunicativamente a los circuitos electrónicos, incluyendo un medio legible por ordenador que almacena instrucciones ejecutables y un procesador adaptado para ejecutar las instrucciones, en el que las instrucciones están adaptadas para mostrar una interfaz gráfica en el dispositivo de visualización (154) y para recibir la entrada de un usuario a través de un dispositivo de entrada (156), a fin de permitir al usuario gestionar una cuenta de usuario, incluyendo un balance monetario. This device contains at least one information input communicatively coupled to electronic circuits, including a computer-readable medium that stores executable instructions and a processor adapted to execute the instructions, in which the instructions are adapted to display a graphical interface on the device. of display (154) and to receive the input of a user through an input device (156), in order to allow the user to manage a user account, including a monetary balance.
En contraposición a la invención, el documento WO2015/008121 A1 revela una finalidad diferente a la de la presente invención, pues se trata de un sistema enfocado en la educación financiera de diferentes subtipos y por lo tanto no ataca el problema de circulación de monedas que sí soluciona la presente invención. Adicionalmente no se hace mención a específicamente a métodos de autenticación biométricos o inalámbricos. El documento tampoco referencia la capacidad de transformar el dinero depositado en dinero electrónico y abonarlo a una cuenta bancaria válida de manera instantánea. In contrast to the invention, WO2015 / 008121 A1 reveals a different purpose than the present invention, since it is a system focused on the financial education of different subtypes and therefore does not attack the problem of circulation of currencies that It does solve the present invention. Additionally there is no mention of specifically biometric or wireless authentication methods. The document also does not reference the ability to transform money deposited in electronic money and pay it to a valid bank account instantly.
El documento US20130161153 con título: "Consumer Operated Kiosk-Based Marketplace Systems and Associated Methods" se refiere a un quiosco operado por el cliente para contar monedas y/o proveer varios productos y servicios. En modalidades particulares, los quioscos pueden proveer al cliente con la capacidad de revisar y seleccionar varias opciones para emplear el valor de las monedas de otras formas. Otra modalidad provee la capacidad para el usuario de entrar a una red web para compartir y comparar sus experiencias en el quiosco con otros. Document US20130161153 entitled: "Consumer Operated Kiosk-Based Marketplace Systems and Associated Methods" refers to a kiosk operated by the customer to count coins and / or provide various products and services. In particular modalities, kiosks can provide the customer with the ability to review and select various options to use the value of the coins in other ways. Another modality provides the ability for the user to enter a web network to share and compare their experiences at the kiosk with others.
Dentro de las características semejantes al sistema de la invención se encuentran: el dispositivo receptor de divisas, la conexión en red de varios de estos aparatos por medio de tecnologías inalámbricas o internet, el tener un depósito de seguridad para las monedas, utilizar elementos electrónicos que operan el aparto, como el computador que realiza operaciones financieras en red. Among the characteristics similar to the system of the invention are: the currency receiving device, the network connection of several of these devices by means of wireless or internet technologies, having a security deposit for coins, using electronic elements that They operate the device, such as the computer that performs network financial operations.
A pesar de lo anterior, las diferencias con el sistema de la invención incluyen que el dispositivo pueda conectarse con una central bancaria e interactúe con una cuenta de un usuario y que las funcionalidades puedan darse a través de una aplicación web y/o móvil. Adicionalmente no se hace mención a específicamente a métodos de autenticación biométricos o inalámbricos. El documento tampoco referencia la capacidad de transformar el dinero depositado en dinero electrónico y abonarlo a una cuenta bancaria válida de manera instantánea. Despite the foregoing, the differences with the system of the invention include that the device can connect to a bank exchange and interact with a user's account and that the functionalities can occur through a web and / or mobile application. Additionally there is no mention of specifically biometric or wireless authentication methods. The document also does not reference the ability to convert money deposited into electronic money and pay it to a valid bank account instantly.
La presente invención supera a lo planteado en el documento US20130161153 ya que está específicamente diseñada para usar métodos biométricos y/o inalámbricos para la autenticación, los cuales se destacan por su velocidad, conf labilidad, seguridad y superioridad frente a métodos más tradicionales. Por otro lado, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Otra funcionalidad superior es la capacidad del presente invento de conectarse con el sistema financiero directamente para transformar el dinero físico en dinero electrónico instantáneamente, la cual el documento citado carece. Por último, no se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. The present invention exceeds what is stated in document US20130161153 since it is specifically designed to use biometric and / or wireless methods for authentication, which stand out for their speed, reliability, security and superiority over more traditional methods. On the other hand, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks. Finally, user interaction with the invention is not encouraged through game mechanics.
El sistema enseñado en otro documento de solicitud WO 2013/101959 titulado "Coin Counting Machines Having Cou on Capabilities, Loyalty Program Capabilities, Advertising Capabilities, and the Like" provee un método para entregar cupones, que incluye recibir monedas de un cliente en un contador para determinar su valor. El método además provee un cupón para el cliente que es redimible por efectivo o mercancía. El método incluye proveer cupones para el cliente basados en parte en las compras principales e información asociada al cliente. Este desarrollo es cercano a la invención debido a que enseña un método basado en computación que provee cupones a clientes en conjunción con una transacción de conteo de monedas automática. Sin embargo, no enseña que la cuenta del cliente interactúa con una base de datos relacionada a una cuenta bancaria del usuario y que sea posible efectuar transacciones personalizadas del cliente mediante aplicaciones de dispositivos móviles. También se diferencian en que el documento citado no menciona autenticación biométrica y/o inalámbrica. El documento tampoco referencia la capacidad de transformar el dinero depositado en dinero electrónico y abonarlo a una cuenta bancaria válida de manera instantánea. The system taught in another application document WO 2013/101959 entitled "Coin Counting Machines Having Cou on Capabilities, Loyalty Program Capabilities, Advertising Capabilities, and the Like" provides a method of delivering coupons, which includes receiving coins from a customer at a counter to determine its value. The method also provides a coupon for the customer that is redeemable for cash or merchandise. The method includes providing coupons for the customer based in part on the main purchases and information associated with the customer. This development is close to the invention because it teaches a computer-based method that provides coupons to customers in conjunction with an automatic coin counting transaction. However, it does not teach that the customer's account interacts with a database related to a user's bank account and that it is possible to make personalized customer transactions through mobile device applications. They also differ in that the cited document does not mention biometric and / or wireless authentication. The document also does not reference the ability to convert money deposited into electronic money and pay it to a valid bank account instantly.
