Techniques for remote controlled physical transactions with dynamic key generation and authentication
First Claim
Patent Images
1. A non-transitory computer-readable storage medium that is executed by one or more processors of a network to perform a method, comprising:
- receiving a request for a cash transaction from a personal mobile device of a customer;
acquiring a unique serial number for an automated teller machine (ATM) that is in proximity to the customer, the proximity is determined based on a configured policy to be a configured geographic distance to the customer;
presenting authentication screens that are presented on the ATM to the customer;
however, the authentication screens are presented for interaction on a display of the personal mobile device;
authenticating the customer for the cash transaction via input data supplied by the customer in response to the authentication screens and via the personal mobile device; and
generating a secure code that the customer is to supply to the ATM to complete the cash transaction once the customer is authenticated via the input data.
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Abstract
Techniques for remote controlled physical transactions with dynamic key generation and authentication are provided. A portable device is accessed remotely and separately from an Automated Teller Machine (ATM). The portable device is used to authenticate and initiate a cash transaction. The portable device is supplied a dynamically generated key and the key is provided to the ATM to finalize the transaction and cash is dispensed via the ATM.
28 Citations
19 Claims
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1. A non-transitory computer-readable storage medium that is executed by one or more processors of a network to perform a method, comprising:
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receiving a request for a cash transaction from a personal mobile device of a customer; acquiring a unique serial number for an automated teller machine (ATM) that is in proximity to the customer, the proximity is determined based on a configured policy to be a configured geographic distance to the customer; presenting authentication screens that are presented on the ATM to the customer;
however, the authentication screens are presented for interaction on a display of the personal mobile device;authenticating the customer for the cash transaction via input data supplied by the customer in response to the authentication screens and via the personal mobile device; and generating a secure code that the customer is to supply to the ATM to complete the cash transaction once the customer is authenticated via the input data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A non-transitory computer-readable storage medium that is executed by one or more processors of a network to perform a the method, comprising:
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receiving a request from a first device to process a cash transaction via a second device, the second device is in physical proximity to an Automated Teller Machine (ATM), the first and second device are separate physical devices and are physically remote from one another, the first device is in the possession of a first user and the second device is in the possession of a second and different user, the first user has an account that is being used for the cash transaction; acquiring a mechanism for communicating with the second device from the first device, the first device configures the mechanism for the method to communicate with the second device; uniquely identifying the ATM via interactions with the first device, the second device communicates a serial number of the ATM to the first device and the first device supplies the serial number to the method; verifying a customer account for processing the cash transaction, the customer provides verifying information via the first device; concluding the cash transaction via the first device; and sending a key to the second device, the key communicated to the ATM via an operator of the second device and once provided the ATM dispenses cash to the operator to finalize the cash transaction. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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18. A multiprocessor-implemented system, comprising:
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an Automated Teller Machine (ATM) server implemented in a computer-readable storage medium and to execute on a sever of a network; and an ATM; the ATM server configured to communicate with one or more portable devices over the network for purposes of authenticating a cash transaction that is concluded via the dispensing of cash at the ATM, the ATM server further configured to communicate with the ATM to alter screens appearing on an ATM display and to instruct the ATM to perform one or more actions including the dispensing of the cash and wherein the ATM is configured to wirelessly discover a particular portable device within a configured physical distance of the ATM and further configured to initiate a communication session between the particular portable device and the ATM server to initiate the cash transaction, and the ATM is further configured to supply a serial number of the ATM directly to the particular portable device for subsequent communication with the ATM during the communication session. - View Dependent Claims (19)
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Specification