Providing augmented reality user interfaces for automated teller machine transactions

Patent metadata

Field	Value
Publication number	US-11276050-B1
Application number	US-202017060601-A
Country	US
Kind code	B1
Filing date	Oct 1, 2020
Priority date	Oct 1, 2020
Publication date	Mar 15, 2022
Grant date	Mar 15, 2022

Abstract

Aspects of the disclosure relate to providing augmented reality user interfaces for ATM transactions. In some embodiments, a computing platform may receive presence information indicating that a mobile computing device is within a predetermined distance of a first ATM at a first location, authenticate a user of the mobile computing device to an online banking account, and generate a transaction-specific device identifier that uniquely identifies the first ATM at the first location. Thereafter, the computing platform may generate and send an augmented reality user interface to the mobile computing device, prompting the user to use the mobile computing device to capture the transaction-specific device identifier. Based on verifying that the user is authorized to perform a transaction at the first ATM, the computing platform may cause an NFC connection to be established between the mobile computing device and the first ATM, via which the transaction may be conducted.

First claim

What is claimed is:

1. A computing platform, comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, via the communication interface, presence information indicating that a mobile computing device is within a predetermined distance of a first automated teller machine (ATM) at a first location;
based on receiving the presence information indicating that the mobile computing device is within the predetermined distance of the first ATM at the first location, send, via the communication interface, to the mobile computing device, a notification identifying the first ATM at the first location as having augmented reality capability;
authenticate a user of the mobile computing device to an online banking account;
generate a transaction-specific device identifier associated with the first ATM, wherein the transaction-specific device identifier uniquely identifies the first ATM at the first location;
send, via the communication interface, the transaction-specific device identifier to the first ATM and cause the first ATM to display the transaction-specific device identifier;
send, via the communication interface, to the mobile computing device, a first augmented reality user interface generated for the mobile computing device, wherein sending the first augmented reality user interface generated for the mobile computing device causes the mobile computing device to display the first augmented reality user interface, and prompt the user of the mobile computing device to use the mobile computing device to capture the transaction-specific device identifier displayed on the first ATM;
verify that the user of the mobile computing device is authorized to perform a transaction at the first ATM at the first location based on the transaction-specific device identifier captured by the mobile computing device;
based on verifying that the user of the mobile computing device is authorized to perform the transaction at the first ATM at the first location, cause a near field communication connection to be established between the mobile computing device and the first ATM;
send, via the communication interface, to the mobile computing device, a second augmented reality user interface generated for the mobile computing device, wherein sending the second augmented reality user interface generated for the mobile computing device causes the mobile computing device to display the second augmented reality user interface, and prompt the user of the mobile computing device to use the mobile computing device to perform the transaction at the first ATM,
wherein prompting the user of the mobile computing device to use the mobile computing device to perform the transaction at the first ATM comprises prompting the user of the mobile computing device to use the mobile computing device to read information displayed on a display screen of the first ATM, wherein the information displayed on the display screen of the first ATM is associated with, but different from, information displayed on the second augmented reality user interface generated for the mobile computing device; and
after prompting the user of the mobile computing device to use the mobile computing device to perform the transaction at the first ATM, cause the first ATM to complete the transaction based on information received from the mobile computing device via the near field communication connection.

2. The computing platform of claim 1 , wherein generating the transaction-specific device identifier associated with the first ATM comprises generating one or more of: a quick response (QR) code, a unique numerical identifier, or a unique graphical identifier.

3. The computing platform of claim 1 , wherein the information displayed on the display screen of the first ATM is associated with, but different from, information displayed on the first augmented reality user interface generated for the mobile computing device.

4. The computing platform of claim 1 , wherein the information displayed on the display screen of the first ATM comprises information displayed in non-human readable form.

5. The computing platform of claim 1 , wherein information displayed on the first augmented reality user interface generated for the mobile computing device comprises information displayed in human-readable form.

6. The computing platform of claim 1 , wherein information displayed on the first augmented reality user interface generated for the mobile computing device comprises information displayed in a preferred language associated with the mobile computing device.

7. The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, via the communication interface, presence information indicating that the mobile computing device is outside of the predetermined distance of the first ATM at the first location; and
based on receiving the presence information indicating that the mobile computing device of the user is outside of the predetermined distance of the first ATM at the first location, terminate the transaction at the first ATM.

8. The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, via the communication interface, capability information of the first ATM at the first location.

9. The computing platform of claim 1 , wherein the information displayed on the display screen of the first ATM comprises information displayed in non-human readable form.

10. The computing platform of claim 1 , wherein the information displayed on the second augmented reality user interface generated for the mobile computing device comprises information displayed in human-readable form.

11. The computing platform of claim 1 , wherein the information displayed on the second augmented reality user interface generated for the mobile computing device comprises information displayed in a preferred language associated with the mobile computing device.

12. A method, comprising:
receiving, by at least one processor, via a communication interface, presence information indicating that a mobile computing device is within a predetermined distance of a first automated teller machine (ATM) at a first location;
based on receiving the presence information indicating that the mobile computing device is within the predetermined distance of the first ATM at the first location, sending, via the communication interface, to the mobile computing device, a notification identifying the first ATM at the first location as having augmented reality capability;
authenticating, by the at least one processor, a user of the mobile computing device to an online banking account;
generating, by the at least one processor, a transaction-specific device identifier associated with the first ATM, wherein the transaction-specific device identifier uniquely identifies the first ATM at the first location;
sending, via the communication interface, the transaction-specific device identifier to the first ATM and cause the first ATM to display the transaction-specific device identifier;
sending, by the at least one processor, via the communication interface, to the mobile computing device, a first augmented reality user interface generated for the mobile computing device, wherein sending the first augmented reality user interface generated for the mobile compu

Assignees

• Bank Of America

Inventors

• Lightowler Ben
• Mortman David

Classifications

• G07F19/201

  Accessories of ATMs · CPC title

• G07F19/206

  Software aspects at ATMs · CPC title

• G07F19/205

  Housing aspects of ATMs · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title