RU2647325C2 - System for precious metal articles admission in gage and for storage - Google Patents

Abstract

FIELD: human vital needs satisfaction.

SUBSTANCE: system includes a body 1 and a monitor 17, equipped with a touch glass, a bill acceptor 2, an article receiving and dispensing chamber 4, a device 6 for article photography with image saving in the computer's memory, interconnected via the system unit 29, as well as a testing unit - devices 7 and 8 with the determination of the article standard, its weight and uniformity of the alloy composition, a unit 16 for article cost calculation with data output to the monitor 17 screen, a customer identification unit with document scanning, a contract formation unit with a printer to print it. The financial unit 16 is further provided with a device 23 for calculation of the collateral, the loan period and the interest rate value, a device 26 for client notification of the end of the loan term. The contract formation unit is further provided with a device 25 for security ticket printing, and the article testing unit is further equipped with devices 13 and 14 for article cleaning and drying.

EFFECT: expanded functionality of the system due to new functions of the system concerning the possibility of calculation of the collateral, the interest rate, client notification about the end of the loan term, security ticket printing, article cleaning and drying.

2 cl, 3 dwg

Description

The invention relates to systems for receiving precious metal products as collateral and for storage with verification of their authenticity, samples and weight, with the issuance of collateral documents, with the receipt and issue of cash, as well as with the subsequent sale of unclaimed products.

The well-known "Hardware-software complex for the issuance of microloans" described in the patent of the Russian Federation for utility model No. 124508, IPC G06Q 20/00, decl. 08.28.2012, publ. 01/27/2013.

The well-known complex includes a monitor equipped with touch glass interconnected via a system unit, a bill acceptor with a cassette, a banknote dispenser, a printer, a web camera and a GPRS modem. The known complex also includes a device for issuing plastic cards and reading information from them, as well as a device for inputting information with a secure keyboard. A distinctive feature of this complex is the presence of a scanner that allows you to identify a client remotely, by acquiring a passport image in several ranges: visible, infrared and ultraviolet.

The disadvantages of this complex include its limited capabilities, since with the help of the complex it is possible to solve only such tasks as customer identification, as well as the issuance of banknotes or plastic cards.

The closest in technical essence and the achieved result is, in our opinion, the "Method and system for the transaction for the purchase of precious metal products from customers" according to application for US patent No. 201440201033 A1, IPC G06Q 30/06, stated. 01/14/2014, publ. 07/17/2014 (Priority JR dated 01/15/2013)

The known method includes the following operations: shooting the product using a digital camera with saving the image in the computer's memory, testing the product by determining its chemical composition, determining the uniformity of the metal content in the product and determining the weight of the product using digital scales. Next, they determine the current market value of the metal (gold) and calculate the offer price for the purchase of the product, after which they put forward an offer to the seller to purchase the product and wait for confirmation of his consent. After obtaining consent, the seller is identified by scanning the document (passport or rights), obtaining fingerprints and placing the received data into the computer's memory. After that, fill out the contract (bill of sale) and print it out. After receiving the seller’s signature, money is issued on two copies of the contract.

The system (ATM) for implementing this method includes: a housing interconnected through a monitor system unit, a bill acceptor, a device for receiving and dispensing an article, a device for photographing an article with storing an image in the computer’s memory, a unit for testing the article with determining the sample of the product, its weight and uniformity of alloy composition; the system also includes a unit for calculating the cost of the product with data output on the monitor screen, a client identification unit with a scan of its document, and also a contract formation unit with a printer for printing it.

The disadvantages of the data of the method and system for its implementation should also include the limitation of its functions, since this design (system) involves either the sale by the client of the product after testing the latter or the return of the product to the owner.

The purpose of the technical solution related to the system is to expand the functionality. To do this, in the system (terminal) for pledging and selling products from precious metals, including a case and a monitor equipped with touch glass, a bill acceptor, a camera for receiving and issuing the product, a device for photographing the product with saving the image in computer memory, as well as a unit for testing the product with determination of the product sample, its weight and uniformity of the alloy composition, a unit for calculating the cost of the product with data output to the monitor screen, a client identification unit with a scan tion of its document and block the formation of the contract with the printer for printing it. The inventive system differs from the known one in that the financial unit, in addition to the device for calculating the cost of the product, is additionally equipped with a device for calculating the amount of the pledge, loan period and interest rate, a notification system for the client about the loan expiration, as well as an alarm system, the contract formation unit is additionally equipped a device for printing a security ticket, the product testing unit is additionally equipped with devices for cleaning and drying the product, and a camera for receiving and issuing the product Oia is equipped with additional cells for storing products.

The technical result from the use of the system (terminal) is to significantly expand the functionality by taking precious metal products in mortgage, by introducing additional cells for storing products, it became possible to clean products from contamination by introducing a cleaning device, which was made in in the form of an ultrasonic bath, as well as a device for drying. In addition, the speed of identification (testing) of products has significantly increased, since the principle of spectroscopy is used in the testing unit instead of the X-ray fluorescence analysis (XRF) device, which allows to increase the testing speed to 1 second. The financial unit is additionally equipped with a device for calculating the amount of the collateral, the loan period and the interest rate, as well as a system to notify the client about the expiration of the loan, which allows you to take precious metal products as collateral. For this purpose, the contract formation unit is additionally equipped with a device for printing a security ticket. In addition, this system allows you to open a metal account.

The invention is illustrated by drawings, where:

FIG. 1 is a block diagram of a terminal;

FIG. 2 schematically shows a system (terminal), front view;

FIG. 3 is the same side view.

