US 11,676,149 B2
Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets
Jerry McCarley, Spring, TX (US); Mohammad Fraz Ahmed, Sugarland, TX (US); Michael Winbun, Houston, TX (US); Tammy Marks, Arlington, TX (US); Brad Nolan, Granville, OH (US); Paul Gardiner, Plano, TX (US); Michael Hafer, Highlands Ranch, CO (US); and Chris Cochran, Highlands Ranch, CO (US)
Assigned to NCR Corporation, Atlanta, GA (US)
Filed by NCR Corporation, Atlanta, GA (US)
Filed on Feb. 18, 2022, as Appl. No. 17/675,262.
Application 17/675,262 is a continuation in part of application No. 16/844,477, filed on Apr. 9, 2020.
Claims priority of provisional application 62/832,642, filed on Apr. 11, 2019.
Prior Publication US 2022/0180365 A1, Jun. 9, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/20 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving a transaction request at an issuer application programming interface (API) associated with an account holder, the issuer API running on a first processor;
validating and authorizing the transaction request at the issuer API;
forwarding information about the transaction from the issuer API to an internal API associated with an automated teller machine (ATM), the internal API running on a second processor;
generating a unique identifier for the transaction request at the issuer API or at the internal API;
providing the unique identifier to a user;
receiving the unique identifier from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM;
providing the unique identifier from the ATM to the internal API to confirm a validity of the transaction; and
implementing the transaction at the ATM by one or more of (i) dispensing cash to the user and (ii) accepting a deposit from the user.