# US 11,308,481 B1 · Cardless ATM authentication

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- Number: US 11,308,481 B1
- Document ID: US11308481B1
- Status: Granted
- Kind: B1
- Application number: 15/395,072
- Filed: 2016-12-30
- Granted: 2022-04-19
- Earliest claimed: 2014-09-02
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Michael R. Thomas; Armin Ajami; Roger Baclig; Jeffrey Cornman; Darrell Suen
- Web page: https://patentgrep.com/patent/US11308481B1

## CPC

- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06F 21/35: communicating wirelessly
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/40155: {for triggering transactions}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- 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)

## Abstract

Systems and methods for cardless authentication of a user at an automated teller machine are described. A method includes receiving, by a mobile device, a proximity notification from an automated teller machine; receiving, by the mobile device, a request for authentication information regarding a user of the mobile device; and transmitting, by the mobile device, the authentication information to the automated teller machine for authentication to, in turn, enable a user to perform a financial transaction at the automated teller machine based upon the transmitted authentication information.

## Claims

### Claim 1

A method, comprising:
storing, by a mobile banking application of a mobile device, a customer token and a device token, the customer token identifying a customer, the device token identifying the mobile device;
configuring, by the mobile banking application, a pre-staged cash withdrawal for implementation by a designated automated teller machine, wherein configuring the pre-staged cash withdrawal comprises:
providing, by the mobile banking application, a transaction amount, the designated automated teller machine for implementing the pre-staged cash withdrawal, and a designated time range for the pre-staged cash withdrawal;
detecting, by the mobile device, a proximity notification in a form of a beacon identifier broadcast from an automated teller machine within the designated time range, the automated teller machine having a transaction card withdrawal limit;
transmitting, by the mobile device in response to detecting the proximity notification within the designated time range, the beacon identifier, the customer token, and the device token to a bank computer system;
prompting, by the mobile device in response to detecting the proximity notification within the designated time range, a user of the mobile device to confirm that the automated teller machine should proceed with the pre-staged cash withdrawal;
in response to receiving an affirmative response from the user and based on the mobile device detecting the proximity notification within the designated time range, transmitting, by the mobile device, a signal to the automated teller machine to initiate the pre-staged cash withdrawal;
receiving, by the mobile device, a request for authentication information regarding the user of the mobile device based on the transaction amount exceeding the transaction card withdrawal limit;
generating, by the mobile device, the authentication information, the authentication information including a code; and
providing, by the mobile device, the generated authentication information to the automated teller machine for authentication to, in turn, enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit based upon the generated authentication information,
wherein the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.

### Claim 2 (depends on 1)

The method of claim 1, wherein the pre-staged cash withdrawal does not require a transaction card to be authenticated.

### Claim 3 (depends on 1)

The method of claim 1, wherein the proximity notification is based on the mobile device being at or within a predefined distance of the automated teller machine.

### Claim 4 (depends on 1)

The method of claim 1, wherein the prompt includes requesting, by the mobile device, the user to provide a personal identification number (PIN) associated with the user.

### Claim 5 (depends on 1)

The method of claim 1, wherein at least one of the device token and the customer token are only provided in response to the mobile device receiving valid authentication information for accessing the mobile banking application.

### Claim 6 (depends on 5)

The method of claim 5, wherein the valid authentication information further includes at least one of a valid: personal identification number (PIN); biometric information; and a vibrational pattern of the mobile device.

