| 摘要 |
<p>A system is disclosed for transferring currency electronically between accounts. The system allows currency to be immediately transferred from a first account to a ATM. The first account can be accessed in a number of ways, including remotely from a general purpose computer or from an ATM using a transaction card. The ATM provides the individual with a plurality of transaction choices such as the transfer of an amount of currency to a second account. The ATM transmits information to a main computer regarding the second account and the amount of currency to be transferred. The main computer includes a database containing entry codes and routing codes for a plurality of banks belonging to the present electronic transfer network. Using this database, the main computer validates information such as the entry code for the banks and the availability of the second account prior to allowing the transaction to proceed. A transaction card associated with the second account is used to compare the recipient account to the account number provided by the sender. The transferred currency can then be retrieved using a second ATM. The transaction card is used solely to identify the recipient and currency is not actually transferred to the second account.</p> |
