Interacting with an automated teller machine using a user device

Patent metadata

Field	Value
Publication number	US-2025139603-A1
Application number	US-202519010828-A
Country	US
Kind code	A1
Filing date	Jan 6, 2025
Priority date	May 8, 2018
Publication date	May 1, 2025
Grant date	—

Abstract

A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.

First claim

What is claimed:

1 . A method, comprising:
determining, by a user device, that a user wants to conduct an automated teller machine (ATM) transaction; receiving, by the user device and based on determining that the user wants to conduct the transaction, a selection of one or more ATM transactions; automatically causing, by the user device, based on receiving the selection of the one or more ATM transactions, and when the user device is within a threshold distance of an ATM device, an ATM transaction application to execute on the user device; transmitting, by the user device and via the ATM transaction application, the one or more ATM transactions to the ATM device; and receiving, by the user device and based on transmitting the one or more ATM transactions, a notification related to the one or more ATM transactions.

2 . The method of claim 1 , wherein determining that the user wants to conduct the transaction comprises:
detecting a presence of an ATM card.

3 . The method of claim 1 , further comprising:
transmitting, via the ATM transaction application, user credential information to the ATM.

4 . The method of claim 3 , further comprising:
receiving, based on determining that the user wants to conduct the transaction, the user credential information.

5 . The method of claim 3 , further comprising:
receiving an indication that the user credential information is validated.

6 . The method of claim 1 , wherein the ATM transaction application is associated with a plurality of ATM devices including the ATM device.

7 . The method of claim 1 , further comprising:
detecting one or more signals broadcasted by the ATM device,
wherein automatically causing the ATM transaction application to execute on the user device is further based on detecting the one or more signals broadcasted by the ATM device.

8 . The method of claim 7 , further comprising:
transmitting one or more connection requests to the ATM device, wherein the one or more signals are one or more responses to the one or more connection requests.

9 . A user device, comprising:
one or more memories; and one or more processors, coupled to the one or more memories, configured to: determine that a user wants to conduct an automated teller machine (ATM) transaction; receive, based on determining that the user wants to conduct the transaction, a selection of one or more ATM transactions; detecting one or more signals broadcasted by an ATM device; automatically cause, based on detecting the one or more signals broadcasted by the ATM device, an ATM transaction application to execute on the user device; transmit, via the ATM transaction application, the one or more ATM transactions to the ATM device; and receive, based on transmitting the one or more ATM transactions, a notification related to the one or more ATM transactions.

10 . The user device of claim 9 , wherein the one or more processors, to determine that the user wants to conduct the transaction, are configured to:
detect a presence of an ATM card.

11 . The user device of claim 9 , wherein the one or more processors are further configured to:
transmit, via the ATM transaction application, user credential information to the ATM.

12 . The user device of claim 11 , wherein the one or more processors are further configured to:
receive, based on determining that the user wants to conduct the transaction, the user credential information.

13 . The user device of claim 11 , wherein the one or more processors are further configured to:
receive an indication that the user credential information is validated.

14 . The user device of claim 9 , wherein the ATM transaction application is associated with a plurality of ATM devices including the ATM device.

15 . The user device of claim 9 , wherein the one or more processors are further configured to:
transmit one or more connection requests to the ATM device, wherein the one or more signals are one or more responses to the one or more connection requests.

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 user device, cause the user device to: determine that a user wants to conduct an automated teller machine (ATM) transaction; receive, based on determining that the user wants to conduct the transaction, a selection of one or more ATM transactions; automatically cause, based on receiving the selection of the one or more ATM transactions and when the user device is within a threshold distance of an ATM device, an ATM transaction application to execute on the user device; transmit, via the ATM transaction application, the one or more ATM transactions to the ATM device; and receive, based on transmitting the one or more ATM transactions, a notification related to the one or more ATM transactions.

17 . The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the user device to determine that the user wants to conduct the transaction, cause the user device to:
detect a presence of an ATM card.

18 . The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions further cause the user device to:
transmit, via the ATM transaction application, user credential information to the ATM.

19 . The non-transitory computer-readable medium of claim 18 , wherein the one or more instructions further cause the user device to:
receive, based on determining that the user wants to conduct the transaction, the user credential information.

20 . The non-transitory computer-readable medium of claim 18 , wherein the one or more instructions further cause the user device to:
receive an indication that the user credential information is validated.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• H04M2250/04

  including near field communication means, e.g. RFID · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title