ES2372070B1 - ASSISTED TERMINAL FOR SUBMISSION OF REMITTANCES. - Google Patents

Abstract

Assisted terminal for sending remittances characterized by being constructed of lightweight material and having a series of electronic devices that will allow the user to send the consignment in an autonomous or semi-autonomous way.

Description

Assisted terminal for sending remittances.

Technical sector

The present invention falls within the technical sector of sending money, more specifically in relation to the sending of remittances abroad through remittances.

Background of the invention

Currently, in the market for sending remittances through remittances, the way in which the service for remittances is focused is essentially face-to-face, only through stores owned by the remitter and / or through the External distribution channel called “Agents”, obligatorily incurring purchase, rental, licensing and conditioning costs of the premises. In both cases, in order to provide the remittance service, the client is required to move to places where the remitter provides their services, being forced to enter them and interact with face-to-face people to carry out the process in full. of sending remittances abroad.

With the intention of offering the client the possibility of using the service of sending remittances in places other than the usual ones, and in turn carrying out the sending of remittances in a totally or partially autonomous way and without the need to interact totally or partially with employees of the premises where the service is provided, a tool has been invented for this purpose with a new internal operating process, which is the assisted terminal model for sending remittances, which is characterized by being made of lightweight material to be easily moved and to be able to customize its measures and materials to adapt to each establishment in which it is intended to be incorporated.

The invention refers both to the place where to proceed to send remittances (shopping centers, supermarkets, service stations, public transport stations, specialized stores and in general, all those premises that wish to incorporate the same) and allow the customer to Possibility of sending remittances by yourself, choosing for that purpose the place and recipient of the shipment, in a simple and fast way, carrying out the procedure in its entirety without interacting in person with people or interacting with people face-to-face only and exclusively for the payment of the quantities subject to shipment.

The assisted terminal for sending remittances allows the client to be completely autonomous, use it at their convenience with the minimum or no need to establish a direct relationship with any person at the time of sending the remittance.

The design features allow it to be personalized and adapt to any establishment with total autonomy.

Due to this autonomy, it is possible that any establishment with minimal infrastructure can implement the remittance service in its establishment with a minimum investment.

Description of the invention

This invention refers to an assisted terminal for remittance shipments, which is characterized by being made of painted carbon steel, with measures of 1750 mm x 530 mm x 630 mm (height x width x depth) and have a screen of touch-type video (2) as well as a webcam on top (1), a vandal-proof headset

(8) located on the left side, a thermal ticket printer (7) on the left end of the central part, a document reader (5) intended to capture documents as well as a support shelf that integrates a system of collection of fi rms (4) in its central part, a BM and EMV card reader level 1 (3) at the right end of the central part, counting inside with a PC (6) to which all the devices and a space at the top for the logo (9).

Brief description of the drawings

For better compression, we have considered including a document visually documenting the elements that comprise the assisted terminal for sending remittances.

In Figure 1, we see a front view referring to the assisted terminal for sending remittances indicating the elements that comprise it.

Description of the shipment of a consignment through the assisted terminal

For the description of the operational process we must distinguish two fully compatible modalities in the assisted terminal for sending remittances.

1) Semi-autonomous mode

The client picks up the handset and automatically redirects the call to the remittance operator's tele operator to know his situation, which is reduced to any of these two following and which will define the process of sending the money remittance:

A) Customer already registered with the remitter: The client will confirm his personal data to the remittance operator's tele operator and will provide the data related to the sending of the remittance of money such as personal data of the sender, data of the beneficiary, amount sent, exchange rate applied, commission charged for sending the consignment, PIN number and barcode.

B) Unregistered customer: The tele operator will collect the client's personal data for registration so that the latter then provides the data relating to the remittance of money such as personal data of the sender, beneficiary data, amount sent, exchange rate applied, commission charged for sending the consignment, PIN number and barcode.

Once any of the previous steps have been completed, the client will sign in the signature collection system (4), which will result in the consequent printing of the ticket (7) that will contain the digitalized signature of the client.

Finally, the ticket (which will contain all the data related to the shipment and will include barcode where applicable), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment where he is staying the assisted terminal (fi g. 1), once the total amount of money remittance has been received from the client.

2) Autonomous Mode

The client picks up the handset and automatically redirects the call to the remittance operator's tele operator to know his situation, which is reduced to any of these two following and which will define the process of sending the money remittance:

A) Client already registered with the remitter: The client will confirm his personal data to the tele operator of the remittance agent.

B) Unregistered client: The tele operator will collect the client's personal data for registration as well as the identity document by capturing them through the document reader (5).

Once any of the previous steps have been completed, the customer will use the touch screen (2), which after entering his customer number or passing his remittance card through the document reader (5), will allow him to enter the data new shipping or select those already used at the time.

Subsequently, the client will sign in the signature collection system (4), which will result in the consequent printing of the ticket (7) that will contain the digitalized signature of the client.

Finally, the ticket (which will contain all the data related to the shipment and will include barcode where applicable), will be validated (resulting in the sending of money remittance to its recipient) by authorized person of the establishment where he is staying the assisted terminal (fi g. 1), once it has received from the client, the total amount of money remittance.

Both through the semi-autonomous and autonomous method, the client can choose the option of using the webcam (1) to transmit their image in real time to the telemarketer and observe the image of the latter through the touch screen ( 2).

