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WO1998007119A2 - Machine de gestion de transaction a documents de transactions financieres - Google Patents

Machine de gestion de transaction a documents de transactions financieres Download PDF

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Publication number
WO1998007119A2
WO1998007119A2 PCT/US1997/014048 US9714048W WO9807119A2 WO 1998007119 A2 WO1998007119 A2 WO 1998007119A2 US 9714048 W US9714048 W US 9714048W WO 9807119 A2 WO9807119 A2 WO 9807119A2
Authority
WO
WIPO (PCT)
Prior art keywords
bill
payment
physical medium
financial transaction
check
Prior art date
Application number
PCT/US1997/014048
Other languages
English (en)
Other versions
WO1998007119A3 (fr
Inventor
Cosmo Mark Barone
Original Assignee
Unisys Corporation
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 Unisys Corporation filed Critical Unisys Corporation
Publication of WO1998007119A2 publication Critical patent/WO1998007119A2/fr
Publication of WO1998007119A3 publication Critical patent/WO1998007119A3/fr

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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
    • G07F7/04—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
    • 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
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
    • 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]

Definitions

  • the present invention relates to the processing and generating of financial transaction documents and more particularly to electronic processing and release of funds for payments.
  • a method and apparatus are disclosed for either scanning a financial transaction document such as a bill or for generating a financial transaction document such as a check, and for electronically signaling a financial institution to release a monetary amount which corresponds to the financial transaction document.
  • Sellers of products and services typically send their customers a financial transaction document, such as a bill, as a first step towards collecting payment. Each customer then typically writes a check and mails the check to the seller (hereafter, the "bill payee") to satisfy the bill.
  • a financial transaction document such as a bill
  • the customer When a customer pays a bill in this manner, the customer incurs expenses. The customer must affix a postage stamp to the envelope which the customer is using to forward his check to the bill payee. If the envelope is lost, for example, by the Postal Service, the customer has no record to prove that he has paid the bill. Furthermore, banks typically charge the customer each time a check is used. The bill payee has to wait for the Postal Service to deliver the check. This may take several days to a week. When the customer's payment is received, the envelope must be opened, a clerk must enter the check into the bill payee's accounting system and the check must be deposited into the bill payee's bank. If, as occasionally occurs, the check is not honored by the customer's bank (e.g.
  • the bill payee's bank may charge the bill payee a service fee. The bill payee then has to wait even longer to receive his money.
  • the bill payee's bank When the bill payee's bank receives the customer's check, the bill payee's bank needs to obtain the monies indicated by the check from the customer's bank and to credit this amount to the bill payee's account. Thus, the bill payee's bank has to return the check to the customer's bank and the bill payee's bank has to forward the monies to the seller's bank. The customer's bank has to remove the amount of the check from the customer's bank account. A report of this transaction must be made and the check is typically returned to the customer.
  • a method and apparatus enable release of monetary funds.
  • a customer with a monetary account which is managed by a financial institution indicates that payment is to be made.
  • a physical medium which identifies the payment is processed. The physical medium is either received or dispensed.
  • the financial institution is signaled to release funds for making a payment based upon the monetary account.
  • FIG 1 is a diagram of a bill paying machine (BPM) in accordance with the present invention used in conjunction with an automated teller machine (ATM).
  • BPM bill paying machine
  • ATM automated teller machine
  • FIG. 2 is a block diagram of an ATM which includes or which is coupled to a BPM in accordance with a first exemplary embodiment of the present invention.
  • FIG. 3 is a perspective diagram of a BPM in accordance with exemplary embodiments of the present invention.
  • FIG. 4 is a block diagram of an ATM which includes or which is coupled to a BPM in accordance with a second exemplary embodiment of the present invention.
  • Figure 5 is an illustration of an exemplary bill suitable for use with the present invention.
  • Figure 6 is a flowchart diagram which illustrates an exemplary embodiment of the present invention.
  • Figure 7 is a flowchart diagram which illustrates a further exemplary embodiment of the present invention.
  • Figure 8 is a block diagram of an ATM which includes or which is coupled to a BPM in accordance with an exemplary embodiment of the present invention.
