EP0981116A2 - Terminal self-service - Google Patents

Terminal self-service Download PDF

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Publication number
EP0981116A2
EP0981116A2 EP99306244A EP99306244A EP0981116A2 EP 0981116 A2 EP0981116 A2 EP 0981116A2 EP 99306244 A EP99306244 A EP 99306244A EP 99306244 A EP99306244 A EP 99306244A EP 0981116 A2 EP0981116 A2 EP 0981116A2
Authority
EP
European Patent Office
Prior art keywords
tray
media
slot
user
dispensing
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP99306244A
Other languages
German (de)
English (en)
Other versions
EP0981116A3 (fr
Inventor
Christopher W. Wylie
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NCR International Inc
Original Assignee
NCR International Inc
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 NCR International Inc filed Critical NCR International Inc
Publication of EP0981116A2 publication Critical patent/EP0981116A2/fr
Publication of EP0981116A3 publication Critical patent/EP0981116A3/fr
Withdrawn legal-status Critical Current

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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
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/10—Mechanical details
    • G07D11/14—Inlet or outlet ports
    • 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]
    • G07F19/205—Housing aspects of ATMs

Definitions

  • the invention relates to improvements in or relating to a self-service terminal (SST).
  • SST self-service terminal
  • the invention relates to an SST, such as an Automated Teller Machine (ATM), having an improved dispenser tray for presenting valuable media to a user.
  • ATM Automated Teller Machine
  • a dispensing tray for presenting valuable media, such as currency, to a user.
  • One configuration of dispensing tray conventionally used is shown in Fig 1A.
  • a tray 10 is located beside a dispensing slot 12 of an ATM, so that bank notes 14 are dispensed from the ATM, through the slot 12, and onto a planar surface 16 of the tray 10.
  • a third party places a sheet of material (such as cardboard) 18 at an angle over part of the tray 10 (at the position shown by the dotted line in Fig 1A). The material 18 is shown in position in Fig 1B.
  • a sheet of material such as cardboard
  • the sheet of material 18 When the material 18 is in position and a legitimate user requests a currency dispensing facility, the sheet of material 18 obscures the dispensed notes 14 (shown in dotted line in Fig 1B) from the user's view, so that the notes 14 are delivered to planar surface 16 of the tray 10 but beneath the material 18.
  • the legitimate user may walk away from the ATM because he/she assumes that no bank notes have been dispensed due to a fault with the ATM.
  • the third party may then return and remove both the sheet of material 18 and the dispensed bank notes 14 obscured by the material 18.
  • a self-service terminal for dispensing valuable media into a dispensing tray is characterised in that the tray has a non-planar surface for holding valuable media delivered thereto.
  • a non-planar surface is provided which makes it more difficult to balance a sheet of material in the tray.
  • the non-planar surface is generally arcuate.
  • the generally arcuate surface is concave.
  • the tray has a slot for facilitating collection of the valuable media.
  • the tray may have a plurality of slots.
  • the slot is defined at an edge of the tray (front edge) opposite to the front surface of the SST, and the slot is located towards the centre of the front edge of the tray.
  • One advantage of having a slot in the tray is that a user can access a top side and an underside of the media which is dispensed.
  • An advantage of having the slot near to the centre of the front edge is that the valuable media which is dispensed will straddle the slot.
  • Another advantage of having a slot in the tray is that if any obstruction, such as a sheet of material, is placed in the tray, then the obstruction may be easily removed because the slot may give access to an underside of the obstruction.
  • the SST has an optically transparent window for providing visual access to the valuable media.
  • the window is located above the tray so that a user can observe the valuable media as the media is moving towards the non-planar surface.
  • the window is located for providing visual access to the valuable media as the media is at rest on the non-planar surface.
  • the window is a PERSPEXTM panel.
  • the advantage of having a transparent window is that if the media is blocked so that it does not reach the tray then the user may see part of the media and the cause of the blockage.
  • a dispensing tray for use with a self-service terminal is characterised in that the tray has a non-planar surface for holding valuable media delivered thereto.
  • Fig 1A shows a prior art design of dispensing tray and Fig 1B shows that tray modified for fraudulent purposes.
