FORM 2
THE PATENTS ACT, 1970
(39 of 1970)
COMPLETE SPECIFICATION
A SMART BUNDLE CASH DISPENSER FOR DISPENSING CURRENCY
LEAF-BUNDLES
Intellvisions Software Ltd,
A company incorporated under the Indian Companies Act, 1956
24, Mahal Industrial Estate, 303 Steel House
Off Mahakali Caves Road,
Andheri (East), Bombay 4000 93,
Maharastra, India
The following specification particularly describes the nature of the invention and the manner in
which it is to be performed

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BACKGROUND OF THE INVENTION
1. FIELD OF THE INVENTION
The present invention relates broadly to a smart bundle cash dispenser
(BCD), and more particularly, to a dispenser mechanism to dispense multiple
bundles of currency notes of various denominations from a stacker and which
is also capable to ascertain the number of notes present in the cassette of the
said BCD at any given point of time.
2. DESCRIPTION OF THE PRIOR ART
Bundle cash dispenser (BCD), known as an automated teller machine
(ATM), allows a bank customer to conduct banking transactions without the
necessity of a banking employee directly taking part. Such transactions might
include making deposits to accounts, checking balances, transferring funds,
obtaining cash withdrawal, or obtaining other items. As used herein, the
phrase "Bundle Cash Dispenser" (or Currency leaf-bundles dispenser) is not
intended to limit the scope of the disclosure, but may include any type of
device that enables automating transactions involving transfers representative
of value.
Other types of Bundle Cash Dispenser may be used to dispense currency
to a customer, bank teller, cashier or other service provider.
Known relevant prior art for bundle cash dispenser (BCD) includes the WO
Applications of Diebold, incorporated, bearing Nos. 2004081735, 2004059419
dated 2004-09-23 and 2004-07-15 respectively; US Pat. Application No.
20040145109 of Graef et al dated 12/15/2003; US Pat. No. 4,494,747 to
Graef et a/dated 01/22/1985; US Pat. Application No. 20040178263 of Jones
ef al dated 03/09/2004; US Pat. Application No. 20040178569 of Graef et al
dated 03/09/2004; US Pat. No. 6,036,089 to Oguchi ef al dated 03/14/2000;
US Pat. No. 4,355,369 to Garvin dated 10/19/1982; and US Pat. No.
4,649,832 to Hain ef a/ dated 03/17/1987.
Some related prior art includes the US Pat. Application No. 20040178559
of Harty ef al dated 03/09/2004; WO Application No. 2003071770 of
Qualcomm, Incorporated dated 02/12/2003; US Pat. Application No.
20030159050 of Gantman ef al dated 05/06/2002; US Pat. No. 5,653,573 to
Aoki et al dated 08/05/1997; EP Pat. No. 3,382,56 to Brandt, Inc. dated
10/25/1989; US Pat. No. 5,709,159 to Mercer ef al dated 01/20/1998; and US
Pat. Application No. 20040145106 of Graef et al dated 07/29/2004.
WO Application of Diebold, Incorporated, bearing No. 2004081735, dated
2004-09-23 narrates an automated banking machine currency dispenser
arrangement. Their banking machine includes a currency note dispenser
having a currency cassette, a note picker, a note transporter, and a note
presenter. A cassette tambour door automatically opens during insertion of
the cassette into the dispenser. The picker can pick notes through the

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opening. A spring loaded housing wall tab retains the picker shaft in ;mating
connection with a drive pin. The note-transporter can move notes vertically
and horizontally. The note-transporter includes belts between an idle shaft
and a drive shaft The idle shaft is vertically movable relative to a drive shaft
to maintain belt tension. The note-transporter also includes convexly tapered
rollers that automatically re-centre a loose belt. A presenter gate is at a note-
dispensing outlet of the machine. The gate is opened by actuating a lever
linked with an arm connected to the gate. The gate opens by moving a pin
upward in an angled slot.
WO Application of Diebold, Incorporated, bearing No. 2004059419 dated
2004-07-15 describes automated banking machine currency dispenser
modules. Their dispenser modules include structure permitting their
securement in stacked and aligned relation. Their dispenser modules can
contain sheet media such as notes and other items. The dispenser modules
can be used in an automated banking machine operative to dispense multiple
types of sheet media. Modules include a projection plate and a biasing latch
arm on side walls thereof. The projection plate includes a pin adapted to be
received in a side wall slot. A first module is locked to a second module
through a first module latch preventing movement of a second module pin
from a first module slot. Disassembly of the locked modules can occur with
compressing of the latch to release the modules relative to each other.
Another relevant prior art, US Pat. Application No. 20040178263 of Jones
et al dated 03/09/2004 reports an ATM currency dispenser with belt
tensioning arrangement. Jones et afs ATM includes a currency note
dispenser having a currency cassette, a note picker, a note-transporter, and a
note presenter. A cassette tambour door automatically opens during insertion
of the cassette into the dispenser. The picker can pick notes through the
opening. A spring loaded housing wall tab retains the picker shaft in mating
connection with a drive pin. The transporter can move notes vertically and
horizontally. The transporter includes belts between an idle shaft and a drive
shaft. The idle shaft is vertically movable relative to a drive shaft to maintain
belt tension. The transporter also includes convexly tapered rollers that
automatically recenter a loose belt. A presenter gate is at a note dispensing
outlet of the ATM. The gate is opened by actuating a lever linked with an arm
connected to the gate. The gate opens by moving a pin upward in an angled
slot.
U.S. Pat. No. 5,183,999 also discloses a self-served transaction system in
which a robot, being built into the system, transfers papers and a card to and
from a card access port and a paper currency depositing/receiving port, a
card processor or a paper dispenser installed in the system.
Japanese Patent Kokai H-5-81510 discloses a paper processor, in which a
robot transfers papers by gripping them by a grip to and from a paper storage
formed in an automatic transaction system body and its destination. The said
Japanese Patent Kokai H-5-81510 is capable of handling papers (paper
currency) but is not capable of handling cards or bank statements.

