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

US11676149B2 · 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
• Michael Hafer · Highlands Ranch, US
• Chris Cochran · Highlands Ranch, US

Key dates

• Filing date: Feb 18, 2022
• Grant date: Jun 13, 2023
• Expiry date: Feb 18, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/211
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.