Abstract: A payment processing method uses a credit push for completing a transaction at a terminal device. The process can include scanning an optical code at terminal device using a mobile device to determine creditor bank information. A debtor bank server receives the creditor bank information 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 terminal device and instructs completion of the transaction at the terminal device in an amount corresponding to the credit push request. The transaction is initiated at the terminal device. An authentication procedure for facilitating the transaction by communicating the creditor bank information is performed by the mobile device and not by the terminal device.

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.