WO2024052933A1 - A system and a method for jewels/ precious solid metals/ ornaments/ precious stone's analyzing and loan lending automated teller machine - Google Patents

A system and a method for jewels/ precious solid metals/ ornaments/ precious stone's analyzing and loan lending automated teller machine Download PDF

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Publication number
WO2024052933A1
WO2024052933A1 PCT/IN2023/050837 IN2023050837W WO2024052933A1 WO 2024052933 A1 WO2024052933 A1 WO 2024052933A1 IN 2023050837 W IN2023050837 W IN 2023050837W WO 2024052933 A1 WO2024052933 A1 WO 2024052933A1
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WO
WIPO (PCT)
Prior art keywords
precious
jewels
ornaments
solid metals
analyzing
Prior art date
Application number
PCT/IN2023/050837
Other languages
French (fr)
Inventor
Subramanian RAJALAKSHMI
Rajagopalan VIJAY
Original Assignee
Rajalakshmi Subramanian
Vijay Rajagopalan
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Filing date
Publication date
Application filed by Rajalakshmi Subramanian, Vijay Rajagopalan filed Critical Rajalakshmi Subramanian
Publication of WO2024052933A1 publication Critical patent/WO2024052933A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01N—INVESTIGATING OR ANALYSING MATERIALS BY DETERMINING THEIR CHEMICAL OR PHYSICAL PROPERTIES
    • G01N21/00—Investigating or analysing materials by the use of optical means, i.e. using sub-millimetre waves, infrared, visible or ultraviolet light
    • G01N21/84—Systems specially adapted for particular applications
    • G01N21/87—Investigating jewels
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01N—INVESTIGATING OR ANALYSING MATERIALS BY DETERMINING THEIR CHEMICAL OR PHYSICAL PROPERTIES
    • G01N23/00—Investigating or analysing materials by the use of wave or particle radiation, e.g. X-rays or neutrons, not covered by groups G01N3/00 – G01N17/00, G01N21/00 or G01N22/00
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/06—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by returnable containers, i.e. reverse vending systems in which a user is rewarded for returning a container that serves as a token of value, e.g. bottles

Definitions

  • TITLE A SYSTEM AND A METHOD FOR JEWELS/ PRECIOUS SOLID METALS/ ORNAMENTS/ PRECIOUS STONE’S ANALYZING AND LOAN LENDING AUTOMATED TELLER MACHINE
  • the present invention is related to a system and method of analyzing and loan lending techniques involved in the automated teller machine. Particularly, a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending automated teller machine.
  • ⁇ Ne can see some of the inventions available in the public domain that are all related to the same subject matter as above discussed.
  • “DIGITAL GOLD ASSESSING AND MONEY LENDING MACHINE” is a gold deposit machine that is capable of assessing and estimating gold loans and it is characterized to work with ATM cards and manual usage.
  • a mobile application is used to activate the bank official and gold depositing machine to their available place.
  • the sanctioned loan may dispense as cash or send to the bank account.
  • the machine used for loan lending against the gold shows common knowledge and does not explain in detail how the jewel is safely received, analyzed, storing technique instead it is a mere arrangement of a known ATM for cash collection available in public.
  • a longitudinal sealer for a bag maker-packaging machine is controlled such that when an abnormal condition is detected and the operation of the machine is stopped temporarily and then restarted after the abnormal condition is removed, the mechanism (101 ) for moving the film and the heater (21 ) for heating edge parts of the film to seal them together is deactivated and reactivated, but not both at the same time. Deactivation of the heater (21 ) is delayed after that of the mechanism (101 ) for moving the film and/or reactivation of the movement of the film is delayed after that of the heater such that the film is certain to be longitudinally well sealed despite the interruption of the sealing operation. But this machine cannot be used as a safe packing machine for storing or packing jewels/stones as no indication about the jewel available while packing.
  • a vertical bag-manufacturing and packaging machine includes a feeding unit having an upstream tube portion, an opening/closing mechanism, and a downstream tube portion.
  • the upstream tube portion is configured and arranged to downwardly convey the article.
  • the opening/closing mechanism is disposed on a downstream side of the upstream tube portion with a gap being formed between a downstream end of the upstream tube portion and an upstream end of the opening/closing mechanism, and configured and arranged to selectively open or close to selectively discharge or hold the article discharged by the upstream tube portion.
  • the downstream tube portion is disposed of on a downstream side of the opening/closing mechanism, and configured and arranged to downwardly convey the article discharged by the opening/closing mechanism, the downstream tube portion having an internal diameter that is larger than the internal diameter of the upstream tube portion.
  • FENBO Packaging machine consists of a Simply speaking, the basic working principle of vertical pouch packing machine starts with a large roll of film, forms it into a pouch shape, fills the pouch with the product, and seals the pouch edge, they all in a vertical fashion, that is vertical form fill seal.
  • -vertical pouch packing machine is prepared by loading the appropriate film roll.
  • -a tube is closed at the bottom by clamps creating the bottom of the bag.
  • the analyzer includes a collimator for aiming an x-ray beam toward a desired location on the sample and for determining the size of the spot produced on the sample.
  • the analyzer may include a digital camera oriented toward the portion of the sample that is or would
  • the analyzer 105 be, interrogated by the x-ray spot to facilitate aiming the analyzer.
  • the analyzer may generate a reticule in a displayed image to indicate the portion of the sample that is or would be, illuminated by the x-ray beam.
  • the analyzer may automatically annotate the image of the sample with text or graphics that contain information about the analyzed sample.
  • the image may be stored in the hand-held analyzer or provided for external no storage or display.
  • a hand-held XRF analyzer includes an x-ray source for emitting x-rays through a window to a sample.
  • a detector behind the window is responsive to x-rays irradiated by the sample.
  • a processor is responsive to the detector for analyzing the spectrum of irradiated x-rays and responsive to a pressure sensor for detecting a pressure change inside the controlled volume.
  • the processor is configured to detect if the vacuum or the predetermined purge condition has been compromised.
  • a hand-held, self-contained x-ray fluorescence (XRF) analyzer produces a small x-ray spot on a sample to interrogate the elemental composition of a sample region of millimeter-sized characteristic dimension.