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US Pat. No. 4,355,369 to Garvin dated 10/19/1982 describes an automatic
high speed, computer controlled banking machine. One of the main features
of the said US Pat. No. 4,355,369 is the when in the supervisory mode an
operator selects one of several functions for setting the operational
parameters of the system. The selected functions include setting the time of
day, setting the calendar date, updating a bad account file and activating an
accounting function. Periodic system update and checkout, including the
loading of bad account numbers into the system, is provided by operation of
the supervisory key switch to place the system in a supervisory mode.
US Pat. No. 4,649,832 to Hain et a/ dated 03/17/1987 narrates a drive-in,
self- service banking system. The said US 4,649,832 includes a walk-in kiosk
housing an ATM, the ATM including a user console provided in a front wall of
the kiosk. Their ATM includes a safe in which are housed a currency
dispenser unit and a depository unit when the safe is closed. The dispenser
and depository units are mounted on the safe door, and when the door is fully
opened, these units are pivoted through 180 degrees from their home
positions to positions outside the safe. The kiosk includes a movable portion,
which is pivotable through 90 degrees to an extended position in order to
accommodate the safe door and the dispenser and depository units when the
door is pivoted to its fully open position. The kiosk provides a secure enclosed
environment for an authorized person who has opened the safe door for the
purpose of carrying out a servicing or note replenishment operation.
EP Pat. No. 3,382,56 to Brandt, Inc. dated 10/25/1989 describes a
simplified currency dispenser especially adapted for use at high volume low
dollar amount transaction locations. Their dispenser adapted alternatively to
transport a selected mix of currency notes from first and second supplies to a
delivery location and to display the dollar value of the delivered notes or to
transport notes from only one of said supplies to said delivery location and to
display the number of notes transported. The dispenser includes a first key
pad and display on the dispenser housing for use during a counting operation
and a remote key pad and display for use during a dispenser operation. The
housing is made in upper and lower sections for ease of manufacture and
servicing. It is adapted for either countertop installation or below the counter
installation.
After an exhaustive study on both relevant and related patent documents
and on existing conventional currency-dispensing devices it has been found
that till date currency-leafs are dispensed as separate leafs or loose leafs and
not in bundles. The notes that can be dispensed through the prevailing
currency-dispensing device need to be crisped. The prevailing device
dispenses currency leafs whose physical condition are close to freshly minted
condition which are termed as "ATM grades notes". There is no mechanism in
the prevailing device to include currency leafs other than "ATM grades notes"
which are in soiled, folded condition, i.e., "street grade currency notes". Banks
have had to weed out the "street grade currency notes" which cannot be
dispensed by the prevailing device. In the rapidly changing global scenario of
economy, people need currency notes having various denominations. It is a
disadvantage of the present currency-dispensing device, particularly in India,

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that the prevailing currency dispensing is only for two denomination, viz., INR
100, and INR 500. Moreover, in the prevailing device currency leafs are
loaded in the cassette as loose leafs from which leafs are dispensed. The
cassettes do not have any automated counting mechanism to ascertain the
number of notes present in the cassette at any given point of time.
Thus, it would be desirable to devise a smart bundle cash dispenser
(BCD) that obviates the existing problems of the prior arts.
3. SUMMARY AND OBJECTS OF THE INVENTION
Accordingly, the present invention is directed to propose a smart bundle
cash dispenser (BCD) for dispensing multiple bundles of currency notes of
various denominations having any grade available in the economy from a
stacker of the said BCD, and which is also capable to ascertain the number of
notes present in the cassette of the said BCD at any instant.
An object of the present invention is to provide a smart bundle cash
dispenser (BCD) for dispensing currency leaf-bundles which may be in the
form of multiple bundles.
Another object of the present invention is to provide a smart bundle cash
dispenser (BCD) for dispensing currency leaf-bundles which are in various
denominations having any grade available in the prevailing economy.
Another further object of the present invention is to provide a smart bundle
cash dispenser (BCD) for dispensing currency leaf-bundles, which can also
dispense "street grade currency notes", e.g., in soiled, crumpled condition.
Yet another object of the present invention is to provide a smart bundle
cash dispenser (BCD) for dispensing currency leaf-bundles having provisions
for automated counting in order to ascertain the exact number of notes /
bundles present in the cassette of the said BCD at any given point of time.
To achieve these and other advantages and in accordance with the
purpose of the present invention, as embodied and broadly described, the
smart bundle cash dispenser for dispensing currency leaf-bundles, according
to the invention, comprises:
a plurality of stackers, each for either same or different denomination, in which
a plurality of currency leaf-bundles are stacked, stacker being fit to size for
a particular denomination and also modular in function for replacing to
accommodate same denomination stacker thereby eliminating errors
during refilling the said stackers;
a plurality of plunger plates each controlled by a motor is responsible for
moving the said plurality of leaf bundles out of the stacker on the conveyor
belt;
a built-in intelligent dispensing unit for dispensing the said leaf-bundles in
which the said bundle dispensing unit dispenses the said leaf-bundles