La presente invención supera a lo planteado en el documento WO 2013/101959 ya que está específicamente diseñada para usar métodos biométricos y/o inalámbricos para la autenticación, los cuales se destacan por su velocidad, confiabilidad, seguridad y superioridad frente a métodos más tradicionales. Por otro lado, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Otra funcionalidad superior es la capacidad del presente invento de conectarse con el sistema financiero directamente para transformar el dinero físico en dinero electrónico instantáneamente, la cual el documento citado carece. Por último, no se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. La invención con número de publicación internacional WO95/30215 A1 de titulado "CouponA/oucher Dispensing Machine and Method" enseña un aparato de monedas y un método para operarlo, el cual dispensa automáticamente cupones de efectivo basados en el valor del conteo de monedas, cupones de fabricantes y cupones de tiendas. Las monedas son ubicadas en una bandeja tolva en ángulo horizontal. Cuando la bandeja deja caer las monedas, estas caen a través de la tolva para el conteo y la disposición de cada moneda en el sitio que le corresponde. El valor de las monedas y el número de monedas de cada denominación se muestran y las monedas son contadas. El usuario es informado con el vouchery una serie de cupones. The present invention exceeds what is stated in WO 2013/101959 since it is specifically designed to use biometric and / or wireless methods for authentication, which stand out for their speed, reliability, security and superiority over more traditional methods. On the other hand, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks. Finally, user interaction with the invention is not encouraged through game mechanics. The invention with international publication number WO95 / 30215 A1 entitled "CouponA / oucher Dispensing Machine and Method" teaches a coin apparatus and a method of operating it, which automatically dispenses cash coupons based on the value of coin counting, coupons from manufacturers and store coupons. The coins are placed in a horizontal angle hopper tray. When the tray drops the coins, they fall through the hopper for counting and arranging each coin in its proper place. The value of the coins and the number of coins of each denomination are shown and the coins are counted. The user is informed with the voucher and a series of coupons.
Este documento WO95/30215 A1 enseña un aparato cercano a la invención, el cual tiene características semejantes, como son: el dispositivo de conteo de monedas, el tener un depósito de seguridad para las monedas, utilizar elementos electrónicos que operan el aparato, como el computador que realiza operaciones de cambio de efectivo o cupones, dependiendo el cliente. This document WO95 / 30215 A1 teaches an apparatus close to the invention, which has similar characteristics, such as: the coin counting device, having a security deposit for the coins, using electronic elements that operate the device, such as computer that performs cash or coupon exchange operations, depending on the client.
Sin embargo, no se revela en el documento WO95/30215 A1 que el dispositivo contabilice la cantidad de monedas, su valor, ni su denominación. Tampoco propone un sistema de autenticación para el usuario, no crea una sesión específicamente tomando en cuenta preferencias de cada usuario individualmente. El invento citado también carece de interacción con una red o con Internet, es decir que se trata de una unidad aislada que no se conecta con una base de datos remota ni con una aplicación web y/o móvil. Tampoco enseña la patente que el dispositivo puede conectarse con una entidad financiera ni es capaz de interactuar con o crear una cuenta bancaria válida dentro del sistema financiero de un área geográfica específica. However, it is not disclosed in WO95 / 30215 A1 that the device counts the amount of coins, their value, or their denomination. Nor does it propose an authentication system for the user, it does not create a session specifically taking into account preferences of each user individually. The aforementioned invention also lacks interaction with a network or with the Internet, that is, it is an isolated unit that does not connect to a remote database or to a web and / or mobile application. Nor does the patent teach that the device can connect to an entity Financial is not able to interact with or create a valid bank account within the financial system of a specific geographic area.
La presente invención supera a lo planteado en el documento WO95/30215 A1 gracias a sus métodos de autenticación biométricos y/o inalámbricos. Por otro lado, cada terminal derivado del documento citado no hace parte de una red intercomunicada; al contrario, cada terminal es independiente. Otra funcionalidad superior es la capacidad del presente invento de conectarse con el sistema financiero directamente para transformar el dinero físico en dinero electrónico instantáneamente, la cual el documento citado carece. Adicionalmente, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Por último, no se hace ningún tipo de captura de datos ni se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. The present invention exceeds what is stated in WO95 / 30215 A1 thanks to its biometric and / or wireless authentication methods. On the other hand, each terminal derived from the cited document is not part of an intercommunicated network; On the contrary, each terminal is independent. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks. Additionally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics.
La solicitud de patente europea EP 2525281 A1 titulada "Methods and system for exchanging and/or transferring various forms of valué", por su parte enseña métodos y sistemas para intercambiar formas de valor, incluyendo monedas, cambio, crédito, débito y/o fondos de la cuenta bancaria para tarjetas prepagadas, tarjetas de crédito, tarjetas de llamada y similares. En otras modalidades, la máquina de valores intercambiables incluye una región para introducir monedas donde se realiza la clasificación y conteo de monedas, una tarjeta de lectura y un sitio de comunicaciones configurado para comunicarse con una red computarizada remota. En otra modalidad, el sistema de valores incluye una o más maquinas conectadas a uno o más computadores vía link. Un usuario que desee comprar por ejemplo una tarjeta prepagada puede visitar otra máquina, seleccionar la transacción deseada y pagar por las tarjetas con monedas, efectivo, tarjetas, tarjeta débito y/o fondos de cuenta bancaria. Posterior a la confirmación del pago, la máquina dispensa la tarjeta al usuario. European patent application EP 2525281 A1 entitled "Methods and system for exchanging and / or transferring various forms of valué", for its part teaches methods and systems to exchange forms of value, including currencies, exchange, credit, debit and / or funds of the bank account for prepaid cards, credit cards, calling cards and the like. In other embodiments, the exchangeable value machine includes a region for entering coins where coin classification and counting is performed, a reading card and a communications site configured to communicate with a remote computerized network. In another mode, The value system includes one or more machines connected to one or more computers via link. A user who wishes to buy for example a prepaid card can visit another machine, select the desired transaction and pay for the cards with coins, cash, cards, debit card and / or bank account funds. After payment confirmation, the machine dispenses the card to the user.
