Uncle Gem IV, Universal Automatic Instant Money, Data and Precious Metal and Stone Transfer Machine

• US 20090192938A1
• Filed: 08/21/2006
• Published: 07/30/2009
• Est. Priority Date: 08/21/2006
• Status: Active Grant

• Current Assignee: Chartoleaux KG LLC (Intellectual Ventures LLC)
• Original Assignee: CA Transfer LLC (Intellectual Ventures LLC)
• Inventors: Amos, Carl Raymond
• Granted Patent: US 7,844,547 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

The Universal Automatic Instant Money, Data and Gold Transfer Machine, Uncle GEM II, system is a multiplicity of devices on a communications network available 24 hours a day, used interchangeably as sender, receiver and dispenser of funds and data. The sender accepts standard currency and includes removable medium storage devices to transfer to another such device acting as a receiver/dispenser. Remitted amounts are inserted or deducted from credit/debit accounts or currency and who pays the fees charged is indicated by an initiator of the transaction. Transfer transaction information includes: the type of transfer (money/funds or data); which device deducts the fee; how much money or what data to transfer; and to who and where the transfer transaction is to be made available. A receipt is generated by the sender via the system and a receiver becomes a dispenser when the recipient retrieves a pending transaction using the appropriate password or identification. The cash, data, or financial instrument is then dispensed. The Uncle GEMs also feature acceptance of alternate payment options, such as, precious metal coins, i.e., gold, silver and platinum, and precious stones, i.e. diamonds, sapphires, and rubies. In essence, virtually anything can be bought, purchased, bartered, traded or sold. Smartcards, phonecards and store specific cards can be used to buy goods and services, can be bought, or can be reloaded using the Uncle GEM II system.

Claims

1. A money transfer system that comprises a plurality of money, data and gold transfer devices, each of said money transfer devices comprises:

currency accepting means for bills, a currency dispensing means for bills;

a data input means;

an output means;

a display means;

a keyboard means;

at least one removable media I/O device;

credit, debit, and identification acceptor means;

a precious metal and/or stone acceptor;

a precious metal and/or stone dispenser;

the system further comprises a computing means which includes at least one microprocessing means and a modem or transceiver means for controlling communication directly between a plurality of money, data and gold transfer devices.

2. The system of claim 1, wherein each of said money, data and gold transfer devices includes an optional coin accepting means and/or an optional coin dispensing means.

3. The system of claim 1, wherein each of said money, data and gold transfer devices includes pen-writing or digital pen means.

4. The system of claim 1, wherein each of said money, data and gold transfer devices includes means to assay precious metals and precious stones.

5. The system of claim 1, wherein each of said money, data and gold transfer devices includes a telephony or radio means.

6. The system of claim 1, wherein each of said money, data and gold transfer devices includes optional defensive, robotic movement, robotic flight, and/or offensive means.

7. The system of claim 1, wherein each of said money, data and gold transfer devices includes holographic screen and/or touch means.

8. The system of claim 1, wherein each of said money, data and gold transfer devices includes speaker means, microphone means, voice recognition means to enable the system to interact with the user in any language and to facilitate usage of the system.

9. The system of claim 1, wherein each of said money, data and gold transfer devices includes video means, video data streaming means, and camera means for visual interaction and visual recognition to facilitate usage of the system.

10. The system of claim 1, wherein each of money, data and gold transfer devices operates as a sender, receiver and dispenser of funds interchangeably.

11. A system of claim 1, wherein the data to be transferred includes:

insurance information and records;

business data and records;

billing information;

medical information, data and records;

credit information, data and records and generally any confidential or personal information.

12. The system of claim 1, wherein data or money is inputted into a proximal money, data and gold transfer device and electronically causing the dispensing of like data or money at a distal money, data and gold transfer device.

13. The system of claim 1, whereby currency or money amounts are transmitted over distances reciprocally to similarly interconnected web of money, data and gold transfer devices whereby inserting currency at a proximal end will cause dispensing of like funds at a distal end.

14. The system of claim 1, whereby the data to be transferred is transmitted over distances reciprocally to similarly interconnected web of money, data and gold transfer devices whereby inputting data at a proximal end will cause dispensing of like data at a distal end.

15. The system of claim 1, wherein each money, data and gold transfer devices utilizes a communications network between distal and proximal ends.

16. The system of claim 1, wherein the system further comprises a central database server means to record transactions and for accounting and inventory control.

17. The system of claim 1, which each money, data and gold transfer devices further comprises a biometric means to identify both an initiator and/or recipient.

18. The system of claim 1, wherein the system is able to interface with any conventional or non-conventional automated teller machine, customer access terminal, and global financial networks or automated teller machine networks to efficiently transfer money, messages and data.

