Patent ID: 11881087
Assignee: ITS CO., LTD
Field: Control (Instruments)
Classification: CPC G | IPC G

Claim 5:
6. A method performed by one or more processors for disbursing funds using a credit push, the method comprising:
receiving, at a payment rail server of a payment rail, a credit push request indicating an amount of funds to be disbursed by an automated teller machine (ATM), the credit push request received from a debtor bank server of a debtor bank, the credit push request comprising creditor bank information of a creditor bank provided by an optical code displayed at a display device of the ATM without the ATM initiating an authentication procedure, the optical code having been captured by a camera of a mobile device to retrieve the creditor bank information and communicate the creditor bank information to the debtor bank server;
identifying a messaging protocol for the creditor bank associated with the ATM based on the creditor bank information;
communicating, via the identified messaging protocol, a credit payment transaction request to a creditor bank server of the creditor bank, the credit payment transaction request authorizing the amount of funds to be credited by the creditor bank, wherein the creditor bank server is configured to instruct the ATM to disburse the funds in an amount corresponding with the credit payment transaction request, wherein the payment rail identifies a uniform resource identifier (URI) for the creditor bank server, and the credit payment transaction request is communicated via the URI;
receiving a confirmation status from the creditor bank server, the confirmation status indicating a settlement of a creditor account associate with the creditor bank for the amount of funds; and
in response to receiving the confirmation status, communicating a real-time settlement notification to the debtor bank server indicating the settlement of the amount of funds between a debtor bank account and a creditor bank account at a payment rail account ledger maintained by the payment rail.