CN1176012A - 用自动出纳机进行电子汇款以便发放所汇现款的系统与方法 - Google Patents

用自动出纳机进行电子汇款以便发放所汇现款的系统与方法 Download PDF

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CN1176012A
CN1176012A CN96192069A CN96192069A CN1176012A CN 1176012 A CN1176012 A CN 1176012A CN 96192069 A CN96192069 A CN 96192069A CN 96192069 A CN96192069 A CN 96192069A CN 1176012 A CN1176012 A CN 1176012A
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N·P·马尔考斯
M·J·布兰特
M·J·罗森维格
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Hewlett Packard Development Co LP
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Abstract

示出了一种在汇款人与收款人之间全自动电子汇款或汇现金等价物的系统和方法,包括:一发起终端,它用于接收从汇款人来的要电子汇出的指定钱数,要从中汇出钱款的帐户以及一保密码;一中央终端,它用于将所述钱数和保密码存储到该中央终端的文件内;以及,一发放终端,它用于从收款人接收与上述要汇的指定钱数及保密码相对应的一项输入,以便将输入的钱数和保密码提供给中央终端并与存储在中央终端的文件内的信息相比较,并且,上述发放终端还用于在不要求收款人用卡去启动该发放终端的情况下向收款人发放等价于上述指定钱数的现款。

Description

用自动出纳机进行电子汇款以便 发放所汇现款的系统与方法
发明背景
发明领域
本发明在总体上涉及到电子汇款,具体地说,本发明涉及到用自动出纳机在发送者与接收者之间进行电子汇款以便发放汇给接收者的现款的系统和方法。
对相关技术的说明
尽管“货币电汇”(money wiring)即将货币从一处快速汇到另一个远距离的地点是100多年前就已开发成功的,但是,现代社会中有时仍有人发现自己在例如紧急情况下需要快速汇出或接收现金。这些人包括从经常改变地址的人到有离家受赡养者的人,因而具有广泛的范围。不管需要快速汇款的理由是什么,快速“电汇”(wire)货币的能力都已经是很普及的了。“货币电汇”或汇款业务的最著名提供者可能是Western Union。
为了汇出货币,客户(以下称为“汇款者”)去代理点交付其数量为要汇出的本金再加上服务费的现金或现金支票,将货币要送达的人的姓名告诉代理人并且得到一张收据。然后,代理人在大多数情况下是用计算机来登录这一项能自动更新Western Union的系统的事务。用Western Union进行汇款的另一种选择是拨打免费的电话号码并向应答的代理人提供上述信息。所要汇出的本金连同附加的服务费则作为现金预付款记到主信用卡上。
专门从事汇款服务的另一家公司是Integrated Payment Systems(IPS),它是First Data公司的一个部门,IPS允许汇款人在任何代理点使用信用卡并且也可以使用现金或现金支票。为了能收到所汇的现款,收款人必须同样去代理点,必须有适当的身份证明(有效驾照或军人身份证),告知钱是从哪里来的、汇款人的姓名以及要收到多少钱。
上述汇款过程有多种缺陷。收款人必须能找到开门营业的-这在夜间很难做到-并且有足够现金去完成这种业务的代理点。如果收款人选择的代理人没有足够的现金,则该代理人会给收款人以一些现金而其余的为支票。这常常否定了首先要寻求现金的出发点,或者,这需要收款人做额外的事情以找到某个能兑换支票的地方。如果汇款人不愿携带所要汇出的现金,则他必须先购买现金支票。如果汇款人没有主信用卡,则尽管他的银行帐户内有足够的现款,他也不可能随时都得到大量的货币。由于所述事务取决于营业代理人的作用,所以会侵害汇款人和收款人双方的隐私权。会因代理人的变更或打印错误而出现耽搁。而且,这种系统是劳动密集型的并且操作成本高。
