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    Cash access with automatic transaction machine with mobile phone
    3.
    发明授权
    Cash access with automatic transaction machine with mobile phone 有权

    公开(公告)号：US10963851B2

    公开(公告)日：2021-03-30

    申请号：US15288593

    申请日：2016-10-07

    申请人： Diebold, Incorporated

    发明人： Brian Block ,  Sergio de Olveira ,  Alex Klein ,  Matt Zaugg ,  Scott Dailey ,  Eric Maibach ,  Stefan Bradstreet ,  Scott Witzke ,  Caleb Widmer ,  Shawn Reynolds

    IPC分类号： G06Q20/40 ,  G06Q20/10 ,  G07F19/00 ,  G06Q20/32

    摘要： A cash-dispensing banking terminal has a housing, a transmitter, a receiver, a cash dispenser, and a processor to control the cash dispenser. A pre-created transaction request was earlier created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request before the customer and the mobile device arrive at the cash-dispensing banking terminal. When the transaction is authenticated and authorized, a remote computer generates an executable transaction request and generates and sends a transaction identifier associated with an executable transaction request to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and/or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal.

    CASH ACCESS WITH AUTOMATIC TRANSACTION MACHINE WITH MOBILE PHONE
    4.
    发明申请
    CASH ACCESS WITH AUTOMATIC TRANSACTION MACHINE WITH MOBILE PHONE 审中-公开

    公开(公告)号：US20180300698A1

    公开(公告)日：2018-10-18

    申请号：US15767092

    申请日：2016-10-07

    申请人： DIEBOLD, INCORPORATED

    发明人： Brian Block ,  Alex Klein ,  Matt Zaugg ,  Sergio de Oliveira ,  Scott DAILEY ,  Eric Maibach ,  Stefan Bradstreet ,  Scott Witzke ,  Caleb Widmer ,  Shawn Reynolds

    IPC分类号： G06Q20/10 ,  G06Q20/32 ,  G06Q20/40 ,  G07F19/00

    摘要： A cash-dispensing banking terminal can execute a transaction request created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request. When the transaction is authenticated and authorized, the remote computing device generates an executable transaction request and sends a transaction identifier to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and/or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal. The amount of the cash withdrawal is pre-deducted from the banking account of the banking customer before the banking customer is at the banking terminal.