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WO1998007119A3 - Machine de gestion de transaction a documents de transactions financieres - Google Patents

Machine de gestion de transaction a documents de transactions financieres 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
English (en)
Other versions
WO1998007119A2 (fr
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/fr
Publication of WO1998007119A3 publication Critical patent/WO1998007119A3/fr

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)
  • 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)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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

Publications (2)

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

Family

ID=24789252

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/014048 WO1998007119A2 (fr) 1996-08-09 1997-08-08 Machine de gestion de transaction a documents de transactions financieres

Country Status (1)

Country Link
WO (1) WO1998007119A2 (fr)

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
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
JP3654801B2 (ja) * 1999-09-27 2005-06-02 株式会社みずほコーポレート銀行 電子取引方法および電子取引システム
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 (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
WO1984002212A1 (fr) * 1982-11-22 1984-06-07 Siler M Dan 3Rd Terminal d'impression et de verification de cheques
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 (fr) * 1993-07-01 1995-01-04 NCR International, Inc. Appareil pour transactions avec documents
WO1996008797A1 (fr) * 1994-09-12 1996-03-21 Lottery Enterprises, Inc. Systeme et methode de reglement de facture

Patent Citations (6)

* Cited by examiner, † Cited by third party
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
WO1984002212A1 (fr) * 1982-11-22 1984-06-07 Siler M Dan 3Rd Terminal d'impression et de verification de cheques
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 (fr) * 1993-07-01 1995-01-04 NCR International, Inc. Appareil pour transactions avec documents
WO1996008797A1 (fr) * 1994-09-12 1996-03-21 Lottery Enterprises, Inc. Systeme et methode de reglement de facture

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 (fr) 1998-02-19

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