EP1745443A2 - Procede et dispositif pour identifier la personne deposant des billets de banque suspects dans une billetterie automatique - Google Patents

Procede et dispositif pour identifier la personne deposant des billets de banque suspects dans une billetterie automatique

Info

Publication number
EP1745443A2
EP1745443A2 EP05732029A EP05732029A EP1745443A2 EP 1745443 A2 EP1745443 A2 EP 1745443A2 EP 05732029 A EP05732029 A EP 05732029A EP 05732029 A EP05732029 A EP 05732029A EP 1745443 A2 EP1745443 A2 EP 1745443A2
Authority
EP
European Patent Office
Prior art keywords
banknotes
teller machine
automated teller
atm
data
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Withdrawn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
EP05732029A
Other languages
German (de)
English (en)
Inventor
Peter Woeffen
Ernst Liebing
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.)
Wincor Nixdorf International GmbH
Original Assignee
Wincor Nixdorf International GmbH
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 Wincor Nixdorf International GmbH filed Critical Wincor Nixdorf International GmbH
Publication of EP1745443A2 publication Critical patent/EP1745443A2/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • G07D11/20—Controlling or monitoring the operation of devices; Data handling
    • G07D11/30—Tracking or tracing valuable papers or cassettes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G07D11/20—Controlling or monitoring the operation of devices; Data handling
    • G07D11/32—Record keeping

Definitions

  • the invention relates to a method for identifying the payer of suspicious banknotes at an automated teller machine, wherein the deposited banknotes are subjected to an authenticity check in the automated teller machine and are classified into genuine, counterfeit and suspect banknotes depending on the result of the authenticity check, and the suspect banknotes are subjected to a further check outside of the ATM.
  • Category 3 includes banknotes that were neither clearly recognized as genuine nor clearly as false and were therefore classified as suspicious banknotes. They will Customer account credited as it is usually real banknotes.
  • ID markers data which are a kind of fingerprint of the banknotes
  • So-called ID markers are created by the test facility for banknotes of categories 2 and 3, with which counterfeits can be clearly distinguished from real banknotes. These ID markers are stored together with the relevant data of the deposit transaction in a database. If one of the banknotes proves to be a counterfeit during a check of the category 3 banknotes in the central bank, this counterfeit must be returned to the deposit system to which it was originally deposited. There it is read in and a comparison program determines the ID marker belonging to the banknote together with the transaction data from the database.
  • the invention is based on the object of specifying a method of the type mentioned at the beginning with which the tracing back of suspicious banknotes recognized as forgeries to the payer can be facilitated and made more secure.
  • This object is achieved in a method of the type mentioned at the outset in that at least the banknotes classified as suspicious are provided in the automated teller machine with an imprint which enables the banknote to be uniquely assigned to a specific transaction.
  • the ID markers with the transaction data are not saved by printing on the banknote. Furthermore, the counterfeits do not need to be transported back to the machine. There is also no need to enter the banknotes in the ATM and to provide a separate software program for tracing.
  • Another advantage is the higher accuracy that is achieved with the method according to the invention, since the banknote was clearly assigned to the payer already during the deposit by the imprint and does not, as in the previous method, have to search for a data record corresponding to the banknote from a large amount of data ,
  • the printing is preferably carried out using an ink which is invisible to the human eye, so that the banknote can continue to be used. Conversely, such an ink can also be selected that is made visible can, if the banknote has turned out to be a forgery, so that the banknote is then also made unusable at the same time.
  • the imprint should include the ATM identification data and transaction identifying data including the date and time.
  • the bank sort code and the machine's identification number are usually used to identify the ATM.
  • the transaction is assigned a number, via which the further assigned data such as account number, payer and the like can be determined in a journal. This makes it possible, even with a limited number of digits or printing points, to correctly assign the banknote to a specific payment transaction.
  • the data is printed on the note in the form of a barcode.
  • the invention also relates to an automated teller machine for carrying out the above-mentioned method, which has an input unit for banknotes, a test unit for checking the authenticity of the entered banknotes, at least one memory for storing non-objectionable banknotes, at least one memory for receiving objectionable banknotes, transport devices for transporting banknotes within of the automated teller machine and a data processing and control device for controlling all the units of the automated teller machine and in which a printing device is arranged in the transport path of the banknotes inside the automated teller machine, which can be controlled as a function of test signals generated by the test unit in order to print a tested banknote to provide.
  • the printing device can be any digitally controllable printing device or also a stamping device which, for example, has an unchangeable stamping part with the bank management number and the machine number as well as a variable stamp part with which the date, the time and the transaction number can be printed.
  • the printing device is preferably an inkjet printer.
  • the following description explains the invention in conjunction with the accompanying drawing using an exemplary embodiment.
  • the single figure shows a schematic representation of the elements of an automated teller machine that are essential for the method according to the invention and the transaction steps.
  • the ATM is suitable for depositing and withdrawing banknotes, provided that deposited banknotes, authenticity and mechanical quality, can also be issued again.
  • the ATM has an input module 12 for receiving a bundle of banknotes and an output module 14 for issuing bundles of banknotes.
  • the input module 12 is followed by a checking device 16 which checks the authenticity of the input banknotes.
  • the banknotes to be issued are taken from a banknote storage device 18, which can contain roll storage or banknote cassettes in a manner known per se. This storage device 18 is generally filled from the outside.
  • deposited banknotes that have been found to be genuine and whose mechanical quality is also in order can be stored in the storage device, so that they can be paid out directly to customers.
  • a quality checking device 20 is used, which is connected downstream of the authenticity checking device 16 and which subjects the paid-in banknotes to a "fitness test". Worn or damaged banknotes are not returned to the circuit.
  • a data processing and control device 22 serves a data processing and control device 22. Furthermore, the various units are connected to one another by transport devices for the banknotes.
  • the test device 16 classifies the banknotes into different categories. All papers that the tester does not recognize as banknotes are assigned to category 1 (Kl). This includes illegible banknotes, foreign currencies, blanco papers, check forms and the like. Category 1 papers are immediately sent to the bundle output of the output module and reissued to the payer.
  • Banknotes that have been identified as clear counterfeits are assigned to Category 2 (K2). They will be retained and passed on to the national authorities. The amount will not be credited to the account. The police are informed.
  • Banknotes whose authenticity cannot be clearly determined are suspect banknotes and are assigned to category 3 (K3). According to the invention, they are imprinted in a printing device 24 and sent to the central bank for further checking.
  • the printing device 24 is preferably an inkjet printer.
  • the print is preferably made with an ink invisible to the human eye and preferably includes the bank code, the machine number, date, time and the transaction number.
  • the transaction number refers to a journal in which all the data relevant to the transaction are stored, in particular the data of the account to which a deposit should be made. If the banknote turns out to be a counterfeit, the account can be immediately printed on the banknote. owner and thus usually also the payer. It is preferably provided that the data is printed on the note in the form of a bar code.
  • the printer 24 can also be arranged such that both the category 2 banknotes and the category 3 banknotes can be imprinted.
  • Banknotes that were clearly recognized as genuine are assigned to category 4 (K4). They pass through the fitness tester 20. The banknotes, the mechanical quality of which is perfect, are fed to the storage device 18. The rest are sent to the filling center, where a decision is made about their further use.