  • FIG 1 is an illustration of a bill paying machine 150 used with an automated teller machine 100 in accordance with an exemplary embodiment of the present invention.
  • Automated teller machines are well know in the art. ATMs are also referred to as cash dispenser machines, because, in certain instances, the machines dispense cash (although some machines simply signal the transfer or release of funds).
  • Automated teller machine 100 is exemplary of typical ATMs found in banks, malls and supermarkets.
  • Display 110 provides a user with instructions and account information. Display 110 also displays messages requesting that the user enter instructions.
  • Keyboard 120 includes a numerical keypad so that the user may enter the amounts to be associated with particular transactions. A portion of keyboard 120 is located on both sides of display 110.
  • Card reader 130 receives an identification card (such as a debit card or a credit card).
  • the identification card includes an identification number which is read by the card reader. The identification number may be used to identify the user's various accounts.
  • Printer 140 provides written confirmation that the transaction requested by the user has been processed and may also be used for printing checks (as more clearly described below).
  • bill paying machine 150 includes its own printer (not shown in Figure 1) for printing the results of the transaction directly on the bill.
  • bill paying machine 150 is integrated into automated teller machine 100 to provide a single unit with bill paying capabilities.
  • Cash dispenser 160 (if included) dispenses the currency requested by the user (subject, or course, to account availability).
  • An optional receiving unit (not shown) may also be included to receive deposits.
  • Figure 2 is a block diagram of ATM 100 which includes or which is coupled to BPM 150 in accordance with a first exemplary embodiment of the present invention.
  • ATM 100 is constructed of a card reader 130, display 110, keyboard 120, clerk key 7, and memory 8 with expansion circuit 9, all connected to a controller 1.
  • Card reader 130 may be constructed of a magnetic stripe reader/writer 130a and optionally of an optical reader 130b.
  • the optional optical reader 130b is constructed of a light source (not shown) for applying light to an identification card, and an image sensor (not shown) for taking an image of surface information of the identification card (such as embossed characters).
  • controller 1 uses magnetic reader 130a to obtain data stored in a magnetic strip on the identification card upon insertion of the card into the ATM.
  • Display 110 and keyboard 120 in combination function as input/output means 105.
  • Display 110 and keyboard 120 may be constructed of a cathode ray tube and mechanical keys, respectively.
  • display 110 and keyboard 120 may be replaced with a touch sensitive screen.
  • Printer 140 is comprised of document printer 142 and internal printer 145.
  • Document printer 142 provides the user of ATM 100 with a record of the transaction that has occurred by printing on paper received from receipt feed 143.
  • document printer 142 also prints checks (as more clearly described below) by printing on paper (e.g., check paper) received from check feed 144.
  • checks are printed separately from optional check printer 170.
  • Internal printer 145 maintains an internal record of all transactions which have occurred on ATM 100.
  • Cash dispenser 160 pays money in notes.
  • Controller 1 of ATM 100 may be provided with a compression/ expansion circuit 8 for data expansion with memory 8.
  • Magnetic stripe data read by magnetic reader 130a is stored in memory 8 and may be compressed, if desired, for subsequent expansion by expansion circuit 9 before being received by controller 1 for later use.
  • ATM 100 may be connected to a central computer (not shown) via line control unit 19.
  • the connection between the central computer and line control unit 19 may be a telephone line.
  • Line control unit 19 may thus include a modem for accomplishing communication.
  • the central computer may include such information as past transaction history, account numbers, account balances, funds availability, account numbers for stolen identification cards, etc.
  • the central computer may also be operated by a financial institution and may receive instructions relating to, for example, the transfer of funds from the user's bank account to the bill payee's account.
  • the central computer may also manage funds for several financial institutions.
  • Transaction data is thus transferred between line control unit 19 and the central computer. The data can either be transferred each time a transaction occurs or in batch form.
  • Supervisory line control unit 18 is also coupled to controller 1 for communicating with a supervisor center.
  • the supervisor center communicates with ATM 100 for monitoring individual transactions and for receiving indications of transaction failures (a questionable identification card, occurrence of a jam, etc.). Because the connection between the supervisor center and supervisory line control unit 18 may also be by telephone, supervisory line control unit 18 may also include a modem for accomplishing communication.
