Currency acquisition devices, systems, and methods

Patent metadata

Field	Value
Publication number	US-2017344975-A1
Application number	US-201615168722-A
Country	US
Kind code	A1
Filing date	May 31, 2016
Priority date	May 31, 2016
Publication date	Nov 30, 2017
Grant date	—

Abstract

Various embodiments herein each include at least one of systems, methods, devices, and software for currency acquisition. One such embodiment, in the form of a method, includes receiving, via a short-range radio transceiver device from a mobile device, payment authorization data associated with a bankcard and a currency request. The method then transmits the currency request and payment authorization data via a bankcard payment network and receives a currency request response via the bankcard payment network. The method then authorizes dispensing of currency in an amount of the currency request when the currency request response includes an approval.

First claim

What is claimed is:

1 . A method comprising:
receiving, via a short-range radio transceiver device from a mobile device, payment authorization data associated with a bankcard and a currency request; transmitting the currency request and payment authorization data via a bankcard payment network; receiving a currency request response via the bankcard payment network; and authorizing dispensing of currency in an amount of the currency request when the currency request response includes an approval.

2 . The method of claim 1 , wherein the payment authorization data is received from a mobile wallet app that executes on the mobile device.

3 . The method of claim 2 , wherein the short-range radio transceiver device is a device of a self-service terminal (SST).

4 . The method of claim 3 , wherein the short-range radio transceiver device is a Near-Field Communication (NFC) radio transceiver device.

5 . The method of claim 3 , wherein the SST is an Automated Teller Machine (ATM).

6 . The method of claim 5 , wherein the currency request is received by the ATM as input via a user interface and at least one input device of the ATM, the input identifying a currency amount of the currency request.

7 . The method of claim 6 , wherein the bankcard is a credit card.

8 . A method comprising:
receiving a payment authorization request including a currency purchase request from a terminal via a bankcard payment network, the currency purchase request including data identifying a currency amount requested and a payment account, the payment authorization request originating with a bankcard holder authorization received from a mobile device by a short-range radio transceiver device of the terminal; processing the payment authorization request in view of an available currency balance of the payment account for fulfilling the payment authorization request; and when the payment authorization request including the currency purchase request is no greater than the available currency balance, debiting the available currency balance and transmitting an authorization of the payment authorization request via the bankcard payment network to the terminal.

9 . The method of claim 8 , wherein the payment authorization request originated with the terminal and is received, processed, and relayed by a token service provider to a bankcard issuer, the processing performed by the token service provider performed to translate tokenized bankcard data to a form known by computing systems of a bankcard issuer computing system to associate the payment authorization request with a bankcard account maintained on the bankcard issuer computing system, the relaying performed by the token service provider including transmitting the translated payment authorization request to the bankcard issuer computing system via the bankcard payment network.

10 . The method of claim 8 , wherein the terminal is a Self-Service Terminal (SST).

11 . The method of claim 10 , wherein the SST is an Automated Teller Machine (ATM).

12 . The method of claim 8 , wherein processing the payment authorization request is further performed in view of at least one rule other than an available currency balance rule.

13 . The method of claim 12 , wherein the at least one rule includes a currency purchase authorization rule that evaluates data associated with the payment account indicating whether currency purchases are authorized for the payment account, application of the currency purchase authorization rule resulting in either disapproval of the currency purchase request or authorization of the currency purchase request subject to the available currency balance being equal to or greater than the currency amount requested.

14 . The method of claim 13 , wherein the at least one rule further includes at least one currency purchase limit rule that limits an amount of currency that can be purchased in view of at least one factor.

15 . The method of claim 14 , wherein the at least one factor includes a currency purchase limit in view of at least one of a single transaction, a daily limit, a weekly limit, and a monthly limit.

16 . A terminal comprising:
at least one currency cassette; a currency dispenser that receives currency from the at least one currency cassette and dispenses received currency; at least one user interface device to receive user input; a short-range radio transceiver device; a terminal controller coupled to the at least one currency cassette, the currency dispenser, each of the at least one user interface devices, and the short-range radio transceiver device and including at least one processor, at least one memory device, and at least one network interface device, the at least one memory device storing instructions executable by the at least one processor to perform data processing activities comprising:
receiving, via the short-range radio transceiver device from a mobile device, payment authorization data associated with a bankcard account;
receiving, the at least one user interface device, a currency request;
transmitting the currency request and payment authorization data via the at least one network interface device over a bankcard payment network;
receiving a currency request response via the at least one network interface device over the bankcard payment network; and
dispensing currency from the at least one currency cassette via the currency dispenser in an amount of the currency request when the currency request response includes an approval.

17 . The terminal of claim 16 , wherein the payment authorization data is received from a mobile wallet app that executes on the mobile device.

18 . The terminal of claim 16 , wherein terminal is a self-service terminal (SST).

19 . The terminal of claim 16 , wherein the short-range radio transceiver device is a Near-Field Communication (NFC) radio transceiver device.

20 . The terminal of claim 16 , wherein the bankcard account is a credit card account.

Assignees

• Ncr Corp

Inventors

• Loesch Ryan

Classifications

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/325

  using wireless networks · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title