WO2009084062A1 - Process and system for recovering remaining money - Google Patents
Process and system for recovering remaining money Download PDFInfo
- Publication number
- WO2009084062A1 WO2009084062A1 PCT/IT2008/000006 IT2008000006W WO2009084062A1 WO 2009084062 A1 WO2009084062 A1 WO 2009084062A1 IT 2008000006 W IT2008000006 W IT 2008000006W WO 2009084062 A1 WO2009084062 A1 WO 2009084062A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- money
- choice
- requesting
- crediting
- credit card
- 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
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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]
- G07F19/202—Depositing operations within ATMs
-
- 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
- G06Q20/381—Currency conversion
-
- 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
- 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]
- G07F19/206—Software aspects at ATMs
Definitions
- the present invention refers to a process and a system for recovering remaining money, that can be used in particular in airports or transit places when going out of countries when one has such remaining money to be recovered.
- banknotes and coins also known as ATM, acronym for Automatic Teller Machine
- ATM Automatic Teller Machine
- Object of the present invention is solving the above mentioned problems, and provides for a process and a system for recovering remaining money that can be easily realised and immediately used and that allow recovering (through donations or credits on one's own account) amounts of money that were unused and so far practically unusable, such as for example small-valued banknotes and/or coins that remain at the end of a business or tourist journey.
- the inventive system can solve the problem of the small amounts in foreign currency that remain, for example at the end of a journey, and that in the majority of cases would remain unused, since they cannot be changed by the bank (coins) or they remain forgotten (banknotes) .
- FIG. 1 is a perspective view of a preferred embodiment of the system for recovering money of the present invention.
- FIGS. 2 and 3 are schematic views of the screens obtained through an embodiment of the process of the present invention.
- the process for recovering money of the present invention substantially comprises the following steps: requesting (Sl) to provide money in local currency as coins and/or banknotes ("Introduci Valuta Locale Monete o Banconote" in Fig. 2 ) ; upon providing the money, computing the total amount of the provided money; requesting (S7) a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) credit on one's own credit card and/or current account ("Destinazione Fondi 1 Donation as charity 2 Accredito sulla tua carta" in Fig.
- inventive process can further comprise the initial step (SO) of displaying choices of possible languages that can be used in the process ("Sele condominium lingua" in Fig. 2) .
- the above process can further comprise, after the step of requesting to provide money in a currency, the step of selecting (S3) the final conversion currency and the step of converting (S5) the local currency provided into the final conversion currency.
- the step of requesting the entry of credit card data is composed of the step of requesting the physical insertion of the credit card in a reader, and the step of crediting said money occurs immediately on the credit card inserted in the reader.
- inventive process can further comprise the final step of issuing (S13) a receipt for the performed operation ("Ritirare Ia ricevuta" in Fig. 3).
- the above described process provides that the step of computing the total amount of the provided money comprises the steps of computing the total amount of the coins that are randomly provided, and computing the total amount of the banknotes that are randomly provided. This obviously simplifies the procedure for entering money by the end user.
- the system 1 for recovering money substantially comprises: means 3, 5 for requesting to provide money in local currency as coins and/or banknotes; upon providing the money, means 7, 9 for computing the total amount of the provided money; means 3, 5 for requesting a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) credit on one' s own credit card and/or current account; in case of choice a) donation as charity, means 3, 5 for requesting at least one choice of a charity association to which the donation must be sent, and crediting said money to the chosen association; and in case of choice b) crediting on one's own credit card and/or current account, means 3, 5 for requesting the entry of data about credit card and/or current account and crediting said money to the institution responsible for managing the transactions for such choice.
- the above described system 1 can further comprise means 3, 5 for displaying choices of possible languages that can be used in the process, and means 3, 5 for selecting the final conversion currency and converting the provided local currency into the final conversion currency.
- such means 3, 5 are composed of at least one display 3 and at least one Central Processing Unit CPU 5, that has been shown in a schematic and general way in Fig. 1, since it is well known to the skilled people in the art.
