Interacting with an automated teller machine using a user device

Patent metadata

Field	Value
Publication number	US-12186533-B2
Application number	US-202318455901-A
Country	US
Kind code	B2
Filing date	Aug 25, 2023
Priority date	May 8, 2018
Publication date	Jan 7, 2025
Grant date	Jan 7, 2025

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 user device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive, when the user device is within a threshold distance of an automated teller machine (ATM) device, signaling communicatively coupling or pairing the user device with the ATM device;
receive, from the ATM device and after receiving the signaling, a request for user authentication credential information associated with accessing a user account;
initiate, after receiving the request for user authentication credential information and after detecting one or more user inputs associated with user authentication credential information, a timer associated with receiving the user authentication credential information;
receive, before the timer expires, a plurality of user inputs, including the one or more user inputs, associated with the user authentication credential information;
transmit, to the ATM device and based on receiving the plurality of user inputs, the user authentication credential information;
receive, from the ATM device, an indication that the user authentication credential information is validated; and
display, based on receiving the indication, information associated with selecting one or more ATM transactions to be performed.

2. The user device of claim 1 , wherein the one or more processors, to receive the signaling communicatively coupling or pairing the user device with the ATM device, are configured to:
receive a broadcasting pairing signal comprising a unique identifier associated with the ATM device;
display the unique identifier; and
receive a user selection of the unique identifier.

3. The user device of claim 1 , wherein the one or more processors are further configured to:
receive an additional user input associated with a request to end the coupling or pairing of the user device with the ATM device prior to a completion of the one or more ATM transactions; and
transmit information associated with the request to end the coupling or pairing of the user device with the ATM device.

4. The user device of claim 1 , wherein the one or more processors are further configured to:
display, based on receiving the request for user authentication credential information, the request for user authentication credential information.

5. The user device of claim 1 , wherein the indication that the user authentication credential information is validated triggers the user device to display the information associated with selecting the one or more ATM transactions to be performed.

6. The user device of claim 1 , wherein the one or more processors are further configured to:
receive, based on receiving the indication, an instruction to prompt a user, of the user device, to select the one or more ATM transactions.

7. The user device of claim 1 , wherein the signaling comprises a unique identifier assigned to the ATM device and independent from the signaling.

8. A method, comprising:
receiving, by a user device and when the user device is within a threshold distance of an automated teller machine (ATM) device, signaling communicatively coupling or pairing the user device with the ATM device;
receiving, by the user device, from the ATM device, and after receiving the signaling, a request for user authentication credential information associated with accessing a user account;
initiating, after receiving the request for user credential information and after detecting one or more user inputs associated with user credential information, a timer associated with receiving the user credential information;
receiving, before the timer expires, a plurality of user inputs, including the one or more user inputs, associated with the user credential information;
transmitting, by the user device, to the ATM device, and based on receiving the plurality of user inputs, the user authentication credential information;
receiving, by the user device and from the ATM device, an indication that the user authentication credential information is validated; and
displaying, by the user device and based on receiving the indication, information associated with selecting one or more ATM transactions to be performed.

9. The method of claim 8 , wherein receiving the signaling communicatively coupling or pairing the user device with the ATM device comprises:
receiving a broadcasting pairing signal comprising a unique identifier associated with the ATM device;
displaying the unique identifier; and
receiving a user selection of the unique identifier.

10. The method of claim 8 , further comprising:
receiving an additional user input associated with a request to end the coupling or pairing of the user device with the ATM device prior to a completion of the one or more ATM transactions; and
transmitting information associated with the request to end the coupling or pairing of the user device with the ATM device.

11. The method of claim 8 , further comprising:
displaying, based on receiving the request for user authentication credential information, the request for user authentication credential information.

12. The method of claim 8 , wherein the indication that the user authentication credential information is validated triggers the user device to display the information associated with selecting the one or more ATM transactions to be performed.

13. The method of claim 8 , further comprising:
receiving, based on receiving the indication, an instruction to prompt a user, of the user device, to select the one or more ATM transactions.

14. The method of claim 8 , wherein the signaling comprises a unique identifier assigned to the ATM device and independent from the signaling.

15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a user device, cause the user device to:
receive, when the user device is within a threshold distance of an automated teller machine (ATM) device, signaling communicatively coupling or pairing the user device with the ATM device;
receive, from the ATM device and after receiving the signaling, a request for user authentication credential information associated with accessing a user account;
initiate, after receiving the request for user authentication credential information and after detecting one or more user inputs associated with user authentication credential information, a timer associated with receiving the user authentication credential information;
receive, before the timer expires, a plurality of user inputs, including the one or more user inputs, associated with the user authentication credential information;
transmit, to the ATM device and based on receiving the plurality of user inputs, the user authentication credential information;
receive, from the ATM device, an indication that the user authentication credential information is validated; and
display, based on receiving the indication, information associated with selecting one or more ATM transactions to be performed.

16. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the user device to receive the signaling communicatively coupling or pairing the user device with the ATM device, cause the user device to:
receive a broadcasting pairing signal comprising a unique identifier associated with the ATM device;
display the unique identifier; and
receive a user selection of the unique identifier.

17. The non-transitory computer-readable m

Assignees

• Capital One Services Llc

Inventors

• Mossoba Michael
• Benkreira Abdelkadar M'Hamed
• 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