CPC G06Q 20/4014 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/20 (2013.01)] | 20 Claims |
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.
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