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NL1043386B1 - Physical control system for virtual money - Google Patents

Physical control system for virtual money Download PDF

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Publication number
NL1043386B1
NL1043386B1 NL1043386A NL1043386A NL1043386B1 NL 1043386 B1 NL1043386 B1 NL 1043386B1 NL 1043386 A NL1043386 A NL 1043386A NL 1043386 A NL1043386 A NL 1043386A NL 1043386 B1 NL1043386 B1 NL 1043386B1
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Netherlands
Prior art keywords
interaction device
budget
user
interaction
items
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NL1043386A
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Dutch (nl)
Inventor
Martinus Maria Kooijmans Tijn
Reeskamp Wouter
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Nbank B V
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Priority to NL1043386A priority Critical patent/NL1043386B1/en
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Publication of NL1043386B1 publication Critical patent/NL1043386B1/en

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    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A physical control system for virtual money which supports a user in allocation, partitioning, transferring and/or tracking of parts of virtual money to budget items, such as savings goals, investment objects and stocks. The system comprises a representation means representing a layout of budget items, a handheld interaction device for communicating the balante of a budget item to the user and/or to an external computer. The interaction device has a sensor for detecting and identifying a budget item, and a switch arranged for being set in a transfer status initiating the transfer of virtual money to or from the detected budget item. The interaction device can wirelessly exchange information, i.e. transfer- or status information with an external computer such as a smartphone. The budget items may be instantiated in separate displays, cards, boxes or trays, which may be provided with a budget identifier supporting identification by the interaction device.

Description

PHYSICAL CONTROL SYSTEM FOR VIRTUAL MONEY
TECHNICAL FIELD The invention relates to virtual money. More particular the invention relates to linking the management of virtual money to the management of real money.
BACKGROUND In many countries, the physical interaction with real money is diminishing. Instead of handling cash money, more and more people just transfer money from one bank account to another. Research suggests that delay in information on what is spent leads to overspending or at least less sense of what a person currently possesses and the insight in what can be spend in a responsible manner. It is also assumed that willingness to pay is greater in a digital money condition as compared with the cash condition. By means of regulations and culture, some groups are not allowed to participate in the digital money economy because of these reasons. There are particular groups of people who are especially affected by this problem. On the one hand there is a group of low-literate people who find it difficult to calculate and to predict daily life costs and income. On the other hand, according to study, children who do not develop good money habits at a younger age will run the risk of not developing money management skills in their adulthood. One reason for under developing money habits is that pocket money habits are changing, with pocket money increasingly being deposited into children’s bank accounts, at around eight percent, compared to three percent a generation ago, or no pocket money is given at all. Parents who provide children with pocket money, do this typically form the age of 5-10 years. Agreements may be made between parent and child on the items or category of items the child is allowed or stimulated to spend the pocket money on. For this purpose, child and parent often agree to save money for a particular saving goal. In the past, a child could have for example 3 jars, each tagged as a saving goal, such as games, sport or cloths. Ever since modern parents also choose to allocate digital pocket money to a child (through the child's bank account), a physical relation to money is lost. Bank accounts usually do not provide allocation of pocket money to certain categories, or if they do, do not provide insight for a child in this system.
Furthermore, banks only allow adults, or at best only children from the age of 12, to have a checking account. This means that the child, or in practice more often a parent needs to keep track of the saved money and allocate money to saving goals. Involving a child in this process is nearly undoable for obvious reasons. All in all, this is very cumbersome and make involvement of the mentioned particular groups difficult.
DISCLOSURE OF INVENTION It is an object of the present invention to provide a system, method and device which enables a user to gain control and insight in balances of saving goals and budget items.
The object is realized by the following clauses.
1. A system for supporting a user in the allocation, partitioning, transferring and/or tracking of parts of a monetary asset to multiple budget items, such as saving goals, the system comprising a processor unit for the partitioning, allocating and/or tracking of the monetary asset, an interaction device for communicating the balance of a budget item of the multiple budget items to the user, characterized in that, - the monetary asset comprises virtual money; - the system further comprises a representation means arranged for representing the multiple budget items in a laid out manner; - the interaction device comprises a device arranged for being handheld, said interaction device configured with a sensor arranged for detecting a proximity of a discrete budget item of the laid out budget items of the representation means. - the interaction device further configured with a switch arranged for being set in a transfer status initiating the processor to transfer a part of the money asset to or from the detected budget item.
2. The system according to clause 1, characterized in that the interaction device is further configured with a wireless communication device arranged for exchanging information between the interaction device and an external computer.
3. The system according to clause 2, characterized in that the external computer comprises any one of the group comprising:
- a smartphone; - a personal computer or a laptop; - a server connected via Internet to a router which is accessible by the interaction device. - a similar interaction device.
4. The system according to any one of the clauses 2-3, characterized in that the external computer is arranged for communicating via a wireless connection with the interaction device.
5. The system according to clause 4, characterized in that the wireless connection is a Near-field communication connection.
6. The system according to any one of the clauses 2-5, characterized in that the external computer is arranged for running an application, said application configured for processing the communicated information and for storing said information on a second memory of the one or more memory units.
