Systems and methods for distributed currency management

• US 10,489,785 B1
• Filed: 04/21/2016
• Issued: 11/26/2019
• Est. Priority Date: 04/15/2014
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Burks, Rickey D., Oakes, III, Charles L., Billman, Bradly J., Reedy, Matthew C., Castiglione, Anthony G., Gingrich, Jess W., Samuel, Wilson
• Primary Examiner(s): Subramanian, Narayanswamy
• Application Number:
  US15/135,123
• Time in Patent Office: 1,314 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07D 11/00 Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Abstract

This application relates to methods and systems for managing and distributing currency. One system includes modularized components and interacts with a user via the user'"'"'s cell phone. The user may authenticate to the system via a password and biometrics, pre-stage interactions such as deposits or withdrawals, and then conduct a transaction. The system may also analyze the documents, such as currency and/or checks, that are deposited with the system, and determine whether they are valid.

Claims

1. A method of authenticating a user for a transaction with a currency dispenser based on analysis of authentication information, the method comprising:

analyzing, using a processor, a first subset of the authentication information, wherein the first subset was gathered by the currency dispenser;

analyzing, using the processor, a second subset of the authentication information, wherein the second subset is distinct from the first subset and was gathered by a mobile device of the user;

notifying, using the processor, the user to think a previously selected password for the user;

analyzing, using the processor, a third subset of the authentication information, wherein the third subset of the authentication information includes contemporaneously gathered biometric information, wherein the contemporaneously gathered biometric information is gathered subsequent to notifying the user to think the previously selected password, and wherein the contemporaneously gathered biometric information includes a brainwave of the user, and wherein analyzing the third subset of the authentication information includes comparing the brainwave to a previously recorded brainwave of the user and determining a delta between the brainwave and the previously recorded brainwave;

identifying, using the processor, a current location of the mobile device;

comparing, using the processor, the current location to a previous location of the mobile device; and

based on the analysis of the first subset of the authentication information, the analysis of the second subset of the authentication information, the delta being less than a predetermined biometric difference threshold, and the comparison of the current location to the previous location of the mobile device, and using the processor, authorizing the user to conduct a transaction with the currency dispenser.

2. The method of claim 1, the method further comprising:

identifying the predetermined biometric difference threshold based on analysis of a user'"'"'s previous biometric reading.

3. The method of claim 2, wherein the step of identifying the predetermined biometric difference threshold is based on a time difference between the previous biometric reading and the contemporaneously gathered biometric information.

4. The method of claim 1, the method further comprising:

analyzing a plurality of previous biometric readings for the user; and

identifying the predetermined biometric difference threshold based on the analysis of the plurality of previous biometric readings.

5. The method of claim 4, wherein the step of identifying the predetermined biometric difference threshold is based on a first time difference between one of the plurality of previous biometric readings for the user and the contemporaneously gathered biometric information.

6. The method of claim 5, wherein the step of identifying the predetermined biometric difference threshold is further based on a second time difference between two or more of the plurality of previous biometric readings for the user.

7. The method of claim 1, wherein the previous location of the mobile device was determined during a previous transaction conducted by the user.

8. A non-transitory computer-readable medium having instructions stored thereon executed by a processor to:

notify a user to think a previously selected password for the user;

analyze a first subset of authentication information, wherein the first subset was gathered by a currency dispenser, wherein the authentication information includes contemporaneously gathered biometric information about the user, wherein the contemporaneously gathered biometric information is gathered subsequent to notifying the user to think the previously selected password, and wherein the biometric information includes a brainwave of the user;

analyze a second subset of the authentication information, wherein the second subset is distinct from the first subset and was gathered by a mobile device of a user;

compare the brainwave to a previously recorded brainwave of the user;

determine a delta between the brainwave of the contemporaneously gathered biometric information and the previously recorded brainwave;

identify a current location of the mobile device;

compare the current location to a previous location of the mobile device; and

based on the analysis of the first subset of the authentication information and the analysis of the second subset of the authentication information, authorize the user to conduct a transaction with the currency dispenser, wherein the step of authorizing the user is further based on the delta being less than a predetermined biometric difference threshold and the comparison of the current location to the previous location.

9. The computer-readable medium of claim 8, the instructions further causing the processor to:

analyze a plurality of previous biometric readings for the user; and

identify the predetermined biometric difference threshold based on both the analysis of the plurality of previous biometric readings, and a first time difference between one of the plurality of previous biometric readings for the user and the contemporaneously gathered biometric information.

10. The computer-readable medium of claim 9, wherein the step of identifying the predetermined biometric difference threshold is further based on a second time difference between two or more of the plurality of previous biometric readings for the user.

11. A non-transitory computer-readable medium having instructions stored thereon, the instructions relating to a user interacting with a plurality of currency dispensers and executed by a processor to:

analyze, using the processor, a first subset of authentication information, wherein the first subset was gathered by the currency dispenser;

analyze, using the processor, a second subset of the authentication information, wherein the second subset is distinct from the first subset and was gathered by a mobile device of the user;

notify, using the processor, the user to think a previously selected password for the user;

analyze contemporaneously gathered biometric information about the user, wherein the authentication information includes contemporaneously gathered biometric information about the user, wherein the biometric information includes a brainwave of the user, and wherein the contemporaneously gathered biometric information for the user is gathered subsequent to notifying the user to think the previously selected password;

identify a current location of the mobile device;

compare the current location to a previous location of the mobile device;

compare the brainwave to a previously recorded brainwave of the user;

determine a delta between the brainwave and the previously recorded brainwave;

analyze a plurality of previous biometric readings for the user;

identify a predetermined biometric difference threshold based on the analysis of the plurality of previous biometric readings; and

based on the analysis of the first subset of the authentication information, the analysis of the second subset of the authentication information, the delta being less than the predetermined biometric threshold, and the comparison of the current location to the previous location, authorize, using the processor, the user to conduct a transaction with the currency dispenser.