[go: up one dir, main page]

AU2001277033A1 - Method and system for performing a cash transaction with a self-service financial transaction terminal - Google Patents

Method and system for performing a cash transaction with a self-service financial transaction terminal

Info

Publication number
AU2001277033A1
AU2001277033A1 AU2001277033A AU7703301A AU2001277033A1 AU 2001277033 A1 AU2001277033 A1 AU 2001277033A1 AU 2001277033 A AU2001277033 A AU 2001277033A AU 7703301 A AU7703301 A AU 7703301A AU 2001277033 A1 AU2001277033 A1 AU 2001277033A1
Authority
AU
Australia
Prior art keywords
self
service financial
financial transaction
cash
transaction
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
AU2001277033A
Other languages
English (en)
Inventor
Phoebe Rin-Rin Hsu
Carol J. Rizzo
Michael L. Sears
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Citicorp Development Center Inc
Original Assignee
Citicorp Development Center Inc
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 Citicorp Development Center Inc filed Critical Citicorp Development Center Inc
Publication of AU2001277033A1 publication Critical patent/AU2001277033A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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]
    • G07F19/201—Accessories of 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]
    • G07F19/203—Dispensing operations within ATMs

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
AU2001277033A 2000-07-20 2001-07-20 Method and system for performing a cash transaction with a self-service financial transaction terminal Abandoned AU2001277033A1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US21976800P 2000-07-20 2000-07-20
US60219768 2000-07-20
PCT/US2001/022888 WO2002009001A1 (fr) 2000-07-20 2001-07-20 Procede et systeme permettant d'effectuer une transaction au comptant a l'aide d'un terminal de transactions financieres libre-service

Publications (1)

Publication Number Publication Date
AU2001277033A1 true AU2001277033A1 (en) 2002-02-05

Family

ID=22820698

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2001277033A Abandoned AU2001277033A1 (en) 2000-07-20 2001-07-20 Method and system for performing a cash transaction with a self-service financial transaction terminal

Country Status (3)

Country Link
US (3) US8065226B2 (fr)
AU (1) AU2001277033A1 (fr)
WO (1) WO2002009001A1 (fr)