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packed in plastic, paper envelopes etc. with 100 % bundle dispensing
accuracy;
an algorithm enabling the said dispenser unit to dispense the said leaf-
bundles in best possible ways as per pre-determined transaction logic
rules, the said logic rules get parameters of transaction from the said
dispensing unit after completion of a single transaction;
a presenting unit for presenting all the said leaf-bundles that makes up for that
particular transaction simultaneously to the customer for collection after
dispensing cycle is completed, the said presenting unit not being limited by
the number of the said leaf-bundles to be dispensed per transaction; and
a safe unit having an electro-mechanical safe lock, a built in alarm and safety
for unauthon'zed access of the said safe, the said stackers and dispenser
being housed in the said safe and the said safe lock being controlled by a
software;
whereby
the said smart bundle cash dispenser is able to have automated amount
recognition whenever the said stacker is refilled by generating inventory of
the number of the said leaf-bundles of various denomination present in
each of the said stackers and by acknowledging the numbers of the said
leaf-bundles loaded in each of the said stackers thereby eliminating all
possibilities of the frauds, threats, errors etc.; and
the said components of the said bundle cash dispenser are linked to a
microprocessor-based control unit having critical data for each of the
transactions, refilling, reconciliation audit-trail for number of the said leaf-
bundles present in each of the said stackers, number of the said leaf-
bundles dispensed, the said control unit having functions like power off /
on, critical alarm situation like the said safe door opened and/or, stacker
not in place etc., dispensing signal, the said ieaf-bundles count per
transactions locking, top-up security for uniform loading of currency, the
said stacker mismatch alarm, all the said functions are activated whenever
signals received by the said bundle cash dispenser from the said sensors
and microprocessors;
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein each of the said stackers having a door-
open limit switch and a solenoid controlled mechanism for easier and safer
cash loading into the said stackers, is embedded with built-in microprocessor
chip to ensure prevention of fraud, unauthorized replacement of the said
stackers by disabling the said dispenser.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein the said bundle dispenser includes all the
components of this embodiment in a single housing in order to make it a
compact one and the said built-in intelligent dispensing unit is electrically
locked until it gets signals from the said microprocessor-based control unit for
authorized transactions.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein each of the said stackers has individual

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outlet, and below the said outlets there is a conveyor-belt common for all, the
said outlets facilitating collection of leaf-bundles by customer.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein each of the said stackers and each of the
said outlets keep its own count for the number of the said leaf-bundles
present at any instance by using the said software as well as the said
transaction logic rules and in case of discrepancy an error log is generated
and an alarm is buzzed.
Another embodiment of the present invention is presented hereinafter.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, comprises:
a plurality of stackers, each for different denomination, in which a plurality of
currency leaf-bundles are stacked, stacker being fit to size for a particular
denomination and also modular in function for replacing to accommodate
same denomination stacker thereby eliminating errors during refilling the
said stackers;
a rotating friction disc moving simultaneously the said plurality of leaf-bundles
from the said plurality of stackers on presenter activating the said
dispenser sensor thereby electrically locking the said dispensing unit;
a built-in intelligent dispensing unit for dispensing the said leaf-bundles in
which the said bundle dispensing unit dispenses the said leaf-bundles
packed in plastic, paper envelopes etc. with 100 % bundle dispensing
accuracy;
an algorithm enabling the said dispenser unit to dispense the said leaf-
bundles in best possible ways as per a pre-determined transaction logic
rules, the said logic rules gets parameters of transaction from the said
dispensing unit after completion of a single transaction, dispensing speed
being less than 3 seconds per leaf-bundle per stacker;
a presenting unit for presenting all the said leaf-bundles that makes up for that
particular transaction simultaneously to the customer for collection after
dispensing cycle is completed, the said presenting unit not being limited by
the number of the said leaf-bundles to be dispensed per transaction;
a retraction unit coupled to the said presenting unit for receiving the
uncollected leaf-bundles; and
a safe unit having a fire-proof safe, an electro-mechanical safe lock, a buitt in
alarm and safety for unauthorized access of the said safe, the said
stackers and dispenser being housed in the said safe and the said safe
lock being controlled by a software;
the said smart bundle cash dispenser is able to have automated amount
recognition whenever the said stacker is refilled by generating inventory of
the number of the said leaf-bundles of various denomination present in
each of the said stackers and by acknowledging the numbers of the said
leaf-bundles loaded in each of the said stackers thereby eliminating all
possibilities of the frauds threats, errors etc.;
the said components of the said bundle cash dispenser are linked to a
microprocessor-based control unit having critical data for each of the
transactions, refilling, reconciliation audit-trail for number of the said leaf-

