Self-service money remittance with an access card
First Claim
1. A self-service method for money remittance comprising:
- receiving a customer identifier input by a customer through a customer input device of an automated kiosk located in a first country, the customer identifier identifying the customer and being associated with stored information in a database necessary to complete a money remittance to a recipient;
identifying the customer by the automated kiosk based on the received customer identifier and the stored information in the database;
receiving a verification response that indicates to the identified customer at the automated kiosk that the identified customer passes compliance tests, the verification based on a comparison of customer data with government data and compliance regulations, the customer data sent to an external database able to initiate a comparison of the customer data with the government data and the compliance regulations;
receiving cash input by the customer into a money validation device of the automated kiosk, the cash comprising a monetary amount;
validating the authenticity of the received cash by the validation device;
providing a list of one or more established recipients by the automated kiosk, wherein the customer and an established recipient in the list of one or more established recipients form a unique sender-recipient pair; and
confirming a selection of the recipient,wherein the list of one or more established recipients is based on the received customer identifier and the information stored in the database, andthe recipient is from the one or more established recipients displayed on a touch-screen of the automated kiosk.
8 Assignments
0 Petitions
Accused Products
Abstract
Self-service methods for money remittance and kiosks are provided. An exemplary kiosk includes a video display, a card reader, a keypad, a money validation device, and a processor in communication with a database and a processing system across a network. A person can remit money to a recipient by simply presenting an access card to the card reader, entering a PIN on the keypad, and inserting cash into the money validation device. The database includes information associated with the identifier such as one or more established recipients and necessary information for remitting funds to each. The kiosk can receive a list of established recipients from the database and present the list to the person on the video display. After the person selects a recipient from the list, the kiosk can transmit to the processing system the recipient and the cash amount received by the money validation device.
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Citations
22 Claims
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1. A self-service method for money remittance comprising:
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receiving a customer identifier input by a customer through a customer input device of an automated kiosk located in a first country, the customer identifier identifying the customer and being associated with stored information in a database necessary to complete a money remittance to a recipient; identifying the customer by the automated kiosk based on the received customer identifier and the stored information in the database; receiving a verification response that indicates to the identified customer at the automated kiosk that the identified customer passes compliance tests, the verification based on a comparison of customer data with government data and compliance regulations, the customer data sent to an external database able to initiate a comparison of the customer data with the government data and the compliance regulations; receiving cash input by the customer into a money validation device of the automated kiosk, the cash comprising a monetary amount; validating the authenticity of the received cash by the validation device; providing a list of one or more established recipients by the automated kiosk, wherein the customer and an established recipient in the list of one or more established recipients form a unique sender-recipient pair; and confirming a selection of the recipient, wherein the list of one or more established recipients is based on the received customer identifier and the information stored in the database, and the recipient is from the one or more established recipients displayed on a touch-screen of the automated kiosk. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 17, 18)
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9. A self service kiosk for money remittance comprising:
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a customer input device configured to receive a customer identifier input by a customer; a money validation device; and a processor coupled to the customer input device and the money validation device and configured to execute software for controlling the self service kiosk to; obtain a customer identifier received from the customer via the customer input device, identify the customer based on the customer identifier, obtain identifier information from a database, receive a verification response that indicates to the identified customer at the self service kiosk that the identified customer passes compliance tests, the verification based on a comparison of customer data with government data and compliance regulations, the customer data sent to an external database able to initiate a comparison of the customer data with the government data and the compliance regulations; receive cash input by the customer into the money validation device of the kiosk, the cash comprising a monetary amount, validate the authenticity of the received cash by the cash validation device, provide a list of one or more established recipients, wherein the customer and an established recipient in the list of one or more established recipients form a unique sender-recipient pair, confirm a selection of a recipient, and transmit to a processing system money remittance information including the cash amount, wherein the list of one or more established recipients is based on the received customer identifier and the information stored in the database, and the recipient is from the one or more established recipients displayed on a touch-screen of the automated kiosk. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A method for money remittance by an automated kiosk including a card reader and a money validation device, the method comprising:
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reading an identifier from an access card provided by a customer by the automated kiosk; receiving a verification response that indicates to the identified customer at the automated kiosk that the identified customer passes compliance tests, the verification based on a comparison of customer data with government data and compliance regulations, the customer data sent to an external database able to initiate a comparison of the customer data with the government data and the compliance regulations; obtaining from a database information associated with the identifier including a list of one or more established recipients, wherein the customer of the automated kiosk and an established recipient in the list of one or more established recipients form a unique sender-recipient pair; receiving cash input by the customer comprising a sum value into the money validation device of the automated kiosk; and transmitting to a processing system information pertaining to a money remittance including the sum value and a selected recipient, wherein the list of one or more established recipients is based on the received customer identifier and the information stored in the database, and the recipient is from the one or more established recipients displayed on a touch-screen of the automated kiosk. - View Dependent Claims (16)
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19. A self-service method for money remittance comprising:
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receiving a customer identifier input by a customer through a customer input device of an automated kiosk located in a first country, the customer identifier identifying the customer and being associated with stored information in a database necessary to complete a money remittance to a recipient; identifying the customer by the automated kiosk and verifying the identify of the customer by the automated kiosk, the customer identification based on the received customer identifier and information stored in the database, the verification of the customer identity including receiving a verification response that indicates to the identified customer at the automated kiosk that the identified customer passes compliance tests, the verification based on a comparison of customer data with government data and compliance regulations, the customer data sent to an external database able to initiate a comparison of the customer data with the government data and the compliance regulations; receiving cash input by the customer into a money validation device of the automated kiosk, the cash comprising a monetary amount; validating the authenticity of the received cash by the validation device; providing a list of one or more established recipients by the automated kiosk, wherein the customer and an established recipient in the list of one or more established recipients form a unique sender-recipient pair; and confirming a selection of the recipient, wherein the list of one or more established recipients is based on the received customer identifier and the information stored in the database, and the recipient is from the one or more established recipients displayed on a touch-screen of the automated kiosk. - View Dependent Claims (20, 21, 22)
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Specification