SG11201809689VA - Method and system for cardless disbursement from an automated teller machine - Google Patents

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property 111101111011101 HIM 01101001111111111111111111H111111111011111111 Organization International Bureau (10) International Publication Number (43) International Publication Date .....0 WO 2018/005255 Al 04 January 2018 (04.01.2018) W I PO I PCT (51) International Patent Classification: (72) Inventors: BELIN, Max, Alexander; 19447 S.W. 65th G07F 19/00 (2006.01) GO6Q 20/32 (2012.01) Street, Pembroke Pines, FL 33332 (US). BRAGA, Der- (21) International Application Number: rick, Michael; 411 Verona Drive, Rochester Hills, MI 48307 (US). LAROSA, Theresa; 15097 Carrick Road, No- PCT/US2017/038896 blesville, IN 46062 (US). PAREJA MULLER, Ricardo; (22) International Filing Date: 1133 Shippan Avenue, Stamford, CT 06902 (US). GOOD- 23 June 2017 (23.06.2017) MAN, Daniel, Jason; 26 Dupont Avenue, White Plains, CT 10605 (US). PAGE, Scott, J.; 27807 Fox Drive, Wright (25) Filing Language: English City, MO 63390 (US). BUGH, Jill, Boyd; 14247 Man- (26) Publication Language: English derleigh Woods Drive, Town and Country, MO 63017 (30) Priority Data: (US). HILL, Dennis; 2 Rainier Court, O'Fallon, MO 63366 (US). BHAGAT, Deepankar; 15632 Summer Lake Dri- 62/356,104 29 June 2016 (29.06.2016) US ye, Chesterfield, MO 63017 (US). KOLETSKY, Barry, (71) Applicant: MASTERCARD INTERNATIONAL IN- Seth; 1235 Greenland Hammock, DeLand, FL 32720 (US). CORPORATED [US/US]; 2000 Purchase Street, Pur- MCMILLIN, Glen, R.; 229 Camelot Drive, Liberty, MO chase, NY 10577 (US). 64068 (US). (54) Title: METHOD AND 100 Disbursing SYSTEM FOR CARDLESS DISBURSEMENT FROM AN AUTOMATED TELLER MACHINE Entity 112 Payment 106 108 104 . — 0 -.--------------r- % Issuing Institution 110 102 Network ,-, (57) : A method for ir) automated teller machine (ATM), It In a transaction amount; electronically r'l In first computing system; receiving, by a receiving device of the ATM, a transaction account number 0 electronically transmitting, by • -.., © amount to an acquiring institution; GC indicates approval of the withdrawal C 1-1 having a value equivalent to the transaction amount. r'l Recipient 4 .o: cardless the Automated withdrawal from an automated teller machine includes: receiving, user input comprising at least: a first code, a device identifier associated transmitting, by the ATM, at least the first code, device identifier, ATM, a withdrawal request including at least the transaction account receiving, by the receiving request; and dispensing, by a dispensing module of the ATM, Machine FIG. Teller 1 device of the ATM, an indication from one Institution Acquiring from with and the acquiring institution that or the first computing system; number 114 by an input device of an a computing device, and the transaction amount to a and the transaction more payment instruments O [Continued on next page] WO 2018/005255 Al MIDEDIMOMOIDEIREEMOMIIMIHMOIMEN (74) Agent: DOBBYN, Coim, J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))