THE PATENTS ACT, 1970
COMPLETE SPECIFICATION
Section 10
"A Method Of Getting Packets Of Notes From A Packet Based Cash Vending
Machine."
ICICI Bank Limited, an Indian Company, of ICICI Bank Towers, Bandhra Kurla Comples, Bandra (East), Mumbai, Maharashtra, India.
The following specification particularly describes the nature of this invention and the manner in which it is to be performed:

Field of Invention
The instant invention relates to a method of getting packets of notes from a packed based cash vending machine.
Background of the Invention
Banking industry has been transformed in its way of operation with the introduction of automation at various levels. Banks have incorporated various facilities including telephonic banking, net banking etc. in order to make their clients comfortable with availability of various flexible options of transactions. Thus, modernization and automation of banking industry has introduced much more flexibility in comparison to traditional banking.
One of the examples of automation in banking industry is ATM i.e. Automatic Teller Machine which allow the user of the bank identify himself and help him transact. These machines are connected to the central database server of the banks and automatically update the customer's account on any transaction. In order to dispense currency they store bank notes within themselves, which are replenished as per a fixed schedule or as and when required. Due to the machine counting apparatus employed in these machines, the quality of notes to be fed in has to be of a certain minimum standard quality called ATM fit notes.
During currency circulation and its use, the quality of currency notes gets deteriorated and they do not remain ATM fit and are then used for cash handling over-the-counter i.e. during manual transactions between the customer the and the bank. Certain notes become totally unusable or soiled and are returned to the central bank (RBI in case of India) for disposal.

Presently, in banking practices, the above are the two major sources for cash withdrawals, i.e. On the Counter and other ATM, both the sources require cash, which is processed and is fit for circulation as per the RBI guidelines for Clean Note Policy.
When cash is processed at the currency chest of Bank, ATM fit / Non ATM fit or Counter-issuable / Soiled cash in all denominations are obtained. The higher denominations and ATM quality notes are replenished in the ATM's for withdrawals. The higher denominations and counter-issuable notes are given to the branches for their daily requirement of withdrawals. The soiled currency is
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send to RBI.
The problem, is currently faced, is with the currency of lower as well higher denominations where the customers do not prefer in their withdrawal. These notes, which are of counter issuable quality, are stocked in the ICMC or at branches of the Banks where as the customers actually need them when in market.
Vending machines often utilize, displays to advertise and sell products. These displays typically are in the form of still graphics, pictures, or text on the viewable surfaces of the vending machine. Many different types of vending machines exist for housing and selling many different types of products.
Conventional vending machines are in widespread use for the dispensing of small, low cost items like soft drinks, chocolates, snacks and magazines etc.. Some vending machines also dispense mixed products. These vending

machines often utilize smaller displays to advertise their products compared to vending machines that contain related products. Conventional vending machines have limited scope of keeping track of the products and are limited in terms of the display options available also.
Till now there is no existence of packet based cash vending machines, which can be used for dispensing preprocessed amounts in the form of a particular denomination.
It is desirable to have a system wherein the customers can have access to various denominations of notes that might not be ATM fit but are required in the market. It is desirable to have such a machine that can dispense with counter issuable notes.
Objects and Summary of the Invention
The present invention has the objective to provide with a method and apparatus to allow a user get cash in the form of a packet by means of a packet based cash vending machine.
It is also an objective (if the instant invention to provide an apparatus that dispenses pre-processed currency in the form of a packet.
It is still another objective of the instant invention to allow a customer to have a control over the denomination of currency for his withdrawal.

