# US 2017/0286931 A1 · Automated teller machine control server native format

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- Number: US 2017/0286931 A1
- Document ID: US20170286931A1
- Status: Published application
- Kind: A1
- Application number: 15/629,389
- Filed: 2017-06-21
- Published: 2017-10-05
- Earliest claimed: 2000-11-22
- Assignees: American Express Travel Related Services Company, Inc.
- Applicants: American Express Travel Related Services Company, Inc.
- Inventors: Catherine L. Amann; Arthur Barnett; Jaromir G. Divilek; Garling Lee; Eric T. Nissenbaum
- Web page: https://patentgrep.com/patent/US20170286931A1

## CPC

- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G07F 19/20: {Automatic teller machines [ATMs]}
- G07F 19/202: {Depositing operations within ATMs (depositing in general G07D11/00)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM.

## Claims

### Claim 1

A computer-implemented method comprising:
selecting, by a computer-based system and according to a terminal type data code contained in a payment request, an automated teller machine control server native format to determine a matching protocol interface;
translating, by the computer-based system, the payment request into the automated teller machine control server native format;
transmitting, by the computer-based system, the payment request to an automated teller machine for dispensing a payment in compliance with the payment request.

### Claim 2 (depends on 1)

The method of claim 1, wherein a cash payment server is operative to transmit the payment request to the automated teller machine control server associated with the automated teller machine control server native format.

### Claim 3 (depends on 1)

The method of claim 1, wherein the automated teller machine control server is operative to generate and transmit payment instructions and a personal identification code to an automated teller machine to enable the automated teller machine to dispense the payment to the payee, in response to receipt of the personal identification code by the payee in satisfaction of the transaction.

### Claim 4 (depends on 1)

The method of claim 1, wherein a cash payment server is operative to translate the payment request into multiple native formats of a plurality of disparate automated teller machine control servers.

### Claim 5 (depends on 1)

The method of claim 1, wherein the automated teller machine control server is operative to receive a first response generated by an automated teller machine indicating that the automated teller machine has received payment instructions.

### Claim 6 (depends on 1)

The method of claim 1, wherein a cash payment server is operative to receive a second response from the automated teller machine control server, translate the second response into a peer-to-peer native format, and transmit the second response to a peer-to-peer server.

### Claim 7 (depends on 1)

The method of claim 1, wherein an automated teller machine dispenses an amount specified by payment request, in response to a personal identification code.

### Claim 8 (depends on 1)

The method of claim 1, wherein the payment request is received from a payor computing device over a computer network, the payment request including the data code indicating the automated teller machine control server native format.

### Claim 9 (depends on 1)

The method of claim 1, wherein a cash payment server and the automated teller machine control server are part of a peer-to-peer server system.

### Claim 10 (depends on 1)

The method of claim 1, further comprising debiting, by the computer-based system, a financial account of a payor, wherein a payor computing device is associated with the payor, wherein the payment request is associated with a transaction between the payor and a payee.

### Claim 11 (depends on 1)

The method of claim 1, wherein the selecting is based on a data code.

### Claim 12 (depends on 1)

The method of claim 1, wherein the automated teller machine control server native format defines an arrangement of data to enable the communications between a cash payment server and the automated teller machine control server.

### Claim 13 (depends on 1)

The method of claim 1, wherein the automated teller machine control server native format and a cash payment server native format are not interoperable.

### Claim 14 (depends on 1)

The method of claim 1, wherein the selecting the automated teller machine control server native format is from a plurality of automated teller machine control server native formats.

### Claim 15 (depends on 1)

The method of claim 1, wherein the automated teller machine control server native format enables communications between a cash payment server executing request translation software and an automated teller machine control server.

### Claim 16 (depends on 1)

The method of claim 1, wherein the translating uses request translation software.

### Claim 17 (depends on 1)

The method of claim 1, wherein the automated teller machine control server native format determines a matching protocol interface.

### Claim 18 (depends on 1)

The method of claim 1, wherein a payor computing device and a cash payment server are in communication according to a native format of a peer-to-peer server system.

### Claim 19

A system comprising:
a processor,
a tangible, non-transitory memory configured to communicate with the processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to be configured for performing operations comprising:
selecting, by the processor and according to a terminal type data code contained in a payment request, an automated teller machine control server native format to determine a matching protocol interface;
translating, by the processor, the payment request into the automated teller machine control server native format;
transmitting, by the processor, the payment request to an automated teller machine for dispensing a payment in compliance with the payment request.

### Claim 20

An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:
selecting, by the computer-based system and according to a terminal type data code contained in a payment request, an automated teller machine control server native format to determine a matching protocol interface;
translating, by the computer-based system, the payment request into the automated teller machine control server native format;
transmitting, by the computer-based system, the payment request to an automated teller machine for dispensing a payment in compliance with the payment request.
