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WO1990000979A1 - Systeme permettant a n'importe quelle succursale de banque de produire elle-meme des carnets de cheques de comptes courants personnalises - Google Patents

Systeme permettant a n'importe quelle succursale de banque de produire elle-meme des carnets de cheques de comptes courants personnalises Download PDF

Info

Publication number
WO1990000979A1
WO1990000979A1 PCT/IT1988/000070 IT8800070W WO9000979A1 WO 1990000979 A1 WO1990000979 A1 WO 1990000979A1 IT 8800070 W IT8800070 W IT 8800070W WO 9000979 A1 WO9000979 A1 WO 9000979A1
Authority
WO
WIPO (PCT)
Prior art keywords
cheque
current account
branch
books
printer
Prior art date
Application number
PCT/IT1988/000070
Other languages
English (en)
Inventor
Giovanni Sereni
Original Assignee
Data B S.R.L.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Data B S.R.L. filed Critical Data B S.R.L.
Publication of WO1990000979A1 publication Critical patent/WO1990000979A1/fr

Links

Classifications

    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • B42D25/29—Securities; Bank notes

Definitions

  • a bank when a bank has ' decided the details of the cheques it will supply for current accounts, it arranges for a printing firm to print all the permanent parts and fixed data such the name of the bank, background designs, the various sections, straight lines, symbols as well as the fixed data specific to each branch office, such as its address, progressive numbering for the beginning and end of each book in ordinary figures and in those for magnetic reading (CMC-7/OCR-B/E 13 B), the bank's code number, the branch's code number, and then the making up of each book.
  • a printing firm to print all the permanent parts and fixed data such the name of the bank, background designs, the various sections, straight lines, symbols as well as the fixed data specific to each branch office, such as its address, progressive numbering for the beginning and end of each book in ordinary figures and in those for magnetic reading (CMC-7/OCR-B/E 13 B), the bank's code number, the branch's code number, and then the making up of each book.
  • This system compels a bank to plan the quantity of cheque books it will require for each branch office.
  • a branch hands out a current account cheque book to one of its clients it has to mark each cheque with the ac ⁇ count number .
  • the invention consists of a system for independent produc ⁇ tion, as required, of personalized current account cheque books by each bank branch office by means of an electronic apparatus comprising a printer connected to a computer with memory, keyboard and a display.
  • the printer works on continuous forms made to tear off in strips, each strip corresponding to a cheque, already prin ⁇ ted with the head office's permanent data such as its name, background designs, various sections, straight lines and symbols common to all that bank's cheques.
  • Both the fixed data specific to the branch and the variable data specific to the current account holder can be person ⁇ alized as preferred by positions of the various spaces, by centering, by boldness of lettering, by proportional spa ⁇ cing, by adding or removing noughts,by the magnetically read characters (CMC-7/0CR-B : E 13 B) with beginning and end signs, in changing figures into letters, and suchlike.
  • the continuous form comprises two final strips for each set of strips forming a chequebook. The first is designed like a normal application form for a new book. The second is ruled up for summarising the cheques as and when issued by the holder, with a column giving the numbers identifying each cheque, and other columns to show the pre ⁇ vious balance, sum withdrawn, date of issue and anything else useful.
  • the set of strips making up a chequebook are folded concer- tinawise with the strip for requesting a new book at the end.
  • the apparatus is placed on a small table-like stand, the printer on the top and a space below housing the com ⁇ puter with the keyboard on an inclined front section. Below the computer chamber there is storage space for the continuous strips, protected by a lock, said continuous strips passing through a slit up into the printer direct.
  • the keyboard includes certain specific keys; one of these is for"positioning the form" to make sure that the contin ⁇ uous strips are in the correct position in the printer. Another key is the "cheque printer”.
  • Another key is for printing a "summary of chequebooks pro ⁇ quizd”; with this a summary is printed, on a plan sheet put into the printer, of all the chequebooks produced and all data relating to them.
  • the display shows a request to the operator to check the position of the continuous strip form; then, when the operator has given an affirmative answer or has pressed the "form positioning" key, the display asks for the branch client's variable specific data and,having received them, makes the printer print one or more chequebooks with the branch's permanent data, already in the computer, and with the specific va ⁇ riable data just received.
  • the above computer is connected to a central computer installed, for example, at the bank's headquarters which receives the data specific to the branch office such as its address, progressive cheque number, headquarters and branch code numbers.