To achieve the aforesaid objectives the instant invention the instant invention provides a method for getting packet of notes from packet based cash vending machine comprising:
- swiping users card through the card reader;
- accepting the users card by the packet based cash vending machine;
- inserting the user's authentication code by the user;
- authenticating the user;
- entering and confirming an amount and denomination by the user;
- transferring information of the entered amount, by the machine to the authentication system;
- debiting the users account by the authentication server and thereafter authenticating the packet based cash vending machine to dispense the entered amount;
- transferring a packet of notes of the entered amount from the packet container to a collection bin;

- collection of the packet of notes by the user from the collection bin;
- sensing collection of the packet of notes from the collection bin by a first sensing means;
Brief Description Of Drawings
FIG. 1 is illustrates the instant machine.
FIG. 2 is a side view of the illustrated machine showing the arrangements of
various components.

FIG. 3 is a front open view of the illustrated machine showing the
arrangements of various components.
FIG. 4 is a packet container of illustrated machine.
FIG. 5 is illustrates the method for using the instant machine.
FIG. 6 is illustrates the method for software flow.
Detailed Description of Drawings
The present invention is not intended to be restricted to any particular form or arrangement, or any specific embodiment, or any specific use, disclosed herein, since the same may-be modified in various particulars or relations without departing from the spirit or scope of the claimed invention hereinabove shown and described of which the apparatus or method shown is intended only for illustration and disclosure of an operative embodiment and not to show all of the various forms or modifications in which this invention might be embodied or operated.
The instant invention relates to a Packet Based Cash Vending Machine, allowing a vending machine to dispense packet of selected amount of paper currency and debit the account of the user. . Here the user would collect the desired amount by swapping a card across the card detecting means and than authenticating himself by providing a password to the machine. After the user swipes the card across the card reading means, the vending machine forwards said card's information to the card authentication server, which shall process the users transaction.
This would allow dispensation of non- ATM fit / counter issuable notes, which are preprocessed and thus provides a platform for paperless transaction. The

machine also keep track of available packets of notes so that if a particular am©«nt of packet is out of stock, it will be displayed on the screen. The vending machine provides for creation of an electronic account journal and transaction audit trails for future references. The packet based vending machine is an Internet based system or stand-alone kiosk, and a customized printout of the transaction record may or may not be provided as acknowledgement. The acknowledgement of the transaction to the user is an optional feature available to the user. The vending machine can also track and dispense multiple amounts if selected.
To increase user interface a touch screen location or buttons or keys, it shall allow the user to select a packet of specific pre-configured amount and that too of the desired denomination. The machine also includes an additional mode where user can view and print last view transaction and / or current balance of his / her account. Herein, the user can view various transactions done by him and print one or more of the transactions. Another feature of the machine is continuous inventory monitoring system so that an out of stock packet's amount will not be displayed and the user problem such as selection of out of stock amount is avoided. It can also include sales promos features for cross sell.
Figure 1 illustrates an embodiment of vending machine for dispensing the preprocessed or precounted packet of notes. The system has a display means (18), which would display user the various options available. A user interface allows the user to interact with the vending machine for transaction. The user may select from any of the various options available through keys (16). The various options display availability of different amounts of packets along with type of denomination. In one embodiment, the display screen may be a touch

panel and the user may select the various options directly. However a FDK's maybe available for entering into various fixed instruction / details.
Before proceeding for transaction a user has to get authenticated himself in the system. If the user has an account with the bank, he would use his card issued on their account or any other card available with the user which is activated in the system for acceptance as payment mode and enters a PIN through approved PIN pads (17) which could be either EMV certified or any other PIN pad, or else if the use docs not have an account, he may use credit card. The user would swipe / show the card at the card reader provided with the card reader slot (15) in the system. The system would read the card for the identification of the user. The system is hooked up to the authentication server database or any other required database for checking the details.
The said setup assures the service to both the user who holds a bank account and the user who does not have a bank account. The instant invention provides the concept of directly making payment through mechanism like Cash card, Credit or Debit card, ATM card, Smart card, Loan Card, Prepaid card or any other card based payment mechanism.
When the user gets authenticated by the system, the user would select the required amount by pressing FDK (16). Upon selection of the amount, the system would trigger a debit instruction to the payment mechanism chosen by the user. This can also be facilitated by providing a touch screen panel. Upon receiving a debit confirmation from the respective payment options, the system would proceed to the next step. If the user has an account with the bank, the system would instantly check the availability of balance in the account and send a debit instruction to the Bank account.

