Method of automated monetary transfers
First Claim
Patent Images
1. A banking method comprising the steps of:
- associating a first PIN with a first user;
providing the first PIN with full access to a first bank account, and a second bank account;
identifying the first PIN to a first automated banking attendant;
transferring a first sum of money from the first bank account to the second bank account under the control of the first PIN;
associating a second PIN with a second user;
providing the second PIN with access to the second bank account for withdrawals only;
identifying the second PIN to a second automated banking attendant; and
transferring a second sum of money, wherein the second sum of money is equal to or less than the first sum of money, from the second bank account to the second user.
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Abstract
A consumer banking method provides for establishment of a petty cash account that may have funds transferred into it by a first user using a first account number and PIN number, and also have funds transferred out of the petty cash account by a second user using a second account number and PIN number. Methods for accomplishing this are defined using telephonic and personal contact with an automated banking system.
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Citations
20 Claims
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1. A banking method comprising the steps of:
- associating a first PIN with a first user;
providing the first PIN with full access to a first bank account, and a second bank account;
identifying the first PIN to a first automated banking attendant;
transferring a first sum of money from the first bank account to the second bank account under the control of the first PIN;
associating a second PIN with a second user;
providing the second PIN with access to the second bank account for withdrawals only;
identifying the second PIN to a second automated banking attendant; and
transferring a second sum of money, wherein the second sum of money is equal to or less than the first sum of money, from the second bank account to the second user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
- associating a first PIN with a first user;
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12. A banking method comprising the steps of:
- associating at least one first PIN with at least one first user;
providing the at least one first PIN with full access to at least a first bank account, and a second bank account;
identifying the at least one first PIN to a first automated banking attendant;
transferring a first sum of money from the at least one first bank account to the at least one second bank account under the control of the at least one first PIN;
associating a at least one second PIN with at least one second user;
providing the at least one second PIN with access to the at least one second bank account for withdrawals only;
identifying the at least one second PIN to a second automated banking attendant; and
transferring a at least one second sum of money, wherein the at least one second sum of money is equal to or less than the at least one first sum of money, from the at least one second bank account to the at least one second user. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
- associating at least one first PIN with at least one first user;
Specification