SG10201702618QA - Electronic system and method for atm cash withdrawals - Google Patents

Electronic system and method for atm cash withdrawals

Info

Publication number
SG10201702618QA
SG10201702618QA SG10201702618QA SG10201702618QA SG10201702618QA SG 10201702618Q A SG10201702618Q A SG 10201702618QA SG 10201702618Q A SG10201702618Q A SG 10201702618QA SG 10201702618Q A SG10201702618Q A SG 10201702618QA SG 10201702618Q A SG10201702618Q A SG 10201702618QA
Authority
SG
Singapore
Prior art keywords
financial institution
atm
selected atm
cash
transaction data
Prior art date
Application number
SG10201702618QA
Inventor
Chaturvedi Abhishek
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201702618QA priority Critical patent/SG10201702618QA/en
Priority to US15/892,691 priority patent/US20180285843A1/en
Publication of SG10201702618QA publication Critical patent/SG10201702618QA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Software Systems (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

ELECTRONICSYSTEM AND METHOD FOR ATM CASH WITHDRAWALS The present disclosure generally relates to an electronic system and method for cash withdrawals from automated teller machines (ATMs). The system comprises a server operative within a financial network, the server configured for performing steps of the method, comprising: receiving, by a first financial institution which the user is a customer of and from the electronic device, a user request comprising details of a selected ATM and a cash amount to be withdrawn therefrom; generating, by the first financial institution, transaction data based on details of the user request, the transaction data including authentication data; communicating the authentication data from the first financial institution to the electronic device; communicating the transaction data from the first financial institution to a second financial institution operating the selected ATM; and reserving, by the second financial institution, the cash amount in the selected ATM for a predefined time period, wherein the reserved cash amount is withdrawable from the selected ATM in response to user input of the authentication data at the selected ATM within the predefined time period. FIG. 33
SG10201702618QA 2017-03-30 2017-03-30 Electronic system and method for atm cash withdrawals SG10201702618QA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201702618QA SG10201702618QA (en) 2017-03-30 2017-03-30 Electronic system and method for atm cash withdrawals
US15/892,691 US20180285843A1 (en) 2017-03-30 2018-02-09 Electronic system and method for atm cash withdrawals

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201702618QA SG10201702618QA (en) 2017-03-30 2017-03-30 Electronic system and method for atm cash withdrawals

Publications (1)

Publication Number Publication Date
SG10201702618QA true SG10201702618QA (en) 2018-10-30

Family

ID=63668719

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201702618QA SG10201702618QA (en) 2017-03-30 2017-03-30 Electronic system and method for atm cash withdrawals

Country Status (2)

Country Link
US (1) US20180285843A1 (en)
SG (1) SG10201702618QA (en)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10607455B1 (en) 2019-02-13 2020-03-31 The Toronto-Dominion Bank Automated teller machine providing withdrawals with a single authentication factor
US11037127B2 (en) * 2019-05-07 2021-06-15 Capital One Services, Llc Symbols to indicate which ATM to use
US11562351B2 (en) 2019-08-09 2023-01-24 Its, Inc. Interoperable mobile-initiated transactions with dynamic authentication
US11410194B1 (en) * 2019-10-18 2022-08-09 Wells Fargo Bank, N.A. Systems and methods for linking ATM to retailer transaction to preserve anonymity
US11507932B2 (en) * 2019-11-18 2022-11-22 Capital One Services, Llc Cardless ATM connectivity for denomination selection
US11145170B1 (en) 2020-05-27 2021-10-12 Bank Of America Corporation Automatic teller machine with pre-registration
JP6920705B1 (en) * 2020-10-14 2021-08-18 ビリングシステム株式会社 Deposit withdrawal systems, methods and programs
TR202105395A2 (en) * 2021-03-25 2021-07-26 Kuveyt Tuerk Katilim Bankasi Anonim Sirketi METHOD OF BLOCKING/RESERVING MONEY ON ATM DEVICE
JP2022173884A (en) * 2021-05-10 2022-11-22 日立チャネルソリューションズ株式会社 Touchless transaction method, touchless transaction system, transaction management device, and automatic transaction device
US11881087B2 (en) 2022-02-10 2024-01-23 Its, Inc. Fund disbursement at an automated teller machine (ATM) using a credit push

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015157295A1 (en) * 2014-04-08 2015-10-15 Capital One Financial Corporation Systems and methods for transacting at an atm using a mobile device
US9697505B2 (en) * 2014-09-19 2017-07-04 International Business Machines Corporation Automated financial transactions
US9558636B1 (en) * 2015-09-28 2017-01-31 Uniloc Luxembourg S.A. Automatic teller machine inventory and distribution system

Also Published As

Publication number Publication date
US20180285843A1 (en) 2018-10-04

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