  • the central computer may also be located at the supervisor center and ATM 100 may communicate with both using a multi-channel communications connection.
  • ATM 100 as shown in Figure 2 differs from other ATMs known in the art in that ATM 100 includes or is coupled to Bill Paying Machine (BPM) 150.
  • BPM Bill Paying Machine
  • Figure 3 is a perspective drawing of bill paying machine 150 and Figure 4 is a block diagram of BPM 150.
  • Bill paying machine may include optional external casing 152. Opening 155 is also included for receiving the bill.
  • Scanner 156 is situated above the bill.
  • scanner 156 may be a bar code scanner.
  • Bar code scanners are well known in the art and are manufactured, for example, by Symbol Technologies, Inc., New York.
  • Printer 154 e.g., a laser printer
  • Printer 154 may be used for printing the results of the transaction directly on the bill.
  • a customer receives a financial transaction document such as a bill and wishes to pay this bill using BPM 150.
  • BPM 150 then obtains information from the bill so that the bill may be paid.
  • An exemplary bill suitable for use with BPM 150 is shown in Figure 5.
  • bill 500 includes bar code 520.
  • bar code 520 is situated within a predetermined sector on bill 500 to facilitate bar code scanning.
  • Bar code 520 may be used for representing financial transaction or billing data such as invoice number, account number, financial transaction (bill) amount, vendor identification (i.e. an identification number which uniquely identifies the bill payee and an identification number which uniquely identifies the financial institution which will receive the bill payee's payments), and due date.
  • Bar codes can be included with numerous types of documents where payment is required, such as bills, payment books, tax notices, and lease documents. Thus, many kinds of payments can be made in accordance with the present invention.
  • An optional field 510 is provided in which the results of the transaction are printed.
  • Bill 500 is inserted into slot 155 of BPM 150 so that bar code 520, for example, may be scanned.
  • the billing data retrieved from bar code 520 may be used to determine the bill payee.
  • screen 110 the user is then asked if he wishes to pay all or part of bill 500. If the user answers in the affirmative, the central computer receives authorization to pay the bill.
  • the user's financial institution (or a financial institution which manages funds for the user's financial institution) may then receive instructions from the central computer to transfer the appropriate funds from the user's account to the bill payee's account within the financial institution identified by bar code 520.
  • BPM 150 is coupled to controller 1 using a simple I/O card.
  • Controller 1 (as in many ATMs) resembles a personal computer. As such, controller 1 includes slots which are filled with I/O boards (to communicate, for example with display 110, keyboard 120, magnetic reader 130a, cash dispenser 160, etc.) and slots which are empty and which can receive I/O boards. One such slot can be used to receive an I/O board for communicating with BPM 150.
  • FIG. 6 is a flowchart diagram which illustrates operation of an exemplary embodiment of the present invention.
  • ATM 100 is provided with the user's identification. This may comprise, for example, inserting an identification card (not shown) into card reader 130a. Alternative forms of identification (e.g., fingerprint detection, retinal or iris scanning, voice recognition, etc.) may also be used.
  • ATM 100 provides the user with a request, via display 110, to enter an identification code. This may be accomplished, for example, by entering a code using keypad 120.
  • the user is offered various options for proceeding at step 630. This may be accomplished, for example, by displaying a menu on display 110. The user selects the appropriate choice.
  • these choices may include "make a deposit”, “make a withdrawal”, "pay a bill” and "print a check”.
  • the "pay a bill” option has been selected, then at step 650, the user is prompted to insert the bill into opening 155 and bar code 520 is scanned.
  • Bill 500 is desirably entered into opening 155 so that scanner 156 can scan bar code 520. Otherwise, processing proceeds to step 705 in Figure 7 via offpage connector A.
  • step 620 in an alternative embodiment of the present invention, after the identification code is received (or after the user's identification is received if no identification code is required), a message is displayed on display 110 telling the user to insert a bill in opening 155 if bill payment is required.
  • step 635 if scanner 156 (or some other type of object detector) detects a bill in opening 155, then processing proceeds to step 650 where bill scanning occurs. Otherwise, processing proceeds to step 630 as explained above.
