RU97120517A - CASH TRANSFER SYSTEM - Google Patents

CASH TRANSFER SYSTEM

Info

Publication number
RU97120517A
RU97120517A RU97120517/09A RU97120517A RU97120517A RU 97120517 A RU97120517 A RU 97120517A RU 97120517/09 A RU97120517/09 A RU 97120517/09A RU 97120517 A RU97120517 A RU 97120517A RU 97120517 A RU97120517 A RU 97120517A
Authority
RU
Russia
Prior art keywords
fund
cash
money
class
funds
Prior art date
Application number
RU97120517/09A
Other languages
Russian (ru)
Other versions
RU2142160C1 (en
Inventor
Бэррингтон Эверетт Дэвид
Вайнер Джон
Бэйли Алан
Original Assignee
Мондекс Интернэшнл Лимитед
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
Priority claimed from GBGB9509582.4A external-priority patent/GB9509582D0/en
Application filed by Мондекс Интернэшнл Лимитед filed Critical Мондекс Интернэшнл Лимитед
Publication of RU97120517A publication Critical patent/RU97120517A/en
Application granted granted Critical
Publication of RU2142160C1 publication Critical patent/RU2142160C1/en

Links

Claims (12)

1. Система переноса денежных средств, содержащая ряд электронных денежных фондов и устройств сопряжения, посредством чего денежные фонды могут связываться друг с другом для переноса денежных средств путем осуществления операций, каждая из которых включает обмен электрическими сигналами между парой денежных фондов, причем каждый денежный фонд включает запоминающее устройство, хранящее данные о накопленных денежных средствах, содержащихся в настоящий момент в денежном фонде, отличающаяся тем, что каждому денежному фонду присвоен класс в иерархической структуре и в запоминающее устройство дополнительно введены данные о классе этого денежного фонда, а также список классов, в которые этот денежный фонд может перенести денежные средства.1. A money transfer system comprising a number of electronic money funds and interfaces, whereby the money funds can communicate with each other to transfer money through transactions, each of which includes the exchange of electrical signals between a pair of money funds, each money fund including a storage device storing data on the accumulated cash currently held in the monetary fund, characterized in that each monetary fund is assigned a class In the hierarchical structure and in the storage device, data on the class of this monetary fund, as well as a list of classes to which this monetary fund can transfer funds, are additionally entered. 2. Система переноса денежных средств по п.1, отличающаяся тем, что в каждом денежном фонде или соответствующем устройстве переноса содержится микропроцессор, который запрограммирован так, что каждая операция по переносу денежных средств из денежного фонда плательщика в денежный фонд включает, по меньшей мере, шаг проверки, содержится ли класс денежного фонда получателя в списке классов денежных фондов плательщика, перед тем, как выполняется перенос денежных средств. 2. The cash transfer system according to claim 1, characterized in that in each cash fund or corresponding transfer device there is a microprocessor that is programmed so that each transaction for transferring money from the payer's money fund to the money fund includes at least the step of checking whether the payee cash class is contained in the list of payer cash classes before transferring funds. 3. Система переноса денежных средств по п.2, отличающаяся тем, что упомянутый шаг проверки включает передачу электрического сигнала, представляющего класс денежного фонда получателя, из денежного фонда получателя в денежный фонд плательщика через упомянутое устройство сопряжения и выполнение проверки в упомянутом денежном фонде плательщика. 3. The cash transfer system according to claim 2, characterized in that said verification step includes the transmission of an electrical signal representing the class of the recipient’s monetary fund from the recipient’s monetary fund to the payer’s monetary fund through the aforementioned pairing device and verification in the said monetary fund of the payer. 4. Система переноса денежных средств по п.3, отличающаяся тем, что информация, касающаяся класса денежного фонда получателя криптографически защищается перед тем, как передается в денежный фонд плательщика. 4. The cash transfer system according to claim 3, characterized in that the information regarding the class of the recipient's monetary fund is cryptographically protected before being transferred to the payer's monetary fund. 5. Система переноса денежных средств по любому из предыдущих пунктов, отличающаяся тем, что каждому классу из денежного фонда присвоена соответствующая категория пользователя денежного фонда в иерархической структуре. 5. The system of transferring funds according to any one of the preceding paragraphs, characterized in that each class from the monetary fund is assigned the corresponding category of user of the monetary fund in a hierarchical structure. 