Method of determining the acceptability of a request to preengage receipt and/or payment of money in an ATM system using the same

A method of preengaging a receipt and/or payment of money, carried out in a system for carrying out a receipt and/or payment of money installed in monetary facilities, the method comprising the steps of:

• inputting dealing data from a user as preengagement data, to request carrying out a dealing for the receipt and/or payment of money at a cash processing apparatus at a branch of the system requested by the user;
• determining acceptability of said input preengagement data with reference to use data regarding present and/or predicted funds in the cash processing apparatus installed at the requested branch;
• transmitting said preengagement data to said requested branch to input said preengagement data thereto as a processing execution command when said preengagement data is determined to be acceptable to thereby permit the receipt and/or payment of money at the requested branch;
• determining acceptability of substitutional preengagement data different from said preengagement data when said preengagement data is determined not to be acceptable for receipt and/or payment of money at the requested branch;
• and
• announcing said substitutional preengagement data to the user when said substitutional preengagement data is determined to be acceptable,
• wherein said step of determining the acceptability of said input preengagement data is carried out with reference to predicted funds in the requested branch at a time requested for use of the branch by the user, wherein said predicted funds are based on the number of other preengagement requests already made to reserve money at the branch.

A system of preengaging a receipt and/or payment of money in monetary facilities, the system comprising:

• preengagement inputting means for inputting dealing data as preengagement data, to carry out a dealing for the receipt and/or payment of money at a cash processing means at a branch of the system requested by the user;
• and
• central control means, connected to said preengagement inputting means and said cash processing means, for receiving said preengagement data from said preengagement inputting means and use data regarding present and/or predicted funds at said cash processing means, and for determining acceptability of said input preengagement data with reference to said use data to determine whether to permit receipt and/or payment of money at the requested branch in response to the user's request,
• wherein the control means determines the acceptability of said input preengagement data with respect to predicted funds in the requested branch at a time requested for using the branch by the user, wherein said predicted funds are based on the number of other preengagement requests already made to reserve money at the requested branch.

A method of preengaging a receipt and/or payment of money, carried out in a system for carrying out a receipt and/or payment of money installed in monetary facilities, the method comprising the steps of:

• inputting dealing data from a user as preengagement data, to request carrying out a dealing for the receipt and/or payment of money at a cash processing apparatus at a branch of the system requested by the user;
• determining acceptability of said input preengagement data with reference to use data regarding present and/or predicted funds in the cash processing apparatus installed at the requested branch;
• transmitting said preengagement data to said request branch to input said preengagement data thereto as a processing execution command when said preengagement data is determined to be acceptable to thereby permit the receipt and/or payment of money at the requested branch;
• wherein said step of determining the acceptability of said input preengagement data is carried out with reference to predicted funds in the requested branch at a time requested for use of the branch by the user, wherein said predicted funds are based on the number of other preengagement requests already made to reserve money at the branch.