Securing a cardless ATM authentication through position detection

Patent metadata

Field	Value
Publication number	US-11657682-B2
Application number	US-202217567303-A
Country	US
Kind code	B2
Filing date	Jan 3, 2022
Priority date	Jan 17, 2020
Publication date	May 23, 2023
Grant date	May 23, 2023

Abstract

Systems and methods include a kiosk that performs an electronic payment transaction based on instructions received from a portable device of a user. The system further includes a transmitting device electrically coupled to the kiosk. The transmitting device is configured to transmit a first signal to the portable device at a first direction. The system further includes a receiving device electrically coupled to the kiosk. The receiving device is configured to receive a second signal from the portable device at a second direction. The transmitting device and receiving device are positioned such that the first and second direction enable determination of a position of the user, where the processor enables the electronic payment transaction to be processed only when the portable device is at a location relative to the kiosk. The location is disposed within a transmission path coextensive with both the first direction and the second direction.

First claim

What is claimed is:

1. A system comprising:
a kiosk comprising a processor configured to perform an electronic payment transaction based on instructions received from a user device, wherein the kiosk is at a first location and the instructions are received from the user device when the user device is at a second location;
a transmitting device communicatively coupled to the kiosk, the transmitting device configured to transmit a first signal to the user device; and
a receiving device communicatively coupled to the kiosk, the receiving device configured to:
receive a second signal transmitted from the user device, wherein the transmitting device and receiving device are positioned to enable the kiosk, by the processor, to triangulate a position of the user device when the user device is at the second location; and
execute the electronic payment transaction based on the instructions in response to triangulating the position of the user device.

2. The system of claim 1 , wherein the transmitting device transmits the first signal based on an instruction received from the kiosk.

3. The system of claim 1 , wherein the receiving device is disposed over the transmitting device in a direction extending linearly with a first direction and a second direction.

4. The system of claim 1 , wherein the transmitting device comprises a base member, a directional antenna electrically coupled to the kiosk, and a sensor electrically coupled to the kiosk and configured to detect a presence of the user device.

5. The system of claim 1 , wherein:
the kiosk, based on an initiation signal received from the transmitting device, generates an encryption key,
the transmitting device, based on an instruction received from the kiosk, transmits the first signal, the first signal comprising the encryption key, and
the processor, based on the second signal received from the user device, establishes a secure binding between the kiosk and the user device, the secure binding enabling processing of the electronic payment transaction.

6. The system of claim 5 , wherein the processor determines, based on the triangulating of the position of the user device, whether the user device is in proximity of the kiosk, and, when the user device is in proximity of the kiosk, authorizes the electronic payment transaction.

7. The system of claim 1 , wherein the transmitting device is configured to transmit the first signal, by a directional antenna, to the user device disposed over the directional antenna.

8. A computer-implemented method comprising:
transmitting, by a user device at a first location, an instruction for an electronic payment transaction to a kiosk at a second location;
receiving, by the user device, a first signal from a transmitting device communicatively coupled to the kiosk; and
transmitting, by the user device, a second signal to a receiving device communicatively coupled to the kiosk, wherein the transmitting device and receiving device are positioned to enable the kiosk to triangulate a position of the user device when the user device is at the second location,
wherein the kiosk executes the electronic payment transaction based on the instruction in response to triangulating the position of the user device.

9. The computer-implemented method of claim 8 , further comprising generating, after receiving the first signal by the user device, the second signal comprising a response key to enable the kiosk to perform a two-factor authentication of the user device.

10. The computer-implemented method of claim 8 , further comprising generating, after receiving the first signal by the user device, the second signal comprising a response key comprising a one-time password (OTP) based on information associated with a user.

11. The computer-implemented method of claim 8 , further comprising:
scanning, using a camera of the user device, a quick response (QR) code associated with the kiosk;
wherein the scanning of the QR code enables the kiosk to transmit the first signal comprising an encryption key.

12. The computer-implemented method of claim 8 , wherein:
the receiving the first signal comprises receiving an encryption key transmitted from a directional antenna of the transmitting device from a first direction,
the transmitting the second signal comprises transmitting a response key in a second direction, and
the first direction and the second direction enable the kiosk to triangulate a position of the user device.

13. The computer-implemented method of claim 8 , wherein the transmitting device is configured to transmit the first signal, by a directional antenna, to the user device disposed over the directional antenna.

14. A non-transitory computer-readable medium for generating and performing a replication task, having instructions stored thereon that, when executed by at least one computing device, cause the at least one computing device to perform operations comprising:
transmitting, from a user device at a first location, an instruction for an electronic payment transaction to a kiosk at a second location;
receiving a first signal in a first direction from a transmitting device communicatively coupled to the kiosk; and
transmitting a second signal to a receiving device communicatively coupled to the kiosk, wherein the transmitting device and receiving device are positioned to enable the kiosk to triangulate a position of the user device when the user device is at the second location,
wherein the kiosk executes the electronic payment transaction based on the instruction in response to triangulating the position of the user device.

15. The non-transitory computer-readable medium of claim 14 , wherein the operations further comprise generating, after receiving the first signal by the user device, the second signal comprising a response key to enable the kiosk to perform a two-factor authentication of the user device.

16. The non-transitory computer-readable medium of claim 14 , wherein the operations further comprise generating, after receiving the first signal by the user device, the second signal comprising a response key comprising a one-time password (OTP) based on information associated with a user.

17. The non-transitory computer-readable medium of claim 14 wherein the operations further comprise:
scanning, using a camera of the user device, a quick response (QR) code associated with the kiosk;
wherein the scanning of the QR code enables the kiosk to transmit the first signal comprising an encryption key.

18. The non-transitory computer-readable medium of claim 14 , wherein:
the receiving the first signal comprises receiving an encryption key transmitted from a directional antenna of the transmitting device from a first direction,
the transmitting the second signal comprises transmitting a response key in a second direction, and
the first direction and the second direction enable the kiosk to triangulate a position of the user device.

19. The non-transitory computer-readable medium of claim 14 , wherein the transmitting device is configured to transmit the first signal, by a directional antenna, to the user device disposed over the directional antenna.

20. The non-transitory computer-readable medium of claim 14 , wherein the kiosk determines, based on the triangulating of the position of the user device, whether the user device is in proximity of the kiosk, and, when the user device is in proximity of the kiosk, authorizes the electronic payment transaction.

Assignees

• Capital One Services Llc

Inventors

• Miller Mitchell

Classifications

• G07F9/001

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

• H04L63/107

  wherein the security policies are location-dependent, e.g. entities privileges depend on current location or allowing specific operations only from locally connected terminals · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G07F19/204

  Loading of a stored value token using an ATM · CPC title

• H04L2463/102

  applying security measure for e-commerce · CPC title