Cash access with automatic transaction machine with mobile phone

US10963851B2 · kind B2 · utility

Assignee

• Diebold Nixdorf Incorporated · US

Inventors

• Brian Block · North Canton, US
• Sergio de Olveira · Massillon, US
• Alex Klein · Westminster, GB
• Matt Zaugg · Munroe Falls, US
• Scott Dailey · Ann Arbor, US
• Eric Maibach · North Canton, US
• Stefan Bradstreet · North Canton, US
• Scott Witzke · North Canton, US
• Caleb Widmer · North Canton, US
• Shawn Reynolds · Wilmington, US

Key dates

• Filing date: Oct 7, 2016
• Grant date: Mar 30, 2021
• Expiry date: Mar 20, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3265
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A cash-dispensing banking terminal has a housing, a transmitter, a receiver, a cash dispenser, and a processor to control the cash dispenser. A pre-created transaction request was earlier 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 before the customer and the mobile device arrive at the cash-dispensing banking terminal. When the transaction is authenticated and authorized, a remote computer generates an executable transaction request and generates and sends a transaction identifier associated with an executable transaction request 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.