Mobile phone ATM processing methods and systems

Patent metadata

Field	Value
Publication number	US-9412106-B2
Application number	US-201314140165-A
Country	US
Kind code	B2
Filing date	Dec 24, 2013
Priority date	Apr 9, 2010
Publication date	Aug 9, 2016
Grant date	Aug 9, 2016

Abstract

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

First claim

We claim:

1. A method to operate a transaction management system to conduct a transaction, the method comprising:
receiving a request to initiate a transaction from one of (i) a mobile device, and (ii) an automated teller machine (“ATM”) device, the request usable to create pending transaction data in a transaction queue;
dynamically generating an ATM token for display at the ATM device, the ATM token including information uniquely identifying said transaction;
receiving, from said mobile device, information for use in identifying a user of said mobile device and information associated with said ATM token, said information associated with said ATM token captured by said mobile device at said ATM device and usable to identify said pending transaction data in said transaction queue; and
identifying, based at least in part on said information for use in identifying said user, an account associated with said user and available for use in conducting said transaction at said ATM device.

2. The method of claim 1 , wherein said request to initiate a transaction is received from a mobile device.

3. The method of claim 2 , wherein said information associated with said ATM token is further usable to identify said ATM device.

4. The method of claim 3 , wherein said request to initiate is received before an ATM device is identified by said transaction management system.

5. The method of claim 2 , further comprising: identifying, based at least in part on said information associated with said ATM token, a specific ATM device from among a plurality of ATM devices, wherein said transaction is conducted at said specific ATM device.

6. The method of claim 1 , wherein said request to initiate a transaction is received from an ATM device.

7. The method of claim 6 , wherein said request to initiate includes information identifying said ATM device.

8. The method of claim 7 , further comprising: transmitting, to said ATM device, information associated with said ATM token, said information associated with said ATM token usable to identify said pending transaction data in said transaction queue and for transmission by said ATM device to said mobile device.

9. The method of claim 7 , wherein said request to initiate further includes information associated with said ATM token, the method further comprising: associating said ATM token with said pending transaction data in said transaction queue.

10. The method of claim 9 , wherein said ATM token is provided for use in said transaction by said ATM device.

11. The method of claim 1 , wherein said ATM token is provided for use in said transaction by said transaction management system.

12. The method of claim 1 , wherein said request to initiate a transaction is received from an ATM and is received over a first communication channel, and said information from said mobile device is received over a second communication channel.

13. The method of claim 1 , further comprising: completing said transaction using said account.

14. A transaction management system, comprising:
a computer storage unit for receiving, storing, and providing data associated with transactions; and
a processor in communication with the storage unit, wherein the processor is configured for:
receiving a request to initiate a transaction from one of (i) a mobile device, and (ii) an automated teller machine (“ATM”) device, the request usable to create pending transaction data in a transaction queue;
dynamically generating an ATM token for display at the ATM device, the ATM token including information uniquely identifying said transaction;
receiving, from said mobile device, information for use in identifying a user of said mobile device and information associated with said ATM token, said information associated with said ATM token captured by said mobile device at said ATM device and usable to identify said pending transaction data in said transaction queue; and
identifying, based at least in part on said information for use in identifying said user, an account associated with said user and available for use in conducting said transaction at said ATM device.

15. A method for operating a mobile device to complete a transaction between an account holder having an account with a remote transaction management system and an automated teller machine (“ATM”), the method comprising:
dynamically generating an ATM token for display at the ATM, the ATM token including information uniquely identifying said transaction;
causing the ATM code to be captured by the mobile device, the ATM code presented to the account holder at a location of said ATM and usable to identify said transaction;
transmitting, to a remote transaction management system, a transaction request message including information associated with said ATM code;
transmitting, to said remote transaction management system, information identifying a selected transaction account associated with said account holder for use in said transaction; and
receiving, from said transaction management system, instructions to complete said transaction.

16. A method for operating a mobile device, comprising:
dynamically generating an ATM token for display at an ATM, the ATM token including information uniquely identifying a transaction;
causing the ATM code to be captured by a mobile device at the ATM, said ATM code generated by a remote transaction management system for use in a transaction involving said ATM;
transmitting, to said remote transaction management system, a transaction request message including information associated with said ATM code;
transmitting, to said remote transaction management system, information identifying a selected transaction account associated with said account holder for use in said transaction; and
receiving, from said transaction management system, instructions to complete said transaction.

17. A method for operating a mobile device, the method comprising:
dynamically generating an ATM token for display at an ATM, the ATM token including information uniquely identifying a transaction;
causing the ATM code to be captured by the mobile device at the ATM;
transmitting, to a transaction management system, a transaction request message including information associated with said ATM code for use by said transaction management system to identify the transaction involving said mobile device and said ATM;
transmitting, to said transaction management system, information identifying a selected transaction account associated with an account holder associated with said mobile device for use in said transaction; and
receiving, from said transaction management system, instructions to complete said transaction.

18. The method of claim 17 , wherein said ATM code is presented using at least one of: (i) an alphanumeric code, (ii) a code consisting of a combination of letters, numbers or symbols, (iii) an encoded image including at least one of (a) a barcode, (b) a QR code, and (c) an image pattern, and (iv) a wireless signal.

19. The method of claim 17 , wherein said ATM code is generated by said ATM for use in said transaction.

20. The method of claim 17 , wherein said ATM code is generated by said transaction management system for use in said transaction at said ATM.

21. The method of claim 17 , wherein said ATM code is generated to include at least one of: (i) information identifying said ATM, (ii) a transaction type selected by said account holder, (iii) a transaction amount selected by said account holder, and (iv) an informational messa

Assignees

• Paypal Inc

Inventors

• Laracey Kevin

Classifications

• G07F19/211

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

• G06Q40/02

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

• G07F19/203

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

• G06Q20/327

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

• H04L63/18

  using different networks or channels, e.g. using out of band channels (cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215) · CPC title