Method and system for using machine-readable codes to perform automated teller machine transactions through a mobile communications device
First Claim
1. A method of conducting a transaction, the method comprising:
- by a computer system comprising one or more processors;
receiving an ATM transaction request to perform an automatic teller machine (ATM) transaction from a customer, the ATM transaction request comprising one of a cash withdrawal request and a deposit request;
providing the ATM transaction request to a bank associated with the customer, the ATM transaction request associated with a bank account of the customer;
receiving an authorization associated with the ATM transaction request and the bank account; and
in response to receiving the authorization, providing a machine-readable ATM transaction code to an ATM to thereby cause the ATM to perform the ATM transaction, the machine-readable ATM transaction code comprising data configured to represent authorization details associated with the requested ATM transaction.
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Accused Products
Abstract
The present disclosure provides a number of systems and associated processes for using machine-readable codes to perform a transaction. Embodiments of the present disclosure provide a system and associated processes for consolidating and replacing various forms of payment (e.g. credit cards, debit cards, and cash) with a single payment system. Further, embodiments of the present disclosure provide a system and associated processes for reordering a product provided by a product provider. Moreover, embodiments of the present disclosure provide a system and associated processes for accepting a gift, or gift transaction, associated with a gift card. In addition, embodiments of the present disclosure provide a system and associated processes for performing an Automatic Teller Machine (ATM) transaction using a machine-readable code.
60 Citations
26 Claims
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1. A method of conducting a transaction, the method comprising:
by a computer system comprising one or more processors; receiving an ATM transaction request to perform an automatic teller machine (ATM) transaction from a customer, the ATM transaction request comprising one of a cash withdrawal request and a deposit request; providing the ATM transaction request to a bank associated with the customer, the ATM transaction request associated with a bank account of the customer; receiving an authorization associated with the ATM transaction request and the bank account; and in response to receiving the authorization, providing a machine-readable ATM transaction code to an ATM to thereby cause the ATM to perform the ATM transaction, the machine-readable ATM transaction code comprising data configured to represent authorization details associated with the requested ATM transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for conducting a transaction, the system comprising:
a client transaction processor configured to; receive an ATM transaction request to perform an automatic teller machine (ATM) transaction from a customer, the ATM transaction request comprising one of a cash withdrawal request and a deposit request; provide the ATM transaction request to a bank associated with the customer, the ATM transaction request associated with a bank account of the customer; receive an authorization associated with the ATM transaction request and the bank account; and in response to receiving the authorization, provide a machine-readable ATM transaction code to an ATM to thereby cause the ATM to perform the ATM transaction, the machine-readable ATM transaction code comprising data configured to represent authorization details associated with the requested ATM transaction. - View Dependent Claims (13, 14, 15, 16)
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17. Non-transitory physical computer storage comprising computer-executable instructions configured to implement a system for conducting a transaction, the system configured to at least:
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receive an ATM transaction request to perform an automatic teller machine (ATM) transaction from a customer, the ATM transaction request comprising one of a cash withdrawal request and a deposit request; provide the ATM transaction request to a bank associated with the customer, the ATM transaction request associated with a bank account of the customer; receive an authorization associated with the ATM transaction request and the bank account; and in response to receiving the authorization, provide a machine-readable ATM transaction code to an ATM to thereby cause the ATM to perform the ATM transaction. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification