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

Patent metadata

Field	Value
Publication number	US-11010761-B2
Application number	US-202016793615-A
Country	US
Kind code	B2
Filing date	Feb 18, 2020
Priority date	Feb 23, 2018
Publication date	May 18, 2021
Grant date	May 18, 2021

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:
receiving, by a device, user input that indicates a set of parameters for a multi-factor input associated with validating access to an account,
the set of parameters including:
a particular parameter specifying a combination of at least two characters that are 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
transmitting, by the device, the set of parameters to a validation device associated with validating access to the account.

2. The method of claim 1 , wherein the device is one of:
an automated teller machine (ATM); or
a user device.

3. The method of claim 1 , further comprising:
selectively permitting or denying performance of one or more actions associated with the account based on determining whether the set of parameters is valid for the account.

4. The method of claim 3 , wherein the one or more actions include at least one of:
transmitting account information associated with the account,
performing a transaction associated with the account,
withdrawing money from the account, or
depositing money to the account.

5. 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.

6. The method of claim 1 , wherein the input component includes one or more mechanical buttons and one or more sensors to detect a mechanical force with which the one or more mechanical buttons are pressed.

7. The method of claim 1 , wherein the input component includes one or more electronic buttons and one or more sensors to detect a surface area covered when the one or more electronic buttons are pressed.

8. A device, comprising:
one or more memories; and
one or more processors communicatively coupled to the one or more memories, configured to:
receive a temporary personal identification number (PIN) associated with an account,
the temporary PIN being received based upon a user interacting with an input component of the device;
provide a user interface for creating input associated with access validation of the account,
the user interface allowing the user to identify values for the input;
receive the input associated with access validation, wherein the input includes:
a particular input specifying a combination of at least two characters that are input simultaneously via the 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
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 device is an automated teller machine (ATM).

10. The device of claim 8 , wherein the input further includes:
a sequence of characters, and
a level of force with which at least one character, of the sequence of characters, is input.

11. 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.

12. The device of claim 8 , wherein the input includes:
a sequence of characters input over a length of time.

13. The device of claim 8 , wherein the input component includes one or more mechanical buttons and one or more sensors to detect a mechanical force with which the one or more mechanical buttons are pressed.

14. The device of claim 8 , wherein the input component includes one or more electronic buttons and one or more sensors to detect a surface area covered when the one or more electronic buttons are pressed.

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:
receive user input that indicates a multi-factor input associated with validating access to an account,
the multi-factor input including:
a parameter, of a plurality of parameters, specifying a combination of at least two characters that are 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
transmit the multi-factor input to a validation device associated with validating access to the account.

16. The non-transitory computer-readable medium of claim 15 , wherein the device is one of:
an automated teller machine (ATM); or
a user device.

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
selectively permit or deny performance of one or more actions associated with the account based on determining whether the multi-factor input is valid for the account.

18. The non-transitory computer-readable medium of claim 17 , wherein the one or more actions include at least one of:
transmitting account information associated with the account,
performing a transaction associated with the account,
withdrawing money from the account, or
depositing money to the account.

19. The non-transitory computer-readable medium of claim 15 , wherein the input component includes one or more mechanical buttons and one or more sensors to detect a mechanical force with which the one or more mechanical buttons are pressed.

20. The non-transitory computer-readable medium of claim 15 , wherein the input component includes one or more electronic buttons and one or more sensors to detect a surface area covered when the one or more electronic buttons are pressed.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G07F19/201

  Accessories of ATMs · CPC title

• G07F7/1033

  Details of the PIN pad · CPC title

• G06Q20/4012 Primary

  Verifying personal identification numbers [PIN] · CPC title

• G06F21/316

  by observing the pattern of computer usage, e.g. typical user behaviour · CPC title

• G06F3/04886

  by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus · CPC title