公开(公告)号：US20210272079A1

公开(公告)日：2021-09-02

申请号：US17303103

申请日：2021-05-20

申请人： FISERV, INC.

发明人： Carol Jackie Lucia Specogna ,  Kevin Gilbert

IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G06Q20/38

摘要： Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.

公开(公告)号：US11074561B2

公开(公告)日：2021-07-27

申请号：US16020714

申请日：2018-06-27

申请人： Fiserv, Inc.

发明人： Daneen Elaine Cady ,  Kevin Gilbert

IPC分类号： G06Q20/02 ,  G06Q20/10 ,  G06Q20/36 ,  G07F19/00 ,  H04L9/32 ,  G06Q40/02 ,  G06Q20/32 ,  H04L9/08

摘要： Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.

公开(公告)号：US20190005474A1

公开(公告)日：2019-01-03

申请号：US16020714

申请日：2018-06-27

申请人： Fiserv, Inc.

发明人： Daneen Elaine Cady ,  Kevin Gilbert

IPC分类号： G06Q20/10 ,  G06Q20/36 ,  G06Q40/02 ,  H04L9/32 ,  G07F19/00

摘要： Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.