Frictionless Automated Teller Machine

Patent metadata

Field	Value
Publication number	US-2020005262-A1
Application number	US-201816019864-A
Country	US
Kind code	A1
Filing date	Jun 27, 2018
Priority date	Jun 27, 2018
Publication date	Jan 2, 2020
Grant date	—

Abstract

A frictionless automated teller machine (ATM) computing system may include an ATM, an authentication server, and a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the user may log into the mobile device, which triggers the mobile device to send a geographic location to the authentication server. The authentication server then notifies the mobile device of a close ATM. In response, the mobile device may display a user interface screen to initiate a transaction. The ATM may be woken by the authorization server or a user input to complete the transaction causing the ATM to dispense the requested amount of currency.

First claim

What is claimed is:

1 . A computer implemented method, comprising:
sending, by a mobile device via a communication network, geolocation coordinates of the mobile device to an authentication server; retrieving, from memory by the authentication server, an automated teller machine (ATM) identifier in proximity to the geolocation coordinates of the mobile device; returning, to the mobile device from the authentication server, an indication of a detected ATM in proximity to the geolocation coordinates; displaying, via a user interface screen on the mobile device, a user interface screen requesting an input corresponding to a desired transaction; and initiating, the desired transaction at the ATM based on an input received at the ATM.

2 . The computer implemented method comprising: dispensing, by a currency dispenser of the ATM, an amount of currency specified at the user interface screen on the mobile device.

3 . The computer implemented method of claim 1 , comprising:
receiving at the authentication server, a message requesting the desired transaction in response to the input received at the user interface screen; and commanding, by the authentication server, to wake up the ATM to stage the desired transaction.

4 . The computer implemented method of claim 3 , wherein the ATM displays a same amount of cash corresponding to the desired transaction concurrently with the user interface screen on the mobile device.

5 . The computer implemented method of claim 1 , wherein the mobile device is a mobile phone running a mobile banking application.

6 . The computer implemented method of claim 1 , comprising:
activating, on the mobile device, a mobile banking application; and capturing, by the mobile banking application, a current geographic location of the mobile device.

7 . The computer implemented method of claim 6 , wherein the mobile device comprises a geolocation device.

8 . The computer implemented method of claim 6 , wherein the mobile device comprises a global positioning system device.

9 . The computer implemented method of claim 6 , wherein the mobile device determines a location based on a relative position of one or more cellular networking towers communicatively coupled to the mobile device.

10 . The computer implemented method of claim 1 , comprising:
determining, by the authentication server, whether a plurality of ATM devices are in proximity to the mobile device; and selecting, by the authentication device, a particular ATM for user interaction; and indicating, via the mobile device, the particular ATM selected for user interaction.

11 . The computer implemented method of claim 10 , comprising:
initiating, at the particular ATM selected for user interaction, a second user authentication.

12 . The computer implemented method of claim 11 , comprising:
Displaying, by the ATM, a user interface screen to request entry of a second user identifier based on the second user authentication request.

13 . The computer implemented method of claim 11 comprising:
receiving, at an input device, the second user identifier; and
authenticating the second user identifier.

14 . The computer implemented method of claim 13 , wherein the input device comprises a keyboard or touchscreen.

15 . The computer implemented method of claim 13 , wherein the input device comprises a fingerprint sensor and/or a retinal scanner.

Assignees

• Bank Of America

Inventors

• Arora Ashish
• Dent Nathan
• Toth Michael
• Kennedy Harold Joseph
• Price Elizabeth Anne
• Singaraju Pavan
• Ismail Magdy
• Devadas Varsha

Classifications

• G07F19/206

  Software aspects at ATMs · CPC title

• G07F19/201

  Accessories of ATMs · CPC title

• G07F19/00 Primary

  Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines (data processing equipment for bank accounting G06Q40/02) · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title