After having secured confirmation for the payment from the user, the system process the user request, the system drop the packet at collection door (19), when user open the collection bin door the collection gate sensor panel (20) will get activated to track the door movement. After successful completion of the transaction the receipt printer (14) will print the transaction acknowledgement for user with unique transaction id. During the transaction phase the camera (11) captures the user movement or user activity, and the same is be stored with respect to that particular transaction. Herein the image capture may be in the form of a snap or a small video. During the transaction phase if the user forgets to collect the packet, it will be moved to purge bin and purge bin can only be accessed thru purge bin door (21).
Figure 2 illustrates the internal structure of an embodiment of the machine. The machine has replaceable packet trays (22). Each tray has packet stackers, which helps the packets to queue up. The packet trays include any of the tray through which this activity can be managed.
The machine comprises of a control panel (23) to control the system functionality intelligently. The control panel door sensor (24) tracks movement of the control panel door. Similarly, purge bin door sensor monitors and track the movement of purge bin door (21).
Figure 3 illustrates internal structure of an embodiment of machine. The packet trays (22) comprise an extension in them in the form of packet container (27). The packet container helps to accommodate the packets in a queue.

The machine comprises a front door sensor panel (28) to track the movement
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of the front door (13). The drop sensor panel (30) monitors and tracks a packet dropping activity. The dropped packet falls on collection tray (32), the collection sensor panel (31) monitors and tracks the packet collection activity. The purge swiper (30) swipe the packet to purge bin if the packet remains uncollected for specific /pre-configured period. The purge bin has a purge sensor panel (33), which monitors the movement of the purged packets. Another type of collection tray may be a rotating collection tray, which rotates and is configured to drop the uncollected packets in the purge bin. The collection tray has an sensor, which sense the weight of the dropped packet, and if the packet is not collected in stipulated time the tray rotates and the packet is sent to the purge bin. The database storage, interface and asynchronous data transfer panel (34) is placed at the bottom in secured environment
Figure 4 is illustrates an embodiment of the packet container. The packet container (27) comprises of a packet container rotator and sensor panel (33), the packet container rotator and sensor panel monitor movement of the packet container.
Figure 5 illustrates a method of dispensing a packet of preprocessed notes from the machine. A user interested in withdrawing money from a packet based vending machine swipes his card through a card reading means in step (34) and thereafter user enters his authentication id in the machine. The machine or system forwards the entered information of the user to the server. The server compares the provided information with the stored information in the database. On successful comparison the machine is

intimated about the same and thus user is successfully verified in step (35). After successful verification, the user selects an amount from one of the displayed available options of amounts and denominations in step (38). The system will debit user account for selected amount (39). After debit confirmation from the payment mechanism (39) the system drops die packet (40). After packet drop, the screen flash an appropriate message to the user to collect the packet (41). If user fails to collect the packet, it is transferred to secured area or a purge bin in step (42) else on successful completion of transaction the machine prints a transaction receipt (43).
The details of the packet collected by the user are also stored in a database of the maintenance module for future records. The user's records are updated.
Fig. 6 illustrates the flow of information between the machine and server. When the user swipes a card and enters a PIN, an authentication request is communicated to the authentication system or server. The middleware sends the user's card information along with the PIN to authentication system. After successful authentication, user selects the amount required by pressing the FD.K on the machine. FDK's on the machine is mapped to different amounts in packet form, stored in different rows in the machine. The machine validates the transfer of packet to the collection tray and on non-availability of the desired packet the machine displays or prompts the user to key in another selection. If the required denomination packet is available, the machine pass on
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information the amount required to authentication system for debiting user's account. On successful debit, a message is sent back to the machine to dispense the requisite amount and the debited amount is dispensed in the form of a packet. In case of unsuccessful scenarios for e.g. authentication failure,

