# US 10,121,128 B2 · Automated financial transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,121,128 B2 - Document ID: US10121128B2 - Status: Granted - Kind: B2 - Application number: 15/626,970 - Filed: 2017-06-19 - Published: 2017-10-05 - Granted: 2018-11-06 - Earliest claimed: 2014-09-19 - Assignees: International Business Machines Corporation - Applicants: International Business Machines Corporation - Inventors: Biao Hao; Denzil S. Menezes; Wade A. Miller; Raymond L. Yee - Web page: https://patentgrep.com/patent/US10121128B2 ## CPC - G06Q 20/1085: {involving automatic teller machines [ATMs]} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/4097: {using mutual authentication between devices and transaction partners} - G07F 19/206: {Software aspects at ATMs} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) ## Abstract Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed. ## Claims ### Claim 1 A computer-implemented method of conducting, by a mobile computing device, a financial transaction on an automated teller machine (ATM), comprising: receiving, by the mobile computing device and from a display of the ATM, an ATM identifier; transmitting, by the mobile computing device and to the ATM, an ATM identifier confirmation; and transmitting, by the mobile computing device and responsive to a determination that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request, wherein the ATM processes the transaction request responsive to verifying the customer authentication or the transaction request. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the ATM identifier is an image, and the mobile computing device presents a plurality of images on a display of the mobile computing device, and one of the plurality of images is substantially identical to the image on the display of the ATM. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the identifier is an alphanumeric sequence. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein the transaction request is a withdrawal of a specified amount of cash from an account, and the processing the transaction request includes dispensing the specified amount of cash from the ATM. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the mobile computing device provides an indication that the mobile computer device is located within a predetermined distance from the ATM, and the ATM identifier is presented on the display of the ATM responsive to receiving the indication. ### Claim 6 (depends on 5) The computer-implemented method of claim 5, wherein the ATM identified is presented on the display of the ATM responsive to a determination that the ATM is available for use. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, wherein the ATM identifier confirmation is sent from the mobile computing device over a Bluetooth low energy communication network. ### Claim 8 A mobile device configured to a financial transaction on an automated teller machine (ATM), comprising: a hardware processor configured to initiate the following executable operations: receiving, by the mobile computing device and from a display of the ATM, an ATM identifier; transmitting, by the mobile computing device and to the ATM, an ATM identifier confirmation; and transmitting, by the mobile computing device and responsive to a determination that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request, wherein the ATM processes the transaction request responsive to verifying the customer authentication or the transaction request. ### Claim 9 (depends on 8) The mobile device of claim 8, wherein the ATM identifier is an image, and the mobile computing device presents a plurality of images on a display of the mobile computing device, and one of the plurality of images is substantially identical to the image on the display of the ATM. ### Claim 10 (depends on 8) The mobile device of claim 8, wherein the identifier is an alphanumeric sequence. ### Claim 11 (depends on 8) The mobile device of claim 8, wherein the transaction request is a withdrawal of a specified amount of cash from an account, and the processing the transaction request includes dispensing the specified amount of cash from the ATM. ### Claim 12 (depends on 8) The mobile device of claim 8, wherein the mobile computing device provides an indication that the mobile computer device is located within a predetermined distance from the ATM, and the ATM identifier is presented on the display of the ATM responsive to receiving the indication. ### Claim 13 (depends on 12) The mobile device of claim 12, wherein the ATM identified is presented on the display of the ATM responsive to a determination that the ATM is available for use. ### Claim 14 (depends on 8) The mobile device of claim 8, wherein the ATM identifier confirmation is sent from the mobile computing device over a Bluetooth low energy communication network. ### Claim 15 A computer program product, comprising: a hardware storage device having stored therein program code for conducting, by a mobile computing device, a financial transaction on an automated teller machine (ATM), the program instructions, which when executed by the mobile computing device, cause the mobile computing device to perform: receiving, by the mobile computing device and from a display of the ATM, an ATM identifier; transmitting, by the mobile computing device and to the ATM, an ATM identifier confirmation; and transmitting, by the mobile computing device and responsive to a determination that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request, wherein the ATM processes the transaction request responsive to verifying the customer authentication or the transaction request. ### Claim 16 (depends on 15) The computer program product of claim 15, wherein the ATM identifier is an image, and the mobile computing device presents a plurality of images on a display of the mobile computing device, and one of the plurality of images is substantially identical to the image on the display of the ATM. ### Claim 17 (depends on 15) The computer program product of claim 15, wherein the identifier is an alphanumeric sequence. ### Claim 18 (depends on 15) The computer program product of claim 15, wherein the transaction request is a withdrawal of a specified amount of cash from an account, and the processing the transaction request includes dispensing the specified amount of cash from the ATM. ### Claim 19 (depends on 15) The computer program product of claim 15, wherein the mobile computing device provides an indication that the mobile computer device is located within a predetermined distance from the ATM, and the ATM identifier is presented on the display of the ATM responsive to receiving the indication. ### Claim 20 (depends on 19) The computer program product of claim 19, wherein the ATM identified is presented on the display of the ATM responsive to a determination that the ATM is available for use.