WO2020181301A1 - Système de traitement de billets de banque - Google Patents

Système de traitement de billets de banque Download PDF

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Publication number
WO2020181301A1
WO2020181301A1 PCT/ZA2020/050002 ZA2020050002W WO2020181301A1 WO 2020181301 A1 WO2020181301 A1 WO 2020181301A1 ZA 2020050002 W ZA2020050002 W ZA 2020050002W WO 2020181301 A1 WO2020181301 A1 WO 2020181301A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank notes
bank
genuine
data
notes
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.)
Ceased
Application number
PCT/ZA2020/050002
Other languages
English (en)
Inventor
Dean Shane MARCUS
Stanley Marcus
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of WO2020181301A1 publication Critical patent/WO2020181301A1/fr
Anticipated expiration legal-status Critical
Ceased 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
    • 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
    • G07D11/24—Managing the inventory of valuable papers
    • 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
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency

Definitions

  • This invention relates to a system for processing bank notes.
  • a customer pays a cashier in cash for goods purchased or services rendered.
  • the cash is counted, and then stored in a till drawer.
  • Cash accumulates in the till drawer until the cashier removes the cash, usually for transfer to a place of safekeeping.
  • the cash is ready to be transferred to a bank.
  • the cash is placed in a container for collection by a transport service, such as an armoured car company, for conveyance to a central sorting location or to a bank.
  • a transport service such as an armoured car company
  • EP2414243 discloses an apparatus for forming stacks of sheet documents, i.e. bank notes, and a corresponding method thereof which relates to the sorting of bank notes into different denominations or currencies.
  • the CPS 1200 also known as the De La Rue 7000, is a document handling apparatus intended to facilitate the processing of bank notes, which counts, verifies, sorts, and bundles banknotes which are suitable or fit for use. Unfit bank notes are destroyed.
  • the invention provides a system for processing bank notes which includes the following: a) a housing for receiving bank notes;
  • Non-usable in this context means that the bank notes no longer constitute legal tender.
  • the bank notes may be rendered non-usable using any suitable technique e.g. the notes may be damaged, shredded, torn, perforated or marked with an indelible dye.
  • the manner in which the bank notes are rendered non-usable is not limited in this respect.
  • the housing may include a receptacle for receiving the bank notes.
  • a slot or opening may be formed in the housing through which the bank notes can be placed into the housing. Thereafter the bank notes are transferred to the receptacle.
  • the data capture device may include a scanner which is located at or near the slot, thereby to scan the bank notes and capture relevant information relating to each bank note. Such information may include at least the serial number of the bank note and its denomination. An image may be kept of each bank note.
  • the bank notes are preferably subjected to a validation process to ascertain whether the bank notes are genuine i.e. legal currency. False or counterfeit bank notes are eliminated, put to one side, and are not further processed in the system, i.e. they are not rendered non- usable.
  • the system may include a processor, in communication with the data capture device, to receive and process the data relating to each bank note and to transfer the data to the communication module.
  • the processor may calculate a sum (the total) of the denominations of all of the genuine bank notes i.e. generate a record of the value of all of the genuine bank notes received.
  • the system may include a memory unit, linked to the processor, in which data is stored.
  • the database may be under the control of, or be located at, an institution which may be remote from the housing.
  • the institution may be a financial institution e.g. a bank with which a retailer, wholesaler or other entity, which is a party to the system, has an account.
  • the data which is transferred to the database may be accompanied by a unique identifier which identifies the origin of the transaction i.e. the owner of, or an operator at the housing. At the institution the account which is owned by such entity can then be credited with the value of the genuine bank notes received and the transaction is then processed fully.
  • An input device e.g. a keyboard, and an output device e.g. a display, may be included in the system to allow an operator to exercise control over aspects of the operation and to monitor operation of such system.
  • the invention also provides an apparatus for processing bank notes which includes a housing, a deposit mechanism for inputting bank notes manually or automatically into the housing, a validation device which examines each bank note to determine whether the bank note is genuine and which enables genuine bank notes to be separated from non-genuine bank notes, a scanner which, in respect of each genuine bank note, captures data relating to a serial number and to a denomination of the bank note, a memory module in which such captured data is stored, a communication module for transferring the captured data to a designated location, and a component for then rendering each genuine bank note non-usable.
  • the scanner may generate an image of each bank note, and the image may be stored in the memory module.
  • FIG. 1 depicts an apparatus according to the invention.
  • Figure 2 shows in block diagram form a system according to the invention which is based on the use of the apparatus shown in Figure 1.
  • Figure 1 shows an apparatus 10 according to the invention for processing a bank note 12 which is one of a plurality of bank notes processed in succession by the apparatus 10.
  • the apparatus 10 includes a housing 14, a mechanism 16 for inputting bank notes into the housing 14, a validation device 18 which examines each bank note, a scanner 20 which captures data relating to each of the bank notes 12, a memory module 22 in which such captured data is stored, a communication module 24 for transferring the captured data to a database at a designated location, and a component 25 for rendering genuine bank notes non- usable. These devices function under the control of a processor 26.
  • the mechanism 16 is conventional and typically includes a roller driven bank note feeder which causes the bank notes to pass through a slot 27 into the housing 14 for further processing.
  • FIG. 2 schematically depicts a system 28 which is based on the use of the apparatus 10 and which is used for processing bank notes 12.
  • the mechanism 16 is used to receive bank notes 12 manually or automatically, and then to transfer the notes into the housing 14.
  • the system 28 is installed in a protected safe location at the premises of an entity which receives the bank notes 12 in respect of transactions to which the entity is a party, e.g. the sale of goods or rendering of services.
  • the validation device 18 examines each bank note to determine whether the bank note is genuine and enables genuine bank notes 30 to be separated from non-genuine bank notes 32. This type of device is known in the art.
  • the scanner 20 captures data 34 relating to a serial number and to a denomination of each genuine bank note 30. Optionally a full image of at least one side of each genuine bank note 30 is also captured and recorded. All the data pertaining to the genuine bank notes is stored in the memory module 22. If desired similar data pertaining to the non-genuine bank notes 32 can also be captured and logged, if necessary by using another scanner (not shown).
  • the communication module 24 transmits the captured data 34, taken from the module 22, to a database 40 of a financial institution 42, such as a bank, at which an entity, which makes use of the system 28, has an account.
  • a communication link between the module 24 and the database 40 could be physical e.g. via conductors or via a fibre optic cable, or wireless techniques could be employed.
  • a unique identifier is simultaneously generated and transferred to the institution to identify the origin of the data and all details pertaining to the transaction.
  • the system 28 includes an input device 36 to exercise control over aspects of the operation of the system and an output device 38 which allows an operator to monitor or view operation of such system.
  • the input device 36 is a keyboard and the output device 38 is a display, this is exemplary only and the devices can take any suitable form.
  • the genuine bank notes 30 are transferred into a receptacle 46 (shown in dotted outline in the housing).
  • the notes in the receptacle are thereafter rendered non-usable by operation of the component 26.
  • the notes 30 could be shredded, torn, perforated or marked with an indelible dye by the component 25.
  • the component 25 is a shredder and the bank notes 30 are shredded to produce waste 47 which is discarded, as required.
  • the financial component of the data 34 i.e. the sum of the money values of the shredded genuine bank notes, is stored in the database 40 of the financial institution 42 and is credited to the entity’s account (step 48).
  • Recording of the transactions can occur in real time as the bank notes 12 are scanned and as the captured data is transferred to the module 22 and then, from the module 22 to the institution. This is a preferred mode of operation. Alternatively, the data could be transferred in batches at predetermined time intervals to the institution.
  • the non-genuine notes 32 are not destroyed but are kept for treatment according to a protocol 50, the nature of which is not important to an understanding of the present invention. As stated a record of relevant details of the non-genuine bank notes 32 can be generated by the scanner 20, or by means of a second scanner, not shown.
  • the invention enables cash transactions to be processed at a financial institution as they occur, i.e. in real time, thereby creating the possibility to have the genuine bank notes destroyed or marked immediately, or soon after each transaction is completed.
  • usable bank notes are not kept on the entity’s premises, e.g. a store or service centre.
  • the need to transport bank notes physically from a store (for example) to a bank or to a similar financial institution is eliminated. This feature will help to deter robbery and heist attempts in store and during transport of the bank notes, from a store to a bank or other institution.
  • the benefit of the invention provided to an entity that handles in-coming cash is significant in that the opportunity to access usable banknotes is eliminated once the banknotes are effectively destroyed.
  • the likelihood of a cash robbery or a heist occurring is significantly reduced.
  • the destroyed genuine bank notes have an intrinsic value viz cost of manufacture thereof, such value would normally be exceeded by the cost of handling the genuine bank notes in a conventional way - such cost includes transport, security and insurances and, moreover, is accompanied by a heightened risk of attack or robbery in which personnel are exposed to violence, possible injury and death.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un appareil pour traiter des billets de banque et rendre des billets de banque authentiques non utilisables.
PCT/ZA2020/050002 2019-03-05 2020-01-08 Système de traitement de billets de banque Ceased WO2020181301A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA201901358 2019-03-05
ZA2019/01358 2019-03-05

