WO1999018549A3 - Negotiable instrument requesting and dispensing system and method - Google Patents

Negotiable instrument requesting and dispensing system and method Download PDF

Info

Publication number
WO1999018549A3
WO1999018549A3 PCT/US1998/019681 US9819681W WO9918549A3 WO 1999018549 A3 WO1999018549 A3 WO 1999018549A3 US 9819681 W US9819681 W US 9819681W WO 9918549 A3 WO9918549 A3 WO 9918549A3
Authority
WO
WIPO (PCT)
Prior art keywords
dispenser
bank
computer
links
communication
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/US1998/019681
Other languages
French (fr)
Other versions
WO1999018549A2 (en
Inventor
John C Novogrod
Glenn Kurlander
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Priority claimed from US08/942,957 external-priority patent/US6119931A/en
Priority claimed from US08/943,383 external-priority patent/US5993047A/en
Application filed by Individual filed Critical Individual
Priority to AU95732/98A priority Critical patent/AU9573298A/en
Priority to IL13536298A priority patent/IL135362A0/en
Priority to JP2000515260A priority patent/JP2001519576A/en
Priority to CA002305778A priority patent/CA2305778A1/en
Priority to EP98949401A priority patent/EP1042742A2/en
Publication of WO1999018549A2 publication Critical patent/WO1999018549A2/en
Publication of WO1999018549A3 publication Critical patent/WO1999018549A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • 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]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • 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]
    • G07F19/203—Dispensing operations within ATMs

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Telephonic Communication Services (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention provides a system and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler's checks. An instrument may be requested in this system and method by a bank customer from a telephone, a computer, a fixed-location dispenser, or a portable, hand-held dispenser that is in communication with a bank computer. This request may be made orally, using touch tones, or using data transmission over a communication network that may include telephone lines, two-way radio links, microwave links, satellite links, cellular telephone links, computer networks, and the Internet. After a request is processed and approved, the requested instrument may then be dispensed at any time in this system and method to the bank customer or another party from any receive-only dispenser, fixed-location dispenser, or portable, hand-held dispenser that is also in communication with the bank computer.
PCT/US1998/019681 1997-10-02 1998-09-22 Negotiable instrument requesting and dispensing system and method Ceased WO1999018549A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
AU95732/98A AU9573298A (en) 1997-10-02 1998-09-22 Negotiable instrument requesting and dispensing system and method
IL13536298A IL135362A0 (en) 1997-10-02 1998-09-22 Negotiable instrument requesting and dispensing system and method
JP2000515260A JP2001519576A (en) 1997-10-02 1998-09-22 System and method for requesting and distributing negotiable instruments
CA002305778A CA2305778A1 (en) 1997-10-02 1998-09-22 Negotiable instrument requesting and dispensing system and method
EP98949401A EP1042742A2 (en) 1997-10-02 1998-09-22 Negotiable instrument requesting and dispensing system and method

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US08/942,957 1997-10-02
US08/942,957 US6119931A (en) 1997-10-02 1997-10-02 System and method for requesting and dispensing negotiable instruments
US08/943,383 US5993047A (en) 1997-10-02 1997-10-02 Apparatus and method for requesting and dispensing negotiable instruments
US08/943,383 1997-10-02

Publications (2)

Publication Number Publication Date
WO1999018549A2 WO1999018549A2 (en) 1999-04-15
WO1999018549A3 true WO1999018549A3 (en) 1999-09-16

Family

ID=27130174

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1998/019681 Ceased WO1999018549A2 (en) 1997-10-02 1998-09-22 Negotiable instrument requesting and dispensing system and method

Country Status (8)

Country Link
EP (1) EP1042742A2 (en)
JP (1) JP2001519576A (en)
CN (1) CN1277700A (en)
AU (1) AU9573298A (en)
CA (1) CA2305778A1 (en)
IL (1) IL135362A0 (en)
TW (1) TW414877B (en)
WO (1) WO1999018549A2 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000075886A1 (en) * 1999-06-04 2000-12-14 Novogrod John C Systems and methods for requesting and dispensing negotiable instruments
US6938013B1 (en) 2000-01-05 2005-08-30 Uniteller Financial Services, Inc. Money-transfer techniques
US7720754B1 (en) 2000-01-05 2010-05-18 Uniteller Financial Services, Inc. Money-transfer techniques
US7870065B2 (en) * 2000-01-05 2011-01-11 Uniteller Financial Services, Inc. Money-transfer techniques
JP2002073979A (en) * 2000-08-24 2002-03-12 Hidekatsu Ukiyuuden Card issue requesting device and card database management device
CA2993249C (en) * 2015-07-21 2023-01-17 10353744 Canada Ltd. Method and system for changing certificate issuing bank of electronic certificate

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4053735A (en) * 1975-08-07 1977-10-11 Foudos James N Assured-check computer-based bank credit disbursing system
US4630201A (en) * 1984-02-14 1986-12-16 International Security Note & Computer Corporation On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
US4918723A (en) * 1988-10-07 1990-04-17 Jerry R. Iggulden Keyboard to facsimile machine transmission system
WO1993009506A1 (en) * 1991-10-30 1993-05-13 Computer Based Controls, Inc. Financial document dispensing apparatus and method
US5570465A (en) * 1993-07-22 1996-10-29 Tsakanikas; Peter J. Apparatus, method and system for printing of legal currency and negotiable instruments
WO1996038801A1 (en) * 1995-06-01 1996-12-05 American Express Trs Methods and apparatus for providing a prepaid, remote entry customer account
US5787405A (en) * 1994-09-29 1998-07-28 Ffp Financial Services, L.P. Method and system for creating financial instruments at a plurality of remote locations which are controlled by a central office

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4053735A (en) * 1975-08-07 1977-10-11 Foudos James N Assured-check computer-based bank credit disbursing system
US4630201A (en) * 1984-02-14 1986-12-16 International Security Note & Computer Corporation On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
US4918723A (en) * 1988-10-07 1990-04-17 Jerry R. Iggulden Keyboard to facsimile machine transmission system
WO1993009506A1 (en) * 1991-10-30 1993-05-13 Computer Based Controls, Inc. Financial document dispensing apparatus and method
US5570465A (en) * 1993-07-22 1996-10-29 Tsakanikas; Peter J. Apparatus, method and system for printing of legal currency and negotiable instruments
US5787405A (en) * 1994-09-29 1998-07-28 Ffp Financial Services, L.P. Method and system for creating financial instruments at a plurality of remote locations which are controlled by a central office
WO1996038801A1 (en) * 1995-06-01 1996-12-05 American Express Trs Methods and apparatus for providing a prepaid, remote entry customer account

Also Published As

Publication number Publication date
TW414877B (en) 2000-12-11
WO1999018549A2 (en) 1999-04-15
CN1277700A (en) 2000-12-20
EP1042742A2 (en) 2000-10-11
IL135362A0 (en) 2001-05-20
CA2305778A1 (en) 1999-04-15
AU9573298A (en) 1999-04-27
JP2001519576A (en) 2001-10-23

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