System and method for cardless cash access

Patent metadata

Field	Value
Publication number	US-2019073663-A1
Application number	US-201715695317-A
Country	US
Kind code	A1
Filing date	Sep 5, 2017
Priority date	Sep 5, 2017
Publication date	Mar 7, 2019
Grant date	—

Abstract

Aspects of the present disclosure involve systems, methods, devices, and the like for processing a cardless cash transaction. In one embodiment, a system is introduced that enables a communication between a user device and an automated teller machine. The communication disclosure presents a system and method that enables the communication between a user device and an automated teller machine for the withdrawal of a cash amount using a cardless cash option. The withdrawal occurs through the use of a white label platform which pairs the automated teller machine and user device without the use of a card.

First claim

What is claimed is:

1 . A system, comprising
a non-transitory memory storing instructions; a processor configured to execute the instructions to cause the system to:
receive, via a first wireless network connection, a first request from a user device for cardless cash access from an automated teller machine;
retrieve, from the first request received, user information associated with the user device;
transmit, via a second wireless network connection, a token request from a white label platform, the token request including the user information;
receive, via the second wireless network connection, an authorization token from the white label platform for transmit to the user device;
in response to the authorization token transmitted to the user device, receive, via the first wireless network connection, a second request from the user device for a cash withdrawal, the second request received including a scanned image of a QR code; and
in response to the second request received, transmit a request to the white label platform for the cash withdrawal, the white label platform pairing a communication between the user device and automated teller machine networks;
update, the account balance base on a cash amount designated on the second request; and
transmit, via the first wireless network connection, a successful notification to the user device for the cash withdrawal for the cash amount from the automated teller machine.

2 . The system of claim 1 , wherein the executing instructions further causes the system to:
in response to the first request for the cardless cash access, determine if a user associated with the user information is onboarded; and perform just-in-time onboarding if it is determined that the user has not been onboarded.

3 . The system of claim 1 , wherein the second request from the user device for a cash withdrawal includes an automated teller machine location.

4 . The system of claim 1 , wherein the scanned image obtained from a display of the automated teller machine.

5 . The system of claim 1 , wherein the white label platform provides the communication with the automated teller machine networks including at least an acquiring processor, a network and an issuer processor.

6 . The system of claim 1 , wherein the executing instructions further causes the system to:
in response to the second request received, transmit a notification to the user device regarding a fee associated with the second request for the cash withdrawal.

7 . The system of claim 6 , wherein the fee associated with the second request is based on the automated teller machine.

8 . A method, comprising:
receiving, via a first wireless network connection, a first request from a user device for cardless cash access from an automated teller machine; retrieving, from the first request received, user information associated with the user device; transmitting, via a second wireless network connection, a token request from a white label platform, the token request including the user information; receiving, via the second wireless network connection, an authorization token from the white label platform for transmit to the user device; in response to the authorization token transmitted to the user device, receiving, via the first wireless network connection, a second request from the user device for a cash withdrawal, the second request received including a scanned image of a QR code; and in response to the second request received, transmitting a request to the white label platform for the cash withdrawal, the white label platform pairing a communication between the user device and automated teller machine networks; updating, the account balance base on a cash amount designated on the second request; and transmitting, via the first wireless network connection, a successful notification to the user device for the cash withdrawal for the cash amount from the automated teller machine.

9 . The method of claim 8 , further comprising:
in response to the first request for the cardless cash access, determining if a user associated with the user information is onboarded; and performing just-in-time onboarding if it is determined that the user has not been onboarded.

10 . The method of claim 8 , wherein the second request from the user device for a cash withdrawal includes an automated teller machine location.

11 . The method of claim 8 , wherein the scanned image obtained from a display of the automated teller machine.

12 . The method of claim 8 , wherein the white label platform provides the communication with the automated teller machine networks including at least an acquiring processor, a network and an issuer processor.

13 . The method of claim 8 , further comprising:
in response to the second request received, transmitting a notification to the user device regarding a fee associated with the second request for the cash withdrawal.

14 . The method of claim 13 , wherein the fee associated with the second request is based on the automated teller machine.

15 . A non-transitory machine readable medium having stored thereon machine readable instructions executable to cause a machine to perform operations comprising:
receiving, via a first wireless network connection, a first request from a user device for cardless cash access from an automated teller machine; retrieving, from the first request received, user information associated with the user device; transmitting, via a second wireless network connection, a token request from a white label platform, the token request including the user information; receiving, via the second wireless network connection, an authorization token from the white label platform for transmit to the user device; in response to the authorization token transmitted to the user device, receiving, via the first wireless network connection, a second request from the user device for a cash withdrawal, the second request received including a scanned image of a QR code; and in response to the second request received, transmitting a request to the white label platform for the cash withdrawal, the white label platform pairing a communication between the user device and automated teller machine networks; updating, the account balance base on a cash amount designated on the second request; and transmitting, via the first wireless network connection, a successful notification to the user device for the cash withdrawal for the cash amount from the automated teller machine.

16 . The non-transitory machine readable medium of claim 15 , further comprising:
in response to the first request for the cardless cash access, determining if a user associated with the user information is onboarded; and performing just-in-time onboarding if it is determined that the user has not been onboarded.

17 . The non-transitory machine readable medium of claim 15 , wherein the second request from the user device for a cash withdrawal includes an automated teller machine location.

18 . The non-transitory machine readable medium of claim 15 , wherein the scanned image obtained from a display of the automated teller machine.

19 . The non-transitory machine readable medium of claim 15 , wherein the white label platform provides the communication with the automated teller machine networks including at least an acquiring processor, a network and an issuer processor.

20 . The non-transitory machine readable medium of claim 15 , further comprising:
in response to the second request received

Assignees

• Paypal Inc

Inventors

• Jamkhedkar Prashant
• Leng Jie
• Gu Kaining
• Withanage Buddhika

Classifications

• G06Q20/1085

  involving automatic teller machines [ATMs] · CPC title

• G06Q20/325

  using wireless networks · CPC title

• G06Q20/3274 Primary

  using a pictured code, e.g. barcode or QR-code, being displayed on the M-device · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title