Families Citing this family (75)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6496809B1 (en) * 2000-06-09 2002-12-17 Brett Nakfoor Electronic ticketing system and method
US20060095344A1 (en) * 2000-06-09 2006-05-04 Nakfoor Brett A System and method for fan lifecycle management
US9697650B2 (en) * 2000-06-09 2017-07-04 Flash Seats, Llc Method and system for access verification within a venue
US20030028491A1 (en) * 2000-08-25 2003-02-06 Cooper Jonathan D. Improved money transfer system and method with added security features
US6980969B1 (en) * 2000-11-16 2005-12-27 Sears, Roebuck And Co. Methods and apparatus for allowing internet based purchases based on a temporary credit card number
US7444676B1 (en) * 2001-08-29 2008-10-28 Nader Asghari-Kamrani Direct authentication and authorization system and method for trusted network of financial institutions
US7103576B2 (en) * 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US7822684B2 (en) * 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
AU2003211087B2 (en) * 2002-02-15 2007-09-13 Coinstar, Llc Methods and systems for exchanging and/or transferring various forms of value
US20040103060A1 (en) * 2002-11-22 2004-05-27 Pitney Bowes Incorporated Secure payment system and method having one-time use authorization
US7215743B2 (en) * 2002-12-20 2007-05-08 International Business Machines Corporation Telephony signals containing an IVR decision tree
FR2871014B1 (fr) * 2004-05-28 2006-09-08 Prosodie Sa Systeme d'aide a la distribution de droits, notamment d'allocations monetaires
CN1998016A (zh) * 2004-07-05 2007-07-11 般金特尔公司 通过短信方式的支付委托在自动提款机上无卡取款的方法
US7699217B1 (en) * 2005-08-31 2010-04-20 Chan Hark C Authentication with no physical identification document
DE102005050605A1 (de) * 2005-10-21 2007-05-24 Wincor Nixdorf International Gmbh System und Verfahren zum Auszahlen von Bargeld
US8577805B1 (en) 2007-07-23 2013-11-05 United Services Automobile Association (Usaa) Systems and methods for virtual banking
US20080109280A1 (en) * 2006-09-12 2008-05-08 Daniel Csoka Systems and methods for transferring funds from a sending account
US20090070257A1 (en) * 2006-09-12 2009-03-12 Daniel Csoka Systems and methods for transferring funds from a sending account
FR2908211B1 (fr) * 2006-11-08 2009-02-20 Paycool Int Ltd Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
GB0704396D0 (en) * 2007-03-07 2007-04-11 Royal Bank Of Scotland Plc The Cash dispensing methods and systems
US9235689B2 (en) 2007-03-13 2016-01-12 Medicasafe, Inc. Method, system and apparatus for controlling patient access to medicaments
US7996106B2 (en) 2007-03-13 2011-08-09 Medicasafe, Inc. Method, system and apparatus for controlling patient access to medicaments
DE602007012538D1 (de) * 2007-07-27 2011-03-31 Ntt Docomo Inc Verfahren und Vorrichtung zur Durchführung delegierter Transaktionen
US10460376B1 (en) 2007-11-28 2019-10-29 Wells Fargo Bank, N.A. System and method for data management and financial budgeting
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
EP2329463A1 (fr) * 2008-07-15 2011-06-08 Medicasafe, Inc. Procédé, système et appareil pour contrôler l'accès d'un patient à des médicaments
US8260707B2 (en) * 2008-07-15 2012-09-04 Bank Of America Corporation Automated teller machine transaction queue
US7890425B2 (en) * 2008-09-18 2011-02-15 Wells Fargo Bank N.A. Card-less financial transaction
US8181861B2 (en) 2008-10-13 2012-05-22 Miri Systems, Llc Electronic transaction security system and method
US8762275B2 (en) * 2009-04-15 2014-06-24 First Data Corporation Systems and methods providing multiple account holder functionality
WO2010125577A1 (fr) * 2009-04-27 2010-11-04 Shrivastav Shourabh Transaction financière sans carte
US8639622B1 (en) 2009-08-31 2014-01-28 Wells Fargo Bank, N.A. Budget management system and method
CA2783841C (fr) 2009-10-05 2023-09-05 Miri Systems, Llc Systeme et procede pour securite des transactions electroniques
US20120310839A1 (en) * 2010-05-12 2012-12-06 Zte Corporation Method and service platform for implementing account transfer using mobile terminal
FR2960333B1 (fr) * 2010-05-19 2013-03-08 Patrick Duranty Automate de billets de banque a clavier d'ordinateur incorpore qui permet de transmettre un code a chiffres monnayable sans carte d'un automate bancaire affilie au reseau, code recu par sms ou mail
FR2960675B1 (fr) * 2010-05-27 2015-05-22 Christian Rene Marie Soulez Procede et systeme de teletransmission securisee
