Citibank, N.a.

Jiachun Zhang

Matthew John Yuschik

Jayant M Naik

Giridhar Narayanan

Ajay Warrier

Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre-staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.

Growing community of inventors

Mason, OH, United States of America

Jiachun Zhang