- the above described system will therefore be able to accept, recognise the value and check the validity of the money (metal or paper) of the country in which it will be installed, will have the connection to the bank that owns it in order to have the exchange rate in real time and for transferring, where requested, the amount derived from the deposit through a credit card circuit, such as for example Visa, Mastercard, AMEX, etc.
- a credit card circuit such as for example Visa, Mastercard, AMEX, etc.
- the inventive system guarantees the maximum reliability and safety of transactions, being based on equipment commonly used for Bancomat points or the like (ATM machines) , and on a retention structure (safe) at UL level.
- the inventive system 1 can substantially comprise:
- monitor 3 with touch screen, for selecting the required operations and displaying information, for example with images with figures of the operation to be performed
- printers 11 for receipts and daily operations, where required
- command and control electronic cards and EPROM • command and control electronic cards and EPROM (not shown) • safety structure (for example safe) (not shown)
- the software is easily adapted to the configuration of the system aimed for every single customer: the software bases will always be the same one and will simply be able to be configured according to the related options chosen by the customer (transfer of money to various institutions or credit back on the current account of the payer through Visa circuit, etc.).
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
A system and a process are described for recovering money; the process comprises the steps of: requesting (Sl) to provide money in local currency as coins and/or banknotes; computing - the total amount of provided money; requesting (S7) a choice of a final destination for the money, chosen from a list containing at least the following choices: a) donation as charity; b) credit on credit card and/or current account; in case of choice a), requesting (S9) at least one choice of a charity association to which the donation is made, and crediting money to the chosen association; in case of choice b), requesting (SIl) an entry of data about credit card and/or current account and crediting money to an institution responsible for managing transactions for such choice.
Description
PROCESS AND SYSTEM FOR RECOVERING REMAINING MONEY
The present invention refers to a process and a system for recovering remaining money, that can be used in particular in airports or transit places when going out of countries when one has such remaining money to be recovered.
Systems for delivering banknotes and coins (also known as ATM, acronym for Automatic Teller Machine) are known in the art, through which a user performs various types of economic transactions, the main ones of which are delivering and/or depositing money by the bank credit institution to which such system belongs.
Among the already proposed solutions, see, for example, document DE-U-20 2005 0033 96, that provides for a money self-service system with a screen with indications in various languages for users from various countries, commonly used in airports or in other transit places.
Instead, currently on the market there are no processes, and electro-mechanical apparatuses that
perform them, adapted to recover small amounts of money in a currency that is different from one' s own, with credit on the current account through one's own credit card circuit or for other uses.
Object of the present invention is solving the above mentioned problems, and provides for a process and a system for recovering remaining money that can be easily realised and immediately used and that allow recovering (through donations or credits on one's own account) amounts of money that were unused and so far practically unusable, such as for example small-valued banknotes and/or coins that remain at the end of a business or tourist journey.
Placed in airports, central stations, ports, big hotels and the like, the inventive system can solve the problem of the small amounts in foreign currency that remain, for example at the end of a journey, and that in the majority of cases would remain unused, since they cannot be changed by the bank (coins) or they remain forgotten (banknotes) .
The above and other objects and advantages of the present invention are obtained with a process and a system for recovering remaining money as claimed in the independent claims. Preferred
_o _
embodiments of the present invention are the subject matter of the dependent claims.
The present invention will be better shown in the detailed description that follows, provided as a non-limiting example, with reference to the enclosed drawings, in which:
- Figure 1 is a perspective view of a preferred embodiment of the system for recovering money of the present invention; and
- Figures 2 and 3 are schematic views of the screens obtained through an embodiment of the process of the present invention.
With reference to the Figures, an embodiment of the process and the system for recovering remaining money of the present invention will now be described. It will be immediately obvious that numerous variations and modifications, that will immediately appear evident for the skilled people in the art, can be made to what is described, and that therefore they fall within the scope of the present invention.
