ATM PROVIDED PAYMENT PROCESS
First Claim
1. A method for providing payment via an ATM, the method comprising:
- receiving from a user, via an ATM, a user alias that enables the user to send or receive payments via the ATM, wherein the user alias comprises a unique username created by the user that identifies the user and accounts associated with the user alias;
verifying the user alias and accounts associated with the user alias;
providing the user with access to the ATM and an interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM;
receiving payment instructions from the user via the ATM in response to providing the user with the interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM, wherein the payment instructions include a payment amount and a payment receiver alias, wherein the payment receiver alias comprises a unique username created by the payment receiver that identifies the payment receiver and an account associated with the payment receiver alias;
determining, via a computing device, from the payment receiver alias inputted by the user, that the payment receiver is a registered payment receiver able to accept payment, wherein the payment receiver has previously provided the payment receiver alias and associated the payment receiver alias with an account known to a financial institution to receive payments;
determining payment limits for the one or more payment accounts of the user and the payment receiver, wherein the payment limits are provided by an account owner and are a maximum amount that the one or more payment accounts can be used to send or receive payments via the ATM;
communicating a payment notification to the payment receiver based on the payment receiver being the registered payment receiver; and
transferring a payment from an account associated with the user alias to an account associated with the payment receiver alias.
1 Assignment
0 Petitions
Accused Products
Abstract
System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM.
14 Citations
24 Claims
-
1. A method for providing payment via an ATM, the method comprising:
-
receiving from a user, via an ATM, a user alias that enables the user to send or receive payments via the ATM, wherein the user alias comprises a unique username created by the user that identifies the user and accounts associated with the user alias; verifying the user alias and accounts associated with the user alias; providing the user with access to the ATM and an interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM; receiving payment instructions from the user via the ATM in response to providing the user with the interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM, wherein the payment instructions include a payment amount and a payment receiver alias, wherein the payment receiver alias comprises a unique username created by the payment receiver that identifies the payment receiver and an account associated with the payment receiver alias; determining, via a computing device, from the payment receiver alias inputted by the user, that the payment receiver is a registered payment receiver able to accept payment, wherein the payment receiver has previously provided the payment receiver alias and associated the payment receiver alias with an account known to a financial institution to receive payments; determining payment limits for the one or more payment accounts of the user and the payment receiver, wherein the payment limits are provided by an account owner and are a maximum amount that the one or more payment accounts can be used to send or receive payments via the ATM; communicating a payment notification to the payment receiver based on the payment receiver being the registered payment receiver; and transferring a payment from an account associated with the user alias to an account associated with the payment receiver alias. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A computer program product for providing payments via an ATM, the computer program product comprising a non-transitory computer-readable medium having computer-executable instructions for performing:
-
receiving from a user, via an ATM, a user alias that enables the user to send or receive payments via the ATM, wherein the user alias comprises a unique username created by the user that identifies the user and accounts associated with the user alias; verifying the user alias and accounts associated with the user alias; providing the user with access to the ATM and an interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM; receiving payment instructions from the user via the ATM in response to providing the user with the interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM, wherein the payment instructions include a payment amount and a payment receiver alias, wherein the payment receiver alias comprises a unique username created by the payment receiver that identifies the payment receiver and an account associated with the payment receiver alias; determining, via a computing device, from the payment receiver alias inputted by the user, that the payment receiver is a registered payment receiver able to accept payment, wherein the payment receiver has previously provided the payment receiver alias and associated the payment receiver alias with an account known to a financial institution to receive payments; determining payment limits for the one or more payment accounts of the user and the payment receiver, wherein the payment limits are provided by an account owner and are a maximum amount that the one or more payment accounts can be used to send or receive payments via the ATM; communicating a payment notification to the payment receiver based on the payment receiver being the registered payment receiver; and transferring a payment from an account associated with the user alias to an account associated with the payment receiver alias. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
-
-
17. A system for providing payments via an ATM, the system comprising:
-
a computer apparatus including a processor and a memory; and an online payment module stored in the memory, executable by the processor and configured to; receive from a user, via an ATM, a user alias that enables the user to send or receive payments via the ATM, wherein the user alias comprises a unique username created by the user that identifies the user and accounts associated with the user alias; verify the user alias and accounts associated with the user alias; provide the user with access to the ATM and an interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM; receive payment instructions from the user via the ATM in response to providing the user with the interface that enables the user to select one or more accounts associated with the user alias that the user wishes to use for payment via the ATM, wherein the payment instructions include a payment amount and a payment receiver alias, wherein the payment receiver alias comprises a unique username created by the payment receiver that identifies the payment receiver and an account associated with the payment receiver alias; determine from the payment receiver alias inputted by the user, that the payment receiver is a registered payment receiver able to accept payment, wherein the payment receiver has previously provided the payment receiver alias and associated the payment receiver alias with an account known to a financial institution to receive payments; determine payment limits for the one or more payment accounts of the user and the payment receiver, wherein the payment limits are provided by an account owner and are a maximum amount that the one or more payment accounts can be used to send or receive payments via the ATM; communicate a payment notification to the payment receiver based on the payment receiver being the registered payment receiver; and transfer a payment from an account associated with the user alias to an account associated with the payment receiver alias. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
-
Specification