  • the branch forwards the request to the central computer which, through the local computer, has the branch's printer print the requested chequebooks onto continuous forms.
  • this process means that, on receiving the re ⁇ quest from the branch, the central computer asks the branch operator to check the positioning of the continuous forms; when the operator indicates that this has been done, the display shows a request from the central computer for the branch client's specific variable data and, on receiving these, passes the order to the printing machine to print one or more chequebooks with the already memorized specific permanent data belonging to the branch and with the last variable specific data received, after which the operator need only tear off the printed cheques.
  • the branch's computer has a spe ⁇ cial four-key keyboard, one being a connecting key to con ⁇ nect the branch computer to the central one, another being the positioning key to position the forms correctly, a third being the summarizing key by pressing which the prin ⁇ ter prints a summary of all the chequebooks produced, and a fourth for reprinting any chequebooks found to be faulty or incomplete.
  • the features and way of using these chequebooks are prac ⁇ tically the same as those at present supplied by banks ex- cept that the single cheques are connected top and bottom in the continuous form and are torn off lengthwise.
  • the advantages of the invention are evident.
  • the continuous strip forms can be prepared as at present by a firm of printers without any individual branch details. Therefore, by starting with forms which only have the permanen printing common to all branches of a bank, each branch can independen ly print all the other personal data completing the cheque, such as branch address, headquarters and branch code numbers, cheque number, holder's name and number of his current account, the characters for magnetic reading (CMC-7/0CR-B/E) and the rest.
  • Cheque numbering can be varied at any time at no extra cost. Cheque books can be issued to clients bearing their per ⁇ sonal data, improving the bank's image, but quite simply and at no additional expense. Document numbering put into the computer can never be can ⁇ celled. Summing up the advantages o ' ffered by the invention, cheque books can be produced at the time required not only quick ⁇ ly and simply but also of original appearance ' specifie to a particular branch office and at appreciably lower cost than that associated with ordinary current account cheque books .
  • Fig.1 The apparatus subject of the invention comprising an electronic calculator, a keyboard and the prin ⁇ ter, perspective view.
  • Fig.2 A piece of the continuous form used to make the chequebook.
  • Fig.3 End strip of the chequebook.
  • Fig.5 Diagrammatic layout of the electronic complex.
  • Fig.6 Diagrammatic layout of the electronic calculator.
  • Fig.7 Topography of the electronic calculator's components
  • Figs.8-11 Diagram showing the electronic circuits of the electronic calculator.
  • Fig.12 Topography of components of the buffer battery's electronic circuits.
  • Fig.13 Diagram of the buffer battery's electronic circuits.
  • Fig.14 Topography of components of the keyboard's elec ⁇ tronic circuits.
  • Figs.15-16 Diagram of the keyboard's electronic circuits.
  • Fig. l In the apparatus ( 10) seen in Fig. l, there is the stand(l l) consisting of the box part (12) with its upper shelf (13) and inclined front (14), with side pieces ( 15).
  • the printer ( 16) stands on the top ( 13) and the keyboard ( 17),on the inclined front ( 14), with display ( 18) above. Details of how the electronic calculator parts* and the circuits for keyboard and display are set out inside the box can be seen in Figs. 5-16.
  • the printer has a daisy wheel type face.
  • the key ( 19) on the left of the stand is used to turn the whole apparatus on and off.
  • the chamber (20) under the box part ( 12) holds the contin- uous forms (22) which pass through a slit in the top ( 13), enter the printer and appear above through an aperture (21).
  • Fig. 2 shows a piece (23) of the continuous form comprising the strip (24) and a part of both strips (25) and (26) sep ⁇ arated by the tear-off lines (27) and (28), each strip cor- responding to a cheque.
  • the three sets of parts and data can be clearly seen.
  • the first set comprises "general fixed data" such as the background design (29), the ruled lines (30) for the date and amount, the heading (31) and pattern (32) of the bank's head office, the further lines (33) and (34) for the amount written in letters and the bearer's name.
  • This first set is printed by a firm of printers and is com ⁇ mon to all the current account cheques issued by headquarters,
  • the second set comprises the specific data relating to each branch office such as the name (39) of the branch, the code number of head office (40) and of the branch (41), the num ⁇ ber (42) of the individual cheque, and these same numbers printed in figures readable magnetically (CMC-7/OCR-B/E 13B) respectively indicated by (44), (45), (43). All these specific branch details are typed into the com ⁇ puter as soon as it is installed at the branch office or at any other convenient time.
  • the third set comprises the client's variable data such as the name (50) of the account holder, the number (51) of the current account, and the same number printed in figures for magnetic reading (CMC-7/0CR-B/E 13 B) (46).
