Patent US5367561A successfully refreshed from Google Patents.
US5367561A
Expired / Lapsed
US
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Cash access system and method of operation
Assignee: Nomura Holding America Inc
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Filing: 1992-02-10
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Granted: 1994-11-22
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Expires: 2012-02-10
Abstract
Abstract A cash access system is provided for disbursing funds to consumers, such as the guest of a hotel, according to instructions of the consumer. The system comprises circuitry for receiving instructions associated with the request from a selected one of a plurality of input terminals, for validating the request with the relevant authority, for instructing the management associated with the input terminals to disburse the funds to the consumer and for billing the consumer for the withdrawal.
Inventors
- 👤 B. Michael Adler
- 👤 John A. Hird
- 👤 Lindsey D. Owen
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-28 15:11
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/04; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G07; G07F; G07F19/00; G07F19/20; G07F19/202
Claims Analysis
Total Claims: 6
Claim 1
Independent Claim
180 words
A telecommunications system used to instruct a cashier to disburse requested funds to a patron of the system, the system comprising: a selected input terminal, remotely located from the cashier, for relaying a fund-disbursement request from the patron; input circuitry for receiving said request, prompting the patron via said input terminal for information needed to process said request, receiving said information from the patron via said input terminal, and processing said request; authorizing circuitry coupled to said input circuitry and responsive to said information for validating said request; relaying circuitry coupled to said authorizing circuitry and responsive to said validation for instructing the cashier to disburse the requested funds; and accounting circuitry responsive to said input circuitry and said authorizing circuitry for creating a record of said fund-disbursement request, determining a charge for said disbursement, and billing the patron for said charge,said accounting circuitry comprising converting circuitry for converting the amount of requested funds from a first currency into a corresponding amount of a second currency, wherein said accounting circuitry determines said charge for said disbursement in said second currency.
Claim 2
Dependent Claim
180 words
A telecommunications system used to instruct a cashier to disburse requested funds to a patron of the system, the system comprising: a selected input terminal, remotely located from the cashier, for relaying a fund-disbursement request from the patron; input circuitry for receiving said request, prompting the patron via said input terminal for information needed to process said request, receiving said information from the patron via said input terminal, and processing said request; authorizing circuitry coupled to said input circuitry and responsive to said information for validating said request; relaying circuitry coupled to said authorizing circuitry and responsive to said validation for instructing the cashier to disburse the requested funds; and accounting circuitry responsive to said input circuitry and said authorizing circuitry for creating a record of said fund-disbursement request, determining a charge for said disbursement, and billing the patron for said charge,said accounting circuitry comprising converting circuitry for converting the amount of requested funds from a first currency into a corresponding amount of a second currency, wherein said accounting circuitry determines said charge for said disbursement in said second currency.
Claim 3
Dependent Claim
23 words
The system of claim 1 wherein said converting circuitry converts the amount of said charge into a corresponding amount of said first currency.
Claim 4
Dependent Claim
191 words
A telecommunications system used in conjunction with a hotel PBX operable to instruct a cashier to disburse funds to a hotel guest, the system comprising: a telecommunications station available to the guest operable to generate first signals indicative of a requested cash withdrawal of the guest; input circuitry for receiving said first signals via a PBX system resident in the hotel; authorizing circuitry responsive to the input circuitry for contacting an external validation system and receiving second signals from said validation system indicating the validity of an account number entered by the guest; relaying circuitry responsive to the authorizing circuitry for instructing the cashier of the hotel to disburse said requested cash withdrawal; and accounting circuitry responsive to said input circuitry and to said authorizing circuitry for creating a record of said requested cash withdrawal, formulating a charge for said requested cash withdrawal, and billing said charge separately from said requested cash withdrawal,said accounting circuitry comprising converting circuitry for converting the amount of requested funds from a first currency into a corresponding amount of a second currency, wherein said accounting circuitry determines said charge for said disbursement in said second currency.
Claim 5
Dependent Claim
191 words
A telecommunications system used in conjunction with a hotel PBX operable to instruct a cashier to disburse funds to a hotel guest, the system comprising: a telecommunications station available to the guest operable to generate first signals indicative of a requested cash withdrawal of the guest; input circuitry for receiving said first signals via a PBX system resident in the hotel; authorizing circuitry responsive to the input circuitry for contacting an external validation system and receiving second signals from said validation system indicating the validity of an account number entered by the guest; relaying circuitry responsive to the authorizing circuitry for instructing the cashier of the hotel to disburse said requested cash withdrawal; and accounting circuitry responsive to said input circuitry and to said authorizing circuitry for creating a record of said requested cash withdrawal, formulating a charge for said requested cash withdrawal, and billing said charge separately from said requested cash withdrawal,said accounting circuitry comprising converting circuitry for converting the amount of requested funds from a first currency into a corresponding amount of a second currency, wherein said accounting circuitry determines said charge for said disbursement in said second currency.
Claim 6
Dependent Claim
23 words
The system of claim 3 wherein said converting circuitry converts the amount of said charge into a corresponding amount of said first currency.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1997-11-21 | 1998-05-23 | 1998-11-22 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2001-11-21 | 2002-05-23 | 2002-11-22 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2005-11-21 | 2006-05-23 | 2006-11-22 | $7700.00 | Window Closed / Lapsed |