WO2006009816A3 - Atm machine and methods with currency conversion capabilities - Google Patents

Atm machine and methods with currency conversion capabilities Download PDF

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Publication number
WO2006009816A3
WO2006009816A3 PCT/US2005/021403 US2005021403W WO2006009816A3 WO 2006009816 A3 WO2006009816 A3 WO 2006009816A3 US 2005021403 W US2005021403 W US 2005021403W WO 2006009816 A3 WO2006009816 A3 WO 2006009816A3
Authority
WO
WIPO (PCT)
Prior art keywords
methods
atm
currency
customer
conversion capabilities
Prior art date
Application number
PCT/US2005/021403
Other languages
French (fr)
Other versions
WO2006009816A2 (en
Inventor
Charles A Fillinger
Barry O'sullivan
Original Assignee
First Data Corp
Fexco
Charles A Fillinger
Barry O'sullivan
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
Application filed by First Data Corp, Fexco, Charles A Fillinger, Barry O'sullivan filed Critical First Data Corp
Priority to AU2005265078A priority Critical patent/AU2005265078B2/en
Priority to CA2570701A priority patent/CA2570701C/en
Priority to BRPI0511987-1A priority patent/BRPI0511987A/en
Priority to EP05761774A priority patent/EP1771809A4/en
Publication of WO2006009816A2 publication Critical patent/WO2006009816A2/en
Publication of WO2006009816A3 publication Critical patent/WO2006009816A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • G06Q20/1085Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/381Currency conversion
    • 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]
    • 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]
    • G07F19/202Depositing operations within ATMs

Abstract

Methods, systems, and Automated Teller Machines (ATMs) are disclosed which provide ATM currency conversion capabilities. In one embodiment, a financial account number associated with a financial account maintained by a customer at a financial institution is received, a foreign currency type associated with the financial account is determined, and a choice is presented to the customer at the ATM to conduct a financial transaction in the foreign currency type. A currency selection is received from the customer and at least a portion of the financial transaction is conducted at the ATM in the selected currency.
PCT/US2005/021403 2004-06-17 2005-06-16 Atm machine and methods with currency conversion capabilities WO2006009816A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2005265078A AU2005265078B2 (en) 2004-06-17 2005-06-16 ATM machine and methods with currency conversion capabilities
CA2570701A CA2570701C (en) 2004-06-17 2005-06-16 Atm machine and methods with currency conversion capabilities
BRPI0511987-1A BRPI0511987A (en) 2004-06-17 2005-06-16 automated talking machine (24-hour bank), currency conversion information reporting system and respective methods
EP05761774A EP1771809A4 (en) 2004-06-17 2005-06-16 Atm machine and methods with currency conversion capabilities

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US58098504P 2004-06-17 2004-06-17
US60/580,985 2004-06-17
US58816904P 2004-07-14 2004-07-14
US60/588,169 2004-07-14
US11/154,102 2005-06-15
US11/154,102 US7219832B2 (en) 2004-06-17 2005-06-15 ATM machine and methods with currency conversion capabilities

Publications (2)

Publication Number Publication Date
WO2006009816A2 WO2006009816A2 (en) 2006-01-26
WO2006009816A3 true WO2006009816A3 (en) 2006-12-14

Family

ID=35731005

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/021403 WO2006009816A2 (en) 2004-06-17 2005-06-16 Atm machine and methods with currency conversion capabilities

Country Status (6)

Country Link
US (2) US7219832B2 (en)
EP (1) EP1771809A4 (en)
AU (1) AU2005265078B2 (en)
BR (1) BRPI0511987A (en)
CA (1) CA2570701C (en)
WO (1) WO2006009816A2 (en)

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