WO1996026508B1 - System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds - Google Patents

System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds

Info

Publication number
WO1996026508B1
WO1996026508B1 PCT/US1996/001979 US9601979W WO9626508B1 WO 1996026508 B1 WO1996026508 B1 WO 1996026508B1 US 9601979 W US9601979 W US 9601979W WO 9626508 B1 WO9626508 B1 WO 9626508B1
Authority
WO
WIPO (PCT)
Prior art keywords
cash
terminal
funds
electronic transfer
central terminal
Prior art date
Application number
PCT/US1996/001979
Other languages
French (fr)
Other versions
WO1996026508A1 (en
Filing date
Publication date
Priority claimed from US08/392,423 external-priority patent/US5650604A/en
Priority to EP96906429A priority Critical patent/EP0811211B1/en
Priority to BR9606872A priority patent/BR9606872A/en
Priority to CA002209243A priority patent/CA2209243C/en
Priority to AT96906429T priority patent/ATE226345T1/en
Priority to DE69624342T priority patent/DE69624342T2/en
Priority to CZ19972561A priority patent/CZ294023B6/en
Priority to JP52573596A priority patent/JP4480189B2/en
Priority to NZ303483A priority patent/NZ303483A/en
Priority to PL96321936A priority patent/PL180076B1/en
Priority to DK96906429T priority patent/DK0811211T3/en
Priority to SK1112-97A priority patent/SK284863B6/en
Priority to AU49810/96A priority patent/AU687671B2/en
Priority to MX9706084A priority patent/MX9706084A/en
Application filed filed Critical
Publication of WO1996026508A1 publication Critical patent/WO1996026508A1/en
Publication of WO1996026508B1 publication Critical patent/WO1996026508B1/en
Priority to FI973430A priority patent/FI117525B/en
Priority to NO19973856A priority patent/NO318559B1/en
Priority to HK98109319A priority patent/HK1008255A1/en

Links

Abstract

A system and method for fully automated electronic transfer of cash or cash equivalent between a sender and a recipient is shown, including an initiating terminal for receiving a designation of an amount of money to be electronically transferred, an account from which it is to be transferred, and a security code from the sender, a central terminal for storing the amount and the security code in a file in the central terminal, and a dispensing terminal for receiving from the recipient an entry corresponding to the designated amount of money to be transferred and the security code, for providing the entered amount of money and security code to the central terminal for comparison with the information stored in the central terminal's file and for dispensing to the recipient funds equivalent to the designated amount of money without requiring the recipient to have a card to activate the dispensing terminal.

