Paypal, Inc.

Kiran Kumar Sridhar

Teddy Vincent Toms

Aditya Jain

Balaji Raja

Paul Sheard

Mitendra Mahto

Methods, systems, and computer program products for secure cardless cash withdrawal are disclosed. For example, a computer-implemented method may include detecting presence of a user device at an automated teller machine (ATM) by one or more sensors, requesting an authorization indicator for a cash request in response to the detecting, receiving the authorization indicator associated with the cash request at the ATM where presentation of the authorization indicator at any one of a plurality of ATMs would authorize the cash request, and distributing funds associated with the cash request in response to receiving the authorization indicator.

Secure cardless cash withdrawal

An embodiment includes a method of multi-leg transaction processing. The method includes receiving from a merchant server, a designation of two or more sub-transactions of a pending multi-leg transaction as a coupled group. The execution of any of the two or more sub-transactions in the coupled group is dependent on prior authorization of each of the two or more sub-transactions. The method includes receiving transaction input used to indicate conditional execution of the multi-leg transaction. Prior to execution of the multi-leg transaction and in substantially real time, the method includes determining whether each of the two or more sub-transactions in the coupled group is authorized. In response to any of the two or more sub-transactions being unauthorized, the method includes preventing execution of the multi-leg transaction. In response to authorization of each of the two or more sub-transactions, the method includes executing the multi-leg transaction non-sequentially.

Multi-leg transaction processing

Methods, systems, and computer program products for secure cardless cash withdrawal are provided. A computer-implemented method may include identifying one or more cash machines near a computing device of a user, receiving a cash request from the computing device, generating a one-time authorization code on a secure server for the cash request when the computing device is detected by a sensor of a selected cash machine, providing the one-time authorization code to the computing device for display to the user when the computing device is detected within a distance allowing the user to operate the cash machine, validating a user-provided code received from the selected cash machine in view of the one-time authorization code, instructing the selected cash machine to distribute the requested cash when the user-provided code is validated, and invalidating the one-time authorization code when the cash request is completed.

Growing community of inventors

Milpitas, CA, United States of America

Kiran Kumar Sridhar