unavailability of funds etc, appropriate messages will be flashed on the machines display terminal. Also, after completion of a transaction an acknowledgement receipt may or may not be printed as per the user's choice. The acknowledgement contains details of the successful transaction or otherwise transactions and reason thereof.
During entire transaction, the user activity is captured by a camera, the captured user activity and the transaction details of the user are stored in the local database (52) of the machine. The middleware (53) is used for asynchronous data transfer from local database to central database. The central
database is maintained for future records (54).
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Functionally, the system contains packets of the currency notes in packet container (27). The packet container is controlled by a control panel (23) and by the packet container rotator and sensors (33). The control panel (23) is accessed through display means (18), which provides a user interface based on graphics (GUI). The control panel can control all the below mentioned:
Inventory,
Transaction monitoring through camera (11)
Dispensation,
Collection by user,
Purging,
'Transaction record,
Audit trail
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However, increase or decrease of any one of them does not obviate the concept and scope of the instant invention.
The control panel (23) also monitors the health of the entire machine and monitors:

Packet container rotator and sensor (33),
Collection gate sensor (20),
Control panel door sensor (24),
Purge bin door sensor panel (26),
Front door sensor panel (28),
Purge sensor panel (31),
Drop sensor panel (29),
Software,
FDK(s) (16),
Card reader (15),
PIN pad (18),
Receipt printer (14),
Camera (11),
Connectivity
However, increase or decrease of any one of them does not obviate the
concept and scope of the instant invention.
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The control panel can additionally be programmed as per the requirements. The control panel is connected with the interface, sync panel (32), and the interface and sync panel with the RS232 serial cable and it is further connected to the card reader (15) and PIN pad (17) with a cable.
The main interface and sync panel (32) has data storage and data retrieve facility. The control panel (23) transfers all the transaction related details to the main interface for upfront display of instruction to the user, to store the transaction related details in local database. The middleware (53) transfers the data from local database to central database for future references.
The embodiments described above and illustrated in the figures are presented by way of example only and are not intended as a limitation upon the concepts and principles of the present invention. As such, it will be appreciated by one having ordinary skill ^n the art that various changes in the elements and their

configuration and arrangement are possible without departing from the spirit anti-scope of the present invention as set forth in the appended claims.
It will readily be appreciated by those skilled in the art that the present invention is not limited to the specific embodiments shown herein. Thus variations may be made within the scope and spirit of the accompanying claims

without sacrificing the

principal advantages of the invention.

We claim:
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1.) A method for getting packet of notes from packet based cash vending machine comprising:
- swiping users card through the card reader;
- accepting the users card by the packet based cash vending machine;
- inserting the user's authentication code by the user;
- authenticating the user;
- entering and confirming an amount and denomination by the user;
- transferring information of the entered amount, by the machine to the authentication system;
- debiting the users account by the authentication server and thereafter authenticating the packet based cash vending machine to dispense the entered amount;
. - transferring a packet of notes of the entered amount from the packet container to, a collection bin;
- collection of the packet of notes by the user from the collection bin;
- sensing collection of the packet of notes from the collection bin by a first Sensing means;
2.) A method for getting packet of notes from packet based cash vending machine as claimed in claim 1 wherein dropping of a packet from a packet tray to a collection bin is sensed by a first sensing means.

