SYSTEM AND METHOD FOR ELECTRONIC MONEY WITHDRAWAL

摘要

A system and method for electronic money withdrawal. This operation is implemented by a transfer of electronic money from the user electronic wallet to a money distribution authority, typically a bank. Advantageously, a strong authentication occurs previously with the bank. The transfer includes the ATM identifier. A delivery identifier is delivered to the user. The user then goes to the ATM and proceeds to the withdrawal with its GSMT id and delivery id. Accordingly a robust and reliable withdrawal is possible. It may be actually done at the ATM without the mobile device handling the electronic wallet.

主权项

1. A method for exchanging electronic banknotes against real banknotes by a withdrawal at an ATM, characterized in that it comprises by a mobile device handling an electronic wallet:
obtaining an identifier of the ATM targeted for the withdrawal; sending a request to a central server including the ATM identifier for the exchange of at least one electronic banknote contained in said electronic wallet and the user identifier; receiving a withdrawal authorization from the central server; and waiting to an acknowledgement of the withdrawal from the central server to validate the withdrawal transaction.