El documento EP 2525281 A1 enseña un método implementado por computador para transferir fondos de un primer usuario a un segundo usuario, que comprende un quiosco con una interfaz de usuario y un lugar donde introducir los fondos, recibir los fondos del usuario y un medio de respuesta que provee al usuario de medios para obtener un servicio de internet con un computador separado del quiosco. El sistema enseñado es cercano a la invención debido a que tiene un elemento físico que almacena y contabiliza el dinero almacenado, que estando en comunicación con una cuenta bancaria y puede efectuar transacciones para obtener diferentes productos a partir de monedas. EP 2525281 A1 teaches a method implemented by computer to transfer funds from a first user to a second user, comprising a kiosk with a user interface and a place to enter funds, receive user funds and a means of response which provides the user with means to obtain an internet service with a computer separate from the kiosk. The system taught is close to the invention because it has a physical element that stores and counts the money stored, which is in communication with a bank account and can carry out transactions to obtain different products from currencies.
Las enseñanzas de este documento no plantean soluciones para la autenticación específicamente a través de métodos biométricos o inalámbricos. Tampoco hay mención de la posibilidad de interactuar con el invento a través de una aplicación web y/o móvil sin tener que estar físicamente cerca de un quisco. Por otra parte, la invención también puede diferir del estado de la técnica al revelar métodos y transacciones diferentes a los divulgados y realizados mediante las aplicaciones móviles. The teachings of this document do not propose solutions for authentication specifically through biometric or wireless methods. There is also no mention of the possibility of interacting with the invention through a web and / or mobile application without having to be physically close to a quisco. On the other hand, the invention may also differ from the state of the art by revealing methods and transactions other than those disclosed and made through mobile applications.
Por otro lado, la presente invención supera a lo planteado en el documento EP 2525281 A1 ya que gracias a sus métodos de autenticación biométricos y/o inalámbricos el proceso de depositar dinero es mucho más rápido. Por otro lado, cada terminal derivado del documento citado no hace parte de una red intercomunicada; al contrario, cada terminal es independiente. Adicionalmente, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Por último, no se hace ningún tipo de captura de datos ni se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. On the other hand, the present invention exceeds what is stated in EP 2525281 A1 since, thanks to its biometric and / or wireless authentication methods, the process of depositing money is much faster. On the other hand, each terminal derived from the cited document is not part of an intercommunicated network; On the contrary, each terminal is independent. Additionally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics.
Por último, se ha revisado la descripción del desarrollo comercial "Travelers Box" (http://www.TravelersBox.com) el cual enseña de forma similar a la invención una cabina o quiosco para intercambiar formas de valor como monedas por tarjetas PayPal, postales, tarjetas de regalo o donaciones y similares. La máquina solicita el correo electrónico de la persona para autenticar la compra. Finally, the description of the commercial development "Travelers Box" (http://www.TravelersBox.com) which teaches a booth or kiosk to exchange forms of value such as currencies for PayPal cards, has been revised, Postcards, gift cards or donations and the like. The machine requests the person's email to authenticate the purchase.
En la página web http://www.travelersbox.com/ se enseña un método para transferir monedas en aeropuertos hacia regalos, servicios digitales como Skype o PayPal, y/o donaciones. El sistema es cercano a la invención debido a que tiene un elemento físico que almacena y contabiliza el dinero almacenado, puede efectuar transacciones para obtener diferentes productos a partir de monedas y la autenticación se da por vía digital. On the website http://www.travelersbox.com/ a method to transfer coins in airports to gifts, digital services such as Skype or PayPal, and / or donations is taught. The system is close to the invention because it has a physical element. that stores and counts the money stored, it can carry out transactions to obtain different products from currencies and the authentication is given digitally.
Con relación al Traveler Box, la invención incluye elementos de autenticación, específicamente a través de métodos biométricos o inalámbricos y permite la interacción con el dispositivo a través de una aplicación web y/o móvil sin tener que estar físicamente cerca de un quiosco. In relation to the Traveler Box, the invention includes authentication elements, specifically through biometric or wireless methods and allows interaction with the device through a web and / or mobile application without having to be physically close to a kiosk.
La presente invención supera a lo planteado en la página web http://www.travelersbox.com ya que gracias a sus métodos de autenticación biométricos y/o inalámbricos el proceso de depositar dinero es mucho más rápido. Adicionalmente, el documento no revela la posibilidad de disponer del dinero a través de una aplicación web y/o móvil como guste el usuario, es decir que el documento citado no propone funcionar como billetera digital, cosa que el presente invento sí hace. Otra funcionalidad superior es la capacidad del presente invento de conectarse con el sistema financiero directamente para transformar el dinero físico en dinero electrónico instantáneamente, la cual el documento citado carece. Por último, no se hace ningún tipo de captura de datos ni se impulsa la interacción de los usuarios con el invento a través de mecánicas de juego. DESCRIPCIÓN DE LA INVENCIÓN The present invention surpasses what is stated on the website http://www.travelersbox.com since, thanks to its biometric and / or wireless authentication methods, the process of depositing money is much faster. Additionally, the document does not reveal the possibility of having the money through a web and / or mobile application as the user likes, that is to say that the aforementioned document does not propose to function as a digital wallet, which the present invention does. Another superior functionality is the ability of the present invention to connect with the financial system directly to transform physical money into electronic money instantly, which the cited document lacks. Finally, no type of data capture is made nor the interaction of users with the invention is promoted through game mechanics. DESCRIPTION OF THE INVENTION
Las monedas han sido la representación física de un valor en dinero desde los principios de la civilización, pero la forma en que son utilizadas ha cambiado muy poco en esos miles de años que han pasado y por lo tanto la mayoría de los problemas inherentes a este tipo de dinero persisten. Coins have been the physical representation of a value in money since the beginning of civilization, but the way they are used has changed very little in those thousands of years that have passed and therefore most of the problems inherent in this Type of money persist.
