Secure cardless cash withdrawal

• US 10,853,778 B2
• Filed: 11/28/2018
• Issued: 12/01/2020
• Est. Priority Date: 07/21/2014
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Raja, Balaji, Jain, Aditya, Toms, Teddy Vincent, Sridhar, Kiran Kumar
• Primary Examiner(s): Stanford, Christopher
• Application Number:
  US16/203,414
• Publication Number:
  US 20190095889A1
• Time in Patent Office: 734 Days
• 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 disclosed. For example, a computer-implemented method may include detecting presence of a user device at an automated teller machine (ATM) by one or more sensors, requesting an authorization indicator for a cash request in response to the detecting, receiving the authorization indicator associated with the cash request at the ATM where presentation of the authorization indicator at any one of a plurality of ATMs would authorize the cash request, and distributing funds associated with the cash request in response to receiving the authorization indicator.

Claims

1. A system comprising:

a plurality of automated teller machines (ATMs);

one or more sensor devices;

a non-transitory memory; and

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

in response to receiving a cash request initiated by a user device, selecting, from the plurality of ATMs, one or more ATMs designated for fulfilling the cash request based on a location of the user device;

detecting, using the one or more sensor devices, that the user device is located within a predetermined distance from a first ATM of the one or more ATMs;

in response to the request detecting, transmitting, to the user device, an authorization code for the cash request;

establishing a wireless short-range communication channel with an application of the user device using at least one of the one or more sensor devices corresponding to the first ATM;

retrieving, using the at least one of the one or more sensor devices via the wireless short-range communication channel, data comprising an account identifier associated with a user account from the application of the user device;

prompting, by the first ATM, a user of the user device for a code;

receiving, by the first ATM, the code from the user;

determining that a lapse of time between a first instance of time when the authorization code was transmitted to the user device and a second instance of time when the code was received by the first ATM is within a time threshold;

authenticating, by the first ATM, the user based on the received code matching the authorization code and the determining that the lapse of time is within the time threshold; and

in response to authenticating the user, distributing, by the first ATM, funds from the user account based on the cash request.

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

generating the authorization code for the cash request; and

transmitting the authorization code to the one or more ATMs.

3. The system of claim 1, wherein the authorization code is a one-time code associated with the cash request.

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

prompting, by the first ATM, the user for biometric information; and

validating the biometric information before distributing the funds associated with the cash request.

5. The system of claim 1, wherein the one or more sensor devices comprise a beacon device associated with a beacon network.

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

communicating, to the user device, instructions for moving toward at least one of the one or more ATMs based on the location of the user device.

7. The system of claim 1, wherein the operations further comprise determining that the application is installed on the user device before establishing the wireless short-range communication channel with the user device.

8. A method, comprising:

in response to receiving a cash request initiated by a user device, determining, from a plurality of automated teller machines (ATMs), one or more ATMs for fulfilling the cash request based on a location of the user device;

detecting, using one or more sensor devices, that the user device is located within a predetermined distance from a first ATM of the one or more ATMs;

in response to the detecting, transmitting, to the user device, an authorization code for the cash request;

using at least one of the one or more sensor device corresponding to the first ATM to establish a wireless short-range communication channel with the user device;

retrieving, using the at least one of the one or more sensor devices via the wireless short-range communication channel, data associated with the cash request from the user device;

prompting, by the first ATM, a user of the user device for a code;

receiving, by the first ATM, the code from the user;

in response to receiving the code, determining that a lapse of time between a first instance of time when the authorization code was transmitted to the user device and a second instance of time when the code was received by the first ATM is within a time threshold;

authenticating the user based on the code received by the first ATM matching the authorization code and the determining that the lapse of time is within the time threshold; and

in response to authenticating the user, distributing, by the first ATM, funds from a user account associated with the user device based on the cash request.

9. The method of claim 8, further comprising:

generating the authorization code for the cash request; and

transmitting the authorization code to the one or more ATMs.

10. The method of claim 8, wherein the authorization code is a one-time code associated with the cash request.

11. The method of claim 8, further comprising:

prompting, by the first ATM, the user for biometric information; and

validating the biometric information before distributing the funds associated with the cash request.

12. The method of claim 8, wherein the one or more sensor devices comprise a beacon device associated with a beacon network.

13. The method of claim 8, further comprising:

communicating, to the user device, directions to at least one of the one or more ATMs based on the location of the second user device.

14. The method of claim 8, wherein the data associated with the cash request comprises an identifier associated with the user device.

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

receiving a cash request initiated by a user device;

selecting, from a plurality of automated teller machines (ATMs), one or more ATMs for fulfilling the cash request based on a location of the user device;

providing, on the user device, directions to the one or more ATMs;

detecting, using the one or more sensor devices, that the user device is located within a predetermined distance from a first ATM from the one or more ATMs;

in response to the detecting, transmitting, to the user device, an authorization code for the cash request;

prompting, by the first ATM, a user of the user device for a code;

receiving the code, by the first ATM;

determining that a lapse of time between a first instance of time when the authorization code was transmitted to the user device and a second instance of time when the code was received by the first ATM is within a time threshold;

authenticating the user based on the received code matching the authorization code and the determining that the lapse of time is within the time threshold; and

in response to authenticating the user, causing the first ATM to distribute funds associated with the cash request.

16. The non-transitory machine-readable medium of claim 15, wherein the authorization code is a one-time alphanumeric code associated with the cash request.

17. The non-transitory machine-readable medium of claim 15, wherein the authorization code is a one-time machine-readable graphic associated with the cash request.

18. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise:

validating biometric information received in association with the cash request before causing the first ATM to distribute the funds associated with the cash request.

19. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise retrieving, using the at least one of the one or more sensor devices, data comprising an account identifier from the user device.

20. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise:

prompting, via the interface displayed on the first ATM, the user for biometric information, wherein the user is authenticated further based on validating the biometric information.