7. The system according to any one of the clauses 2-6, characterized in that the application is further arranged for allowing the user of the external computer to increase or decrease the money asset or parts of the money assets, and/or authorize the transferring of parts of the money asset to and from the budget items.
8. The system according to any one of the preceding clauses, characterized in that multiple representation means are arranged for being accessible by a single interaction device, whereby the information and possibilities for transfer are selectable, based on predetermined user authorization and/or authorization level.
9. The system according to any one of the preceding clauses, characterized in that a single representation means is arranged for being accessible by multiple interaction devices, whereby the information and possibilities for transfer are selectable, based on predetermined user authorization and/or authorization level per interaction device.
10. The system according to any one of the preceding clauses, characterized in that authorization for transferring and/or access to information is code protected.
11.The system according to any one of the preceding clauses, characterized in that the system comprises a charger device arranged for charging the battery of the interaction device.
12. The system according to any one of the preceding clauses, characterized in that the system comprises a code input device, which, when a correct code is entered, authorizes access to one or more budget items by the interaction device.
13. The representation means according to any one of the preceding clauses, characterized in that the representation means comprises interchangeable display items, such as cards, chips, figures each representing a budget item.
14. The representation means according to clause 13, characterized in that a display item of the display items comprises a budget identifier arranged for the interaction device to identify a correlated budget item.
15.The representation means according to clause 14, characterized in that the budget identifier comprises any one of the group comprising: - a Near-field communication tag; - a barcode or an optical code; - a marker such as a fiducial; - an electronic identifier such as a resistor or an array of resistors - one or more symbols indicating a class, a category or a budget item.
16.The representation means according to any one of the preceding clauses, characterized in that the representation means comprises an output means arranged for providing information to the user.
17.The representation means according to any one of the clauses 14-16, characterized in that the budget identifier is comprised in a discrete physical object, such as a box, a slot or a tray.
18.The representation means according to any one of the preceding clauses, characterized in that the representation means is comprised in an external computer, such as a personal computer, a laptop, a smart phone or tablet, said representation means generated by a software application running on said computer.
19. An interaction device, arranged for being handheld, for use in a system according to any one of the preceding clauses, characterized in that the interaction device is configured with: - a battery; - a sensor arranged for detecting a proximity of a discrete budget item of the laid out budget items of the representation means.
20. The interaction device according to clause 19, characterized in that the sensor is a near field communication device arranged for communicating with a near field communication tag comprised in a budget identifier of the representation means, said budget identifier representing the budget item.
5 21.The interaction device according to any one of the preceding clauses, characterized in that the interaction device comprises an output means and output processing logic, arranged for providing information to the user.
22.The interaction device according to clause 21, characterized in that the output means comprises any one of the group comprising: - a visual display arranged for providing visual output; - a speaker arranged for providing a sound output; - a tactile output device for providing a tactile output.
23.The interaction device according to clause 21 or 22, characterized in that the information comprises any one of the group comprising: - the current total value of the monetary asset; - the current value of a part of the money asset allocated to the detected budget item; - alerts in dependence of balance of the money asset or budget items; - notifications of offerings, such as in relation to budget items; - feedback on the interaction by the user with the interaction device or other elements of the system; - status information of elements of the system, such as a battery status of the interaction device.
24.The interaction device according to any one of the preceding clauses, characterized in that the interaction device comprises a switch arranged for being pushed, moved forward or backward, and/or rotated clockwise or anti-clockwise, whereby in a correlation with the movement and/or the position of the switch a part of the money asset is transferred to or from the detected budget item.
25. The interaction device according to any one of the clauses 19-24, characterized in that said correlation comprises any one of the group: - setting the switch in a forward position initiates transferring to the detected budget item; - moving the switch forward initiates transferring to the detected budget item;
- moving the switch backward initiates transferring from the detected budget item; - faster or slower moving of the switch initiates transferring a larger or smaller part respectively, of the money asset to be transferred; - moving the switch further from the center initiates transferring a larger part of the money asset to be transferred.
- turning the switch initiates reverse transferring; - rotating the switch clockwise or anti-clockwise initiates transferring a larger or smaller part respectively, of the money asset to be transferred; - pushing initiates the transferring.
26.The interaction device according to any one of the preceding clauses, characterized in that the interaction device comprises a communication device arranged for exchanging information between the interaction device and an external computer.
27.The interaction device according to any one of the clauses 19-26, characterized in that the sensor comprises any one of the group comprising: 16 - a near-field communication reader arranged for reading a near-field communication tag incorporated in a budget identifier of the multiple budget identifiers, a budget item of the multiple budget items, and/or a card - an optical code reader arranged for reading for instance a barcode or QR code displayed on a budget identifier of the multiple budget identifiers; - a camera and image reading logic for image recognition, arranged for recognizing and identifying discrete budget identifiers of the multiple budget identifiers.
- a contact-based method where a resistor-divider is used to identify the budget identifiers of budget items.
28.The interaction device according to any one of the preceding clauses, characterized in that the interaction device comprises a first memory unit of the one or more memory units, said interaction device further arranged for storing information of any one of the group comprising: - the current value of the total money asset; - the parts that are transferred to and from the multiple budget items; - the balance of the multiple budget items.