La presente invención resuelve cuatro problemas técnicos: The present invention solves four technical problems:
• Reduce los costos de recolección, producción y circulación de monedas en economías locales y nacionales al crear una red de alcancías inteligentes que permiten el ahorro seguro y electrónico de monedas en una multitud de locaciones físicas vía una conexión a un servidor remoto y seguro. • Reduces the costs of collecting, producing and circulating coins in local and national economies by creating a network of smart piggy banks that allow the safe and electronic saving of coins in a multitude of physical locations via a connection to a remote and secure server.
• Transforma las monedas físicas en dinero electrónico válido en todas las entidades del sistema financiero local, nacional e internacional, establecimientos de comercio y en general cualquier lugar donde el dinero electrónico pueda ser utilizado.  • Transforms physical currencies into valid electronic money in all entities of the local, national and international financial system, commercial establishments and in general any place where electronic money can be used.
• Utiliza aplicaciones web y/o móviles únicas y exclusivas a este sistema para la fácil consulta e autenticación de sus usuarios.  • Use unique and exclusive web and / or mobile applications to this system for easy consultation and authentication of its users.
• Recolecta información del usuario y sus comportamientos que puede ser fácilmente usada y consultada para diversos fines. BREVE DESCRIPCIÓN DE LAS FIGURAS • Collect user information and behaviors that can be easily used and consulted for various purposes. BRIEF DESCRIPTION OF THE FIGURES
Figura 1. Enseña una vista en perspectiva de la red de receptores inteligentes y especializados de monedas ("RIEM" por su sigla en español). Figure 1. Shows a perspective view of the network of intelligent and specialized coin receivers ("RIEM" for its acronym in Spanish).
Figura 2. Componentes básicos de un RIEM, vista frontal. Figure 2. Basic components of a RIEM, front view.
Figura 3. Componentes básicos de un RIEM, vista lateral. Figure 3. Basic components of a RIEM, side view.
Figura 4. Ilustra la interacción del usuario con el dispositivo de monedas. Figure 4. Illustrates the user's interaction with the coin device.
Figura 5. Ilustra la interacción del usuario durante la autenticación en punto con lector NFC/RFID. Figure 5. Illustrates user interaction during point authentication with NFC / RFID reader.
Figura 6. Ilustra la interacción del usuario durante la autenticación en punto con escáner biométrico de huella dactilar. Figure 6. Illustrates user interaction during point authentication with a biometric fingerprint scanner.
Figura 7. Ilustra la interacción del usuario durante la autenticación en punto con escáner biométrico de la retina ocular. Figure 7. Illustrates user interaction during point authentication with biometric scanner of the eye retina.
Figura 8. Ilustración del proceso computacional y de comunicaciones llevado a cabo por los diferentes componentes del invento. DESCRIPCIÓN DETALLADA DE LA INVENCIÓN Figure 8. Illustration of the computational and communications process carried out by the different components of the invention. DETAILED DESCRIPTION OF THE INVENTION
La presente invención revela un sistema integrado de hardware y software, gestionado en red mediante aplicaciones digitales propias, el cual permite la recolección, procesamiento, reporte, depósito digital, conversión a dinero electrónico y uso final de las monedas metálicas que habitualmente se desechan o guardan sin gastarse debido a su peso o baja denominación. The present invention reveals an integrated hardware and software system, managed in a network through its own digital applications, which allows the collection, processing, reporting, digital deposit, conversion to electronic money and final use of metal coins that are usually discarded or stored. without spending due to its weight or low denomination.
Previa autenticación de sus usuarios a través de tecnologías inalámbricas y/o biométricas, el sistema permite el depósito de monedas en cualquiera de los varios receptores inteligentes y especializados de monedas que lo integran, los cuales validan y verifican el dinero físico depositado y lo transforman en dinero electrónico para que el usuario pueda, a través de aplicaciones web y móviles, disponer de sus saldos disponibles. Prior authentication of its users through wireless and / or biometric technologies, the system allows the deposit of coins in any of the several intelligent and specialized receivers of currencies that integrate it, which validate and verify the physical money deposited and transform it into electronic money so that the user can, through web and mobile applications, have their balances available.
Para una mejor comprensión de la materia reivindicada, se incluyen las siguientes definiciones: For a better understanding of the claimed subject matter, the following definitions are included:
SMDM: el Sistema Microfinanciero Digital De Monedas (también denominado indistintamente "SMDM"), es una herramienta basada en hardware y software propietarios, que permite a sus usuarios depositar monedas tradicionales y legalmente válidas en cualquier parte de una red de Receptores Inteligentes y Especializados de Monedas (en adelante denominado aquí, también, como "RIEM"#). Dicha red es desplegada en un área geográfica específica. SMDM: the Digital Microfinance System of Coins (also known interchangeably as "SMDM"), is a proprietary hardware and software based tool that allows its users to deposit traditional and legally valid currencies anywhere in a network of Smart and Specialized Receivers of Coins (hereinafter referred to as "RIEM"#). This network is deployed in a specific geographical area.
