IP Library Granted Patent US 7,360,685
Granted Patent B2
US 7,360,685 · App. 10/960,561 · Granted Apr 22, 2008

Controlling electronic withdrawals by a withdrawal device

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Quick Facts
Patent No.
US 7,360,685
App. No.
10/960,561
Granted
Apr 22, 2008
Kind
B2
Abstract

Controlling electronic withdrawals by a withdrawal device including creating in the withdrawal device a data structure representing a withdrawal request, where the data structure includes fields for a withdrawal device identifier, a drawer identifier, a drawee identifier, and a withdrawal amount; transmitting from the withdrawal device to a drawee a request for limitations on electronic withdrawals for the drawer, where the limitations include a limitation on drawer location; receiving in the withdrawal device from storage in computer memory of the drawee data representing the limitations on electronic withdrawals for the drawer, including the limitation on drawer location; and authorizing, by the withdrawal device, an electronic withdrawal in dependence upon the limitations, including the limitation on drawer location.

Claims (18)

1. A method for controlling electronic withdrawals by a withdrawal device, the method comprising:

creating in the withdrawal device a data structure representing a withdrawal request, wherein the data structure includes fields for a withdrawal device identifier, a drawer identifier, a drawee identifier, and a withdrawal amount;

transmitting from the withdrawal device to a drawee a request for limitations on electronic withdrawals for the drawer, wherein the limitations include a limitation on drawer location;

receiving in the withdrawal device from storage in computer memory of the drawee data representing the limitations on electronic withdrawals for the drawer, including the limitation on drawer location; and

authorizing, by the withdrawal device, an electronic withdrawal in dependence upon the limitations, including the limitation on drawer location.

2. The method of claim 1 wherein the limitations on electronic withdrawals further comprise limitations on withdrawal type, drawer, account, withdrawal period, and maximum withdrawal amount.

3. The method of claim 1 wherein the limitation on drawer location further comprises a geographic area that includes one or more locations of withdrawal devices.

4. The method of claim 1 further comprising establishing the limitations on electronic withdrawals in the drawee, including the limitation on drawer location.

5. The method of claim 4 wherein establishing the limitations on electronic withdrawals further comprises transmitting to the drawee by an authorized user through electronic data communications one or more of the limitations on electronic withdrawals, including the limitation on drawer location.

6. The method of claim 1 further comprising:

identifying at least one drawer location for the withdrawal device,

wherein authorizing a withdrawal further comprises authorizing a withdrawal in dependence upon the at least one drawer location for the withdrawal device.

7. The method of claim 1 further comprising:

retrieving from storage in computer memory of the drawee data representing a recorded description of at least one previous withdrawal for the drawer,

wherein authorizing a withdrawal further comprises authorizing a withdrawal in dependence upon the recorded description of at least one previous withdrawal.

8. The method of claim 1 wherein:

the data representing limitations on electronic withdrawals include a maximum withdrawal amount; and

authorizing a withdrawal further comprises authorizing a withdrawal in dependence upon the maximum withdrawal amount.

Assignments (2)
PATENT ASSIGNMENT AND RESERVATION Recorded Sep 4, 2012
From: INTERNATIONAL BUSINESS MACHINES CORPORATION
To: TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION
Reel/Frame 028895/0935 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 30, 2004
From: KEOHANE, SUSANN MARIE; MCBREARTY, GERALD FRANCIS; MULLEN, SHAWN PATRICK; MURILLO, JESSICA; SHIEH, JOHNNY MENG-HAN
To: INTERNATIONAL BUSINESS MACHINES CORPORATION
Reel/Frame 015413/0237 →