Mobile phone atm processing methods and systems
AssigneePaypal, Inc.
InventorKevin Laracey
Life of this patent
Estimating the term…
Abstract
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.
Claims17
1-27. (canceled)
A method for operating a mobile device to complete a transaction between an account holder and an automated teller machine (“ATM”), where the mobile device does not store payment account credentials, the method comprising:
- causing an ATM code to be captured by the mobile device, the ATM code presented to the account holder at a location of said ATM;
- transmitting, to a remote transaction management system, a transaction request message including information associated with said ATM code;
- transmitting, to said remote transaction management system, information identifying a selected payment account associated with said account holder for use in said transaction;
- and
- receiving, from said remote transaction management system, instructions to complete said transaction.
A method to operate a transaction management system to conduct a transaction, the method comprising:
- receiving a request to initiate a transaction from one of (i) a mobile device, and (ii) an automated teller machine (“ATM”) device;
- receiving, from said mobile device, information for use in identifying a user of said mobile device and information associated with an ATM token, said information associated with said ATM token captured by said mobile device at said ATM device;
- receiving, from said mobile device, a proxy associated with a transaction account for use in conducting a transaction at said ATM device;
- identifying, based at least in part on said proxy, actual payment account credentials;
- and
- authorizing said transaction using said actual payment account credentials.
A transaction management system, comprising:
- a computer storage unit for receiving, storing, and providing data associated with transactions;
- and
- a processor in communication with the storage unit, wherein the processor is configured for:
- receiving a request to initiate a transaction from one of (i) a mobile device, and (ii) an automated teller machine (“ATM”) device;
- receiving, from said mobile device, information for use in identifying a user of said mobile device and information associated with an ATM token, said information associated with said ATM token captured by said mobile device at said ATM device;
- receiving, from said mobile device, a proxy associated with a transaction account for use in conducting a transaction at said ATM device;
- identifying, based at least in part on said proxy, actual payment account credentials;
- and
- authorizing said transaction using said actual payment account credentials.
A method for operating a mobile device to conduct a transaction at an automated teller machine (“ATM”), the method comprising:
- causing an ATM code to be captured by the mobile device at an ATM;
- transmitting, to a transaction management system, a transaction request message including information associated with said ATM;
- transmitting, to said transaction management system, a proxy for use in identifying actual payment account credentials associated with a selected transaction account for use in said transaction;
- and
- receiving, from said transaction management system, instructions to complete said transaction.
Dependencies are inferred from the claim text.