  • the analyzer includes a collimator for aiming an x-ray beam toward a desired location on the sample and for determining the size of the spot produced on the sample.
  • the analyzer may include a digital camera oriented toward the portion of the sample that is or would be, interrogated by the x-ray spot to facilitate aiming the analyzer.
  • the analyzer may generate a reticule in a displayed image to indicate the portion of the sample that is or would be, illuminated by the x-ray beam.
  • the analyzer may automatically annotate the image of the sample with text or graphics that contain information about the analyzed sample.
  • the image may be stored in the hand-held analyzer or provided for external storage or display.
  • the main objective of the invention is to provide an automatic for jewels/ precious solid metals/ornaments/ precious stones analyzing the teller machine to execute for automatically loan lending against received jewels/ precious solid metals/ornaments/ precious stones
  • the other objective of the invention is to provide an automatic for jewels/ precious solid metals/ornaments/ precious stones analyzing the teller machine to execute automatically estimated loan depositing to a user account&withdraw money from the same machine against received jewels/ precious solid metals/ornaments/ precious stones.
  • Yet the other objective of the present invention is to provide an automatic for jewels/ precious solid metals/ornaments/ precious stone packing for automatically storing the received jewels/ precious solid metals/ornaments/ precious stones in a strong box equipped with high-end neodymium magnets in chute doors.
  • Another objective of the present invention is to provide an automatic for printing the user credentials along with jewels/ precious solid metals/ornaments/ precious stone details on the packed jewels/ precious solid metals/ornaments/ precious stones.
  • Yet another objective of the present invention is to automatically analyze by artificial intelligence assistance (Al) the received jewels/ precious solid metals/ornaments/ precious stones by analyzing teller machine to execute automatic loan lending against received jewels/ precious solid metals/ornaments/ precious stones.
  • Another objective of the present invention is to provide a novel method for automatically loan lending against received jewels/ precious solid metals/ornaments/ precious stones.
  • the other objective of the invention is to provide a system that can be capable of being connectable to Adhaar API, CIBIL API, bank servers, and public and private networks for loan lending against the received jewels/ precious solid metals/ornaments/ precious stones.
  • the present invention is to provide a system and method for analyzing and loan lending techniques involved in the automated teller machine.
  • a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending of an automated teller machine.
  • a user is highly authenticated by receiving an electronic card to check or a connection with a bank server or making an electronic connection between the automated teller machine to bank server to use by accepting, UPI QR_CODE, one-time password (OTP), retinal image or fingerprint or in a combination thereof) where the system confirms that the user is a valid or legible user to avail the loan facility from the machine, he/she is given a provision or a tray to place jewels/ precious solid metals/ornaments/ precious stones, thereby an XRF analyzer is activated to begin analyzing jewels/ precious solid metals/ornaments/ precious stones placed to find out the weight, purity quality, and type as estimated data to a microcontroller board thereby microcontroller can send a signal to a printer to
  • the automatic teller machine Upon acceptance of estimated loan value or estimated data, the automatic teller machine dispenses cash or deposits the loan amount estimated directly to the bank account of the user automatically.
  • the proposed system consisting of an XRF analyzer works through Al assistance to analyze the jewels/ precious solid metals/ornaments/ precious stones received on a tray thereby the analyzer captures the genuine type of the jewels/ precious solid metals/ornaments/ precious stone.
  • the other important embodiment in the invention is packing of analyzed jewels/ precious solid metals/ornaments/ precious stones with aluminum foil automatically.
  • the tray used to receive the jewels/ precious solid metals/ornaments/ precious stones can be horizontally or vertically moved and tillable. So the jewels/ precious solid metals/ornaments/ precious stones can be transferred from analyzing portion to the packaging portion.
  • the packaging portion contains aluminum foil to wrap the jewels/ precious solid metals/ornaments/ precious stones and get sealed.
  • the other important embodiment in the invention is to print the user credentials along with the jewels/ precious solid metals/ornaments/ precious stones detail or loan availed data on the pack. Moreover, a QR code can also be printed for future use.
  • the system further assisted to transfer the jewels/ precious solid metals/ornaments/ precious stones package printed can transfer to a safe strong box locker section to securely place the received jewels/ precious solid metals/ornaments/ precious stones.
  • Yet another important embedment of the invention is to provide a network that connects the public sector or private sector database and bank servers to the automated jewel collecting analyzing loan the lending machine for maintenance and future use.
  • Fig 1 illustrates the proposed external view or perspective view of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which a loan availing.
  • Fig 2 illustrates the internal structure of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which loan availing.
  • Fig 3 illustrates a plurality of views of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which loan availing.
  • Fig 4 illustrates the jewel depositing tray or PPE tray where jewels/ precious solid metals/ornaments/ precious stones are placed for analysis.
  • Fig 5 illustrates the proposed packaging and printing section for wrapping or packing the jewels/ precious solid metals/ornaments/ precious stones.
  • Fig 6 illustrates the XRF analyzer section for analyzing jewels/ precious solid metals/ornaments/ precious stones received on the tray shown in Fig 4.
  • Fig 7 and 8 illustrate the welcome message to the user /customer after receiving the electronic card or debit card or credit card for checking the authenticity.
  • Fig 9 illustrates the Al-assisted analysis picture produced by the proposed system while analyzing the jewels/ precious solid metals/ornaments/ precious stones.
  • Fig 10 and 11 illustrate the jewels/ precious solid metals/ornaments/ precious stones data and estimated loan data.
  • Fig 12 illustrates the packed jewels/ precious solid metals/ornaments/ precious stones and printed detail of the user/customer.
  • the present invention is related to a system and method of analyzing and loan lending techniques involved in the automated teller machine. Particularly, a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending automated teller machine.
  • Fig 1 illustrates the proposed external view or perspective view of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones( 64) against which a loan availing.
  • the proposed system consisting of an XRF analyzer (2) works through Al assistance to analyze the jewels/ precious solid metals/ornaments/ precious stones (64) received on a tray (45) thereby the analyzer captures the genuine type of the jewels/ precious solid metals/ornaments/ precious stone (64).
