Method for transmitting a code

Abstract

The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code allocation unit 3 transfers an amount of money to the financial institution 5 specified by the user and/or transfers an amount of money from the financial institution 5 specified by the user, thereby submitting the account identifier information and the code to be transmitted as additional information with this transfer and/or this debit, and the financial institution 5 forwards a receipt for the transfer and/or debit together with the additional information to the user.

1 . A method comprising:
 receiving, from a code allocation unit, using at least one processor, an access code suitable for identifying a user to a business entity and a request to effect a value transfer utilizing a financial account identifier information of the user, the access code represented by an amount of value associated with the value transfer;   effecting the requested value transfer only in response to a positive verification of the financial account identifier information representing a valid financial account of the user; and   transmitting the access code to the user.   
     
     
         2 . The method according to  claim 1 , wherein the amount of value is automatically selected by the code allocation unit. 
     
     
         3 . The method of  claim 1 , comprising transmitting the access code to the user together with a receipt for the value transfer. 
     
     
         4 . The method of  claim 1 , comprising:
 in response to a negative verification of the financial account identifier information representing a valid financial account of the user, transmitting a result of the verification to the code allocation unit.   
     
     
         5 . The method according to  claim 1 , wherein the value transfer is a money deposit transaction or a money withdrawal transaction. 
     
     
         6 . The method according to  claim 1 , wherein the transmitting of the access code is by one or more of a remote data connection and an account balance statement printer. 
     
     
         7 . The method according to  claim 6 , wherein the remote data connection is a computer network or an automated telephone interface. 
     
     
         8 . The method according to  claim 1 , wherein:
 the access code comprises at least two partial codes; and   a first partial code from the at least two partial codes is to be transmitted to the user together with the receipt for the value transfer and a second partial code from the at least two partial codes is to be transmitted by an alternative method to the user.   
     
     
         9 . The method according to  claim 1 , wherein the financial account identifier information comprises at least one of a group including:
 data associated with a bank account number; and   data associated with a credit card number of the user.   
     
     
         10 . The method according to  claim 1 , further comprising transmitting the receipt for the value transfer to the code allocation unit. 
     
     
         11 . A non-transitory machine-readable storage medium having instruction data to cause a machine to:
 receive, from a code allocation unit, using at least one processor, an access code suitable for identifying a user to a business entity and a request to effect a value transfer utilizing a financial account identifier information of the user, the access code represented by an amount of value associated with the value transfer;   effect the requested value transfer only in response to a positive verification of the financial account identifier information representing a valid financial account of the user; and   transmit the access code to the user.   
     
     
         12 . The machine-readable medium according to  claim 11 , the amount of value is automatically selected by the code allocation unit. 
     
     
         13 . The machine-readable medium according to  claim 11 , comprising instruction data to cause a machine to transmit the access code to the user together with a receipt for the value transfer. 
     
     
         14 . The machine-readable medium according to  claim 11 , comprising instruction data to cause a machine to transmit a result of the verification to the code allocation unit in response to a negative verification of the financial account identifier information representing a valid financial account of the user. 
     
     
         15 . The machine-readable medium according to  claim 11 , wherein the value transfer is a money deposit transaction or a money withdrawal transaction. 
     
     
         16 . The machine-readable medium according to  claim 11 , wherein the transmitting of the access code is by one or more of a remote data connection and an account balance statement printer. 
     
     
         17 . The machine-readable medium according to  claim 16 , wherein the remote data connection is a computer network or an automated telephone interface. 
     
     
         18 . The machine-readable medium according to  claim 11 , wherein:
 the access code comprises at least two partial codes; and   a first partial code from the at least two partial codes is to be transmitted to the user together with the receipt for the value transfer and a second partial code from the at least two partial codes is to be transmitted by an alternative method to the user.   
     
     
         19 . The machine-readable medium according to  claim 11 , wherein the financial account identifier information comprises at least one of a group including:
 data associated with a bank account number; and   data associated with a credit card number of the user.   
     
     
         20 . The machine-readable medium according to  claim 11  comprising instruction data to cause a machine to transmit the receipt for the value transfer to the allocation unit.