Claims

AMENDED CLAIMS
[received by the International Bureau on 27 August 1996 (27.08.%); original claims 1-54 replaced by amended claims 1-60 (6 pages)]
1. A system for automated electronic transfer of funds between a sender and a recipient comprising: an initiating terminal for receiving a designation of an amount of funds to be electronically transferred from said sender, and providing a unique personal identification number to said sender; a central terminal for providing to said initiating terminal said unique personal identification number for each electronic transfer of funds transaction, and storing said amount of money to be transferred and said unique personal identification number in a file therein; and a dispensing terminal for receiving an entry corresponding to each of said designated amount of money and said unique personal identification number, for providing said entry corresponding to each of said designated amount of money and said unique personal identification number to said central terminal for comparison with said file, for receiving confirmation of positive match between said entry and said file, and for dispensing funds corresponding to said designated amount of money to said recipient without requiring said recipient to have a card to activate said dispensing terminal.
2. The system for automated electronic transfer of funds of Claim 1 , wherein said initiating terminal is an automated teller machine (ATM).
3. The system for automated electronic transfer of funds of Claim 1 , wherein said initiating terminal is a personal computer with a graphical user interface. 12. The system for automated electronic transfer of funds of Claim 11 , wherein said financial card is a credit card.
13. The system for automated electronic transfer of funds of Claim 11 , wherein said financial card is a debit card.
14. The system for automated electronic transfer of funds of Claim 11 , wherein said financial card is a smart card.
15. The system for automated electronic transfer of funds of Claim 14, wherein said smart card is a stored value card.
16. The system for automated electronic transfer of funds of Claim 1 , wherein said initiating terminal further comprises a cash acceptance mechanism.
17. A method for fully automated electronic transfer of funds between a sender and a recipient, comprising the steps of: receiving at an initiating terminal a designation of an amount of money to be electronically transferred from said sender; providing, by a central terminal, a unique personal identification number to said initiating terminal; providing, by said initiating terminal, said unique personal identification number to said sender;
32 storing said amount of money to be transferred and said unique personal identification number at said central terminal; receiving at a dispensing terminal an entry corresponding to each of said designated amount of money and said unique personal identification number; providing by said dispensing terminal said entry corresponding to each of said designated amount of money and said unique personal identification number to said central terminal for confirmational comparison; and dispensing by said dispensing terminal of funds corresponding to said designated amount of money to said recipient without requiring said recipient to have a card to activate said dispensing terminal.
18. The method for fully automated electronic transfer of funds of Claim 17, wherein said dispensing terminal is an automated teller machine (ATM).
19. The method for fully automated electronic transfer of funds of Claim 17, wherein said step of receiving at an initiating terminal further comprises the step of receiving financial card information from said sender.
20. The method for fully automated electronic transfer of funds of Claim 19, wherein said financial card is a debit card.
21. The method for fully automated electronic transfer of funds of Claim 19, wherein said financial card is a credit card. 50. The system for fully automated electronic transfer of cash or cash equivalent of Claim 48, wherein said financial card is a debit card.
51. The system for fully automated electronic transfer of cash or cash equivalent of Claim 48, wherein said financial card is a smart card.
52. The system for fully automated electronic transfer of cash or cash equivalent of Claim 51 , wherein said smart card is a stored value card.
53. The system for fully automated electronic transfer of cash or cash equivalent of Claim 39, wherein said cash equivalent is at least one traveller's cheque.
54. The system for fully automated electronic transfer of cash or cash equivalent of Claim 39, wherein said cash equivalent is stamps.
55. A method for fully automated electronic transfer of cash or cash equivalent, comprising the steps of: receiving, at a central terminal, an electronic signal representing a designation of an amount of cash or cash equivalent to be electronically transferred and a security code from a sender; providing, by said central terminal, a unique personal identification number to be provided to said sender; storing said electronic signal representing said designation of an amount of cash or cash equivalent to be transferred and said security code, and said unique personal identification number in a file at said central terminal; receiving, by said central terminal, an entry corresponding to each of said designated amount of cash or cash equivalent, said security code and said unique personal identification number; comparing, by said central terminal, said electronic signal with said received entry for confirmational match; and providing, by said central terminal, a further signal to dispense cash or cash equivalent corresponding to said designated amount of money without requiring a card to dispense said cash or cash equivalent.
56. The method for fully automated electronic transfer of cash or cash equivalent of Claim 55, wherein said step of receiving, at a central terminal, an electronic signal representing a designation of an amount, further comprises the step of receiving financial card information from said sender.
57. A method for fully automated electronic transfer of cash or cash equivalent, comprising the steps of: receiving, at a central terminal, an electronic signal representing a designation of an amount of cash or cash equivalent to be electronically transferred and a security code from a sender; storing said electronic signal representing said designation of an amount of cash or cash equivalent to be transferred and said security code, at said central terminal; receiving, by said central terminal, an entry provided, corresponding to each of said designated amount of cash or cash equivalent and said security code; comparing, by said central terminal, said electronic signal with said received entry for confirmational match; and providing, by said central terminal, a further signal to dispense cash or cash equivalent corresponding to said designated amount of money without requiring a card to dispense said cash or cash equivalent. 58. The method for fully automated electronic transfer of cash or cash equivalent of Claim 57, wherein said step of receiving, at a central terminal, an electronic signal representing a designation of an amount, further comprises the step of receiving financial card information from said sender.
59. A method for fully automated electronic transfer of cash or cash equivalent, comprising the steps of: receiving, at a central terminal, an electronic signal representing a designation of an amount of cash or cash equivalent to be electronically transferred from a sender; providing, by said central terminal, a unique personal identification number to be provided to said sender; storing said electronic signal representing said designation of an amount of cash or cash equivalent to be transferred and said unique personal identification number in a file at said central terminal; receiving, by said central terminal, an entry corresponding to each of said designated amount of cash or cash equivalent and said unique personal identification number; comparing, by said central terminal, said electronic signal with said received entry for confirmational match; and providing, by said central terminal, a further signal to dispense cash or cash equivalent corresponding to said designated amount of money without requiring a card to dispense said cash or cash equivalent.
60. The method for fully automated electronic transfer of cash or cash equivalent of Claim 59, wherein said step of receiving, at a central terminal, an electronic signal representing a designation of an amount, further comprises the step of receiving financial card information from said sender.
PCT/US1996/001979 1995-02-22 1996-02-12 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds WO1996026508A1 (en)

