Controlling Electronic Withdrawals By A Withdrawal Device

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.

1 - 8 . (canceled)  
     
     
         9 . A system for controlling electronic withdrawals by a withdrawal device, the system comprising: 
 means for 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;    means for 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;    means for 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    means for authorizing, by the withdrawal device, an electronic withdrawal in dependence upon the limitations, including the limitation on drawer location.    
     
     
         10 . The system of  claim 9  wherein the limitations on electronic withdrawals further comprise limitations on withdrawal type, drawer, account, withdrawal period, and maximum withdrawal amount.  
     
     
         11 . The system of  claim 9  wherein the limitation on drawer location further comprises a geographic area that includes one or more locations of withdrawal devices.  
     
     
         12 . The system of  claim 9  further comprising: 
 means for identifying at least one drawer location for the withdrawal device,    wherein means for authorizing a withdrawal further comprises means for authorizing a withdrawal in dependence upon the at least one drawer location for the withdrawal device.    
     
     
         13 . The system of  claim 9  further comprising: 
 means for retrieving from storage in computer memory of the drawee data representing a recorded description of at least one previous withdrawal for the drawer,    wherein means for authorizing a withdrawal further comprises means for authorizing a withdrawal in dependence upon the recorded description of at least one previous withdrawal.    
     
     
         14 . The system of  claim 9  wherein: 
 the data representing limitations on electronic withdrawals include a maximum withdrawal amount; and    means for authorizing a withdrawal further comprises means for authorizing a withdrawal in dependence upon the maximum withdrawal amount.    
     
     
         15 . A computer program product for controlling electronic withdrawals by a withdrawal device, the computer program product comprising: 
 a recording medium;    means, recorded on the recording medium, for 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;    means, recorded on the recording medium, for 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;    means, recorded on the recording medium, for 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    means, recorded on the recording medium, for authorizing, by the withdrawal device, an electronic withdrawal in dependence upon the limitations, including the limitation on drawer location.    
     
     
         16 . The computer program product of  claim 15  wherein the limitations on electronic withdrawals further comprise limitations on withdrawal type, drawer, account, withdrawal period, and maximum withdrawal amount.  
     
     
         17 . The computer program product of  claim 15  wherein the limitation on drawer location further comprises a geographic area that includes one or more locations of withdrawal devices.  
     
     
         18 . The computer program product of  claim 15  further comprising: 
 means, recorded on the recording medium, for identifying at least one drawer location for the withdrawal device,    wherein means, recorded on the recording medium, for authorizing a withdrawal further comprises means, recorded on the recording medium, for authorizing a withdrawal in dependence upon the at least one drawer location for the withdrawal device.    
     
     
         19 . The computer program product of  claim 15  further comprising: 
 means, recorded on the recording medium, for retrieving from storage in computer memory of the drawee data representing a recorded description of at least one previous withdrawal for the drawer,    wherein means, recorded on the recording medium, for authorizing a withdrawal further comprises means, recorded on the recording medium, for authorizing a withdrawal in dependence upon the recorded description of at least one previous withdrawal.    
     
     
         20 . The computer program product of  claim 15  wherein: 
 the data representing limitations on electronic withdrawals include a maximum withdrawal amount; and    means, recorded on the recording medium, for authorizing a withdrawal further comprises means, recorded on the recording medium, for authorizing a withdrawal in dependence upon the maximum withdrawal amount.