Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets

US11636454B2 · kind B2 · utility

Assignee

• NCR Corporation · US

Inventors

• Jerry McCarley · Houston, US
• Mohammad Fraz Ahmed · Rua Engenheiro Marcondes Ferraz, US
• Michael Winbun · Houston, US
• Tammy Marks · Arlington, US
• Brad Nolan · Granville, US
• Paul Gardiner · Plano, US

Key dates

• Filing date: Apr 9, 2020
• Grant date: Apr 25, 2023
• Expiry date: Apr 9, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided for routing transactions from ATMs. In one embodiment, a method is provided that includes receiving a unique identifier that corresponds to a transaction requested by a user. In certain implementations, the unique identifier may be presented to the user by a third party separate from a provider of the ATM. The method may further include routing the unique identifier to an application programming interface affiliated with a provider of the ATM to confirm the transaction's validity. In certain implementations, the method may further comprise implementing the transaction and updating a settlement account to reflect the transaction.