ATM transaction with a mobile device

Patent metadata

Field	Value
Publication number	US-10467604-B1
Application number	US-201213458938-A
Country	US
Kind code	B1
Filing date	Apr 27, 2012
Priority date	Apr 27, 2012
Publication date	Nov 5, 2019
Grant date	Nov 5, 2019

Abstract

A method for conducting financial transactions with an automated teller machine (ATM), including: receiving, by a mobile device, a first authentication credential from a user; authenticating, by the mobile device, the user for access to a financial account based on the first authentication credential; wirelessly transmitting, by the mobile device and to the ATM, a first request to establish a direct short range wireless connection with the ATM after authenticating the user; establishing, by the mobile device, the direct short range wireless connection with the ATM after transmitting the first request; and sending, over the direct short range wireless connection, an identifier of the user to the ATM, where the user makes a selection of a cash amount for withdrawal from the financial account, and where the ATM dispenses the cash amount to the user.

First claim

What is claimed is:

1. A method for conducting financial transactions with an automated teller machine (ATM), using a mobile device, the method comprising:
receiving, by the mobile device, a first authentication credential from a user;
authenticating the user, by the mobile device, for access to a mobile application associated with a financial account, based on the first authentication credential;
identifying, by the mobile device and using a GPS receiver of the mobile device, a location coordinate of the mobile device;
sending, by the mobile device, the location coordinate of the mobile device to a transaction server;
receiving, by the mobile device, a verification from the transaction server that the mobile device is within a predefined proximity of the ATM;
obtaining, by the mobile device, orientation data from a gyroscope of the mobile device;
confirming, by the mobile device and based on the orientation data, that the user is facing the ATM, by displaying a prompt to the user;
after confirming, by the mobile device, that the user is facing the ATM, prompting the user, by the mobile device, to confirm that the user is located in front of the ATM and is prepared to begin a withdrawal transaction;
receiving, by the mobile device, user confirmation that the user is located in front of the ATM and is prepared to begin the withdrawal transaction;
based on the received confirmation, wirelessly transmitting, by the mobile device over a cellular data network and to the transaction server, a first request to establish a direct short range wireless connection with the ATM;
after transmitting the first request, receiving, by the mobile device and from the ATM, an authorization of the user; and
establishing, by the mobile device, the direct short range wireless connection with the ATM, based on the authorization.

2. The method of claim 1 , further comprising:
receiving, by the ATM, a second authentication credential from the user;
authenticating, by the ATM, the user for access to the financial account, based on the second authentication credential;
displaying, after authenticating the user, and by the ATM, an identifier of the financial account to the user; and
receiving, by the ATM and from the user, a selection of cash amount for withdrawal from the financial account, prior to dispensing the cash amount.

3. The method of claim 1 , wherein the first authentication credential is one selected from a group consisting of a personal identification number (PIN), a password, a biometric scan, an answer to a challenge question, and a selection of a secret image.

4. The method of claim 1 , wherein the direct short range wireless connection is one selected from a group consisting of a near field communication connection, a Bluetooth connection, an IrDA connection, a Wireless USB connection, a Z-Wave connection, a ZigBee connection, and a Body Area Network connection.

5. The method of claim 2 , further comprising:
sending, by the mobile device, a request to import a record of the cash amount to a financial management application (FMA);
importing, by the FMA, the record of the cash amount from a financial management account of the user; and
updating, by the FMA, a balance of the financial account based on the record of the cash amount.

6. The method of claim 1 , further comprising:
prior to receiving the first authentication credential:
obtaining, by a card reader operatively attached to the mobile device, a scan of a financial card associated with the financial account; and
registering, based on the scan, the user of the mobile device with the mobile application,

wherein the direct short range wireless connection is established with the ATM based on the registration.

7. A mobile device associated with a user, comprising:
a display;
a GPS receiver;
a gyroscope;
a processor; and
a non-transitory computer-readable storage medium comprising a mobile application and a plurality of instructions for conducting transactions with an automated teller machine (ATM), the plurality of instructions, when executed by the processor, cause the processor to perform the steps of:
receiving, a first authentication credential from the user;
authenticating, based on the first authentication credential, the user for accessing the mobile application associated with a financial account;
identifying, using the GPS receiver, a location coordinate associated with the user;
sending the location coordinate to a transaction server;
receiving a verification from the transaction server that the user is within a predefined proximity of the ATM;
obtaining orientation data from the gyroscope;
confirming, based on the orientation data, that the user is facing the ATM by displaying, on the display, a prompt to the user;
after confirming that the user is facing the ATM, prompting the user, via the display, to confirm that the user is located in front of the ATM and is prepared to begin a withdrawal transaction;
receiving user confirmation, that the user is located in front of the ATM and is prepared to begin the withdrawal transaction;
based on the received confirmation, wirelessly transmitting, over a cellular data network and to the transaction server, a first request to establish a direct short range wireless connection with the ATM;
receiving, from the ATM, an authorization of the user; and
establishing the direct short range wireless connection with the ATM, based on the authorization.

8. The mobile device of claim 7 , wherein the authentication credential is one selected from a group consisting of a personal identification number (PIN), a password, a biometric scan, an answer to a challenge question, and a selection of a secret image.

9. The mobile device of claim 7 , wherein the direct short range wireless connection is one selected from a group consisting of a near field communication connection, a Bluetooth connection, an IrDA connection, a Wireless USB connection, a Z-Wave connection, a ZigBee connection, and a Body Area Network connection.

10. The mobile device of claim 7 , wherein the plurality of instructions further cause the processor to perform the step of:
sending, to the transaction server, a request to import a record of the cash amount to a financial management application (FMA).

11. The mobile device of claim 7 , further comprising:
a card reader,
wherein the plurality of instructions further cause the processor to perform the steps of:
prior to receiving the authentication credential:
obtaining, from the card reader, a scan of a financial card associated with the financial account; and
registering, based on the scan, the user with the mobile application,

wherein the direct short range wireless connection is established with the ATM based on the registration.

Assignees

• Dorsch William Michael
• Anderson Nathaniel David
• Guzel Joseph Hikmet
• Fasoli Jonathan David
• Intuit Inc

Inventors

• Dorsch William Michael
• Anderson Nathaniel David
• Guzel Joseph Hikmet
• Fasoli Jonathan David

Classifications

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title

• G07F19/20

  Automatic teller machines [ATMs] · CPC title

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title