RIEM: el Receptor Inteligente y Especializado de Monedas (RIEM) para la recolección de monedas de curso legal en un territorio determinado, es un conjunto integrado de hardware, software y sistemas de autenticación, conformado por dos módulos interconectados entre sí. El primero de ellos, llamado módulo receptor, se caracteriza porque le permite a los usuarios del SMDM autenticarse mediante tecnologías inalámbricas o biométricas incorporadas, recibe, cuenta, procesa, rechaza o acepta las monedas a través de un receptor-contador y luego transmite por internet, línea telefónica u otro medio de transmisión de datos idónea, a una base de datos alojada en un servidor seguro, toda la información referida al depósito realizado, incluyendo pero sin limitarse al lugar de la operación, cantidad total depositada, cantidad de cada denominación de moneda depositada, cantidad de monedas rechazadas o falsas y duración de la sesión de depósito, entre otros datos, permitiendo que el valor del depósito se sume instantáneamente al saldo de la cuenta personal del usuario que lo realizó, convirtiendo monedas físicas en dinero electrónico disponible para el usuario en tiempo real. RIEM: the Intelligent and Specialized Receiver of Currencies (RIEM) for the collection of legal tender in a given territory, is an integrated set of hardware, software and authentication systems, consisting of two interconnected modules. The first one, called the receiver module, is characterized in that it allows SMDM users to authenticate through built-in wireless or biometric technologies, receives, counts, processes, rejects or accepts coins through a receiver-counter and then transmits over the internet , telephone line or other suitable means of data transmission, to a database hosted on a secure server, all information referring to the deposit made, including but not limited to the place of operation, total amount deposited, amount of each denomination of deposited currency, amount of rejected or false coins and duration of the deposit session, among other data, allowing the value of the deposit to be added instantly to the balance of the personal account of the user who made it, converting physical currencies into electronic money available for The user in real time.
Los usuarios del Sistema de Microfinanciero Digital de Monedas (SMDM) se conectan con un RIEM en particular a través de una conexión segura y autenticada que se establece vía tecnologías inalámbricas y/o biométricas, incluyendo, pero sin limitarse a, Comunicación por Campo Cercano (NFC por su sigla en inglés) y/o Identificación por Campo Radial (RFID por su sigla en inglés), así como lectura de huella dactilar o retina ocular. Users of the Digital Currency Microfinance System (SMDM) connect to a particular RIEM through a secure and authenticated connection that is established via wireless and / or biometric technologies, including, but not limited to, Near Field Communication ( NFC for its acronym in English) and / or Identification by Radial Field (RFID), as well as fingerprint or eye retina reading.
Una vez el usuario está conectado y autenticado vía una de las tecnologías mencionadas, este deposita sus monedas (x) en la ranura para inserción de moneda (3), las cuales son aceptadas y contadas por el módulo receptor (1) y almacenadas en su módulo de caja de seguridad (2). El módulo receptor de monedas (1) instantáneamente se conecta con una base de datos almacenada en un servidor seguro y remoto, donde el valor del depósito se suma al saldo de la cuenta personal del usuario que lo realizó. La base de datos almacena toda la información asociada con el depósito, incluyendo, pero sin limitarse a: ubicación, cantidad total depositada, cantidad de cada denominación de moneda depositada, cantidad de monedas rechazadas o falsas, duración de la sesión de depósito, y otros datos. El resultado de esto es que el SMDM transforma de manera casi inmediata a las monedas físicas en dinero electrónico. Once the user is connected and authenticated via one of the mentioned technologies, he deposits his coins (x) in the coin insertion slot (3), which are accepted and counted by the receiving module (1) and stored in his safety box module (2). The coin receiver module (1) instantly connects to a database stored on a secure and remote server, where the value of the deposit is added to the balance of the personal account of the user who made it. The database stores all the information associated with the deposit, including, but not limited to: location, total amount deposited, amount of each denomination of currency deposited, amount of coins rejected or false, duration of the deposit session, and others data. The result of this is that the SMDM almost immediately transforms physical currencies into electronic money.
Las monedas físicas son almacenadas en el segundo módulo, llamado de caja de seguridad, que se caracteriza porque permite almacenar las monedas depositadas con seguridad y luego retirarlas con facilidad sin necesidad de reemplazar el módulo receptor. The physical coins are stored in the second module, called a safe deposit box, which is characterized in that it allows you to store the deposited coins safely and then easily remove them without the need to replace the receiving module.
El usuario puede interactuar con el dinero ahorrado a través de una aplicación móvil y/o una aplicación web, las cuales le permiten ahorrarlo, transferirlo a otros usuarios del SMDM, adquirir bienes y/o servicios, transferir a cuentas bancarias tradicionales, y donar a fundaciones, entre otras posibilidades financieras típicas de una billetera digital. Adicionalmente, las aplicaciones web y móviles tienen mecánicas de juego diseñadas específicamente para divertir y recompensar al usuario, de tal manera que maximiza el número de veces que el usuario interactúa con el SMDM y esto le permite al sistema capturar datos personales y del comportamiento financiero de cada usuario. The user can interact with the money saved through a mobile application and / or a web application, which allow him to save it, transfer it to other users of the SMDM, purchase goods and / or services, transfer to traditional bank accounts, and donate to foundations, among other financial possibilities typical of a digital wallet. Additionally, web and mobile applications have game mechanics specifically designed to entertain and reward the user, in such a way that it maximizes the number of times the user interacts with the SMDM and this allows the system to capture personal and financial behavior data from each user
En cuanto a su forma de uso, los usuarios del SMDM se conectan con un RIEM en particular a través de una conexión segura y autenticada que se establece vía tecnologías inalámbricas y/o biométricas, incluyendo, pero sin limitarse a, Comunicación por Campo Cercano (NFC por su sigla en inglés) y/o Identificación por Campo Radial (RFID por su sigla en inglés), así como lectura de huella dactilar o retina ocular. In terms of its use, SMDM users connect to a particular RIEM through a secure and authenticated connection established via wireless and / or biometric technologies, including, but not limited to, Near Field Communication ( NFC for its acronym in English) and / or Radial Field Identification (RFID), as well as fingerprint or eye retina reading.
