Michael J Sears

US Patent:

8065226, Nov 22, 2011

Filed:

Jul 20, 2001

Appl. No.:

09/908549

Inventors:

Carol J. Rizzo - Livingston NJ, US
Phoebe Rin-Rin Hsu - Northridge CA, US
Michael L. Sears - Torrance CA, US

Assignee:

Citicorp Development Center, Inc. - Los Angeles CA

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.

US Patent:

8364589, Jan 29, 2013

Filed:

Sep 6, 2011

Appl. No.:

13/225825

Inventors:

Carol J. Rizzo - Livingston NJ, US
Phoebe Rin-Rin Hsu - Northridge CA, US
Michael L. Sears - Torrance CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated.