Method for obtaining cash without card at ATM using a payment order via SMS

Method for obtaining cash without card at ATM using a payment order via SMS

  • CN 1,998,016 A
  • Filed: 07/05/2004
  • Published: 07/11/2007
  • Est. Priority Date: 07/05/2004
  • Status: Active Application
First Claim
Patent Images

1. , on Automatic Teller Machine, do not have the card method of withdrawing the money by the payment way of bailment of note, be fit to be applied to the beneficiary and need not to have account, card or similar thing and draw cash, be characterized in comprising with the next stage:

  • A) phase one (1a), this stage initiation module (3) receives one from clientage or client by note(2) permission/cancellation request is entrusted in payment;

    B) stage (1b), this stage initiation module (3) and the central location of all trusts of processing or the permission/cancellation of national Automatic Teller Machine payment network module (4) online negotiation trust;

    C) stage (1c), this stage permission/cancellation note sends out by the communication system that sends note, under the situation of accepting service, is arranged by national Automatic Teller Machine payment network module (4) by the transmission of the relevant payment authorization of requestor'"'"'s checking;

    D) stage (1d), this stage whole nation Automatic Teller Machine payment network module (4) utilizes communication system to send note to operation beneficiary (6), and note comprises clientage'"'"'s (2) checking details and turnover, and code or PIN (Personal Identification Number);

    E) stage (1e), this stage beneficiary (6) need not to use the means of payment sending the cash request on the Automatic Teller Machine (7) of permission for this purpose, only needs to offer beneficiary'"'"'s (6) code or PIN (Personal Identification Number);

    F) stage (1f), the communication network of this stage by actual responder module (8) sends mandate/corrigendum request to responder module (8) from Automatic Teller Machine (7);

    G) stage (1g), this stage is sent mandate/corrigendum request by responder module (8) to aforesaid national Automatic Teller Machine payment network module (4);

    H) stage (1h), the request of whole nation Automatic Teller Machine payment network module (4) approval/refusal previous stage in this sends to responder module (8) to the result in stage;

    I) stage (1i), this stage responder module (8) approval/refusal operation sends to Automatic Teller Machine (7) to relevant notice by internal communication network;

    J) stage (1j), this stage is utilized the equipment of paying in cash of Automatic Teller Machine (7) by the cash payment of Automatic Teller Machine (7) affirmation/refusal to beneficiary (6) if affirmation is paid, make beneficiary (6) to draw;

    K) stage (1k), this stage is carried out the off-line communication by national Automatic Teller Machine payment network module (4) to the initiation module of realizing paying trust (3);

    L) stage (10a), in the execution in this stage, to national Automatic Teller Machine payment network module (4) some information of paying is described by responder module (8), illustrate that the payment of carrying out is entrusted and handling clearing fee, service charge and the other fees that produce when operating;

    M) stage (10b), this stage whole nation Automatic Teller Machine payment network module (4) is submitted payment trust, clearing fee, service charge and other fees to initiation module (3);

    N) stage (10c), this stage initiation module (3) proposes clearing and imposes the expense of performed operation to clientage (2);

    In the stage (10d), the Automatic Teller Machine (7) that uses in this stage responder module (8) and the transaction carries out relevant clearing;

    O) stage (10e), this stage is visited national electronic clearing system (12) by clearance module (11), and carry out and the relevant clearance of operation that is carried out this moment;

    P) stage (10f), this stage repays accordingly between initiation module and national Automatic Teller Machine payment network module (4) and produces;

    Q) stage (10g), this stage repays accordingly between national Automatic Teller Machine payment network module (4) and responder module (8) and produces.

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