Systems and methods for remote ATM access

Patent metadata

Field	Value
Publication number	US-12067543-B2
Application number	US-202318228450-A
Country	US
Kind code	B2
Filing date	Jul 31, 2023
Priority date	Apr 1, 2016
Publication date	Aug 20, 2024
Grant date	Aug 20, 2024

Abstract

A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request. The computer system is configured to transmit, based on the user device being within the area and the identification of the user, a transaction code to the user device.

First claim

What is claimed is:

1. A system comprising:
a location identifier device configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user; and
a computer system comprising a processor and a memory, the computer system configured to:
receive the location information from the user device within the area via the location identifier device;
receive a request for an automated teller machine (ATM) transaction from the user device, the request including first attribute information associated with the user;
receive, from a camera device, second attribute information comprising an indication of a license plate within the area;
identify, based on a determination that the second attribute information at least partially matches the first attribute information from the request, the user associated with the request;
provide, based on the location information from the user device being within the area, an authorization signal including an ATM interface for display on the user device, wherein the ATM interface is provided for display while the user device is within the area;
receive, from the user device via the ATM interface, transaction information regarding the ATM transaction, the transaction information including at least one of a transaction type, an account number, or an amount of funds; and
transmit, based on the user device being within the area and the identification of the user, a transaction code to the user device.

2. The system of claim 1 , wherein the computer system is configured to generate the transaction code.

3. The system of claim 1 , wherein the computer system is configured to:
store the first attribute information from the request in a customer database by associating the first attribute information with account information of the user.

4. The system of claim 1 , wherein the identifier is configured to cause the user device to transmit the location information from the user device.

5. The system of claim 1 , wherein the transaction code is a barcode or a QR code.

6. The system of claim 1 , wherein the transaction code is received by the ATM via a near-field communication (NFC) tap between the user device and the ATM.

7. The system of claim 1 , wherein
the ATM interface includes a first selectable field associated with the transaction type and a second selectable field configured to receive an input associated with a transaction amount.

8. A method of remotely initiating a transaction at an automated teller machine (ATM), the method comprising:
receiving, from a user device associated with a user, a request for an ATM transaction, the request including first attribute information associated with the user;
receiving, from a camera device, second attribute information comprising an indication of a license plate within an area;
identifying, based on a determination that the second attribute information at least partially matches the first attribute information associated with the user, the user associated with the request;
receiving location information from the user device based on an identifier transmitted to the user device when the user device is within the area;
providing, based on the location information from the user device, an authorization signal including an ATM interface for display on the user device, wherein the ATM interface is provided for display while the user device is within the area;
receiving, from the user device via the ATM interface, transaction information regarding the ATM transaction, the transaction information including at least one of a transaction type, an account number, or an amount of funds; and
transmitting, based on the user device being within the area and the identification of the user, a transaction code to the user device.

9. The method of claim 8 , wherein the identifier is configured to cause the user device to transmit the location information from the user device.

10. The method of claim 8 , further comprising:
storing the first attribute information from the request in a customer database by associating the first attribute information with account information of the user.

11. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause operations comprising:
receiving, from a user device associated with a user, a request for an ATM transaction, the request including first attribute information associated with the user;
receiving, from a camera device, second attribute information of the user comprising an indication of a license plate within an area;
identifying, based on a determination that the second attribute information at least partially matches the first attribute information associated with the user, the user associated with the request;
receiving location information from the user device based on an identifier transmitted to the user device when the user device is within the area;
providing, based on the location information from the user device, an authorization signal including an ATM interface for display on the user device, wherein the ATM interface is provided for display while the user device is within the area;
receiving, from the user device via the ATM interface, transaction information regarding the ATM transaction, the transaction information including at least one of a transaction type, an account number, or an amount of funds; and
transmitting, based on the user device being within the area and the identification of the user, a transaction code to the user device.

12. The non-transitory computer-readable medium of claim 11 , wherein
the ATM interface includes a first selectable field associated with the transaction type and a second selectable field configured to receive an input associated with a transaction amount.

13. The non-transitory computer-readable medium of claim 11 , the operations comprising:
store the first attribute information from the request in a customer database by associating the first attribute information with account information of the user.

Assignees

• Wells Fargo Bank Na

Inventors

• Hill Miranda C
• Moore Alicia Y
• Puffer Steven E
• Rhodes Jerome
• Symons Susan
• Thomas Michael R
• Yang Young M

Classifications

• H04W4/02

  Services making use of location information · CPC title

• G07F19/207 Primary

  Surveillance aspects at ATMs · CPC title

• G07F19/203

  Dispensing operations within ATMs (dispensing in general G07D11/00) · CPC title

• G06K7/10712

  Fixed beam scanning · CPC title

• G06Q20/4015

  using location information · CPC title