PENDING ATM TRANSACTIONS

• US 20120197797A1
• Filed: 01/31/2011
• Published: 08/02/2012
• Est. Priority Date: 01/31/2011
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Votaw, Elizabeth S., Jones, Alicia C., Kelly, Patrick Brian, Keller, Marc B., Kerber, Cindy Elizabeth
• Application Number:
  US13/018,288
• Publication Number:
  US 20120197797A1
• Time in Patent Office: Days
• US Class Current: 705/43
• 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: G07F 19/20 Automatic teller machines [ATMs]

Abstract

In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information.

Claims

1. A method comprising:

initiating a pending ATM transaction on a mobile device, wherein the initiating is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and wherein the initiating occurs before the user arrives at an ATM for completing the pending ATM transaction;

storing, on the mobile device, transaction information associated with the pending ATM transaction; and

transferring the transaction information from the mobile device directly to the ATM, wherein the ATM is configured to complete the pending ATM transaction based at least partially on the transaction information, and wherein the transferring occurs after the user arrives at the ATM for completing the pending ATM transaction.

2. The method of claim 1, further comprising:

generating, on the mobile device, the transaction information based at least partially on the one or more inputs, wherein the generating the transaction information occurs before the transferring the transaction information.

3. The method of claim 2,

wherein the generating the transaction information comprises generating, on the mobile device, a token based at least partially on the one or more inputs,

wherein the storing the transaction information comprises storing the token on the mobile device, and

wherein the transferring the transaction information from the mobile device directly to the ATM comprises transferring the token from the mobile device directly to the ATM.

4. The method of claim 1, wherein neither the transaction information nor information based at least partially on the one or more inputs is transferred from the mobile device during the period of time that extends between the initiating the pending ATM transaction and the transferring the transaction information.

5. The method of claim 1, further comprising:

authenticating the user at the mobile device before the initiating the pending ATM transaction.

6. The method of claim 1, further comprising:

prompting, at the mobile device, the user to input the one or more inputs into the mobile device.

7. The method of claim 1, further comprising:

authenticating the user at the ATM after the user arrives at the ATM for completing the pending transaction.

8. The method of claim 1, further comprising:

prompting, at the ATM, the user to transfer the transaction information from the mobile device to the ATM.

9. The method of claim 1, further comprising:

prompting, at the mobile device, the user to select the pending ATM transaction for transfer.

10. The method of claim 1, further comprising:

prompting, at the ATM, the user to select the pending ATM transaction for completion, wherein the prompting occurs after the transferring the transaction information.

11. The method of claim 10, further comprising:

completing the pending ATM transaction at the ATM, wherein the completing the pending ATM transaction occurs automatically after the user selects the pending ATM transaction so that the pending ATM transaction is completed without any additional action by the user.

12. The method of claim 1, wherein the transaction information identifies the mobile device and an account held by the user, the method further comprising:

determining, at the ATM, that the mobile device is associated with the account.

13. The method of claim 1, further comprising:

removing the transaction information from the mobile device after the transferring the transaction information.

14. The method of claim 1, further comprising:

completing the pending ATM transaction at the ATM.

15. The method of claim 1, wherein the pending ATM transaction is valid only for a predetermined period of time.

16. The method of claim 1, wherein the pending ATM transaction is valid only for a predetermined ATM.

17. The method of claim 1, wherein the mobile device comprises a first near field communication (NFC) interface and the ATM comprises a second NFC interface, and wherein the transferring the transaction information comprises transferring the transaction information from the first NFC interface directly to the second NFC interface.

18. The method of claim 1, wherein the mobile device comprises a mobile phone.

19. The method of claim 1, wherein the pending ATM transaction comprises a cash withdrawal transaction.

20. A mobile device comprising:

a user interface configured to receive one or more inputs from a user of the mobile device;

a memory device;

a processor operatively connected to the user interface and the memory device, and configured to;

initiate a pending ATM transaction, wherein the processor initiates the pending ATM transaction based at least partially on the one or more inputs, and wherein the processor initiates the pending ATM transaction before the user arrives at an ATM for completing the pending ATM transaction; and

store, in the memory device, transaction information associated with pending ATM transaction; and

a communication interface operatively connected to the processor and configured to;

transfer the transaction information from the memory device to the ATM, wherein the ATM is configured to complete the pending ATM transaction based at least partially on the transaction information, and wherein the communication interface transfers the transaction information after the user arrives at the ATM for completing the pending ATM transaction.