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bundles present in each of the said stackers, number of the said leaf-
bundles dispensed, the said control unit having functions like power off /
on, critical alarm situation like the said safe door opened and/or, stacker
not in place etc., dispensing signal, the said leaf-bundles count per
transactions locking, top-up security for uniform loading of currency, the
said stacker mismatch alarm, all the said functions are activated whenever
signals received by the said bundle dispenser from the said sensors and
microprocessors;
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein each of the said stackers having a door-
open limit switch and a solenoid controlled mechanism for easier and safer
cash loading into the said stackers, is embedded with built-in microprocessor
chip to ensure prevention of fraud, unauthorized replacement of the said
stackers by disabling the said dispenser.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein the said bundle dispenser includes all the
components of this embodiment in a single housing in order to make it a
compact one and the said built-in intelligent dispensing unit is electrically
locked until it gets signals from the said microprocessor-based control unit for
authorized transactions.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein each of the said stackers has individual
outlet, and below the said outlets there is a conveyor-belt common for all the
said outlets facilitating collection of leaf-bundles by customer.
The smart bundle cash dispenser for dispensing currency leaf-bundles,
according to the invention, wherein each of the said stackers and each of the
said outlets keep its own count for the number of the said leaf-bundles
present at any instance by using the said software as well as the said
transaction logic rules and in case of discrepancy an error log is generated
and an alarm is buzzed.
The various features of novelty that characterise the invention are pointed
out with particularity in the claims annexed to and forming a part of this
disclosure. For a better understanding of the invention, its operating
advantages and specific objects attained by its uses, reference is made to the
accompanying drawings and descriptive matter in which preferred
embodiments of the invention are illustrated.
4. BRIEF DESCRIPTION OF THE ACCOMPANYING DRAWINGS
A more complete understanding of the present embodiments and
advantages thereof may be acquired by referring to the following description
taken in conjunction with the accompanying drawings, in which like reference
numbers/signs indicate like features, and wherein:

9
Fig. 1 shows a smart bundle cash dispenser (BCD);
Fig. 2 is a schematic diagram illustrating a sub-assembly of the bundle cash
dispenser for dispensing currency leaf-bundles, according to the present
invention;
Fig. 3 depicts front and rear views of the BCD exploring inner components
and circuitry, according to the present invention;
Fig. 4 is the enlarged view of a bundle cash dispenser (BCD) sub-assembly
shown in Fig. 2, according to the present invention;
Fig. 5 illustrates the components responsible for the operation of the exit door
assembly, according to the present invention;
Fig. 6 is an enlarged view of the stacker with load cells;
Fig. 7 is an exploded view illustrating top position weight plate limit switch of
the BCD;
Fig. 8 is an exploded view illustrating bottom position weight plate limit switch
of the BCD;
Fig. 9 indicates the loading operation on the BCD sub-assembly;
Fig. 10 shows linear slide (OptoCoupler) and the position of the solenoid to
keep counter weight in place while loading bundles;
Fig. 11 indicates the plunger plate of the BCD in retracted position;
/
Fig. 12 shows the plunger plate of the BCD in extended position; and
Fig. 13 is the main micro control board of the BCD.
5. DETAILED DESCRIPTION OF THE INVENTION WITH REFERENCE TO
THE ACCOMPANYING DRAWINGS
The Bundle Cash Dispenser (BCD) is a modular assembly that contains a
stacker for stacking currency notes, a weight plate, linear encoder, RFID
unique identification device, limit switches, actuators and a dedicated control
board. The control board is integrated in the BCD assembly.
Generally an ATM (automated teller machine) unit comprises a plurality of
bundle cash dispensation assemblies (4 or 5), the Graphical User Interface
(GUI), safe, loading bay, conveyor, printer, CCD camera, sensors and other
relevant accessories.
The bundle cash dispenser (BCD) operates in the following modes:
1.'POWER ON'mode,

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2. 'LOADING' mode,
3. 'OUT OF SERVICE' mode,
4. 'SUSPEND' mode,
5. 'IN SERVICE1 mode and
6. 'OFF LINE1 mode.
The modes of operation of the BCD are described hereinafter.
1. 'POWER ON' mode:
The 'POWER ON' mode is initiated when power is applied to the ATM.
The system is powered up and POST (Power-on-self-test) is initiated. The
Power-on-self-test (POST) is a sequence of tests that are run on the various
subsystems of the ATM for validating the operation of every operational
element of the system (to the extent feasible). The following tests are
envisaged:
(i) Power Supply:

The power management systems check the validity of all output voltages
that are to be fed to the subsystems in both idle and on-load condition. The
output voltage monitor returns values read by the A/D converters and if the
returned values are within range the output relays are energized to supply
power to the system elements viz., safe, BCD assembly, conveyor motor, lead
screw motor, plunger assembly, load cells.
The power monitoring system monitors the excitation and response when
individual elements are turned on to check for normal operation. If all returned
values are within range, the power supply test is concluded and system
becomes operational.
(ii) Redundant Power Supply Assembly:
Provision is made for redundancy in the power supply. Should the primary
supply fail during the POST operation; it is isolated and an auxiliary power
supply is turned on and POST carried out for checking its suitability.
If any of the connected sub-assembly is under a persistent fault as
detected by the load sensor for that sub-assembly; the sub-assembly is
reverted to 'FAULT' mode and can now be called into operation only after the
fault is removed the 'FAULT' acknowledged.
The system records a log of the failures during POST for future analysis.

