IP Library Granted Patent US 10,504,108
Granted Patent B2
US 10,504,108 · App. 15/912,485 · Granted Dec 10, 2019

Mobile phone ATM processing methods and systems

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Quick Facts
Patent No.
US 10,504,108
App. No.
15/912,485
Granted
Dec 10, 2019
Kind
B2
Abstract

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

Claims (46)

1. A method comprising:

receiving an automated teller machine (ATM) transaction request comprising location data and a device signature from a mobile device;

determining, using the location data, that the mobile device is within a predetermined distance to a first ATM;

causing a display of the first ATM to display an ATM code based on determining that the mobile device is within the predetermined distance to the first ATM;

receiving code data from the mobile device;

verifying that the code data is associated with the ATM code;

receiving, after verifying that the code data is associated with the ATM code, authentication data from the mobile device;

determining that the authentication data is associated with the device signature; and

executing the ATM transaction request through the first ATM in response to determining that the authentication data is associated with the device signature.

2. The method of claim 1 , wherein the device signature comprises data indicating hardware attributes of the mobile device.

3. The method of claim 1 , wherein the device signature is a first device signature, wherein the authentication data comprises a second device signature, and wherein determining that the authentication data is associated with the device signature comprises comparing the first device signature to the second device signature.

4. The method of claim 3 , further comprising:

receiving, through the ATM, a user input; and

determining that the user input matches a stored input, wherein the executing the ATM transaction request is in further response to determining that the user input matches the stored input.

5. The method of claim 4 , wherein determining that the user input matches the stored input is before determining that the authentication data is associated with the device signature.

6. The method of claim 1 , wherein the authentication data comprises a user password.

7. The method of claim 1 , wherein the ATM transaction request further comprises data identifying the first ATM.

8. The method of claim 1 , wherein the ATM code is a dynamically generated ATM code that uniquely identifies the ATM transaction request.

9. The method of claim 1 , wherein the ATM code is based on one or more of a time stamp, a location of the ATM, or a transaction amount.

10. The method of claim 1 , wherein the location data comprises proximity sensor data or global positioning data.

11. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

providing an automated teller machine (ATM) transaction request comprising location data and a device signature from a mobile device to an ATM transaction management system;

scanning, after providing the ATM transaction request, an ATM code with the mobile device;

transmitting, after scanning the ATM code, code data associated with the ATM code from the mobile device to the ATM transaction management system; and

transmitting, after scanning the ATM code, authentication data from the mobile device to the ATM transaction management system to cause an ATM to execute the ATM transaction request.

12. The non-transitory machine-readable medium of claim 11 , wherein the device signature comprises data indicating hardware attributes of the mobile device.

13. The non-transitory machine-readable medium of claim 11 , wherein the operations further comprise:

providing, before providing the ATM transaction request, the device signature from the mobile device to the ATM transaction management system.

14. The non-transitory machine-readable medium of claim 11 , wherein the authentication data is transmitted after the code data.

15. The non-transitory machine-readable medium of claim 11 , wherein the authentication data comprises the device signature.

16. The non-transitory machine-readable medium of claim 11 , wherein the authentication data comprises a user password.

17. The non-transitory machine-readable medium of claim 11 , wherein the ATM transaction request further comprises data identifying a first ATM, and wherein the ATM code is associated with the first ATM.

18. A mobile device comprising:

an imaging device;

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the mobile device to perform operations comprising:

receiving instructions for an automated teller machine (ATM) transaction;

receiving location data;

determining, using the location data, that the mobile device is within a predetermined distance to an ATM capable of fulfilling the ATM transaction; and

automatically activating the imaging device based on the determining that the mobile device is within the predetermined distance to the ATM to execute the ATM transaction.

19. The mobile device of claim 18 , wherein the automatically activating the imaging device comprises placing the imaging device in a ready mode configured to capture an image in response to a user input.

20. The mobile device of claim 18 , wherein the operations further comprise:

automatically, in response to activating the imaging device, capturing an image frame with the imaging device;

determining that the image frame comprises an image of an ATM code of the ATM;

determining information associated with the ATM transaction from the ATM code; and

ceasing, in response to the determining the information associated with the ATM transaction from the ATM code, capturing image frames with the imaging device.

Assignments (3)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 27, 2018
From: PAYDIANT, LLC
To: PAYPAL, INC.
Reel/Frame 045363/0527 →
ENTITY CONVERSION Recorded Mar 27, 2018
From: PAYDIANT, INC.
To: PAYDIANT, LLC
Reel/Frame 045571/0260 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 27, 2018
From: LARACEY, KEVIN
To: PAYDIANT, INC.
Reel/Frame 045742/0882 →