在努力克服某些上述缺陷的过程中,BayBank(海湾银行)开发了一种允许其客户以电子方式在大多数BayBank户头之间汇出和接收现款的系统。尽管收款人或汇款人不必是BayBank的客户,但他们需在其它“连锁”(分支)银行内具有有效的、可以辨别的银行帐户。BayBank的持卡人可将钱电汇至美国任何地方的收款人银行户头。BayBank汇款人需要的信息仅为收款人的银行号和帐号。自动电汇自动地在BayBank的户头上记入借方并将资金存放到指定的收款人帐户内。BayBank的任一客户也可以接收来自另一银行的资金。汇款人必须是参加BayBank网络的银行的客户,但BayBank的客户可以接收以电子方式存到BayBank帐户内的资金。
上述系统也存在有缺陷。BayBank系统是一个封闭系统并且需要参与者(汇款人和收款人)有BayBank或其附属银行之一的帐户。而且,收款人还要有一个卡以便获取所汇的现款,并且现款从户头汇到户头,而不是直接将现金发放给预定的收款人。
发明概要
鉴于与相关技术有关的上述问题,本发明的一个目的是提供以电子方式汇款的系统与方法,通过它收款人不需要有银行帐户就可接收到汇款。
本发明的另一个目的是提供以电子方式汇款的系统和方法,通过它汇款人和收款人不需共用相同的或任何的金融分支机构。
本发明的再一个目的是提供以电子方式汇款的系统和方法,通过它可不必将钱存入收款人的银行帐户,而是将现金或现金的等价物直接付给指定的收款人。
本发明的又一个目的是提供以电子方式汇款的系统和方法,通过它将现金、现金的等价物或其它预定发放的凭证(例如票证、邮票等)直接给予指定的收款人。
本发明的还一个目的是提供以电子方式汇款的系统和方法,通过它所述系统可使用自动出纳机(以下称为“ATM”)以便发放现款。
本发明的又一个目的是提供以电子方式汇款的系统和方法,其中,收款人不需要有金融卡就可启动ATM或收到现款。
本发明是通过提供一种在汇款人与收款人之间以电子方式汇款的系统和方法来达到上述目的,所述系统和方法包括:一发起终端,它用于接收所要电汇的指定钱数,最好还有用于接收要从中汇出货币的帐户,以及来自汇款人的最好经该发起终端加密的保密码;一中央终端,它用于将所述钱数及加密后的保密码存储在该中央终端的一个文件内;以及一发放终端,它用于从收款人那里接收与所汇出的指定数量的钱款以及保密码相对应的输入,最好用于对所述保密码加密,以便将输入的钱数和加密后的保密码提供给中央终端从而与存储在中央终端的文件内的信息作比较,并且,上述发放终端还用于在不要求收款人有一个卡去启动该发放终端的情况下将与指定钱数相等的现款发放给收款人。
本发明的系统与方法提供了完全以电子方式汇款的装置,从而省去了汇款过程中的第三方营业代理人。通过省去了上述代理人,所述系统可降低固定的操作费用,同时,增强了汇款人/收款人关系的隐私和尊严。利用本发明获得的其它好处包括允许每周7天、每天24小时方便客户地供人们进行汇款。汇款的费用会降低。本发明对那些未加入银行(不是金融机构会员或没有帐户)或有不同于汇款人的金融机构会员资格的收款人员有吸引力。此外,客户会认识到从家里或附近ATM进行汇款的方便性。
本领域的技术人员可从以下连同附图对最佳实施例的详细说明中看出本发明的上述和其它特征和优点。
对附图的简要说明
图1是说明本发明一个实施例的示例性网络的概略图;
图2是本发明一个优选实施例的汇出本金与汇费的概述图;
图3是说明本发明一个优选实施例所进行的事务的发起方的框图;以及
图4是说明本发明一个优选实施例所进行的事务的发放方的框图。
对最佳实施例的详细说明
本发明以电子方式将现款从个人汇至个人,最好是使用ATM以便将现款发放给相应的收款人。因此,本发明可使人们一周7天、一天24小时都能获得现款。利用ATM或家用金融装置,发起者(以下有时称为“汇款人”)可快速地使得使用本发明一部分的ATM的收款人获得现金。
简单地说,发起者最好通过声音响应装置用带有读卡器的按键式电话来利用本发明的系统服务。应该认识到,发起者也可代之以去ATM或用能够获得本发明系统服务的个人计算机。在后一种情况下,发起者最好通过图形用户界面(GUI)与本发明的系统相交互。
不管所选定的输入终端(电话、个人计算机、ATM等)是什么,发起者可用卡去从与该卡相对应的金融帐户中获得存款。所说的卡可以是信用卡、记帐卡、智能(smart)卡或存款卡。应该认识到,如果需要的话,汇款人仍可将现金提供给代理人。这类汇款人可以没有任何金融机构会员资格(以下有时称为“未加入银行”),如不在学校的学生或临时工等。在这种情况下,代理人就好象是“汇款人”那样与本发明的系统相交互。即使在这种情况下,收款人也不需要用卡去启动选定的ATM或者不需要以任何金融机构的会员资格去接收指定的现款。
