ES2186381T3 - Sistema y procedimiento para la realizacion de operaciones en efectivo con clientes en instituciones bancarias. - Google Patents

Sistema y procedimiento para la realizacion de operaciones en efectivo con clientes en instituciones bancarias.

Info

Publication number
ES2186381T3
ES2186381T3 ES99932878T ES99932878T ES2186381T3 ES 2186381 T3 ES2186381 T3 ES 2186381T3 ES 99932878 T ES99932878 T ES 99932878T ES 99932878 T ES99932878 T ES 99932878T ES 2186381 T3 ES2186381 T3 ES 2186381T3
Authority
ES
Spain
Prior art keywords
cash
customers
procedure
performance
customer
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.)
Expired - Lifetime
Application number
ES99932878T
Other languages
English (en)
Inventor
Karl-Heinz Eberhardt
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.)
Synfis Service GmbH
Original Assignee
Synfis Service GmbH
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=26047388&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=ES2186381(T3) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Priority claimed from DE1998131360 external-priority patent/DE19831360A1/de
Priority claimed from DE1998138437 external-priority patent/DE19838437C1/de
Application filed by Synfis Service GmbH filed Critical Synfis Service GmbH
Application granted granted Critical
Publication of ES2186381T3 publication Critical patent/ES2186381T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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]
    • G07F19/203—Dispensing operations within 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]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Software Systems (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Sistema para la realización de operaciones en efectivo con clientes en instituciones bancarias, sus oficinas y similares, con un primer dispositivo (2) de identificación del cliente que está configurado para la recepción de informaciones específicas del cliente, con un punto (3) de entrada para la identificación del cliente y para la descripción de una operación de pago en efectivo, con un dispositivo (4) de salida de efectivo y con, al menos, un dispositivo (5, 7, 32) de procesamiento de datos para el control del dispositivo (4) de salida de efectivo, en función de señales de entrada, generadas o preparadas por el primer dispositivo (2) de identificación del cliente, el punto (3, 10) de entrada y una fuente (7, 31) de datos, caracterizado porque en la ubicación de un puesto (8) de trabajo, ocupado por un empleado, están dispuestos el punto u otro punto (10) de entrada para la identificación de un cliente y para la descripción de una operación de pago en efectivo y, además, un segundo dispositivo (9) de identificación del cliente, configurado, asimismo, para la recepción de informaciones específicas del cliente, porque en la ubicación de un puesto (1) de realización de operaciones de pago en efectivo está dispuesto el dispositivo (2) de identificación del cliente, mencionado en primer lugar, porque el primer dispositivo (2) de identificación del cliente y el segundo dispositivo (9) de identificación del cliente envían los resultados de la recepción de una información específica del cliente a un dispositivo (30, 30a, 30b) de comparación y porque se prevé, al menos, un dispositivo (5, 7, 32) de procesamiento de datos en la ubicación del puesto (8) de trabajo, ocupado por un empleado, y/o en la ubicación del puesto (1) de realización de operaciones de pago en efectivo y/o en una ubicación lejana (7, 31) y se controla a través de un resultado positivo de la comparación del dispositivo (30, 30a, 30b) de comparación en el sentido de una liberación, por su parte, del dispositivo (4)de salida de efectivo.
ES99932878T 1998-07-13 1999-07-13 Sistema y procedimiento para la realizacion de operaciones en efectivo con clientes en instituciones bancarias. Expired - Lifetime ES2186381T3 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE1998131360 DE19831360A1 (de) 1998-07-13 1998-07-13 System zur Abwicklung des Bargeldverkehrs mit Kunden innerhalb von Geldinstituten
DE1998138437 DE19838437C1 (de) 1998-08-24 1998-08-24 System zur Abwicklung des Bargeldverkehrs mit Kunden innerhalb von Geldinstituten

Publications (1)

Publication Number Publication Date
ES2186381T3 true ES2186381T3 (es) 2003-05-01

Family

ID=26047388

Family Applications (1)

Application Number Title Priority Date Filing Date
ES99932878T Expired - Lifetime ES2186381T3 (es) 1998-07-13 1999-07-13 Sistema y procedimiento para la realizacion de operaciones en efectivo con clientes en instituciones bancarias.