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(iii) BCD Sub-assembly:
During POST the following actions are carried out for validating the
operational status of the BCD sub-assembly.
Following inputs are sampled for their healthy conditions.
a. S-6 (loading bay door switch). This switch should be closed (N/C).
b. S-3 (Weight Plate pressure switch). This switch should be closed (N/C)
indicating that the currency notes in the bundle cash dispenser are
"pressurized".
c. S-1 (solenoid switch). This switch should be open (N/O) since S-3 is
operated indicating that the pressure plate is at an intermediate position;
also feedback from the linear slide (optocoupler) it also used for validating
this input.
d. S-2 (weight Plate in bottom most position). This switch should be normally
open (N/O). Cross-verification input is taken from the linear slide
(optocoupler).
e. S-5 (plunger retracted switch). This switch should be open (N/O) since
under idle conditions the home position of the stack pusher is in the
"extended" position.
f. S-4 (plunger extended switch). This switch should be closed (N/C) and
should provide a logic input, which is the complement of the S-5 position.
Under no conditions should S-4 and S-5 exhibit the same logic state. This
is because these events are mutually exclusive.
g. Checking the operation of the exit door assembly. M-4 Motor is started
until S-12 feedback is obtained and thereafter stopped and reversed until
S-11 operates and then stopped.
When starts command is received; it is received from all the boards. At this
time the "main board" does to take any action. After all 4 bins have
dispensed, the gate position is checked and if it is open then the conveyor
starts and runs for predetermined interval (seconds). After this, conveyor
stops and gate closes. S11 gives closed feedback and S12 is open
feedback. There should be a provision for reversing the motor.
h. Belt rotation is initiated by operating M-3 Motor and conveyor runs for a
fixed interval and then stops. Also solenoid connected to each stacker is
tested for proper operation.
i. Each stacker has two-load cells associated with it. Load cells are used for
accurate calibration of weight and also for measuring the current weight
Load cell has a very high level of accuracy and hence is more reliable
source for measuring the weight.

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2. LOADING' mode:
The following procedure is followed during the loading mode.
1. Upload all stacker values to the server.
2. Disable Dispenser Motor.
3. Activate Safe.
4. Detect stacker loading bay door opening via limit switch.
5. Upon detection, log date and time and transmit to control board for
updating database.
6. Move the weight plate upwards. On reaching the topmost position
the solenoid switch closes and locks the weight plate in that
position.
7. The top position weight plate limit switch restricts the movement of
the weight plate beyond a particular point in the upward direction.
8. Similarly a bottom position weight plate limit switch restricts the
movement of the weight plate beyond a particular point in the
downward direction.
9. Now load the currency into the BCD stacker.
10. When the stacker top-up operation is completed, move the weight
plate downwards. This motion sets the solenoid into action and the
solenoid switch open. When the weight plate comes in contact with
the bundles in the stacker the weight plate pressure switch
operates. At this position the encoder counts are read off the
quantity and transmitted to the Main Control Board for updating the
database on the number of bundles loaded into a specific stacker.
The count of number of bundles in each stacker is calculated by the
load cell and linear slider (OptoCoupler) assembly associated with
each stacker.
11. The procedure is repeated for all the stackers.
12. The stackers can be completely filled or partially filled.
13. Once the stackers are filled with bundles the loading bay door of
each stacker is closed and this can be detected by loading bay door
switch.
14. Then the "SAFE" door is closed

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15. The Main control board calculates the amount of currency available
in each of the stackers and transmits this information to the Server.
16. Till the "SAFE" door is closed no dispense action can take place.
17. The server updates the user on the number and denomination of
currency inserted during the last loading cycle. Upon the user
confirming the transaction the system updates all records and is
now ready to be deployed into operation.
3. 'OUT OF SERVICE' mode:
The Machine is set to 'Out of Service1 mode when any flaw or error in
functioning is detected.
Any security breach as detected by 'safe condition' or if any of the stacker
loading trays are opened. The dispensing algorithm is bypassed and the
machine is restored to safe off condition and all operations are suspended.
4. 'SUSPENDED' mode:
If the machine is operational in the "In-Service" mode and a fraud or
tampering is detected the machine is forced to a 'Suspended' mode of
operation. In the suspended mode of operation all operations are aborted.
The dispense algorithm is bypassed and the machine can only be restored
back to 'In-Service' mode after a complete sequential check carried out by an
authorised personnel (this will be communicated to the Main Control Board by
the Server). The server will likewise provide instruction to exit the suspended
mode.
5. 'IN-SERVICE' mode:
This is the normal mode of operation when the machine is ready to service
a dispense request from the server. This mode signals that all sub-systems
are operational, the logic checks and validation has been completed
satisfactorily.
6. 'OFF-LINE' mode:
The Machine is set to the "OFF-LINE" mode when the BCD is being
serviced or any regular maintenance is being carried out Whilst in this mode,
the dispensation algorithm is bypassed. Only diagnostic routines can be
executed and certain conditions can be manually over-ridden.
According to the present invention there is a smart bundle cash dispenser
for dispensing multiple currency leaf-bundles of various denomination, e.g.,
INR 5, INR 10, INR 20, !NR 50, INR 100 from a plurality of currency leaf-
bundles stackers. The said currency leaf-bundles of various denominations
are stacked in the said plurality of stackers. Each of the said plurality of

