| CPC G06Q 20/1085 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/3255 (2013.01); G06Q 20/385 (2013.01); G07F 19/211 (2013.01)] | 20 Claims |
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1. A computer-implemented system comprising:
at least one physical computing device that is communicatively coupled, by way of a network, to an automated teller machine (ATM) and to an electronic payment system, and that:
detects, in the electronic payment system, an electronic payment of an amount of virtual funds from a sender registered with the electronic payment system to a recipient, wherein the recipient has not registered with the electronic payment system and the electronic payment in the electronic payment system is addressed to a unique recipient identifier of the recipient;
determines, from the electronic payment system, the unique recipient identifier to which the electronic payment is addressed in the electronic payment system;
initiates, in response to the detection of the electronic payment in the electronic payment system and using the unique recipient identifier to which the electronic payment is addressed in the electronic payment system, a transmission of a payment notification to the unique recipient identifier of the recipient, the payment notification including a transaction identifier for presentation by a computing device of the recipient and a link to information about ATM locations at which the recipient may convert the electronic payment to physical currency, the information about the ATM locations including a location of the ATM;
receives a notification verifying that the ATM has sufficient physical currency funds at the location to disburse the physical currency for the amount of virtual funds;
receives, by way of user input to the ATM, the transaction identifier;
verifies that the transaction identifier represents, in the electronic payment system, the electronic payment of the amount of virtual funds from the sender to the recipient by way of the electronic payment system;
sends, to the ATM, a notification of the verification of the transaction identifier;
receives, from the ATM, an access code request generated in response to the notification of the verification of the transaction identifier;
generates, based on the access code request, an access code for the electronic payment;
initiates a transmission of the access code to the computing device of the recipient;
receives, by way of additional user input to the ATM, the access code for the electronic payment;
validates the received access code for the electronic payment; and
directs, in response to the validation of the received access code, the ATM to disburse the amount of virtual funds of the electronic payment in physical currency to the recipient.
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