  • Fig 2 shows an SST 100 (in the form of an ATM) according to one embodiment of the invention.
  • the ATM 100 has a user interface 102 incorporated in its front surface 103.
  • the user interface 102 includes a display 104, a key pad 106, a card reader slot 108, and a dispenser tray 110.
  • Fig 3 shows in more detail the dispenser tray 110.
  • the tray 110 is made of polycarbonate material and is in the form of a channel having an open top 112, closed ends 114, and an arcuate inner surface 116 (Fig 6). In this embodiment, the tray is approximately 25cm long (between closed ends 114), 15cm wide, and 8cm deep.
  • the tray 110 is located beneath a sloping front panel 118 so that the panel 118 projects into the top 112 of the tray 110.
  • the front panel 118 is made of plastics material and incorporates an optically transparent window 120 made of PERSPEXTM.
  • the tray 110 is recessed into the front of the ATM 103 so that approximately two-thirds of the tray 110 projects out of the front surface 103.
  • currency is delivered onto the arcuate inner surface 116 by a currency delivery mechanism (shown in dotted lines in Fig 4).
  • the tray 110 has a slot 122 near the centre of its front edge 124 and extending from front edge 124 towards the front surface 103.
  • the slot 122 measures approximately 4cm wide; although any convenient width of slot 122 may be used.
  • the currency delivery mechanism 130 is shown delivering bank notes 14 to the tray 110 by means of three rotating belts 132 driven by gears and pulleys (not shown). Three bank notes 14a,b,c are shown, each at a different stage of delivery. Note 14a is located on the belts 132 and is being transported towards front panel 118. Note 14b has been projected from the mechanism 130 and will be guided by front panel 118 as it falls towards the tray surface 116. Note 14c is at rest on the tray surface 116 awaiting collection by a user.
  • the dispensing tray 110 has a guide surface 134 depending from its rear edge for guiding notes towards a receptacle (not shown). If the notes 14 falling from the mechanism 130 are deflected (for example by an obstruction) so that the notes 14 miss the tray surface 116, then as the notes 14 fall they are guided by surface 134 to land in the receptacle.
  • a user of the ATM 100 would observe note 14b through the window 120, and would also observe at least part of note 14c through the open top 112 of the tray 110.
  • a third party attempted to defraud an ATM user by placing an obstruction on the interior surface 116 of the tray 110 then the user could remove the obstruction.
  • the presence of the slot 122 would alert the user to the presence of the obstruction and would assist the user in removing the obstruction because the slot 122 would enable the user to gain access to the underside of the obstruction.
  • Fig 5 shows what a user would observe if an obstruction 140 was placed behind the front panel 118. Part of a note 14 is blocked by the obstruction 140, but at least part of the note 14 and the blockage 140 are visible through the window 120. Thus, the user would realise that the ATM 100 has attempted to dispense the notes requested but has been hindered from doing so by an obstruction 140.
  • the invention has the advantages that if a third party places an obstruction (such as a piece of card) in the tray 110 then the obstruction is obvious from the shape of the inner surface 116 and the slot 122. If an obstruction is placed behind the front panel then the obstruction is evident because the notes 14 and/or the obstruction are visible through the window 120.
  • the window provides visual access to the notes as they are being delivered to the tray, so the user observes that notes have been dispensed, even if part of the tray 110 has been covered.
  • guide surface 134 and a receptacle ensures that if notes 14 are deflected by a large angle (which may occur if an obstruction is present beneath or behind the front panel 118) then the notes will land in the receptacle, which is not accessible to a user of the ATM 100.
  • the tray may be made of materials other than polycarbonate, such as other plastics material, metals, metal alloys or such like.
  • the tray may be used in SSTs other than ATMs, for example in kiosks selling flight coupons, share certificates, or such like.
  • the front panel and/or the tray may be optically transparent.
  • the tray may have a plurality of slots to ensure that any obstruction located in the tray is more noticeable.
  • the tray may have different dimensions to those described above. The dimensions of the tray may be determined by the size of the valuable media to be dispensed by a particular SST.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Pile Receivers (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
EP99306244A 1998-08-19 1999-08-06 Terminal self-service Withdrawn EP0981116A3 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB9817946 1998-08-19
GBGB9817946.8A GB9817946D0 (en) 1998-08-19 1998-08-19 Self-service terminal

