Express
Foreign ATM Withdrawal
User travels abroad; device queries nearby partner ATMs; home processor authenticates, verifies credit, and sends account data to the selected ATM. No intermediary network fees.
A home bank infrastructure that pre-authorizes a global network of partner processors, discovers them by geolocation, authenticates users remotely, and transfers registration data on demand — so the user's home account works seamlessly abroad, without intermediaries.
When a user travels abroad and attempts a transaction at a foreign financial institution, that institution has no prior relationship with the user — no authentication data, no account context, no credit information. The home bank can't push it, and the foreign bank can't pull it without intermediary networks that add cost, latency, and failure points.
The home processor stores a list of partner processors in foreign regions, each connected via a pre-authorized secure M2M channel. When a user queries from abroad, the home processor finds nearby partners, authenticates the user's identity, verifies their credit, and transmits the registration data to the selected partner — enabling the transaction without any intermediary network.
The companion patent US11784981B2 covers the same invention from the user device perspective. This patent covers the home bank infrastructure side: receiving the query, managing the partner network, performing identity verification, and orchestrating the data transfer.
The home processor sits at the center of the architecture — it manages the partner list, handles identity verification, and orchestrates data transfer. The user device submits queries (with geo-location) and the selected partner processor executes the transaction using the transferred data.
The pre-authorized secure connection between the home processor and each partner is established in advance — not at transaction time. This shifts the trust-establishment overhead to enrollment, making live transactions near-instant.
Each partner processor in the home processor's list has a pre-authorized secure connection — established during enrollment, not at transaction time. The home processor maintains this list and searches it based on the geo-location included in the user's query, returning only the relevant foreign institutions.
The registration data transferred to the selected partner includes: user identity, home processor identity, device identity, and a portion of the user's credit. The partner uses this data to process the transaction without any additional verification steps.
Secure M2M channel established between home and each partner in advance. No trust handshake required at transaction time.
User device sends its geo-location with the query. Home processor filters partner list to return only institutions in the user's current foreign region.
At transaction time, home transmits: user identity, home processor ID, device ID, and relevant credit portion. Partner has everything needed without a central clearinghouse.
Before data transfer, home verifies user's registered credit exceeds the transaction value. Prevents execution failures at the partner side.
The home processor handles the full range of cross-region transaction needs — from initial discovery to pre-authorization to identity verification to data delivery. Select a scenario to see how the patent's architecture responds.
When the user selects a partner processor and initiates a transaction, the home processor receives an authentication request containing a unique personal identifier. It verifies identity based on this identifier and transmits confirmation to both the user device and the selected partner — before any registration data is sent.
Claim 7 specifies the full set of supported identifiers: biometric data, voice pattern, device identifier, and PIN. The authentication step is gated — no data transfer proceeds until identity is confirmed.
Personal identification number assigned to the user — verified at the home processor, not locally at the partner site.
Fingerprint, face, or iris data submitted from the user's device — compared against the home processor's registered biometric record.
Voiceprint collected during the authentication request — verified by the home processor's identity system before approval is granted.
The unique identity of the user device itself serves as an authentication factor — binding the transaction request to a known, registered device.
Claim 5 covers an optional pre-authorization step: before the transaction is initiated at the partner processor, the user device can request the home processor to pre-authorize the specific transaction value. The home processor checks whether the user's registered credit exceeds the transaction value and returns approval — or declines before any data moves.
This eliminates the worst-case scenario of a user device in a foreign region with an authenticated session but insufficient credit — a condition that would otherwise only surface at the partner processor after data has already been transferred.
The partner processor network enables a wide range of cross-region financial use cases — from foreign ATM withdrawals to international point-of-sale transactions to M2M financial settlements between institutions.
This is a 2023 grant in a rapidly evolving area of M2M financial infrastructure. Forward citations, if any, are dynamically rendered on Google Patents and were not captured via static fetch at time of publication of this explainer.