System and method for electronic transfer of funds using an...

G - Physics – 07 – F

Patent

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G07F 19/00 (2006.01) G06Q 20/00 (2006.01) G07F 7/00 (2006.01)

Patent

CA 2209243

A system and method for fully automated electronic transfer of cash or cash equivalent between a sender and a recipient is shown, including an initiating terminal for receiving a designation of an amount of money to be electronically transferred, an account from which it is to be transferred, and a security code from the sender, a central terminal for storing the amount and the security code in a file in the central terminal, and a dispensing terminal for receiving from the recipient an entry corresponding to the designated amount of money to be transferred and the security code, for providing the entered amount of money and security code to the central terminal for comparison with the information stored in the central terminal's file and for dispensing to the recipient funds equivalent to the designated amount of money without requiring the recipient to have a card to activate the dispensing terminal.

L'invention décrit un système et un procédé de transfert électronique d'argent liquide ou d'équivalent totalement automatisé entre un expéditeur et un destinataire, comprenant un terminal de lancement destiné à recevoir l'indication d'une somme d'argent à transférer électroniquement, d'un compte duquel la transférer et d'un code de sécurité fourni par l'expéditeur, un central destiné à stocker la somme et le code de sécurité dans un fichier situé dans le central, et un terminal de distribution pour recevoir du destinataire une entrée correspondant à la somme d'argent à transférer et au code indiqués, pour fournir au central la somme d'argent et le code de sécurité introduits afin de les comparer avec les informations stockées dans le fichier du central, et pour distribuer au destinataire les fonds équivalant à la somme d'argent indiquée sans lui demander d'avoir une carte pour mettre en fonction le terminal de distribution.

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