14
stackers is for either same or different denomination of plurality of currency
leaf-bundles. The said stackers are fit to size for a particular denomination of
currency leaf-bundles. Stackers are also modular in function for replacing to
accommodate same denomination stacker thereby eliminating errors during
refilling the said stackers. There are at least four number of stacker per
dispensing unit and at least fifty currency leaf-bundles per stacker. The said
currency leaf-bundles may be in plastic or paper envelopes as per the present
RBI policy (in India). "Street grade currency notes" which are in soiled,
crumpled condition can also be dispensed by the said smart bundle cash
dispenser.
Each of the said stackers has a door-open limit switch and a solenoid
controlled mechanism for easier and safer cash loading into the said stackers.
Moreover, the said stackers are embedded with built-in microprocessor chip
to ensure prevention of fraud, unauthorized replacement of the said stackers
by disabling the said dispenser if cash overflows than that of the pre-
determined required level. Each of the said stackers has individual outlet, and
below the said outlets there is a conveyor-belt common for all the said outlets
facilitating collection of leaf-bundles by customer. Each of the said
stackers and each of the said outlets keep its own count for the number of the
said leaf-bundles present at any instance by using the said software as well
as the said transaction logic rules and in case of discrepancy an error log is
generated and an alarm is buzzed.
The said smart bundle cash dispenser, according to the present invention
has a built-in intelligent dispensing unit for dispensing the said currency leaf-
bundles. The said bundle-dispensing unit dispenses the said leaf-bundles
packed in plastic, paper envelopes etc. with 100% bundle dispensing
accuracy. A plunger plate, which is controlled by a motor, moves
simultaneously the said plurality of leaf-bundles from the said plurality of
stackers on a conveyor during each of the transactions. The conveyor belt
does not start its motion till all the plunger plates come back to its original
position i.e., all the stackers have completed dispensing bundles. The motion
of conveyor belt is the initiated for a fixed predetermined interval during which
all the bundles on the conveyor belt are pushed out for withdrawal in the
presenter unit. After which the conveyor belt stops its motion and the output
gate is closed. The next dispensing operation cannot start till the gate closing
is detected. The said bundle dispenser includes all the components in a single
housing in order to make the said smart currency bundle dispenser a compact
one. The said built-in intelligent dispensing unit is electrically locked until it
gets signals from the said microprocessor-based control unit for authorized
transactions. Total capacity of the said dispensing unit and the said stacker
unit may have at least at an average INR 0.9 million of various denomination,
or in a total 4000 number of currency leaf-bundles.
A presenting unit for presents all the said leaf-bundles that makes up for
that particular transaction simultaneously to the customer for collection after
dispensing cycle is completed. The said presenting unit is not limited by the
number of the said leaf-bundles to be dispensed per transaction.

i<
15


An algorithm enables the said dispenser unit to1 dispense the said leaf-
bundles in best possible ways. A pre-determined set of transaction logic rules
constitutes the said algorithm. The said logic rules get parameters of each of
the transactions from the said dispensing unit after completion of a single
transaction. As an example, the said transaction logic rules send commands
whether a INR 50 bundle and a INR 20 bundle have to be dispensed or 3
numbers of INR 20 bundle and one number of INR 10 bundle have to be
dispensed, when a customer comes for a INR 7000 transaction.
Sometimes, a retraction unit is also coupled to the said presenting unit for
receiving the uncollected leaf-bundles.
The said smart bundle cash dispenser, according to the present invention
includes a safe unit having an electro-mechanical safe lock, a built in alarm
and safety for unauthorized access of the said safe. The said stackers and
dispenser are housed in the said safe and the said safe lock is controlled by
software. The said safe unit has an optional fireproof material used in the said
safe.
The said smart bundle cash dispenser, in accordance with the present
invention, is able to recognize automatically the amount of the currency leaf-
bundles when the said stacker is refilled. This automated currency recognition
system is carried out by generating inventory of the number of the said leaf-
bundles of various denominations present in each of the said stackers and by
acknowledging the numbers of the said leaf-bundles loaded in each of the
said stackers. This automated currency recognition system eliminates all
possibilities of the frauds, threats, errors etc.
As seen from Fig, 13, the main micro control board contains the following
basic operation.
1. Power monitoring and Management.
2. Communication with the Bundle Cash Dispenser modules on a RS-485
Network. Each board is provided with a distinct ID.
3. Network control and command. Transmitting information to the BCD
control boards about the type of control action to be initiated.
4. Diagnostic check of BCD Control board cards by seeking array information
of the switch positions and checking against pre-defined templates.
5. Control output for Locking and Unlocking the safe with feedback from the
'electronic-safe' door open / close sensors.
6. Authenticated access to diagnostic routines for complete machine check
out.
7. Serial communication link with host is initiated and checked.

