ATM token cash withdrawal

Patent metadata

Field	Value
Publication number	US-10762483-B2
Application number	US-201715591993-A
Country	US
Kind code	B2
Filing date	May 10, 2017
Priority date	Mar 4, 2014
Publication date	Sep 1, 2020
Grant date	Sep 1, 2020

Abstract

Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.

First claim

What is claimed is:

1. A system comprising:
a remote server, the remote server configured to: (i) communicate a server token to a mobile device, (ii) determine that an automated teller machine is authorized for use by comparing an identification marker of the automated teller machine with a list of identification markers, (iii) authenticate a device token by comparing the device token with the server token previously communicated to the mobile device, wherein the device token comprises an identification marker for the mobile device, wherein authentication is further based on the identification marker for the mobile device, and (iv), in response to determining that the automated teller machine is authorized for use and authenticating the device token, communicate an authentication response to the automated teller machine; and
the automated teller machine, the automated teller machine comprising:
a memory;
a computing processor; and
a module stored in the memory, the module comprising instruction code executable by one or more processors, and configured to cause the one or more processors to:
receive a pairing request from the mobile device;
send, to the mobile device, a pairing response;
receive, from the mobile device, an authorization request, wherein the authorization request comprises at least the device token, wherein the device token is encrypted;
generate a security packet, wherein the security packet comprises at least the device token, the identification marker for the mobile device, and the identification marker of the automated teller machine, wherein generating the security packet comprises encrypting the security packet;
communicate, to the remote server, the security packet that comprises the device token and the identification marker of the automated teller machine;
receive, from the remote server, the authentication response; and
grant access, to a user, to perform at least one financial transaction associated with the device token based at least in part on the authentication response received from the remote server.

2. The system of claim 1 , wherein the automated teller machine is further configured to:
request a user submitted personal identification number (PIN), wherein the user submitted PIN is a sequence of characters;
receive the user submitted PIN; and

wherein, the security packet further comprises the user submitted PIN.

3. The system of claim 2 , wherein the automated teller machine further comprises a keypad; and
wherein, receiving the user submitted PIN comprises recording a user entering a PIN using the keypad.

4. The system of claim 2 , wherein the authorization request further comprises the user submitted PIN; and
wherein, receiving the user submitted PIN comprises extracting the user submitted PIN from the authorization request.

5. The system of claim 1 , wherein:
the automated teller machine further comprises a near field communications (NFC) reader;
the pairing request is received from the mobile device with the NFC reader; and
the authorization request is received from the mobile device with the NFC reader.

6. The system of claim 1 , wherein the automated teller machine is further configured to send a transaction communication wherein the transaction communication comprising at least information indicating an amount of money and the device token.

7. The system of claim 1 , wherein the at least one financial transaction associated with the device token is at least one of a money withdrawal from an account associated with the device token, a transfer of money between accounts associated with the device token, viewing an account balance of an account associated with the device token, and making a deposit into an account associated with the device token.

8. The system of claim 1 , wherein the device token is encrypted at least in part based on time.

9. The system of claim 1 , wherein the security packet comprises global position information about the automated teller machine.

10. A computerized method for handling financial transactions on a financial account associated with a token, the method comprising:
communicating, with a remote server, a server token to a mobile device;
receiving, with an automated teller machine, a pairing request from the mobile device;
sending, with the automated teller machine, to the mobile device, a pairing response;
receiving, with the automated teller machine, from the mobile device, an authorization request, wherein the authorization request comprises at least a device token, wherein the device token is encrypted, wherein the device token comprises an identification marker for the mobile device;
generating, with the automated teller machine, a security packet, wherein the security packet comprises at least the device token, the identification marker for the mobile device, and an identification marker of the automated teller machine, wherein generating the security packet comprises encrypting the security packet;
communicating, with the automated teller machine, to the remote server, the security packet that comprises the device token and the identification marker of the automated teller machine;
determining, with the remote server, that the automated teller machine is authorized for use by comparing the identification marker of the automated teller machine with a list of identification markers;
authenticating, with the remote server, the device token by comparing the device token with the server token previously communicated to the mobile device, wherein authentication is further based on the identification marker for the mobile device;
in response to determining that the automated teller machine is authorized for use and authenticating the device token, communicating, with the remote server, an authentication response to the automated teller machine;
receiving, with the automated teller machine, from the remote server, the authentication response; and
granting, with the automated teller machine, access, to a user, to perform at least one financial transaction associated with the device token based at least in part on the authentication response received from the remote server.

11. The method of claim 10 , comprising:
requesting a user submitted personal identification number (PIN), wherein the user submitted PIN is a sequence of characters;
receiving the user submitted PIN; and

wherein, the security packet further comprises the user submitted PIN.

12. The method of claim 10 , wherein:
the pairing request is received from the mobile device with a near field communications (NFC) reader; and
the authorization request is received from the mobile device with the NFC reader.

13. The method of claim 10 , wherein the device token is encrypted at least in part based on time.

14. The method of claim 10 , wherein the security packet comprises global position information about the automated teller machine.

Assignees

• Bank Of America

Inventors

• Bondesen Laura Corinne
• Blackhurst Jason P
• Harkey Scott Lee
• Belchee William Blakely
• Brunswig Tammy L

Classifications

• G07F9/001 Primary

  Interfacing with vending machines using mobile or wearable devices · CPC title

• H04L63/0807

  using tickets, e.g. Kerberos (cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213) · CPC title

• G06Q20/4012

  Verifying personal identification numbers [PIN] · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title