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US 10,853,778 B2Granted
Secure cardless cash withdrawal
AssigneePaypal, Inc.
InventorsBalaji Raja, Aditya Jain, Teddy Vincent Toms, Kiran Kumar Sridhar
Life of this patent
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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.
Claims20
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.
13 more elements
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.
8 more elements
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.
8 more elements
Dependencies are inferred from the claim text.