# US 10,504,108 B2 · Mobile phone ATM processing methods and systems

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- Number: US 10,504,108 B2
- Document ID: US10504108B2
- Status: Granted
- Kind: B2
- Application number: 15/912,485
- Filed: 2018-03-05
- Published: 2018-10-04
- Granted: 2019-12-10
- Earliest claimed: 2010-04-09
- Assignees: Paypal, Inc.
- Applicants: PayPal, Inc.
- Inventors: Kevin Laracey
- Web page: https://patentgrep.com/patent/US10504108B2

## CPC

- G06Q 20/3821: {Electronic credentials}
- G06F 21/335: {for accessing specific resources, e.g. using Kerberos tickets}
- G06F 21/35: communicating wirelessly
- G06F 21/36: by graphic or iconic representation
- G06F 21/43: wireless channels
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/327: {Short range or proximity payments by means of M-devices}
- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G07F 19/20: {Automatic teller machines [ATMs]}
- G07F 19/203: {Dispensing operations within ATMs (dispensing in general G07D11/00)}
- G07F 19/211: {Software architecture within ATMs or in relation to the ATM network}
- H04L 63/18: {using different networks or channels, e.g. using out of band channels (cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215)}
- H04W 12/068: {using credential vaults, e.g. password manager applications or one time password [OTP] applications}
- H04W 12/069: using certificates or pre-shared keys
- G06F 2221/2101: Auditing as a secondary aspect
- G06F 2221/2111: Location-sensitive, e.g. geographical location, GPS
- G06F 2221/2117: User registration
- G06F 2221/2119: Authenticating web pages, e.g. with suspicious links
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- 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})
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The method of claim 1, wherein the device signature comprises data indicating hardware attributes of the mobile device.

### Claim 3 (depends on 1)

The method of claim 1, wherein the device signature is a first device signature, wherein the authentication data comprises a second device signature, and wherein determining that the authentication data is associated with the device signature comprises comparing the first device signature to the second device signature.

### Claim 4 (depends on 3)

The method of claim 3, further comprising:
receiving, through the ATM, a user input; and
determining that the user input matches a stored input, wherein the executing the ATM transaction request is in further response to determining that the user input matches the stored input.

### Claim 5 (depends on 4)

The method of claim 4, wherein determining that the user input matches the stored input is before determining that the authentication data is associated with the device signature.

### Claim 6 (depends on 1)

The method of claim 1, wherein the authentication data comprises a user password.

### Claim 7 (depends on 1)

The method of claim 1, wherein the ATM transaction request further comprises data identifying the first ATM.

### Claim 8 (depends on 1)

The method of claim 1, wherein the ATM code is a dynamically generated ATM code that uniquely identifies the ATM transaction request.

### Claim 9 (depends on 1)

The method of claim 1, wherein the ATM code is based on one or more of a time stamp, a location of the ATM, or a transaction amount.

### Claim 10 (depends on 1)

The method of claim 1, wherein the location data comprises proximity sensor data or global positioning data.

### Claim 11

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.

### Claim 12 (depends on 11)

The non-transitory machine-readable medium of claim 11, wherein the device signature comprises data indicating hardware attributes of the mobile device.

### Claim 13 (depends on 11)

The non-transitory machine-readable medium of claim 11, wherein the operations further comprise:
providing, before providing the ATM transaction request, the device signature from the mobile device to the ATM transaction management system.

### Claim 14 (depends on 11)

The non-transitory machine-readable medium of claim 11, wherein the authentication data is transmitted after the code data.

### Claim 15 (depends on 11)

The non-transitory machine-readable medium of claim 11, wherein the authentication data comprises the device signature.

### Claim 16 (depends on 11)

The non-transitory machine-readable medium of claim 11, wherein the authentication data comprises a user password.

### Claim 17 (depends on 11)

The non-transitory machine-readable medium of claim 11, wherein the ATM transaction request further comprises data identifying a first ATM, and wherein the ATM code is associated with the first ATM.

### Claim 18

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.

### Claim 19 (depends on 18)

The mobile device of claim 18, wherein the automatically activating the imaging device comprises placing the imaging device in a ready mode configured to capture an image in response to a user input.

### Claim 20 (depends on 18)

The mobile device of claim 18, wherein the operations further comprise:
automatically, in response to activating the imaging device, capturing an image frame with the imaging device;
determining that the image frame comprises an image of an ATM code of the ATM;
determining information associated with the ATM transaction from the ATM code; and
ceasing, in response to the determining the information associated with the ATM transaction from the ATM code, capturing image frames with the imaging device.