US 12,437,286 B2
Cash transaction machine
Matthew W. Janiga, South San Francisco, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Feb. 10, 2023, as Appl. No. 18/167,792.
Application 18/167,792 is a continuation of application No. 16/430,379, filed on Jun. 3, 2019, granted, now 11,610,191.
Application 16/430,379 is a continuation of application No. 14/662,144, filed on Mar. 18, 2015, granted, now 10,354,246, issued on Jul. 16, 2019.
Prior Publication US 2023/0206209 A1, Jun. 29, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G07F 19/00 (2006.01)
CPC G06Q 20/3224 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/401 (2013.01); G06Q 20/4015 (2020.05); G07F 19/203 (2013.01); G07F 19/204 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, by a payment service system of a payment service and through a mobile payment application executing on a mobile device of a user, a request for a cash withdrawal transaction, wherein the request includes location data associated with a location of the mobile device;
identifying, by the payment service system and based at least in part on the location data of the mobile device of the user, a cash transaction machine (CTM) that is physically located within a vicinity of the location of the mobile device, wherein the CTM comprises an Automated Teller Machine (ATM) associated with a financial institution, a point-of-sale (POS) system, or a device of another user of the payment service;
causing presentation of, by the payment service system and on a display of the mobile device, a physical location of the CTM;
generating, by the payment service system, a temporary transaction code, wherein the temporary transaction code is configured to authenticate the user to at least the CTM, wherein the temporary transaction code is configured to be active from a first time to a second time, and wherein the second time is the earlier of expiration of a predetermined period of time after the first time or when a change in the location data of the mobile device indicates that a position of the mobile device is outside of a geo-fence associated with the CTM;
provisioning, by the payment service system at the first time, the temporary transaction code to the mobile payment application;
validating the cash withdrawal transaction based on proximity-based communications between the mobile device of the user and the CTM; and
in response to receiving a notification of the cash withdrawal transaction using the temporary transaction code, modifying a ledger associated with the payment service.