Multi-factor automated teller machine (ATM) personal identification number (PIN)

Patent metadata

Field	Value
Publication number	US-10096026-B1
Application number	US-201815904034-A
Country	US
Kind code	B1
Filing date	Feb 23, 2018
Priority date	Feb 23, 2018
Publication date	Oct 9, 2018
Grant date	Oct 9, 2018

Abstract

An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

First claim

What is claimed is:

1. An automated teller machine (ATM), comprising:
an input component configured to detect multi-factor input associated with an account, the multi-factor input comprising at least two of:
a sequence of characters input via the input component,
a force with which at least one character, of the sequence of characters, is input via the input component,
a length of time over which at least one character, of the sequence of characters, is input via the input component, or
a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component; and
one or more processors configured to:
receive a temporary personal identification number (PIN) associated with the account,
the temporary PIN being received based upon a user interacting with the input component;
provide a user interface for creating the multi-factor input associated with the account,
the user interface allowing the user to identify values for the multi-factor input;
receive the multi-factor input;
validate the multi-factor input in association with the account; and
selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

2. The ATM of claim 1 , wherein the input component includes one or more mechanical buttons and one or more sensors to detect a mechanical force with which the one or more mechanical buttons are pressed.

3. The ATM of claim 1 , wherein the input component includes one or more electronic buttons and one or more sensors to detect a surface area covered when the one or more electronic buttons are pressed.

4. The ATM of claim 1 , wherein the input component includes one or more mechanical or electronic buttons and one or more sensors to determine an amount of time that a mechanical or electronic button, of the one or more mechanical or electronic buttons, is pressed.

5. The ATM of claim 1 , wherein the input component includes a mechanical keypad or a mechanical number pad.

6. The ATM of claim 1 , wherein the input component includes a touch screen.

7. The ATM of claim 1 , further comprising an output component configured to output an indication that the input component accepts multi-factor input.

8. A method, comprising:
receiving, by an automated teller machine (ATM), a temporary personal identification number (PIN) associated with an account,
the temporary PIN being received based upon a user interacting with an input component of the ATM;
providing, by the ATM, a user interface for creating a multi-factor input associated with validating access to the account,
the user interface allowing the user to identify values for the multi-factor input;
receiving, by the ATM, the multi-factor input associated with validating access to the account, wherein the multi-factor input includes at least two of:
a sequence of characters,
a level of force with which at least one character, of the sequence of characters, is input,
a length of time over which at least one character, of the sequence of characters, is input, or
a combination of at least two characters, of the sequence of characters, that are input concurrently;

determining, by the ATM, whether the multi-factor input is valid for the account; and
selectively permitting or denying, by the ATM, performance of one or more actions associated with the account based on determining whether the multi-factor input is valid for the account.

9. The method of claim 8 , wherein the multi-factor input includes the sequence of characters and the level of force with which at least one character, of the sequence of characters, is input.

10. The method of claim 8 , wherein the multi-factor input includes the sequence of characters and the length of time over which at least one character, of the sequence of characters, is input.

11. The method of claim 8 , wherein the multi-factor input includes:
the sequence of characters,
the level of force with which at least one character, of the sequence of characters, is input, and
the length of time over which at least one character, of the sequence of characters, is input.

12. The method of claim 8 , wherein each character, included in the sequence of characters, is associated with a corresponding level of force with which that character is input.

13. The method of claim 8 , wherein each character, included in the sequence of characters, is associated with a corresponding length of time over which that character is input.

14. The method of claim 8 , wherein the level of force is within a range of force.

15. The method of claim 8 , wherein the length of time is within a range of time.

16. A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive a temporary personal identification number (PIN) associated with an account,
the temporary PIN being received based upon a user interacting with an input component of an automated teller machine (ATM);
provide a user interface for creating input associated with access validation of the account,
the user interface allowing the user to identify values for the input;
receive the input associated with the access validation, wherein the input includes at least two of:
a sequence of characters,
a level of force with which at least one character, of the sequence of characters, is input,
a length of time over which at least one character, of the sequence of characters, is input, or
a combination of at least two characters, of the sequence of characters, that are input concurrently;
determine whether the input is valid; and
selectively permit or deny access based on determining whether the input is valid.

17. The device of claim 16 , wherein the input includes the sequence of characters and the level of force with which at least one character, of the sequence of characters, is input.

18. The device of claim 16 , wherein the input includes the sequence of characters and the length of time over which at least one character, of the sequence of characters, is input.

19. The device of claim 16 , wherein the input includes:
the sequence of characters,
the level of force with which at least one character, of the sequence of characters, is input, and
the length of time over which at least one character, of the sequence of characters, is input.

20. The device of claim 16 , wherein the one or more processors, when selectively permitting or denying access, are configured to:
selectively permit or deny access to one or more actions associated with the account, wherein the one or more actions include at least one of:
outputting account information associated with the account,
performing a transaction associated with the account,
withdrawing money from the account, or
depositing money to the account.

Assignees

• Capital One Services Llc

Inventors

• Benkreira Abdelkadar M'Hamed
• Mossoba Michael
• Edwards Joshua

Classifications

• G07F7/1033

  Details of the PIN pad · CPC title

• G06F3/04886

  by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus · CPC title

• G06F21/316

  by observing the pattern of computer usage, e.g. typical user behaviour · CPC title

• G06F21/31

  User authentication · CPC title

• G06F3/04883

  for inputting data by handwriting, e.g. gesture or text · CPC title