With reference to the Figures, the process for recovering money of the present invention substantially comprises the following steps:
requesting (Sl) to provide money in local currency as coins and/or banknotes ("Introduci Valuta Locale Monete o Banconote" in Fig. 2 ) ; upon providing the money, computing the total amount of the provided money; requesting (S7) a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) credit on one's own credit card and/or current account ("Destinazione Fondi 1 Donation as charity 2 Accredito sulla tua carta" in Fig. 3) ; in case of choice a) donation as charity, requesting (S9) at least one choice of charity association to which the donation has to be sent, and crediting said money to the chosen association ("Donation as charity" in Fig. 3) ; in case of choice b) credit on one' s own credit card and/or current account, requesting (SIl) the entry of data about credit card and/or del current account and
crediting said money to the institution responsible for managing the transactions for such choice ("Accredito sulla tua carta Inserire carta Digita pin" in Fig. 3). It is obviously possible to provide further choices, in addition to those previously designated with a) and b) , for an optimum use of the given money. For example, a possible choice c) other, could comprise transforming the money into purchasing credits, and therefore there would be a step of crediting money in favour of the institution that manages such purchasing credits. Many other solutions are obviously possible for this type of additional choice.
In addition to the above mentioned steps, the inventive process can further comprise the initial step (SO) of displaying choices of possible languages that can be used in the process ("Selezione lingua" in Fig. 2) .
As further variation, the above process can further comprise, after the step of requesting to provide money in a currency, the step of selecting (S3) the final conversion currency and the step of converting (S5) the local currency provided into the final conversion currency.
According to the practical preferred embodiment, the step of requesting the entry of credit card data is composed of the step of requesting the physical insertion of the credit card in a reader, and the step of crediting said money occurs immediately on the credit card inserted in the reader.
Finally, as further preferred variation, the inventive process can further comprise the final step of issuing (S13) a receipt for the performed operation ("Ritirare Ia ricevuta" in Fig. 3).
As further inventive peculiarity, the above described process provides that the step of computing the total amount of the provided money comprises the steps of computing the total amount of the coins that are randomly provided, and computing the total amount of the banknotes that are randomly provided. This obviously simplifies the procedure for entering money by the end user.
The inventive process can be performed in various ways and using various hardware structures. For example, according to the invention, the system 1 for recovering money substantially comprises: means 3, 5 for requesting to provide money in local currency as coins and/or banknotes;
upon providing the money, means 7, 9 for computing the total amount of the provided money; means 3, 5 for requesting a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) credit on one' s own credit card and/or current account; in case of choice a) donation as charity, means 3, 5 for requesting at least one choice of a charity association to which the donation must be sent, and crediting said money to the chosen association; and in case of choice b) crediting on one's own credit card and/or current account, means 3, 5 for requesting the entry of data about credit card and/or current account and crediting said money to the institution responsible for managing the transactions for such choice.
The above described system 1 can further comprise means 3, 5 for displaying choices of possible languages that can be used in the process,
and means 3, 5 for selecting the final conversion currency and converting the provided local currency into the final conversion currency.
According to a preferred embodiment shown, such means 3, 5 are composed of at least one display 3 and at least one Central Processing Unit CPU 5, that has been shown in a schematic and general way in Fig. 1, since it is well known to the skilled people in the art.
The other main components of the inventive system 1 will be detailed with reference to Fig. 1: it will anyway be obvious to a skilled person in the art that wholly similar systems can be realised, that are able to perform the inventive process .
The above described system will therefore be able to accept, recognise the value and check the validity of the money (metal or paper) of the country in which it will be installed, will have the connection to the bank that owns it in order to have the exchange rate in real time and for transferring, where requested, the amount derived from the deposit through a credit card circuit, such as for example Visa, Mastercard, AMEX, etc.
The inventive system guarantees the maximum reliability and safety of transactions, being based on equipment commonly used for Bancomat points or the like (ATM machines) , and on a retention structure (safe) at UL level.
