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US 10,504,108 B2Granted
Mobile phone ATM processing methods and systems
AssigneePaypal, Inc.
InventorKevin Laracey
Life of this patent
Estimating the term…
Abstract
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.
Claims20
A method comprising:
- receiving an automated teller machine (ATM) transaction request comprising location data and a device signature from a mobile device;
- determining, using the location data, that the mobile device is within a predetermined distance to a first ATM;
- causing a display of the first ATM to display an ATM code based on determining that the mobile device is within the predetermined distance to the first ATM;
- receiving code data from the mobile device;
- verifying that the code data is associated with the ATM code;
- receiving, after verifying that the code data is associated with the ATM code, authentication data from the mobile device;
- determining that the authentication data is associated with the device signature;
- and
- executing the ATM transaction request through the first ATM in response to determining that the authentication data is associated with the device signature.
6 more elements
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
- providing an automated teller machine (ATM) transaction request comprising location data and a device signature from a mobile device to an ATM transaction management system;
- scanning, after providing the ATM transaction request, an ATM code with the mobile device;
- transmitting, after scanning the ATM code, code data associated with the ATM code from the mobile device to the ATM transaction management system;
- and
- transmitting, after scanning the ATM code, authentication data from the mobile device to the ATM transaction management system to cause an ATM to execute the ATM transaction request.
2 more elements
A mobile device comprising:
- an imaging device;
- 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 mobile device to perform operations comprising:
- receiving instructions for an automated teller machine (ATM) transaction;
- receiving location data;
- determining, using the location data, that the mobile device is within a predetermined distance to an ATM capable of fulfilling the ATM transaction;
- and
- automatically activating the imaging device based on the determining that the mobile device is within the predetermined distance to the ATM to execute the ATM transaction.
6 more elements
Dependencies are inferred from the claim text.