29.A method for supporting a user in the allocation, partitioning, transferring and/or tracking of parts of a monetary asset to multiple budget items, such as saving goals,
the method comprising that a processor unit partitions, allocates and/or tracks the monetary asset, and an interaction device communicates the balance of a budget item of the multiple budget items to the user, characterized in that, the monetary asset comprises virtual money and the interaction device comprises a device arranged for being handheld, whereby the method further comprises the steps of: A. the user bringing the interaction device into close contact with a representation means arranged for representing the budget items in a laid out manner; B. a sensor of the interaction device detects a proximity of a discrete budget item of laid out budget items of the multiple budget items; C. the user sets a switch of the interaction device into a transfer status initiating the processor to transfer a part of the money asset to or from the detected budget item.
30.The method according to clause 29, characterized in that the method further comprises the steps of: D. the user bringing the interaction device into close contact with an external computer; E. the interaction device exchanging information between the interaction device and the external computer.
31.The method according to clause 30, characterized in that the step D exchanging information comprises: - the virtual money asset is synchronized with a current balance of real money that is allocated to the user; - a balance of a budget item or the multiple budget items is stored in the memory of the external computer; - a status of the interaction device and/or the representation means is communicated to the external computer.
- an authorization level is changed by the external computer, said authorization level comprises access to, or authorization for transferring a part of the money asset to a budget item.
BRIEF DESCRIPTION OF THE DRAWINGS The figures show views of embodiments in accordance with the present invention.
FIGURE 1 shows a perspective view of a part of the invented system FIGURE 2 shows a schematic overview of the invented system.
DETAILED DESCRIPTION The invention is now described by the following aspects and embodiments, with reference to the figures. In summary and in a preferred embodiment the invention comprises a physical control system for virtual money which supports a user in allocation, partitioning, transferring and/or tracking of parts of virtual money to budget items, such as savings goals, investment objects and stocks. The system comprises a representation means representing a layout of budget items, a handheld interaction device for communicating the balance of a budget item to the user and/or to an external computer. The interaction device has a sensor for detecting and identifying a budget item, and a switch arranged for being set in a transfer status initiating the transfer of virtual money to or from the detected budget item. The interaction device can wirelessly exchange information, i.e. transfer- or status information with an external computer such as a smartphone. The budget items may be instantiated in separate displays, cards, boxes or trays, which may be provided with a budget identifier supporting identification by the interaction device. FIGURE 1 shows a part of the invented system 100, wherein an interaction device 101 is shown in an inserted position in a hollow 129b of budget identifier 121b. Budget identifier 121b is part of an array of multiple budget identifiers 121a,b,c,d of a representation means 120. Representation means 120 is depicted as an array of budget identifiers, but other configurations are possible as well. Budget identifiers 121a,b,c,d are for example configured with a hollow entry 129a,b,c,d respectively for receiving interaction device 101. But they may also be configured as flat display card for example. Alternatively, budget identifiers may also be represented on a display in a virtual environment, using a software application. By equipping budget identifiers 121a,b,c,d with identifiers such as NFC or optical codes, interaction device 101 is able to, when inserted in the hollows 129a,b,c,d respectively, detect in which budget identifier interaction device 101 is inserted. For this purpose interaction device 101 may be equipped with an NFC reader or optical scanner respectively. Budget identifiers
121a,b,c may in this example be provided with pictures or icons 123a,b,c each representing a budget item, in other words a saving goal. Budget identifier 121d may be related to a special budget item, or to the general budget incorporating all budget items. Additonally, or instead, the budget identifier may be configured as an access point which provides authorization to the user of interaction device 101. Authorization may be provided for e.g. access or transfer rights of the user. Access may for example be granted by entering a correct code in keypad 124. Speaker 125 and a digital sound processor and logic may be provided to communicate with the user, for example when entering a code, or when accessing status information. Building the speaker in the representation means or a dedicated budget identifier may replace or complement a speaker in interaction device 101. Instead of, or in addition to a speaker, other output means may be configured as well, as described in above clauses. Budget identifier 121d, with or without a relation to a budget item, may be configured as charger for the battery of interaction device 101 and or representation means 120. This charger may also comprise a separate charger with or without the additional functionality of for example an access point.
When displayed on a screen of a smart phone, a tablet or a laptop for example, as generated by a software application, interaction device 101 may for example be equipped with a camera and image recognition software for identifying the budget item to which interaction device 101 is closest to or pointed towards.
When e.g. using a tablet the tablet may be connected to a board which may represent the budget items 121a,b,c and a connection between the board and the tablet may be established in a similar manner as described in patent application EP2670497 of applicant Studio Sophisti V.O.F. This may for example enable further gamification or possibilities for user interaction.
