Abstract: A payment processing method uses a credit push for disbursing funds at ATM. The process can include scanning an optical code at an ATM using a mobile device to determine creditor bank information. A debtor bank server receives a funds disbursement request and provides a credit push request to a payment rail. The payment rail communicates a credit payment transaction request to a creditor bank sever. The creditor bank server identifies the ATM using an ATM identifier provided to the mobile device via the optical code. The ATM is instructed to disburse funds by the creditor bank server. The method includes using the mobile device, or other issuer domain, authentication procedures. The funds can be disbursed by the ATM without the ATM performing any authentication procedures.

Abstract: A payment processing method uses a credit push for disbursing funds at ATM. The process can include scanning an optical code at an ATM using a mobile device to determine creditor bank information. A debtor bank server receives a funds disbursement request and provides a credit push request to a payment rail. The payment rail communicates a credit payment transaction request to a creditor bank sever. The creditor bank server identifies the ATM using an ATM identifier provided to the mobile device via the optical code. The ATM is instructed to disburse funds by the creditor bank server. The method includes using the mobile device, or other issuer domain, authentication procedures. The funds can be disbursed by the ATM without the ATM performing any authentication procedures.

Abstract: Payment token processes employ a token vault separate from a token service provider. The token service provider continues to provide front-end token services, while the decoupled token vault assumes responsibilities that include, among other things, allocation of payment tokens to payment account identifiers of payment instruments during token enrollment and detokenization to obtain the payment account identifiers of the payment tokens during the processing of payment transactions.

Abstract: Payment token processes leverage encryption/decryption during token enrollment and payment transaction processing. During enrollment for a payment instrument, a payment token is generated using encryption as a function of a payment account identifier of the payment instrument, and in some cases, also domain information and/or a bank identification number. The payment token can be generated, for instance, using a hardware security module and issuer-specific token keys. During payment transaction processing, the payment token is decrypted (e.g., using the issuer-specific token keys) to obtain the payment account identifier for authorization of the payment transaction.