WO2012003842A1 (fr) * 2010-07-08 2012-01-12 Ashraf Abdel Salam Mohammed El Disoky Procédé et système de paiement et de traitement de toutes les opérations financières à l'aide d'un crédit de téléphone sans fil, à fil et mobile, en tant qu'alternative au transport d'argent ou de cartes de crédit
US9715690B2 (en) 2010-08-25 2017-07-25 American Cash Exchange, Inc. Authorization of cash delivery
US9064268B2 (en) 2010-11-01 2015-06-23 Outerwall Inc. Gift card exchange kiosks and associated methods of use
US20120330824A1 (en) * 2011-06-23 2012-12-27 Ebay Inc. Cash retrieval using payment provider
SI23818A (sl) * 2011-07-25 2013-01-31 Marko JaneĹľiÄŤ Postopek brezgotovinskega prenosa denarnih sredstev s pomočjo plačilne kode
US9922370B2 (en) * 2011-11-15 2018-03-20 Ncr Corporation Techniques for automated teller machine (ATM) transactions
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
EP2791851A2 (fr) * 2011-12-14 2014-10-22 VoiceCash IP GmbH Systèmes et procédés d'authentification de destinataires de prestations
GB201122484D0 (en) 2011-12-30 2012-02-08 Korala Associates Ltd A user terminal system
US9129294B2 (en) 2012-02-06 2015-09-08 Outerwall Inc. Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like
USD678653S1 (en) 2012-07-19 2013-03-19 Jpmorgan Chase Bank, N.A. Drive-up financial transaction machine
US8881245B2 (en) * 2012-09-28 2014-11-04 Avaya Inc. System and method for enhancing self-service security applications
CN103150649A (zh) * 2013-02-06 2013-06-12 平安银行股份有限公司 一种通过手机实现支付转账和无卡取现的交易方法
USD690074S1 (en) 2013-03-13 2013-09-17 Jpmorgan Chase Bank, N.A. Financial transaction machine
US8924259B2 (en) 2013-03-14 2014-12-30 Square, Inc. Mobile device payments
US9367837B2 (en) * 2013-03-27 2016-06-14 Glory Global Solutions (International) Limited Cash and/or financial document handling system
CN104574178A (zh) * 2013-10-14 2015-04-29 中兴通讯股份有限公司 无卡取现的交易方法及装置
CN104269000A (zh) * 2014-10-21 2015-01-07 中国建设银行股份有限公司 一种无介质现金业务处理方法及系统
CL2014002923A1 (es) * 2014-10-29 2015-02-13 Miguel Fuica Jerez José Procedimiento de seguridad que evita el fraude y avisa instantáneamente al usuario en el momento que se produce un intento de acceso ilícito a las cuentas bancarias o comerciales sin autorización del usuario, consiste en obligar al usuario iniciar sesión telefónica, antes de usar su cuenta y realizar sus transacciones.
US10217093B2 (en) * 2014-11-14 2019-02-26 Capital One Services, Llc System and method of social cash withdrawal
US10475296B1 (en) * 2014-12-30 2019-11-12 Jpmorgan Chase Bank, N.A. Hybrid cash recycler
US10354246B1 (en) * 2015-03-18 2019-07-16 Square, Inc. Cash transaction machine
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
US11568418B2 (en) 2016-09-30 2023-01-31 Block, Inc. Payment application based fund transfer
US11348077B2 (en) 2016-12-12 2022-05-31 Citibank, N.A. Systems and methods for pre-staging ATM transactions
US20180218345A1 (en) * 2017-01-28 2018-08-02 Mastercard International Incorporated Systems and methods for processing preauthorized automated banking machine-related transactions
JP2018128975A (ja) * 2017-02-10 2018-08-16 グローリー株式会社 顧客取引システム、自動取引装置及び顧客取引方法
US20190073663A1 (en) 2017-09-05 2019-03-07 Paypal, Inc. System and method for cardless cash access
GB201721028D0 (en) * 2017-12-15 2018-01-31 Semafone Ltd Authentication and authorisation
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
US10325087B1 (en) * 2018-07-09 2019-06-18 Capital One Services, Llc Systems and methods for authenticating a user at a public terminal
US10477028B1 (en) * 2018-07-13 2019-11-12 Bank Of America Corporation System for processing voice responses using a natural language processing engine
US11037115B2 (en) * 2019-09-12 2021-06-15 Capital One Services, Llc Method and system to predict ATM locations for users
KR102669787B1 (ko) * 2020-04-08 2024-05-28 주식회사 올링크 금융거래 자동화기기를 이용한 금융거래 방법 및 금융거래 시스템
US11423380B2 (en) * 2020-05-18 2022-08-23 Capital One Services, Llc Remote activation of kiosk to serve product or release cash to customer
US11074562B1 (en) 2020-05-18 2021-07-27 Capital One Services, Llc Using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM
US11475421B2 (en) 2020-08-13 2022-10-18 Capital One Services, Llc ATM transactions using barcodes in multiple states
US12277562B1 (en) 2022-07-14 2025-04-15 Block, Inc. Decentralized cryptographic asset exchange with secure interactive element
US20240330888A1 (en) * 2023-03-31 2024-10-03 Ncr Voyix Corporation Flexible self-service terminal (sst) transaction processing

