MOBILE PHONE ATM PROCESSING METHODS AND SYSTEMS

• US 20120160912A1
• Filed: 12/23/2011
• Published: 06/28/2012
• Est. Priority Date: 12/23/2010
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: Paydiant Incorporated (PayPal Holdings, Inc.)
• Inventors: Laracey, Kevin
• Granted Patent: US 8,632,000 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06F 21/335 for accessing specific resources, e.g. using Kerberos tickets
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 21/36 by graphic or iconic representation
• CPC Class Codes: G06F 21/43 wireless channels
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: G06F 2221/2117 User registration
• CPC Class Codes: G06F 2221/2119 Authenticating web pages, e.g. with suspicious links
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04W 12/068 : using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys

Abstract

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

Claims

1. A method for operating a mobile device to complete a transaction between an account holder and an automated teller machine (“

ATM”

), the method comprising;

causing an ATM code to be captured by the mobile device, the ATM code presented to the account holder at a location of said ATM;

transmitting, to a remote transaction management system, a transaction request message including information associated with said ATM code;

transmitting, to said remote transaction management system, information identifying a selected transaction account associated with said account holder for use in said transaction; and

receiving, from said transaction management system, instructions to complete said transaction.

2. The method of claim 1, wherein said ATM code is presented using at least one of:

(i) an alphanumeric code, (ii) a code consisting of a combination of letters, numbers or symbols, (iii) an encoded image including at least one of (a) a barcode, (b) a QR code, and (c) an image pattern, and (iv) a wireless signal.

3. The method of claim 2, wherein said ATM code is a static identifier associated with a specific ATM at a specific location.

4. The method of claim 2, wherein said ATM code is a dynamic identifier generated for said transaction and displayed via a display device associated with said ATM.

5. The method of claim 4, wherein said dynamic identifier is generated by said ATM for use in said transaction.

6. The method of claim 4, wherein said dynamic identifier is generated by said transaction management system for use in said transaction at said ATM.

7. The method of claim 4, wherein said ATM code is generated to include at least one of:

(i) information identifying said ATM, (ii) a transaction type selected by said account holder, (iii) a transaction amount selected by said account holder, and (iv) an informational message.

8. The method of claim 7, wherein said causing an ATM code to be captured by the mobile device further comprises:

displaying information associated with said ATM code on a display device of said mobile device.

9. The method of claim 1, further comprising:

receiving, from said transaction management system, information identifying a list of available transaction accounts associated with said account holder and a request for selection of at least one of said available transaction accounts.

10. The method of claim 1, further comprising:

receiving, from said transaction management system, information identifying a set of transaction options available to said account holder at said ATM and a request for selection of at least one of said transaction options.

11. The method of claim 10, wherein said information identifying a transaction option is determined by at least one of (i) an account holder specified rule, (ii) an ATM operator specified rule, and (iii) a system specified rule.

12. The method of claim 9, further comprising displaying said list of available transaction accounts on a display device of said mobile device, wherein said displaying said list of available transaction accounts further comprises:

displaying, for each of said available transaction accounts, at least one of (i) an available balance, (ii) a transaction option available at said ATM using said account, and (iii) offer information.

13. The method of claim 12, wherein displaying said list of available transaction accounts further comprises:

displaying, on a display device of said mobile device, said list of available transaction accounts in an order of preference, wherein said order is determined by at least one of (i) an account holder rule, (ii) an ATM operator rule, (iii) a transaction management system rule, and (iv) a financial institution rule.

14. The method of claim 1, further comprising:

displaying, on a display device of said mobile device, a promotional message, said promotional message based on at least one of (i) an identity of an operator of the ATM, (ii) a location of the ATM, (iii) a profile of the customer, and (iv) the transaction accounts used by the customer.

15. The method of claim 1, further comprising:

authenticating at least one of (i) said account holder and (ii) said mobile device.

16. The method of claim 15, wherein said authenticating said account holder is performed at least one of (i) prior to said causing an ATM code to be captured by the mobile device, and (ii) after said causing an ATM code to be captured by the mobile device.

17. The method of claim 16, wherein said mobile device is a smart phone having an ATM transaction application installed in a memory thereof, wherein said authenticating said account holder further comprises:

prompting said account holder for a passcode, said passcode authenticating said account holder to said ATM transaction application.

18. The method of claim 16, wherein said authenticating said account holder further comprises:

verifying an identity of said account holder based on at least one of;

(i) a user identifier and password, (ii) a personal identification number, (iii) a mobile telephone number, (iv) a facial recognition, and (v) a keyboard biometric process.

19. The method of claim 16, wherein said mobile device is a Web-enabled phone, wherein said authenticating said account holder further comprises:

pointing a browser of said mobile device to a Web page associated with said transaction management system; and

prompting said account holder for a passcode, said passcode authenticating said account holder to said transaction management system.

20. The method of claim 15, wherein said authenticating said mobile device is performed at least one of (i) prior to authenticating said account holder, and (ii) after authenticating said account holder.

21. The method of claim 15, wherein said authenticating said mobile device further comprises:

establishing a connection between said mobile device and said transaction management system, wherein said transaction management system is operable to compare authentication data associated with said mobile device with stored data associated with the mobile device.

22. The method of claim 21, wherein said mobile device authentication data includes at least one of:

(i) a mobile phone number, (ii) a unique identifier associated with an application installed on said mobile device, and (iii) a unique identifier associated with said mobile device.

23. The method of claim 22, wherein said unique identifier associated with said mobile device is at least one of:

(i) a hardware identifier, (ii) a serial number, (iii) a MAC address, (iv) an ASIN, and (v) a UUID.

24. The method of claim 1, wherein said instructions to complete said transaction further comprise:

a temporary code for entry into said ATM to complete said transaction, wherein said transaction management system transmits said temporary code to said ATM to allow said transaction to occur.

25. The method of claim 1, wherein said instructions to complete said transaction further comprise:

prompting said account holder to interact with a data input device of said ATM to select a transaction type and transaction details, wherein said transaction management system transmits authorization information to said ATM to allow said transaction to occur.

26. A transaction system, comprising:

a mobile device, said mobile device associated with an account holder and

an automated teller machine (“

ATM”

) in communication with a transaction management system, said transaction management system configured to

cause an ATM code to be generated in response to a request from said ATM, the ATM code identifying a transaction to be conducted at said ATM;

transmit said ATM code to said ATM;

receive, from said mobile device, a transaction request message including information associated with said ATM code, information associated with said account holder and information associated with said mobile device; and

transmit, to said ATM, instructions to complete said transaction for said account holder.