According to a complete preferred embodiment, as shown in Fig. 1, the inventive system 1 can substantially comprise:
• monitor 3 with touch screen, for selecting the required operations and displaying information, for example with images with figures of the operation to be performed
• keyboard 30 with control and encrypting
• device 9 for accepting and checking banknotes
• device 7 for selecting and checking metal coins
• badge and credit card reader 20
• printers 11 for receipts and daily operations, where required
• power supply unit and UPS (not shown)
• supply drawers 32 (for paper or metal)
• command and control electronic cards and EPROM (not shown)
• safety structure (for example safe) (not shown)
• body, for example made of plastic material
(ABS), 38
• software programs or hardware of the Firewall and Router types (not shown) .
As regards the main benefits obtained by the inventive system and process, the following can be mentioned: reduced equipment cost flexibility, since the system, though adopting some already existing electronic modules, is developed at hardware and software level in order to be able to guarantee: adaptability to connection to all servers of banks and exchange offices, both operating in WINDOWS® and in LINUX environments or with other operating systems; a complete safety of one's own current account when crediting money; and possible complete privacy when donating as charity extremely simple use, using video-guided menus, suitable also for unskilled customers modularity: the software is easily adapted to
the configuration of the system aimed for every single customer: the software bases will always be the same one and will simply be able to be configured according to the related options chosen by the customer (transfer of money to various institutions or credit back on the current account of the payer through Visa circuit, etc.).
Claims
1. Process for recovering money comprising the steps of: requesting (Sl) to provide money in local currency as coins and/or banknotes; upon providing the money, computing a total amount of the provided money; requesting (S7) a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) crediting on one' s own credit card and/or current account; in case of choice a) donation as charity, requesting (S9) at least one choice of a charity association to which the donation has to be made, and crediting said money to the chosen association; in case of choice b) crediting on one's own credit card and/or current account, requesting (SIl) an entry of data about credit card and/or current account and crediting said money to an institution responsible for managing transactions for such choice.
2. Process according to claim 1, characterised in that it further comprise an initial step (SO) of displaying choices of possible languages that can be used in the process.
3. Process according to claim 1, characterised in that it further comprises, after the step of requesting to provide money in currency, the step of selecting (S3) a final conversion currency and the step of converting (S5) the provided local currency into the final conversion currency.
4. Process according to claim 1, characterised in that it comprises a further choice c) other, comprising transforming money into purchasing credits, said step of crediting said money- being performed in favour of the institution that manages the purchasing credits.
5. Process according to claim 1, characterised in that the step of requesting an entry of data about a credit card is composed of the step of requesting a physical insertion of the credit card into a reader, and the step of crediting said money occurs immediately on the credit card inserted into the reader.
6. Process according to claim 1, characterised in that it further comprises a final step of issuing (S13) a receipt for a performed operation.
7. Process according to claim 1, characterised in that the step of computing the total amount of provided money comprises the steps of computing the total amount of coins randomly provided and computing the total amount of banknotes randomly provided.
8. System (1) for recovering money, characterised in that it comprises: means (3, 5) for requesting to provide money in local currency as coins and/or banknotes; upon providing the money, means (7, 9) for computing a total amount of provided money; means (3, 5) for requesting a choice of a final destination of said money in local currency, said choice being included in a list containing at least the following choices: a) donation as charity; b) crediting on one's own credit card and/or current account; in case of choice a) donation as charity, means (3, 5) for requesting at least one choice of a charity association to which said donation is made, and crediting said money to the chosen association; and in case of choice b) crediting on one's own credit card and/or current account, means (3, 5) for requesting an entry of data about credit card and/or current account and crediting said money to an institution responsible for managing transactions for such choice.
9. System (1) according to claim 8, characterised in that it further comprises means (3, 5) for displaying choices of possible languages that can be used in the process.
10. System (1) according to claim 8, characterised in that it further comprises means (3, 5) for selecting a final conversion currency and converting the provided local currency into the final conversion currency.