  • Fig 2 illustrates the internal structure of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which loan availing.
  • the other important embodiment of the invention is the packing of analyzed jewels/ precious solid metals/ornaments/ precious stones with aluminum foil (44) automatically.
  • the tray (45) used to receive the jewels/ precious solid metals/ornaments/ precious stones (64) can be horizontally or vertically moved and tillable. So the jewels/ precious solid metals/ornaments/ precious stones can be transferred from analyzing portion (21 ) to the packaging portion (22).
  • Fig 4 illustrates the jewel depositing tray or PPE tray (40) where jewels/ precious solid metals/ornaments/ precious stones are placed for analysis, where the other important embodiment in the invention is packing of analyzed jewels/ precious solid metals/ornaments/ precious stones with aluminum foil (44) automatically.
  • the tray (40) used to receive the jewels/ precious solid metals/ornaments/ precious stones can be horizontally or vertically moved and tillable as the tray further attached with vertical screw rod (41 ) and horizontal screw rod (42).
  • tray (45) vertical and horizontal screw rods (41 and 42) mounted by means of setoff mounting brackets (43) are actuated by a stepper motor So the jewels/ precious solid metals/ornaments/ precious stones can be transferred from analyzing portion/chamber (21 ) to packaging portion (22).
  • the packaging portion contains aluminum foil (44) to wrap the jewels/ precious solid metals/ornaments/ precious stones and get sealed by a sealer (52).
  • the other important embodiment in the invention is to print the user credentials along with the jewels/ precious solid metals/ornaments/ precious stones detail or loan availed data on the pack.
  • a QR code can also be printed for future use.
  • Fig 12 illustrates the packed jewels/ precious solid metals/ornaments/ precious stones and printed detail of the user/customer.
  • Fig 5 illustrates the proposed packaging and printing section for wrapping or packing the jewels/ precious solid metals/ornaments/ precious stones.
  • Fig 6 illustrates the XRF analyzer section (2) for analyzing jewels/ precious solid metals/ornaments/ precious stones (64) received on the tray (45) shown in Fig 4.
  • Al assisted chamber consisting of an XRF analyzer/detector (65) with spectrometer (67) interfacing connected with the microcontroller board(63), a stepper motor (53), a set of vertical screw rods, and horizontal screw rods (41 and 42) with mounting brackets (43).
  • Figs 7 and 8 illustrate the welcome message to the user/customer after receiving the electronic card or debit card or credit card for checking authenticity
  • Fig 9 illustrates the Al-assisted analysis picture produced by the proposed system while analyzing the jewels/ precious solid metals/ornaments/ precious stones.
  • the originality of jewels/ precious solid metals/ornaments/ precious stones can be accessed by the XRF analyzer by checking 16 Different metal standards available around the globe.
  • the XRF analyzer confirms that the received jewels/ precious solid metals/ornaments/ precious stone is original.
  • the communication of the ATM is enabled with public and private sector databases through a cloud network by XFS 3.0 VERSION software integrated with all banking domains.
  • the system proposed for jewels/ precious solid metals/ornaments/ precious stone loan lending machine ensures the safety of jewels/ precious solid metals/ornaments/ precious stone while transferring from one place to another place confirms the protection or structure of the original jewels/ precious solid metals/ornaments/ precious stone without any damage by air-filled aluminum foil to make the jewels safer before it stores in a strong room. 4.
  • the Jewels / Precious Solid metals/Ornaments / precious stone is transferred from jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber to packaging cum printing section via a chute (51 ),
  • packaging cum printing section is having a vertical aluminum foil /PPE roll (44) covering the jewels / Precious Solid metals/Ornaments / precious stones and sealed where the printer (54) prints the user credentials with the estimated loan data and jewels / Precious Solid metals/Ornaments / precious stone’s details
  • the load sensor (47) in the jewels / Precious Solid metals/Ornaments / precious stone’s strong box Locker storage section (10) enables the cash dispensing section (09) to dispense the estimated cash or a signal to the microcontroller sends the signal to the bank server to deposit the cash estimated to the user account
  • the user’s electronic card is authenticated with bank server by obtaining OTP, Qr-Code, thump impression, and retinal image of the user, wherein the said Jewels / Precious Solid metals/Ornaments / precious stone’s tray is movable horizontally, Vertically and tiltable.
  • the said jewels / Precious Solid metals/Ornaments / precious stone’s tray weighs by a load cell having ⁇ 0.1 Omg tolerance.
  • the Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber has the door is transparent and is secured with an electronic lock controlled by the microcontroller board. Where the said transparent door status activates/deactivates the electronic cum printing section. And the user interest input latch is operable within the range of estimation data created by the controller.
  • the package of Jewels / Precious Solid metals/Ornaments / precious stones contains QR codes of user credentials.
  • Another important embodiment in the invention is a method for automatic Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending technique comprising of, -authenticating user account (with approved API network/Cibil/Pan card/Adhaar card) with a bank account by receiving user credentials,
  • Receiving jewels / Precious Solid metals/Ornaments / precious stones by opening a chamber to place, initiating analysis of Jewels / Precious Solid metals/Ornaments / precious stones after closing the chamber, -Analyzing on weight, quality, type, and purity of the jewels / Precious Solid metals/Ornaments / precious stone, -printing estimation of the jewel/precious stone, receiving user interest in the estimation displayed by enabling dial pad and latches, transporting the Jewels / Precious Solid metals/Ornaments / precious stones to the packaging section for packing and printing user credentials on the pack, storing the packed jewel in a strong box Locker storage section within the machine.

Abstract

The present invention is related to a system and method of analyzing and loan lending techniques involved in the automated teller machine. Particularly, a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending automated teller machine (1) having AI assisted XRF analysis section (21, 2), automatic packaging cum printing section (22), jewels/ precious solid metals/ornaments/ precious stones locker section and cash locker with dispensing section (25, 11), where the user can deposit jewels/ precious solid metals/ornaments/ precious stones for getting loan or depositing the loan amount to their bank account as the machine (1) connects pluralities of bank servers and the user are provided with a copy of the jewel record to the customer as electronic messages or SMS, or email, or Whatsapp.

