WO2017182012A1 - Système microfinancier numérique de pièces de monnaie - Google Patents

Système microfinancier numérique de pièces de monnaie 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
Authority
WO
WIPO (PCT)
Prior art keywords
coins
money
user
riem
software
Prior art date
Application number
PCT/CO2016/000004
Other languages
English (en)
Spanish (es)
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/fr
Publication of WO2017182012A1 publication Critical patent/WO2017182012A1/fr
Priority to CONC2018/0011175A priority patent/CO2018011175A2/es

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D9/00Counting coins; Handling of coins not provided for in the other groups of this subclass
    • G07D9/04Hand- or motor-driven devices for counting coins
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06MCOUNTING MECHANISMS; COUNTING OF OBJECTS NOT OTHERWISE PROVIDED FOR
    • G06M3/00Counters with additional facilities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F5/00Coin-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)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système intégré de matériel et logiciel, géré en réseau au moyen d'applications numériques propres, ce qui permet la collecte, le traitement, le rapport, le dépôt numérique, la conversion en argent électronique et l'utilisation finale des pièces de monnaie métalliques qui habituellement sont jetées ou sont gardées sans dépenser du fait de leur poids ou faible valeur. Le système intégré d'utilisation finale de pièces de monnaie permet, préalablement à l'authentification sans fil et/ou biométrique de ses utilisateurs, le dépôt et le comptage électronique de pièces de monnaie dans un récepteur ou tirelire intelligente qui valide et rapporte l'argent physique déposé dans une base de données gérée en réseau, laquelle à son tour l'intègre dans le compte de l'utilisateur et le transforme en argent électronique, permettant à celui-ci de disposer de l'argent en temps réel, au moyen d'applications Web et mobiles.
PCT/CO2016/000004 2016-04-20 2016-04-20 Système microfinancier numérique de pièces de monnaie WO2017182012A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CO2016/000004 WO2017182012A1 (fr) 2016-04-20 2016-04-20 Système microfinancier numérique de pièces de monnaie
CONC2018/0011175A CO2018011175A2 (es) 2016-04-20 2018-10-19 Sistema microfinanciero digital de monedas

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CO2016/000004 WO2017182012A1 (fr) 2016-04-20 2016-04-20 Système microfinancier numérique de pièces de monnaie

Publications (1)

Publication Number Publication Date
WO2017182012A1 true WO2017182012A1 (fr) 2017-10-26

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ID=60115713

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Application Number Title Priority Date Filing Date
PCT/CO2016/000004 WO2017182012A1 (fr) 2016-04-20 2016-04-20 Système microfinancier numérique de pièces de monnaie

Country Status (2)

Country Link
CO (1) CO2018011175A2 (fr)
WO (1) WO2017182012A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3076647A1 (fr) * 2018-01-08 2019-07-12 La Poste Dispositif de comptage connecte
CN111696253A (zh) * 2020-06-23 2020-09-22 中国银行股份有限公司 一种点钞方法及装置、以及点钞操作台

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040215477A1 (en) * 2002-12-12 2004-10-28 Martin Douglas A. Methods and systems for providing consumer services including coin-counting and digital image printing
ES2258134T3 (es) * 2002-01-18 2006-08-16 Nokia Corporation Metodo y aparato para el control del acceso de un dispositivo terminal inalambrico en una red de comunicaciones.
WO2008118182A2 (fr) * 2006-08-21 2008-10-02 Carl Raymond Amos Machine automatique universelle de transfert de monnaie instantané, de données et de métaux et de pierre précieux uncle gem v
GB2458387A (en) * 2008-03-21 2009-09-23 Cummins Allison Corp Self-service coin exchange machines and methods for operating coin exchange machines
ES2430738A2 (es) * 2013-02-28 2013-11-21 Jaume BOSCH HUGUET Dispositivo móvil, sistema y método para el pago electrónico
ES2477597T3 (es) * 2010-02-19 2014-07-17 Compagnie Industrielle Et Financière D'ingénierie "Ingenico" Procedimiento de autentificación biométrica, sistema de autentificación y programa correspondiente
TW201528182A (zh) * 2014-01-09 2015-07-16 Li-Chung Lee 自動販賣之電信網路交易方式

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ES2258134T3 (es) * 2002-01-18 2006-08-16 Nokia Corporation Metodo y aparato para el control del acceso de un dispositivo terminal inalambrico en una red de comunicaciones.
US20040215477A1 (en) * 2002-12-12 2004-10-28 Martin Douglas A. Methods and systems for providing consumer services including coin-counting and digital image printing
WO2008118182A2 (fr) * 2006-08-21 2008-10-02 Carl Raymond Amos Machine automatique universelle de transfert de monnaie instantané, de données et de métaux et de pierre précieux uncle gem v
GB2458387A (en) * 2008-03-21 2009-09-23 Cummins Allison Corp Self-service coin exchange machines and methods for operating coin exchange machines
ES2477597T3 (es) * 2010-02-19 2014-07-17 Compagnie Industrielle Et Financière D'ingénierie "Ingenico" Procedimiento de autentificación biométrica, sistema de autentificación y programa correspondiente
ES2430738A2 (es) * 2013-02-28 2013-11-21 Jaume BOSCH HUGUET Dispositivo móvil, sistema y método para el pago electrónico
TW201528182A (zh) * 2014-01-09 2015-07-16 Li-Chung Lee 自動販賣之電信網路交易方式

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3076647A1 (fr) * 2018-01-08 2019-07-12 La Poste Dispositif de comptage connecte
CN111696253A (zh) * 2020-06-23 2020-09-22 中国银行股份有限公司 一种点钞方法及装置、以及点钞操作台

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