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

Patent metadata

Field	Value
Publication number	US-12293363-B2
Application number	US-202418430707-A
Country	US
Kind code	B2
Filing date	Feb 2, 2024
Priority date	Feb 23, 2018
Publication date	May 6, 2025
Grant date	May 6, 2025

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 first device, comprising:
one or more memories; and
one or processors, coupled to the one or more memories, configured to:
receive a first transmission comprising a first set of parameters corresponding to unique input, associated with accessing an account, comprising a plurality of characters associated with at least one parameter;
receive, after receiving the first transmission, a second transmission comprising a second set of parameters corresponding to the unique input;
determine, based on comparing the second set of parameters to the first set of parameters, whether the second set of parameters is valid for the account; and
transmit an indication of whether the second set of parameters is valid for the account.

2. The first device of claim 1 , wherein the first transmission and the second transmission are received from a second device different from the first device.

3. The first device of claim 2 , wherein the second device is an automated teller machine.

4. The first device of claim 1 , wherein the first transmission is received from a second device different from the first device, and the second transmission is received from a third device different from the second device.

5. The first device of claim 4 , wherein the second device is an automated teller machine and the third device is a user device.

6. The first device of claim 1 , wherein determining whether the second set of parameters is valid for the account comprises:
determining, based on comparing the second set of parameters to the first set of parameters, whether the second set of parameters matches the first set of parameters; and
determining, based on determining whether the second set of parameters matches the first set of parameters, whether the second set of parameters is valid for the account.

7. The first device of claim 6 , wherein determining whether the second set of parameters matches the first set of parameters comprises:
determining whether the second set of parameters is within a tolerance level of the first set of parameters.

8. The first device of claim 1 , wherein the at least one parameter includes at least one of:
a sequence of at least two characters of the plurality of characters,
a level of force of an input associated with at least one character of the plurality of characters,
a length of time of an input associated with at least one character of the plurality of characters, or
a combination of at least two characters, of the plurality of characters, inputted concurrently.

9. A method, comprising:
receiving a first transmission comprising a first set of parameters corresponding to unique input, associated with accessing an account, comprising a plurality of characters associated with at least one parameter;
receiving, after receiving the first transmission, a second transmission comprising a second set of parameters corresponding to the unique input;
determining, based on comparing the second set of parameters to the first set of parameters, whether the second set of parameters is valid for the account; and
approving or denying, based on determining whether the second set of parameters is valid for the account, one or more actions associated with the account.

10. The method of claim 9 , wherein the first transmission and the second transmission are received from a same device.

11. The method of claim 9 , wherein the first transmission is received from a first device, and the second transmission is received from a second device different from the first device.

12. The method of claim 9 , wherein determining whether the second set of parameters is valid for the account comprises:
determining, based on comparing the second set of parameters to the first set of parameters, whether the second set of parameters matches the first set of parameters; and
determining, based on determining whether the second set of parameters matches the first set of parameters, whether the second set of parameters is valid for the account.

13. The method of claim 12 , wherein determining whether the second set of parameters matches the first set of parameters comprises:
determining whether the second set of parameters is within a tolerance level of the first set of parameters.

14. The method of claim 9 , wherein the at least one parameter includes at least one of:
a sequence of at least two characters of the plurality of characters,
a level of force of an input associated with at least one character of the plurality of characters,
a length of time of an input associated with at least one character of the plurality of characters, or
a combination of at least two characters, of the plurality of characters, inputted concurrently.

15. The method of claim 9 , wherein the one or more actions comprises:
outputting account information associated with the account,
performing a transaction associated with the account,
withdrawing money from the account, or
depositing money to the account.

16. 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 device, cause the device to:
receive a first transmission comprising a first set of parameters corresponding to unique input, associated with accessing an account, comprising a plurality of characters associated with at least one parameter;
receive, after receiving the first transmission, a second transmission comprising a second set of parameters corresponding to the unique input;
determine, based on comparing the second set of parameters to the first set of parameters, whether the second set of parameters is valid for the account; and
transmit an indication of whether the second set of parameters is valid for the account.

17. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the device to determine whether the second set of parameters is valid for the account, cause the device to:
determine, based on comparing the second set of parameters to the first set of parameters, whether the second set of parameters matches the first set of parameters; and
determine, based on determining whether the second set of parameters matches the first set of parameters, whether the second set of parameters is valid for the account.

18. The non-transitory computer-readable medium of claim 16 , wherein the at least one parameter includes at least one of:
a sequence of at least two characters of the plurality of characters,
a level of force of an input associated with at least one character of the plurality of characters,
a length of time of an input associated with at least one character of the plurality of characters, or
a combination of at least two characters, of the plurality of characters, inputted concurrently.

19. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, when executed by the one or more processors of the device, further cause the device to:
approve or deny, based on the indication, one or more actions associated with the account.

20. The non-transitory computer-readable medium of claim 19 , wherein the one or more actions comprises:
outputting account information associated with the account,
performing a transaction associated with the account,
withdrawing money from the account, or
depositing money to the account.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06F21/31

  User authentication · CPC title

• G07F7/1033

  Details of the PIN pad · CPC title

• 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

• G06F21/316

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