Method for obtaining cash at cardless teller machines, using...

Details Method for obtaining cash at cardless teller machines, using... Method for obtaining cash at cardless teller machines, using...

G - Physics

06

Q

G06Q 20/00 (2006.01) G07F 19/00 (2006.01)

Patent

CA 2612618

The invention concerns a method for obtaining cash at teller machines wherein an action of the payment beneficiary, of a card, of an account or of any other instrument to obtain cash is not required, and this without requiring any transfer of funds to be carried out. The method provides for obtaining cash through a payment order via SMS, enabling the instruction ordered, through a mobile telephone, a certain amount of money to be paid to a third party who, through the information received on his mobile telephone, may obtain said amount at any enabled teller machine, provided with a security means of a code or an exclusive PIN code for each effective payment operation, and solely known to the person issuing the instruction and to the beneficiary. The payment method via SMS of the present invention is more particularly applicable to already existing teller machines and services.

L'invention concerne un procédé permettant d'obtenir de l'argent liquide à des guichets dans lequel le travail du bénéficiaire du paiement, d'une carte, d'un compte ou de n'importe quel autre instrument en vue d'obtenir de l'argent liquide n'est pas nécessaire, et sans qu'aucun transfert de fonds ne doive être effectué. Le procédé prévoit l'obtention d'argent liquide par le biais d'un ordre de paiements via SMS, permettant que l'ordre ordonné, par le biais d'un téléphone mobile, le paiement d'une certaine somme d'argent à une tierce personne qui, grâce à l'information reçue sur son téléphone mobile, peut obtenir cette somme à un guichet quelconque y étant habilité, disposant comme moyen de sécurité d'un code ou d'un numéro d'identification personnelle (NIP) exclusif pour chaque opération de paiement concrète, et connu uniquement par la personne donnant l'ordre et par le bénéficiaire. Le procédé de paiement via SMS de cette invention est plus particulièrement applicable aux réseaux de guichets et de services déjà existants.

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