Cash transaction machine

The present invention for patenting is a machine or system Service and advisory duties in monetary transactions. What greater security with ease of use and versatile Uses connects.

In previously known machines and systems for access in addition to the personal chip or magnetic card to enter a PIN Requirement,

<ul><li>- The forgotten</li><li>- Come into the wrong hands</li><li>can be read while typing etc. -</li></ul>

This potential for abuse are apparently increasingly used and lead to increasing insecurity and distrust of customers to banks and their privacy systems.

A higher data protection to the under development allow so-called biometric methods in which physical characteristics recorded, stored digitally and compared against the access to an account will.

These comparisons personal body characteristics can by photographic be deceived and abused simulation by z. B. Reduction of the Iris of a human eye to the front of the camera of ATMs Original prevailing light conditions by processing some close-ups is produced and Ineligible data access allows.

Also features can through professional editing of photographs fool the camera of the machine.

These possibilities of misuse are in the process of uptake of Fingerprint characteristics using a scanner for data comparison almost entirely excluded because of access or the possibility of involuntary photographic images (Z. B. by telephoto lens) fingerprinting is not to realize and because due to the small particle surface properties of fingerprints an illusion of a scanner by photographic images is not possible.

The present invention seeks to contribute to improved data protection with The aid of a biometric method, but also for ease of use and provide versatile usage and will be described.

An ATM <b>Fig.</b> 1, <b>Fig.</b> 2 and <b>Fig.</b> 3 can in monetary transactions for all types of transactions through self-service Customers are used and is structured as follows:

<ul><li>1. monitor <b>2</b> displays information, forms, etc.</li><li>2. Automatic and horizontally movable drawer <b>9</b> keyboard <b>8th</b> on the Top over immovable Scanner window <b>11</b>. <b>12</b>. <b>13</b> to lay hands on in Hand painted contours <b>13</b>Which in the extended state Hand Scanner window <b>12</b>. <b>13</b> conceals or protects and automatically horizontally backward in matching housing opening <b>1</b> guided and hand scanner window <b>11</b>. <b>12</b>. <b>13</b> to enter the Card hang or data control features for finger hands <b>Fig.</b> 1 or 10 automatic and horizontally movable drawers <b>21</b>. <b>22</b> in a row on immovable elongated scanner window <b>20</b> Put the finger then to the front edge of the keyboard <b>24</b>. <b>8th</b>Which in the extended state Finger Scanner window <b>20</b> conceal or protect and automatically horizontally backwards in matching housing opening under the front edge of the keyboard <b>24</b>. <b>8th</b> slide and finger scanner window <b>20</b> Exposing to enter the card to the finger hang or data control of finger characteristics. <b>Fig.</b> . 2</li><li>3. keyboard <b>8th</b> open and operate on top of horizontally movable automatic drawer <b>9</b>Which in the extended state Hand Scanner window <b>11</b>. <b>12</b>. <b>13</b> concealed <b>Fig.</b> 1 or keyboard <b>8th</b> immovable constant 24 open and operate <b>Fig.</b> . 2</li><li>4. slots <b>3</b> for chip and / or magnetic card, storage media such. B. Floppy drive <b>4</b> and / or CD drive, teller <b>5</b>, printer <b>6</b>, <b>Fig.</b> 1 and <b>Fig.</b> . 2</li><li>5. Slot for Paper Paper <b>17</b> with safety device <b>16</b> for children <b>Fig.</b> 1 and <b>Fig.</b> . 2</li><li>6. Cleaning function <b>10</b>. <b>29</b> to <b>32</b> on the underside of the movable automatic drawer <b>9</b> keyboard <b>8th</b> active on top of the closing pushing operation <b>Fig.</b> 1 or cleaning function <b>23</b>, On the bottom of the 10 automatic horizontal movable drawers <b>21</b>. <b>22</b> active when closing pushing operation <b>Fig.</b> 2 Cleaning z. B. over role <b>10</b>. <b>29</b>. <b>23</b> behind the front side of the drawer <b>9</b>. <b>22</b>. via a push button <b>31</b>That at the rear side of the box casing <b>9</b>. <b>22</b> is actuated when pulled in and with cleaning fluid from the underlying tank <b>32</b> is supplied.</li><li>7. housing <b>1</b>. <b>14</b>. <b>15</b>. <b>18</b> depending on design and function with doors <b>1</b>. <b>14</b>. <b>15</b>. <b>19</b>. security locks <b>7</b>, Paper containers <b>33</b> inside, etc.</li></ul>

The operation is to take place in the following steps to monitor signs:

