Ncr Corporation

Paul Gardiner

Michael Winbun

Mohammad Fraz Ahmed

Jerry McCarley

Tammy Marks

Brad Nolan

Chris Cochran

Michael Hafer

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 are provided for routing transactions from ATMs. In one embodiment, a method is provided that includes receiving a unique identifier that corresponds to a transaction requested by a user. In certain implementations, the unique identifier may be presented to the user by a third party separate from a provider of the ATM. The method may further include routing the unique identifier to an application programming interface affiliated with a provider of the ATM to confirm the transaction's validity. In certain implementations, the method may further comprise implementing the transaction and updating a settlement account to reflect the transaction.

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Houston, TX, United States of America

Paul Gardiner