Abstract: According to one embodiment, a method for performing a money withdrawal transaction includes transmitting a transaction identifier for use by an ATM. The method also includes receiving the transaction identifier from a mobile device of a user, where the mobile device obtains the transaction identifier by capturing machine readable code from the ATM. The method further includes receiving a withdrawal amount from the mobile device along with an identification of an account for use in the withdrawal transaction. The method additionally includes transmitting withdrawal information to a payment service provider to effectuate authorization of a withdrawal of funds from the ATM in an amount equal to the withdrawal amount. The withdrawal information is transmitted from the payment service provider to the ATM and subsequently received therefrom along with a PIN that is input by the user into the ATM. This process mimics existing withdrawal transaction processes of the ATM.

Abstract: According to one embodiment, a method for performing a money withdrawal transaction includes transmitting a transaction identifier for use by an ATM. The method also includes receiving the transaction identifier from a mobile device of a user, where the mobile device obtains the transaction identifier by capturing machine readable code from the ATM. The method further includes receiving a withdrawal amount from the mobile device along with an identification of an account for use in the withdrawal transaction. The method additionally includes transmitting withdrawal information to a payment service provider to effectuate authorization of a withdrawal of funds from the ATM in an amount equal to the withdrawal amount. The withdrawal information is transmitted from the payment service provider to the ATM and subsequently received therefrom along with a PIN that is input by the user into the ATM. This process mimics existing withdrawal transaction processes of the ATM.

Abstract: According to one embodiment, a method for performing a money withdrawal transaction includes transmitting a transaction identifier for use by an ATM. The method also includes receiving the transaction identifier from a mobile device of a user, where the mobile device obtains the transaction identifier by capturing machine readable code from the ATM. The method further includes receiving a withdrawal amount from the mobile device along with an identification of an account for use in the withdrawal transaction. The method additionally includes transmitting withdrawal information to a payment service provider to effectuate authorization of a withdrawal of funds from the ATM in an amount equal to the withdrawal amount. The withdrawal information is transmitted from the payment service provider to the ATM and subsequently received therefrom along with a PIN that is input by the user into the ATM. This process mimics existing withdrawal transaction processes of the ATM.

Abstract: Mobile device transactions are conducted at a POS terminal using gift card infrastructure. When a mobile device transaction is desired, a pre-designated gift card number is used at the POS terminal, which is recognized during gift card processing as assigned for use with mobile transactions and which results in an open invoice message. At the same time, a mobile device reads a QR code displayed at the POS terminal, in order to generate a transaction request. The open invoice message and transaction request are matched and processed at a mobile transaction processing system.