Description

TITLE: A SYSTEM AND A METHOD FOR JEWELS/ PRECIOUS SOLID METALS/ ORNAMENTS/ PRECIOUS STONE’S ANALYZING AND LOAN LENDING AUTOMATED TELLER MACHINE
FIELD OF THE INVENTION
The present invention is related to a system and method of analyzing and loan lending techniques involved in the automated teller machine. Particularly, a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending automated teller machine.
BACKGROUND OF THE INVENTION
When there is a need for urgent money first and for most saviors is gold, during an emergency public will have left no option but to find different places of pawn brokers to pledge the gold for higher interest rates and avail loans. Certain times during night hours in medical emergencies they are left with no options for money which will lead to different other issues.
Banks/gold loan companies’ major revenue generation is through deposits and loans, as per statics gold & silver India’s gold loan market to touch Rs. 4,617 billion by 2022(business line Jan 17th 2020 as per KPMG report), when banks have an option of 24 /7 gold loan lending to public in secured way without having any human intervention interest’s & ROI will be increased. Most banks/gold loan companies don’t have the technology or machine to analyze the purity of gold and also the authenticity of gold loan borrowers which has led to gold loan scams across India state bank of India (sbi), kalam branch, who siphoned off D2.76 crores by fudging documents for pledging gold (the Hindu 17to Nov 2021 ).
SBI Gold Loan Scam: Look-out circular against goldsmith empanelled by bank scam totaling around Rs 4 crore. (Indian Express 29th August 2022) Five Including 2 Bank Officials Held for Rs 2.91 Crore Gold Loan Fraudin Telangana(News 18 01 st Oct 2020)More & More Scam Cases have been found with a Total of More Than 100+ Crores within this decade. This GL-ATM will authenticate the Gold Purity levels, Authenticate the Borrower using MobileUPI Gateways and store the Gold in a secured safely.
\Ne can see some of the inventions available in the public domain that are all related to the same subject matter as above discussed.
In IN201841042925, “DIGITAL GOLD ASSESSING AND MONEY LENDING MACHINE” is a gold deposit machine that is capable of assessing and estimating gold loans and it is characterized to work with ATM cards and manual usage. A mobile application is used to activate the bank official and gold depositing machine to their available place. On accepting the terms and conditions after depositing the gold ornaments the sanctioned loan may dispense as cash or send to the bank account. About this application, the machine used for loan lending against the gold shows common knowledge and does not explain in detail how the jewel is safely received, analyzed, storing technique instead it is a mere arrangement of a known ATM for cash collection available in public.
After the above patent application, we can see some of the available inventions need to be improved or technically advanced to use in a jewel the ATM machine proposed
In EP0759397A1 , A longitudinal sealer for a bag maker-packaging machine is controlled such that when an abnormal condition is detected and the operation of the machine is stopped temporarily and then restarted after the abnormal condition is removed, the mechanism (101 ) for moving the film and the heater (21 ) for heating edge parts of the film to seal them together is deactivated and reactivated, but not both at the same time. Deactivation of the heater (21 ) is delayed after that of the mechanism (101 ) for moving the film and/or reactivation of the movement of the film is delayed after that of the heater such that the film is certain to be longitudinally well sealed despite the interruption of the sealing operation. But this machine cannot be used as a safe packing machine for storing or packing jewels/stones as no indication about the jewel available while packing.
In US 2011/0265432 A1 , where a vertical bag-manufacturing and packaging machine includes a feeding unit having an upstream tube portion, an opening/closing mechanism, and a downstream tube portion. The upstream tube portion is configured and arranged to downwardly convey the article. The opening/closing mechanism is disposed on a downstream side of the upstream tube portion with a gap being formed between a downstream end of the upstream tube portion and an upstream end of the opening/closing mechanism, and configured and arranged to selectively open or close to selectively discharge or hold the article discharged by the upstream tube portion. The downstream tube portion is disposed of on a downstream side of the opening/closing mechanism, and configured and arranged to downwardly convey the article discharged by the opening/closing mechanism, the downstream tube portion having an internal diameter that is larger than the internal diameter of the upstream tube portion.
FENBO Packaging machine consists of a Simply speaking, the basic working principle of vertical pouch packing machine starts with a large roll of film, forms it into a pouch shape, fills the pouch with the product, and seals the pouch edge, they all in a vertical fashion, that is vertical form fill seal.
Working principle of tube type vertical pouch packing machine
-vertical pouch packing machine is prepared by loading the appropriate film roll.
-film winds through a series of rollers and is shaped into a tube.
-a tube is closed at the bottom by clamps creating the bottom of the bag.
-raw material is dropped into the half-formed bag.
-the bag is sealed at the top.
-seal forms the bottom of the next bag.
-the bottom seal is cut in the middle separating the bag from the next one. Working principle of vffs machines collar types
-a film from a reel made into a tube over forming shoulder.
90 -longitudinal seal made.
-bottom of the tube is closed by heated crimped jaws which move downwards drawing film from the reel.
-predetermined quantity of product falls through the collar into the pouch.
-jaws open and return on top of the stroke.
-jaws partially close and ‘scrape’ product into pouch out of seal area.
-jaws close, crimp heat seal top of previous pouch and bottom of the new one. -crimp sealed container cut off with a knife. lnllS7916834B2, where a hand-held, self-contained x-ray fluorescence (XRF) analyzer
100 is shown. Which produces a small x-ray spot on a sample to interrogate the elemental composition of a sample region of millimeter-sized characteristic dimension. The analyzer includes a collimator for aiming an x-ray beam toward a desired location on the sample and for determining the size of the spot produced on the sample. The analyzer may include a digital camera oriented toward the portion of the sample that is or would
105 be, interrogated by the x-ray spot to facilitate aiming the analyzer. The analyzer may generate a reticule in a displayed image to indicate the portion of the sample that is or would be, illuminated by the x-ray beam. The analyzer may automatically annotate the image of the sample with text or graphics that contain information about the analyzed sample. The image may be stored in the hand-held analyzer or provided for external no storage or display.
