Systems and methods for transacting at an ATM using a mobile device

Patent metadata

Field	Value
Publication number	US-10430779-B2
Application number	US-201514680857-A
Country	US
Kind code	B2
Filing date	Apr 7, 2015
Priority date	Apr 8, 2014
Publication date	Oct 1, 2019
Grant date	Oct 1, 2019

Abstract

The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.

First claim

What is claimed is:

1. A system for transacting at an automated teller machine (ATM), comprising:
one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive transaction data associated with a transaction request received from a mobile device associated with a customer, wherein the transaction data includes a customer identifier,
identify a customer account based on the customer identifier;
determine that the mobile device is physically located within a predetermined distance from the ATM, by detecting an identification signal transmitted from the mobile device to the ATM via a local network;
responsive to the detected identification signal, transmit a signal to the mobile device indicating that the mobile device is within the predetermined distance from the ATM, for displaying a notification and prompt on the mobile device;
wherein a financial service provider system associated with the ATM detects capabilities associated with the mobile device;

prompt, via the signal, the mobile device based on the detected capabilities associated with the mobile device to provide authentication data associated with the customer;
receive, from the mobile device and in response to the displayed prompt, the authentication data associated with the customer, the authentication data being provided by the customer operating the mobile device and without requiring the customer to directly input data at the ATM and wherein a transaction amount above a predefined threshold requires receipt of a more secure type of authentication data or greater amount of authentication data;
determine, based on the transaction amount, whether the received authentication data authenticates the transaction;
based on the determination, iteratively prompt the mobile device to enter additional authentication data;
wherein a number of iterations depends on the customer account and the transaction amount;

authorize the transaction when the authentication data authenticates the transaction by comparing the received authentication data with stored customer data corresponding to the customer; and
based on the determination, provide an indication to the ATM to perform the transaction.

2. The system of claim 1 , wherein the one or more processors are further configured to provide information to the mobile device that prompts the customer to initiate the transaction based on a determined physical location of the mobile device in relation to the ATM.

3. The system of claim 1 , wherein the transaction request corresponds to request for certified funds for a transaction amount.

4. The system of claim 3 , wherein the indication to the ATM causes the ATM to automatically dispense an order for certified funds for the transaction amount when the transaction is authorized.

5. The system of claim 1 , wherein the one or more processors are further configured to provide information that causes the ATM to dispense a debit card when the transaction is authorized.

6. The system of claim 1 , wherein the one or more processors are further configured to provide information that causes the ATM to receive a deposit of at least one of cash or one or more checks when the transaction is authorized.

7. The system of claim 1 , wherein the ATM is located in a financial service provider branch location.

8. The system of claim 1 , wherein the one or more processors are further configured to:
determine a physical location of the mobile device in relation to the ATM;
determine that the customer is in a queue based on the determined physical location of the mobile device in relation to ATM; and
provide information to the mobile device to prompt the customer to initiate the transaction while the customer is in the queue.

9. The system of claim 8 , wherein the one or more processors are further configured to determine that the customer is in the queue by determining that the mobile device associated with the customer is within a threshold distance of the ATM.

10. A computer-implemented method for transacting at an automated teller machine (ATM), comprising:
receiving, by one or more processors, transaction data associated with a transaction request received from a mobile device associated with a customer, wherein the transaction data includes a customer identifier;
identifying a customer account based on the customer identifier;
determining that the mobile device is physically located within a predetermined distance from the ATM, by detecting an identification signal transmitted from the mobile device to the ATM via a local network;
responsive to the detected identification signal, transmitting a signal to the mobile device indicating that the mobile device is within the predetermined distance from the ATM, for displaying a notification and prompt on the mobile device;
wherein a financial service provider system associated with the ATM detects capabilities associated with the mobile device;
prompt, via the signal, the mobile device based on the detected capabilities associated with the mobile device to provide authentication data associated with the customer;
receiving, from the mobile device and in response to the displayed prompt, the authentication data associated with the customer, the authentication data being provided by the customer operating the mobile device and without requiring the customer to directly input data at the ATM and wherein a transaction amount above a predefined threshold requires receipt of a more secure type of authentication data or greater amount of authentication data;
determining, by the one or more processors, based on the transaction amount, whether the received authentication data authenticates the transaction;
based on the determination, iteratively prompt the mobile device to enter additional authentication data;
wherein a number of iterations depends on the customer account and the transaction amount;
authorizing the transaction when the authentication data authenticates the transaction by comparing the received authentication data with stored customer data corresponding to the customer; and
based on the determination, providing an indication to the ATM to perform the transaction.

11. The method of claim 10 , further including providing information to the mobile device that prompts the customer to initiate the transaction based on a determined physical location of the mobile device in relation to the ATM.

12. The method of claim 10 , wherein the transaction request corresponds to request for certified funds for a transaction amount.

13. The method of claim 12 , wherein the indication to the ATM causes the ATM to automatically dispense an order for certified funds for the transaction amount when the transaction is authorized.

14. The method of claim 10 , further including providing information that causes the ATM to dispense a debit card when the transaction is authorized.

15. The method of claim 10 , further including providing information that causes the ATM to receive a deposit of at least one of cash or one or more checks when the transaction is authorized.

16. The method of claim 10 , wherein the ATM is in a financial service provider branch location.

17. The method of claim 10 , further including:
determining a physical location of the mobile device in relation to the ATM;
determining that the customer is in a queue based on the determined physical location of the mobile device in relation to the ATM; and
providing information to the mobile device to prompt the customer to initiate the transaction while the customer

Assignees

• Capital One Financial Corp
• Capital One Services Llc

Inventors

• Iqbal Mohammed Zafar
• Rosengren Kevin
• Doerfler Max
• Deluca Brian
• Joshi Anurag
• Dillon James
• Hollins Richie
• Warder Jamie
• Hodges William A
• Allen Ken

Classifications

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/18

  involving self-service terminals [SST], vending machines, kiosks or multimedia terminals · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/3223 Primary

  Realising banking transactions through M-devices · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title