19. The system of claim 1, wherein the currency accepting means includes recycling means to dispense money accepted as funds to be transferred.

20. The system of claim 1, wherein the system uses currency, credit or banking cards at the money, data and gold transfer devices or through a personal computer or the central database server means and accesses proximal and distal financial institutions to either get transfer transaction funds and/or funds to pay for a transaction.

21. The system of claim 1, which includes automated teller machine system modifications to accept transfer transaction funds from said money, data and gold transfer devices and send said funds to said devices, by a user accessing a designated financial account or without accessing said designated account using said currency accepting means, through an automated teller machine network, the Internet or other communication means.

23. The method of claim 18, wherein said transferred funds are dispensed as currency or financial instruments.

24. The method of claim 18, wherein said currency accepted into the money, data and gold transfer device is recycled into a currency accepting means or a coin accepting means as funds to dispense.

25. The method of claim 18, wherein the transaction information includes whether the proximal or distal end of the transaction pays or provides the transaction fee.

26. The method of claim 21, wherein the transaction fee is acquired by either currency, debit or credit using any conventional or non-conventional automated teller machine network, the Internet or other communication means:

a. if debit or credit is indicated to acquire the transaction fee, then interfacing with any designated financial institution to access a designated financial account,

b. if currency is indicated to acquire the transaction fee, then depending on the transaction information, the appropriate fee amount is inputted,

c. if the transaction information indicates proximal end payment, then transaction fee is added to the transaction amount by the sender money, data and gold transfer device,

d. if the transaction information indicates distal end payment,

i. if deduct is indicated in the retrieval information, the dispenser money, data and gold transfer device deducts the transaction fee from the transferred funds,

ii. if remit is indicated in the retrieval information, the dispenser money, data and gold transfer device prompts to insert the correct amount into the currency acceptor or coin acceptor.

22. A method of money, data and gold transfer between a plurality of money, data and gold transfer devices, each of said money, data and gold transfer devices at a proximal end transmits information utilizing a communications network on a transaction to be completed at a distal end:

a. the transaction information comprises;

i. a recipient identification data,

ii. a designated distal end or general locality,

iii. what type of transaction is to be initiated, transfer or purchase,

1) what transfer type is to be made, either money, data or precious metals or precious stones;

1) if the transfer type is data, then the file name and file format is included,

2) if the transfer type is money, then amount of funds in the transaction is included, and what type of funds is to be made available to one or more money, data and gold transfer devices at said distal end,

3) if the transfer type is precious metals or precious stones, then assay the value of what was deposited, and what type of precious metal or precious stone,

iv. what type of funds has been accepted by the money, data and gold transfer device, whether currency, credit, or debit,

v. which end of the transaction pays for the transaction, distal or proximal ends,

vi. confirmation and transaction codes and a password;

b. wherein said money transfer device designations comprise;

i. each data or money transfer device is either a sender or a receiver or a dispenser money, data and gold transfer device interchangeably, depending on whether the data or money transfer device is on the proximal or distal end of said transaction,

ii. said money, data and gold transfer device becomes the sender by initiating said transaction,

iii. said money, data and gold transfer device becomes the receiver by receiving a signal that said transaction is pending in said designated general locality,

iv. said receiver becomes the dispenser only when one money, data and gold transfer device at the general locality indicates a retrieval of a pending transaction;

c. wherein said transaction transpires in the following manner;

i. when a transaction initiation signal is generated, said transaction information is prompted to be entered into said sender money, data and gold transfer device on the proximal end,

ii. the sender money, data and gold transfer device generates a confirmation code and prompts for said password, if said password is not entered then said password is internally generated,

iii. said sender money, data and gold transfer device verifies all said transaction information,

iv. said transaction information is then encrypted for transmittal,

v. said sender money, data and gold transfer device generates a receipt,

vi. a first set of signals is sent to said distal end or designated general locality for receiver money, data and gold transfer devices,

vii. an input signal is received by the receiver money, data and gold transfer device to indicate a retrieval of a pending transaction,

viii. the password and retrieval information is inputted to the receiver money, data and gold transfer device to initiate the retrieval,

ix. the transaction information is verified by the receiver data money and transfer device, which then becomes the said dispenser money, data and gold transfer device,

x. a second set of signals is transmitted back to the sender money, data and gold transfer device to indicate the pending transaction is no longer available,

xi. dispensing is done according to the transfer type in the transaction information;

1) if the indicated transfer type is for data, then the file is transmitted to a removable media I/O device,

2) if the indicated transfer type is for money, said amount of funds are dispensed according to the transaction information.