In US 7,916,834 B2, where A hand-held XRF analyzer includes an x-ray source for emitting x-rays through a window to a sample. A detector behind the window is responsive to x-rays irradiated by the sample. A controlled volume of the x-ray source
115 and the detector is maintained in a vacuum or a predetermined purge condition for a predetermined amount of time for increasing the sensitivity of the analyzer. A processor is responsive to the detector for analyzing the spectrum of irradiated x-rays and responsive to a pressure sensor for detecting a pressure change inside the controlled volume. The processor is configured to detect if the vacuum or the predetermined purge condition has been compromised.
In US 2011/0142200 A1 , A hand-held, self-contained x-ray fluorescence (XRF) analyzer produces a small x-ray spot on a sample to interrogate the elemental composition of a sample region of millimeter-sized characteristic dimension. The analyzer includes a collimator for aiming an x-ray beam toward a desired location on the sample and for determining the size of the spot produced on the sample. The analyzer may include a digital camera oriented toward the portion of the sample that is or would be, interrogated by the x-ray spot to facilitate aiming the analyzer. The analyzer may generate a reticule in a displayed image to indicate the portion of the sample that is or would be, illuminated by the x-ray beam. The analyzer may automatically annotate the image of the sample with text or graphics that contain information about the analyzed sample. The image may be stored in the hand-held analyzer or provided for external storage or display.
But in the case of an ATM, it is not advisable to use an XRF analyzer hand holding which needs an improvement in the construction to use/to fix inside ATM and some Al (Artificial Intelligence Technique) needs to be incorporated into the conventional XRF to achieve more analyzing method to exhibit precise estimation.
As per the prior art study, we can understand that a Jewel. Stone or Ornament collecting machine needs more technological advancement and more secured engineering embodiments are required to execute an automated loan lending machine. And a novel methodology is required to connect jewel/stone collecting and loan lending machine to be connected with pluralities of Bank servers and databases.
OBJECTIVES OF THE INVENTION
The main objective of the invention is to provide an automatic for jewels/ precious solid metals/ornaments/ precious stones analyzing the teller machine to execute for automatically loan lending against received jewels/ precious solid metals/ornaments/ precious stones
The other objective of the invention is to provide an automatic for jewels/ precious solid metals/ornaments/ precious stones analyzing the teller machine to execute automatically estimated loan depositing to a user account&withdraw money from the same machine against received jewels/ precious solid metals/ornaments/ precious stones.
Yet the other objective of the present invention is to provide an automatic for jewels/ precious solid metals/ornaments/ precious stone packing for automatically storing the received jewels/ precious solid metals/ornaments/ precious stones in a strong box equipped with high-end neodymium magnets in chute doors.
Another objective of the present invention is to provide an automatic for printing the user credentials along with jewels/ precious solid metals/ornaments/ precious stone details on the packed jewels/ precious solid metals/ornaments/ precious stones.
Yet another objective of the present invention is to automatically analyze by artificial intelligence assistance (Al) the received jewels/ precious solid metals/ornaments/ precious stones by analyzing teller machine to execute automatic loan lending against received jewels/ precious solid metals/ornaments/ precious stones. Another objective of the present invention is to provide a novel method for automatically loan lending against received jewels/ precious solid metals/ornaments/ precious stones.
The other objective of the invention is to provide a system that can be capable of being connectable to Adhaar API, CIBIL API, bank servers, and public and private networks for loan lending against the received jewels/ precious solid metals/ornaments/ precious stones.
SUMMARY
The present invention is to provide a system and method for analyzing and loan lending techniques involved in the automated teller machine. Particularly, a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending of an automated teller machine. Wherein a user is highly authenticated by receiving an electronic card to check or a connection with a bank server or making an electronic connection between the automated teller machine to bank server to use by accepting, UPI QR_CODE, one-time password (OTP), retinal image or fingerprint or in a combination thereof) where the system confirms that the user is a valid or legible user to avail the loan facility from the machine, he/she is given a provision or a tray to place jewels/ precious solid metals/ornaments/ precious stones, thereby an XRF analyzer is activated to begin analyzing jewels/ precious solid metals/ornaments/ precious stones placed to find out the weight, purity quality, and type as estimated data to a microcontroller board thereby microcontroller can send a signal to a printer to print the estimated the loan value to be provided as loan for approval from the user/customer.
Upon acceptance of estimated loan value or estimated data, the automatic teller machine dispenses cash or deposits the loan amount estimated directly to the bank account of the user automatically. The proposed system consisting of an XRF analyzer works through Al assistance to analyze the jewels/ precious solid metals/ornaments/ precious stones received on a tray thereby the analyzer captures the genuine type of the jewels/ precious solid metals/ornaments/ precious stone.
Yet the other important embodiment in the invention is packing of analyzed jewels/ precious solid metals/ornaments/ precious stones with aluminum foil automatically. For this, the tray used to receive the jewels/ precious solid metals/ornaments/ precious stones can be horizontally or vertically moved and tillable. So the jewels/ precious solid metals/ornaments/ precious stones can be transferred from analyzing portion to the packaging portion.
The packaging portion contains aluminum foil to wrap the jewels/ precious solid metals/ornaments/ precious stones and get sealed.
The other important embodiment in the invention is to print the user credentials along with the jewels/ precious solid metals/ornaments/ precious stones detail or loan availed data on the pack. Moreover, a QR code can also be printed for future use.
The system further assisted to transfer the jewels/ precious solid metals/ornaments/ precious stones package printed can transfer to a safe strong box locker section to securely place the received jewels/ precious solid metals/ornaments/ precious stones.
Yet another important embedment of the invention is to provide a network that connects the public sector or private sector database and bank servers to the automated jewel collecting analyzing loan the lending machine for maintenance and future use. DETAILED DESCRIPTION OF THE DRAWINGS
Fig 1 illustrates the proposed external view or perspective view of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which a loan availing.
Fig 2 illustrates the internal structure of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which loan availing.
Fig 3 illustrates a plurality of views of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which loan availing.
Fig 4 illustrates the jewel depositing tray or PPE tray where jewels/ precious solid metals/ornaments/ precious stones are placed for analysis.
