Self-service terminal
View Patent ↗A self-service terminal ( 12 ) for connection to a network ( 30 ) is described. The terminal ( 12 ) has means for receiving payment from a user ( 58 ), such as a check deposit module and/or a cash receiving module. The terminal ( 12 ) also includes an electronic payment mechanism ( 82 ) for creating an electronic financial instrument for paying for an item purchased via the network ( 30 ). The electronic financial instrument created is independent of the payment from the user. The terminal ( 12 ) may use a credit card for the electronic financial instrument, and the terminal may have a credit card number associated with it, so that the terminal uses this credit card number as part of the electronic financial instrument. The terminal may be an ATM.
1. A self-service terminal which comprises an Automated Teller Machine, ATM, and which is operated by an operating party, for connection to a network, the terminal comprising:
a) means for receiving payment from a user, including payment wherein the user selectively pays via cash, credit card, electronic card, or debit card; and
b) means for delivering a third party payment to a third party or merchant, who is different from the user and different from the operating party, which third party payment
i) is made using a credit card assigned to the terminal,
ii) does not allow the third party to learn the identity of the user, and
iii) does not allow the third party to learn an account number of the user.
2. A terminal according to claim 1 , further comprising a browser for enabling a user to browse sites on the network to select an item for purchasing from a merchant.
3. A method of operating self-service terminals in a self-service terminal network, the method comprising the steps of:
a) at a self-service terminal, providing a user with a browser for browsing through merchants connected to the network, wherein each merchant offers one or more items for purchase;
b) receiving payment via a first credit card number from a user for a selected item to be purchased from a merchant;
c) transmitting payment to the merchant via an account number which is different from the first credit card number, which payment
i) prevents the merchant from learning identity of the user and
ii) prevents the merchant from learning the first credit card number.
4. A method of purchasing items using an Automated Teller Machine, ATM, comprising the steps of:
a) providing a web browser to a user of the ATM for browsing web pages of merchants;
b) receiving payment via a first credit card from the user for a purchase from a selected merchant; and
c) using a credit card account assigned to the ATM, transmitting payment to the selected merchant.
5. Method according to claim 4 , and further comprising:
d) using the account to make payment to the selected merchant
(i) without identifying the user to the merchant, and
(ii) without disclosing an account number of the user to the merchant.
6. Terminal according to claim 1 , in which the user makes payment using (1) a credit card having an account number or (2) an account having an account number and no account number of the user is disclosed to the third party.
7. Terminal according to claim 6 , in which the credit card of the terminal has an account number T, and no account number of the user is identical with account number T.
8. Terminal according to claim 3 , in which the account number which is different from the first credit card number represents a credit account of the terminal.