Country Status (7)

Country Link
US (1) US20050131821A1 (es)
EP (1) EP1097437B1 (es)
AT (1) ATE228262T1 (es)
AU (1) AU768670B2 (es)
DK (1) DK1097437T3 (es)
ES (1) ES2186381T3 (es)
WO (1) WO2000004514A1 (es)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8321342B2 (en) * 2006-08-28 2012-11-27 Choicepay, Inc. Method and system to accept and settle transaction payments for an unbanked consumer
EP2096605A1 (de) 2008-02-28 2009-09-02 ISH Banktechnik GmbH Verfahren und Vorrichtung zur Einzahlung und Auszahlung von Münz-Geldbeträgen
US10402799B1 (en) 2014-04-15 2019-09-03 United Services Automobile Association (Usaa) Systems and methods for distributed currency management
US10332358B1 (en) 2014-04-15 2019-06-25 United Services Automobile Association (Usaa) Systems and methods for distributed currency management
SG11201703335QA (en) * 2014-11-25 2017-06-29 Einnovations Holdings Pte Ltd Transaction system and method
US11423381B2 (en) 2020-08-07 2022-08-23 Capital One Services, Llc Merchant devices and computer-based systems involving components for managing cash transactions at cash-only retail locations and methods of use thereof

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3938091A (en) * 1972-03-17 1976-02-10 Atalla Technovations Company Personal verification system
JPH044301Y2 (es) * 1984-11-19 1992-02-07
FR2592197A1 (fr) * 1985-12-19 1987-06-26 Nixon John Procede d'identification d'une personne, notamment d'un demandeur d'un service tel que par exemple d'une transaction bancaire, a l'aide d'une piece d'identification, dispositif de mise en oeuvre du procede, des pieces d'identification utilisables pour le procede precite et procede pour la realisation de telles pieces
US5386103A (en) * 1993-07-06 1995-01-31 Neurnetics Ltd. Identification and verification system
US5729460A (en) * 1995-12-14 1998-03-17 Francotyp-Postalia Ag & Co. Method for payment of the recrediting of an electronic postage meter and arrangement for the operation of a data central
KR100451783B1 (ko) * 1996-09-13 2004-10-08 오끼 덴끼 고오교 가부시끼가이샤 전자거래시스템
US5933816A (en) * 1996-10-31 1999-08-03 Citicorp Development Center, Inc. System and method for delivering financial services
US6289320B1 (en) * 1998-07-07 2001-09-11 Diebold, Incorporated Automated banking machine apparatus and system

Also Published As

Publication number Publication date
EP1097437B1 (de) 2002-11-20
WO2000004514A1 (de) 2000-01-27
DK1097437T3 (da) 2003-03-17
AU768670B2 (en) 2003-12-18
ATE228262T1 (de) 2002-12-15
EP1097437A1 (de) 2001-05-09
AU4910499A (en) 2000-02-07
US20050131821A1 (en) 2005-06-16

Similar Documents

Publication Publication Date Title
WO2002014985A3 (en) Automated payment system
WO2002001462A3 (en) Method and system of securely collecting, storing, and transmitting information
PT950303E (pt) Processo e sistema para garantir a seguranca de prestacoes de servicos a distancia de instituicoes financeiras
WO1999048236A3 (en) Security system and method for business transactions with customers
CA2396006A1 (en) Automated system and method for monitoring financial transactions
WO2002013134A3 (en) A smart card for and method of executing transactions
EP0935224A3 (en) System for performing financial transactions using a smart card
EP0750283A4 (en) TRANSACTION PROCESSING SYSTEM AND METHOD
AR002404A1 (es) Sistema de banca personal de servicio completo e integrado y sistema y metodo de apertura de cuentas.
KR960030011A (ko) 전자통장시스템 및 그 거래방법
FIU920342U0 (fi) Medelanskaffningsmedel
BR9815547A (pt) Sistema de cartão multifuncional
BR0008316A (pt) Sistema e método para processamento de transações financeiras
WO2002044986A3 (en) Countermeasures for irregularities in financial transactions
AU1226797A (en) Carte a puce
TR200302226T1 (tr) Bir emniyetli online ödeme sistemi.
Kadar et al. Malaysia towards cashless society
ATE212741T1 (de) Kassiervorrichtung, -verfahren und -rechnersystem zur automatischen ausgabe von kommerziellen rabattmarken
WO2001029637A8 (en) System and method for secure electronic transactions
ES2186381T3 (es) Sistema y procedimiento para la realizacion de operaciones en efectivo con clientes en instituciones bancarias.
RU96106076A (ru) Финансовая система безналичных платежей
Clemons et al. The Merrill Lynch cash management account financial service: A case study in strategic information systems
GB2394337A (en) Data processing system for implementing a financial market
ZA984579B (en) Method of processing a financial transaction and a self-service banking system therefor.
CN110880145B (zh) 用于国际ach交易的系统和方法