6. Система переноса денежных средств по п.5, отличающаяся тем, что в качестве категорий классов использованы любая одна или несколько из следующих категорий: поставщик денежных средств, Банк, Поставщик услуг, Потребитель, или им эквивалентные. 6. The cash transfer system according to claim 5, characterized in that any one or more of the following categories are used as class categories: cash provider, Bank, Service Provider, Consumer, or equivalent. 7. Система переноса денежных средств по п.6, отличающаяся тем, что списки классов соответствующих денежных фондов в категориях составлены с учетом возможности переноса средств денежного фонда поставщика только в денежный фонд банка и из денежного фонда банка и исключения возможности переноса денежных средств непосредственно в денежный фонд поставщика услуг или из него и/или в денежный фонд потребителя или из него. 7. The cash transfer system according to claim 6, characterized in that the lists of classes of the respective cash funds in the categories are made taking into account the possibility of transferring the funds of the supplier’s money fund only to the bank’s money fund and from the bank’s money fund and excluding the possibility of transferring money directly to money the fund of the service provider or from it and / or to the consumer's monetary fund or from it. 8. Система переноса денежных средств по одному из пп.5-7, отличающаяся тем, что одна или несколько из упомянутых категорий денежных фондов, каждая в отдельности, включает подгруппу классов денежных фондов, представляющую иерархию в пределах категории. 8. The cash transfer system according to one of claims 5-7, characterized in that one or more of the mentioned categories of cash funds, each separately, includes a subgroup of classes of cash funds representing a hierarchy within the category. 9. Система переноса денежных средств по п.8, отличающаяся тем, что класс денежного фонда хранится в упомянутом запоминающем устройстве в виде однобайтового числа, первые 4 бита которого представляют категорию класса денежного фонда, а вторые 4 бита - это номер, который представляет объект в пределах этой категории классов денежных фондов. 9. The cash transfer system of claim 8, wherein the cash fund class is stored in the storage device as a single-byte number, the first 4 bits of which represent the cash fund class category, and the second 4 bits are the number that represents the object in within this category of cash fund classes. 10. Система переноса денежных средств по п.8 или 9, отличающаяся тем, что список классов хранится в упомянутом запоминающем устройстве в виде битового массива, содержащего комбинацию битов, причем каждая категория и/или объект, входящий в каждую категорию, представляется одним битом в этой комбинации битов. 10. The cash transfer system according to claim 8 or 9, characterized in that the list of classes is stored in the said storage device in the form of a bit array containing a combination of bits, each category and / or object included in each category is represented by one bit in this combination of bits. 11. Система переноса денежных средств по п.10, отличающаяся тем, что для каждой категории классов задано единственное смещение в упомянутом битовом массиве так, что класс денежного фонда входит в список классов только в том случае, если биатовая позиция n в битовом массиве имеет конкретную величину, где n = смещение + номер класса подгруппы - 1. 11. The cash transfer system of claim 10, characterized in that for each category of classes a single offset is specified in the said bitmap so that the money fund class is included in the list of classes only if the biat position n in the bitmap has a specific value, where n = offset + subgroup class number - 1. 12. Система переноса денежных средств по любому из предыдущих пунктов, отличающаяся тем, что, по меньшей мере, некоторые из упомянутых денежных фондов хранят в своих запоминающих устройствах по несколько списков классов, причем каждому классу соответствует конкретная валюта. 12. A system for transferring funds according to any one of the preceding paragraphs, characterized in that at least some of the funds mentioned store several lists of classes in their storage devices, each class having a specific currency.
RU97120517A 1995-05-11 1996-05-09 Device for money transfer RU2142160C1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GBGB9509582.4A GB9509582D0 (en) 1995-05-11 1995-05-11 Value transfer system
GB9509582.4 1995-05-11
PCT/GB1996/001104 WO1996036025A2 (en) 1995-05-11 1996-05-09 Value transfer system

Publications (2)

Publication Number Publication Date
RU97120517A true RU97120517A (en) 1999-11-20
RU2142160C1 RU2142160C1 (en) 1999-11-27