16
8. Encoding and Decoding and Error Handling of the Data Stream that is
received from respective BCD's.
9. Non-volatile storage of transactions (No of transactions stored on OFF-
Line non-volatile storage to be specified).
10. Backup of data on currency available for dispensation.
11. Dispensing algorithm.
12. Watchdog timer implementation for the Front end server.
13. Pre-operational and operational data base generation:
(i) No of stackers present;
(ii) Stacker mapping reporting denominations;
(Hi) Stock taking based on encoder feedback of individual stackers
and weight received from the load cell;
(iv) Pre-dispensation status of stock;
(v) Post-dispensation status of stock;
(vi) Cross-validation with front-end server to signal completion of
satisfactory transaction.
14. Pre-loading and post-loading status reporting.

BCD
Definition Pre-Loading Post-loading Diff.
Encoder
count Diff. Bundle
count Encoder
Tolerance
Encoder
Count
(C1) Bundle
Count
(B1) Encoder
Count
(C2) Bundle
Count
(B2) (C1-C2) (B1-B2) Counts
( + /-)
BCD-1
BCD-2
BCD-3
BCD-4
15. Pre and Post transaction record.

BCD
Definition Pre-transaction Post-transaction Diff. Encoder
count Diff.
Bundle
count Encoder
Tolerance
Encoder
Count
(C1) Bundle
Count
(B1) Encoder
Count
(C2) Bundle
Count
(B2) (C1-C2) ( B1-B2 ) Counts
( + /-)
BCD-1
BCD-2
BCD-3
BCD-4

17
16. Transaction reporting to server.
Once a transaction is completed the main control board messages the
server with the following information:
(i) Amount Requested:
(ii) Amount Dispensed :
(iii) Currency denominations dispensed:
(iv) Current position of stack after dispensation.
(v) Stack position prior to dispensation.
(vi) Encoder verification trail with weight comparison.
(vii) Date and Time of transaction.
After receiving and acknowledge from the main server the system readies
itself for the next operation.
All the components of the said bundle cash dispenser are linked to a
microprocessor-based controf unit. The said control unit have critical data for
each of the transactions, refilling, reconciliation audit-trail for number of the
said leaf-bundles present in each of the said stackers, number of the said
leaf-bundles dispensed. The said control unit performs functions like power off
/ on, critical alarm situation like the said safe door opened and/or, stacker not
in place etc., dispensing signal, the said leaf-bundles count per transactions
locking, top-up security for uniform loading of currency, the said stacker
mismatch alarm. All the said functions of the said control unit are activated
whenever signals are received by the said bundle cash dispenser from the
said sensors and microprocessors.
While the principles of this invention have been described in connection
w$h specific embodiment, it should be understood clearly that these
descriptions are made only by way of example and are not intended to limit
the scope of the invention.

18
We Claim:
1. A smart bundle cash dispenser for dispensing currency leaf-bundles
comprising:
a plurality of stackers, each for either same or different denomination, in which
a plurality of currency leaf-bundles are stacked, stacker being fit to size for
a particular denomination and also modular in function for replacing to
accommodate same denomination stacker thereby eliminating errors
during refilling the said stackers;
a plurality of plunger plates each controlled by a motor is responsible for
moving the said plurality of leaf bundles out of the stacker on the conveyor
belt;
a built-in intelligent dispensing unit for dispensing the said leaf-bundles in
which the said bundle dispensing unit dispenses the said leaf-bundles
packed in plastic, paper envelopes etc. with 100 % bundle dispensing
accuracy;
an algorithm enabling the said dispenser unit to dispense the said leaf-
bundles in best possible ways as per pre-determined transaction logic
rules, the said logic rules get parameters of transaction from the said
dispensing unit after completion of a single transaction;
a presenting unit for presenting all the said leaf-bundles that makes up for that
particular transaction simultaneously to the customer for collection after
dispensing cycle is completed, the said presenting unit not being limited by
the number of the said leaf-bundles to be dispensed per transaction; and
a safe unit having an electro-mechanical safe lock, a built in alarm and safety
for unauthorized access of the said safe, the said stackers and dispenser
being housed in the said safe and the said safe lock being controlled by a
software;
whereby
the said smart bundle cash dispenser is able to have automated amount
recognition whenever the said stacker is refilled by generating inventory of
the number of the said leaf-bundles of various denomination present in
each of the said stackers and by acknowledging the numbers of the said
leaf-bundles loaded in each of the said stackers thereby eliminating all
possibilities of the frauds, threats, errors etc.; and
the said components of the said bundle cash dispenser are linked to a
microprocessor-based control unit having critical data for each of the
transactions, refilling, reconciliation audit-trail for number of the said leaf-
bundles present .in each of the said stackers, number of the said leaf-
bundles dispensed, the said control unit having functions like power off /
on, critical alarm situation like the said safe door opened and/or, stacker
not in place etc., dispensing signal, the said leaf-bundles count per
transactions locking, top-up security for uniform loading of currency, the
said stacker mismatch alarm, all the said functions are activated whenever
signals received by the said bundle cash dispenser from the said sensors
and microprocessors;
2. A smart bundle cash dispenser as claimed in claim 1, wherein each of the
said stackers having a door-open limit switch and a solenoid controlled

