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WO2002075680A1 - Appareil de depot de fonds - Google Patents

Appareil de depot de fonds Download PDF

Info

Publication number
WO2002075680A1
WO2002075680A1 PCT/GB2002/001303 GB0201303W WO02075680A1 WO 2002075680 A1 WO2002075680 A1 WO 2002075680A1 GB 0201303 W GB0201303 W GB 0201303W WO 02075680 A1 WO02075680 A1 WO 02075680A1
Authority
WO
WIPO (PCT)
Prior art keywords
funds
account provider
controller
coupler
cash
Prior art date
Application number
PCT/GB2002/001303
Other languages
English (en)
Inventor
Clive Patrick Smeardon
David John Goodinson
Cheryl J. Bulmer
Original Assignee
De La Rue International Limited
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 De La Rue International Limited filed Critical De La Rue International Limited
Publication of WO2002075680A1 publication Critical patent/WO2002075680A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • 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

Definitions

  • the present invention relates to an optical amplifier, in particular an erbium doped fibre amplifier (EDFA), having control means to compensate for non optimum performance.
  • EDFA erbium doped fibre amplifier
  • the fibre length In an optical amplifier, such as an EDFA, for a given pump power, to obtain the maximum amount of gain for a given erbium concentration in the fibre core, the fibre length should be increased to the point at which the pump power becomes equal to the intrinsic pump threshold. This determines the optimum length of the fibre to maximise the signal gain for the amplifier. However, for other applications, the fibre length may need to be optimised for other parameters such as the noise figure or output saturation power.
  • the fibre length may prove to be sub-optimal. It is known to compensate for sub-optimal provide such deposit apparatus in areas unconnected with the account provider.
  • a funds deposit apparatus comprises a funds receiving assembly including a funds acceptor for receiving and authenticating and/or identifying funds deposited by a user; a controller coupled to the funds receiving assembly; and a coupler for enabling the controller to communicate with a remote account provider whereby when the acceptor indicates to the controller that funds have been deposited, the controller is adapted to confirm to the account provider the amount of funds deposited via the coupler.
  • the receiving assembly will include one or more of a cash (coin and/or banknote) acceptor, magnetic card reader and IC card reader.
  • the receiving assembly includes a cash acceptor
  • the assembly will further comprise a cash denominator and/or a cash authenticator.
  • a denominator may not be required if, for example in the case of coins, slots are provided which can only be supplied with coins of particular denominations.
  • it will be important to include a cash authenticator .
  • the receiving assembly will typically further comprise a secure cash safe.
  • the apparatus preferably further comprises an input device such as a touch screen, keypad, magnetic, or IC card reader.
  • the magnetic or IC card reader could be the same as or different from any such reader provided within the receiving assembly.
  • the apparatus also includes an output device such as a printer, particularly a thermal printer. This enables the controller to confirm to the user the transaction which has taken place.
  • an output device such as a printer, particularly a thermal printer. This enables the controller to confirm to the user the transaction which has taken place.
  • the controller may be adapted to access only one account provider but, as mentioned above, in the preferred approach, the controller is adapted to access more than one account provider.
  • a variety of methods may be used to enable the coupler to connect the controller to an account provider.
  • the preferred methods involve the use of wireless links since this enables the funds deposit apparatus to be placed in a wide variety of situations irrespective of whether there are fixed communication links such as telephone access points available.
  • An example is a radio-pad/X.25 combination with the coupler accessing the account provider via a suitable telephone number.
  • a wired connection such as a PSTN could be used.
  • the coupler is adapted to communicate with the account provider via the Internet . Access to the Internet could be achieved via a wired or wireless link.
  • the controller is adapted to encrypt data defining the funds deposited and account details to which the funds are to be credited prior to forwarding that data to the account provider.
  • the encryption may be such that this confirms to the account provider the authenticity of the data.
  • each funds deposit apparatus may include a private key of a public/private key encryption system.
  • the coupler may be a modem or other interface device depending upon the form of the network to which it is connected.
  • a funds deposit system comprising one or more funds deposit apparatus according to the. invention; and at least one account provider including a memory and a processor, the processor being connected to a coupler so as to receive details of deposited funds from the funds deposit apparatus and to credit appropriate account information held in the memory.
  • the account provider will be located in a secure area and could be in the same or a different country from the funds deposit apparatus.
  • Figure 1 is a perspective view of a funds deposit apparatus
  • FIG 2 is a block diagram of the main components of the apparatus shown in Figure 1;
  • Figure 3 illustrates schematically one example of a funds transfer system; and
  • Figure 4 illustrates schematically a second example of a funds transfer system.
  • the apparatus shown in Figures 1 and 2 is in the form of an ATM (automatic teller machine) having a housing 1 supporting a magnetic or IC card reader 2 accessed via a slot 2A, a banknote acceptor 3 accessed via a slot 3A, a coin acceptor 4 accessed via a slot 4A, and a thermal printer 5 which generates receipts etc dispensed through a slot 5A.
  • a touch screen 6 is located on an upper section of the housing 1 while a secure safe or cabinet 7 is provided in the base of the housing 1, accessed via a normally locked door 7A and into which coins and notes are deposited following acceptance.
  • the reader 2, and acceptors 3,4 can all have a conventional construction.
  • FIG. 2 A first example of a funds transfer system is shown in Figure 3 which illustrates the Internet at 10.
  • the Internet 10 is connected to two account providers 11,12 and to a multiplicity of funds transfer apparatus of the type shown in Figures 1 and 2, four of these 13 being shown in Figure 3.
  • Each account provider includes a modem 14, microprocessor 15 and memory 16. These are only shown for the account provider 12 in Figure 3.
  • the apparatus shown in Figure 1 is located in a site where the Internet can be accessed such as an Internet cafe, kiosk, convenience store or any retail outlet or public place with the modem 9 coupled to a telephone line 17.
  • the user approaches the machine and selects an option using the touch screen 6 under the control of the controller 8.
  • Those options may be to add funds to an existing account, review an existing account balance, print a balance statement, review past purchases etc.
  • the user is prompted to insert their account card in the card reader 2 and will then be asked to enter a personal identifier such as a PIN via the touch screen.
  • a biometric reader such as a fingerprint reader could be provided for this.
  • the controller 8 will validate the PIN and if valid, will enable the user to perform the required transaction.
  • the user will insert the currency bills and/or coins in the appropriate acceptors 3,4 which will denominate and authenticate the currency bills and coins and the controller 8 will then provide to the user via the touch screen 6 an indication of the calculated amount. If the user agrees the amount, he confirms this via the touch screen 6 and the currency and coins are transported to the secure cabinet 7 in a conventional manner.
  • the controller 8 then encrypts data defining the deposited funds and the account number using, for example, a secret key of a public/private key pair.
  • the controller 8 then accesses the web site of the account provider concerned using the appropriate web site address and conventional browser software and then transmits- the data across the Internet 10 to the account provider 12.
  • the microprocessor 15 On receipt of the data, this is passed via the modem 14 to the microprocessor 15 which will decrypt the data and credit the amount to the appropriate account in the memory 16. The microprocessor 15 will then issue a confirmatory message which is transmitted back across the Internet 10 to the originating apparatus 13 to confirm that the funds have been correctly credited and the controller 8 will cause the thermal printer 5 to print a suitable credit slip.
  • more than one account provider can be accessed by the machine 13 and this information will be obtained from the user's account card.
  • the controller 8 will store web site addresses for each account provider and select the appropriate address.
  • the user could simply provide the appropriate details via the touch screen 6.
  • each funds transfer apparatus 13 (only one shown in Figure 4) communicates via a wireless link 20 such as a mobile telephone network with a base station 21 of the network.
  • the base station 21 is connected via a landline 22 based on a X.25 system to an account provider 12, the signals being routed to the account provider 12 by using an appropriate telephone number address .