Family

ID=10774322

Family Applications (1)

Application Number Title Priority Date Filing Date
RU97120517A RU2142160C1 (en) 1995-05-11 1996-05-09 Device for money transfer

Country Status (29)

Country Link
US (1) US6439455B1 (en)
EP (1) EP0824740B1 (en)
JP (1) JPH11504737A (en)
KR (1) KR100338492B1 (en)
CN (1) CN1160672C (en)
AT (1) ATE216523T1 (en)
AU (1) AU702388B2 (en)
BG (1) BG102032A (en)
BR (1) BR9608704A (en)
CA (1) CA2220099A1 (en)
CZ (1) CZ353197A3 (en)
DE (1) DE69620750T2 (en)
EE (1) EE9700299A (en)
ES (1) ES2175090T3 (en)
GB (1) GB9509582D0 (en)
HK (1) HK1003074A1 (en)
HU (1) HUP9802924A3 (en)
IS (1) IS4600A (en)
MX (1) MX9708553A (en)
MY (1) MY126396A (en)
NO (1) NO317866B1 (en)
NZ (1) NZ307255A (en)
PL (1) PL323306A1 (en)
RU (1) RU2142160C1 (en)
SK (1) SK151097A3 (en)
TR (1) TR199701339T1 (en)
TW (1) TW421747B (en)
WO (1) WO1996036025A2 (en)
ZA (1) ZA963691B (en)

Families Citing this family (54)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6945457B1 (en) 1996-05-10 2005-09-20 Transaction Holdings Ltd. L.L.C. Automated transaction machine
US5953705A (en) * 1996-09-13 1999-09-14 Fujitsu Limited Ticketless system and processing method and memory medium storing its processing program
IL119486A0 (en) * 1996-10-24 1997-01-10 Fortress U & T Ltd Apparatus and methods for collecting value
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
US6311167B1 (en) 1997-12-22 2001-10-30 Motorola, Inc. Portable 2-way wireless financial messaging unit
US6314519B1 (en) 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
KR100382181B1 (en) 1997-12-22 2003-05-09 모토로라 인코포레이티드 Single account portable wireless financial messaging unit
US6041314A (en) * 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
US6105006A (en) * 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
GB2332833A (en) * 1997-12-24 1999-06-30 Interactive Magazines Limited Secure credit card transactions over the internet
GB2336456B (en) 1998-04-15 2001-11-14 Lg Payment system
JP2000276543A (en) 1999-03-26 2000-10-06 Fujitsu Ltd Numerical data processor and numerical data processing method
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
WO2001067355A2 (en) 2000-03-07 2001-09-13 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
FR2827058B1 (en) * 2001-07-09 2005-05-27 A S K ELECTRONIC CASH SYSTEM FOR ELECTRONIC COIN PURSE
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US8279042B2 (en) 2001-07-10 2012-10-02 Xatra Fund Mx, Llc Iris scan biometrics on a payment device
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
GB0305806D0 (en) * 2003-03-13 2003-04-16 Ecebs Ltd Smartcard based value transfer
US20050192862A1 (en) * 2004-02-27 2005-09-01 Capital One Financial Corporation Methods, systems, and articles of manufacture for providing incentives for a financial account
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US8049594B1 (en) 2004-11-30 2011-11-01 Xatra Fund Mx, Llc Enhanced RFID instrument security
DE102006017911B4 (en) * 2006-04-18 2023-01-26 creditPass GmbH Electronic payment system and method for carrying out a payment transaction
US9230259B1 (en) 2009-03-20 2016-01-05 Jpmorgan Chase Bank, N.A. Systems and methods for mobile ordering and payment
US20130036017A1 (en) * 2011-08-05 2013-02-07 Ivason Galloway Financial card for online fund transfer and method therefor
CA2865940A1 (en) * 2012-03-19 2013-09-26 Royal Canadian Mint/Monnaie Royale Canadienne Automated forex function in an asset storage and transfer system
US10380586B2 (en) 2015-10-27 2019-08-13 Mastercard International Incorporated Systems and methods for managing funds for financial transactions
EP4244796A4 (en) 2020-11-16 2024-05-15 Mastercard International Incorporated Offline coin protocol