Alternatively or additionally, text labels 122a,b,c may be provided. Figure 1 shows interaction device 101 inserted in a box which comprises a budget identifier 121b. The related budget item, in this case “sports” as displayed in icon 123b and text label 122b is identified by interaction device 101 and subsequently the part of the money asset, i.e. amount of money allocated to budget item “sports” is displayed in display 104. This and other information about the money asset, budget items, saving goals, rewards, special actions, offerings, interaction etcetera may also be communicated using other output logic and output means such as a sound processor and a speaker 105,
preferably built in in interaction device 101. A user, such as a child may further interact with representation means 120 through interaction device 101 by transferring virtual money (as part of the money asset) to and from a budget item, in the example to and from budget item “sports”. Interaction may for example be done by moving switch 102 towards budget identifier 121b for adding virtual money to that budget item, and withdraw virtual money form the budget item by moving switch 102 backwards, away from budget identifier 121b. With this configuration, the child is offered a physical interaction, in relation to the handling of virtual money which intuitively reflects interaction with real money. By making a physical movement, the child grasps a sense of real money. The child will immediately become aware of the consequences of dividing pocket money per budget item. By getting feedback on the current balance, and optionally getting information on the amount of money needed to reach the saving goal, the child will be motivated to save money and will be rewarded when a saving goal is reached.
FIGURE 2shows a schematic overview of the invented system, whereby representation means 120 can communicate with interaction device 101 by means of wireless communication 1001 (e.g. using RFID technology). Interaction device 101 is operated 1011 by a first user 200. Interaction device 101 may communicate wirelessly 1002 with external computer 102, e.g. using a Bluetooth wireless connection. A second user 300 (which may be the same as the first user) operates 1012 external computer
102.
In the given examples, budget items comprise saving goals which are typical for a child. The invention provides that also saving goals for adults may be managed in this way. Especially for elderly and illiterate people, the invention will provide more control and enables keeping track of expenses, and saving goals. For children, the invention provides various means to get acquainted with handling of real money and improve money behavior at a later age. The invention therefor has a large educational value, especially for children.
The invention also provides controlling of spending or allocating money in other application areas, such as the management of investment objects or stocks. One may for example have available a certain amount of money, which may be distributed over multiple investment objects. Although the allocation of virtual money to these investment objects is only realized in real money when a real money transfer is initiated, one may easily allocate virtual money, and withdraw virtual money and get immediate insight in the value of the various budget items. The value of the budget items may even fluctuate in dependence of the fluctuations that are present in the real world. A software application which has access to these market values, may translate these fluctuations into fluctuations of the virtual money. One may then decide to buy or sell real investment objects, based on the information provided by the invented system. The virtual money may be expressed in regular currency, or in blockchain currency. The value of the blockchain currency may fluctuate in a similar manner as described above.
The interaction device may comprise a box, with built-in speakers, a display etcetera, but it may also be just a token, such as a key, or a card which comprises an identifier which enables the system to identify to whom the interaction device belongs or who is handling the device. Typically, in a family, each family member (or only the children) may have a token, and when one of the family members holds her token near the representation means, the balance of the identified budget item in relation to her token is shown. Alternatively, a single interaction device may be used by every family member, but the interaction device itself is arranged for identifying which family member is using the device. The device may for this purpose be equipped with a code entry device (e.g. keypad 124), a fingerprint scanner or a face recognition device. The interaction device may comprise a smartphone which features many of the described characteristics of the invented interaction device, by running a software application.
Communication between the interaction device and the external computer may be done using the Bluetooth or a comparable short range wireless communication protocol. By using this short-range communication method, the external computer may also be able to determine if the interaction device is in close range and even determine the direction of the signal of the interaction device. This further stimulates a real interaction of a user with the external computer. For example, a parent handling a handheld external computer device, such a s a smartphone may stimulate a child in this way to make personal contact with the parent when exchanging information, or asking for (virtual) pocket money.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that a person skilled in the art will be able to design many alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim.
Use of the verb "to comprise" and its conjugations does not exclude the presence of elements or steps other than those stated in a claim.
The term "and/or" includes any and all combinations of one or more of the associated listed items.
The article "a" or "an" preceding an element does not exclude the presence of a plurality of such elements.
The article "the" preceding an element does not exclude the presence of a plurality of such elements.
In the device claim enumerating several means, several of these means may be embodied by one and the same item of hardware.
The mere fact that certain measures are recited in mutually different dependent claims does not indicate that a combination of these measures cannot be used to advantage.

