Ncr Corporation

The Western Union Company

First Date Corporation

Michael Hafer

Michael J Michelsen

Chris Cochran

Anthony Scillieri

Brad Nolan

Michael Winbun

Paul Gardiner

Tammy Marks

Mohammad Fraz Ahmed

Jerry McCarley

A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.

Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets

Systems and methods for enrolling customers in loyalty programs include receiving, at a loyalty program host, transaction information for a transaction initiated by a customer and determining whether the transaction information includes a customer loyalty number associated with a loyalty program. If the transaction information does not include the customer loyalty number, a loyalty enrollment process is initiated to automatically enroll the customer in the loyalty program.

Loyalty program enrollment systems and methods

Growing community of inventors

Highlands Ranch, CO, United States of America

Michael Hafer