Fig 5 illustrates the proposed packaging and printing section for wrapping or packing the jewels/ precious solid metals/ornaments/ precious stones.
Fig 6 illustrates the XRF analyzer section for analyzing jewels/ precious solid metals/ornaments/ precious stones received on the tray shown in Fig 4.
Fig 7 and 8 illustrate the welcome message to the user /customer after receiving the electronic card or debit card or credit card for checking the authenticity.
Fig 9 illustrates the Al-assisted analysis picture produced by the proposed system while analyzing the jewels/ precious solid metals/ornaments/ precious stones.
Fig 10 and 11 illustrate the jewels/ precious solid metals/ornaments/ precious stones data and estimated loan data. Fig 12 illustrates the packed jewels/ precious solid metals/ornaments/ precious stones and printed detail of the user/customer.
Figure imgf000011_0001
Figure imgf000012_0001
DETAILED DESCRIPTION OF THE PRESENT INVENTION
The present invention is related to a system and method of analyzing and loan lending techniques involved in the automated teller machine. Particularly, a system for jewels/ precious solid metals/ornaments/ precious stones analyzing and loan lending automated teller machine.
Fig 1 illustrates the proposed external view or perspective view of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones( 64) against which a loan availing. The proposed system consisting of an XRF analyzer (2) works through Al assistance to analyze the jewels/ precious solid metals/ornaments/ precious stones (64) received on a tray (45) thereby the analyzer captures the genuine type of the jewels/ precious solid metals/ornaments/ precious stone (64).
Fig 2 illustrates the internal structure of the system or automated teller machine for depositing jewels/ precious solid metals/ornaments/ precious stones against which loan availing. Where the other important embodiment of the invention is the packing of analyzed jewels/ precious solid metals/ornaments/ precious stones with aluminum foil (44) automatically. For this the tray (45) used to receive the jewels/ precious solid metals/ornaments/ precious stones (64) can be horizontally or vertically moved and tillable. So the jewels/ precious solid metals/ornaments/ precious stones can be transferred from analyzing portion (21 ) to the packaging portion (22).
Fig 4 illustrates the jewel depositing tray or PPE tray (40) where jewels/ precious solid metals/ornaments/ precious stones are placed for analysis, where the other important embodiment in the invention is packing of analyzed jewels/ precious solid metals/ornaments/ precious stones with aluminum foil (44) automatically. For this the tray (40) used to receive the jewels/ precious solid metals/ornaments/ precious stones can be horizontally or vertically moved and tillable as the tray further attached with vertical screw rod (41 ) and horizontal screw rod (42). Here the tray (45) vertical and horizontal screw rods (41 and 42) mounted by means of setoff mounting brackets (43) are actuated by a stepper motor So the jewels/ precious solid metals/ornaments/ precious stones can be transferred from analyzing portion/chamber (21 ) to packaging portion (22).
The packaging portion contains aluminum foil (44) to wrap the jewels/ precious solid metals/ornaments/ precious stones and get sealed by a sealer (52).
The other important embodiment in the invention is to print the user credentials along with the jewels/ precious solid metals/ornaments/ precious stones detail or loan availed data on the pack. Moreover, a QR code can also be printed for future use. The same is shown in Fig 12 illustrates the packed jewels/ precious solid metals/ornaments/ precious stones and printed detail of the user/customer. Fig 5 illustrates the proposed packaging and printing section for wrapping or packing the jewels/ precious solid metals/ornaments/ precious stones. Where electronically operable packaging cum printer section (22) consists of a chute (51 ) to transfer the jewel/ precious stone analyzing chamber to the packaging cum printing section, an actuating stepper motor (53) for a vertical aluminum /PPE foil roll with a sealer (52), a printer held on a printer holding brackets (56), Fig 6 illustrates the XRF analyzer section (2) for analyzing jewels/ precious solid metals/ornaments/ precious stones (64) received on the tray (45) shown in Fig 4. Where Al assisted chamber, consisting of an XRF analyzer/detector (65) with spectrometer (67) interfacing connected with the microcontroller board(63), a stepper motor (53), a set of vertical screw rods, and horizontal screw rods (41 and 42) with mounting brackets (43).
Figs 7 and 8 illustrate the welcome message to the user/customer after receiving the electronic card or debit card or credit card for checking authenticity and Fig 9 illustrates the Al-assisted analysis picture produced by the proposed system while analyzing the jewels/ precious solid metals/ornaments/ precious stones. The originality of jewels/ precious solid metals/ornaments/ precious stones can be accessed by the XRF analyzer by checking 16 Different metal standards available around the globe. Au- Gold, Ag-Silver, Pt- Platinum, etc., when Gold is kept in chamber and Au shows a high percentage on purity >99%, it is considered pure gold, same way for all precious jewels analyzed in the chamber and updated in the Microcontroller and Database, the XRF analyzer confirms that the received jewels/ precious solid metals/ornaments/ precious stone is original.
The communication of the ATM is enabled with public and private sector databases through a cloud network by XFS 3.0 VERSION software integrated with all banking domains.
The system proposed for jewels/ precious solid metals/ornaments/ precious stone loan lending machine ensures the safety of jewels/ precious solid metals/ornaments/ precious stone while transferring from one place to another place confirms the protection or structure of the original jewels/ precious solid metals/ornaments/ precious stone without any damage by air-filled aluminum foil to make the jewels safer before it stores in a strong room. 4. The details about the conventional RSA assisted Digital safe lockers _ ENCYRYPTED DIGITAL KEY TECHNOLOGY used for Hardware and software.