Family Cites Families (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4319336A (en) * 1979-02-02 1982-03-09 International Business Machines Corporation Transaction execution system with improved key function versatility
IE820411L (en) * 1982-02-25 1983-08-25 L M Ericsson Ltd Portable device for storing and transferring data
US4454414A (en) * 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
FR2539897B1 (en) 1983-01-20 1988-12-30 Cii Honeywell Bull METHOD AND DEVICE FOR ENABLING THE HOLDER OF A PORTABLE OBJECT SUCH AS A CARD, TO BE ACCESSED BY THIS CARD TO AT LEAST ONE SERVICE PROVIDED BY AT LEAST ONE AUTHORIZING ORGANIZATION
JPS60160491A (en) 1984-01-31 1985-08-22 Toshiba Corp Ic card
US4766293A (en) 1986-06-26 1988-08-23 Visa International Service Association Portable financial transaction card capable of authorizing a transaction in foreign currencies
JPH07104891B2 (en) * 1986-08-05 1995-11-13 沖電気工業株式会社 Transaction processor
ATE160456T1 (en) * 1986-09-02 1997-12-15 Pitney Bowes Inc AUTOMATED TRANSACTION SYSTEM USING INSERTABLE CARDS FOR TRANSFERRING ACCOUNT DATA
US5179517A (en) * 1988-09-22 1993-01-12 Bally Manufacturing Corporation Game machine data transfer system utilizing portable data units
GB9008362D0 (en) * 1990-04-12 1990-06-13 Hackremco No 574 Limited Banking computer system
JPH04213242A (en) * 1990-12-07 1992-08-04 Hitachi Ltd Limited multiple address communication system
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
IT1260254B (en) * 1992-02-13 1996-04-02 California Inn Srl ELECTRONIC MANAGEMENT AND CONTROL SYSTEM, THROUGH INTELLIGENT CARDS, OF AUTOMATIC DEVICES FOR RETENTION AND GAMES, AS WELL AS GAMES AND GATHERINGS IN GENERAL
US5461217A (en) 1994-02-08 1995-10-24 At&T Ipm Corp. Secure money transfer techniques using smart cards
JP2891220B2 (en) * 1996-12-27 1999-05-17 日本電気株式会社 Deposit and withdrawal processing method by card transaction
US6012049A (en) * 1998-02-04 2000-01-04 Citicorp Development Center, Inc. System for performing financial transactions using a smartcard

Similar Documents

Publication Publication Date Title
RU97120517A (en) CASH TRANSFER SYSTEM
EP0824740B1 (en) Value transfer system
AU701801B2 (en) Electronic payment system having several calculation units, electronic payment means, as well as a method for electronic payment
US7783571B2 (en) ATM system for receiving cash deposits from non-networked clients
US6364208B1 (en) Card changing system
US6105009A (en) Automated teller machine dispenser of debit cards
US11107156B2 (en) Digital finance: cash, credit, and investment instruments in a unified framework (BitMint)
US8150766B1 (en) System and method for investing public deposits
US5717868A (en) Electronic payment interchange concentrator
US6615193B1 (en) Monitoring system and method
SG70662A1 (en) A system for performing financial transactions using a smart card
PL176257B1 (en) Library of a bulk data store
US5974145A (en) Method for cancelling a transaction of an electronic payment means, as well as payment means for application of the method
WO1994019777A1 (en) Electronic funds control system
CN103996246A (en) Small-account electronic purse for open type trading
FR2776403A1 (en) Electronic fund-raising method and system for collection of funds by charities and humanitarian organizations
JP2001306977A (en) Electronic money system and issuing body center and fare adjusting center
KR20010109231A (en) Geinmony card
KR970078617A (en) How to save charges for multi-payment cards
JP2983960B1 (en) Electronic coin selection device
JP2003168010A (en) Method and system for managing account
GB2324184A (en) Card charging systems
RU2000120268A (en) METHOD FOR EXCHANGE OF A UNIFIED PAYMENT RESOURCE IN A TELECOMMUNICATION NETWORK AND A DEVICE FOR ITS IMPLEMENTATION