Landscapes

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

Abstract

Un appareil de dépôt de fonds comprend un ensemble de réception de fonds (13) qui comprend un accepteur de fonds (3, 4) destiné à recevoir, authentifier et/ou identifier les fonds déposés par un utilisateur; un contrôleur (8) couplé à l'ensemble de réception de fonds; et un coupleur (9) destiné à permettre au contrôleur (8) de communiquer avec un fournisseur de compte distant (12). Lorsque l'accepteur (34) indique au contrôleur (8) que des fonds ont été déposés, le contrôleur est prêt à confirmer au fournisseur de compte (12) le montant des fonds déposé via le coupleur (9).
PCT/GB2002/001303 2001-03-20 2002-03-19 Appareil de depot de fonds WO2002075680A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0106974A GB0106974D0 (en) 2001-03-20 2001-03-20 Funds deposit apparatus
GB0106974.9 2001-03-20

Publications (1)

Publication Number Publication Date
WO2002075680A1 true WO2002075680A1 (fr) 2002-09-26

Family

ID=9911173

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2002/001303 WO2002075680A1 (fr) 2001-03-20 2002-03-19 Appareil de depot de fonds

Country Status (2)

Country Link
GB (1) GB0106974D0 (fr)
WO (1) WO2002075680A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US9064268B2 (en) 2010-11-01 2015-06-23 Outerwall Inc. Gift card exchange kiosks and associated methods of use
US9129294B2 (en) 2012-02-06 2015-09-08 Outerwall Inc. Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like
US10346819B2 (en) 2015-11-19 2019-07-09 Coinstar Asset Holdings, Llc Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19932149A1 (de) * 1999-07-12 2001-01-25 Giesecke & Devrient Gmbh System zur Ausführung von Transaktionen
WO2001006338A2 (fr) * 1999-07-20 2001-01-25 Diebold, Incorporated Systeme de developpement de machine a transaction automatique et procede associe
WO2001022375A1 (fr) * 1999-09-17 2001-03-29 Hana Bank Guichet bancaire portatif et procede bancaire associe

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19932149A1 (de) * 1999-07-12 2001-01-25 Giesecke & Devrient Gmbh System zur Ausführung von Transaktionen
WO2001006338A2 (fr) * 1999-07-20 2001-01-25 Diebold, Incorporated Systeme de developpement de machine a transaction automatique et procede associe
WO2001022375A1 (fr) * 1999-09-17 2001-03-29 Hana Bank Guichet bancaire portatif et procede bancaire associe

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9064268B2 (en) 2010-11-01 2015-06-23 Outerwall Inc. Gift card exchange kiosks and associated methods of use
US10600069B2 (en) 2010-11-01 2020-03-24 Cardpool, Inc. Gift card exchange kiosks and associated methods of use
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US9799014B2 (en) 2011-11-23 2017-10-24 Coinstar Asset Holdings, Llc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US10716675B2 (en) 2011-11-23 2020-07-21 Coinstar Asset Holdings, Llc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US11100744B2 (en) 2011-11-23 2021-08-24 Coinstar Asset Holdings, Llc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US9129294B2 (en) 2012-02-06 2015-09-08 Outerwall Inc. Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like
US10346819B2 (en) 2015-11-19 2019-07-09 Coinstar Asset Holdings, Llc Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving

Also Published As

Publication number Publication date
GB0106974D0 (en) 2001-05-09

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