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ATM PROVIDED PAYMENT PROCESS

  • US 20150073984A1
  • Filed: 11/20/2014
  • Published: 03/12/2015
  • Est. Priority Date: 07/14/2011
  • Status: Abandoned Application
First Claim
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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.

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