Invention Grant
- Patent Title: Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets
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Application No.: US16844477Application Date: 2020-04-09
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Publication No.: US11636454B2Publication Date: 2023-04-25
- Inventor: Jerry McCarley , Mohammad Fraz Ahmed , Michael Winbun , Tammy Marks , Brad Nolan , Paul Gardiner
- Applicant: Cardtronics USA Inc.
- Applicant Address: US TX Houston
- Assignee: Cardtronics USA Inc.
- Current Assignee: Cardtronics USA Inc.
- Current Assignee Address: US TX Houston
- Agency: Notaro, Michalos & Zaccaria P.C.
- Agent John S. Economou
- Main IPC: G06Q20/10
- IPC: G06Q20/10 ; G06Q40/02 ; G06Q20/42 ; G06Q20/32 ; G06Q20/40 ; G06F9/54 ; G06Q20/36

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.
Public/Granted literature
Information query