IP Library Granted Patent US 11,037,127
Granted Patent B2
US 11,037,127 · App. 16/405,272 · Granted Jun 15, 2021

Symbols to indicate which ATM to use

Inventors: Janak Dadhaniya (San Franicsco, CA); Lisa Whitsitt (Millbrae, CA); Robert Smith (Crozier, VA); David Wurmfeld (Falls Church, VA); Steve Faletti (Brooklyn, NY)
Assignee: Capital One Services, LLC
G06Q20/3223G06Q20/1085G06Q20/327G06Q20/4014
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Quick Facts
Patent No.
US 11,037,127
App. No.
16/405,272
Filed
May 7, 2019
Granted
Jun 15, 2021
Kind
B2
Art Unit
3691
USPC
705/43
Abstract

A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.

Claims (43)

1. A method comprising:

receiving a plurality of pre-staged transactions from a plurality of mobile devices, one of the plurality of pre-staged transactions from one of the plurality of mobile devices comprising a deposit, wherein the plurality of pre-staged transactions are to be completed at an Automatic Teller Machine (ATM) at a predetermined location;

sending a plurality of symbols to the respective plurality of mobile devices, the plurality of symbols each being unique, one symbol of the plurality of symbols to be associated with the deposit, wherein the plurality of symbols, including the one symbol, do not have a sequential relationship to one another; and

in response to the ATM being low on cash, presenting the one symbol to a display of the ATM before presenting the other of the plurality of symbols to the display, the symbol visually indicating that the ATM is a correct one to process the deposit, and

wherein the one of the plurality of mobile devices automatically detects that the one mobile device is in near-field communication (NFC) with the ATM and, in response to the NFC detection, the one mobile device communicates with the ATM such that the ATM is automatically enabled to accept the deposit, affirming the presence of a user making the deposit.

2. The method of claim 1 , further comprising:

in response to the ATM not being low on cash, presenting one or more of the plurality of symbols to the display in an order, wherein the plurality of pre-staged transactions was received in the order.

3. The method of claim 1 , further comprising:

noting an order of receiving the plurality of pre-staged transactions other than the deposit; and

presenting one or more of the other of the plurality of symbols to the display in the order.

4. The method of claim 1 , further comprising:

presenting one or more of the plurality of symbols to a display of a second ATM in response to the ATM being in use and the second ATM being in the predetermined location;

wherein the second ATM automatically enables completion of a second of the plurality of pre-staged transactions in response to a second of the plurality of mobile devices being in front of the second ATM, affirming the presence of a second user to complete the second pre-staged transaction.

5. The method of claim 1 , wherein the plurality of symbols are not to be interpreted as sequential.

6. An apparatus comprising:

at least one processor operable to execute stored instructions that, when executed, cause the at least one processor to:

receive a plurality of pre-staged transactions from a plurality of mobile devices, one of the plurality of pre-staged transactions from one of the plurality of mobile devices comprising a deposit, wherein the plurality of pre-staged transactions are to be completed at an Automatic Teller Machine (ATM) at a predetermined location;

send a plurality of symbols to the respective plurality of mobile devices, the plurality of symbols each being unique, one symbol of the plurality of symbols to be associated with the deposit, wherein the plurality of symbols, including the one symbol, do not have a sequential relationship to one another; and

in response to the ATM being low on cash, present the one symbol to a display of the ATM before presenting the other of the plurality of symbols to the display, the symbol visually indicating that the ATM is a correct one to process the deposit, and

wherein the one of the plurality of mobile devices automatically detects that the one mobile device is in near-field communication (NFC) with the ATM and, in response to the NFC detection, the one mobile device communicates with the ATM such that the ATM is automatically enabled to accept the deposit, affirming the presence of a user making the deposit.

7. The apparatus of claim 6 , wherein the at least one processor is further caused to:

in response to the ATM not being low on cash, present one or more of the plurality of symbols to the display in an order, wherein the plurality of pre-staged transactions was received in the order.

8. The apparatus of claim 6 , wherein the at least one processor is further caused to:

note an order of receiving the plurality of pre-staged transactions other than the deposit; and

present one or more of the other of the plurality of symbols to the display in the order.

9. The apparatus of claim 6 , wherein the at least one processor is further caused to:

present one or more of the plurality of symbols to a display of a second ATM in response to the ATM being in use and the second ATM being in the predetermined location;

wherein the second ATM automatically enables completion of a second of the plurality of pre-staged transactions in response to a second of the plurality of mobile devices being in front of the second ATM, affirming the presence of a second user to complete the second pre-staged transaction.

10. The apparatus of claim 6 , wherein the plurality of symbols are not to be interpreted as sequential.

11. At least one non-transitory machine-readable storage medium comprising instructions that, when executed by at least one processor, cause the at least one processor to:

receive a plurality of pre-staged transactions from a plurality of mobile devices, one of the plurality of pre-staged transactions from one of the plurality of mobile devices comprising a deposit, wherein the plurality of pre-staged transactions are to be completed at an Automatic Teller Machine (ATM) at a predetermined location;

send a plurality of symbols to the respective plurality of mobile devices, the plurality of symbols each being unique, one symbol of the plurality of symbols to be associated with the deposit, wherein the plurality of symbols, including the one symbol, do not have a sequential relationship to one another; and

in response to the ATM being low on cash, present the one symbol to a display of the ATM before presenting the other of the plurality of symbols to the display, the symbol visually indicating that the ATM is a correct one to process the deposit, and

wherein the one of the plurality of mobile devices automatically detects that the one mobile device is in near-field communication (NFC) with the ATM and, in response to the NFC detection, the one mobile device communicates with the ATM such that the ATM is automatically enabled to accept the deposit, affirming the presence of a user making the deposit.

12. The at least one non-transitory machine-readable storage medium of claim 11 , comprising instructions that further cause the at least one processor to:

in response to the ATM not being low on cash, present one or more of the plurality of symbols to the display in an order, wherein the plurality of pre-staged transactions was received in the order.

13. The at least one non-transitory machine-readable storage medium of claim 11 , comprising instructions that further cause the at least one processor to:

note an order of receiving the plurality of pre-staged transactions other than the deposit; and

present one or more of the other of the plurality of symbols to the display in the order.

14. The at least one non-transitory machine-readable storage medium of claim 11 , comprising instructions that further cause the at least one processor to:

present one or more of the plurality of symbols to a display of a second ATM in response to the ATM being in use and the second ATM being in the predetermined location;

wherein the second ATM automatically enables completion of a second of the plurality of pre-staged transactions in response to a second of the plurality of mobile devices being in front of the second ATM, affirming the presence of a second user to complete the second pre-staged transaction.

15. The at least one non-transitory machine-readable storage medium of claim 11 , wherein the plurality of symbols are not to be interpreted as sequential.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 7, 2019
From: DADHANIYA, JANAK; WHITSITT, LISA; SMITH, ROBERT; WURMFELD, DAVID; FALETTI, STEVE
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 049106/0938 →
Continuity (1)
Related Publication 20200356979A1 · Nov 12, 2020
Cited By (1)
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