Systems and methods for financial operations performed at a contactless ATM

Patent metadata

Field	Value
Publication number	US-10706400-B1
Application number	US-201715818557-A
Country	US
Kind code	B1
Filing date	Nov 20, 2017
Priority date	Nov 19, 2015
Publication date	Jul 7, 2020
Grant date	Jul 7, 2020

Abstract

An automated teller machine (“ATM”) is associated with a financial institution (FI). The ATM includes a network interface circuit (“NFC”) enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a mobile wallet circuit on a mobile device associated with a customer, and a processing circuit communicably engaged to the network interface circuit and the input/output circuit. The processing circuit includes a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive, by the input/output device; a payment token from the mobile wallet circuit; determine whether the payment token is associated with the FI; in response to determining that the payment token is associated with the FI, detokenize the payment token to identify an customer account; and process an ATM transaction using the customer account.

First claim

What is claimed is:

1. An automated teller machine (ATM) associated with a financial institution (FI), the ATM comprising:
a network interface circuit enabling the ATM to exchange information over a network;
an input/output device configured to exchange data with a mobile wallet circuit on a mobile device associated with a customer; and
a processing circuit communicably engaged to the network interface circuit and the input/output device and comprising a processor and a memory, the memory structured to store instructions that are executable by the processor and cause the processing circuit to:
receive, by the input/output device, a payment token from the mobile wallet circuit;
determine whether the payment token is associated with the FI;
in response to determining that the payment token is associated with the FI, detokenize the payment token to identify an account associated with the customer and
process an ATM transaction request using the customer account; and
in response to determining that the payment token is not associated with the FI, transmit the payment token to a card network computing system without the detokenizing of the payment token.

2. The ATM of claim 1 , wherein the instructions further cause the processing circuit to:
receive, by the input/output device, a cryptogram from the mobile wallet circuit;
in response to determining that the payment token is associated with the FI, authenticate the cryptogram; and
process the ATM transaction request in response to the authentication of the cryptogram.

3. The ATM of claim 2 , wherein the instructions further cause the processing circuit to:
receive, by the network interface circuit, a master encryption key from an enterprise key management circuit; and
authenticate the cryptogram using the master encryption key.

4. The ATM of claim 1 , wherein the input/output device includes a near-field communication (NFC) device, and wherein the instructions further cause the processing circuit to:
establish, by the NFC device, an NFC session with the mobile device; and
receive the payment token from the mobile wallet circuit via the NFC session.

5. The ATM of claim 1 , wherein the instructions further cause the processing circuit to:
receive, by the input/output device, customer authentication information; and
verify that the customer authentication information matches authentication information stored for the customer.

6. The ATM of claim 5 , wherein the customer authentication information is received from the mobile wallet circuit.

7. The ATM of claim 1 , wherein the instructions cause the processing circuit to process the ATM transaction request by communicating, by the network interface circuit, with a data exchange circuit of a computing system associated with the FI.

8. The ATM of claim 7 , wherein the ATM is associated with an ATM identifier, and wherein the instructions further cause the ATM to transmit the ATM identifier to the FI computing system.

9. The ATM of claim 1 , wherein the instructions further cause the processing circuit to transmit a notification to a third party wallet provider associated with the mobile wallet circuit indicating that the ATM transaction has occurred.

10. A method of completing transactions at an automated teller machine (ATM) associated with an FI, the method comprising:
receiving, by an input/output device of the ATM, a payment token from a mobile wallet circuit on a mobile device;
determining, by a processing circuit of the ATM, whether the payment token is associated with the FI;
in response to determining that the payment token is associated with the FI, detokenizing, by the processing circuit, the payment token to identify an account associated with a customer and processing an ATM transaction request using the customer account; and
in response to determining that the payment token is not associated with the FI, transmitting, by the processing circuit, the payment token to a card network computing system without the detokenizing of the payment token.

11. The method of claim 10 , further comprising:
receiving, by the input/output device, a cryptogram from the mobile wallet circuit;
in response to determining that the payment token is associated with the FI, authenticating, by the processing circuit, the cryptogram; and
processing the ATM transaction request in response to the authentication of the cryptogram.

12. The method of claim 11 , further comprising:
receiving, by a network interface circuit of the ATM, a master encryption key from an enterprise key management circuit; and
authenticating, by the processing circuit, the cryptogram using the master encryption key.

13. The method of claim 10 , wherein the input/output device includes a near-field communication (NFC) device;
wherein the method further comprises establishing, by the NFC device, an NFC session with the mobile device; and
wherein receiving the payment token comprises receiving, by the NFC device, the payment token from the mobile wallet circuit via the NFC session.

14. The method of claim 10 , further comprising:
receiving, by the input/output device, customer authentication information; and
verifying, by the processing circuit, that the customer authentication information matches authentication information stored for the customer.

15. The method of claim 14 , wherein receiving the customer authentication information comprises receiving the customer authentication information from the mobile wallet circuit.

16. The method of claim 10 , wherein processing the ATM transaction request comprises communicating, by a network interface circuit of the ATM, with a data exchange circuit of a computing system associated with the FI.

17. The method of claim 16 , wherein the ATM is associated with an ATM identifier, and wherein the method further comprises transmitting, by the network interface circuit, the ATM identifier to the FI computing system.

18. The method of claim 10 , further comprising transmitting, by a network interface circuit of the ATM, a notification to a third party wallet provider associated with the mobile wallet circuit indicating that the ATM transaction has occurred.

Assignees

• Wells Fargo Bank Na

Inventors

• Puffer Steven E
• Rhodes Jerome
• Thomas Michael R
• Yadav Hemesh

Classifications

• G06Q20/367

  involving electronic purses or money safes · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/1085

  involving automatic teller machines [ATMs] · CPC title

• H04L9/3242 Primary

  involving keyed hash functions, e.g. message authentication codes [MACs], CBC-MAC or HMAC · CPC title

• G07F19/20

  Automatic teller machines [ATMs] · CPC title