Mobile phone atm processing methods and systems

Patent metadata

Field	Value
Publication number	US-2016180307-A1
Application number	US-201615057093-A
Country	US
Kind code	A1
Filing date	Feb 29, 2016
Priority date	Apr 9, 2010
Publication date	Jun 23, 2016
Grant date	—

Abstract

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.

First claim

1 . A automated teller machine (ATM) transaction system comprising:
a database storing data associated with transactions; a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, from a mobile device, instructions for conducting an automated teller machine (ATM) transaction prior to the mobile device being located proximate any ATM;
storing the instructions for conducting the ATM transaction;
receiving, from the mobile device subsequent to storing the instructions for conducting the ATM transaction, an ATM code that was displayed by an ATM and captured and sent by the mobile device upon the mobile device being located proximate the ATM; and
executing the instructions for conducting the ATM transaction to process the transaction at the ATM in response to receiving the ATM code.

2 . The ATM transaction system of claim 1 , wherein the operations further comprise:
dynamically generating the ATM code for the ATM transaction such that the ATM code uniquely identifies the ATM transaction.

3 . The ATM transaction system of claim 1 , wherein the operations further comprise:
generating the ATM code based on one or more of a time stamp, a location of the ATM, and a transaction amount.

4 . The ATM transaction system of claim 1 , wherein the operations further comprise:
generating information identifying a set of transaction options available to a user of the mobile device and a request for selection of at least one of the transaction options; and transmitting, to the mobile device, the information identifying the set of transaction options and/or the request for selection of at least one of the transaction options.

5 . The ATM transaction system of claim 4 , wherein the information identifying the set of transaction options is determined by at least one of (i) an account holder specified rule, (ii) an ATM operator specified rule, and (iii) a system specified rule.

6 . The ATM transaction system of claim 4 , wherein the information identifying the set of transaction options further comprises information identifying a list of available transaction accounts.

7 . The ATM transaction system of claim 1 , wherein the operations further comprise:
receiving, from the mobile device, authentication information.

8 . A method for conducting an automated teller machine (ATM) transaction comprising:
receiving, from a mobile device, instructions for conducting an automated teller machine (ATM) transaction prior to the mobile device being located proximate any ATM; storing the instructions for conducting the ATM transaction; receiving, from the mobile device subsequent to storing the instructions for conducting the ATM transaction, an ATM code that was displayed by an ATM and captured and sent by the mobile device upon the mobile device being located proximate the ATM; and executing the instructions for conducting the ATM transaction to process the transaction at the ATM in response to receiving the ATM code.

9 . The method of claim 8 , further comprising:
dynamically generating the ATM code for the ATM transaction such that the ATOM code uniquely identifies the ATM transaction.

10 . The method of claim 8 , further comprising:
generating the ATM code based on one or more of a time stamp, a location of the ATM, and a transaction amount.

11 . The method of claim 8 , further comprising:
generating information identifying a set of transaction options available to a user of the mobile device and a request for selection of at least one of the transaction options; and transmitting, to the mobile device, the information identifying the set of transaction options and/or the request for selection of at least one of the transaction options.

12 . The method of claim 11 , wherein the information identifying the set of transaction options is determined by at least one of (i) an account holder specified rule, (ii) an ATM operator specified rule, and (iii) a system specified rule.

13 . The method of claim 11 , wherein the information identifying the set of transaction options further comprises information identifying a list of available transaction accounts.

14 . The method of claim 8 , further comprising:
receiving, from the mobile device, authentication information.

15 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving, from a mobile device, instructions for conducting an automated teller machine (ATM) transaction prior to the mobile device being located proximate any ATM; storing the instructions for conducting the ATM transaction; receiving, from the mobile device subsequent to storing the instructions for conducting the ATM transaction, an ATM code that was displayed by an ATM and captured and sent by the mobile device upon the mobile device being located proximate the ATM; and executing the instructions for conducting the ATM transaction to process the transaction at the ATM in response to receiving the ATM code.

16 . The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:
dynamically generating the ATM code for the ATM transaction such that the ATM code uniquely identifies the ATM transaction.

17 . The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:
generating the ATM code based on one or more of a time stamp, a location of the ATM, and a transaction amount.

18 . The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:
generating information identifying a set of transaction options available to a user of the mobile device and a request for selection of at least one of the transaction options; and transmitting, to the mobile device, the information identifying the set of transaction options and/or the request for selection of at least one of the transaction options.

19 . The non-transitory machine-readable medium of claim 15 , wherein the information identifying the set of transaction options further comprises information identifying a list of available transaction accounts and is determined by at least one of (i) an account holder specified rule, (ii) an ATM operator specified rule, and (iii) a system specified rule.

20 . The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:
receiving, from the mobile device, authentication information.

Assignees

• Paypal Inc

Inventors

• Laracey Kevin

Classifications

• G06F21/35

  communicating wirelessly · CPC title

• G07F19/211

  Software architecture within ATMs or in relation to the ATM network · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title