<ul><li>1. Card (for example, chip or magnetic card <b>Fig.</b> 6 and <b>Fig.</b> introduce 7) (Monitor notes) with bowl code of account number and personal information for Access to the central database for opening the stored Fingerprint features of the account holder to prepare the hand or the Finger Scanner window.</li><li>2. Automatic drawer (moves horizontally backward) moves out and opens underlying Hand Scanner window <b>Fig.</b> 1 or 1 to a maximum of 10 drawers slide in suitable housing opening of the Front edge of the keyboard and place underneath finger scanner window freely depending after stored fingerprint features of the account holder. <b>Fig.</b> . 2</li><li>3. Hand contours with left and right fingers occupy (Monitor Note) to Data compared to stored fingerprint features of the account holder <b>Fig.</b> 1 or </li><li>1 to more than 10 fingers successively hang (Monitor Note) depending on stored fingerprint features of the account holder <b>Fig.</b> . 2</li><li>4. If fingerprint features do not correspond to features of Account holder in the central database will be retained card, it follows Monitor Note and save foreign fingerprint features to Further processing. If other fault is present, the possibility of replacement cards use to others Machines, as each individual can have any number of cards, because personal fingerprint features instead of the secret number is not stolen, lost or even with knowledge of fingerprint features only personal gain access.</li><li>5. If data coincide monitor displays selection, Forms as required etc.</li><li>6. Then automatic drawer moves horizontally from the opening in Housing forward again with keyboard easy ready on top with automatic cleaning process of the hand scanner window <b>Fig.</b> 1 or 1 to top 10 drawers close with automatic cleaning process Finger Scanner window. <b>Fig.</b> . 2</li><li>7. Select (cash dispensers, information, forms, etc.).</li><li>8. Filling via keyboard (transfers, checks, etc.).</li><li>9. Print data, forms, etc. as needed.</li><li>10. Papiervernichtungs- or crushing possibility of useless documents.</li><li>11. Possibility to store and from banks or delivering data over Discs for faster and more convenient processing of many data or Reservations for companies etc.</li><li>12. Stop and Card Pull.</li></ul>

A vending machine without cash dispenser <b>Fig.</b> 4 and <b>Fig.</b> 5 is structured as follows:

<ul><li>1. Digital display <b>26</b> (Display)</li><li>2. Keypad <b>27</b> with function keys</li><li>3. Finger scanner glass <b>20</b></li><li>4. slots <b>3</b> for chip and / or magnetic card </li><li>5. Finger scanner window drawer <b>21</b>. <b>22</b>. <b>25</b> with cleaning function <b>23</b></li><li>6. Compact housing <b>28</b> depending on the design.</li></ul>

The operation is to take place in the following steps:

<ul><li>1. Card (for example, chip or magnetic card <b>Fig.</b> 6 and <b>Fig.</b> 7) introduce with Keycode from account number and personal information for access to the Central database to open the stored fingerprint features of Account holder to prepare the finger scanner window.</li><li>2. Push the drawer manually or automatically and underlying disclose Finger Scanner window</li><li>3. 1 to more than 10 fingers successively hang up display Note depending stored fingerprint features of the account holder.</li><li>4. If fingerprint features do not correspond to features of Account holder in the central database, display information on further steps.</li><li>5. If data matches, monitor displays selection.</li><li>6. Pull the Exit and Card.</li><li>7. drawer manually or automatically closes with the cleaning process.</li></ul>

This system offers a variety of uses and considered simultaneously the growing desire of many customers for secure solutions for Data protection.

The possibilities of non-cash payments by electronic banking over Telephone and computer spare the way to the bank, but also open up many Ways for unauthorized and criminals to access to data and accounts procure.

Also errors in the data transmission cause always great Damage whose causes are hard to prove and then often to the detriment of customers go.

Therefore it must be assumed that the in the future despite rising number Internet users and modified communication behavior, a large number will give people financial transactions personally and directly, not through want to do data paths.

Nevertheless, this system also for home banking higher Data security through the use of fingerprint features by Home scanner for data comparison.

Previously, for security reasons only a magnetic or chip card per person displayed.

The additional security system of the data comparison after stored fingerprint features for personal choice and desire the account holder can now have each many cards as personal fingerprint features instead of the secret number is not stolen lost or even with knowledge of fingerprint features only personally gain access.

Therefore, damage or loss of a card easily and without adverse consequences, the possibility of replacement card usage.

Several cards with identical account number but different each access to an account verschaffenden fingerprint features are also available for more selected people possible (z. B. company, married couples).

In all cases, provide personal fingerprint features due their complexity, fragmented nature and individuality increased privacy Compared to known systems.