3.) A method for getting packet of notes from, packet based cash vending machine as claimed in claim 1 wherein the collection of notes by the user from the collection bin is sensed by a second sensing means.
4.) A method for getting packet of notes from packet based cash vending machine wherein a sixth sensing means sense the weight of the dropped packet of notes and the packet of notes is sent to a purge bin if the packet of notes is not collected within a predetermined time.
5.) A method for getting packet of notes from a packet based cash vending machine as claimed in claim 1 wherein a purge swiper swipes packet of notes from the collection bin after a predetermined time.
6.). A method for getting packet of notes from packet based cash vending machine as claimed in claim 1 wherein collection of notes from the purge bin is sensed by a third sensing means.
7.) A method for getting packet of notes from packet based cash vending
machine as claimed in claim 1 wherein the card swiped across a card reader
comprises cash card, Debit card, ATM card, Smart card, Loan Card, Prepaid
card or any other card based on payment mechanism.
8.) A method for gettirig packet of notes from packet based cash vending machine as claimed in claim 1 wherein the user gets a sealed packet of preconfigured amount of one Or more denominations as desired by the user.

9.)A method for getting packet of notes from packet based cash vending
machine as claimed in claim 1 wherein a packet is allowed to transfer by
means of a device if it gets stuck while being transferred to the bin.
10.)A method for getting packet of notes from packet based cash vending machine as claimed in claim 1 wherein the available options of amounts of various denominations are displayed on the screen of the packet based cash vending machine.
11.) A method for getting packet of notes from packet based cash vending machine as claimed in claim 1 wherein a camera captures user activities while transaction and saves captured information in a database.
12.) A method for getting packet of notes from packet based cash vending machine wherein a receipt is taken to have a record of the amount drawn and other details
13.)A packet based cash vending machine comprising:
- replaceable packet trays for holding packet of notes on various
denominations;
- control means to control, monitor and track packet based cash vending machine functionality;
- keys for entering the information in the machine;
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- display means for displaying various options of available packet of notes and other information;
- collection bin for collecting a dropped packet of notes;
first sensing means for sensing collection of packet of notes;

- purge bin for storing uncollected packet of notes from the collection bin; and
- camera for capturing user activities while transacting with the packet based cash vending machine
14.)A packet based cash vending machine as claimed in claim 13 wherein replaceable packet trays comprise of packet container, which helps to accommodate packet of notes.
15.) A packet based cash vending machine as claimed in claim 14 wherein the rotator and seventh sensing means monitor movement of the packet container
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16.) A packet based cash vending machine as claimed in claim 13 wherein the collection bin comprise of a collection tray which contains the packet of notes transferred from the replaceable packet tray.
17.) A packet based cash vending machine as claimed in claim 16 wherein the collection tray is a rotating tray and comprises of a sixth sensing means for sensing the weight of the packet of notes.
18.)A packet based cash vending machine as claimed in claim 17 wherein the
i collection tray rotates after a predetermined time of dropping of the
packets in the collection bin and drops the packet of notes, which are
uncollected in a predetermined time, to a purge bin.

19.)A packet based cash vending machine as claimed in claim 13 wherein a purge swiper swipes the packet of notes, which remains uncollected after a predetermined time, to the purge, bin.

20.) A packet based cash vending machine as claimed in claim 13 wherein a
first sensing means senses the dropping of the packet of notes to the collection bin.
21.)A packet based cash vending machine as claimed in claim 13 wherein a
second, sensing means senses the collection of the packet of notes by the
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user.
22.) A packet based cash vending machine as claimed in claim 13 wherein a
third sensing means sense the collection of packet of notes from the purge
bin.
23.) A packet based cash vending machine as claimed in claim 13 wherein a fourth sensing means monitors and tracks the movement of control means door.

24.) A packet based cash vending machine as claimed in claim 13 wherein a fifth sensing machine senses the movement of a front door of the packet based cash vending machine.
25.) A packet based cash vending machine as claimed in claim 13 wherein users card information is provided by the user to the packet based cash vending
machine after swapping a card across a card reading means.

26.)A packet based cash vending machine as claimed in claim 13 wherein any information is entered by the user by means of keys available on the machine.
27.)A packet based cash vending machine as claimed in claim 13 wherein a camera captures user activities while transaction and saves captured information in a database.