这时,将所汇的款项保持或预先授权为可用的钱款,并且,还将通常的业务处理费或服务费的数量记入汇款人帐号的借方。每一笔汇款业务都对服务费进行记帐,服务费通常由汇款人支付。依照本发明的优选实施例,本系统向汇款人提供系统所生成的PIN(personal Identificationnumber,个人身份识别号),该PIN作为收款人为获得所汇款项而需要的保密信息的一部分,必须由汇款人传给收款人。
收款人从汇款人获得相应的保密信息,这信息最好是1)汇款人的电话号码、2)汇款的数量以及3)由发起终端分配给汇款人的由系统生成的PIN等,此后,他就去如本文所述那样具有电子汇款能力的ATM。依照本发明的优选实施例以及下面进一步讨论的,所述ATM已加入编好的程序以便在不要求用户用任何类型卡的情况下能接收来自用户的输入。结果,收款人可在不用卡的情况下与ATM交互以启动适当的菜单。收款人按ATM屏幕的要求输入信息,从而,可将现金发放给指定的收款人。
通过将本发明看作两种不同的事务处理可以更好地理解本发明,这两种不同的事务处理在下文中称为发起事务和发放事务,它们在一起组成了所有的事务处理。本领域的普通专业人员将会认识到,对发起事务来说,可将发起终端看作是“发行者”,将伪终端(或中央终端)看作是“获取者”,对发放事务来说,可将伪终端看作是“发行者”,将分发终端看作是“获取者”。最好将发起事务按照包括服务费的提款过程来看待。
在逻辑上可将发起事务看作有三个部分:请求汇款、请求授权以及核准。参照图1,该图是说明本发明一个实施例的示例性网络的概略图。发起事务始于来自发起终端的汇款请求。所述“终端”是汇款人用于形成电子汇款请求的媒介,例如是ATM 110。具有图形用户界面(GUI)的个人计算机115、用电话访问的声音响应装置(VRU)120或具有GUI的可视电话(未具体示出)等。所述GUI最好至少支持Windows,DOS或Macintosh环境。就电话式发起终端而言,汇款人拔号进入声音响应装置(未示出,以下称为“VRU”)VRU会以声音方式提示汇款人,这种揭示和图形用户界面为诸如个人计算机115、可视电话120、电视125或ATM110之类其它类型的发起终端所提供的信息相对应。对于下述说明,除非另有说明,发起终端是ATM110。应该认识到,可代之以使用本文所述的任一发起终端110、115、120、125。
发起终端110最好允许传递带有加密和编码的相关PIN的记帐卡或信用卡信息,以便确保记帐卡或信用卡信息的保密性。这类终端如果不是通常以DES方式保密的ATM、则最好包括能确实对通讯线路上的信息进行加密的装置(未示出)。这种装置附加于电话、可视电话、电视机、个人计算机等之上并且允许从家里或工作地点进行完全的金融事务处理。有若干公司生产可对信息可靠加密的装置,如ised公司等,所以,本文不再对这种装置作进一步的详细说明。
全自动电子汇款系统100还最好包括一调整系统(未示出)。如果汇款人在收款人收到现款之前改变主意,想使其钱款返回,则本系统可在可能不返还任何服务费的情况下进行反向事务处理。
汇款人根据所使用的媒介从屏幕或菜单中选择适当的选项以便与本发明的系统相交互。当汇款人通过发起终端开始与系统100相交互时,他最好被提示性地告知执行预定事务处理要征收的任何服务费。发起终端110最好向汇款人请求特定的信息诸如要汇款的本金数量以及与本事务处理相联系的保密码。所述保密码最好是包括区号在内的电话号码,但也可以是别的唯一的号码,诸如汇款人的社会保险号或汇款人想象出的选定的号码。发起终端110最好对汇款人输入的保密号进行加密。本金的数量和加密后的保密码最好是本发明系统100所使用的密钥的一部分,以便形成系统生成的存取PIN。通过对汇款人的保密号进行加密并在算法中使用该号以形成系统生成的PIN,可以保证事务处理的安全性。由于这个原因,任何观看所述处理的人都不会知道汇款人的保密号,因为保密号是以加密方式而不是以明文方式传递和存储的。当汇款人选择本发明的选项以提交电子汇款时,信息中的网络标识字段被预先填入至少一个唯一的事务以及网络码,因此,发起终端110会在试着比较另一网络上的事务之前先将上述事务传给伪终端140。尽管对本技术的专家来说可以有多种实施方案,但伪终端140最好包括:开关145;在基于Tandem的平台上运行的授权装置150以及挂起的日志文件170,用于关系数据库175和MIS日志文件160的SUN 2000工作站;以及用于脱机(批式)处理和金融记录维护的ESA9000 IBM主机。
发起终端110将接收自汇款人所请求的事务信息传给伪终端140,本发明的系统用上述信息比较整个事务的两个部分。发起终端110向伪终端140发送授权请求,从而进入发起事务处理的下一个阶段。伪终端140的开关145接收输入的金融请求并启动授权装置150。授权装置150则将上述请求传给授权代理人(未示出)。伪终端140最好带有与记帐卡网络和信用卡授权点相连的适当装置以便证实属于要汇款的汇款人的卡及帐户信息。提供给授权代理人的信息中有用于汇款人要汇出的本金数量以及适当的服务费的授权请求。
