Systems and methods for pre-staging ATM transactions

US11348077B2 · kind B2 · utility

Assignee

• CITIBANK, N.A. · US

Inventors

• Jayant M. Naik · Stamford, US
• Giridhar Kalpathy Narayanan · Redmond, US
• Matthew John Yuschik · Cincinnati, US
• Ajay Warrier · Mason, US
• Jiachun Zhang · Mason, US

Key dates

• Filing date: Dec 12, 2016
• Grant date: May 31, 2022
• Expiry date: Oct 25, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3821
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre-staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.