EP0884703A3 - Method of processing a financial transaction and a self-service banking system therefor - Google Patents

Method of processing a financial transaction and a self-service banking system therefor Download PDF

Info

Publication number
EP0884703A3
EP0884703A3 EP98304038A EP98304038A EP0884703A3 EP 0884703 A3 EP0884703 A3 EP 0884703A3 EP 98304038 A EP98304038 A EP 98304038A EP 98304038 A EP98304038 A EP 98304038A EP 0884703 A3 EP0884703 A3 EP 0884703A3
Authority
EP
European Patent Office
Prior art keywords
financial transaction
customer
processing unit
atm
financial
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Withdrawn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)
French (fr)
Other versions
EP0884703A2 (en
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/en
Publication of EP0884703A3 publication Critical patent/EP0884703A3/en
Withdrawn legal-status Critical Current

Links

Classifications

    • 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

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)

Abstract

A self-service banking system (10) is provided for enabling a customer to initially develop a financial transaction with a financial institution from a location other than an automated teller machine (ATM) and then to complete the financial transaction from an ATM after the developed financial transaction has been authorized by the financial institution. The system comprises a touch tone telephone (42) having a touch tone key pad for enabling a customer to develop the financial transaction to a point ready for authorization by the financial institution. A first processing unit (24) is associated with the financial institution and is provided for authorizing the financial transaction developed by the customer. An ATM (12) includes (i) a card reader (14) for receiving and processing a card which identifies the customer, and (ii) a second processing unit (30) cooperating with the first processing unit (26) to complete the financial transaction developed by the customer and authorized by the first processing unit when the card reader receives and processes the card which identifies the customer. Preferably, the second processing unit includes a Voice Information System (VIS) (40) which cooperates with the touch tone telephone (42) to allow the customer develop a desired financial transaction. The first processing unit (24) includes a remote processor (26) located at the financial institution. The second processing unit (30) includes a local processor (32) located at the ATM (12).
EP98304038A 1997-06-13 1998-05-21 Method of processing a financial transaction and a self-service banking system therefor Withdrawn EP0884703A3 (en)

Applications Claiming Priority (2)

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

Publications (2)

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

Family

ID=10814042

Family Applications (1)

Application Number Title Priority Date Filing Date
EP98304038A Withdrawn EP0884703A3 (en) 1997-06-13 1998-05-21 Method of processing a financial transaction and a self-service banking system therefor

Country Status (4)

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

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002017181A1 (en) * 2000-08-22 2002-02-28 Payperfect Pte Ltd. Electronic payment methods
EP1382022A2 (en) 2001-01-20 2004-01-21 Ncr International Inc. Self-service terminal
DE102005050605A1 (en) * 2005-10-21 2007-05-24 Wincor Nixdorf International Gmbh System and method for withdrawing cash
DE102008011192A1 (en) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Method and service calculator and system for the transaction of a sum of money
US8260707B2 (en) * 2008-07-15 2012-09-04 Bank Of America Corporation Automated teller machine transaction queue
US9367837B2 (en) * 2013-03-27 2016-06-14 Glory Global Solutions (International) Limited Cash and/or financial document handling system
US20180218345A1 (en) * 2017-01-28 2018-08-02 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

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) *

Also Published As

Publication number Publication date
GB9712232D0 (en) 1997-08-13
JPH1116026A (en) 1999-01-22
EP0884703A2 (en) 1998-12-16
ZA984579B (en) 1999-11-29

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