Mobile phone ATM processing methods and systems
First Claim
Patent Images
1. A method for operating a mobile device to complete a transaction between an account holder and an automated teller machine (“
- ATM”
), the method comprising;
causing an ATM code to be captured by the mobile device, the ATM code presented to the account holder at a location of said ATM;
transmitting, to a remote transaction management system, a transaction request message including information associated with said ATM code;
receiving, from said transaction management system, information identifying a list of available transaction accounts associated with said account holder;
transmitting, to said remote transaction management system, information identifying a selected transaction account associated with said account holder for use in said transaction; and
receiving, from said transaction management system, instructions to complete said transaction.
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0 Petitions
Accused Products
Abstract
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.
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Citations
26 Claims
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1. A method for operating a mobile device to complete a transaction between an account holder and an automated teller machine (“
- ATM”
), the method comprising;causing an ATM code to be captured by the mobile device, the ATM code presented to the account holder at a location of said ATM; transmitting, to a remote transaction management system, a transaction request message including information associated with said ATM code; receiving, from said transaction management system, information identifying a list of available transaction accounts associated with said account holder; transmitting, to said remote transaction management system, information identifying a selected transaction account associated with said account holder for use in said transaction; and receiving, from said transaction management system, instructions to complete said transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
- ATM”
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26. A transaction system, comprising:
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a mobile device, said mobile device associated with an account holder and an automated teller machine (“
ATM”
) in communication with a transaction management system, said transaction management system configured tocause an ATM code to be generated in response to a request from said ATM; transmit said ATM code to said ATM; receive, from said mobile device, a transaction request message including information associated with said ATM code, information associated with said account holder and information associated with said mobile device, said information usable to identify a transaction to be conducted at said ATM; transmit, to said mobile device, information identifying a list of available transaction accounts associated with said account holder; receive, from said mobile device, information identifying a selected transaction account for use in said transaction; and transmit, to said ATM, instructions to complete said transaction for said account holder.
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Specification