授权代理人接收来自伪终端140的金融信息并且如果所使用的帐户中存在足够资金或存款的情况下给全部数量的本金和服务费进行事务授权。应该认识到,授权代理人可以是金融机构、发卡者,截取处理器(intercept processor)或者地区/国家网络。本发明的系统最好允许实现按要求定制,以便允许参加的机构能设置它们自己对其客户的核准限制。
由于存在有多种获得授权的周知方式,这些方式中的任何一种都与本发明的系统和方法相兼容,所以,本文不详细地说明授权代理人所使用的实际授权方法。而且,应该认识到,本发明的伪终端140的平台也可以是授权代理人并且在特定金融机构的允许下及在其建立的准则范围内进行授权核准。
一旦授权代理人向伪终端140返回了核准信息,发起事务处理就已进入了授权被核准的阶段。一旦伪终端140收到了核准信息,它就产生一PIN,该PIN被送至发起终端110以便提供给汇款人。上述由系统生成的PIN最好是本发明识别系统100从收款人一方所得的请求的一部分,以便确保在整个事务处理的发放部分过程中确实是向指定的收款人提供现金。具体地说,依照本发明的一个优选实施例,在核准了授权请求之后,伪终端140最好向加密模块155请求一唯一的以DES方式加密的PIN,而加密模块155则根据预定的密钥产生唯一的号码。模块155的一个硬件实例是由Tandam公司的子公司Atalla生产的。应该认识到,号码生成模块155在实现时不一定要用硬件但仍可符合本发明的精神。而且,对本技术的专家来说很明显,也可以在请求发卡人进行核准的同时请求一唯一的PIN。一旦产生了PIN,就将其传给汇款人。PIN最好传递给发起终端110,发起终端110再将PIN传给汇款人。可根据发起终端的限制用多种方法将PIN提供给汇款人:ATM可打印出收据,可将PIN以视频的方式显示在图形用户界面上,或者,也可以借助VRU用电话提供PIN,这里仅列举出几种这样的方法。任何收据都最好由发起终端110提供,以便记录所汇的本金数量、记在汇款人帐上用于事务处理的服务费(如果有这样的服务费的话),以及如果汇款人有要求的话,还记录系统生成的PIN。
参照图2,它是按照本发明一个优选实施例而进行汇出本金和服务费的概略框图。一旦收到了核准信息,那就等于核准了授权请求并反映出发起人事实上有钱可以汇出或者是有将收到预付款以抵付汇款的信用卡帐户,这时伪终端140将会从汇款人帐户210中“提款”。伪终端140将本金记入存款帐户220的贷方以便该款项能在整个汇款事务处理的发放部分中可为ATM230所用。伪终端140还将任何服务费都记入存款帐户240的贷方,所说的服务费由拥有系统负责执行整个汇款事务的单元的部分中按预定基础而确定。服务费的传输最好是批处理的。
正如EFT产业的通常业务实践那样,一旦本系统收到了授权核准信息,相关的金融机构就已经对ATM的拥有者进行偿付,而ATM实际上在向收款人发放现金时以汇款人的名义预付了现款。因此,授权核准是获取机构从发放机构方面取得补偿的保证。为此,本发明的系统即使在从上述机构那里实际获得现款之前也可以完成整个的事务处理。
参照图1,一旦收到了核准信息,就还将发起事务处理的完成情况记录到MIS日志文件和挂起的日志文件170中。伪终端140将所述事务存入关系数据库175;以便于以后作事务查询并为今后对该数据进行研究而长期存储,检索以及提供报告。
伪终端140将所要发放的本金数量记入在发放事务中用于以后和挂起日志文件170相比较的活动。挂起日志文件170最好是联机的,任何特定的事务均应把它的下列三种信息存储在该挂起日志文件中:1)由汇款人提供的加密后的保密码;2)与该特定事务相关的由系统所生成的PIN;以及3)该项事务的本金数量。挂起日志文件170在等待该特定事务完成其后一半时最好是一种保持文件。该文件要受监控一段时间,如有需要还受其它参数监控。如果所述事务的后一半完成不了并且已过了预定的时间,那么,若有服务费,则扣留该服务费,然后,除所付的任何服务费以外,使原有的金额作为返还款或作为存款存入汇款人的卡帐户上,就好象所说的事务处理没有发生过一样。
