IP Library Granted Patent US 12711505
Granted Patent B2
US 12711505 · App. 19/053,856 · Granted Aug 18, 2026

Multi-factor automated teller machine (ATM) personal number (PIN)

Inventors: Abdelkadar M'Hamed Benkreira (Washington, DC); Michael Mossoba (Great Falls, VA); Joshua Edwards (Philadelphia, PA)
Assignee: Capital One Services, LLC
G06Q20/4012G06F3/04883G06F3/04886G06F21/31G06F21/316G06F21/40G07F7/1033G07F19/201G06F3/0488
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Quick Facts
Patent No.
US 12711505
App. No.
19/053,856
Granted
Aug 18, 2026
Kind
B2
Abstract

An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

Claims (59)

1 . A method, comprising:

receiving a set of parameters for multi-factor input associated with validating a user account;

receiving a user input, associated with accessing the user account, comprising a plurality of characters associated with the set of parameters;

determining whether the user input is valid for the user account based on the set of parameters and the plurality of characters; and

transmitting an indication of whether the user input is valid for the user account.

2 . The method of claim 1 , wherein the user input is a multi-factor user input.

3 . The method of claim 1 , further comprising:

comparing the user input with the set of parameters,

wherein whether the user input is valid for the user account is determined based on comparing the user input with the set of parameters.

4 . The method of claim 1 , further comprising:

determining whether the user input is within a tolerance level of the set of parameters,

wherein whether the user input is valid for the user account is determined based on whether the user input is within the tolerance level of the set of parameters.

5 . The method of claim 4 , wherein the tolerance level is configured by a user of the user account.

6 . The method of claim 1 , wherein the user input is received from a first device and the set of parameters is received from a second device.

7 . The method of claim 1 , wherein the set of parameters includes at least one of:

a sequence of at least two characters of the plurality of characters,

a level of force associated with at least one character of the plurality of characters,

a length of time associated with the at least one character, or

a combination of at least two characters, of the plurality of characters, inputted concurrently.

8 . A device, comprising:

one or more memories; and

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

receive a set of parameters for multi-factor input associated with validating a user account;

receive a user input, associated with accessing the user account, comprising a plurality of characters associated with the set of parameters;

determine whether the user input is valid for the user account based on the set of parameters and the plurality of characters; and

transmit an indication of whether the user input is valid for the user account.

9 . The device of claim 8 , wherein the user input is a multi-factor user input.

10 . The device of claim 8 , wherein the one or more processors are further configured to:

compare the user input with the set of parameters,

wherein whether the user input is valid for the user account is determined based on comparing the user input with the set of parameters.

11 . The device of claim 8 , wherein the one or more processors are further configured to:

determine whether the user input is within a tolerance level of the set of parameters,

wherein whether the user input is valid for the user account is determined based on whether the user input is within the tolerance level of the set of parameters.

12 . The device of claim 8 , wherein the set of parameters includes at least one of:

a sequence of at least two characters of the plurality of characters,

a level of force associated with at least one character of the plurality of characters,

a length of time associated with the at least one character, or

a combination of at least two characters, of the plurality of characters, inputted concurrently.

13 . 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 device, cause the device to:

receive a set of parameters for multi-factor input associated with validating a user account;

receive a user input, associated with accessing the user account, comprising a plurality of characters associated with the set of parameters;

determine whether the user input is valid for the user account based on the set of parameters and the plurality of characters; and

transmit an indication of whether the user input is valid for the user account.

14 . The non-transitory computer-readable medium of claim 13 , wherein the user input is a multi-factor user input.

15 . The non-transitory computer-readable medium of claim 13 , wherein the one or more instructions further cause the device to:

compare the user input with the set of parameters,

wherein whether the user input is valid for the user account is determined based on comparing the user input with the set of parameters.

16 . The non-transitory computer-readable medium of claim 13 , wherein the set of parameters includes at least one of:

a sequence of at least two characters of the plurality of characters,

a level of force associated with at least one character of the plurality of characters,

a length of time associated with the at least one character, or

a combination of at least two characters, of the plurality of characters, inputted concurrently.

17 . The device of claim 8 , wherein the user input is received from a first device and the set of parameters is received from a second device.

18 . The device of claim 11 , wherein the tolerance level is configured by a user of the user account.

19 . The non-transitory computer-readable medium of claim 13 , wherein the one or more instructions further cause the device to:

determine whether the user input is within a tolerance level of the set of parameters,

wherein whether the user input is valid for the user account is determined based on whether the user input is within the tolerance level of the set of parameters.

20 . The transitory computer-readable medium of claim 19 , wherein the tolerance level is configured by a user of the user account.