11. System (1) according to claim 8, 9 or 10, characterised in that said means (3, 5) are composed of at least one display (3) and at least one Central Processing Unit CPU (5) .
12. System (1) according to claim 8, characterised in that said means (7, 9) are composed of at least one container of coins (7) and one banknotes reader (9) operatively connected to said processing means (5) for their managing.
13. System (1) according to claim 8, characterised in that it comprises means (20) for reading a credit card adapted to credit on such card possible amounts of money established for crediting.
14. System (1) according to claim 8, characterised in that it further comprises means (11) for issuing a receipt for a performed operation.
15. System (1) according to claim 14, characterised in that said means (11) are composed of at' least one printer.
16. System (1) according to claim 8, characterised in that it further comprises means (30) for entering data, for example a keyboard or a keypad.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/IT2008/000006 WO2009084062A1 (en) | 2008-01-03 | 2008-01-03 | Process and system for recovering remaining money |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/IT2008/000006 WO2009084062A1 (en) | 2008-01-03 | 2008-01-03 | Process and system for recovering remaining money |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2009084062A1 true WO2009084062A1 (en) | 2009-07-09 |
Family
ID=39737184
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/IT2008/000006 Ceased WO2009084062A1 (en) | 2008-01-03 | 2008-01-03 | Process and system for recovering remaining money |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2009084062A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013038411A1 (en) * | 2011-09-13 | 2013-03-21 | MIZRACHI, Gabi Zachary | System apparatus and method for depositing currency to a credit account |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| GB2046491A (en) * | 1979-03-07 | 1980-11-12 | Laurel Bank Machine Co | Money exchange apparatus |
| US4953086A (en) * | 1987-03-31 | 1990-08-28 | Kabushiki Kaisha Toshiba | Money exchanging machine for exchanging first and second nations' currencies by sorting, storing and paying out the currencies |
| WO1999016027A2 (en) * | 1997-09-25 | 1999-04-01 | Interchange Nets Ltd. | Coin handling device |
| US5909794A (en) * | 1992-09-04 | 1999-06-08 | Coinstar, Inc. | Donation transaction method and apparatus |
| US20040181481A1 (en) * | 2003-03-12 | 2004-09-16 | Kenneth Carter | Method of exchanging coins involving non-cash exchange options |
| US20060060646A1 (en) * | 2004-09-22 | 2006-03-23 | Lee Seon H | Methods and apparatus for facilitating a currency exchange transaction |
| GB2435537A (en) * | 2006-02-23 | 2007-08-29 | Simon James Mills | Currency exchange method and system |
-
2008
- 2008-01-03 WO PCT/IT2008/000006 patent/WO2009084062A1/en not_active Ceased
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| GB2046491A (en) * | 1979-03-07 | 1980-11-12 | Laurel Bank Machine Co | Money exchange apparatus |
| US4953086A (en) * | 1987-03-31 | 1990-08-28 | Kabushiki Kaisha Toshiba | Money exchanging machine for exchanging first and second nations' currencies by sorting, storing and paying out the currencies |
| US5909794A (en) * | 1992-09-04 | 1999-06-08 | Coinstar, Inc. | Donation transaction method and apparatus |
| WO1999016027A2 (en) * | 1997-09-25 | 1999-04-01 | Interchange Nets Ltd. | Coin handling device |
| US20040181481A1 (en) * | 2003-03-12 | 2004-09-16 | Kenneth Carter | Method of exchanging coins involving non-cash exchange options |
| US20060060646A1 (en) * | 2004-09-22 | 2006-03-23 | Lee Seon H | Methods and apparatus for facilitating a currency exchange transaction |
| GB2435537A (en) * | 2006-02-23 | 2007-08-29 | Simon James Mills | Currency exchange method and system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013038411A1 (en) * | 2011-09-13 | 2013-03-21 | MIZRACHI, Gabi Zachary | System apparatus and method for depositing currency to a credit account |
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