US Patent Application 18232221. ATM THIRD PARTY PRODUCTS AND SERVICES simplified abstract

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ATM THIRD PARTY PRODUCTS AND SERVICES

Organization Name

Wells Fargo Bank, N.A.

Inventor(s)

Ashish B. Kurani of Hillsborough CA (US)

ATM THIRD PARTY PRODUCTS AND SERVICES - A simplified explanation of the abstract

This abstract first appeared for US patent application 18232221 titled 'ATM THIRD PARTY PRODUCTS AND SERVICES

Simplified Explanation

The patent application describes a computer system that can receive a request for payment of a bill from a third party biller. It generates a passcode by transforming data and transmits it to a transaction machine. The transaction machine receives the passcode and verifies it with the provider computer system. If the passcode is verified, the transaction machine prompts the customer to make a payment for the bill. Once the payment is received, the transaction machine sends a payment notification to the provider computer system.

  • Provider computer system receives bill payment request from a third party biller
  • Generates a passcode by transforming data
  • Transmits the passcode to a transaction machine
  • Transaction machine receives and verifies the passcode with the provider computer system
  • If passcode is verified, prompts the customer to make payment for the bill
  • Receives payment associated with the bill
  • Transmits a payment notification to the provider computer system


Original Abstract Submitted

A provider computer system can receive a request for payment of a bill issued by a third party biller. The provider computer system can generate a passcode. Generating the passcode can include transforming data into the passcode. The provider computer system can transmit the passcode. A transaction machine can provide a user interface to receive the passcode. The transaction machine can receive the passcode via the user interface. The transaction machine can transmit a passcode verification request to the provider computer system. The transaction machine can receive a passcode verification message from the provider computer system. The transaction machine can prompt, responsive to receiving the passcode verification message, a third party customer to provide payment for the bill. The transaction machine can receive a payment associated with the bill. The transaction machine can transmit a payment notification to the provider computer system.