Secure cardless cash withdrawal

• US 9,536,240 B2
• Filed: 07/21/2014
• Issued: 01/03/2017
• Est. Priority Date: 07/21/2014
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Toms, Teddy Vincent, Sridhar, Kiran Kumar, Raja, Balaji, Jain, Aditya
• Primary Examiner(s): STANFORD, CHRISTOPHER J
• Application Number:
  US14/336,590
• Publication Number:
  US 20160019537A1
• Time in Patent Office: 897 Days
• US Class Current: 1/1
• 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 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

Methods, systems, and computer program products for secure cardless cash withdrawal are provided. A computer-implemented method may include identifying one or more cash machines near a computing device of a user, receiving a cash request from the computing device, generating a one-time authorization code on a secure server for the cash request when the computing device is detected by a sensor of a selected cash machine, providing the one-time authorization code to the computing device for display to the user when the computing device is detected within a distance allowing the user to operate the cash machine, validating a user-provided code received from the selected cash machine in view of the one-time authorization code, instructing the selected cash machine to distribute the requested cash when the user-provided code is validated, and invalidating the one-time authorization code when the cash request is completed.

Claims

1. A computer system, comprising:

a non-transitory memory storing instructions; and

one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the computer system to perform operations comprising;

receiving a cash request from a computing device of a user;

generating a one-time authorization code for the cash request;

providing the one-time authorization code to each of a plurality of cash machines allowing any one of the plurality of cash machines to process the cash request;

receiving an indication that the computing device is detected by one or more sensors associated with a first cash machine from the plurality of cash machines;

notifying the user, via the computing device, to approach the first cash machine based on the indication and determining that the computing device is located beyond a transactional distance from the first cash machine; and

processing the cash request when a user-provided code received at the first cash machine matches the one-time authorization code.

2. The computer system of claim 1, wherein the operations further comprise:

providing the one-time authorization code to the computing device of the user when the computing device is detected by the one or more sensors associated with the first cash machine.

3. The computer system of claim 2, wherein the one-time authorization code is generated based on the indication that the computing device is detected by the one or more of the sensors associated with the first cash machine.

4. The computer system of claim 2, wherein the one-time authorization code is provided to the computing device of the user based on determining that the computing device is within twelve inches from the first cash machine as indicated by the one or more sensors associated with the first cash machine.

5. The computer system of claim 1, wherein the operations further comprise:

providing the one-time authorization code to a second computing device associated with a different user.

6. The computer system of claim 5, wherein the second user is indicated in the cash request.

7. The computer system of claim 1, wherein the operations further comprise:

receiving biometric data collected from the user at the first cash machine.

8. The computer system of claim 1, wherein the operations further comprise:

associating the one-time authorization code with the cash request.

9. The computer system of claim 1, wherein the operations further comprise:

invalidating the one-time authorization code generated for the cash request.

10. The computer system of claim 1, wherein the one-time authorization code is a single-use personal identification number (PIN).

11. The computer system of claim 1, wherein the one-time authorization code is a single-use quick response (QR) code.

12. The computer system of claim 1, wherein the operations further comprise:

approving the cash request based on one or more attributes of a financial account associated with the user.

13. The computer system of claim 1, wherein the operations further comprise:

providing a respective location of each one of the plurality of cash machines to the computing device.

14. The computer system of claim 1, wherein the operations further comprise:

providing, to the computing device, an indication that one or more of the plurality of cash machines allow cardless cash withdrawals.

15. The computer system of claim 1, wherein the operations further comprise:

providing, to the computing device, a listing of one or more cardless cash machines among the plurality of cash machines based on at least one user preference.

16. The computer system of claim 1, wherein the operations further comprise:

receiving an indication that the user has selected the first cash machine to fulfill the cash request.

17. The computer system of claim 1, wherein the operations further comprise:

validating the user-provided code received at the first cash machine by;

determining that the one-time authorization code is active;

verifying a location of the first cash machine; and

comparing the user-provided code to the one-time authorization code.

18. The computer system of claim 1, wherein each of the cash machines authorized to process the cash request is associated with a common beacon network.

19. A computer-implemented method, comprising:

receiving, by one or more processor devices, a cash request from a computing device of a user;

generating, by one or more of the processor devices, a one-time authorization code for the cash request;

providing, by one or more of the processor devices, the one-time authorization code to each of a plurality of cash machines allowing any one of the plurality of cash machines to process the cash request;

receiving an indication that the computing device is detected by one or more sensors associated with a first cash machine in the plurality of cash machines;

transmitting, by one or more of the processor devices, the one-time authorization code to the computing device of the user based on the indication;

notifying the user to approach the first cash machine based on the indication and determining that the computing device is located beyond a transactional distance from the first cash machine; and

authorizing, by one of more the processor devices, the first cash machine to process the cash request when a user-provided code received at the first cash machine matches the one-time authorization code.

20. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

receiving a cash request from a computing device of a user;

generating a one-time authorization code for the cash request;

providing the one-time authorization code to each of a plurality of cash machines allowing any one of the plurality of cash machines to process the cash request;

receiving an indication that the computing device is detected by one or more sensors associated with a first cash machine from the plurality of cash machines;

notifying the user to approach the first cash machine based on the indication and determining that the computing device is located beyond a transactional distance from the first cash machine; and

processing the cash request when a user-provided code received at the first cash machine matches the one-time authorization code.