Family Cites Families (69)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3826344A (en) * 1969-04-16 1974-07-30 E Wahlberg Apparatus for transacting business
US4114027A (en) * 1976-09-13 1978-09-12 The Mosler Safe Company On-line/off-line automated banking system
US4319336A (en) 1979-02-02 1982-03-09 International Business Machines Corporation Transaction execution system with improved key function versatility
US4321672A (en) * 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US4529870A (en) * 1980-03-10 1985-07-16 David Chaum Cryptographic identification, financial transaction, and credential device
US4341951A (en) * 1980-07-02 1982-07-27 Benton William M Electronic funds transfer and voucher issue system
FR2497617B1 (fr) * 1981-01-07 1989-08-18 Transac Develop Transactions A Procede et dispositif de securite pour communication tripartie de donnees confidentielles
US4773001A (en) * 1985-10-02 1988-09-20 International Business Machines Corp. Method and apparatus for communicating with remote units of a distributive data processing system
US4707592A (en) * 1985-10-07 1987-11-17 Ware Paul N Personal universal identity card system for failsafe interactive financial transactions
US4823264A (en) 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US4766293A (en) * 1986-06-26 1988-08-23 Visa International Service Association Portable financial transaction card capable of authorizing a transaction in foreign currencies
JPS63233458A (ja) * 1987-03-20 1988-09-29 Sharp Corp 通貨換算機能付電子機器
JPS6417186A (en) 1987-07-11 1989-01-20 Fujitsu Ltd Automatic teller apparatus
US5012076A (en) * 1988-03-02 1991-04-30 Hitachi, Ltd. Transaction method wherein transaction amount is compared with account balance before ID is entered
US5195130A (en) 1988-05-05 1993-03-16 Transaction Technology, Inc. Computer and telephone apparatus with user friendly computer interface and enhanced integrity features
US5025373A (en) * 1988-06-30 1991-06-18 Jml Communications, Inc. Portable personal-banking system
US5231662A (en) * 1989-08-01 1993-07-27 Tulip Computers International B.V. Method and device for enciphering data to be transferred and for deciphering the enciphered data, and a computer system comprising such a device
US5157717A (en) * 1989-11-03 1992-10-20 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
US5184115A (en) 1990-06-04 1993-02-02 At&T Bell Laboratories Touch-screen arrangement
US5162783A (en) 1990-07-23 1992-11-10 Akzo N.V. Infrared touch screen device for a video monitor
US5255305A (en) * 1990-11-01 1993-10-19 Voiceplex Corporation Integrated voice processing system
GB2251098B (en) 1990-12-17 1994-10-05 Allied Irish Banks P L C Apparatus for processing data
US5550358A (en) * 1991-01-31 1996-08-27 Tait; Robert A. R. Non-contacting transaction system
GB9121995D0 (en) * 1991-10-16 1991-11-27 Jonhig Ltd Value transfer system
US5453601A (en) * 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5367561A (en) * 1992-02-10 1994-11-22 First City Texas-Dallas Cash access system and method of operation
US5483261A (en) 1992-02-14 1996-01-09 Itu Research, Inc. Graphical input controller and method with rear screen image detection
EP0563477A1 (fr) 1992-03-25 1993-10-06 Visage Inc. Appareil capteur pour un écran tactile
US5336870A (en) * 1992-05-26 1994-08-09 Hughes Thomas S System for remote purchase payment transactions and remote bill payments
US5424938A (en) * 1992-10-13 1995-06-13 First Chicago Corporation Method and apparatus for providing access to a plurality of payment networks
US5267314A (en) * 1992-11-17 1993-11-30 Leon Stambler Secure transaction system and method utilized therein
US5337358A (en) 1992-11-20 1994-08-09 Pitney Bowes Inc. Apparatus for recording a transaction including authenticating an identification card
US5326960A (en) * 1992-11-25 1994-07-05 Tannenbaum David H Currency transfer system and method
US5350906A (en) * 1992-11-25 1994-09-27 Brody Bill E Currency transfer system and method using fixed limit cards
JPH06243158A (ja) * 1993-02-19 1994-09-02 Fujitsu Ltd 外国送金業務処理システム
US5477038A (en) 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5420926A (en) 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
CA2185689A1 (fr) 1994-03-17 1995-09-21 William J. Veeneman Dispositif distributeur de bons a reperes exploitables par machine
US5457305A (en) * 1994-03-31 1995-10-10 Akel; William S. Distributed on-line money access card transaction processing system
US5570113A (en) 1994-06-29 1996-10-29 International Business Machines Corporation Computer based pen system and method for automatically cancelling unwanted gestures and preventing anomalous signals as inputs to such system
US5564974A (en) 1994-09-06 1996-10-15 Cummins-Allison Corp. Coin sorting system with touch screen device
US5544086A (en) 1994-09-30 1996-08-06 Electronic Payment Services, Inc. Information consolidation within a transaction network
US5590196A (en) * 1994-10-06 1996-12-31 Connotech Experts Conseils Inc. Secure payment method using facsimile
US5915023A (en) * 1997-01-06 1999-06-22 Bernstein; Robert Automatic portable account controller for remotely arranging for transfer of value to a recipient
US5650604A (en) * 1995-02-22 1997-07-22 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
SE506506C2 (sv) * 1995-04-11 1997-12-22 Au System Elektronisk transaktionsterminal, telekommunikationssystem innefattande en elektronisk transaktionsterminal, smart kort som elektronisk transaktionsterminal samt metod för överföring av elektroniska krediter
US5546523A (en) * 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
US5661781A (en) * 1995-05-01 1997-08-26 At&T Message notification system for card users
US5659165A (en) * 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
US5825003A (en) * 1995-07-24 1998-10-20 Citicorp Development Center Customer-directed, automated process for transferring funds between accounts using a holding account and local processing
US5722820A (en) 1996-05-28 1998-03-03 Robbins & Myers, Inc. Progressing cavity pump having less compressive fit near the discharge
US7096003B2 (en) * 1996-08-08 2006-08-22 Raymond Anthony Joao Transaction security apparatus
US5913203A (en) * 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US5964831A (en) 1996-10-29 1999-10-12 Electronic Data Systems Corporation Distributed on-line data communications system and method
US9418381B2 (en) * 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US5937396A (en) * 1996-12-04 1999-08-10 Konya; Arpad System for ATM/ATM transfers
US5963647A (en) * 1997-02-14 1999-10-05 Citicorp Development Center, Inc. Method and system for transferring funds from an account to an individual
US5903881A (en) * 1997-06-05 1999-05-11 Intuit, Inc. Personal online banking with integrated online statement and checkbook user interface
AU9487298A (en) 1997-09-19 1999-04-12 Colorado Microdisplay, Inc. Method and apparatus for illuminating a display device
GB2319641B (en) * 1997-11-28 1998-10-14 Ibm Secure variable storage for internet applications
US6081792A (en) * 1998-01-15 2000-06-27 Usa Payment, Inc. ATM and POS terminal and method of use thereof
US6173269B1 (en) * 1998-12-16 2001-01-09 Zowi.Com, Inc Method and apparatus for executing electronic commercial transactions with minors
US6488203B1 (en) * 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
US7376587B1 (en) * 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US7720754B1 (en) * 2000-01-05 2010-05-18 Uniteller Financial Services, Inc. Money-transfer techniques
US6736314B2 (en) * 2000-06-09 2004-05-18 Telecom Usa Methods and systems for transferring funds

