Securing a cardless ATM authentication through position detection

Patent metadata

Field	Value
Publication number	US-12518601-B2
Application number	US-202418805836-A
Country	US
Kind code	B2
Filing date	Aug 15, 2024
Priority date	Jan 17, 2020
Publication date	Jan 6, 2026
Grant date	Jan 6, 2026

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 computer-implemented method comprising:
receiving, by a receiving device communicatively coupled to a kiosk having a processor, instructions for a transaction 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; transmitting, by a transmitting device communicatively coupled to the kiosk, a first signal to the user device; and receiving, by the receiving device, a second signal transmitted from the user device, wherein the transmitting device and receiving device are positioned to enable the processor to determine a position of the user device when the user device is at the second location; and executing, by the processor, the transaction based on the instructions in response to determining the position of the user device.

2 . The computer-implemented method of claim 1 , wherein the transmitting device transmits the first signal based on an instruction received from the transmitting device.

3 . The computer-implemented method 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 computer-implemented method 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 computer-implemented method of claim 1 , further comprising:
generating, by the processor, an encryption key based on an initiation signal received from the transmitting device; transmitting, by the transmitting device, the first signal based on an instruction received from the kiosk, the first signal comprising the encryption key, and establishing, by the processor, a secure binding between the kiosk and the user device based on the second signal received from the user device, the secure binding enabling processing of the transaction.

6 . The computer-implemented method of claim 5 , wherein the processor determines,
based on the determining 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 transaction.

7 . The computer-implemented method 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, an instruction for a transaction to a kiosk; receiving, by the user device, a first signal, from a first direction, from a transmitting device communicatively coupled to the kiosk; and transmitting, by the user device, a second signal, in a second direction, to a receiving device communicatively coupled to the kiosk, wherein the transmitting device and receiving device are positioned to enable the kiosk to determine a position of the user device when the user device receives the first signal from the first direction and transmits the second signal in the second direction, wherein the kiosk executes the transaction based on the instruction in response to determining 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 the first direction, and the transmitting the second signal comprises transmitting a response key in the second direction, and the first direction and the second direction enable the kiosk to determine the 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 system comprising:
a kiosk comprising a processor configured to perform a transaction based on instructions received from a user device; a transmitting device communicatively coupled to the kiosk, the transmitting device configured to transmit a first signal to the user device in a first direction; and a receiving device communicatively coupled to the kiosk, the receiving device configured to:
receive a second signal transmitted from the user device from a second direction, wherein the transmitting device and receiving device are positioned to enable the kiosk, by the processor, to determine a position of the user device when the user device receives the first signal from the first direction and transmits the second signal in the second direction; and
execute the transaction based on the instructions in response to determining the position of the user device.

15 . The system of claim 14 , wherein the second signal comprises a response key to enable the kiosk to perform a two-factor authentication of the user device.

16 . The system of claim 14 , wherein the second signal comprises a response key comprising a one-time password (OTP) based on information associated with a user.

17 . The system of claim 14 , wherein the kiosk is further configured to enable the transmitting device to transmit the first signal comprising an encryption key in response to the user device scanning a quick response (QR) code associated with the kiosk using a camera of the user device.

18 . The system of claim 14 , wherein:
the transmitting the first signal comprises transmitting an encryption key by a directional antenna of the transmitting device in the first direction, the receiving the second signal comprises receiving a response key in the second direction, and the first direction and the second direction enable the kiosk to determine the position of the user device.

19 . The system 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 system of claim 14 , wherein the kiosk determines, based on the determining 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 transaction.

Assignees

• Capital One Services Llc

Inventors

• Miller Mitchell

Classifications

• H04W12/63

  Location-dependent; Proximity-dependent · CPC title

• H04W12/069

  using certificates or pre-shared keys · CPC title

• H04W12/041

  Key generation or derivation · CPC title

• H04W12/12

  Detection or prevention of fraud · CPC title

• G07F19/204

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