参照图3,该图是说明本发明一个优选实施例所进行的事务处理发起始方的框图。发起终端110最好请求输入汇款数量(框310)以及输入保密码(框320)。如上所述,保密码可以象汇款人电话号码那样简单,并在起始终端处加密,并以加密状态送至中央终端存储。然后,起始终端110在相应情况下通过刷卡方式(card swipe)请求输入,包括所使用的卡的PIN(框330)。所述划卡信息最好提供给授权装置150以便获得授权核准(框340)。当已确认了上述核准时,伪终端140就把作为框310和320的执行结果而接收到的输入传给加密模块155,以生成一事务PIN。伪终端140将该PIN传给发起终端110,发起终端110则又将该PIN传给汇款人。发起终端110指示汇款人将汇款额、保密码以及PIN提供给预定的收款人(框350),以便他能够接收到所汇的指定现款。伪终端140将所述事务记录成日志以便如本文要进一步说明的那样将来进行事务查询和信息比较(框360)。
如前所述,汇款人可能会改变主意并请求取消所述的事务。如果反向进行所说的事务处理,就返还本金。系统100最好能启动一自动或快速反向处理作为事务处理指令。尽管如此,即使“取消”了所说的事务。本发明一个优选实施例的系统仍为MIS的目的而将该事务写入MIS日志文件160。
第二事务即发放事务在逻辑上也可以看作三个部分:请求授权、核准以及将现款发放给指定的收款人。
收款人,即实际接收挂起日志文件170内被认为是“未付”款的人,不要求有任何金融机构的会员资格。为此,依照本发明的上述优选实施例,发放终端180不要求用卡去启动整个电子汇款事务的发放部分这一半。所述事务的发放终端180是特定的发放装置(最好是ATM),收款人可以使用该装置去获得由汇款人已使之成为可获得的现款。应该注意,发起终端110也可以是用于同一个或不同事务的发放终端180。
在本发明以前,ATM驱动器将ATM设置成读卡(CARD-READ)的初始状态。这种状态下的ATM显示出“欢迎屏幕”(welcomscreen)并等待插入卡以使ATM进入事务处理过程的下一种状态。就本发明而言,ATM驱动器最好在开始时将ATM设置成选择状态(SELECTION-STATE)。这种状态同任何其它的ATM一样显示“欢迎屏幕”。但是,依照本发明,这种ATM是会等待按下一个键以便使ATM进入下一种状态而不是如读卡初始状态时的插卡情况。这时,ATM有两种选项。如果用户按下了对应于银行事务的按钮,即按下了需要卡来启动事务的按钮,那么,ATM就会进入读卡状态并按通常的程序去处理事务。相反,如果用户选择了对应于接收如本发明所述那样的电子汇款的按钮,则ATM会随屏幕流程处理所述事务的发放部分。
这种能力是通过改变装入ATM的程序以指示ATM所支持的初始选择状态而获得。作为另一个优选实施例,可以改变装入ATM的软件以指示ATM支持按键选择或插卡以作为对ATM的容许响应,所说的响应足以使ATM进入下一种相应状态和对应于指定活动的处理流程。换句话说,ATM最好根据“欢迎屏幕”上的卡插入或按下按键都能够启动。
整个事务的发放这一半始于通过发放终端180进行的授权请求。发放终端180可位于包括便民店、杂货店、邮局、金融机构的分支部门、林荫路旁或其它地点在内的任何位置。为了启动ATM180的授权请求,ATM提示收款人提供某些信息以便在挂起日志文件170中进行比较。所述信息最好包括:1)所要发放的本金数量;2)汇款人的保密码(如电话号码)以及3)分配给汇款人的由系统生成的PIN,汇款人已将该PIN传给收款人。同发起终端一样,发放终端180最好对接收到的保密码加密。
一旦输入了上述信息,发放终端180就向伪终端140发信息以请求授权,从而发放所述事务的本金。伪终端140使挂起日志文件170带有发起部分已经完成的所有电子汇款事务的列表。伪终端利用收款人输入的信息去确定正在考虑哪个事务以及是否与已存储在挂起日志文件170内的信息相匹配。授权装置150包括一映射系统(未示出)。
参照图4,该图是说明本发明一个优选实施例所进行的事务处理的发放侧的框图。本发明的系统请求收款人输入预定的钱数(框410)、最好由发放终端180在以后进行加密的指定保密码(框420)以及系统生成的PIN(框430)。然后,将所说的事务传给伪终端140。开关145将该事务看作是带有业务码的提款请求,所述业务码告知伪终端140这是来自一发放终端的请求。
伪终端140启动授权装置150以确定提出请求的收款人是否有权接收特定的现款。然后,授权装置150将收款人输入的包括加密了的保密码在内的信息与通过关系数据库175存储在挂起日志文件170内的信息作比较。
假定没有匹配的情况,伪终端140会传递信息以指示ATM180去请求收款人重新输入信息。一旦重新输入了所说的信息,ATM180再次向伪终端140发送信息以确定匹配。尽管这一循环可按需重复多次,但仅重复三次,然后就指示ATM180结束该事务并返回至选择状态以等待下一介客户。