Claims (1)

CONCLUSIESCONCLUSIONS 1. Een syslsem voor hel ondersteunen van gen gebruiker bi het toewijzen, partitioneren, overdragen en/of volgen van delen van een monetair activum aan mserders posten, zoals spaardoslen en uitgaven, waarbij het systeem bestast uit sen processoreenheld voor het partitionsren, toewijzen en/of volgen van het monetair activum, een interactie apparaat voor het comruniceren van het saldo van gen post van de meerdere posten aan de gebruiker, met het kenmerk dat, ~ hat monetaire activum virtueel geld omvat; - hei sysleem verder sen represeniatie middel omvat dat is ingericht om de meerdere posten ap sen vastgestelde wijze te representeren; - het interactie apparaat bestaat ull sen apparaat dat is geconfigureerd om met de hand vast te houden, dit interactie apparaat datis ingesteld met gen sensor die is ingericht voor het detecteren van sen nabijheid van ean discrete begrotingspost van de vastgestelde posten van het verlegenwoordigings middel.1. A system for supporting a user in allocating, partitioning, transferring and/or tracking parts of a monetary asset to mail servers, such as savings accounts and expenses, where the system consists of a processor unit for partitioning, allocating and/or or tracking the monetary asset, an interaction device for communicating the balance of gene items of the plurality of items to the user, characterized in that the monetary asset comprises virtual money; the system further comprises a representation means arranged to represent the plurality of posts in a predetermined manner; - the interaction device consists of a device configured for hand-holding, this interaction device set up with a sensor that is arranged to detect a proximity to a discrete budget item of the defined items of the presenting means. ~ het interactie apparaat verder is geconfigureerd met sen schakelaar die ís ingericht om in sen overdrachissiatus gezel te worden waarmee de processor sen desi van hat monslalr aciivum overdraagt naar of van de gedstecteerde post,~ the interaction device is further configured with a switch that is arranged to become a companion in sen overdrachissiatus with which the processor transfers sen desi of the monslalr active to or from the designated station, 2. Het systeem volgens conclusie 1, met het kenmerk dat het interactie apparsat verder is geconfigureerd mat sen draadloos communicatieapparaat dat is ingericht voor het uitwisselen van informatie lussen het interactie apparast en een exteme computer.The system according to claim 1, characterized in that the interaction device is further configured with a wireless communication device adapted to exchange information between the interaction device and an external computer. 3. Het sysisem volgens conclusie 2, met het kenmerk dat de externe computer bestaat uit één van de groep bestaande uil: «ean smartphons: ~ gan persons! computer of zen laptop;The system according to claim 2, characterized in that the external computer consists of one of the group consisting of: « ean smartphons: ~ gan persons! computer or zen laptop; - gen server die via internet is verbonden met een router die toegankelijk is voor het interactie apparaat, - aen soortgelijk interactie apparaat.- a server connected via the Internet to a router accessible by the interacting device, - a similar interaction device. 4, Het systeem volgens één van de conclusies 2-3, met het kenmerk dat de externe computer is mgericht voor communicatie via een draadloze verbinding met het interactie apparaat,The system according to any one of claims 2-3, characterized in that the external computer is adapted for communication via a wireless connection with the interaction device, 5. Het systsem volgens conclusie 4, met net kenmerk dat de draadloze verbinding esn Near-Figld Communication verbinding is.The system according to claim 4, characterized in that the wireless connection is a Near-Figure Communication connection. 8. Het systeem volgens $én van de conclusies 2-5, met het kenmerk dat de externe computer ís ingericht voor het ultvoeren van een softwarcapplicatie, welks softwareapplicatie is geconfigurserd voor de verwerking van de gecommuniceerds informatie en voor het opslaan van gencemde informatie op een tweade geheugen van de één of meerdere geheugenesnhadan,The system according to any one of claims 2 to 5, characterized in that the external computer is arranged to execute a software application, whose software application is configured to process the communicated information and to store captured information on a second memory of the one or more memory snhadan, 7. Het sysieem volgens éòn van de conclusies 26, met het kenmerk dat de softwareapplicatis verder is ingericht voor het toeslaan van de gebruiker van de externe computer om het monetair activum of delen van het monetair activum te verhogen of te verlagen, en/of de overdracht te autoriseren van onderdelen van het monetair acivum van en naar de posten.The system according to any one of claims 26, characterized in that the software application is further adapted to inflict the user of the external computer to increase or decrease the monetary asset or parts of the monetary asset, and/or the to authorize transfers of components of the monetary asset to and from the posts. 8. Het systeem volgens één van de voorgaande conclusies, met het kenmerk dat meerdere represenisiie middsien zijn ingericht om toeganksijk te zijn via één enke! interactie apparaat, waarbij de informatie en mogelijkheden voor overdracht selecteerbaar zijn, op basis van voorst bepaalde gebruikersautorisatie enol autorisatieniveau.The system according to any one of the preceding claims, characterized in that a plurality of representations are arranged in the middle to be accessible via a single! interaction device, where the information and possibilities for transfer are selectable, based on predetermined user authorization and authorization level. JO 9, Hetlsystesm volgens één van de voorgaande conclusies, met hel kenmerk dat een enkel representatie middel is ingericht om tosgankslijk fe zijn voor meerdere interactie apparaten, waarbij de informatie en mogelijkheden voor overdracht selecleerbaar zijn, op basis van voorst bepaald gebruikersautorisatis enof autorisatieniveau per interactie