Interacting with an automated teller machine using a user device

Patent metadata

Field	Value
Publication number	US-10510065-B2
Application number	US-201815974610-A
Country	US
Kind code	B2
Filing date	May 8, 2018
Priority date	May 8, 2018
Publication date	Dec 17, 2019
Grant date	Dec 17, 2019

Abstract

A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.

First claim

What is claimed is:

1. A method, comprising:
receiving, by a user device, an indication that an automated teller machine (ATM) transaction is to be conducted,
wherein the indication is received based on detecting, by the user device, a presence of an ATM transaction card;

displaying, by the user device, one or more prompts, for a user to input user authentication credential information, and to select an ATM transaction type, based on receiving the indication;
detecting, by the user device, one or more user inputs that include a user authentication credential and a selection of a particular ATM transaction type after displaying the one or more prompts;
receiving, by the user device and from an ATM device, a request to establish a communication session after detecting the one or more user inputs,
the ATM device including a sync button to initiate communicative coupling of the ATM device and the user device, and
the request being based on a selection of the sync button;

communicatively coupling, by the user device, to the ATM device based on receiving the request;
receiving, by the user device, from the ATM device, and via the communication session, data indicating that the ATM transaction card has physically interfaced with the ATM device;
providing, by the user device, to the ATM device, and based on receiving the data indicating that the ATM transaction card has physically interfaced with the ATM device and based on communicatively coupling to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction; and
displaying, by the user device, information regarding the ATM transaction after providing the user authentication credential and the data regarding the particular ATM transaction type.

2. The method of claim 1 , wherein receiving the indication comprises:
receiving, by the user device, a user command to conduct the ATM transaction using information associated with the ATM transaction card.

3. The method of claim 1 , further comprising:
initiating a timer after detecting the one or more user inputs;
determining whether the timer has expired prior to providing the user authentication credential and the data regarding the particular ATM transaction type; and
wherein providing the user authentication credential and the data regarding the particular ATM transaction type comprises:
providing the user authentication credential and the data regarding the particular ATM transaction type further based on determining that the timer has not expired.

4. The method of claim 1 , further comprising:
receiving, from the ATM device, the information regarding the ATM transaction; and
wherein displaying the information regarding the ATM transaction comprises:
displaying the information regarding the ATM transaction based on receiving the information regarding the ATM transaction.

5. The method of claim 1 , wherein the information regarding the ATM transaction comprises:
an instruction to the user to insert one or more financial instruments into the ATM device, or to retrieve one or more financial instruments from the ATM device, depending on the particular ATM transaction type.

6. The method of claim 1 , wherein detecting the presence of the ATM transaction card comprises:
detecting, by the user device, the presence of the ATM transaction card using near-field communication (NFC).

7. The method of claim 1 , further comprising:
automatically executing an application of the user device based on a location of the user device relative to the ATM device,
the application being used to communicate with the ATM device.

8. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors of a user device, cause the one or more processors to:
receive an indication that an automated teller machine (ATM) transaction is to be conducted,
wherein the indication is received based on detecting, by the user device, a presence of an ATM transaction card;

display one or more prompts, for a user to input user authentication credential information, and to select an ATM transaction type, based on receiving the indication;
detect one or more user inputs that include a user authentication credential and a selection of a particular ATM transaction type after displaying the one or more prompts;
receive, from an ATM device, a request to establish a communication session after detecting the one or more user inputs,
the ATM device including a sync button to initiate communicative coupling of the ATM device and the user device, and
the request being based on a selection of the sync button;

communicatively couple to the ATM device based on receiving the request;
receive, from the ATM device, and via the communication session, data indicating that the ATM transaction card has physically interfaced with the ATM device;
provide, to the ATM device, and based on receiving the data indicating that the ATM transaction card has physically interfaced with the ATM device and based on communicatively coupling to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction; and
display information regarding the ATM transaction after providing the user authentication credential and the data regarding the particular ATM transaction type.

9. The non-transitory computer-readable medium of claim 8 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
provide, to the ATM device, data relating to the ATM transaction card.

10. The non-transitory computer-readable medium of claim 8 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
initiate a timer after detecting the one or more user inputs; and
determine whether the timer has expired prior to providing the user authentication credential and the data regarding the particular ATM transaction type.

11. The non-transitory computer-readable medium of claim 8 , wherein the particular ATM transaction type relates to withdrawing financial instruments from the ATM device; and
wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
receive, from the ATM device, an instruction to prompt the user to obtain a financial instrument from the ATM device.

12. The non-transitory computer-readable medium of claim 8 , wherein the particular ATM transaction type relates to depositing financial instruments into the ATM device; and
wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
receive, from the ATM device, an instruction to prompt the user to deposit a financial instrument into the ATM device.

13. The non-transitory computer-readable medium of claim 8 , wherein the information regarding the ATM transaction comprises:
an instruction to the user to insert one or more financial instruments into the ATM device, or to retrieve one or more financial instruments from the ATM device, depending on the particular ATM transaction type.

14. A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive an indication that an automated teller machine (ATM) transaction is to be conducted,
wherein the indication is received based on detecting,

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/3223 Primary

  Realising banking transactions through M-devices · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title