另一方面,假定伪终端140判断出收款人提供的信息与挂起日志文件170内所列信息存在一个匹配,伪终端140就向发放终端180发送授权核准信息,以指示已核准了授权请求并且指示ATM 180开始发放指定数量现款的过程。伪终端140还将所述事务写入用于结算任何服务费的MIS日志文件160、挂起日志文件170以及关系数据库175中。一旦所述事务与挂起日志文件170相匹配并且发放了现款,则最好从挂起日志文件170中删除对应于所述事务发起部分的信息。这是因为,事务的两部分均已完成。然后,伪终端140最好将事务的完成情况记录至MIS日志文件160和挂起日志文件170内。
即使所汇款的数额例如超过了ATM拥有者制定的每个帐户每次输入的预定发放限制,发放终端180最好也能发放出业已汇出的全部金额。依照本发明的一个优选实施例,存在有一个能使ATM进行多次重复发放的内部装置。应该认识到,ATM在必须进行这种多次重复时最好对收款人来说表现为一个单一的事务处理。例如,假定授权代理人授权将500美元发放给汇款人指定的收款人。ATM被其拥有者限制成每个帐户对每次输入只能发放200美元。依照本发明的优选实施例,ATM通过执行三次发放循环即两次200美元一次100美元来发放授权的500美元。
本技术的专家应该认识到,可从带有自己的发起和发放终端的多个网络访问本发明的伪终端140。由于有这种开放性的结构,所以,一个网络中的ATM例如可将钱汇至不同网络中的ATM,或者,PC发起终端115可将钱汇至不同网络中的ATM等。图1说明了可以按多种结构连接包括地区和国家网络在内的任何数量的网络130以访问伪终端140,从而允许不相关的机构相互作用并共享资源。本技术的专家还应认识到,对于伪终端140的位置而言,上述各种网络130可以是国际网络。本发明的这种特征允许汇款人在其亲属在其它国家旅游或工作的情况下也能快速地将钱交到其亲属手里。
作为另一个优选实施例,发起终端110具有接收现金的能力,所说的现金直接输入到与该发起终端110相连的装置中,其起终端110可确认已输入了多少钱并且继续进行其后的事务处理。在使用这种发起终端时,就可以省去与卡驱动的发起终端有关的对存款的查询核准或对帐户记帐等上述步骤。
应该认识到,本发明还可应用于传递除现金以外的事务。仅作为说明的目的而不是作为限制,上述事务的实例包括:票证,旅行支票,邮票等等。
本技术的专家应该认识到,本说明书仅以列举说明性实例的方式进行的,因而不应看作是如本文所述那样对本发明进行限制。对本技术的专家来说,本发明有多种改进形式和其它实施例。因此,应仅根据下列权利要求来限定本发明。

Claims (54)

1.一种在汇款人与收款人之间进行自动电子汇款的系统,该系统包括:
一发起终端,它用于从汇款人接收要电子汇出的指定钱数以及保密码并且将一唯一的个人识别号提供给汇款人;
一中央终端,它向该发起终端为要交换的各电子汇款事务提供一个用于接收前述钱数和保密码的唯一的个人识别号,并将前述所汇钱数,保密码以及唯一的个人识别号存入其中的一文件内;以及
一发放终端,它用于接收与上述各指定钱数,上述保密码以及所述的唯一个人识别号相对应的输入,以便将上述与各指定钱数、保密码及唯一个人识别号相对应的输入提供给中央终端并与前述文件相比较,上述发放终端还用于接收对所述输入与前述文件之间完全匹配的确认情况并且用于在不要求收款人用卡去启动该发放终端的情况下将与指定钱数相等的现款发放给收款人。
2.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发起终端是自动出纳机(ATM)。
3.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发起终端是具有图形用户界面的个人计算机。
4.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发起终端是具有声音响应装置的控键式电话机。
5.如权利要求4所述的自动电子汇款系统,其特征在于,所说的按键式电话机是可视电话。
6.如权利要求1所述的自动电子汇款系统,其特征在于,所说的中央终端还包括一号码生成器,它用于生成前述唯一的个人识别号。
7.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发放终端是自动出纳机(ATM)。
8.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发起终端在将加密的保密码提供给中央终端之前先对该保密码进行加密。
9.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发放终端在将加密的保密码提供给中央终端之前先对该保密码进行加密。