Priority Applications (16)

Application Number Priority Date Filing Date Title
BR9606872A BR9606872A (en) 1995-02-22 1996-02-12 Electronic funds transfer system and method that uses an automated cash machine to distribute the transferred funds
DK96906429T DK0811211T3 (en) 1995-02-22 1996-02-12 System and method for automatic electronic transfer of funds using an automatic counting machine to deliver the transferred funds
PL96321936A PL180076B1 (en) 1995-02-22 1996-02-12 System for and method of making electronic money transfer using a cash dispenser to pay so transferred money
AT96906429T ATE226345T1 (en) 1995-02-22 1996-02-12 SYSTEM AND METHOD FOR ELECTRONIC MONEY TRANSFER USING AN AUTOMATIC BANK COUNTER CASH MACHINE FOR DISPENSING THE TRANSFERRED MONEY
DE69624342T DE69624342T2 (en) 1995-02-22 1996-02-12 SYSTEM AND METHOD FOR ELECTRONIC MONEY TRANSFERS USING AN AUTOMATIC BANK SWITCH-POS MACHINE TO DISPENSE THE TRANSFERED MONEY
CZ19972561A CZ294023B6 (en) 1995-02-22 1996-02-12 Method for electronic transfer of funds using an automated teller machine to dispense the transferred funds and a system for making the same
JP52573596A JP4480189B2 (en) 1995-02-22 1996-02-12 Fund electronic transfer system and method using an automatic deposit machine for paying transfer funds
NZ303483A NZ303483A (en) 1995-02-22 1996-02-12 Automatic funds transfer using atm for funds dispensing with initiating, central and dispensing terminals and unique personal identification number
CA002209243A CA2209243C (en) 1995-02-22 1996-02-12 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
EP96906429A EP0811211B1 (en) 1995-02-22 1996-02-12 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
AU49810/96A AU687671B2 (en) 1995-02-22 1996-02-12 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
SK1112-97A SK284863B6 (en) 1995-02-22 1996-02-12 Method for fully automated electronic transfer of funds in cash or cash equivalent and system for thereof
MX9706084A MX9706084A (en) 1995-02-22 1996-02-12 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds.
NO19973856A NO318559B1 (en) 1995-02-22 1997-08-21 Electronic Transfer of Capital System and Procedure Using an Automated Cashier to Deliver Transferred Capital
FI973430A FI117525B (en) 1995-02-22 1997-08-21 System and method for electronic funds transfer using an automated cash register to dispose of transferred funds
HK98109319A HK1008255A1 (en) 1995-02-22 1998-07-21 System and method for electronic transfer of funds using an automated teller machine to dispense the transferrend funds

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/392,423 US5650604A (en) 1995-02-22 1995-02-22 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
US08/392,423 1995-02-22

Publications (2)

Publication Number Publication Date
WO1996026508A1 WO1996026508A1 (en) 1996-08-29
WO1996026508B1 true WO1996026508B1 (en) 1996-10-10

Family

ID=23550530

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1996/001979 WO1996026508A1 (en) 1995-02-22 1996-02-12 System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds

Country Status (22)

Country Link
US (1) US5650604A (en)
EP (1) EP0811211B1 (en)
JP (1) JP4480189B2 (en)
KR (1) KR100223662B1 (en)
CN (1) CN1107924C (en)
AT (1) ATE226345T1 (en)
AU (1) AU687671B2 (en)
BR (1) BR9606872A (en)
CA (1) CA2209243C (en)
CZ (1) CZ294023B6 (en)
DE (1) DE69624342T2 (en)
DK (1) DK0811211T3 (en)
ES (1) ES2185763T3 (en)
FI (1) FI117525B (en)
HK (1) HK1008255A1 (en)
MX (1) MX9706084A (en)
NO (1) NO318559B1 (en)
NZ (1) NZ303483A (en)
PL (1) PL180076B1 (en)
PT (1) PT811211E (en)
SK (1) SK284863B6 (en)
WO (1) WO1996026508A1 (en)

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