Also Published As

Publication number Publication date
US20020069170A1 (en) 2002-06-06
WO2002009001A1 (fr) 2002-01-31
US8554672B1 (en) 2013-10-08
US20110320351A1 (en) 2011-12-29
US8065226B2 (en) 2011-11-22
US8364589B2 (en) 2013-01-29

Similar Documents

Publication Publication Date Title
AU2001277033A1 (en) Method and system for performing a cash transaction with a self-service financial transaction terminal
AU2002359650A1 (en) Method and system for conducting transactions using a payment card with two technologies
AU2002310160A1 (en) System and method for a prepaid card issued by a foreign financial institution
AU2001266628A1 (en) Biometric financial transaction system and method
AU2002340138A1 (en) System and method for conducting a financial transaction using a communication device
AU2002257475A1 (en) A method for performing a secure cash-free payment transaction and a cash-free payment system
AUPQ952400A0 (en) Improved method and system of effecting a financial transaction
AU2001287119A1 (en) System and method for providing a credit card with multiple credit lines
AU6629601A (en) System and method for multiple currency transactions
WO2001077868A8 (fr) Systeme, procede et appareil pour transactions financieres internationales
AU6463200A (en) System and method for collecting financial transaction data
AU2002243262A1 (en) Method and system for verifying the identify of on-line credit card purchases through a proxy transaction
AU2001275928A1 (en) System and method for selecting a credit card processor
AU2001261567A1 (en) System and method for providing electronic financial transaction services
AU1721601A (en) A system and method for conducting a financial transaction
AU6742601A (en) Payment card and method for conducting transactions using a payment card
AU2001255419A1 (en) Financial transaction card
AU2001263510A1 (en) System and method for reporting transaction information in a card-based transaction
AU2002232935A1 (en) System and method for estimating cash flow at risk for a non-financial institution
AU2001266227A1 (en) Financial payment system and method
AU2001274312A1 (en) Financial transaction processing method and system
AU2001232861A1 (en) Electronic cash for a financial transaction system
AU2001234899A1 (en) System and method for facilitating time and equity limited financial transactions across a computer network
AU2001241451A1 (en) Secure electronic payment method for fraud reduction and reduced transaction costs
AU2002214801A1 (en) Financial transaction method