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

Patent metadata

Field	Value
Publication number	US-10607222-B2
Application number	US-201916456585-A
Country	US
Kind code	B2
Filing date	Jun 28, 2019
Priority date	Feb 23, 2018
Publication date	Mar 31, 2020
Grant date	Mar 31, 2020

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. A method, comprising:
providing, by a device, a user interface for creating a multi-factor input associated with validating access to an account,
the multi-factor input being associated with a set of parameters including:
a combination of at least two characters that input simultaneously via an input component,
the combination being input by one or more of:
pressing the combination at a same time,
releasing the combination at the same time, or
pressing the combination during an overlapping time period; and

creating, by the device, the multi-factor input based upon input from a user.

2. The method of claim 1 , wherein the user receives a temporary personal identification number (PIN) associated with the account,
the temporary PIN being input prior to creating the multi-factor input.

3. The method of claim 1 , further comprising:
receiving the multi-factor input associated with validating access to the account,
determining whether the multi-factor input is valid for the account; and
selectively permitting or denying performance of one or more actions associated with the account based on determining whether the multi-factor input is valid for the account.

4. The method of claim 1 , wherein the set of parameters includes:
a force with which at least one character, of a sequence of characters, is input, and
a length of time over which the at least one character, of the sequence of characters, is input.

5. The method of claim 4 , wherein each character, included in the sequence of characters, is associated with a corresponding level of force with which that character is input.

6. The method of claim 4 , wherein each character, included in the sequence of characters, is associated with a corresponding length of time over which that character is input.

7. The method of claim 1 , wherein the user interface is associated with an automated teller machine (ATM).

8. A device, comprising:
one or more memories; and
one or more processors communicatively coupled to the one or more memories, configured to:
provide a user interface for creating input associated with access validation of an account,
wherein the user interface allows the user to identify values for the input;
receive the input associated with the access validation, wherein the input is associated with a set of parameters including:
a combination of at least two characters, that are input simultaneously via an input component,
wherein the combination is input by one or more of:
pressing the combination at a same time,
releasing the combination at the same time, or
pressing the combination during an overlapping time period;
determine whether the input is valid; and
selectively permit or deny access based on determining whether the input is valid.

9. The device of claim 8 , wherein the user receives a temporary personal identification number (PIN) associated with the account,
the temporary PIN being input prior to creating the input.

10. The device of claim 8 , 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.

11. The device of claim 8 , wherein the set of parameters includes:
a force with which at least one character, of a sequence of characters, is input, and
a length of time over which the at least one character, of the sequence of characters, is input.

12. The device of claim 11 , 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 device of claim 11 , 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 device of claim 8 , wherein the user interface is associated with an automated teller machine (ATM).

15. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors, cause the one or more processors to:
provide a user interface for creating a multi-factor input associated with validating access to an account,
the multi-factor input being associated with:
a set of parameters including a combination of at least two characters that are input simultaneously via an input component,
wherein the combination is input by one or more of:
pressing the combination at a same time,
releasing the combination at the same time, or
pressing the combination during an overlapping time period;

receive the multi-factor input associated with validating access to the account;
determine whether the multi-factor input is valid for the account; and
selectively permit or denying performance of one or more actions associated with the account based on determining whether the multi-factor input is valid for the account.

16. The non-transitory computer-readable medium of claim 15 , wherein a user receives a temporary personal identification number (PIN) associated with the account,
the temporary PIN being input prior to creating the multi-factor input.

17. The non-transitory computer-readable medium of claim 15 , wherein the set of parameters includes:
a force with which at least one character, of a sequence of characters, is input, and
a length of time over which the at least one character, of the sequence of characters, is input.

18. The non-transitory computer-readable medium of claim 17 , wherein the force is within a range of force and the length of time is within a range of time.

19. The non-transitory computer-readable medium of claim 17 , wherein each character, included in the sequence of characters, is associated with a corresponding level of force with which that character is input.

20. The non-transitory computer-readable medium of claim 15 , wherein the user interface is associated with an automated teller machine (ATM).

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06F3/0488

  using a touch-screen or digitiser, e.g. input of commands through traced gestures · CPC title

• G06F21/40

  by quorum, i.e. whereby two or more security principals are required · CPC title

• G07F19/201

  Accessories of ATMs · CPC title

• G07F7/1033

  Details of the PIN pad · CPC title

• G06F21/31

  User authentication · CPC title