Secure cardless cash withdrawal

Patent metadata

Field	Value
Publication number	US-2016019537-A1
Application number	US-201414336590-A
Country	US
Kind code	A1
Filing date	Jul 21, 2014
Priority date	Jul 21, 2014
Publication date	Jan 21, 2016
Grant date	—

Abstract

Methods, systems, and computer program products for secure cardless cash withdrawal are provided. A computer-implemented method may include identifying one or more cash machines near a computing device of a user, receiving a cash request from the computing device, generating a one-time authorization code on a secure server for the cash request when the computing device is detected by a sensor of a selected cash machine, providing the one-time authorization code to the computing device for display to the user when the computing device is detected within a distance allowing the user to operate the cash machine, validating a user-provided code received from the selected cash machine in view of the one-time authorization code, instructing the selected cash machine to distribute the requested cash when the user-provided code is validated, and invalidating the one-time authorization code when the cash request is completed.

First claim

1 . A system, comprising:
a memory; and a processor in communication with the memory and operable to:
receive a cash request from a computing device of a user;
generate a one-time authorization code for the cash request to allow distribution of the requested cash at a cash machine;
notify the user, via the computing device, to approach the cash machine to complete the cash request when the computing device is detected by a sensor associated with the cash machine and the computing device is determined to be located beyond a transactional distance from the cash machine; and
instruct the cash machine to distribute the requested cash when a user-provided code received at the cash machine matches the one-time authorization code generated for the cash request.

2 . The system of claim 1 , wherein the processor is further operable to:
provide the one-time authorization code to the computing device of the user in response to detecting that the computing device is in range of the sensor associated with the cash machine.

3 . The system of claim 2 , wherein the one-time authorization code is generated in response to detecting that the computing device of the user is in range of the sensor associated with the cash machine.

4 . The system of claim 2 , wherein the one-time authorization code is provided in response to determining that the computing device of the user is within twelve inches from the cash machine as indicated by the sensor associated with the cash machine.

5 . The system of claim 1 , wherein the processor is further operable to:
provide the one-time authorization code to a computing device of another user.

6 . The system of claim 5 , wherein the second user is indicated in the cash withdrawal request.

7 . The system of claim 1 , wherein the processor is further operable to:
provide the one-time authorization code to the cash machine.

8 . The system of claim 1 , wherein the processor is further operable to:
receive biometric user data collected at the cash machine.

9 . The system of claim 1 , wherein the processor is further operable to:
associate the generated one-time authorization code with the cash request.

10 . The system of claim 1 , wherein the processor is further operable to:
invalidate the one-time authorization code generated for the cash request.

11 . The system of claim 1 , wherein the one-time authorization code is a single-use personal identification number (PIN).

12 . The system of claim 1 , wherein the one-time authorization code is a single-use quick response (QR) code.

13 . The system of claim 1 , wherein the processor is further operable to:
authorize the cash request based on one or more attributes of a financial account associated with the user.

14 . The system of claim 1 , wherein the processor is further operable to:
identify a plurality of cardless cash machines located within a distance of a location provided by the computing device of the user; and provide respective locations of the identified cardless cash machines to the computing device of the user.

15 . The system of claim 1 , wherein the processor is further operable to:
provide an indication to the user that one or more cash machines identified among a plurality of cash machines allow cardless cash withdrawals.

16 . The system of claim 1 , wherein the processor is further operable to:
provide a listing of one or more identified cardless cash machines to the user based on at least one user preference.

17 . The system of claim 1 , wherein the processor is further operable to:
receive an indication from the computing device that the user has selected the cash machine to fulfill the cash request. receive an indication that the sensor associated with the cash machine has detected the computing device of the user.

18 . The system of claim 1 , wherein the processor is further operable to:
validate the user-provided code received from the cash machine by:
determining that the one-time authorization code is active;
verifying a location of the cash machine; and
comparing the user-provided code to the one-time authorization code.

19 . A computer-implemented method, comprising:
receiving, by a processor, a cash request from a computing device of a user; generating, by the processor, a one-time authorization code for the cash request to allow distribution of the cash at a cash machine; transmitting the one-time authorization code to the computing device of the user; notifying the user, via the computing device, to approach the cash machine to complete the cash request when the computing device is detected by a sensor associated with the cash machine and the computing device is determined to be located beyond a transactional distance from the cash machine; and authorizing, by the processor, the cash machine to distribute the requested cash when a user-provided code received at the cash machine matches the one-time authorization code generated for the cash request.

20 . A non-transitory computer-readable medium comprising computer-readable instructions which, when executed by a processor, cause the processor to perform operations comprising:
detecting a computing device associated with a pending cash request at a cash machine; notifying the user, via the computing device, to approach the cash machine to complete the cash request when the computing device is detected by a sensor associated with the cash machine and the computing device is determined to be located beyond a transactional distance from the cash machine; presenting a prompt to provide a one-time authorization code for the pending cash request when the computing device is detected within twelve inches of the cash machine; accepting a user-provided code at the cash machine to validate the pending cash request; providing the user-provided code to an authorization system for validation; and providing the requested cash at the cash machine in response to receiving an indication that the user-provided code has been validated by the authorization system.

Assignees

• Ebay Inc

Inventors

• Raja Balaji
• Jain Aditya
• Toms Teddy Vincent
• Sridhar Kiran Kumar

Classifications

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G07F19/203

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

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title