From figures 1 -12, it is well understood that a system for Jewels / Precious Solid metals/Ornaments / precious stones (64) analyzing and loan lending automated teller machine consisting (1 ) of,
-a Jewels / Precious Solid metals / Ornaments / precious stone’s analyzing chamber with an artificial XRFAnalyzer (2) Interface with a door (5), -an electronically operable packaging cum printing section (22),
-a Jewels / Precious Solid metals (Gold - Au, Silver - Ag, Platinum - Pt, Palladium - Pt, Rhodium - Rh) / Ornaments / precious stone’s strong box Locker storage section (10)
-a cash storage section with a cash dispensing machine section (11 ),
-a display unit (4),
-a CCTV camera(3),
- Al- assisted autofocus camera (21 ),
- Al-assisted analyses section with a microcontroller board (63),
-a, user electronic card interface reader unit (6),
-a PIN pad(7),
-a network communication channel interfaced with the microcontroller board (63), -wherein the user-electronic card is authenticated with a bank server to enable Jewels / Precious Solid metals/Ornaments / precious stone’s chamber (21 ) to use,
-wherein Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing Al assisted chamber, consisting of an XRF analyzer/d elector (2) with spectrometer (67) interfacing connected with the microcontroller board (63), a stepper motor, a set of vertical screw rods and horizontal screw rods (41 and (42) with mounting brackets,
-a Jewels / Precious Solid metals/Ornaments / precious stone’s placing tray (40) with a calibrating tray (46) and a load sensor (47),
-wherein electronically operable packaging cum printer section consisting of a chute (51 ) to transfer the jewel/ precious stone analyzing chamber to packaging cum printing section (2), an actuating stepper motor for a vertical aluminum /PPE foil roll with a sealer (52), a printer held on a printer holding brackets (56), -wherein Jewels / Precious Solid metals/Ornaments / precious XRF analyses when the Jewels / Precious Solid metals/Ornaments / precious stone’s is placed inside the chamber, the door closes immediately, where XRF spectrometer (67) thereby jewel/precious stone’s weight, purity, and type are measured and estimated loan as data and sent to the microcontroller board (63),
-wherein the said estimate loan data rate with Jewels / Precious Solid metals/Ornaments / precious stone’s details get displayed and printed out to the user with a user interest input latch or pin pad (7),
-wherein the user interest input latch is high then, the Jewels / Precious Solid metals/Ornaments / precious stone is transferred from Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber to packaging cum printing section via a chute (51 ),
-wherein the user interest input latch entered by using the pin pad (7) is low then, the Jewels / Precious Solid metals/Ornaments / precious stones in the Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber’s transparent door (5) is opened to take back,
-wherein the packaging cum printing section is having a vertical aluminum foil /PPE roll (44) covering the Jewels / Precious Solid metals/Ornaments / precious stones and sealed where the printer (54) prints the user credentials with the estimated loan data and Jewels / Precious Solid metals/Ornaments / precious stone’s details,
- wherein the Jewels / Precious Solid metals/Ornaments / precious stone’s packed with printed details is moved from packaging cum printing section to Jewels / Precious Solid metals/Ornaments / precious stone’s strong box Locker storage section storage box with neodymium magnet stutters (26) inbuilt in the machine,
-wherein the load sensor (47) in the Jewels / Precious Solid metals/Ornaments / precious stone’s strong box Locker storage section (10) enables the cash dispensing section (09) to dispense the estimated cash or a signal to the microcontroller sends the signal to the bank server to deposit the cash estimated to the user account, Here the user’s electronic card is authenticated with bank server by obtaining OTP, Qr-Code, thump impression, and retinal image of the user, wherein the said Jewels / Precious Solid metals/Ornaments / precious stone’s tray is movable horizontally, Vertically and tiltable. , wherein the said Jewels / Precious Solid metals/Ornaments / precious stone’s tray weighs by a load cell having ±0.1 Omg tolerance. The Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber has the door is transparent and is secured with an electronic lock controlled by the microcontroller board. Where the said transparent door status activates/deactivates the electronic cum printing section. And the user interest input latch is operable within the range of estimation data created by the controller. Importantly, the package of Jewels / Precious Solid metals/Ornaments / precious stones contains QR codes of user credentials.
And the weight of the Jewels / Precious Solid metals/Ornaments / precious stone’s storage room controls the Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber door. Another important embodiment in the invention is a method for automatic Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending technique comprising of, -authenticating user account (with approved API network/Cibil/Pan card/Adhaar card) with a bank account by receiving user credentials,
Receiving Jewels / Precious Solid metals/Ornaments / precious stones by opening a chamber to place, initiating analysis of Jewels / Precious Solid metals/Ornaments / precious stones after closing the chamber, -Analyzing on weight, quality, type, and purity of the Jewels / Precious Solid metals/Ornaments / precious stone, -printing estimation of the jewel/precious stone, receiving user interest in the estimation displayed by enabling dial pad and latches, transporting the Jewels / Precious Solid metals/Ornaments / precious stones to the packaging section for packing and printing user credentials on the pack, storing the packed jewel in a strong box Locker storage section within the machine. Initiating cash dispensing against the loan estimation or depositing the cash to the user account or withdrawing cash from the same machine, the said user interest input value from the user is found out of range of original estimation then ejection of Jewels / Precious Solid metals/Ornaments / precious stone’s is activated or a beep signal or an audio signal is generated, wherein the said system claimed in claim 1 -9 contains a buzzer for actuating a help for operating the machine or making a telephonic video call.
From the above description of the invention, those skilled in the art to which the present invention relates will perceive improvements, changes, and modifications. Numerous substitutions and modifications can be undertaken without departing from the scope of the invention. Such improvements, changes, and modifications within the skill of the art to which the present invention relates are intended to be covered by the appended claims.

