G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 20/28 (2012.01) G06Q 40/02 (2012.01)
Patent
CA 2478343
A system (800) is provided for establishing accounts (806) which can be remotely accessed by account holders to obtain access to account funds through the issuance of negotiable instruments (801) made payable to the account holder. The negotiable instruments (801) are issued through a dispensing station (810). The account holder enters its account number and an amount requested into the dispensing station (810). The dispensing station (810) communicates with an customer account server (804) to verify sufficient funds in the account (806) to cover the requested amount and transaction fees. Upon such verification, the dispensing station (810) prints a negotiable instrument (801) made payable to the account holder in the amount requested, and the amount requested is debited from the account (806). The negotiable instrument (801) can then be converted to cash. Use of a personal identification number is not required. Security is provided by requiring verification of the identification of the person presenting the negotiable instrument (801) for cashing.
L'invention concerne un système (800) pour l'établissement de comptes (806), accessibles à distance par les titulaires de compte, aux fins d'accès à des fonds sur compte, qui consiste à délivrer des instruments négociables (801) payables aux titulaires en question. Ces instruments (801) sont émis par une station source (810). Le titulaire introduit dans la station (810) son numéro de compte et une somme requise. La station (810) se connecte à un serveur de compte client (804) pour vérifier la présence de solde suffisant sur le compte (806), afin de couvrir la somme requise et les frais de transaction. Après vérification, la station (810) imprime un instrument négociable (801) payable au titulaire à hauteur du montant prévu, qui est débité sur le compte (806). L'instrument négociable (801) peut ensuite être converti en espèces. Aucun numéro d'identification personnel n'est requis. La sécurité est assurée par la vérification de l'identité de la personne qui présente l'instrument négociable (801), aux fins de conversion en espèces.
Bennett Jones Llp
First Data Corporation
The Western Union Company
LandOfFree
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