10.如权利要求1所述的自动电子汇款系统,其特征在于,所述指定钱数是由实际合法提供人提供的。
11.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发起终端还包括一金融卡读卡器。
12.如权利要求11所述的自动电子汇款系统,其特征在于,所说的金融卡是信用卡。
13.如权利要求11所述的自动电子汇款系统,其特征在于,所说的金融卡是记帐卡。
14.如权利要求11所述的自动电子汇款系统,其特征在于,所说的金融卡是智能卡。
15.如权利要求14所述的自动电子汇款系统,其特征在于,所说的智能卡是存款卡。
16.如权利要求1所述的自动电子汇款系统,其特征在于,所说的发起终端还包括一现金接收装置。
17.一种在汇款人与收款人之间进行全自动电子汇款的方法,该方法包括下列步骤:
在发起终端从汇款人接收要电子汇出的指定钱数以及保密码;
由中央终端将一唯一的个人识别号提供给发起终端以用来接收所述钱数及保密码;
由发起终端将上述唯一的个人识别号提供给汇款人;
将上述要汇出的钱数、保密码以及唯一的个人识别号存入在中央终端上的一文件中;
在发放终端接收与每笔指定钱数、所述保密码及唯一的个人识别号相对应的输入;
由发放终端将与每笔指定钱数、所述保密码及唯一的个人识别号相对应的输入提供给中央终端以便与前述所存储的文件作确认比较;以及
由发放终端在不要求收款人用卡去启动该发放终端的条件下将与前述指定钱数相等的现款发放给收款人。
18.如权利要求17所述全自动电子汇款的方法,其特征在于,所说的发放终端是自动出纳机(ATM)。
19.如权利要求17所述的全自动电子汇款的方法,其特征在于,上述在发起终端进行接收的步骤还包括下列步骤:接收来自汇款人的金融卡信息。
20.如权利要求19所述的全自动电子汇款的方法,其特征在于,所说的金融卡是记帐卡。
21.如权利要求19所述的全自动电子汇款的方法,其特征在于,所说的金融卡是信用卡。
22.如权利要求19所述的全自动电子汇款的方法,其特征在于,所说的金融卡是智能卡。
23.如权利要求22所述的全自动电子汇款的方法,其特征在于,所说的智能卡是存款卡。
24.如权利要求17所述的全自动电子汇款的方法,其特征在于,上述在发起终端进行接收的步骤还包括下列步骤:对所述保密码进行加密。
25.如权利要求17所述的全自动电子汇款的方法,其特征在于,上述在发放终端进行接收的步骤还包括下列步骤:对所述保密码进行加密。
26.如权利要求17所述的全自动电子汇款的方法,其特征在于,上述在发起终端进行接收的步骤还包括下列步骤:接收来自汇款人的实际货币。
27.一种在汇款人与收款人之间进行全自动电子汇款或汇现金等价物的方法,该方法包括下列步骤:
在发起终端从汇款人接收要电子汇出的与汇款人要提供给收款人的一定数量的现金或现金等价物相对应的指定钱数以及一保密码;
由中央终端将一唯一的个人识别号码提供给发起终端以用来接收所述钱数及保密码;
由发起终端将上述唯一的个人识别号提供给汇款人;
将上述要汇出的钱数、保密码以及唯一的个人识别号存入在中央终端上的一文件中;
在发放终端接收与每笔指定的钱数、所述保密码及唯一的个人识别号相对应的输入;
由发放终端将与每笔指定的钱数、所述保密码及唯一的个人识别号相对应的输入提供给中央终端以便与前述所存储的文件作比较;以及
由发放终端在不要求收款人用卡去启动该发放终端的条件下与前述指定钱数相等的现金或现金等价物直接发放给收款人。
28.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的发放终端是自动出纳机(ATM)。
29.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所述在发起终端进行接收的步骤还包括下列步骤:接收来自汇款人的金融卡信息。
30.如权利要求29所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的金融卡是记帐卡。
31.如权利要求29所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的金融卡是信用卡。
32.如权利要求29所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的金融卡是智能卡。
33.如权利要求32所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的智能卡是存款卡。
