EP0884703A2 - Procédé pour traiter une transaction financielle et systeme bancaire libre-service utilisé - Google Patents

Procédé pour traiter une transaction financielle et systeme bancaire libre-service utilisé Download PDF

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Publication number
EP0884703A2
EP0884703A2 EP98304038A EP98304038A EP0884703A2 EP 0884703 A2 EP0884703 A2 EP 0884703A2 EP 98304038 A EP98304038 A EP 98304038A EP 98304038 A EP98304038 A EP 98304038A EP 0884703 A2 EP0884703 A2 EP 0884703A2
Authority
EP
European Patent Office
Prior art keywords
customer
atm
financial transaction
financial
transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP98304038A
Other languages
German (de)
English (en)
Other versions
EP0884703A3 (fr
Inventor
Iain R. F. Sime
Simon J. Forrest
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NCR International Inc
Original Assignee
NCR International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by NCR International Inc filed Critical NCR International Inc
Publication of EP0884703A2 publication Critical patent/EP0884703A2/fr
Publication of EP0884703A3 publication Critical patent/EP0884703A3/fr
Withdrawn legal-status Critical Current

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs

Definitions

  • the present invention relates to processing financial transactions, and is particularly directed to a method of processing a financial transaction and a self-service banking system therefor.
  • a bank customer desiring to carry out a financial transaction at an automated teller machine (ATM) initially inserts a customer identifying card into a card entry slot of a card reader. After the card reader receives the card, the customer enters a personal identification number (PIN) to validate the card. After the card is validated, the customer can select the desired financial transaction to be carried out including depositing items, withdrawing cash, and transferring funds without the presence of a bank employee. The selected financial transaction is then authorized by the customer's bank before the customer can complete the financial transaction.
  • ATM automated teller machine
  • the customer identifying card and the customer's knowledge of the PIN are key elements which provide a certain level of security for the customer's account.
  • the customer when the customer has cash in hand after carrying out the selected financial transaction at the ATM, the customer may feel at risk of attack by dishonest persons. If the customer is especially concerned about security at the ATM, the customer may wish to have another person, such as a relative or friend, carry out the desired financial transaction at the ATM.
  • a disadvantage is that the PIN needs to be revealed to that person.
  • a method of processing a financial transaction with a financial institution characterized by the steps of:
  • a self-service financial system for processing a financial transaction with a financial institution characterized by :
  • the means other than an ATM includes a touch tone telephone having a touch tone key pad.
  • the second processing means includes a Voice Information System (VIS) which cooperates with the touch tone telephone to allow the customer develop a desired financial transaction.
  • the first processing means includes a remote processor located at the financial institution.
  • the second processing means includes a local processor located at the ATM.
  • the present invention is directed to a method of processing a financial transaction in accordance with user selected choices selectable by an authorized card user at a location other than at an automated teller machine (ATM).
  • the user selectable choices include the type of transaction desired and specific options associated with the selected type of transaction.
  • a self-service banking system 10 embodying the present invention is illustrated in Fig. 1.
  • the self-service banking system 10 comprises an automated teller machine (ATM) 12 which includes a user interface in the form of a front panel 13.
  • the front panel 13 includes a card reader 14, a key pad 16, a cash dispenser 18, a CRT display 20, and a receipt printer 22.
  • the card reader 14 has a card slot through which a customer can insert a customer identifying card 15.
  • the card 15 includes a memory which stores identifying information including an encrypted version of the customer's PIN and account information relating to the customer.
  • the cash dispenser 18 has a cash slot through which cash currency notes stored inside the ATM 12 can be delivered to the customer during the transaction.
  • the receipt printer 22 has a receipt slot through which a receipt of the transaction is delivered to the customer upon completion of the transaction.
  • the ATM 12 further comprises a controller unit 30 which communicates with components of the front panel 13.
  • the controller unit 30 includes a local processor 32, and a local memory 34 connected via bus line 36 to the local processor.
  • the local processor 32 receives input signals on lines 31,33 from the card reader 14 and the key pad 16, respectively, and provides output signals on lines 35,37,39 to the cash dispenser 18, the display 20, and the receipt printer 22, respectively, to control the amount of cash dispensed by the cash dispenser 18, the information displayed on the display 20, and the information printed by the receipt printer 22.
  • the banking system 10 further comprises a remote bank terminal 24 which includes a remote bank processor 26 and a remote bank memory 28 connected via bus line 27 to the remote bank processor 26.
  • the remote bank processor 26 and the remote bank memory 28 may be located at a bank branch or a central bank location.
  • the remote bank processor 26 communicates with the local processor 32 via a communication link 29.
  • the remote bank terminal 24 further includes a Voice Information System (VIS) 40 which communicates with the remote bank processor 26 via line 41.
  • the VIS 40 provides pre-recorded voice prompts in response to touch tones when keys on a touch tone key pad of a standard touch tone telephone are depressed.
  • a touch-tone telephone uses a push button dial and a form of dialing over a telephone network where the digits in the number are identified by tones of differing pitch.
  • the structure and operation of the VIS 40 are known and, therefore, will not be described in detail.
  • the banking system 10 further comprises a remote user interface 42 in the form of a conventional touch tone telephone having a touch tone key pad.
