WO1998025241A2 - Method and system of transferring currency between atms - Google Patents
Method and system of transferring currency between atms Download PDFInfo
- Publication number
- WO1998025241A2 WO1998025241A2 PCT/HU1997/000076 HU9700076W WO9825241A2 WO 1998025241 A2 WO1998025241 A2 WO 1998025241A2 HU 9700076 W HU9700076 W HU 9700076W WO 9825241 A2 WO9825241 A2 WO 9825241A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- account
- currency
- atm
- transferring
- transaction
- Prior art date
Links
Classifications
-
- 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
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- 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; 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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]
- G07F19/211—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
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Definitions
- U.S. Patent # 5,546,523 issued on Aug. 13, 1996 to Gatto discloses an electronic fund transfer system capable of displaying a menu which has one or more user-defined transactions associated with an identification card.
- the system allows the user to select desired transactions via a single selection or with limited inputs.
- the transactions may be defined by the user during a setup operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in the local memory of a transaction terminal, and/or in the system memory of the electronics funds transfer system.
- the system allows a user to access a number of financial accounts with different institutions using a single identification card.
- Japanese Patent # 60-69,774 issued on Apr. 1985 discloses a money transfer processing system for secure transactions through an automatic transaction device.
- the system enables cash transfer to another banking agency by reducing transfer destination information that a person must input.
- Japanese Patent # 60-195,671 issued on Oct. 1985 discloses an automatic money transferring device for making transfer operations to any desired destination at all branches of member banks of a nationwide bank association.
- the device provides simple operations which the customer can perform complete the transfer operations.
- a file device is also provided to store the names of all branches of the member banks.
- the transaction card 30 includes a front surface 32 and a rear surface 38. Along the front surface 32 there is often displayed an account number 34 identifying the account to which the transaction card 30 is associated. The name 36 of the individual to whom the account belongs may also be provided on the front surface 32. Depending on the particular bank issuing the transaction card 30, various other information such as logos may be provided on the front surface 32 in order to identify the bank.
- the rear surface 38 of the transaction card 30 contains a magnetic strip 40 on which information pertaining to the account is stored. This information often includes the account number and routing code of the bank issuing the transaction card 30.
- the routing code is a standard code which is used to identify particular bank and a specific branch thereof.
- the individual may then elect to perform routine banking functions or transfer currency to a second account. If the individual does not wish to perform the transfer, they are prompted to perform other transactions. If no transactions are desired, the session is terminated. On the other hand, if the transfer of currency is desired, the first computer system transmits the entry code for the first bank to the main computer for validation. The main computer queries its database in order to determine if the entry code transmitted is valid. If it is valid, the main computer transmits a signal back to the first computer system to allow the transaction to proceed. Otherwise, the transaction will be cancelled.
- Information regarding the transaction is transmitted to the main computer. This information may vary, but should contain enough data to uniquely identify a particular transfer. For example, information such as the number of the first account, the amount of currency transferred, and the routing code of the first bank should all be transmitted.
- the routing code identifies the financial institution to which the bank belongs as well as the specific branch.
- the account number identifies the specific account at the bank from which the currency must be debited.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Software Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Preparation Of Compounds By Using Micro-Organisms (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AT97945996T ATE206837T1 (en) | 1996-12-04 | 1997-11-17 | METHOD AND SYSTEM FOR TRANSFERRING FUNDS FROM A FIRST ACCOUNT TO AN ATM |
AU51306/98A AU5130698A (en) | 1996-12-04 | 1997-11-17 | Method and system of transferring currency between atms |
HU0500521A HU225076B1 (en) | 1996-12-04 | 1997-11-17 | Method and system of transferring currency |
DE69707313T DE69707313D1 (en) | 1996-12-04 | 1997-11-17 | Method and system for transferring money from a first account to an ATM |
EP97945996A EP0958559B1 (en) | 1996-12-04 | 1997-11-17 | Method and system of transferring currency from a first account to an ATM |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/759,185 US5937396A (en) | 1996-12-04 | 1996-12-04 | System for ATM/ATM transfers |
US08/759,185 | 1996-12-04 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1998025241A2 true WO1998025241A2 (en) | 1998-06-11 |
WO1998025241A3 WO1998025241A3 (en) | 1998-09-17 |
Family
ID=25054704
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/HU1997/000076 WO1998025241A2 (en) | 1996-12-04 | 1997-11-17 | Method and system of transferring currency between atms |
Country Status (7)
Country | Link |
---|---|
US (1) | US5937396A (en) |
EP (1) | EP0958559B1 (en) |
AT (1) | ATE206837T1 (en) |
AU (1) | AU5130698A (en) |
DE (1) | DE69707313D1 (en) |
HU (1) | HU225076B1 (en) |
WO (1) | WO1998025241A2 (en) |
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EP1182627A1 (en) * | 1999-04-30 | 2002-02-27 | Fujitsu Limited | Automatic teller's machine |
EP1481351A2 (en) * | 2002-02-15 | 2004-12-01 | Coinstar, Inc. | Methods and systems for exchanging and/or transferring various forms of value |
EP2226759A1 (en) * | 2007-10-29 | 2010-09-08 | Shin-Ichi Tanaka | Electronic settlement method and electronic settlement device |
US9064268B2 (en) | 2010-11-01 | 2015-06-23 | Outerwall Inc. | Gift card exchange kiosks and associated methods of use |
US9799014B2 (en) | 2011-11-23 | 2017-10-24 | Coinstar Asset Holdings, Llc | Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same |
US10346819B2 (en) | 2015-11-19 | 2019-07-09 | Coinstar Asset Holdings, Llc | Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving |
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Also Published As
Publication number | Publication date |
---|---|
HUP0500521A2 (en) | 2005-08-29 |
US5937396A (en) | 1999-08-10 |
WO1998025241A3 (en) | 1998-09-17 |
DE69707313D1 (en) | 2001-11-15 |
ATE206837T1 (en) | 2001-10-15 |
EP0958559B1 (en) | 2001-10-10 |
AU5130698A (en) | 1998-06-29 |
EP0958559A2 (en) | 1999-11-24 |
HU225076B1 (en) | 2006-06-28 |
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