Una vez el usuario está conectado y autenticado vía una de las tecnologías mencionadas, este deposita sus monedas en la ranura para inserción de moneda (3), las cuales son aceptadas y contadas por el módulo receptor (1 ) y almacenadas en su módulo de caja de seguridad (2). El módulo receptor de monedas (1) instantáneamente se conecta con una base de datos almacenada en un servidor seguro y remoto, donde el valor del depósito se suma al saldo de la cuenta personal del usuario que lo realizó. La base de datos almacena toda la información asociada con el depósito, incluyendo, pero sin limitarse a: ubicación, cantidad total depositada, cantidad de cada denominación de moneda depositada, cantidad de monedas rechazadas o falsas, duración de la sesión de depósito, y otros datos. El resultado de esto es que el SMDM transforma de manera casi inmediata a las monedas físicas en dinero electrónico. Once the user is connected and authenticated via one of the mentioned technologies, he deposits his coins in the coin insertion slot (3), which are accepted and counted by the receiving module (1) and stored in his cash register module safety (2). The coin receiver module (1) instantly connects to a database stored on a secure and remote server, where the value of the deposit is added to the balance of the personal account of the user who made it. The database stores all information associated with the deposit, including, but not limited to: location, total amount deposited, amount of each denomination of currency deposited, amount of coins rejected or false, duration of the deposit session, and other data. The result of this is that the SMDM almost immediately transforms physical currencies into electronic money.
Las monedas físicas son almacenadas en el segundo módulo (2) o caja de seguridad, que se caracteriza porque permite almacenar las monedas depositadas con seguridad y luego retirarlas con facilidad sin necesidad de reemplazar el módulo receptor (1). The physical coins are stored in the second module (2) or safe deposit box, which is characterized in that it allows the deposited coins to be stored safely and then easily removed without the need to replace the receiving module (1).
El usuario puede interactuar con el dinero ahorrado a través de una aplicación móvil y/o una aplicación web, las cuales le permiten ahorrarlo, transferirlo a otros usuarios del SMDM, adquirir bienes y/o servicios, transferir a cuentas bancarias tradicionales, y donar a fundaciones, entre otras posibilidades financieras típicas de una billetera digital. Adicionalmente, las aplicaciones web y móviles tienen mecánicas de juego diseñadas específicamente para divertir y recompensar al usuario, de tal manera que maximiza el número de veces que el usuario interactúa con el SMDM y esto le permite al sistema capturar datos personales y del comportamiento financiero de cada usuario. The user can interact with the money saved through a mobile application and / or a web application, which allow him to save it, transfer it to other SMDM users, acquire goods and / or services, transfer to traditional bank accounts, and donate to foundations, among other financial possibilities typical of a digital wallet. Additionally, web and mobile applications have game mechanics specifically designed to entertain and reward the user, in such a way that it maximizes the number of times the user interacts with the SMDM and this allows the system to capture personal and financial behavior data from each user
De esta manera, el sistema se caracteriza por comprender un Receptor Inteligente y Especializado de Monedas ("RIEM") que hace parte de una red de receptores ubicada en un área geográfica determinada; un sistema de autenticación basado en biometría o en tecnologías de comunicación inalámbricas o contactless; un software propietario para la administración y disposición del dinero gestionado, conectado a una base de datos remota y un software propietario para la captura y gestión de datos personales y de comportamiento financiero de los usuarios, conectado a una base de datos remota. Más preferentemente el sistema y equipo para gestión de monedas está conformado por un módulo para la recepción y procesamiento de monedas, que comprende: un módulo receptor con diseño ornamental de una alcancía en forma de un animal, de preferencia en forma de marrano, sentado o parecido, como se muestra y describe (1), una carcasa principal o caja de seguridad (2) con puerta de servicio delantera, una ranura para inserción de moneda (3), una pantalla sensible al tacto (4), un punto de autenticación (puede variar el método de autenticación), de preferencia es un lector de NFC/RFID, más preferentemente, un escáner biométrico de huella dactilar, más preferentemente, un escáner biométrico de la Retina Ocular (5), un compartimiento de devolución de Monedas (6), un candado (7), un sistema anti pin (proporciona bloqueo de entrada de monedas) (8), un aceptador de Monedas Electrónico (multi-moneda) (9), un sistema de plica (proporciona una solución para el almacenamiento de la moneda pre-transacción) (10), una antena magnética (proporciona amplificación para redes inalámbricas y móviles) (1 1), un acoplador RJ45 (12), un roi/fen'nalámbrico 3G/4G (13), un computador (14), un acoplador para cable de alimentación de poder (15) In this way, the system is characterized by comprising an Intelligent and Specialized Receiver of Currencies ("RIEM") that is part of a network of receivers located in a specific geographical area; an authentication system based on biometrics or wireless or contactless communication technologies; proprietary software for the administration and disposal of managed money, connected to a remote database and proprietary software for the capture and management of personal data and financial behavior of users, connected to a remote database. More preferably, the coin management system and equipment is comprised of a module for the reception and processing of coins, comprising: a receiver module with an ornamental design of a piggy bank in the form of an animal, preferably in the form of a pig, sitting or similar, as shown and described (1), a main housing or safety box (2) with front service door, a coin insertion slot (3), a touch-sensitive screen (4), an authentication point (the authentication method may vary), preferably it is an NFC / RFID reader, more preferably, a biometric fingerprint scanner, more preferably, a biometric scanner of the Eye Retina (5), a coin return compartment ( 6), a padlock (7), an anti pin system (provides coin entry lock) (8), an electronic coin acceptor (multi-currency) (9), an escrow system (provides a storage solution pre-transaction currency) (10), a magnetic antenna (provides amplification for wireless and mobile networks) (1 1), a coupler RJ45 (12), a roi / fen 'nalámbrico 3G / 4G (13), a computer (14), a coupler for power supply cable (15)
De forma preferente, el sistema y equipo para gestión de monedas presenta un sistema de autenticación es biométrico y más preferentemente el sistema está basado en comunicación inalámbrica o contactless. Preferably, the coin management system and equipment has an authentication system that is biometric and more preferably the system is based on wireless or contactless communication.