Claims

1. A system for Jewels / Precious Solid metals/Ornaments / precious stones analyzing and loan lending automated teller machine (1 ) consisting of,
-a Jewels / Precious Solid metals / Ornaments / precious stone’s analyzing chamber (21 ), having construction of artificial intelligence (Al) based XRF analyzer/detector (2) with a spectrometer (67) interfacing connected with a microcontroller board (63), a stepper motor (40), a set of vertical screw rods and horizontal screw rods (41 , 42) with mounting brackets (43), and a door (5), -an electronically operable packaging cum printing section (22),
-a Jewels / Precious Solid metals (Gold - Au, Silver - Ag, Platinum - Pt, Palladium - Pt, Rhodium - Rh) / Ornaments / precious stone’s strong box Locker storage section (26),
-a cash storage section (25) with a cash dispensing (11 ) machine section,
-a display unit (4),
-a CCTV camera (3) and a set of cameras inside the machine (1 ),
- Al- assisted autofocus camera,
-a, user electronic card interface reader (6) unit,
-a network communication channel interfaced with the microcontroller board (63), -wherein the user-electronic card is authenticated with a bank server to enable Jewels / Precious Solid metals/Ornaments / precious stone’s chamber (21 ) to use,
-an user interest input -latch/ pin pad (7),
-a Jewels / Precious Solid metals/Ornaments / precious stone’s placing tray (45) with a calibrating tray (46) and a load sensor/load cell (47),
-wherein electronically operable packaging cum printer section (22) consisting of a chute (51 ) to transfer the jewel/ precious stone analyzing chamber to the packaging cum printing section(22), an actuating stepper motor (53) for a vertical aluminum /PPE foil roll (44) with a sealer (52) and a printer (54) held on a printer holding brackets (56),
-wherein Jewels / Precious Solid metals/Ornaments / precious XRF analyses when the Jewels / Precious Solid metals/Ornaments / precious stone is placed inside the chamber (21 ), the transparent door (5) closes immediately, where XRF spectrometer (2) analysis begins thereby jewel/precious stone’s weight, purity, and type are measured and estimated loan as data sent to the microcontroller board (53),
-wherein the said estimate loan data rate with Jewels / Precious Solid metals/Ornaments / precious stone’s details get displayed and printed out to the user with the user interest input latch/ pin pad (7),
-wherein the user interest input latch is high then, the Jewels / Precious Solid metals/Ornaments / precious stone (64) is transferred from Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber to packaging cum printing section via a chute (51 ),
-wherein the user interest input latch is low then, the Jewels / Precious Solid metals/Ornaments / precious stones in the Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber’s transparent door (5) is opened to take the jewels back,
-wherein packaging cum printing section (22) is having a vertical aluminum foil /PPE roll covering the Jewels / Precious Solid metals/Ornaments / precious stones and sealed where the printer prints the user credentials with the estimated loan data and Jewels / Precious Solid metals/Ornaments / precious stone’s details,
- wherein the Jewels / Precious Solid metals/Ornaments / precious stone’s packed with printed details is moved from packaging cum printing section(22) to Jewels / Precious Solid metals/Ornaments / precious stone’s strong box Locker storage section (24) having neodymium magnet shutters inbuilt in the machine (1 ),
-wherein the load sensor in the Jewels / Precious Solid metals/Ornaments / precious stone’s strong box Locker storage section enables the cash dispensing section (11 ) to dispense the estimated cash or a signal to the microcontroller sends the estimated data to the bank server to deposit the cash estimated to the user account,
-wherein the said machine (1 ) records and takes photos by the set of cameras installed inside the machine (1 ) of each section will be stored in database and images folder in encrypted format and sent a copy of the record to the customer as electronic messages or SMS, or email, or WhatsApp. The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the said user electronic card is authenticated with bank server by obtaining OTP, Qr-Code, thump impression, and retinal image of the user. The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the said Jewels / Precious Solid metals/Ornaments / precious stone’s tray (45) is movable horizontally, vertically and tiltable. The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the said Jewels / Precious Solid metals/Ornaments / precious stone’s tray (45) weighs by a load cell having ±0.1 Omg tolerance. The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the said Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber (21) having the door (5) is transparent and is secured with an electronic lock controlled by the microcontroller board (53). The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the said transparent door’s (5) status activates/deactivates the electronic cum printing section (22). The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the air-filled aluminum foil to make the jewels safer package of Jewels / Precious Solid metals/Ornaments / precious stone’s contains QR CODE of user credentials. The system for jewels / precious solid metals/ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the weight of the Jewels / Precious Solid metals/Ornaments / precious stone’s in the tray (45) controls the Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing chamber door (21 ) and the strong box Locker storage section (26). A method for automatic Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending technique comprising of, -authenticating user account (with approved APIs network/Cibil/Pan card/Adhaar card) with a bank account by receiving user credentials, -receiving Jewels / Precious Solid metals/Ornaments / precious stones by opening a chamber to place to record the jewel deposition by taking photos of each section and storing in database and images folder in encrypted format, -initiating analysis of Jewels / Precious Solid metals/Ornaments / precious stones (64) after closing the chamber for analyzing on weight, quality, type, and purity of the jewels / Precious Solid metals/Ornaments / precious stones (64), -printing estimation of the jewel/precious stone (64),
-receiving user interest in the estimation displayed by enabling dial pad and latches,
-transporting the Jewels / Precious Solid metals/Ornaments / precious stones to an air-filled aluminum foil to make the jewels safer packaging section for packing and printing user credentials on the pack,
-storing the packed jewel in a strong box Locker storage section within the machine.
-initiating cash dispensing against the loan estimation or depositing the cash to the user account or withdrawing cash from the same machine, and
-sending a copy of the record to the customer as electronic messages or SMS, email, or Whatsapp. The method for automatic Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending technique as claimed in claim 1 , wherein, the said user interest input value from the user is found out of range of original estimation then ejection of Jewels / Precious Solid metals/Ornaments / precious stone’s (64) is activated or a beep signal or an audio signal generated. The system for Jewels / Precious Solid metals/Ornaments / precious stone’s analyzing and loan lending automated teller machine as claimed in claim 1 , wherein the said system contains a buzzer for actuating a help for operating the machine or making a telephonic video call.
PCT/IN2023/050837 2022-09-10 2023-09-05 A system and a method for jewels/ precious solid metals/ ornaments/ precious stone's analyzing and loan lending automated teller machine WO2024052933A1 (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014113449A1 (en) * 2013-01-15 2014-07-24 The Crain Group, Llc Precious metals transaction systems and methods
US9195979B2 (en) * 2012-03-30 2015-11-24 Nakia Geller Gold and precious metal buying machine and method

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9195979B2 (en) * 2012-03-30 2015-11-24 Nakia Geller Gold and precious metal buying machine and method
WO2014113449A1 (en) * 2013-01-15 2014-07-24 The Crain Group, Llc Precious metals transaction systems and methods

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