Publications (1)

Publication Number Publication Date
WO2020181301A1 true WO2020181301A1 (fr) 2020-09-10

Family

ID=69188033

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2020/050002 Ceased WO2020181301A1 (fr) 2019-03-05 2020-01-08 Système de traitement de billets de banque

Country Status (1)

Country Link
WO (1) WO2020181301A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998003942A1 (fr) * 1996-07-19 1998-01-29 Yngve Johnsson Methode et dispositif pour traiter des systemes de paiement et systeme de paiement
EP2414243A2 (fr) 2009-04-02 2012-02-08 De La Rue International Limited Appareil de ficelage pour ficeler des piles de documents en feuilles, appareil pour former des piles de documents en feuilles, et procédés correspondants
US20140304153A1 (en) * 2011-11-10 2014-10-09 Yngve Johnsson Method and a device for bank note handling

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998003942A1 (fr) * 1996-07-19 1998-01-29 Yngve Johnsson Methode et dispositif pour traiter des systemes de paiement et systeme de paiement
EP2414243A2 (fr) 2009-04-02 2012-02-08 De La Rue International Limited Appareil de ficelage pour ficeler des piles de documents en feuilles, appareil pour former des piles de documents en feuilles, et procédés correspondants
US20140304153A1 (en) * 2011-11-10 2014-10-09 Yngve Johnsson Method and a device for bank note handling

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