La invención además permite a los usuarios: a. Registrarse en el SDMD The invention also allows users to: to. Register in the SDMD
b. Elegir su(s) método(s) de autenticación b. Choose your authentication method (s)
c. Autenticarse con cualquier RIEM si el dispositivo donde se ejecuta el software es compatible con los RIEM C. Authenticate with any RIEM if the device where the software is running is compatible with the RIEM
d. Interactuar con otros usuarios del invento y con cualquier usuario del sistema financiero d. Interact with other users of the invention and with any user of the financial system
e. Verificar saldos actuales en tiempo real and. Check current balances in real time
f. Disponer de su dinero, incluyendo pero sin limitarse a las siguientes gestiones: F. Have your money, including but not limited to the following steps:
i. Ahorrar  i. Save money
ii. Pagar en comercios  ii. Pay at stores
iii. Transferir fondos  iii. transfer funds
iv. Donar  iv. Donate
g. Acceder a juegos que impulsan el uso del invento de una manera divertida y didáctica. g. Access games that promote the use of the invention in a fun and educational way.
h. Recibir y consultar información sobre todo tipo de oportunidades para aprovechar el invento, por ejemplo, pero sin limitarse a: h. Receive and consult information on all kinds of opportunities to take advantage of the invention, for example, but not limited to:
i. Establecer y monitorear metas financieras  i. Set and monitor financial goals
ii. Saber exactamente dónde hay un RIEM  ii. Know exactly where there is a RIEM
iii. Conocer promociones y beneficios que resultan de usar el invento iv. Consultar ayudas y manuales de uso para el invento Por su parte, el procedimiento de gestión de monedas se caracteriza porque el sistema y equipo empleados ejecutan las siguientes funciones: iii. Know promotions and benefits that result from using the invention iv. Consult help and user manuals for the invention For its part, the coin management procedure is characterized in that the system and equipment used perform the following functions:
a. En tiempo real el SDMD transforma las monedas físicas en dinero  to. In real time the SDMD transforms physical currencies into money
electrónico;  electronic;
b. La información es transmitida por el RIEM a la base de datos segura y  b. The information is transmitted by the RIEM to the secure database and
remota conectada con el sistema financiero;  remote connected to the financial system;
c. Los datos de comportamiento del usuario durante su interacción con el RIEM y con el software mencionado en la reivindicación 6, así como su información personal, son correlacionados por el invento;  C. The user behavior data during their interaction with the RIEM and with the software mentioned in claim 6, as well as their personal information, are correlated by the invention;
d. El SDMD arroja nueva información basada en los datos capturados.  d. The SDMD throws new information based on the captured data.

Claims

CAPÍTULO REIVINDICATORIO REIVINDICATORY CHAPTER
1. Sistema integrado para gestión de monedas, caracterizado por comprender: a) Un Receptor Inteligente y Especializado de Monedas ("RIEM") que hace parte de una red de receptores ubicada en un área geográfica determinada; b) Un sistema de autenticación, biométrico o mediante comunicación inalámbrica o contactless, conectado con el RIEM. 1. Integrated coin management system, characterized by comprising: a) An Intelligent and Specialized Receiver of Coins ("RIEM") that is part of a receiver network located in a specific geographical area; b) An authentication system, biometric or via wireless or contactless communication, connected to the RIEM.
c) Un software propietario en la forma de aplicación Web o móvil para la administración y disposición del dinero depositado, el cual recibe la información obtenida por los componentes a) y b) anteriores, la procesa, y luego la transmite a una base de datos remota.  c) Proprietary software in the form of a Web or mobile application for the administration and disposal of deposited money, which receives the information obtained by components a) and b) above, processes it, and then transmits it to a remote database .
d) Un software propietario para la captura y gestión de datos personales y de comportamiento financiero de los usuarios, el cual recibe la información obtenida por los componentes a), b) y c) anteriores, la procesa, y luego la transmite a una base de datos remota.  d) Proprietary software for the capture and management of personal data and financial behavior of users, which receives the information obtained by components a), b) and c) above, processes it, and then transmits it to a database of remote data
2. Sistema para gestión de monedas como en la reivindicación 1 , caracterizado porque el Receptor Inteligente y Especializado de Monedas a su vez está conformado por: 2. Currency management system as in claim 1, characterized in that the Smart and Specialized Receiver of Currencies in turn is made up of:
a) Un módulo para la recepción y procesamiento de monedas, integrado por:  a) A module for the reception and processing of coins, composed of:
1. Un aceptador de monedas electrónico;  1. An electronic coin acceptor;
2. Un bloqueador de entrada de elementos o monedas no aceptables;  2. An entry blocker of unacceptable items or currencies;
3. Una pantalla sensible al tacto; 3. A touch sensitive screen;
4. Un punto para autenticación, biométrica o mediante tecnología inalámbrica; 4. One point for authentication, biometric or via wireless technology;
5. Un sistema de bloqueo de entrada de objetos o monedas no aceptables; 5. A system for blocking entry of unacceptable objects or coins;
6. Un compartimiento para la devolución de monedas no aceptables; 6. A compartment for the return of unacceptable coins;
7. Un mecanismo de plica para el almacenamiento temporal y la devolución de monedas depositadas, cuyo ingreso definitivo al sistema no sea aceptado por el usuario;  7. An escrow mechanism for temporary storage and return of deposited coins, whose definitive entry into the system is not accepted by the user;
8. Una antena magnética amplificadora para redes inalámbricas y móviles; 8. A magnetic amplifying antenna for wireless and mobile networks;
9. Un acoplador de red; 9. A network coupler;
10. Un Router inalámbrico;  10. A wireless router;
11. Un computador.  11. A computer.
b) Un módulo de caja de seguridad, integrado por:  b) A safety box module, consisting of:
1. Una carcasa principal con puerta de servicio delantera;  1. A main housing with front service door;
2. Uno o varios recipientes de monedas de alta seguridad modulares y removibles:  2. One or more modular and removable high security coin containers:
3. Candados y chapas de seguridad.  3. Padlocks and security plates.
3. Sistema para gestión de monedas como en las reivindicaciones 1 y 2, caracterizado porque el sistema de autenticación es biométrico. 3. Currency management system as in claims 1 and 2, characterized in that the authentication system is biometric.
