Granted Patent B2

US 8,332,320 · App. 12/605,023 · Granted Dec 11, 2012

Abstract

Claims (33)

1. A non-transitory computer-readable storage medium that is executed by one or more processors of a network to perform a method, comprising:

receiving a request for a cash transaction from a personal mobile device of a customer;

acquiring a unique serial number for an automated teller machine (ATM) that is in proximity to the customer, the proximity is determined based on a configured policy to be a configured geographic distance to the customer;

presenting authentication screens that are presented on the ATM to the customer; however, the authentication screens are presented for interaction on a display of the personal mobile device;

authenticating the customer for the cash transaction via input data supplied by the customer in response to the authentication screens and via the personal mobile device; and

generating a secure code that the customer is to supply to the ATM to complete the cash transaction once the customer is authenticated via the input data.

2. The non-transitory computer-readable storage medium of claim 1 , wherein receiving further includes receiving the request as a phone call placed by the customer from the personal mobile device, which is a mobile phone of the customer, connection of the phone call initiates the request.

3. The non-transitory computer-readable storage medium of claim 1 , wherein receiving further includes receiving the request as a secure World-Wide Web (www) session request to a secure www site, the secure www site accessed by the customer via the personal mobile device.

4. The non-transitory computer-readable storage medium of claim 1 , wherein acquiring further includes obtaining the unique serial number via entry keys activated by the customer by inspecting a visible serial number affixed to the ATM.

5. The non-transitory computer-readable storage medium of claim 1 , wherein acquiring further includes obtaining the unique serial number via a camera integrated into the personal mobile device, the customer placing a barcode for the unique serial number or an image of the unique serial number affixed on the ATM within view of the camera and the camera taking a digital scan of the barcode or the image, which is provided as the unique serial number.

6. The non-transitory computer-readable storage medium of claim 1 , wherein presenting further includes obtaining a digital scan of confidential information from the customer by requesting that the customer swipe an ATM access card through a card reader of the personal mobile device, the confidential information used to acquire an authentication mechanism to use for the customer and to acquire account information for the customer.

7. The non-transitory computer-readable storage medium of claim 1 , wherein presenting further includes interactively requesting via the display of the personal mobile device that the customer provide a unique card number or account number via entry keys of the personal mobile device, the unique card number or account number used to acquire an authentication mechanism to use for the customer and to acquire account information for the customer.

8. The non-transitory computer-readable storage medium of claim 1 , wherein presenting further includes locking an ATM display associated with the ATM while authentication of the customer proceeds and the cash transaction is completed via the personal mobile device and via the ATM.

9. The non-transitory computer-readable storage medium of claim 1 , wherein generating further includes supplying the secure code to the customer via the personal mobile device of the customer of via another different device of the customer, the customer entering the secure code via the personal mobile device or the ATM to complete the cash transaction and have the ATM dispense cash to the customer.

10. A non-transitory computer-readable storage medium that is executed by one or more processors of a network to perform a the method, comprising:

receiving a request from a first device to process a cash transaction via a second device, the second device is in physical proximity to an Automated Teller Machine (ATM), the first and second device are separate physical devices and are physically remote from one another, the first device is in the possession of a first user and the second device is in the possession of a second and different user, the first user has an account that is being used for the cash transaction;

acquiring a mechanism for communicating with the second device from the first device, the first device configures the mechanism for the method to communicate with the second device;

uniquely identifying the ATM via interactions with the first device, the second device communicates a serial number of the ATM to the first device and the first device supplies the serial number to the method;

verifying a customer account for processing the cash transaction, the customer provides verifying information via the first device;

concluding the cash transaction via the first device; and

sending a key to the second device, the key communicated to the ATM via an operator of the second device and once provided the ATM dispenses cash to the operator to finalize the cash transaction.

11. The non-transitory computer-readable storage medium of claim 10 further comprising, sending an electronic receipt of the cash transaction to the first device when the cash is dispensed to the operator from the ATM.

12. The non-transitory computer-readable storage medium of claim 10 , wherein receiving further includes identifying the first and second devices as mobile phones.

13. The non-transitory computer-readable storage medium of claim 12 , wherein identifying further includes acquiring a telephone number for the second device from the first device, the telephone number included with the request.

14. The non-transitory computer-readable storage medium of claim 10 , wherein acquiring further includes obtaining the mechanism as an instruction from the first device to contact the second device via text messages.

15. The non-transitory computer-readable storage medium of claim 10 , wherein concluding further includes emulating transaction screens and buttons on a display of the first device for input by the customer, the transaction screens and buttons appear on the display of the first device as they would have appeared on an ATM display screen if the cash transaction were being processed from the ATM.

16. The non-transitory computer-readable storage medium of claim 15 , wherein emulating further includes simultaneously presenting the transactions screens and buttons in a read only mode on a separate display of the second device for the operator to view real-time progress of the cash transaction, confidential inputs modified to not display on the separate display as those confidential inputs are supplied by the customer of the first device.

17. The non-transitory computer-readable storage medium of claim 15 , wherein emulating further includes simultaneously presenting a status indicator screen on a separate display of the second device for the operator to view real-time progress of the cash transaction as the cash transaction proceeds.

18. A multiprocessor-implemented system, comprising:

an Automated Teller Machine (ATM) server implemented in a computer-readable storage medium and to execute on a sever of a network; and

an ATM;

the ATM server configured to communicate with one or more portable devices over the network for purposes of authenticating a cash transaction that is concluded via the dispensing of cash at the ATM, the ATM server further configured to communicate with the ATM to alter screens appearing on an ATM display and to instruct the ATM to perform one or more actions including the dispensing of the cash and wherein the ATM is configured to wirelessly discover a particular portable device within a configured physical distance of the ATM and further configured to initiate a communication session between the particular portable device and the ATM server to initiate the cash transaction, and the ATM is further configured to supply a serial number of the ATM directly to the particular portable device for subsequent communication with the ATM during the communication session.

19. The system of claim 18 , wherein the ATM is configured to scan an image of a key appearing on a display screen of a particular portable device, the key received from the ATM server to authenticate and conclude the cash transaction and the ATM scans the key from the display screen of the particular portable device and validates the key with the ATM server and then dispenses the cash from the ATM to conclude the cash transaction.

Assignments (16)