  • bar code scanning is accomplished by scanner 156. If bar code scanning methodology is being used, then bar code 520 is desirably placed at an appropriate location on the bill so that bar code scanner 156 can indeed scan the bar code. It is understood to one of ordinary skill in the art that other forms of data input (e.g., character recognition) may be used to obtain the billing data from the bill.
  • forms of data input e.g., character recognition
  • step 660 the user is asked whether he wishes to pay the bill. This may be accomplished by providing an appropriate message on display 110.
  • An exemplary message would be:
  • DUE IS $57.81. IF YOU WISH TO PAY $57.81 , PRESS [YES], IF NOT, ENTER THE AMOUNT YOU WISH TO PAY AND PRESS [ENTER].
  • the user indicates that the bill (or some other amount, e.g., a portion thereof or more than the bill total) is to be paid.
  • the user may respond, for example, by pressing a YES key on keyboard 120 in response to the query set forth above.
  • the ATM transmits an appropriate signal to the central computer via line control unit 19 to pay the bill for the amount indicated.
  • the user's financial institution or a financial institution which is managing the account for the user's financial institution receives instructions from the central computer that the amount of the bill from the users checking account is to be withdrawn. Assuming the user's account has sufficient funds for this withdrawal, this amount is then electronically transferred to the bill payee's financial institution (by either the central computer, the user's financial institution or the financial institution which is managing the account for the user's financial institution) along with the information required to identify the bill payee's account and to identify the bill which is being satisfied by this electronic transfer.
  • bill payment machine 150 may optionally include a printer (e.g., a laser printer) 154.
  • Printer 154 may print a confirmation message that the bill has been paid in a predetermined location 510 on the bill 500 as shown in Figure 5.
  • the bill is scanned for a blank location (i.e. a location where text does not appear) and the confirmation message is printed at that location.
  • ATM 100 may also provide a printed confirmation that the bill has been paid using printer 140 which is included in ATM 100.
  • a message confirming payment of the bill may also occur on display 110.
  • the confirmation message is desirably provided after the central computer (or the user's financial institution via the central computer) has been signaled to perform the transaction and the central computer signals back to ATM 100 that sufficient funds are available to complete the transaction.
  • processing proceeds to just prior to step 630 where, depending upon the embodiment that has been implemented, the user is provided with further options or, at step 632, the user is given the option to insert an additional bill into opening 155.
  • FIG. 6 An alternative embodiment of the present invention is accomplished by proceeding to Figure 7 via offpage connector A.
  • the ability to dispense checks is provided.
  • one of the options which may be offered to the user is the option to print a check.
  • the user may also be offered the option of printing several types of checks, including the following:
  • Blank Payee Check This is a check which is printed with a monetary amount selected by the customer. A blank space is allocated on the check so that the payee's name may be written in by hand.
  • Preprinted Payee Check This is a check in which again, the monetary amount has been printed on the check. Also, the name of the payee has been preprinted on the check. This may be accomplished, for example, using an alpha-numeric input device such as a keyboard (not shown).
  • Traveler's Check This is a check which may be received by anyone.
  • the user requesting the check signs the check one time after the check has been dispensed by BPM 150 and an additional time when the check is given to a merchant.
  • the user may sign the check or the user's signature (or some other authorizing signature) may be printed on the check using, for example, laser printing technology.
  • any of the checks specified above may have an appearance similar to a personal check or an appearance similar to a bank (or certificed or cashier) check.
  • step 705 if the "print check" feature has not been selected by the user, then processing proceeds to step 710 to perform the alternative user requested function (withdraw, deposit, etc.). Otherwise, at step 705, if the "print check" feature has been selected, then processing proceeds to step 715.
  • step 715 the user is requested to enter the amount (i.e., the value) of the check. This request may be made, for example, via display 110.
  • processing proceeds to step 725.
  • step 725 ATM 100 transmits a signal to the central computer to release the funds which correspond to the amount of the check.
  • processing proceeds from step 715 to step 720 where the user is requested to select either a blank payee check, a preprinted payee check, or a Traveler's Check.
  • the user may be given this request at step 720 if the request is not included with the other requests at step 630.
  • processing proceeds to step 725 so that the financial institution which is managing the account can be signaled to release the funds corresponding to the amount of the check.