Publications (2)

Publication Number Publication Date
EP0981116A2 true EP0981116A2 (fr) 2000-02-23
EP0981116A3 EP0981116A3 (fr) 2001-05-30

Family

ID=10837417

Family Applications (1)

Application Number Title Priority Date Filing Date
EP99306244A Withdrawn EP0981116A3 (fr) 1998-08-19 1999-08-06 Terminal self-service

Country Status (5)

Country Link
EP (1) EP0981116A3 (fr)
JP (1) JP2000076508A (fr)
BR (1) BR9903727A (fr)
GB (1) GB9817946D0 (fr)
ZA (1) ZA995208B (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001023290A1 (fr) * 1999-09-30 2001-04-05 Japan Cash Machine Co., Ltd. Empileur de billets a fenetre d'observation
US7086585B2 (en) * 2001-12-29 2006-08-08 Lg N-Sys Inc. Media dispenser apparatus
DE102009035938A1 (de) * 2009-08-03 2011-02-10 Giesecke & Devrient Gmbh Vorrichtung für Einzahlung oder Auszahlung von Banknoten
CN108520602A (zh) * 2017-02-27 2018-09-11 Ncr公司 组合式遮挡板和用户界面pin输入

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CH624782A5 (en) * 1977-10-05 1981-08-14 Sodeco Compteurs De Geneve Coin-rejection device on a coin-operated machine.
US4550818A (en) * 1983-10-24 1985-11-05 Holliday Robert A Coin handling apparatus for use in merchandise vending machines
US4720004A (en) * 1986-01-08 1988-01-19 Voegeli Ronald C Coin-operated display rack having rotatable coin-receiving mechanism which activates a movable coin diverter
DE69131078T2 (de) * 1990-02-05 1999-07-15 Cummins-Allison Corp., Mount Prospect, Ill. Verfahren und Vorrichtung zum Diskriminieren und Zählen von Währung
FR2740585B3 (fr) * 1995-10-26 1997-12-12 Sagem Appareil pouvant distribuer des pieces de monnaie et resistant au vandalisme
US5850075A (en) * 1996-11-27 1998-12-15 Interbold Receipt transport and retrieval system for automated banking machine
US5813510A (en) * 1996-12-05 1998-09-29 Xcp, Inc. Currency and coin-activated drop safe

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001023290A1 (fr) * 1999-09-30 2001-04-05 Japan Cash Machine Co., Ltd. Empileur de billets a fenetre d'observation
US6585260B1 (en) 1999-09-30 2003-07-01 Japan Cash Machine Co., Ltd. Bill stacker with an observation window
US7086585B2 (en) * 2001-12-29 2006-08-08 Lg N-Sys Inc. Media dispenser apparatus
DE102009035938A1 (de) * 2009-08-03 2011-02-10 Giesecke & Devrient Gmbh Vorrichtung für Einzahlung oder Auszahlung von Banknoten
CN108520602A (zh) * 2017-02-27 2018-09-11 Ncr公司 组合式遮挡板和用户界面pin输入
CN108520602B (zh) * 2017-02-27 2022-05-17 Ncr公司 组合式遮挡板和用户界面pin输入

Also Published As

Publication number Publication date
JP2000076508A (ja) 2000-03-14
GB9817946D0 (en) 1998-10-14
ZA995208B (en) 2001-02-16
EP0981116A3 (fr) 2001-05-30
BR9903727A (pt) 2000-09-05

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