AUTOMATED TELLER MACHINE TRANSACTION QUEUE

• US 20100017327A1
• Filed: 07/15/2008
• Published: 01/21/2010
• Est. Priority Date: 07/15/2008
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Treadwell, Scott, DeLorenzo, Phillip
• Granted Patent: US 8,260,707 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

Methods and a system for performing an automated teller machine (ATM) transaction using a queue are disclosed. A user may first initiate an ATM transaction from a networked device to create a pending ATM transaction. The pending ATM transaction is then stored into a queue until it is accessed by the ATM. When a user is ready to complete the pending ATM transaction, the pending ATM transaction is retrieved from the queue and is completed by, for example, the ATM.

Claims

1. A method of processing an automated teller machine (ATM) transaction comprising:

receiving transaction information from a user for initiating the ATM transaction from a remotely located networked device so that the ATM transaction is pending and so that the user completes at least a portion of the ATM transaction remote from an ATM prior to the user arriving at the ATM and completing the pending ATM transaction;

storing the pending ATM transaction into a queue;

receiving authorization of the user at the ATM;

retrieving the pending ATM transaction from the queue at the ATM in response to receiving the authorization of the user at the ATM; and

completing the retrieved pending ATM transaction at the ATM,

wherein the ATM transaction comprises a transaction that a user may initiate and complete at an ATM.

2. The method of claim 1 further comprising authenticating the user from the networked device.

3. The method of claim 2 wherein the authenticating the user from the networked device comprises:

presenting an interface for the user to enter user login credentials via the networked device; and

receiving the user login credentials from the networked device.

4. The method of claim 2 further comprising logging the user into an online banking system in response to authenticating the user for the ATM transaction from the networked device.

5. The method of claim 4, wherein the networked device is connected an online banking system via one of a local area network (LAN) connection, a wide area network (WAN) connection, any wireless connection and a Bluetooth connection.

6. The method of claim 1 wherein the networked device comprises one of a mobile terminal, a mobile computer and a personal computer.

7. The method of claim 1 wherein the initiating the ATM transaction from a networked device comprises:

receiving a user selection to initiate the pending ATM transaction; and

receiving transaction information from the user regarding the pending ATM transaction, the ATM transaction comprising entering ATM information comprising a specific ATM where the pending ATM transaction will be completed.

8. The method of claim 7, wherein the transaction information received from the user comprises information related to one of a type of transaction to perform, a specific ATM location to perform the transaction, the amount of money involved, at least one banking account that will be used for the transaction, and security rules that will be applied at the ATM to complete the transaction.

9. The method of claim 8 wherein the type of transaction to perform comprises one of depositing, withdrawing, and transferring money.

10. The method of claim 1 further comprising authenticating the user to the ATM.

11. The method of claim 10 wherein the authenticating the user to the ATM comprises:

presenting an interface for the user to enter user ATM login credentials via the ATM; and

receiving the user ATM login credentials via the ATM.

12. The method of claim 1 further comprising querying the queue to determine if any pending ATM transactions are stored in the queue.

13. The method of claim 12 further comprising presenting an interface for the user to select to perform the pending ATM transaction in response to the ATM determining if the pending ATM transaction is stored in the queue.

14. The method of claim 13 further comprising completing the pending ATM transaction selected by the user to perform.

15. The method of claim 14 further comprising removing the pending ATM transaction from the queue.

16. The method of claim 12 further comprising automatically completing the pending ATM transaction in the queue in response to determining if the pending ATM transaction is stored in the queue and in response to the user indicating to complete the pending ATM transaction so that the pending transaction is completed at the ATM without any additional interaction by the user at the ATM.

17. A computer-readable storage medium comprising computer program code embodied therein for executing an ATM transaction, the computer program code, when executed on at least one computer, allows the at least one computer to:

receive transaction information from a user for initiating the ATM transaction from a remotely located networked device so that the ATM transaction is pending and so that the user completes at least a portion of the ATM transaction remote from an ATM prior to the user arriving at the ATM;

store the pending ATM transaction into a queue;

receives authorization at the ATM of the user;

retrieve the pending ATM transaction from the queue; and

complete the retrieved pending ATM transaction at the ATM in response to receiving the authorization of the user at the ATM.

18. The computer-readable storage medium of claim 17 wherein the instructions for initiating the ATM transaction from a networked device so that the ATM transaction is pending comprises:

instructions for receiving a user'"'"'s selection to perform the ATM transaction; and

instructions for receiving ATM transaction data inputted by the user.

19. The computer-readable storage medium of claim 17 wherein the computer program code further comprises instructions for querying the queue by the ATM to determine if any pending ATM transactions are stored in the queue.

20. The computer-readable storage medium of claim 17 wherein the computer program code further comprises:

instructions for presenting an interface for the user to confirm to complete one of any pending ATM transactions stored in the queue; and

instructions for completing the user-confirmed pending ATM transaction.

21. The computer-readable storage medium of claim 20 wherein the computer program code further comprises instructions for removing the completed ATM transaction from the queue.

22. The computer-readable storage medium of claim 17 wherein the computer program code is stored in the queue.

23. The computer-readable storage medium of claim 17 further comprising authenticating the user to the user to the ATM.

24. The computer-readable storage medium of claim 17 further comprising instructions for authenticating the user to initiate the ATM transaction from a networked device.

25. The computer-readable storage medium of claim 24 comprises:

instructions for presenting an interface for the user to enter user login credentials via the networked device; and

instructions for receiving the user login credentials from the networked device.

26. A system for processing an ATM transaction, comprising:

a middle ware processing system;

to receive transaction information from a user to initiate the ATM transaction from a remotely located networked device so that the ATM transaction is pending and so that the user completes at least a portion of the ATM transaction remote from an ATM prior to the user arriving at the ATM; and

to store the pending ATM transaction;

an ATM to receive authorization at the ATM of the user and execute the pending ATM transaction in response to receiving the authorization of the user at the ATM; and

a network to connect the ATM to the middle ware processing system.

27. The system of claim 26, where the middle ware processing system comprises a queue to store the pending ATM transaction.

28. The system of claim 27, where the queue is a component of one of an ATM centralized processing system and an online banking processing system.

29. The system of claim 26, further comprising a back end system connected to the middle ware processing system via the network.

30. The system of claim 26 wherein the networked device comprises one of a mobile terminal, a mobile computer and a desktop computer.

31. The system of claim 30 wherein the mobile terminal comprises one of a personal digital assistant (PDA), a cellular telephone, and a wireless handheld device.

32. The system of claim 26 wherein the network comprises one of a local area network (LAN) connection, a wide area network (WAN) connection and a Bluetooth connection.

33. Apparatus for executing an ATM transaction, the apparatus comprising:

means for receiving user input via a remotely located networked device to initiate the ATM transaction so that the ATM transaction is pending and so that the user completes at least a portion of the ATM transaction remote from an ATM prior to the user arriving at the ATM;

means for storing the pending ATM transaction;

means for receiving authorization at the ATM of the user;

means for retrieving the pending ATM transaction from the storing means; and

means for completing the pending ATM transaction in response to receiving the authorization of the user at the ATM.

34. The apparatus of claim 33 further comprising means for authenticating the user for the ATM transaction via the networked device, wherein the networked device is separate from the retrieving means.

35. The apparatus of claim 33 further comprising means for querying the storing means to determine if any pending ATM transactions are stored in the storing means.

36. The apparatus of claim 33 further comprising means for presenting an interface for the user to confirm to complete the pending ATM transaction.

37. The apparatus of claim 33 further comprising:

means for receiving user ATM login credentials; and

means for authenticating the user to the retrieving means.