Processing cardless transactions at automated teller devices

Patent metadata

Field	Value
Publication number	US-10013684-B2
Application number	US-201514728403-A
Country	US
Kind code	B2
Filing date	Jun 2, 2015
Priority date	Jun 2, 2015
Publication date	Jul 3, 2018
Grant date	Jul 3, 2018

Abstract

Methods, systems, and computer-readable media for processing cardless transactions at automated teller devices are presented. In some embodiments, a computer system may receive, from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution. Subsequently, the computer system may validate the login input. If the login input is valid, the computer system may generate a one-time passcode. Then, the computer system may send, to a customer mobile device associated with the customer, the one-time passcode. Thereafter, the computer system may receive, from the automated teller device, passcode input. Subsequently, the computer system may validate the passcode input. If the passcode input is valid, the computer system may generate a customer authentication message. Then, the computer system may send, to the automated teller device, the customer authentication message.

First claim

What is claimed is:

1. A system, comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to:
receive, via the communication interface, and from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution;
validate the login input comprising the one or more online banking credentials associated with the customer of the financial institution;
if the login input comprising the one or more online banking credentials associated with the customer of the financial institution is valid:
generate a one-time passcode;
send, via the communication interface, and to a customer mobile device associated with the customer of the financial institution, the one-time passcode;
receive, via the communication interface, and from the automated teller device associated with the financial institution, passcode input;
validate the passcode input;
if the passcode input is valid:
generate a customer authentication message configured to cause the automated teller device associated with the financial institution to present one or more automated teller user interfaces to a user of the automated teller device associated with the financial institution; and
send, via the communication interface, and to the automated teller device associated with the financial institution, the customer authentication message,

wherein sending the customer authentication message to the automated teller device associated with the financial institution causes the automated teller device associated with the financial institution to present the one or more automated teller user interfaces to the user of the automated teller device associated with the financial institution,
wherein the one or more automated teller user interfaces are configured to provide limited access to one or more financial accounts of the customer of the financial institution by allowing the user of the automated teller device to deposit funds, to view account balance information, and to withdraw funds only up to a predetermined limit amount,
wherein the customer authentication message is configured to cause the automated teller device associated with the financial institution to present the one or more automated teller user interfaces to the user of the automated teller device associated with the financial institution irrespective of the automated teller device associated with the financial institution receiving a physical banking card from the user of the automated teller device associated with the financial institution, and
wherein the customer authentication message is configured to cause the automated teller device associated with the financial institution to present the one or more automated teller user interfaces to the user of the automated teller device associated with the financial institution irrespective of the automated teller device associated with the financial institution receiving a personal identification number (PIN) from the user of the automated teller device associated with the financial institution.

2. The system of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the system to:
if the login input comprising the one or more online banking credentials associated with the customer of the financial institution is not valid, send, via the communication interface, and to the automated teller device associated with the financial institution, an error message.

3. The system of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the system to:
if the passcode input is not valid, send, via the communication interface, and to the automated teller device associated with the financial institution, an error message.

4. The system of claim 1 , wherein the automated teller device associated with the financial institution comprises an automated teller machine.

5. The system of claim 1 , wherein the automated teller device associated with the financial institution comprises an automated teller assistant.

6. The system of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the system to:
if the passcode input is valid, and prior to generating the customer authentication message configured to cause the automated teller device associated with the financial institution to present the one or more automated teller user interfaces to the user of the automated teller device associated with the financial institution:
generate a biometric authentication prompt;
send, via the communication interface, and to the customer mobile device associated with the customer of the financial institution, the biometric authentication prompt; and
receive, via the communication interface, and from the customer mobile device associated with the customer of the financial institution, a biometric authentication message indicating that a user of the customer mobile device associated with the customer of the financial institution has been biometrically authenticated.

7. The system of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the system to:
after sending the customer authentication message:
receive, via the communication interface, and from the automated teller device associated with the financial institution, lost-card input indicating that a physical banking card associated with the customer of the financial institution is lost or stolen; and
based on receiving the lost-card input indicating that the physical banking card associated with the customer of the financial institution is lost or stolen, update one or more account records associated with the customer of the financial institution to place one or more holds on one or more accounts associated with the customer of the financial institution.

8. The system of claim 7 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the system to:
after receiving the lost-card input indicating that the physical banking card associated with the customer of the financial institution is lost or stolen:
generate a customer assistance message configured to cause the automated teller device associated with the financial institution to present one or more customer assistance user interfaces to the user of the automated teller device associated with the financial institution; and
send, via the communication interface, and to the automated teller device associated with the financial institution, the customer assistance message.

9. The system of claim 8 , wherein the customer assistance message is configured to cause the automated teller device associated with the financial institution to present, to the user of the automated teller device associated with the financial institution, at least one customer assistance user interface comprising one or more directions from the automated teller device associated with the financial institution to a banking center associated with the financial institution.

10. The system of claim 8 , wherein the customer assistance message is configured to cause the automated teller device associated with the financial institution to present, to the user of the automated teller device a

Assignees

• Bank Of America

Inventors

• Keys Andrew T
• Shenoy Raghav

Classifications

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title