apparaat. -9. The system according to any one of the preceding claims, characterized in that a single representation means is arranged to be accessible to several interaction devices, wherein the information and possibilities for transmission are selectable, based on predetermined user authorization and/or authorization level per interaction. device. - 10. Het systeem volgens é8n van de voorgaande conclusias, met het kenmerk dat autorisatie voor overdracht van en/of tosgang tot informatie is beschermd met een code. |The system according to any one of the preceding claims, characterized in that authorization for transfer and/or access to information is protected by a code. | 11. Het systeem volgens één van de voorgaande conclusies, met het kenmerk dat het systeem bestaat ull sen oplader apparaat voor het opladen van de batterij van het nieraciie apparaat.The system according to any one of the preceding claims, characterized in that the system comprises a charger device for charging the battery of the renal device. 12. Het systeem volgens ósn van de voorgaande conclusies, met het kenmerk door dat het systeem bestaat uit esn code-invoerapperaal, dat, wanneer sen juisis code word! Ingevoerd, toegang auiorisegrt tot één of meerdere posten door hat interactie apparaat. ù :The system according to any one of the preceding claims, characterized in that the system consists of a code input device which, when a correct code becomes! Entered, access auiorisegrt to one or more posts through the interaction device. : 13. Een reprasentalie midde) voor toepassing in het systeem volgens één van de voorgaande conclusies, met het kenmerk dat hel representatis middel verwisselbare display tems omvat, zoals kagrten, chips, plastjes die elk een post representeren, °13. A represental medium for use in the system according to any one of the preceding claims, characterized in that the representative means comprises interchangeable display elements, such as cards, chips, plastics each representing a station, ° 14. Het represeniatis middel volgens conclusie 13, mat het kenmerk dat sen display | item van de display Hems bestaat uit een budget identifier die is Ingericht voor het interactie apparast om een gecorreleerd post te identificaren, : 15 Het represantatie midds! volgens conclusie 14, met het kenmerk dat de budget identifier bestaat uit èn van de groep bestaande uil: > sen Near-Figld Communication tag; : « gen barcode of een optische code; - ean marker zoals zen fiducial; - oan elektronische identifier zosis esn weerstand of zen mray van weerstanden; - één of mesrdere symbolen die een klasse, een categorie of zen post aanduiden.14. The representative of claim 13, characterized in that a display | item of the display Hems consists of a budget identifier arranged for the interaction device to identify a correlated item, : 15 The representation midds! according to claim 14, characterized in that the budget identifier consists of one of the group consisting of: > a Near-Figure Communication tag; : « no barcode or an optical code; - ean marker such as zen fiducial; - oan electronic identifier zosis esn resistor or zen mray of resistors; - one or more symbols indicating a class, category or zen post. 16. Het representatie middel volgens één van de voorgaande conclusies, met hat kermmerk dat het reprasentatie midde! bestaat uit zen uitvoer middel dat is Ingericht voor het verstrekken van informatie san de gebruiker, 17 Hel representatie middel volgens áén van de conclusies 14-18, met het kenmerk dat de budget identifier omvat wordt in een discreet fysiek object, zoals sen doos, esn sleuf of een houder.The representation means according to any one of the preceding claims, characterized in that it means representation. consists of a zen output means adapted to provide information to the user, a representation means according to any one of claims 14-18, characterized in that the budget identifier is contained in a discrete physical object, such as sen box, esn slot or a holder. 18 Het representatie middel volgens één van de voorgaande conclusies, met het kenmerk dat het representatis middel is omvat in een externe computer, zoals een personal computer, een laplop, sen smariphons of tablet, waarbij genoemd representatie middel is gegenereerd door sen soffwareapplicatie die op genoemde computer wordt uitgevoerd,The representation means according to any one of the preceding claims, characterized in that the representation means is contained in an external computer, such as a personal computer, a laplop, sen smariphons or tablet, said representation means being generated by a sen software application running on said computer is running, 19. Een inleractie apparaat, dat is ingericht om in de hand gshouden te worden, voor gebruik in aen sysleem volgens éón van de voorgaande conclusias, met hat kenmerk dat het Interactie apparaat is veconfigureerd mel - gen balfgrij; - gon sensor dis is Ingericht voor het detecteren van een nabijheid van sen discreet post van de gerepesenteerds posten van het representatie middel.19. An teach-in device, adapted to be hand-held, for use in a system according to any one of the preceding claims, characterized in that the Interaction device is configured with a ball gray; gon sensor dis is arranged to detect a proximity of a discrete station of the represented stations of the representation means. 