4. Sistema para gestión de monedas como en las reivindicaciones 1 y 2, caracterizado porque el sistema de autenticación está basado en comunicación inalámbrica o contactless. 4. Currency management system as in claims 1 and 2, characterized in that the authentication system is based on wireless or contactless communication.
5. Sistema para gestión de monedas como en las reivindicaciones 1 a 4, caracterizado porque el software para la administración y disposición del dinero gestionado les permite a los usuarios: 5. Currency management system as in claims 1 to 4, characterized in that the software for the administration and disposal of the money managed allows users to:
a. Registrarse en el SDMD  to. Register in the SDMD
b. Elegir su(s) método(s) de autenticación  b. Choose your authentication method (s)
c. Autenticarse con cualquier RIEM, siempre que el dispositivo donde se ejecuta el software sea compatible con los RIEM  C. Authenticate with any RIEM, provided that the device where the software is running is compatible with the RIEM
d. Interactuar con otros usuarios del invento y con cualquier usuario del sistema financiero  d. Interact with other users of the invention and with any user of the financial system
e. Verificar saldos actuales en tiempo real  and. Check current balances in real time
f. Disponer de su dinero, incluyendo pero sin limitarse a las siguientes gestiones:  F. Have your money, including but not limited to the following steps:
i. Ahorrar  i. Save money
ii. Pagar en comercios  ii. Pay at stores
iii. Transferir fondos  iii. transfer funds
iv. Donar  iv. Donate
g. Acceder a juegos que impulsan el uso del invento de una manera divertida y didáctica.  g. Access games that promote the use of the invention in a fun and educational way.
h. Recibir y consultar información sobre todo tipo de oportunidades para aprovechar el invento, por ejemplo, pero sin limitarse a:  h. Receive and consult information on all kinds of opportunities to take advantage of the invention, for example, but not limited to:
i. Establecer y monitorear metas financieras  i. Set and monitor financial goals
ii. Saber exactamente dónde hay un RIEM iii. Conocer promociones y beneficios que resultan de usar el invento iv. Consultar ayudas y manuales de uso para el invento. ii. Know exactly where there is a RIEM iii. Know promotions and benefits that result from using the invention iv. Consult aids and user manuals for the invention.
6. Sistema para gestión de monedas como en las reivindicaciones 1 a 5, caracterizado por emplear un software para la captura y gestión de datos personales y de comportamiento financiero de los usuarios. 6. System for managing coins as in claims 1 to 5, characterized by using software for the capture and management of personal data and financial behavior of users.
7. Sistema para gestión de monedas como en las reivindicaciones 1 a 6, caracterizado por estar opcionalmente integrado en un diseño ornamental de una alcancía en forma de animal. 7. Coin management system as in claims 1 to 6, characterized in that it is optionally integrated in an ornamental design of an animal-shaped piggy bank.
8. Sistema para gestión de monedas como en las reivindicaciones 1 a 4, caracterizado por hacer parte de una red que permite monitorear cada RIEM de manera remota y que integra la información de cada RIEM individual en un solo software como el mencionado en la reivindicación 5. 8. Currency management system as in claims 1 to 4, characterized by being part of a network that allows each RIEM to be monitored remotely and that integrates the information of each individual RIEM into a single software such as that mentioned in claim 5 .
9. Procedimiento de gestión de monedas, caracterizado por comprender los siguientes pasos: 9. Currency management procedure, characterized by understanding the following steps:
a) Registrarse en el SDMD a través de las aplicaciones web y/o móviles b) Acceder físicamente a un RIEM y registrarse en él mediante el software  a) Register in the SDMD through web and / or mobile applications b) Physically access a RIEM and register in it through the software
revelado en la reivindicación 6;  disclosed in claim 6;
c) Autenticarse a través del método de autenticación elegido en el software mencionado en la reivindicación 6; d) Depositar las monedas; c) Authenticate through the authentication method chosen in the software mentioned in claim 6; d) Deposit the coins;
e) Retirarse y cerrar su sesión;  e) Withdraw and close your session;
10. Procedimiento de gestión de monedas como en la reivindicación 9, caracterizado porque el sistema y equipo ejecutan las siguientes funciones: a. En tiempo real el SDMD transforma las monedas físicas en dinero 10. Currency management procedure as in claim 9, characterized in that the system and equipment perform the following functions: a. In real time the SDMD transforms physical currencies into money
electrónico;  electronic;
b. La información es transmitida por el RIEM a la base de datos segura y  b. The information is transmitted by the RIEM to the secure database and
remota conectada con el sistema financiero, mediante los software  remote connected to the financial system, through software
mencionados en las reivindicaciones 5 y 6;  mentioned in claims 5 and 6;
c. Los datos de comportamiento del usuario durante su interacción con el RIEM y con el software mencionado en la reivindicación 6, así como su  C. The user behavior data during its interaction with the RIEM and with the software mentioned in claim 6, as well as its
información personal, son correlacionados por el invento usando el software mencionado en la reivindicación 7  personal information, are correlated by the invention using the software mentioned in claim 7
d. El SDMD arroja nueva información basada en los datos capturados para realizar las acciones mencionadas en la reivindicación 5.  d. The SDMD provides new information based on the data captured to perform the actions mentioned in claim 5.
PCT/CO2016/000004 2016-04-20 2016-04-20 Digital microfinance system for coins WO2017182012A1 (en)

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