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1. (WO1991007042) PORTABLE AUTOMATED TELLER MACHINE
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/1991/007042 International Application No.: PCT/US1990/001185
Publication Date: 16.05.1991 International Filing Date: 05.03.1990
Chapter 2 Demand Filed: 15.05.1991
IPC:
G06Q 20/04 (2012.01) ,G06Q 20/10 (2012.01) ,G06Q 20/36 (2012.01) ,G06Q 20/38 (2012.01) ,G06Q 20/40 (2012.01) ,G07F 19/00 (2006.01) ,H04M 1/215 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
19
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
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
M
TELEPHONIC COMMUNICATION
1
Substation equipment, e.g. for use by subscribers
02
Constructional features of telephone sets
21
Combinations with auxiliary equipment, e.g. with clocks or memoranda pads
215
by non-intrusive coupling means, e.g. acoustic couplers
Applicants:
NATIONAL TRANSACTION NETWORK, INC. [US/US]; 9 Kane Industrial Drive Hudson, MA 01749, US
Inventors:
HITCHCOCK, Roger, C.; US
Agent:
SCHURGIN, Stanley, M. ; Weingarten, Schurgin, Gagnebin & Hayes Ten Post Office Square Boston, MA 02109, US
Priority Data:
431,52403.11.1989US
Title (EN) PORTABLE AUTOMATED TELLER MACHINE
(FR) APPAREIL DE GUICHET LIBRE SERVICE PORTABLE
Abstract:
(EN) The portable automated teller machine disclosed by the present invention is a low-cost, pocket-size data terminal which can securely exchange information with a host bank computer. It is battery powered, operates without the need for direct connection to a telephone line and couples to the host bank computer via the telephone handset of any public or private telephone station. It allows its user to securely access bank and bank accounts and to securely effect either inter-account transfers or bill payments. Security is assured by assigning a PIN to each individual user and prestoring it therein, by assigning a machine identity number to each machine and storing it therein, and by providing encrypted data communication. It has prestored therein the individuals account numbers and the phone numbers and other parameters needed for communication to the corresponding host computer bank. It features foldable telephone receiving ears (12, 14) pivotally mounted to a housing member (10), and an overlayed touch screen (24) mounted flush with the housing member. A calculator function is also provided.
(FR) L'appareil portable de guichet libre service présenté dans cette invention est un terminal de données d'un faible coût et d'un format de poche qui permet d'échanger en toute sécurité des informations avec un ordinateur-serveur. L'appareil fonctionne avec des piles et il n'est pas nécessaire de se connecter directement à la ligne téléphonique, il se connecte à l'ordinateur-serveur via le combiné de tout poste de téléphne public ou privé. Il permet à son utilisateur d'avoir accès en toute sécurité à sa banque et à son compte en banque et d'effectuer en toute sécurité soit des transferts entre divers comptes, soit des règlements de factures. La sécurité est assurée en affectant une clé à chaque utilisateur et en le prérangeant dans l'ordinateur, en affectant un numéro d'identité machine à chaque appareil et en le mettant en mémoire, et en offrant une communication codée des données. L'appareil possède en mémoire les numéros de compte des personnes et les numéros de téléphone et autres paramètres nécessaires pour la communication à l'ordinateur-serveur correspondant. Il a la forme d'un téléphone pliable équipé d'écouteurs (12, 14) montés de manière pivotante sur l'élément boîtier (10) et un écran sensitif recouvert (24) incorporé à l'élement boîtier. Une fonction calculatrice est également prévue.
Designated States: AU, CA, JP, KR
European Patent Office (AT, BE, CH, DE, DK, ES, FR, GB, IT, LU, NL, SE)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
AU1990051875