20. Het interacts apparaat volgens conclusie 19, met het kenmerk dat de sensor een Near Field Communication-apparaat is dat is ingericht om te communiseren met een Near Field Communication {ag die is omvat in een budget identifier van het representatie middel, waarbij de budget identifier de post vertegenwoordigt,The interacts device according to claim 19, characterized in that the sensor is a Near Field Communication device arranged to communicate with a Near Field Communication {ag included in a budget identifier of the representation means, wherein the budget identifier represents the post, 21.Hel interacties apperaat volgens &én van de voorgaande conclusies, met het kenmerk dat het interactie apparaat bestaat ull een uilvoer middel en ultvoer à verwerkings logics, Ingericht voor het verstrekken van informatie aan de gebruiker, | 30 | 22. Het interactie apparast volgens conclusie 21, met het kenmerk dat het uitvoer | middef bestaat uit 6òn van de groep bestaande uit: ; ~ gen visuele display die is ingericht voor het leveren van visuels uitvoer; | 1043386An interaction device according to any one of the preceding claims, characterized in that the interaction device consists of an output means and outputs of processing logics, arranged to provide information to the user, | 30 | The interaction device according to claim 21, characterized in that it outputs | middle def consists of 6òn of the group consisting of: ; ~ gen visual display arranged to provide visual output; | 1043386 ~ gary speaker die is ingericht voor het leveren van sen geluidsuitvoer; - aen tactiel uitvoer apparaat dat is ingericht voor het leveren van sen tactiele uitvoer, î î & <3.Het interactie apparzal volgens conclusis 21 of 22, met het kenmerk dat de informatie bestaat uit één van ds groep bestaande uit: - de huidige totale waards van het monetaire activum; ~ Ús huidige waardes van een deel van het monetair activum dat Is toegewezen aan de gedetectesrde post; î “signaleringen in afhankelijkheid van het saldo van het monetair activum of de posten, - kennisgevingen van aanbiedingen, zoals met betrekking tot posten; » ‘fondback over de interactie van de gelruiker met het interactie apperaat of andere elementen van het systeem; : - statusinformatie van elementen van het systeem, zoals de ballerijstatus van het interactie apperaat. Î 24, Het interactie apparaat volgens èfn van de voorgaande conclusies, met het kenmerk dat het interactie apparaat sen schakelaar omvat die Is ingericht om te worden bewogen, naar voren of naar achteren, en/of rechisom of linksom, waarbij reen correlatie met de verplaatsing evol de positie van de schakelaar sen deel van hat monetair activum wordt overgeboekt naar of van de gedelectesrde post.~ gary speaker arranged to provide sound output; - a tactile output device arranged to provide a tactile output, î î & < 3. The interaction device according to claim 21 or 22, characterized in that the information consists of one of the group consisting of: - the current total worth of the monetary asset; ~ Ús present values of a portion of the monetary asset allocated to the detected item; î “alerts depending on the balance of the monetary asset or items, - notifications of offers, such as in respect of items; » ‘fondback on the user’s interaction with the interaction device or other elements of the system; : - status information of elements of the system, such as the ballery status of the interaction device. 24. The interaction device according to any one of the preceding claims, characterized in that the interaction device comprises a switch adapted to be moved forwards or backwards and/or counterclockwise or counterclockwise, which correlates with the displacement Change the position of the switches and part of the monetary asset is transferred to or from the delected item. 25. Het Interactie apparaat volgens één van de conclusies 18-24, met het kenmerk dat de corrslalie bestaat uil dên van de groep: - als de schakelaar in sen voorwaartse positie wordt gezet, dan wordt de : overdrachtnsar de gedstecteerde post gestart. - het voorwaarts bewegen van de schakelaar start het overbrengen naar de î gedefecteerde post; - het achterwaarts bewegen van de schakelaar start de overdracht van de gedelscteerde post; - hetsneller of langzamer verplaatsen van de schakslaar start het overdragen van sen groter of kleiner gedeslte van het te overboeken monetair activum;The Interaction device according to any one of claims 18 to 24, characterized in that the correspondence consists of one of the group: - when the switch is set to a forward position, the transfer server of the detected station is started. - moving the switch forward starts transferring to the eerde defective station; - moving the switch backwards starts the transfer of the deselected post; - moving the switch faster or slower starts the transfer of a larger or smaller portion of the monetary asset to be transferred; ~ het verder van het centrum verplaatsen van de schakelaar start het overdragen van ean groter deel van het te overboeken monstair activum.~ moving the switch further from the center starts transferring a larger portion of the monstary asset to be transferred. - het dragien van de schakeslaar start omgekeerde overdracht - het rechisom of linksom draaien van de schakelaar drasien start het overdragen van een groter of kleiner gedeelie van het te verplaalsen monetair activam; - uwen start hel overdragen.- dragging the switch starts reverse transfer - turning the switch counterclockwise or counterclockwise starts transferring a larger or smaller portion of the monetary asset to be moved; - transfer your start hell. 26. Het interactie apparaat volgens dn van de voorgsande conclusies, met als kenmerk dat het interactie apperaat cen communicalieapperaat omvat dat is 19 ingericht voor het ultwisselen van informatie lussen het interactie apparast en een sxierne computer,The interaction device according to any of the preceding claims, characterized in that the interaction device comprises a communication device adapted to exchange information between the interaction device and a sxerne computer, 27. Het interactis apparaat volgens den van de conclusies 19-28, met hat kenmerk dat de sensor bestaat uit één van de groep bestaande uit » ean Near-Field communicatie lezer die is ingericht voor hat lezen van een Near Field Communication tag opgenomen in sen budget identifier van de meerdere budget identifiers, een post van de meerdere posten en/of een kaart; - ean oplischs code lazer ingericht voor het lezen van bijvoorbeeld sen barcode of QR-code die word! weergegeven op een budget identifier van de meerdere budget identifiers; - ven camsra- en besldiesslogica voor beeldherkenning, gerangschikt voor het herkennen en identificersn van discrete budget identifiers van de meerdere budget identifiers.The interacting device according to any one of claims 19 to 28, characterized in that the sensor is one of the group consisting of a Near-Field communication reader adapted to read a Near-Field Communication tag contained in sensors. budget identifier of the multiple budget identifiers, an item of the multiple items and/or a card; - ean optical code laser equipped for reading, for example, a barcode or QR code that word! displayed on a budget identifier of the multiple budget identifiers; - ven camsra and decision logic for image recognition, arranged to recognize and identify discrete budget identifiers from the multiple budget identifiers. - gen op contact gebaseerde methode waarbij esn weerstand verdsler wordt gebruikt om de budget identifiers van de posten ie identificeren.