### Claim 7

A mobile device, comprising:
logic stored by a memory device; and
a processor coupled to the memory device, the processor configured to execute the logic stored by the memory device to perform operations including:
store, by a mobile banking application of the mobile device, a customer token and a device token, the customer token identifying a customer, the device token identifying the mobile device;
configure, by the mobile banking application, a pre-staged cash withdrawal for implementation by a designated automated teller machine, wherein configuring the pre-staged cash withdrawal comprises:
providing, by the mobile banking application, a transaction amount, the designated automated teller machine for implementing the pre-staged cash withdrawal, and a designated time range for the pre-staged cash withdrawal;
detect a proximity notification in a form of a beacon identifier broadcast from an automated teller machine within the designated time range, the automated teller machine having a transaction card withdrawal limit;
transmit, in response to detecting the proximity notification within the designated time range, the beacon identifier, the customer token, and the device token to a bank computer system;
prompt, in response to detecting the proximity notification within the designated time range, a user of the mobile device to confirm that the automated teller machine should proceed with the pre-staged cash withdrawal;
in response to receiving an affirmative response from the user and based on detecting the proximity notification within the designated time range, transmit a signal to the automated teller machine to initiate the pre-staged cash withdrawal;
receive a request for authentication information regarding the user of the mobile device based on the transaction amount exceeding the transaction card withdrawal limit;
generate the authentication information, the authentication information including a code; and
provide the generated authentication information to the automated teller machine for authentication to, in turn, enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit based upon the generated authentication information,
wherein the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.

### Claim 8 (depends on 7)

The mobile device of claim 7, wherein the pre-staged cash withdrawal does not require a transaction card to be authenticated.

### Claim 9 (depends on 7)

The mobile device of claim 7, wherein the proximity notification is based on the mobile device being at or within a predefined distance of the automated teller machine.

### Claim 10

A non-transitory computer-readable medium for enabling cardless authentication at an automated teller machine comprising instructions stored thereon that when executed on a processor, perform the steps of:
storing, by a mobile banking application of a mobile device, a customer token and a device token, the customer token identifying a customer, the device token identifying the mobile device;
configuring, by the mobile banking application, a pre-staged cash withdrawal for implementation by a designated automated teller machine, wherein configuring the pre-staged cash withdrawal comprises:
providing, by the mobile banking application, a transaction amount, the designated automated teller machine for implementing the pre-staged cash withdrawal, and a designated time range for the pre-staged cash withdrawal;
detecting, by the mobile device, a proximity notification in a form of a beacon identifier broadcast from an automated teller machine within the designated time range, the automated teller machine having a transaction card withdrawal limit;
transmitting, by the mobile device in response to detecting the proximity notification within the designated time range, the beacon identifier, the customer token, and the device token to a bank computing system;
prompting, by the mobile device in response to detecting the proximity notification within the designated time range, a user of the mobile device to confirm that the automated teller machine should proceed with the pre-staged cash withdrawal;
in response to receiving an affirmative response from the user and based on the mobile device detecting the proximity notification within the designated time range, transmitting, by the mobile device, a signal to the automated teller machine to initiate the pre-staged cash withdrawal;
receiving a request for authentication information regarding the user of a mobile device based on the transaction amount exceeding the transaction card withdrawal limit;
generating, by the mobile device, the authentication information, the authentication information including a code; and
providing, by the mobile device, the generated authentication information to the automated teller machine for authentication to, in turn, enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit based upon the generated authentication information,
wherein the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.

### Claim 11 (depends on 1)

The method of claim 1, further comprising transmitting, by the mobile device, the beacon identifier back to the automated teller machine to alert the automated teller machine that the user is within proximity of the automated teller machine.

### Claim 12 (depends on 11)

The method of claim 11, wherein the mobile device receives the request for authentication information from the automated teller machine based on transmitting the beacon identifier back to the automated teller machine.

### Claim 13 (depends on 1)

The method of claim 1, wherein the increased cash withdrawal limit is dynamically determined at the automated teller machine based on a level of security determined to be in place for the mobile device.

### Claim 14 (depends on 1)

The method of claim 1, wherein the code is a machine-readable code.

### Claim 15 (depends on 7)

The mobile device of claim 7, wherein the code is a machine-readable code.

### Claim 16 (depends on 10)

The non-transitory computer readable medium of claim 10, wherein the code is a machine-readable code.