  • the touch tone telephone 40 is connected via a standard public switched telephone network (PST) 44 to the VIS 40 of the remote bank terminal 24.
  • PST public switched telephone network
  • a customer is able to select and carry out a portion of a desired financial transaction from a location other than an ATM, and then later complete the transaction at an ATM. More specifically, with reference to Figs. 1 and 2, the customer is able to select and carry out a portion of a desired financial transaction from the touch tone telephone 42 which is remote from the ATM 12 and the remote bank terminal 24, and then later complete the transaction at the ATM.
  • a flowchart 100 depicts operation of the banking system 10 in accordance with the present invention when a customer initially selects and carries out a portion of a desired financial transaction from the touch tone telephone 42.
  • the VIS 40 receives a phone call over the PST 44 from the customer calling from the touch tone telephone 42.
  • the VIS 40 provides a menu of pre-recorded voice prompts in a known manner in step 104 to allow the customer to supply financial data to build a portion of the desired financial transaction, as shown in step 106.
  • the remote bank processor 26 processes the data supplied by the customer and data retrieved from the remote bank memory 28 to authorize the desired financial transaction, as shown in step 108.
  • the remote bank processor 26 stores financial data in the remote bank memory 28 relating to the authorized transaction. This financial data stored in the remote bank memory 28 is indicative of the existence of a pre-authorized transaction associated with the particular customer.
  • a flowchart 200 depicts operation of the banking system 10 in accordance with the present invention when a person at the ATM 12 desires to complete the financial transaction which was developed by the customer in the flowchart of Fig. 3.
  • the person at the ATM 12 desiring to complete the financial transaction may be the customer who developed the financial transaction in the flowchart of Fig. 3.
  • the person at the ATM 12 desiring to complete the financial transaction may be a relative or a friend of the customer.
  • step 202 the person at the ATM 12 inserts the customer identifying card 15 into the card slot of the card reader 14.
  • the customer identifying card 15 contains data about the customer who developed the financial transaction in the flowchart of Fig. 3.
  • the card reader 14 reads the customer data contained on the card 15.
  • the local processor 32 processes the customer data and communicates with the remote bank processor 26 to determine if a financial transaction associated with the customer identified on the customer identifying card was previously authorized, as shown in step 204. If the determination in step 204 is negative, then the program proceeds to step 206 in which a menu is displayed on the CRT display 20 to allow the person at the ATM 12 to enter a PIN via the key pad 16.
  • step 208 A determination is then made in step 208 to determine if the correct PIN has been entered by the person at the ATM 12. If the determination in step 208 is negative, the program proceeds to step 210 to display an error message and to prompt the person at the ATM 12 to try entering the PIN again via the key pad 16. If the correct PIN is entered in step 208, then the program proceeds to step 212 in which typical menus are displayed on the display 20 to enable the person at the ATM 12 to select a desired financial transaction. The selected financial transaction is then authorized by the remote central bank terminal 24 before the person at the ATM 12 can complete the transaction. After the selected transaction is completed, the receipt printer 22 prints a receipt of the transaction and delivers the receipt through the slot of the receipt printer 22. The card 15 is then returned to the person at the ATM 12 in step 214. It should be apparent that steps 206, 208, 210, 212, 214, as just described, corresponds to typical everyday usage of the ATM 12.
  • step 204 determines whether the person at the ATM 12 desires to complete the pre-authorized transaction which was developed earlier by the customer identified on the customer identifying card 15. If the determination in step 222 is negative, then the program proceeds to step 206 to prompt the person at the ATM 12 to enter a PIN number, as already described hereinabove.
  • step 224 the program proceeds to step 224 to complete the pre-authorized transaction which is stored in the remote bank memory 28 of the remote bank terminal 24.
  • the pre-authorized transaction may have been a cash withdrawal.
  • completion of the pre-authorized transaction would include dispensing the amount of the withdrawn cash to the person at the ATM 12.
  • the pre-authorized transaction may have been a bill payment.
  • completion of the pre-authorized transaction would include receiving an envelope containing the bills and payment therefor from the person at the ATM 12.
  • the card 15 is then returned to the person at the ATM 12, as shown in step 214.
  • Such an arrangement requires a depository (not illustrated).
  • a number of advantages result by providing a self-service banking system in accordance with the present invention.
  • One advantage is that a customer can build a desired financial transaction at a relatively secure location, such as in the privacy of the home or in the a car, and then later complete the transaction at the ATM 12. This reduces any fears that the customer may have about starting and completing an entire transaction at an ATM.
  • Another advantage is that if the customer is especially concerned about going to an ATM to complete a transaction, the customer can allow someone else, such as a relative or friend, to complete the transaction at an ATM without having to reveal the PIN to that person. The customer need only provide that person with the customer identifying card to allow the person to complete the transaction at an ATM.
  • Still another advantage is that the person at an ATM is not required to enter a PIN to complete the transaction. Since the person at the ATM is not required to enter a PIN, the possibility of an onlooker learning of the PIN is eliminated.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP98304038A 1997-06-13 1998-05-21 Procédé pour traiter une transaction financielle et systeme bancaire libre-service utilisé Withdrawn EP0884703A3 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB9712232 1997-06-13
GBGB9712232.9A GB9712232D0 (en) 1997-06-13 1997-06-13 Method of processing a financial transaction and a self-service banking system therefor

