BRPI1004384A2 - depository of checks and banknotes - Google Patents

Abstract

CHECK AND BANK DEPOSITARY consisting of a bank and check entry nozzle, with anti-vandalism shutter (1), with the capacity for individual deposit or in a pack of checks and / or banknotes; a banknote validation device (4), which determines whether the deposited banknotes are valid (true); an image scanning module (2), consisting of a barcode reader (5) that reads printed barcodes on checks, a front check filler (6), a two-sided image scanner the banknotes and checks (7), a mechanism for filling the back of the check (8), associated with means of moving the checks and notes (3); a stacker wheel (9) used to "stack" the banknotes and checks and position them so that the conveyor system (11) leads them to the deposit cassette (10), if the deposit is confirmed, or to the rejection nozzle (12) where they will be returned to the user in case the operation is canceled for any reason.

Description

Checks and Banknotes Depository

Technological sector of the invention

The present invention pertains generally to the technology sector of self-service banking equipment and relates more specifically to a depository for banking use capable of receiving and validating both checks and banknotes.

Known prior art

There are several self-service banking equipment that allow a bank's customers to perform various operations without the need for direct service from bank employees. The most common equipment is for checking account movements, withdrawing money, depositing banknotes and checks, and other operations such as bank account transfers, printing and withdrawing checkbooks, and paying bills. Among these we are interested in the depository of banknotes and checks.

The state of the art of this technology sector comprises bank and check deposit devices which receive the banknotes and / or checks arranged in envelopes, identify them and, by means of movement mechanisms, store them in security compartments. This type of device is cited PI0501883-8, by the same applicant as this application, which describes a bank self-service terminal bank depository, provided with a pull and lift envelope mechanism, where rollers pull and drive the envelopes to a movable tray, moved by a lifting mechanism, which causes it to travel up and down, leading the envelopes into a storage box.

There are also equipment for direct deposit of banknotes and equipment for deposit of checks (without envelope), but it should be evidenced that they are independent and separate equipment, that is, for example, when installing them in a self-service terminal. In the banking sector, a device will be required to receive the deposit of banknotes and another device to receive the deposit of checks, which requires a certain volume available at the terminal to receive the two equipment and represents a double cost to acquire them.

In the particular case of check deposit devices it should be noted that existing equipment is only capable of receiving and storing checks, and in many cases additional operations such as filling in data on the check or applying stamps on the back side are often performed. These operations are currently performed manually by bank employees.

In the case of banknote deposit devices, once the deposit has been made, if the transaction is canceled for any reason, the equipment will return the deposited amount to the user but is unable to return the exact same banknotes that were deposited.

Novelty and objectives of the invention

It is an object of the present invention to characterize a single equipment capable of receiving both check and banknote deposit, capable of single or packet check and / or bank deposit

It is an object of the present invention to characterize a depository of checks and banknotes capable of digitizing images of deposited checks and banknotes, enabling storage of data such as the serial number of each individual banknote and data of each individual check.

It is an object of the present invention to characterize a check depository capable of validating the deposited banknotes by determining whether they are false or true.

It is an object of the present invention to characterize a depository of checks and banknotes capable of rejecting banknotes and / or checks and returning them to the user.

It is an object of the present invention to characterize a depository of checks and banknotes capable of, in the case of rejection of deposited banknotes, for example, by canceling the transaction, returning to the user exactly the same banknotes that were deposited.

It is the object of the present invention to characterize a check depository capable of filling the check on both the front and the back, for example by allowing data to be printed on the check, ie an endorsement, ie a stamp, operations that are currently done manually in the subsequent processing of deposited checks, requiring the availability of human resources to be performed. It is an object of the present invention to characterize a check depository capable of reading magnetic codes (CMC7 and E13B) printed on checks, as well as possibly printed barcodes.

Description of the accompanying drawings In order for the present invention to be fully understood and practiced by any person skilled in the art, it will be explained clearly, concisely and sufficiently to permit its reproduction, based on the attached drawings below, which are only exemplary of a possible embodiment of the principles disclosed herein, and this particular embodiment is not unique, but only considered the best by the inventor:

Figure 1 perspective view of the depository of checks and banknotes, object of the present invention.

Figure 2 is a cross-sectional drawing of the depository of checks and bills, object of the present invention.

DETAILED DESCRIPTION OF THE INVENTION As can be seen from the accompanying figures, the check depository consists of an anti-vandalism shutter, bank and check entry nozzle (1) capable of single or packet deposit. checks and / or banknotes; a ballot validation device (4); an image scanning module (2), composed of a barcode reader (5), a front check filling mechanism (6), a two-sided scanning of banknotes and checks (7), a mechanism for filling the back of the check (8), associated with means of moving checks and banknotes (3); a stacker wheel (9) used to "stack" the banknotes and checks and position them so that the conveyor system (11) leads them to the deposit cassette (10), if the deposit is confirmed, or to the rejection nozzle (12) where they will be returned to the user in case the operation is canceled.

In the preferred embodiment of the invention, the check and bank moving means (3) are preferably motorized bank or check traction rollers. The banknote validation device (4) is a device that employs means well known in the art for counting and validating the banknotes, determining whether they are true or not. The barcode reader (5) is preferably a CMC7 / E13B reader. The check front fill (6) and check back fill (8) mechanisms are inkjet printers whose printheads are facing front and back of the check respectively. The storage cassette (10) is a self-sealing cassette, internally divided into a ballot compartment (13) and a check compartment (14). The conveyor means (11) leading the banknotes or checks to a rejection nozzle (12) are preferably conveyor belts.

This descriptive report is an invention endowed with novelty, industrial application and inventive activity. It follows that it has all the legal requirements to be granted a patent.

Claims (7)

1. CHECK AND BANK DEPOSITARY comprising a bank and check entry nozzle (1), with an anti-vandalism shutter, capable of depositing individually or in a bundle of checks and / or banknotes; a ballot validation device (4); an image scanning module (2), composed of a barcode reader (5), a front check filling mechanism (6), a two-sided scanning of banknotes and checks (7), a mechanism for filling the back of the check (8), associated with means of moving checks and banknotes (3); a stacker wheel (9) used to "stack" the banknotes and checks and position them so that the conveyor system (11) leads them to the deposit cassette (10), if the deposit is confirmed, or to the rejection nozzle (12) where they will be returned to the user in case the operation is canceled. 2. CHECK AND BANK DEPOSITARY as claimed in 1 and further characterized in that the means of moving checks and banknotes (3) are motorized rollers for tracing banknotes or checks, or any other form of traction. 3. CHECK AND CODE DEPOSITARY as claimed in 1 and further characterized in that the barcode reader (5) is a CMC7 and E13B code reader, or any other codes that can be read by magnetic or optical readers. 4.- CHECK AND CALL DEPOSITARY as claimed in 1 and further characterized in that the check front fill (6) and check back fill (8) mechanisms are inkjet printers whose printheads are facing respectively front and back of the check, or any other existing printing system, and can print across the check area or on a single line. 5. A DEPOSITORY OF CHECKS AND BILLS as claimed in 1 and further characterized in that the storage cassette (10) is a self-sealing cassette. A check and bank depository as claimed in 5 and further characterized in that the storage cassette (10) is divided internally into separate compartments, such as a banknote (13) and a checkbox (14). 7.- Checks and banknotes depository as claimed in 1 and further characterized in that the means of transport (11) are conveyor belts or any other form of traction.