WO1996026508A1 - 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 Download PDFInfo
- Publication number
- WO1996026508A1 WO1996026508A1 PCT/US1996/001979 US9601979W WO9626508A1 WO 1996026508 A1 WO1996026508 A1 WO 1996026508A1 US 9601979 W US9601979 W US 9601979W WO 9626508 A1 WO9626508 A1 WO 9626508A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- cash
- electronic transfer
- terminal
- funds
- automated electronic
- Prior art date
Links
- 238000012546 transfer Methods 0.000 title claims abstract description 97
- 238000000034 method Methods 0.000 title claims abstract description 46
- 230000000977 initiatory effect Effects 0.000 claims abstract description 72
- 230000004044 response Effects 0.000 claims description 6
- 230000007246 mechanism Effects 0.000 claims description 5
- 238000012790 confirmation Methods 0.000 claims 2
- 238000013475 authorization Methods 0.000 description 35
- 239000003795 chemical substances by application Substances 0.000 description 24
- 230000008569 process Effects 0.000 description 7
- 238000010586 diagram Methods 0.000 description 6
- 239000003999 initiator Substances 0.000 description 6
- 238000003780 insertion Methods 0.000 description 3
- 230000037431 insertion Effects 0.000 description 3
- 230000008901 benefit Effects 0.000 description 2
- 230000001419 dependent effect Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000009471 action Effects 0.000 description 1
- 238000013459 approach Methods 0.000 description 1
- 238000010923 batch production Methods 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000001010 compromised effect Effects 0.000 description 1
- 230000003247 decreasing effect Effects 0.000 description 1
- 230000001934 delay Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000009826 distribution Methods 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- 238000012423 maintenance Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000013507 mapping Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 238000011160 research Methods 0.000 description 1
- 230000002441 reversible effect Effects 0.000 description 1
- 230000001932 seasonal effect Effects 0.000 description 1
- 238000003860 storage Methods 0.000 description 1
- 230000017105 transposition Effects 0.000 description 1
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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Forklifts And Lifting Vehicles (AREA)
- Medicines That Contain Protein Lipid Enzymes And Other Medicines (AREA)
- Peptides Or Proteins (AREA)
- Control Of Conveyors (AREA)
- Measurement Of Radiation (AREA)
Abstract
Description
Claims
Priority Applications (16)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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. |
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 |
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 |
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 |
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 |
JP52573596A JP4480189B2 (en) | 1995-02-22 | 1996-02-12 | Fund electronic transfer system and method using an automatic deposit machine for paying transfer 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 | 1995-02-22 | ||
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 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1996026508A1 true WO1996026508A1 (en) | 1996-08-29 |
WO1996026508B1 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) |
Cited By (34)
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WO1998030985A3 (en) * | 1997-01-06 | 1998-09-11 | Aerotel Ltd | Computerized money transfer system |
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GB2331822A (en) * | 1997-12-01 | 1999-06-02 | Global Money Transfer Holdings | Money transfers |
WO1999048035A1 (en) * | 1998-03-16 | 1999-09-23 | Fujitsu Limited | Remitting system and method |
EP0960499A1 (en) * | 1997-02-14 | 1999-12-01 | Citicorp Development Center, Inc. | Method and system for transferring funds |
WO2002052474A1 (en) * | 2000-12-26 | 2002-07-04 | Jcb Co., Ltd. | Overseas remittance system and method |
EP1244991A1 (en) * | 1999-10-26 | 2002-10-02 | First Data Corporation | Method and system for performing money transfer transactions |
EP1464016A2 (en) * | 2002-01-03 | 2004-10-06 | First Data Corporation | Money transfer systems and methods |
EP1481351A2 (en) * | 2002-02-15 | 2004-12-01 | Coinstar, Inc. | Methods and systems for exchanging and/or transferring various forms of value |
EP1504384A2 (en) * | 2002-01-03 | 2005-02-09 | First Data Corporation | Method for receiving electronically transferred funds using an automated teller machine |
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WO2008107488A1 (en) * | 2007-03-07 | 2008-09-12 | The Royal Bank Of Scotland Plc | Methods and systems for managing loss or theft of atm cards |
US7716128B2 (en) | 2001-03-31 | 2010-05-11 | The Western Union Company | Electronic indentifier payment systems and methods |
US7783571B2 (en) | 2007-05-31 | 2010-08-24 | First Data Corporation | ATM system for receiving cash deposits from non-networked clients |
US7930216B2 (en) | 2000-07-11 | 2011-04-19 | The Western Union Company | Method for making an online payment through a payment enabler system |
US7933835B2 (en) | 2007-01-17 | 2011-04-26 | The Western Union Company | Secure money transfer systems and methods using biometric keys associated therewith |
US7937292B2 (en) | 2000-07-11 | 2011-05-03 | The Western Union Company | Wide area network person-to-person payment |
US8244632B2 (en) | 2001-10-26 | 2012-08-14 | First Data Corporation | Automated transfer with stored value |
US8271382B2 (en) | 1999-10-26 | 2012-09-18 | The Western Union Company | Systems and methods of introducing and receiving information across a computer network |
US8374962B2 (en) | 2001-10-26 | 2013-02-12 | First Data Corporation | Stored value payouts |
US8504473B2 (en) | 2007-03-28 | 2013-08-06 | The Western Union Company | Money transfer system and messaging system |
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US8818904B2 (en) | 2007-01-17 | 2014-08-26 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
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Also Published As
Publication number | Publication date |
---|---|
NO973856D0 (en) | 1997-08-21 |
NZ303483A (en) | 1998-04-27 |
FI117525B (en) | 2006-11-15 |
CZ256197A3 (en) | 1997-11-12 |
EP0811211B1 (en) | 2002-10-16 |
CN1176012A (en) | 1998-03-11 |
CA2209243C (en) | 2000-11-07 |
ATE226345T1 (en) | 2002-11-15 |
CN1107924C (en) | 2003-05-07 |
DE69624342D1 (en) | 2002-11-21 |
PL321936A1 (en) | 1998-01-05 |
JPH11500845A (en) | 1999-01-19 |
NO318559B1 (en) | 2005-04-11 |
FI973430A0 (en) | 1997-08-21 |
KR19980702113A (en) | 1998-07-15 |
KR100223662B1 (en) | 1999-10-15 |
ES2185763T3 (en) | 2003-05-01 |
EP0811211A1 (en) | 1997-12-10 |
CA2209243A1 (en) | 1996-08-29 |
JP4480189B2 (en) | 2010-06-16 |
US5650604A (en) | 1997-07-22 |
PL180076B1 (en) | 2000-12-29 |
HK1008255A1 (en) | 1999-05-07 |
SK111297A3 (en) | 1998-01-14 |
NO973856L (en) | 1997-08-21 |
FI973430A (en) | 1997-08-21 |
SK284863B6 (en) | 2006-01-05 |
PT811211E (en) | 2003-03-31 |
MX9706084A (en) | 1997-12-31 |
AU4981096A (en) | 1996-09-11 |
BR9606872A (en) | 1997-12-23 |
DE69624342T2 (en) | 2003-07-03 |
DK0811211T3 (en) | 2002-11-04 |
AU687671B2 (en) | 1998-02-26 |
CZ294023B6 (en) | 2004-09-15 |
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