CARDLESS FINANCIAL TRANSACTIONS
24 Assignments
0 Petitions
Accused Products
Abstract
An automatic-transaction-machine (ATM) has a housing covering at least a portion of the ATM, a transmitter, and a receiver. The processor controls at least portions of some financial transactions conducted by the ATM. A banking computer system associated with the ATM is receives a pre-created transaction request from a customer using a mobile device. The ATM will not process the pre-created transaction request until the customer is verified to be present at the ATM. When the customer later brings the mobile device within range of the transmitter of the ATM, the ATM presents transaction-verification data to be received by the mobile device. The receiver of the ATM is configured to receive mobile-verification data back from the mobile device that is responsive to the transaction-verification data. When the mobile-verification data is authenticated by the banking computer system the ATM is configured to execute the pre-created transaction request.
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Citations
23 Claims
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1-3. -3. (canceled)
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4. An automatic-transaction-machine (ATM) comprising:
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a housing covering at least a portion of the ATM; a transmitter; a receiver; a processor at least partially configured to control at least portions of some financial transactions conducted by the ATM; wherein a banking computer system associated with the ATM is configured to receive a pre-created transaction request created by a customer using a mobile device communicating with the banking computer system, and wherein the ATM will not process the pre-created transaction request until the customer is verified to be present at the ATM; and wherein when the customer later brings the mobile device within range of the transmitter of the ATM, the ATM is configured to present transaction-verification data at the ATM operable to be received by the mobile device, wherein the receiver of the ATM is configured to receive mobile-verification data from the mobile device, wherein the mobile-verification data is responsive to the transaction-verification data, and wherein when the mobile-verification data is authenticated by the banking computer system the ATM is configured to execute the pre-created transaction request.
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19. An automatic transaction machine (ATM) comprising:
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a housing; a transmitter; a receiver; a cash dispenser configured to dispense cash;
a deposit unit configured to accept deposits;a processor at least partially configured to control the cash dispenser and the deposit unit; wherein the ATM lacks a keypad; wherein the ATM lacks a card reader; wherein the ATM lacks more than three customer interface buttons; wherein a mobile device is configured to request and send a pre-created banking transaction request to a banking network, wherein the pre-created banking transaction request was created through the mobile device in communication with the banking network with the mobile device located away from the ATM without communication or interaction with the ATM, wherein the pre-created banking transaction request is matched to a banking account and authenticated while the mobile device is located away from the ATM and when the mobile device is without communication or interaction with the ATM, wherein no authentication of the mobile device or the pre-created banking transaction request is performed at the ATM, wherein when the pre-created banking transaction request is authenticated a corresponding executable transaction request is created by a computer on the banking network and the executable transaction is stored remotely from the mobile device, and wherein when the pre-created banking transaction request is authenticated a transaction identifier associated with the pre-created banking transaction request is generated by at least one computer on the network and sent to the ATM to present to the mobile device; and when a customer is at the ATM the receiver is configured to receive a response from the mobile device based on the transaction identifier, wherein the banking network is configured to verify if the response is valid and when the response is valid the ATM and the banking network are configured to perform the pre-created banking transaction request while the customer is physically present the ATM. - View Dependent Claims (23)
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22. A method of performing a pre-created banking transaction at an ATM comprising:
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signaling from the ATM, responsive to the ATM sensing a mobile device near the ATM, a transaction identification of the pre-created banking transaction, and wherein the pre-created banking transaction is created by a customer using the mobile device remote from the ATM and is created before the customer arrives at the ATM; presenting the transaction identification at the ATM so that the transaction identification recognized by the mobile device, creating mobile-verification data at the mobile device in response to the transaction identification to indicate the customer carrying the mobile device has arrived at the ATM; and responsive to the mobile-verification data being authenticated by a banking computer system, the ATM is configured to perform the pre-created banking transaction.
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Specification