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

Claim 0:
1. One or more computer storage media storing computer-readable instructions that when executed by one or more processors, cause the one or more processors to perform operations for fund disbursement using a credit push, the operations comprising:
displaying at a display device of an automated teller machine (ATM), the optical code embedded with creditor bank information that identifies a creditor bank associated with the ATM, the optical code configured to provide the creditor bank information to a mobile device when scanned by a camera of the mobile device, wherein the optical code is generated by the ATM without the ATM initiating an authentication procedure;
receiving a credit payment transaction request from a payment rail server based on a credit push request from a debtor bank server associated with a debtor bank in response to scanning the optical code, the credit payment transaction request received based on the credit payment transaction request being routed to a creditor bank server, from the payment rail server, based on the creditor bank information;
in response to receiving the credit payment transaction request, disbursing funds, at the ATM, in an amount corresponding to the credit push request, wherein instructions to the ATM that cause the ATM to disburse funds are routed through an acquiring switch in communication with the creditor bank server;
receiving from the ATM a disbursement confirmation indicating the funds disbursed at the ATM equal the amount corresponding to the credit push request; and
in response to receiving the disbursement confirmation, communicating a confirmation status to the payment rail server, the confirmation status providing the payment rail server with message routing instructions to the debtor bank server.