Cash access with automatic transaction machine with mobile phone
a technology of automatic transaction machine and mobile phone, which is applied in the direction of atm details, atm software, instruments, etc., can solve the problems of lack of card reader and lack of more than three customer interface buttons
Inactive Publication Date: 2018-10-18
DIEBOLD NIXDORF
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- Description
- Claims
- Application Information
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Benefits of technology
The patent describes a cash-dispensing banking terminal that can receive a pre-created banking transaction request from a mobile device and verify it before the customer reaches the terminal. The transaction request can include a request to dispense cash and can be authenticated and authorized by the remote computer or another device. The terminal can also communicate with the mobile device to receive the transaction identifier and verify its validity before performing the transaction. The technical effect of this patent is to enable a more efficient and secure way of dispensing cash at a banking terminal, without the need for a physical keypad or card reader.
Problems solved by technology
The ATM banking terminal is unlike popular traditional ATMs because it lacks a keypad, lacks a card reader, and lacks more than three customer interface buttons.
Method used
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[0036]Details are set forth in the following description and in FIGS. 1-19 provide a thorough understanding of various embodiments of the invention. Those of ordinary skill in the art will understand that the example embodiments may have additional components and configurations that may be practiced without several of the details described below. In some instances, persons of ordinary skill in the art will appreciate that the methods and systems described herein can include additional details without departing from the spirit or scope of the disclosed embodiments. Additionally, some known structures and systems associated with automated transaction machines (ATMs), mobile devices, and associated computer networks have not been shown or described in detail below to avoid unnecessarily obscuring the described embodiments.
[0037]Additionally, functionality of components of the systems described below may be implemented with one or more processors executing software instructions and / or b...
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A cash-dispensing banking terminal can execute a transaction request created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request. When the transaction is authenticated and authorized, the remote computing device generates an executable transaction request and sends a transaction identifier to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and / or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal. The amount of the cash withdrawal is pre-deducted from the banking account of the banking customer before the banking customer is at the banking terminal.
Description
CROSS REFERENCE TO RELATED APPLICATIONS[0001]This application claims the benefit under 35 U.S.C. § 119 of U.S. Provisional Application No. 62 / 239,589 filed Oct. 9, 2015 and U.S. Provisional Application No. 62 / 246,038 filed Oct. 24, 2015, both of which are herein incorporated by reference.FIELD OF THE INVENTION[0002]Various configurations of the current invention relate generally to apparatus, systems, and methods allowing a customer to more efficiently bank. More particularly, the apparatus, systems, and methods relate to allowing customers to use a mobile phone for some banking transactions. Particularly, the apparatus, systems, and methods relate to allowing customers to use a mobile phone for withdrawing cash from an automatic transaction machine (ATM).BACKGROUND[0003]At most modern cash machines, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip that contains a unique card number and some security information su...
Claims
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IPC IPC(8): G06Q20/10G06Q20/32G06Q20/40G07F19/00
CPCG06Q20/1085G06Q20/3223G06Q20/3278G06Q20/40145G07F19/206G06Q20/3265G06Q20/32
Inventor BLOCK, BRIANKLEIN, ALEXZAUGG, MATTOLIVEIRA, SERGIO DEDAILEY, SCOTTMAIBACH, ERICBRADSTREET, STEFANWITZKE, SCOTTWIDMER, CALEBREYNOLDS, SHAWN
Owner DIEBOLD NIXDORF