IP Library Granted Patent US 12699981
Granted Patent B2
US 12699981 · App. 19/010,828 · Granted Aug 4, 2026

Interacting with an automated teller machine using a user device

Inventors: Michael Mossoba (Great Falls, VA); Abdelkadar M'Hamed Benkreira (Washington, DC); Joshua Edwards (Philadelphia, PA)
Assignee: Capital One Services, LLC
G06Q20/3223A61M5/16881A61M25/0075A61M39/22A61M39/223F16K15/147G06Q20/1085G06Q20/204G06Q20/3221G06Q20/327G06Q20/352G06Q20/382G06Q20/4012G07F19/205H04M1/72412A61M1/772A61M25/0693H04M2250/04
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12699981
App. No.
19/010,828
Filed
Jan 6, 2025
Granted
Aug 4, 2026
Kind
B2
Art Unit
3699
USPC
705/72
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.

Claims (57)

1 . A method, comprising:

receiving, by a user device and via an automated teller machine (ATM) transaction application, a selection of one or more ATM transactions;

determining, by the user device and after receiving the selection of the one or more ATM transactions, that the user device is within a threshold distance of an ATM device;

automatically causing, by the user device and based on determining that the user device is within the threshold distance of the ATM device, the ATM transaction application to execute on the user device to transmit the selection of the one or more ATM transactions to the ATM device; and

receiving, by the user device and based on automatically causing the ATM transaction application to execute on the user device, a notification related to the one or more ATM transactions.

2 . The method of claim 1 , further comprising:

receiving, via the ATM transaction application, user credential information associated with the ATM,

wherein automatically causing the ATM transaction application to execute on the user device comprises:

automatically causing the ATM transaction application to execute on the user device to transmit the user credential information and the selection of the one or more ATM transactions to the ATM device.

3 . The method of claim 1 , further comprising:

determining, by the user device, that a user wants to conduct the one or more ATM transactions,

wherein the selection of the one or more ATM transactions is received based on determining that the user wants to conduct the one or more ATM transactions.

4 . The method of claim 3 ,

wherein determining that the user wants to conduct the transaction comprises:

detecting a presence of an ATM card.

5 . The method of claim 2 , 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 , wherein the one or more signals include a unique identifier of the ATM device.

9 . A user device, comprising:

one or more memories; and

one or more processors, coupled to the one or more memories, configured to:

receive, via an automated teller machine (ATM) transaction application, a selection of one or more ATM transactions;

determine, after receiving the selection of the one or more ATM transactions, that the user device is within a threshold distance of an ATM device;

automatically cause, based on determining that the user device is within the threshold distance of the ATM device, the ATM transaction application to execute on the user device to transmit the selection of 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 are further configured to: transmit, via the ATM transaction application, user credential information to the ATM device.

11 . The user device of claim 9 , wherein the one or more processors are further configured to:

determine that a user wants to conduct the one or more ATM transactions,

wherein the selection of the one or more ATM transactions is received based on determining that the user wants to conduct the one or more ATM transactions.

12 . The user device of claim 11 , 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.

13 . The user device of claim 10 , wherein the one or more processors are further configured to:

receive an indication that the user credential 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 14 , wherein the one or more processors are further configured to:

detect one or more pairing signals broadcasted by the ATM device;

wherein automatically causing the ATM transaction to execute on the user device is further based on detecting the one or more pairing signals.

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:

receive, via an automated teller machine (ATM) transaction application, a selection of one or more ATM transactions;

determine, after receiving the selection of the one or more ATM transactions, that the user device is within a threshold distance of an ATM device;

automatically cause, based on determining that the user device is within the threshold distance of the ATM device, the ATM transaction application to execute on the user device to transmit, the selection of 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 medium of claim 16 , wherein the one or more instructions further cause the user device to:

receive, via the ATM transaction application, user credential information associated with the ATM,

wherein the one or more instructions, that cause the user device to automatically cause the ATM transaction application to execute on the user device, cause the user device to:

automatically cause the ATM transaction application to execute on the user device to transmit the user credential information and the selection of the one or more ATM transactions on the ATM device.

18 . The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions further cause the user device to:

determine that a user wants to conduct the one or more ATM transactions,

wherein the selection of the one or more ATM transactions is received based on determining that the user wants to conduct the one or more ATM transactions.

19 . The non-transitory computer readable medium of claim 18 , 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.

20 . The non-transitory computer-readable medium of claim 17 , wherein the one or more instructions further cause the user device to:

receive an indication that the user credential information is validated.