Publications (2)

Publication Number Publication Date
EP0884703A2 true EP0884703A2 (fr) 1998-12-16
EP0884703A3 EP0884703A3 (fr) 2000-07-19

Family

ID=10814042

Family Applications (1)

Application Number Title Priority Date Filing Date
EP98304038A Withdrawn EP0884703A3 (fr) 1997-06-13 1998-05-21 Procédé pour traiter une transaction financielle et systeme bancaire libre-service utilisé

Country Status (4)

Country Link
EP (1) EP0884703A3 (fr)
JP (1) JPH1116026A (fr)
GB (1) GB9712232D0 (fr)
ZA (1) ZA984579B (fr)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002017181A1 (fr) * 2000-08-22 2002-02-28 Payperfect Pte Ltd. Procedes de paiement electronique
EP1780684A1 (fr) * 2005-10-21 2007-05-02 Wincor Nixdorf International GmbH Système et procédé destinés au versement d'argent en espèces
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
GB2461781A (en) * 2008-07-15 2010-01-20 Bank Of America Method and a system for performing an automated teller machine (ATM) transaction
US8515869B2 (en) 2001-01-20 2013-08-20 Ncr Corporation Self-service terminal
WO2018140154A1 (fr) * 2017-01-28 2018-08-02 Mastercard International Incorporated Systèmes et procédés de traitement de transactions bancaires automatisées pré-autorisées liées à une machine
GB2512407B (en) * 2013-03-27 2019-10-23 Glory Global Solutions International Ltd Cash and/or financial document handling system
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS57178558A (en) * 1981-04-27 1982-11-02 Omron Tateisi Electronics Co Cash dispenser
US4988849A (en) * 1987-04-10 1991-01-29 Hitachi, Ltd. Financial transaction system
US5315511A (en) * 1989-04-21 1994-05-24 Hitachi, Ltd. Method of determining the acceptability of a request to preengage receipt and/or payment of money in an ATM system using the same

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS57178558A (en) * 1981-04-27 1982-11-02 Omron Tateisi Electronics Co Cash dispenser
US4988849A (en) * 1987-04-10 1991-01-29 Hitachi, Ltd. Financial transaction system
US5315511A (en) * 1989-04-21 1994-05-24 Hitachi, Ltd. Method of determining the acceptability of a request to preengage receipt and/or payment of money in an ATM system using the same

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 007, no. 026 (P-172), 2 February 1983 (1983-02-02) -& JP 57 178558 A (TATEISHI DENKI KK), 2 November 1982 (1982-11-02) *

Cited By (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7716129B1 (en) 2000-08-22 2010-05-11 Beng Teck Alvin Tan Electronic payment methods
WO2002017181A1 (fr) * 2000-08-22 2002-02-28 Payperfect Pte Ltd. Procedes de paiement electronique
US8515869B2 (en) 2001-01-20 2013-08-20 Ncr Corporation Self-service terminal
EP1780684A1 (fr) * 2005-10-21 2007-05-02 Wincor Nixdorf International GmbH Système et procédé destinés au versement d'argent en espèces
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
US8260707B2 (en) 2008-07-15 2012-09-04 Bank Of America Corporation Automated teller machine transaction queue
US20100017327A1 (en) * 2008-07-15 2010-01-21 Bank Of America Corporation Automated teller machine transaction queue
GB2461781A (en) * 2008-07-15 2010-01-20 Bank Of America Method and a system for performing an automated teller machine (ATM) transaction
GB2512407B (en) * 2013-03-27 2019-10-23 Glory Global Solutions International Ltd Cash and/or financial document handling system
WO2018140154A1 (fr) * 2017-01-28 2018-08-02 Mastercard International Incorporated Systèmes et procédés de traitement de transactions bancaires automatisées pré-autorisées liées à une machine
US11501272B2 (en) 2017-01-28 2022-11-15 Mastercard International Incorporated Systems and methods for processing preauthorized automated banking machine-related transactions
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
US11727372B2 (en) 2018-03-22 2023-08-15 Diebold Nixdorf, Incorporated System and method for financial transactions

Also Published As

Publication number Publication date
ZA984579B (en) 1999-11-29
EP0884703A3 (fr) 2000-07-19
JPH1116026A (ja) 1999-01-22
GB9712232D0 (en) 1997-08-13

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