Invention Grant
- Patent Title: Systems and methods for processing preauthorized automated banking machine-related transactions
-
Application No.: US17185879Application Date: 2021-02-25
-
Publication No.: US11501272B2Publication Date: 2022-11-15
- Inventor: Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Epher Mendoza , Adam Axe
- Applicant: MASTERCARD INTERNATIONAL INCORPORATED
- Applicant Address: US NY Purchase
- Assignee: MASTERCARD INTERNATIONAL INCORPORATED
- Current Assignee: MASTERCARD INTERNATIONAL INCORPORATED
- Current Assignee Address: US NY Purchase
- Main IPC: G06Q20/10
- IPC: G06Q20/10 ; G06Q20/40 ; G07F19/00 ; G06Q20/32

Abstract:
Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.
Public/Granted literature
- US20210182816A1 SYSTEMS AND METHODS FOR PROCESSING PREAUTHORIZED AUTOMATED BANKING MACHINE-RELATED TRANSACTIONS Public/Granted day:2021-06-17
Information query