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WO1998007119A3 - Method and transaction machine for managing payments by means of financial documents - Google Patents

Method and transaction machine for managing payments by means of financial documents Download PDF

Info

Publication number
WO1998007119A3
WO1998007119A3 PCT/US1997/014048 US9714048W WO9807119A3 WO 1998007119 A3 WO1998007119 A3 WO 1998007119A3 US 9714048 W US9714048 W US 9714048W WO 9807119 A3 WO9807119 A3 WO 9807119A3
Authority
WO
WIPO (PCT)
Prior art keywords
bill
pay
check
teller machine
automated teller
Prior art date
Application number
PCT/US1997/014048
Other languages
French (fr)
Other versions
WO1998007119A2 (en
Inventor
Cosmo Mark Barone
Original Assignee
Unisys Corp
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 Corp filed Critical Unisys Corp
Publication of WO1998007119A2 publication Critical patent/WO1998007119A2/en
Publication of WO1998007119A3 publication Critical patent/WO1998007119A3/en

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
    • G07F7/04—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]

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Bills are paid electronically or checks may be dispensed from an automated teller machine (100). Identification information is received from the user of the ATM. A bill (500) is scanned to obtain any of a bill identification number, a bill payee, and a bill amount. The user is provided with a request to pay at least a portion of the bill. The automated teller machine (100) receives authorization to pay at least a portion of the bill amount and a financial institution is signaled to pay the bill accordingly. Alternatively, the automated teller machine receives instructions to dispense a check, generates signals which indicate that funds corresponding to the value of the check are to be released and prints and dispenses the check.
PCT/US1997/014048 1996-08-09 1997-08-08 Method and transaction machine for managing payments by means of financial documents WO1998007119A2 (en)

Applications Claiming Priority (2)

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

Publications (2)

Publication Number Publication Date
WO1998007119A2 WO1998007119A2 (en) 1998-02-19
WO1998007119A3 true WO1998007119A3 (en) 1998-03-19

Family

ID=24789252

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/014048 WO1998007119A2 (en) 1996-08-09 1997-08-08 Method and transaction machine for managing payments by means of financial documents

Country Status (1)

Country Link
WO (1) WO1998007119A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8899476B2 (en) 1997-05-30 2014-12-02 Capital Security Systems, Inc. Automated document cashing system

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6304860B1 (en) * 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
WO2000005667A2 (en) * 1998-07-10 2000-02-03 Capital Security Systems, Inc. Automated document cashing system
EP0992960A3 (en) * 1998-10-06 2002-08-21 The Sumitomo Bank, Limited Transfer system, method, and recording medium therefor
EP1035461A3 (en) * 1999-03-11 2004-04-14 BDC - EDV Consulting GmbH Terminal for secure data confirmation and corresponding method
JP3654801B2 (en) * 1999-09-27 2005-06-02 株式会社みずほコーポレート銀行 Electronic trading method and electronic trading system
US7702579B2 (en) 2000-12-19 2010-04-20 Emergis Technologies, Inc. Interactive invoicer interface

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2508678A2 (en) * 1979-11-09 1982-12-31 Widmer Michel Funds transfer data acquisition and processing method e.g. for shops - involves interrogation of local auxiliary data memory for regular updating at central file
WO1984002212A1 (en) * 1982-11-22 1984-06-07 Siler M Dan 3Rd Check verifying and printing terminal
US4758713A (en) * 1986-06-25 1988-07-19 Hitachi, Ltd. Banking terminal equipment
US5023782A (en) * 1990-03-26 1991-06-11 Mastercard International Inc. Travelers cheque transaction terminal
EP0632415A1 (en) * 1993-07-01 1995-01-04 NCR International, Inc. Document transaction apparatus
WO1996008797A1 (en) * 1994-09-12 1996-03-21 Lottery Enterprises, Inc. Bill pay system and method

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2508678A2 (en) * 1979-11-09 1982-12-31 Widmer Michel Funds transfer data acquisition and processing method e.g. for shops - involves interrogation of local auxiliary data memory for regular updating at central file
WO1984002212A1 (en) * 1982-11-22 1984-06-07 Siler M Dan 3Rd Check verifying and printing terminal
US4758713A (en) * 1986-06-25 1988-07-19 Hitachi, Ltd. Banking terminal equipment
US5023782A (en) * 1990-03-26 1991-06-11 Mastercard International Inc. Travelers cheque transaction terminal
EP0632415A1 (en) * 1993-07-01 1995-01-04 NCR International, Inc. Document transaction apparatus
WO1996008797A1 (en) * 1994-09-12 1996-03-21 Lottery Enterprises, Inc. Bill pay system and method

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
ANONYMOUS: "Bill Payment Transfer System. October 1976.", IBM TECHNICAL DISCLOSURE BULLETIN, vol. 19, no. 5, October 1976 (1976-10-01), NEW YORK, US, pages 1917 - 1919, XP002052866 *
JACKEL L D ET AL: "OPTICAL CHARACTER RECOGNITION FOR SELF-SERVICE BANKING", AT & T TECHNICAL JOURNAL, vol. 74, no. 4, July 1995 (1995-07-01), pages 16 - 24, XP000517576 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8899476B2 (en) 1997-05-30 2014-12-02 Capital Security Systems, Inc. Automated document cashing system

Also Published As

Publication number Publication date
WO1998007119A2 (en) 1998-02-19

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