34.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所述在发起终端进行接收的步骤还包括下列步骤:对前述保密码进行加密。
35.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所述在发放终端进行接收的步骤还包括下列步骤:对前述保密码进行加密。
36.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的现金等价物是至少一张旅行支票。
37.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,所说的现金等价物是邮票。
38.如权利要求27所述的全自动电子汇款或汇现金等价物的方法,其特征在于,上述在起始终端进行接收的步骤还包括下列步骤:接收来自汇款人的实际货币。
39.一种在汇款人与收款人之间进行自动电子汇款或汇现金等价物的系统,该系统包括:
一发起终端,它用于从汇款人接收要电子汇出的与汇款人要提供给收款人的一定数量的现金或现金等价物相对应的指定钱数、要从中汇出现金或现金等价物的帐户以及一保密码。
一中央终端,它用于接收前述钱数和保密码并将前述所汇钱数和保密码存入其中的一文件内;以及
一发放终端,它用于从收款人接收与上述各指定钱数及上述保密码相对应的输入,以便将上述与各指定钱数及保密码相对应的输入提供给中央终端并与前述文件相比较,上述发放终端还用于接收对所述输入与前述文件之间完全匹配的确认情况并且用于在不要求收款人用卡去启动该发放终端的情况下将与指定钱数相等的现款或现金等价物直接发放给收款人。
40.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发起终端是自动出纳机(ATM)。
41.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发起终端是具有图形用户界面的个人计算机。
42.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发起终端是具有声音响应装置的按键式电话机。
43.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的中央终端还包括一号码生成器,它用于生成前述唯一的个人识别号。
44.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发放终端是自动出纳机(ATM)。
45.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发起终端在将加密的保密码提供给中央终端之前对该保密码进行加密。
46.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发放终端在将加密的保密码提供给中央终端之前对该保密码进行加密。
47.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所述指定钱数是由实际合法提供人提供的。
48.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的发起终端还包括一金融卡读卡器。
49.如权利要求48所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的金融卡是信用卡。
50.如权利要求48所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的金融卡是记帐卡。
51.如权利要求48所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的金融卡是智能卡。
52.如权利要求51所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的智能卡是存款卡。
53.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的现金等价物是至少一张旅行支票。
54.如权利要求39所述的全自动电子汇款或汇现金等价物的系统,其特征在于,所说的现金等价物是邮票。
CN96192069A 1995-02-22 1996-02-12 用自动出纳机进行电子汇款以便发放所汇现款的系统与方法 Expired - Lifetime CN1107924C (zh)

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