Diebold Nixdorf, Incorporated

Eric Maibach

Brian Block

Matt Zaugg

Alex Klein

Scott Dailey

Caleb Widmer

Shawn Reynolds

Sergio De Olveira

Stefan Bradstreet

Scott Witzke

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

Growing community of inventors

North Canton, OH, United States of America

Eric Maibach