21. The mobile device of claim 20, wherein the processor is further configured to:

generate the transaction information based at least partially on the one or more inputs, wherein the processor generates the transaction information before the communication interface transfers the transaction information.

22. The mobile device of claim 20, wherein neither the transactions information nor information based at least partially on the one or more inputs is transferred from the mobile device during the period of time that extends between the processor initiating the pending ATM transaction and the communication interface transferring the transaction information.

23. The mobile device of claim 20, wherein the processor is further configured to:

authenticate the user before the processor initiates the pending ATM transaction.

24. The mobile device of claim 20, wherein the processor is further configured to:

prompt, via the user interface, the user to input the one or more inputs into the mobile device.

25. The mobile device of claim 20, wherein the processor is further configured to:

prompt, via the user interface, the user to select the pending ATM transaction for transfer.

26. The mobile device of claim 20, wherein the pending ATM transaction is valid only for a predetermined period of time.

27. The mobile device of claim 20, wherein the pending ATM transaction is valid only for a predetermined ATM.

28. The mobile device of claim 20, wherein the communication interface comprises a first NFC interface and the ATM comprises a second NFC interface, and wherein the communication interface transfers the transaction information by transferring the transaction information from the first NFC interface directly to the second NFC interface.

29. A computer program product comprising a non-transitory computer-readable medium, wherein the non-transitory computer-readable medium comprises one or more computer-executable program code portions that, when executed by a mobile device, cause the mobile device to:

initiate a pending ATM transaction on the mobile device, wherein the mobile device initiates the pending ATM transaction based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and wherein the mobile device initiates the pending ATM transaction before the user arrives at an ATM for completing the pending ATM transaction;

store, on the mobile device, transaction information associated with the pending ATM transaction; and

transfer the transaction information from the mobile device directly to the ATM, wherein the ATM is configured to complete the pending ATM transaction based at least partially on the transaction information, and wherein the mobile device transfers the transaction information after the user arrives at the ATM for completing the pending ATM transaction.

30. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the mobile device, cause the mobile device to:

generate the transaction information based at least partially on the one or more inputs, wherein the mobile device generates the transaction information before the mobile device transfers the transaction information.

31. The computer program product of claim 29, wherein neither the transaction information nor information based at least partially on the one or more inputs is transferred from the mobile device during the period of time that extends between the mobile device initiating the pending ATM transaction and the mobile device transferring the transaction information.

32. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the mobile device, cause the mobile device to:

authenticate the user before the mobile device initiates the pending ATM transaction.

33. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the mobile device, cause the mobile device to:

prompt the user to input the one or more inputs into the mobile device.

34. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the mobile device, cause the mobile device to:

prompt the user to select the pending ATM transaction for transfer.

35. The computer program product of claim 29, wherein the pending ATM transaction is valid only for a predetermined period of time.

36. A method comprising:

receiving, at an ATM and directly from a mobile device, transaction information associated with one or more pending ATM transactions; and

completing, at the ATM, the one or more pending ATM transactions based at least partially on the transaction information.

37. The method of claim 36, further comprising:

prompting, via a user interface associated with the ATM, the user to transfer the transaction information from the mobile device directly to the ATM.

38. The method of claim 36, wherein the completing the one or more pending ATM transactions occurs automatically after the receiving the transaction information so that the one or more pending ATM transactions are completed without any additional action by a user of the ATM.

39. The method of claim 36, wherein the transaction information comprises information associated with an account, the method further comprising:

determining, at the ATM, that the mobile device is associated with the account.

40. The method of claim 36, wherein the one or more pending ATM transactions are valid only for a predetermined period of time.

41. The method of claim 36, wherein the one or more pending ATM transactions are valid only for the ATM.

42. The method of claim 36, wherein the mobile device comprises a first NFC interface and the ATM comprises a second NFC interface, and wherein the receiving the transaction information comprises receiving the transaction information at the second NFC interface directly from the first NFC interface.

43. The method of claim 36, further comprising:

prompting, via a user interface associated with the ATM, the user to select one or more of the one or more pending ATM transactions for completion; and

receiving, via the user interface, the user'"'"'s one or more selections.

44. The method of claim 36, further comprising:

authenticating the user at the ATM.