  • a check is printed and is dispensed to the user for the user's personal use. In one embodiment illustrated by Figure 2, this check is generated by providing check paper from check feed 144 to document printer 142 for subsequent printing of the check. In another embodiment illustrated by Figure 2, a separate check printer 170 receives the check paper and prints the check. In either embodiment, a copy of the check may also be printed and provided to the user for record keeping purposes.
  • FIG. 8 A further exemplary embodiment of the present invention is shown in Figure 8.
  • BPM 150 is not connected to controller 1.
  • controller 1 may be unable to communicate with additional I/O boards, it may be undesirable to connect BPM 150 directly to controller 1.
  • BPM 150 has been connected to line control unit 19.
  • controller 1 communicates with BPM 150 through line control unit 19.
  • line control unit 19 was described as including a modem for communicating with the central computer.
  • a multi-drop modem may be required since BPM 150 and the central computer both communicate with line control unit 19 over the same telephone line.
  • BPM 150 would appear to be identical as in the previously described embodiment of the present invention.
  • a separate check printer 170 may also be included in BPM 150. Because BPM 150 is connected to the telephone line, however, BPM 150 would desirably include a modem for communicating with line control unit 19. In this embodiment , BPM 150 or ATM 100 may transmit the signal to the central computer authorizing the release of funds. Also in this embodiment, a check printer is optionally included in BPM 150. Check printer 170 may be available to print and dispense checks.
  • the embodiment shown in Figure 8 may be suitable for an implementation of the present invention in which the ATM machine and the BPM machine are separate physical units. Thus, the embodiment shown in Figure 8 may be particularly useful when the BPM is used with a pre-existing ATM (with modified software).
  • the embodiment shown in Figure 2 may be suitable for an implementation of the present invention in which the ATM machine and the BPM machine are combined into a single integrated unit to result in an ATM machine which includes a BPM machine.
  • the embodiment shown in Figure 2 may be particularly useful when it is desired to install a new ATM with bill payment and/or check printing abilities.
  • the above description has described the release of funds from a user's account.
  • This account may be, for example, a debit account such as a checking account where the user has a positive balance in this account and the value of the account is decremented as funds are released (i.e., transferred away from) the account.
  • a credit account may also be used. Thus, the funds may be released on credit. The user may thus periodically receive a statement indicating the total amount of funds which have been released by the financial institution. The user is then expected to repay the financial institution for what is, in effect, a loan.
  • the present invention offers numerous advantages over the present method of satisfying a bill by mailing a check to the bill payer through the Postal Service.
  • the user saves money because postage is not required.
  • many checking accounts have a per check charge.
  • the system can be used 24 hours a day, 7 days a week (subject to ATM availability).
  • the user has a printed receipt proving that the bill has been paid.
  • the bill payee e.g., the electric company
  • the bill payee has to wait for the Postal Service to deliver the check and for the check to clear so that they can receive their money.
  • the present invention everything is done electronically, instantaneously, or within a matter of hours if batch processing is used. All administrative work is automated. Furthermore, a transaction conducted using the present invention cannot bounce like a check. If there are insufficient funds in the user's checking account to complete the transaction, the financial institution is not signaled to complete the transaction and the user may be provided a message (via display 110) to this effect. Finally, the financial institution saves the costs involved in not processing a check. Furthermore, the financial institution can charge the bill payer (or bill payee, or both) a nominal sum for electronically processing the payment.
  • the billing paying function (where bills are scanned) may be implemented without the check printing function, the check printing function may be implemented without the bill paying function, or the bill paying function and the check printing function may be both implemented. While preferred embodiments of the invention have been shown and described herein, it will be understood that such embodiments are provided by way of example only. Numerous variations, changes and substitutions will occur to those skilled in the art without departing from the spirit of the invention. Accordingly, it is intended that the appended claims cover all such variations as fall within the spirit and scope of the invention.