- gen contact based method where esn resistor divider is used to identify the budget identifiers of the items ie. 28 Het interactie spparast volgens één van de voorgaande conclusies, mat het kenmerk dat het interactie apparast sen eerste gshsugeneenheid van de één of meer geheugeneenheden omvat, waarbij het interactie apparaat verder is ingericht voor het opslaan van informatie van áén van de groep bestaande uil: Je huidige waarde van het totale monstatr acivum; Js onderdelen die worden overgebracht van en naar de meerders posten; ‘het saldo van de mserders posten.The interaction device according to any one of the preceding claims, characterized in that the interaction device comprises a first gshsugen unit of the one or more memory units, the interaction device being further arranged to store information from one of the group consisting of: Je present value of total monstatr asset; Js parts that are transferred to and from the multiple posts; 'post the balance of the messages. 28. Een methodes om een gebruiker te ondersteunen bij het toewijzen, partitioneren, overdragen en/of volgen van delen van sen monetair acivum: naar meerdere posten, zoals spaardoelen, waarbij de methods omvat dat sen processorsenhsid het monstaire passivum partitionsert, lvewijst en/of volgt, en het interactie apperaat het saldo van een post van de meerdere posten communicsert aan de gebruiker, met het kenmerk dal, hat monetaire activum virtusel geld omvat en het interacts apperaat sen apparaat omvat dat is ingericht om in de hand gehouden is worden, waarbij de methode verder de stappen omvat van: A, de gebruiker die het interactie apparaat in nauw contact brengt met sen rapresentatis middel dat is ingericht om de posten op een uitgestelde wijze te representeren; B. esn sensor van het interactie apparaat die een nabijheid detecteert van een discreet post van de uitgestelde posten van de meerdere posten; DS. de gebruiker die sen schakelaar van hel interactie apparast zel op een overdrachisstatus die de processor initieert om een deel van het monetair activum over te brengen naar of van de gedetecteerde post,28. A method of assisting a user in allocating, partitioning, transferring and/or tracking parts of a monetary asset: to multiple items, such as savings targets, the methods including that sen processors and/or partitions the monstary liabilities, partitions, lves and/or follows, and the interacting device communicates the balance of an item of the multiple items to the user, characterized by the monetary asset comprising virtual money and the interacting device comprising a device arranged to be hand-held, wherein the method further comprises the steps of: A, the user bringing the interacting device into close contact with a representative arranged to represent the items in a delayed manner; B. esn sensor of the interaction device detecting a proximity of a discrete station of the deferred stations of the multiple stations; DS. the user who sets a switch from the interaction to a transfer state that initiates the processor to transfer a portion of the monetary asset to or from the detected item, 30. De methode volgens conclusie 28, met het kenmerk dat de methods verder omvat de siappen van: D. ds gebruiker die het interacties apparaat in nauw contact brengt met een externe computer; E. hetinteractie apperaat dat informatie ultwisselt tussen het interactie apparaat en de axterns computsr.The method according to claim 28, characterized in that the methods further comprise the contact of: D. ds user bringing the interactions device into close contact with an external computer; E. the interaction device that exchanges information between the interaction device and the external computer. 31. De methods volgens conclusie 30, met het keramerk dat de stap D uitwisseling van informatie bestaat uit: - het vituele monetair activum wordt gesynchronisesrd met een huidig saldo van echt geld dat aan de gebruiker word! tosgewezen;The methods according to claim 30, characterized in that the step D exchange of information consists of: - the virtual monetary asset is synchronized with a current balance of real money sent to the user! tossed; « egen saldo van een post of de meerdere posten word! opgeslagen in het geheugen van de externe computer, ~ de status van het interaclie apparaat enol hal represeniatie midds! wordt gecommuniceerd naar de externe computer, - een autorisalieniveau wordt gewijzigd door de externe computer, welk autorisatieniveau toegang fot of aulorisalis voor het overdragen van gen deel van het monetair activum naar sen post omval.« own balance of one item or the multiple items! stored in the memory of the remote computer, ~ the status of the interaction device enol hall representation midds! is communicated to the remote computer, - an authorization level is changed by the remote computer, which authorization level overrides access fot or aulorisalis for transferring a portion of the monetary asset to a post. ‚1043386‚1043386
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Citations (3)

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EP2670497A2 (en) 2011-01-31 2013-12-11 Studio Sophisti V.O.F. Game board
WO2016175897A1 (en) * 2015-04-29 2016-11-03 Paypal, Inc. Electronic payment and budgeting system utilizing configurable payment cards

Patent Citations (3)

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Publication number Priority date Publication date Assignee Title
EP2670497A2 (en) 2011-01-31 2013-12-11 Studio Sophisti V.O.F. Game board
US20130282542A1 (en) * 2012-04-18 2013-10-24 The Royal Bank Of Scotland Plc Method, apparatus and system for retrieving financial data
WO2016175897A1 (en) * 2015-04-29 2016-11-03 Paypal, Inc. Electronic payment and budgeting system utilizing configurable payment cards

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