  • strip (60) in addition to what is already printed on the cheques as regards fixed data for the head office (61), specific fixed data for the branch such as its name (62) and specific variable data for the client such as (63) and (64), there is also the wording (65) REQUEST FOR A NEW CHEQUEBOOK.
  • This strip is equivalent to the normal request strip in an ordinary chequebook.
  • strip (66) there is a "table of variations" (67) for noting down cheques issued showing (68) the first and last numbers of cheques in the book, column (69) for the last three digits of said numbers, and columns (70), (71) and others for 'previous balance' 'present withdrawal' 'date of cheque' and suchlike.
  • This tabled information replaces that on stubs left in the book after cheques are torn out.
  • Fig. 4 illustrates and cheque book printed by the apparatus with some of the cheques already used.
  • the next cheque to be used (75) can be seen.
  • the concertinawise folding (76) of the continuous form, along the tear-off lines (77), means that these chequebooks are no more bulky than ordinary ones.
  • the keyboard ( 17) used by this apparatus is substantially similar to normal ones, with addition of specific keys, like key (36) for making the machine produce chequebooks, or key (37) for correctly positioning the continuous form, and key (38) for printing a summary of all chequebooks made with all their data.
  • Fig.5 is a block diagram of the main parts such as elec ⁇ tric current input (80)for theelectronic calculator (81), com ⁇ prising the electronic circuits for the buffer battery (82), operated by data from the keyboard ( 17) received through said keyboard's electronic circuits (83) .
  • FIG. 6 another block diagram illustrates the circuits of the calculator (81), namely the following:
  • Fig.7 A fuller description of the electronic calculator (81) is given in Fig.7 with its 'topography of components' and in Figs. 8-11 showing electronic circuit diagrams.
  • Fig.12 is a 'topography' of components in the buffer bat ⁇ tery's electronic circuits
  • Fig.13 is a diagram of said battery's electronic circuits.
  • Fig. 14 indicates the position of the keyboard (17) elec ⁇ tronic circuit components
  • Figs. 15—16 give diagrams of said keyboard's electronic circuits. Whenever a branch client asks for a chequebook, the opera ⁇ tor presses key (36) "print cheques" and the cheques are printed.
  • the calculator is asking the operator if the position of the continuous forms has to be checked.
  • the operator has checked this point he can reply YES or else, guided by the display, he can press the position adjuster key (37).
  • the calculator asks the op ⁇ erator for the client's specific variable data, such as the holder's name, his current account number and the quan ⁇ tity of chequebooks to be printed.
  • the calculator On receiving this data the calculator causes the printer to complete the forms, already prepared by an outside prin ⁇ ting firm and containing the permanent fixed data relating to head office, with the specific data already memorized for the branch and with the final variable data relating to the client .
  • the calculator is connected to the head office computer procedures are still substan ially those described.
  • the head office computer stores fixed data spe ⁇ cific to the branch.
  • the display then asks the operator to check the position of the continuous form and, by the same means, asks for the client's variable specific data. This having been typed in the head office computer, it tells the branch office printer to print out the book or books as already described.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Calculators And Similar Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Grâce au système décrit, n'importe quelle succursale de banque peut produire elle-même des carnets de chèques de comptes courants personnalisés à la demande au moyen d'un appareil électronique (10), lequel comprend une imprimante (16) connectée à une calculatrice électronique pourvue de circuits de stockage en mémoire, un clavier (17) et une unité de visualisation (18), en utilisant des formulaires en continu (22) comportant des lignes transversales conçues pour permettre le détachement par déchirement de bandes (24, 25). Chaque bande correspond à un chèque déjà imprimé, qui comporte les ''données fixes générales'' relatives au siège de la banque, tel que son nom, des chiffres, des lignes droites, des symboles. La calculatrice permet à l'imprimante d'imprimer sur chacune de ces bandes (24, 25) à la fois les ''données fixes spécifiques'' relatives à la succursale, telles que son en-tête, la numérotation progressive des chèques, le numéro de code de la banque, le numéro de code de la succursale déjà stocké en mémoire, et les ''données variables spécifiques'' relatives au client, telles que son nom sur le carnet de chèque de compte courant, le numéro de compte en chiffres normaux et en caractères pour la lecture magnétique (CMC-7/OCR-B/E 13 B).
PCT/IT1988/000070 1988-07-19 1988-09-30 Systeme permettant a n'importe quelle succursale de banque de produire elle-meme des carnets de cheques de comptes courants personnalises WO1990000979A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IT8821416A IT8821416A0 (it) 1988-07-19 1988-07-19 Sistema per produrre autonomamente in ogni filiale bancaria libretti di assegni di conto corrente personalizzati.
IT21416A/88 1988-07-19