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

La présente invention concerne un guichet automatique bancaire (100) ou 'GAB' permettant le règlement électronique de factures et la production de chèques, le GAB prenant en compte des informations d'identification que lui fournit l'utilisateur. Le GAB recherche par lecture optique dans la facture (500) le numéro d'identification de la facture, le bénéficiaire de la facture et le montant de la facture. L'utilisateur reçoit une demande de paiement d'au moins une partie du montant de la facture. Le GAB (100) reçoit l'autorisation de régler au moins partiellement le montant de la facture, et demande à une institution financière de régler la facture dans les limites définies. Selon une autre réalisation, le GAB reçoit des instructions de production de chèque, à la suite de quoi il génère des signaux demandant la mise à disposition de la contre-valeur correspondant à la valeur du chèque, puis il imprime et produit le chèque.
PCT/US1997/014048 1996-08-09 1997-08-08 Machine de gestion de transaction a documents de transactions financieres WO1998007119A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US69453996A 1996-08-09 1996-08-09
US08/694,539 1996-08-09

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WO1998007119A3 WO1998007119A3 (fr) 1998-03-19

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1087349A3 (fr) * 1999-09-27 2001-05-16 The Industrial Bank of Japan, Limited Méthode, centre, terminal, système de transactions électroniques
US6304860B1 (en) * 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
EP0992960A3 (fr) * 1998-10-06 2002-08-21 The Sumitomo Bank, Limited Système de tranfert, méthode et moyen d'enregistrement associé
EP1035461A3 (fr) * 1999-03-11 2004-04-14 BDC - EDV Consulting GmbH Terminal pour confirmation sécurisée de données et méthode correspondante
EP1095350A4 (fr) * 1998-07-10 2004-12-08 Capital Security Systems Inc Systeme automatise d'encaissement de documents
US7653600B2 (en) 1997-05-30 2010-01-26 Capital Security Systems, Inc. Automated document cashing system
US7702579B2 (en) 2000-12-19 2010-04-20 Emergis Technologies, Inc. Interactive invoicer interface

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Publication number Priority date Publication date Assignee Title
FR2508678A2 (fr) * 1979-11-09 1982-12-31 Widmer Michel Procede et dispositif integre de saisie, de traitement et de controle sur le lieu d'une transaction de tous titres de paiement tels que cheques, cartes magnetiques et cartes a memoire
CA1230423A (fr) * 1982-11-22 1987-12-15 M. Dan Siler, Iii Methode et dispositif d'impression de cheques
JPH0797385B2 (ja) * 1986-06-25 1995-10-18 株式会社日立製作所 伝票処理システム
US5023782A (en) * 1990-03-26 1991-06-11 Mastercard International Inc. Travelers cheque transaction terminal
GB9313640D0 (en) * 1993-07-01 1993-08-18 Ncr Int Inc Document transaction apparatus
US5616902A (en) * 1994-09-12 1997-04-01 Lottery Enterprises Inc. Bill pay system and method

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7653600B2 (en) 1997-05-30 2010-01-26 Capital Security Systems, Inc. Automated document cashing system
US6304860B1 (en) * 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
EP1095350A4 (fr) * 1998-07-10 2004-12-08 Capital Security Systems Inc Systeme automatise d'encaissement de documents
EP0992960A3 (fr) * 1998-10-06 2002-08-21 The Sumitomo Bank, Limited Système de tranfert, méthode et moyen d'enregistrement associé
EP1035461A3 (fr) * 1999-03-11 2004-04-14 BDC - EDV Consulting GmbH Terminal pour confirmation sécurisée de données et méthode correspondante
EP1087349A3 (fr) * 1999-09-27 2001-05-16 The Industrial Bank of Japan, Limited Méthode, centre, terminal, système de transactions électroniques
US7702579B2 (en) 2000-12-19 2010-04-20 Emergis Technologies, Inc. Interactive invoicer interface

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