WO2000079360A3 - Apparatus, systems and methods for providing at home automatic teller machine services - Google Patents

Apparatus, systems and methods for providing at home automatic teller machine services Download PDF

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Publication number
WO2000079360A3
WO2000079360A3 PCT/US2000/016640 US0016640W WO0079360A3 WO 2000079360 A3 WO2000079360 A3 WO 2000079360A3 US 0016640 W US0016640 W US 0016640W WO 0079360 A3 WO0079360 A3 WO 0079360A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
computer
atm
set
teller machine
Prior art date
Application number
PCT/US2000/016640
Other languages
French (fr)
Other versions
WO2000079360A2 (en
Inventor
Thomas K Reed Jr
Original Assignee
Thomas K Reed Jr
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 to US13963099P priority Critical
Priority to US60/139,630 priority
Application filed by Thomas K Reed Jr filed Critical Thomas K Reed Jr
Publication of WO2000079360A2 publication Critical patent/WO2000079360A2/en
Publication of WO2000079360A3 publication Critical patent/WO2000079360A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • G07F19/20Automatic teller machines [ATMs]

Abstract

The present invention provides at home Automatic Teller Machine (ATM) services through a user's own computer device in accordance with procedures depicted in Fig. 3. The user's computer is programmed to respond to the user's insertion an ATM card (10) by establishing an electronic connection to the Guarantor's computer system (12) and displays simulated ATM user interface (13). The user's computer recognizes input from the ATM card reader device connected to the user's computer as a request for at home online banking services. The user's computer parses the input from the card reader according to a set of rules and translates from the parsed input contact information for the host computer. The user's computer then translates the contact information into set of communication instructions and then executes the set of communication instructions to establish an electronic communication connection with the host computer.
PCT/US2000/016640 1999-06-17 2000-06-16 Apparatus, systems and methods for providing at home automatic teller machine services WO2000079360A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US13963099P true 1999-06-17 1999-06-17
US60/139,630 1999-06-17

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
AU56193/00A AU5619300A (en) 1999-06-17 2000-06-16 Apparatus, systems and methods for providing at home automatic teller machine services

Publications (2)

Publication Number Publication Date
WO2000079360A2 WO2000079360A2 (en) 2000-12-28
WO2000079360A3 true WO2000079360A3 (en) 2001-07-12

Family

ID=22487575

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/016640 WO2000079360A2 (en) 1999-06-17 2000-06-16 Apparatus, systems and methods for providing at home automatic teller machine services

Country Status (2)

Country Link
AU (1) AU5619300A (en)
WO (1) WO2000079360A2 (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU4856701A (en) * 2000-04-17 2001-10-30 Robert Kaplan Method and apparatus for transferring or receiving data via the internet securely
PL363886A1 (en) 2001-03-19 2004-11-29 Diebold, Incorporated Automated banking machine processing system and method
EP1965361A3 (en) * 2007-03-01 2009-09-02 Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim An electronic transaction and application terminal with visual identification checking capability

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5050207A (en) * 1989-11-03 1991-09-17 National Transaction Network, Inc. Portable automated teller machine
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5485370A (en) * 1988-05-05 1996-01-16 Transaction Technology, Inc. Home services delivery system with intelligent terminal emulator
US5812668A (en) * 1996-06-17 1998-09-22 Verifone, Inc. System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5485370A (en) * 1988-05-05 1996-01-16 Transaction Technology, Inc. Home services delivery system with intelligent terminal emulator
US5050207A (en) * 1989-11-03 1991-09-17 National Transaction Network, Inc. Portable automated teller machine
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5812668A (en) * 1996-06-17 1998-09-22 Verifone, Inc. System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture

Also Published As

Publication number Publication date
AU5619300A (en) 2001-01-09
WO2000079360A2 (en) 2000-12-28

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