Michael Winbun

Title: Michael Winbun: A Pioneer in Transaction Routing Systems

Introduction

Michael Winbun is an innovative inventor based in Houston, TX, known for his contributions to transaction routing technologies. With a total of two patents to his name, Winbun has made significant strides in enhancing the efficiency and security of financial transactions through automated teller machines (ATMs) and software wallets.

Latest Patents

Michael Winbun's latest patents focus on methods and systems for routing transactions between various financial touchpoints. His primary invention involves a system and method that streamlines ATM transactions without the need for traditional banking cards. The external application programming interface (API) associated with the account holder verifies the transaction request, which is subsequently routed to an internal API linked to the ATM. This innovative approach allows users to engage in cash withdrawals or deposits using a unique identifier, further enhancing security and convenience.

Additionally, Winbun's second patent centers on systems that facilitate transaction routing from ATMs. This method includes receiving a unique identifier related to a transaction requested by a user. The identifier can be presented by a third party, and it is confirmed for validity through a dedicated API. The comprehensive nature of these patents reflects Winbun's vision for a seamless financial transaction environment.

Career Highlights

Michael Winbun is associated with NCR Corporation, where he has played an integral role in advancing transaction technologies. His work focuses on developing systems that intersect financial institutions and service providers, ensuring efficient and user-friendly transactions. Winbun's contributions are critical to enhancing customer experiences at ATMs and other financial service endpoints.

Collaborations

Throughout his career, Michael has collaborated with talented coworkers such as Jerry McCarley and Mohammad Fraz Ahmed. These collaborations highlight the importance of teamwork in driving innovation within the industry. Together, they have worked to refine transaction solutions that respond effectively to user needs and industry trends.

Conclusion

Michael Winbun's innovative approach to transaction routing has positioned him as a key player in the field of financial technology. His patents not only illustrate his commitment to improving transaction processes but also set the foundation for future advancements in the industry. As transaction technologies continue to evolve, Winbun's contributions will undoubtedly leave a lasting impact on how consumers interact with financial services.