Interacting with an automated teller machine using a user device

Patent metadata

Field	Value
Publication number	US-11763286-B2
Application number	US-202117302469-A
Country	US
Kind code	B2
Filing date	May 4, 2021
Priority date	May 8, 2018
Publication date	Sep 19, 2023
Grant date	Sep 19, 2023

Abstract

A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.

First claim

What is claimed:

1. A method, comprising:
receiving, by an Automated Teller Machine (ATM), an indication of a user selection of a sync button of the ATM, wherein the ATM provides only a single user input component that is the sync button;
initiating, by the ATM and based on receiving the indication, wireless communications with a user device, external to the ATM, to cause the ATM to communicatively couple with the user device;
receiving, by the ATM and from the user device, information indicative of a personal identification number (PIN) for validation of an account associated with the PIN;
validating, by the ATM and based on receiving the information indicative of the PIN, the PIN; and
performing, by the ATM and based on validating the PIN, one or more user-selected ATM transaction requests.

2. The method of claim 1 , wherein the wireless communications comprise one or more broadcasting signals or one or more pairing signals.

3. The method of claim 2 , wherein at least one, of the one or more broadcasting signals or the one or more pairing signals, contains a unique identifier associated with the ATM.

4. The method of claim 1 , further comprising:
illuminating, based on one or more events, one or more illumination components to provide one or more status notifications,
wherein the one or more events include:
receiving information indicative of the user selection of the sync button,
receiving the information indicative of the PIN, or
communicatively coupling or pairing with the user device.

5. The method of claim 4 , wherein the one or more illumination components are configured to illuminate in different manners based on the one or more events.

6. The method of claim 1 , further comprising:
determining a quantity of times that the user device has communicatively coupled or paired to the ATM per a unit of time,
wherein initiating the wireless communications is based on determining the quantity of times.

7. The method of claim 1 , further comprising:
determining a duration of time that the user device has been communicatively coupled to the ATM; and
terminating, based on the user device being communicatively coupled to the ATM for the duration of time, the wireless communications with the user device.

8. The method of claim 1 , wherein the ATM is display free.

9. The method of claim 1 , wherein the ATM includes no user input components other than the sync button.

10. An Automated Teller Machine (ATM), comprising:
one or more processors, coupled to one or more memories, configured to:
receive an indication of a user selection of a sync button of the ATM, wherein the ATM provides only a single user input component that is the sync button;
initiate, based on receiving the indication, wireless communications with a user device, external to the ATM, to cause the ATM to communicatively couple with the user device;
receive, from the user device, information indicative of a personal identification number (PIN) for validation of an account associated with the PIN;
validate, based on receiving the information indicative of the PIN, the PIN; and
perform, based on validating the PIN, one or more user-selected ATM transaction requests.

11. The ATM of claim 10 , wherein the one or more processors are further configured to:
cause the user device to present one or more user interfaces relating to the PIN and the one or more user-selected ATM transaction requests; and
receive, based on causing the user device to present the one or user interfaces, information indicative of the PIN and the one or more user-selected ATM transaction requests.

12. The ATM of claim 10 , wherein the one or more processors are further configured to:
receive, based on initiating the wireless communications, information indicative of the one or more user-selected ATM transaction requests.

13. The ATM of claim 10 , wherein the one or more processors are further configured to:
provide, to the user device, an indication to provide information indicative of the PIN,
wherein receiving the information indicative of the PIN is based on providing the indication.

14. The ATM of claim 13 , wherein the one or more processors are further configured to:
provide instructions to interact with a transaction card reader by performing one or more actions including:
inserting an ATM card into the transaction card reader,
swiping the ATM card through the transaction card reader, or
tapping the ATM card on, or placing the ATM card near, the transaction card reader,
wherein receiving the information indicative of the PIN is based on providing the instructions.

15. The ATM of claim 10 , wherein validating the PIN is based on communicating with one or more server devices.

16. The ATM of claim 10 , wherein the one or more processors are further configured to:
provide, to the user device and based on validating the PIN, an indication that the PIN is validated.

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 an Automated Teller Machine (ATM), cause the one or more processors to:
receive an indication of a user selection of a sync button of the ATM, wherein the ATM provides only a single user input component that is the sync button;
initiate, based on receiving the indication, wireless communications with a user device, external to the ATM, to cause the ATM to communicatively couple or pair with the user device;
receive, from the user device, information indicative of a personal identification number (PIN) for validation of an account associated with the PIN;
validate, based on receiving the information indicative of the PIN, the PIN; and
perform, based on validating the PIN, one or more user-selected ATM transaction requests.

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

19. The non-transitory computer-readable medium of claim 17 , wherein the user device is configured to function as a user interface for the ATM.

20. The non-transitory computer-readable medium of claim 17 , wherein the user device is associated with the ATM.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• H04M2250/04

  including near field communication means, e.g. RFID · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/327

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

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title