AN ELECTRONIC FUND TRANSFER SYSTEM USING AN ATM IN CONJUNCTION WITH A KIOSK

摘要

A method for electronically transferring funds between a sender and a recipient includes receiving at an initiating terminal (11, 13, 14) an amount of funds to be transferred from the sender; a security code; generating a unique personal identification number and providing it to the sender; storing the information at a central terminal (16) in communication with the initiating identification terminal; providing a manned kiosk (12) including a kiosk agent; dispensing the amount of funds at the manned kiosk (12) if the unique personal identification number and the security code provided by the recipient match the stored unique personal identification number and the stored security code.