The system (terminal) for depositing, accepting as collateral and selling precious metal products includes: (FIGS. 2 and 3) a vandal proof housing 1, a bill acceptor 2 for receiving banknotes from a client; product 3 (not shown), a receiving chamber 4, in which the product 3 is placed, with a cover 5 (not shown), a digital video camera 6, which records and records the process of depositing a precious metal product 3 into the receiving chamber 4, a portable device 7 for non-destructive analysis chemical composition of precious metal products, the principle of which is based on the technology of laser breakdown excitation spectroscopy, for example, the mPulse portable analyzer from OXFORD INSTRUMENTS (unlike X-ray diffraction, there is no x-ray radiation, the rate of st analysis of chemical composition of the metal surface to 1 second). The system also includes a portable device 8 for analyzing the uniformity of the content of precious metal in the product, the principle of which is based, for example, on the use of eddy currents, as well as a conveyor belt 9 (not shown) for moving the product 3 from device 7 to device 8. The system contains built-in in the terminal case 1, digital video cameras 10 and 11 for fixing, displaying and storing in the computer memory the processes of non-destructive analysis of the chemical composition and checking the uniformity of the content of the precious metal in and the product, as well as the built-in microphone 12, which is designed to record customer voice messages with information about the name and description of the product being mortgaged, which allows identifying the mortgaged thing, about the condition (presence, absence of defects, degree of defects on a digital scale) of the precious metal being mortgaged , his test, the presence of the mark, as well as other comments of the client about the pledged product; cleaning the product 3 from contamination is carried out in an ultrasonic bath 13, after which it is sent to a drying device 14, which is made in the form of a hairdryer with the function of supplying cold air. After drying, the product enters the weighing device 15, which is designed to determine the mass of the product after cleaning with weighing accuracy for gold, platinum and palladium products up to 0.01 g, silver up to 0.1 g, and is made in the form of electronic scales. The received data is transferred to the financial unit 16, after which it is displayed on the monitor screen 17 for the client to decide on the fate of the product 3. All information is processed by the microprocessor 18. To identify the client’s identity, a webcam 19 was introduced into the system to photograph the client’s face, scanner 20 for scanning passports and client signatures and a biometric scanner 21 for fingerprinting. If the client decides to hand over the product 3 to a mortgage, the financial unit 16 is put into operation, first, a device 22 for calculating the cost of the product, taking into account the testing, and then a device 23 for calculating the amount of the deposit, the loan period and the interest rate. The system also includes a device 24 for issuing the customer the amount of the deposit, a device 25 for printing a security ticket, made in the form of a thermal printer with a holder for a paper tape, and also a device 26 for notifying the client about the loan expiration and a security alarm system 27. To receive it, on-line exchange quotes for gold is a wireless communication node 28. For primary processing of received commands from a remote server or from a client, as well as to synchronize the operation of all hardware devices, a system block is used 29. In order to store the products intended storage chamber 30 with individual compartments for storing articles. For transportation of products after testing, cleaning and weighing, the device 31 is used for transportation to the cells of the storage chamber 30. GPRS modem 32 is used to transmit and receive information via Internet communication channels between the terminal and the remote server. To control each operation, digital video cameras 33 built into the system enclosure are used.

The system is as follows.

The process of checking and processing the product 3 (before putting it into mortgage, for storage, cleaning from pollution) is paid, for which the client places a certain amount of money in the bill acceptor 2. After payment is made, the product 3 (for example, a gold ring) is placed in the chamber 4 with a cover 5 (not shown), which restricts access to the product. The process of placing the product 3 in the camera is recorded and recorded by a digital video camera 6, which photographs the product 3. If the client gives the product 3 for storage, after recording it is transported to one of the cells of the storage room 30. Products intended for cleaning from contamination or for delivery to deposit, first transported to an ultrasonic bath 13, and then to the device 14 for drying. The cleaning and drying processes of the product 3 are also recorded by a digital video camera. After cleaning from contaminants and drying, the product is weighed in order to determine its exact weight, for which it is transported to a weighing device 15, after which the product is sent for testing first to a portable device 7, designed for non-destructive analysis of chemical composition, and then to device 8 for analysis of the uniformity of the content of precious metal in the product. The conveyor belt 9 moves from one device to another product. The testing processes for the product 3 are recorded, displayed and stored in the computer memory using digital video cameras 10 and 11. The client communicates with the virtual jeweler using the built-in microphone 12. In the process of communication, he can indicate the name, indicate a sample of the product, describe it, report the presence of defects. Taking into account the totality of data obtained both from testing the product and from the microphone from the client, the financial unit 16 is included in the work, the device 22 of which calculates the cost of the product taking into account the testing, and the device 23 calculates the amount of the deposit, the loan period and the percentage bids. These data are displayed on the monitor screen 17. Then, the device 24 issues a deposit amount to the client, and the device 25 prints out a security ticket. The latter is made in the form of a thermal printer with a holder for paper tape. The system is also equipped with a device 26 for notifying the client about the loan expiration and a security alarm system 27.

Claims (2)

1. A system for pledging and storing precious metal products, including a housing and a monitor equipped with touch glass interconnected via a system unit, a bill acceptor, a camera for receiving and issuing the product, a device for photographing the product with storing the image in computer memory, a unit for testing the product with determining the sample of the product, its weight and uniformity of the composition of the alloy, the unit for calculating the cost of the product with data output to the monitor screen, the client identification unit with scanning its document, lok of forming a contract with a printer for printing it, characterized in that the financial unit is additionally equipped with a device for calculating the amount of the deposit, loan period and interest rate, a device for notifying the client about the expiration of the loan, the contract formation unit is additionally equipped with a device for printing the security ticket, and the product testing unit is additionally equipped with devices for cleaning and drying the product. 2. The system according to claim 1, characterized in that the device for cleaning the product is made in the form of an ultrasonic bath.

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