Claims (2)

1. Assisted terminal for remittance shipments, characterized by being made of painted carbon steel, with measures of 1750 mm x 530 mm x 630 mm (height x width x depth) and have a touch screen video screen (2) as well as a webcam on its top (1), an anti-vandal headset (8) located on the left side, a thermal ticket printer (7) on the left end of the central part, a document reader (5) for the capture of documents as well as a support shelf that integrates a signature collection system (4) in its central part, a BM and EMV card reader level 1 (3) at the right end of the part central, with a PC (6) inside to connect all the devices and a space at the top for the logo (9). SPANISH OFFICE OF THE PATENTS AND BRAND Application no .: 201000356 SPAIN Date of submission of the application: 03.17.2010 Priority Date: REPORT ON THE STATE OF THE TECHNIQUE 51 Int. Cl.: G07F19 / 00 (2006.01) RELEVANT DOCUMENTS

Category

Documents cited Claims Affected

X

US 2007168283 A1 (ALVAREZ DAVID R et al.) 07/19/2007, the whole document. one

X

US 2002055835 A1 (CARCOBA OLIVARES LUIS G et al.) 09.05.2002, paragraphs [0036], [0060]. one

X

WO 2008118182 A2 (AMOS CARL RAYMOND) 02.10.2008, figures 9.22. one

TO

GB 2129181 A (TOKYO SHIBAURA ELECTRIC CO) 10.05.1984, page 2, lines 39-46. one

Category of the documents cited X: of particular relevance Y: of particular relevance combined with other / s of the same category A: reflects the state of the art O: refers to unwritten disclosure P: published between the priority date and the date of priority submission of the application E: previous document, but published after the date of submission of the application

This report has been prepared • for all claims • for claims no:

Date of realization of the report 19.12.2011

Examiner M. Rivas Sáiz Page 1/4

REPORT OF THE STATE OF THE TECHNIQUE Application number: 201000356 Minimum documentation searched (classification system followed by classification symbols) G07F Electronic databases consulted during the search (name of the database and, if possible, terms of search used) INVENES, EPODOC State of the Art Report Page 2/4  WRITTEN OPINION Application number: 201000356 Date of Written Opinion: 19.12.2011 Statement

Novelty (Art. 6.1 LP 11/1986)

Claims Claims one IF NOT

Inventive activity (Art. 8.1 LP11 / 1986)

Claims Claims one IF NOT

The application is considered to comply with the industrial application requirement. This requirement was evaluated during the formal and technical examination phase of the application (Article 31.2 Law 11/1986).  Opinion Base.- This opinion has been made on the basis of the patent application as published. State of the Art Report Page 3/4  WRITTEN OPINION Application number: 201000356 1. Documents considered.- The documents belonging to the state of the art taken into consideration for the realization of this opinion are listed below.

Document

Publication or Identification Number publication date

D01

US 2007168283 A1 (ALVAREZ DAVID R et al.) 07/19/2007

D02

US 2002055835 A1 (CARCOBA OLIVARES LUIS G et al.) 05.09.2002

D03

WO 2008118182 A2 (AMOS CARL RAYMOND) 02.10.2008

D04

GB 2129181 A (TOKYO SHIBAURA ELECTRIC CO) 10.05.1984

2. Statement motivated according to articles 29.6 and 29.7 of the Regulations for the execution of Law 11/1986, of March 20, on Patents on novelty and inventive activity; quotes and explanations in support of this statement Document D01 is considered the closest in the state of the art to the requested invention. In relation to claim 1, D01 describes a terminal for sending remittances. Said terminal consists of following elements:

•

a touch screen video screen (reference 414 of figure 4 and paragraph 0055)

•

a headset (reference 412 of figure 4 and reference 1060 of figure 10)

•

a ticket printer (reference 416 of figure 4 and paragraph 0055)

•

a signature collection system (reference 482 of figure 4 and paragraph 0060)

•

a card reader of different types (reference 420 of figure 4 and paragraph 0056)

•

a PC to which to connect all the devices (reference 450 of figure 4).

There are differences between document D01 and claim 1, which are detailed and analyzed below:

-

D01 does not indicate that the terminal is made of painted carbon steel. However, this is a material commonly used for the realization of ATMs as can be seen in document D04 page 2 lines from 39 to 46. Therefore, its use in this case does not imply inventive activity (Article 8 LP.).

-

D01 does not include a camera or a document reader in the terminal but it is considered to be a mere juxtaposition of commonly used and widely known elements that do not endow claim 1 with inventive activity (Article 8 LP.).

-

the external dimensions in D01 are different and also the arrangement of the elements as can be seen in figure 10. However, these differences are a design alternative that does not endow the claim of inventive activity (Article 8 LP.).

Accordingly, claim 1 does not imply inventive activity (Article 8 LP.). Documents D02 and D03 also describe a terminal for sending remittances. Paragraph 0060 of D02 indicates that the terminal consists of speakers, camera, touch screen, telephone handset, card reader, optical reader for biometric authentication, printer and CPU. In the same way, the D03 terminal is formed by a touch screen, a camera, a printer, a signature collection system, card reader, audio media and has different terminal configurations (see figure 9 of D03). The fact that D02 or D03 does not describe one or more elements indicated in claim 1 does not provide said claim 1 with inventive activity with respect to that document. The terminal described in claim 1 is considered to be a mere juxtaposition of widely known elements. The use of devices widely used in the sector to perform the function for which they were created, without solving an additional technical problem, is not sufficient to meet the requirement of inventive activity (Article 8 LP.). State of the Art Report Page 4/4