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Inspection Of Paper Currency And Valuable Securities (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé permettant d'identifier la personne déposant des billets de banque suspects dans une billetterie automatique. Les billets de banque encaissés dans la billetterie automatique sont soumis à une vérification et en fonction du résultat de cette opération de vérification, sont classifiés en billets valides, en billets contrefaits et en billets non suspects. Les billets suspects sont soumis à une autre vérification, en dehors de la billetterie automatique. Au moins les billets de banque classifiés comme suspects, sont munis dans la billetterie automatique, d'une surimpression permettant une attribution univoque des billets concernés à une transaction déterminée.
EP05732029A 2004-04-28 2005-04-07 Procede et dispositif pour identifier la personne deposant des billets de banque suspects dans une billetterie automatique Withdrawn EP1745443A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102004020665A DE102004020665A1 (de) 2004-04-28 2004-04-28 Verfahren und Vorrichtung zur Identifizierung des Einzahlers verdächtiger Banknoten an einem Geldautomaten
PCT/DE2005/000621 WO2005106806A2 (fr) 2004-04-28 2005-04-07 Procede et dispositif pour identifier la personne deposant des billets de banque suspects dans une billetterie automatique

Publications (1)

Publication Number Publication Date
EP1745443A2 true EP1745443A2 (fr) 2007-01-24

Family

ID=34964532

Family Applications (1)

Application Number Title Priority Date Filing Date
EP05732029A Withdrawn EP1745443A2 (fr) 2004-04-28 2005-04-07 Procede et dispositif pour identifier la personne deposant des billets de banque suspects dans une billetterie automatique

Country Status (4)

Country Link
US (1) US20070219927A1 (fr)
EP (1) EP1745443A2 (fr)
DE (1) DE102004020665A1 (fr)
WO (1) WO2005106806A2 (fr)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7401730B2 (en) 2006-09-15 2008-07-22 Ncr Corporation Self-service deposit method and apparatus
JP5900251B2 (ja) * 2012-09-03 2016-04-06 沖電気工業株式会社 紙幣処理装置
EP3869435A1 (fr) * 2020-02-19 2021-08-25 Francesco Vigotti Système de suivi des transactions de billets de banque

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE461359B (sv) * 1987-06-30 1990-02-05 Global Security Ab Saett och anordning foer osynlig maerkning av sedlar eller vaerdehandlingar
AT388863B (de) 1987-10-14 1989-09-11 Abbrederis Heinrich Vorrichtung zur reinigung von flaechen
DE3737802A1 (de) * 1987-11-06 1989-05-18 Gao Ges Automation Org Vorrichtung zur automatischen entwertung von banknoten
DE69319219T3 (de) * 1993-02-17 2004-05-06 Kba-Giori S.A. Vorrichtung und Verfahren zum Prüfen von Drucksachen
GB9707243D0 (en) * 1997-04-09 1997-05-28 Ncr Int Inc Self-service deposit method and apparatus
SE9803616D0 (sv) * 1998-10-22 1998-10-22 Nybohov Dev Ab Sedelhanteringsmaskin
DE10051554A1 (de) * 2000-10-18 2002-05-02 Giesecke & Devrient Gmbh Vorrichtung und Verfahren zur Ablage von Banknoten
US6598723B2 (en) * 2000-12-15 2003-07-29 Kubota Corporation Clutch operating apparatus
US6550671B1 (en) * 2002-01-31 2003-04-22 International Business Machines Corporation Cash register and method of accounting for cash transactions
US20040083175A1 (en) * 2002-10-23 2004-04-29 Ncr Corporation Self-service deposit method and apparatus

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO2005106806A2 *

Also Published As

Publication number Publication date
WO2005106806A2 (fr) 2005-11-10
WO2005106806A3 (fr) 2007-12-21
US20070219927A1 (en) 2007-09-20
DE102004020665A1 (de) 2005-11-24

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