초록 ▼

An automated banking system for wire transfer of funds is provided with a machine where the user has a card to identify the user as being qualified to use the banking system. The user must know and be provided with the transferee's bank number and the transferee's account number. Preferably, the use

An automated banking system for wire transfer of funds is provided with a machine where the user has a card to identify the user as being qualified to use the banking system. The user must know and be provided with the transferee's bank number and the transferee's account number. Preferably, the user knows the routing number and the user inputs the routing number at the machine which is preferably an ATM machine that accepts and dispenses cash. The user may pay for the wire transfer at the machine by cash, a credit card, debit card, smart card or a withdrawal from the user's account. The machine has card readers and means for writing down on a card the amount paid therefrom for this wire transaction. The user is assured by the verification that the wire transfer is to the proper receiving account.

대표청구항 ▼

[ What is claimed is:] [9.] A method of providing wire transfer directly of funds from an authorized user of an automated banking machine system to an authorized transferee's bank account in a bank within the banking network, comprising:providing an automated machine having a card receiver for recei

[ What is claimed is:] [9.] A method of providing wire transfer directly of funds from an authorized user of an automated banking machine system to an authorized transferee's bank account in a bank within the banking network, comprising:providing an automated machine having a card receiver for receiving a card which identifies the transferor user as being authorized to use the machine and banking network;providing the user with the transferee's account and bank numbers;inputting into the machine routing information for the transferee's bank to which the transfer is to be made and inputting into the machine the account number of the authorized transferee;entering the amount to be wire transferred to the authorized transferee;selecting at the machine a method of payment including paying at the automated machine or paying from the authorized user's account for the wire transfer to the authorized transferee's account and the transferee's bank;communicating through the bank system the wire transfer through the banking network to the authorized transferee's account in the receiving bank; andproviding the user with a receipt showing the amount of the wire transfer transaction and the account number identifying the account which received the transfer.