19
mechanism for easier and safer cash loading into the said stackers, is
embedded with built-in microprocessor chip to ensure prevention of fraud,
unauthorized replacement of the said stackers by disabling the said
dispenser.
3. A smart bundle cash dispenser as claimed in any of the claims 1 and 2,
wherein the said bundle dispenser includes all the components of this
embodiment in a single housing in order to make it a compact one and the
said built-in intelligent dispensing unit is electrically locked until it gets signals
from the said microprocessor-based control unit for authorized transactions.
4. A smart bundle cash dispenser as claimed in any of the claims 1, 2 and 3,
wherein each of the said stackers has individual outlet, and below the said
outlets there is a conveyor-belt common for all, the said outlets facilitating
collection of leaf-bundles by customer.
5. A smart bundle cash dispenser as claimed in any of the claims 1, 2, 3 and
4, wherein each of the said stackers and each of the said outlets keep its own
count for the number of the said leaf-bundles present at any instance by using
the said software as well as the said transaction logic rules and in case of
discrepancy an error log is generated and an alarm is buzzed.
6. A smart bundle cash dispenser for dispensing currency leaf-bundles
comprising
a plurality of stackers, each for different denomination, in which a plurality of
currency leaf-bundles are stacked, stacker being fit to size for a particular
denomination and also modular in function for replacing to accommodate
same denomination stacker thereby eliminating errors during refilling the
said stackers;
a rotating friction disc moving simultaneously the said plurality of leaf-bundles
from the said plurality of stackers on presenter activating the said
dispenser sensor thereby electrically locking the said dispensing unit;
a built-in intelligent dispensing unit for dispensing the said leaf-bundles in
which the said bundle dispensing unit dispenses the said leaf-bundles
packed in plastic, paper envelopes etc. with 100 % bundle dispensing
accuracy;
an algorithm enabling the said dispenser unit to dispense the said leaf-
bundles in best possible ways as per a pre-determined transaction logic
rules, the said logic rules gets parameters of transaction from the said
dispensing unit after completion of a single transaction, dispensing speed
being less than 3 seconds per leaf-bundle per stacker;
a presenting unit for presenting all the said leaf-bundles that makes up for that
particular transaction simultaneously to the customer for collection after
dispensing cycle is completed, the said presenting unit not being limited by
the number of the said leaf-bundles to be dispensed per transaction;
a refraction unit coupled to the said presenting unit for receiving the
uncollected leaf-bundles; and
a safe unit having a fire-proof safe, an electro-mechanical safe lock, a built in
alarm and safety for unauthorized access of the said safe, the said

stackers and dispenser being housed in the said safe and the said safe
lock being controlled by a software;
the said smart bundle cash dispenser is able to have automated amount
recognition whenever the said stacker is refilled by generating inventory of
the number of the said leaf-bundles of various denomination present in
each of the said stackers and by acknowledging the numbers of the said
leaf-bundles loaded in each of the said stackers thereby eliminating all
possibilities of the frauds threats, errors etc.;
the said components of the said bundle cash dispenser are linked to a
microprocessor-based control unit having critical data for each of the
transactions, refilling, reconciliation audit-trail for number of the said leaf-
bundles present in each of the said stackers, number of the said leaf-
bundles dispensed, the said control unit having functions like power off /
on, critical alarm situation like the said safe door opened and/or, stacker
not in place etc., dispensing signal, the said leaf-bundles count per
transactions locking, top-up security for uniform loading of currency, the
said stacker mismatch alarm, all the said functions are activated whenever
signals received by the said bundle dispenser from the said sensors and
microprocessors;
7. A smart bundle cash dispenser as claimed in claim 6, wherein each of the
said stackers having a door-open limit switch and a solenoid controlled
mechanism for easier and safer cash loading into the said stackers, is
embedded with built-in microprocessor chip to ensure prevention of fraud,
unauthorized replacement of the said stackers by disabling the said
dispenser.
8; A smart bundle cash dispenser as claimed in any of the claims 6 and 7,
wherein the said bundle dispenser includes all the components of this
embodiment in a single housing in order to make it a compact one and the
said built-in intelligent dispensing unit is electrically locked until it gets signals
from the said microprocessor-based control unit for authorized transactions.
9. A smart bundle cash dispenser as claimed in any of the claims 6, 7 and 8,
wherein each of the said stackers has individual outlet, and below the said
outlets there is a conveyor-belt common for all the said outlets facilitating
collection of leaf-bundles by customer.
10. A smart bundle cash dispenser as claimed in any of the claims 6, 7, 8 and
9, wherein each of the said stackers and each of the said outlets keep its own
count for the number of the said leaf-bundles present at any instance by using
the said software as well as the said transaction logic rules and in case of
discrepancy an error log is generated and an alarm is buzzed.


Dated this 3rd day 2006.
To,
The Controller of Patents
The Patent Office, Mumbai