Publications (1)

Publication Number Publication Date
WO1990000979A1 true WO1990000979A1 (fr) 1990-02-08

Family

ID=11181447

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IT1988/000070 WO1990000979A1 (fr) 1988-07-19 1988-09-30 Systeme permettant a n'importe quelle succursale de banque de produire elle-meme des carnets de cheques de comptes courants personnalises

Country Status (6)

Country Link
EP (1) EP0425483A1 (fr)
AU (1) AU2488288A (fr)
ES (1) ES2012864A6 (fr)
IT (1) IT8821416A0 (fr)
PT (1) PT88845A (fr)
WO (1) WO1990000979A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0514181A1 (fr) * 1991-05-14 1992-11-19 Dynic Corporation Système d'impression pour imprimer des données comprenant des informations communes et individuelles sur un support d'impression
US7974921B1 (en) 1999-12-05 2011-07-05 Moosa Eisa Al Amri Bank cheque system with cheques having magnetized strips and/or storage chips

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR367643A (fr) * 1906-01-25 1906-11-06 William Edgar Blauvelt Machine pour relier les livres
FR2188512A5 (fr) * 1972-06-13 1974-01-18 Manenc Pierre
GB2073661A (en) * 1980-04-11 1981-10-21 Transaction Technology Inc Apparatus and method for personalizing checks
FR2504059A1 (fr) * 1981-04-16 1982-10-22 Widmer Michel Procede de fabrication modulaire d'une roue d'impression independante de plusieurs symboles
GB2111435A (en) * 1981-12-14 1983-07-06 Asher And Co Printing cheques
GB2181695A (en) * 1985-10-18 1987-04-29 Kalamazoo Plc Cheque book assembly
US4696522A (en) * 1986-05-09 1987-09-29 Devoke Co. Cabinet for microcomputer components

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR367643A (fr) * 1906-01-25 1906-11-06 William Edgar Blauvelt Machine pour relier les livres
FR2188512A5 (fr) * 1972-06-13 1974-01-18 Manenc Pierre
GB2073661A (en) * 1980-04-11 1981-10-21 Transaction Technology Inc Apparatus and method for personalizing checks
FR2504059A1 (fr) * 1981-04-16 1982-10-22 Widmer Michel Procede de fabrication modulaire d'une roue d'impression independante de plusieurs symboles
GB2111435A (en) * 1981-12-14 1983-07-06 Asher And Co Printing cheques
GB2181695A (en) * 1985-10-18 1987-04-29 Kalamazoo Plc Cheque book assembly
US4696522A (en) * 1986-05-09 1987-09-29 Devoke Co. Cabinet for microcomputer components

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0514181A1 (fr) * 1991-05-14 1992-11-19 Dynic Corporation Système d'impression pour imprimer des données comprenant des informations communes et individuelles sur un support d'impression
US7974921B1 (en) 1999-12-05 2011-07-05 Moosa Eisa Al Amri Bank cheque system with cheques having magnetized strips and/or storage chips

Also Published As

Publication number Publication date
IT8821416A0 (it) 1988-07-19
AU2488288A (en) 1990-02-19
PT88845A (pt) 1990-02-08
EP0425483A1 (fr) 1991-05-08
ES2012864A6 (es) 1990-04-16

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