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

Patent metadata

Field	Value
Publication number	US-11568407-B2
Application number	US-202117302773-A
Country	US
Kind code	B2
Filing date	May 12, 2021
Priority date	Feb 23, 2018
Publication date	Jan 31, 2023
Grant date	Jan 31, 2023

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:

1. A method, comprising:
receiving, by a device, a multi-factor user input for accessing a user account, wherein the multi-factor user input comprises a plurality of characters, inputted over a period of time, and a plurality of parameters associated with the plurality of characters; and
transmitting, by the device and based on receiving the multi-factor user input, information identifying the multi-factor user input to a second device, different from the device, for at least one of storing or validating the multi-factor user input.

2. The method of claim 1 , wherein the multi-factor user input is a multi-factor personal identification number.

3. The method of claim 1 , wherein the plurality of parameters includes one or more of:
a sequence of at least two characters of the plurality of characters,
a level of force of at least one character of the plurality of characters,
a length of time of at least one character of the plurality of characters, or
a combination of at least two characters, of the plurality of characters, inputted concurrently.

4. The method of claim 3 , wherein a level of force of the two characters, of the sequence, is independent from each other, or wherein a length of time of the two characters, of the sequence, is independent from each other.

5. The method of claim 1 , wherein the device is an access device that selectively permits or denies access to secure information or a secure area, and further comprising:
selectively permitting or denying a performance of one or more actions associated with the user account based on transmitting the information identifying the multi-factor user input.

6. The method of claim 5 , wherein the access device is an automated teller machine.

7. The method of claim 1 , wherein the device is a user device, and further comprising:
selectively permitting or denying a performance of one or more actions associated with the user account, and to be performed by the second device or a third device based on transmitting the information identifying the multi-factor user input.

8. The method of claim 1 , wherein the multi-factor user input is received after the multi-factor user input is created to access the user account using the multi-factor user input.

9. The method of claim 8 , wherein the multi-factor user input is created at a third device different from the device and the second device.

10. The method of claim 8 , further comprising:
creating the multi-factor user input to access the user account using the multi-factor user input.

11. A device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive a multi-factor user input for accessing a user account, wherein the multi-factor user input comprises a plurality of characters, inputted over a period of time, and a plurality of parameters associated with the plurality of characters; and
transmit, based on receiving the multi-factor user input, information identifying the multi-factor user input to a second device, different from the device, for at least one of storing or validating the multi-factor user input.

12. The device of claim 11 , wherein the device is an automated teller machine.

13. The device of claim 11 , wherein the one or more processors are further configured to:
create the multi-factor user input to access the user account using the multi-factor user input,
wherein receiving the multi-factor user input is based on creating the multi-factor user input.

14. The device of claim 11 , wherein the one or more processors are further configured to:
receive, from a transaction card, data associated with the transaction card,
wherein receiving the multi-factor user input is based on receiving the data associated with the transaction card.

15. The device of claim 11 , wherein the device is an access device that selectively permits or denies access to secure information or a secure area, and wherein the one or more processors are further configured to:
selectively permit or deny a performance of one or more actions associated with the user account based on transmitting the information identifying the multi-factor user input.

16. The device of claim 11 , wherein the multi-factor user input is received via an input component of the device, and
wherein the input component includes:
one or more mechanical buttons or one or more first sensors to detect a mechanical force with which the one or more mechanical buttons are pressed, or
one or more electronic buttons or one or more second sensors to detect a surface area covered when the one or more electronic buttons are pressed.

17. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors of a device, cause the one or more processors to:
receive a multi-factor user input for accessing a user account, wherein the multi-factor user input comprises a plurality of characters, inputted over a period of time, and a plurality of parameters associated with the plurality of characters; and
transmit, based on receiving the multi-factor user input, information identifying the multi-factor user input to a second device, different from the device, for at least one of storing or validating the multi-factor user input.

18. The non-transitory computer-readable medium of claim 17 , wherein the device is a user device.

19. The non-transitory computer-readable medium of claim 17 , wherein the one or more instructions, that cause the one or more processors to transmit the information identifying the multi-factor user input, cause the one or more processors to:
determine, based on receiving the multi-factor user input, whether the multi-factor user input is valid for selectively permitting a performance of one or more actions associated with the at least one of the storing or validating of the multi-factor user input; and
transmit, based on determining that the multi-factor user input is valid, the information identifying the multi-factor user input.

20. The non-transitory computer-readable medium of claim 19 , wherein the one or more actions include at least one of:
transmitting account information associated with the user account,
performing a transaction associated with the user account,
withdrawing a medium of exchange from the user account, or
depositing the medium of exchange to the user account.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06F3/04883

  for inputting data by handwriting, e.g. gesture or text · 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

• G06F3/0488

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

• G06F21/316

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

• G06F21/40

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