US 11,308,771 B2Granted

System and method for an automated teller machine to issue a secured bank card

AssigneeCapital One Services, LLC

InventorsAbdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards, Carrie Norman

Life of this patent

Estimating the term…

Loading patent…

Abstract

The present disclosure relates to systems and methods for an Automated Teller Machine to issue a secured bank card. An Automated Teller Machine to issue a secured bank card includes one or more memories storing instructions and one or more processors configured to execute instruction to perform operations. The operations include receiving a request for a secured bank card from a user, determining if the user is a current customer, obtaining bank card application information about the user, receiving additional information to confirm the identity of the user, determining if there are already existing accounts tied to the user, transmitting the bank card application information to a server associated with the card issuer, receiving card options the user is qualified for, presenting the card options and instructions to select a cash amount to be remitted, approving, upon receipt of the cash amount, issuance of the secured bank card, creating a unique account for the secured bank card, activating the secured bank card and associating it with the unique account, and dispensing the newly activated secured bank card.

Claims17

Dependent claims

An automated teller machine for issuing a secured bank card, comprising:

a user interface;
one or more components for customizing the secured bank card;
one or more memories storing instructions;
and
one or more processors configured to execute the instructions to perform operations comprising:
receiving, via the user interface, a request from a user for a secured bank card to be issued by a card issuer;
creating a temporary application account associated with the user and the request for a secured bank card;
determining, by accessing a server associated with the card issuer, whether the user previously submitted application information for a secured bank card;
based on a determination the user did not previously submit application information:
determining whether the user is a current customer of the card issuer;
and
obtaining bank card application information about the user;
receiving additional information to confirm the identity of the user;
determining, based on the identity of the user being confirmed, by accessing the server associated with the card issuer, whether existing accounts with the card issuer are tied to the user;
transmitting, when a number of existing accounts tied to the user is below a predetermined number, the obtained bank card application information about the user;
receiving, from the server associated with the card issuer, bank card options the user is approved for based on the bank card application information;
presenting, via the user interface, options for the user to identify an approved bank card to be issued;
approving, upon receipt of a cash amount for a selected option, issuance of the secured bank card;
converting the temporary application account into a unique account for the secured bank card;
presenting to the user, via the user interface, one or more options to customize the secured bank card;
activating, upon receipt of a selected customization option, the secured bank card and associating the activated bank card with the unique account;
customizing the activated bank card using the one or more components based on the selected customization option;
and
dispensing, based on a determination that banks cards are available in the Automated Teller Machine, the activated bank card to the user.

21 more elements

A method for issuing a secured bank card through an automated teller machine, comprising:

receiving, at the automated teller machine, a request from a user for a secured bank card to be issued by a card issuer;
creating a temporary application account associated with the user and the request for a secured bank card;
determining, by accessing a server associated with the card issuer, whether the user previously submitted application information for a secured bank card;
determining, based on a determination the user did not previously submit application information, whether the user is a current customer of the card issuer;
obtaining, based on a determination the user did not previously submit bank card application information and is not a current customer, bank card application information about the user;
receiving additional information to confirm the identity of the user;
determining, based on the identity of the user being confirmed, by accessing the server associated with the card issuer, whether existing accounts with the card issuer are tied to the user;
transmitting, when a number of existing accounts tied to the user is below a predetermined number, to the server associated with the card issuer, the obtained bank card application information about the user;
receiving, from the server associated with the card issuer, one or more options for a secured bank card the user is qualified for based on the bank card application information;
presenting to the user the one or more options for the user to select an approved secured bank card to be issued;
converting the temporary application account into a unique account for the secured bank card;
presenting to the user one or more options to customize the secured bank card;
activating, upon receipt of a selected customization option, the activated bank card and associating the activated bank card with the unique account
customizing the activated bank card based on the selected customization option;
and
dispensing, if banks cards are available in the Automated Teller Machine, the activated bank card to the user.

13 more elements

A non-transitory computer-readable medium containing program instructions which, when executed by one or more processors, cause the one or more processors to provide a system for issuing a secured bank card through an automated teller machine by performing operations comprising:

receiving a request from a user for a secured bank card to be issued by a card issuer;
creating a temporary application account associated with the user and the request for a secured bank card;
determining, by accessing a server associated with the card issuer, whether the user previously submitted application information for a secured bank card;
determining, based on a determination the user did not previously submit application information, whether the user is a current customer of the card issuer;
obtaining, based on a determination the user did not previously submit bank card application information and is not a current customer, bank card application information about the user;
receiving additional information to confirm the identity of the user;
determining, based on the identity of the user being confirmed, by accessing the server associated with the card issuer, whether existing accounts with the card issuer are tied to the user;
transmitting, when a number of existing accounts tied to the user is below a predetermined number, to the server associated with the card issuer, the obtained bank card application information about the user;
receiving, from the server associated with the card issuer, one or more options for a secured bank card the user is qualified for based on the bank card application information;
presenting to the user the one or more options for the user to select an approved secured bank card to be issued;
converting the temporary application account into a unique account for the secured bank card;
presenting to the user one or more options to customize the secured bank card;
activating, upon receipt of a selected customization option, the activated bank card and associating the activated bank card with the unique account;
customizing the activated bank card based on the selected customization option;
and
dispensing, if banks cards are available in the Automated Teller Machine, the activated bank card to the user.

13 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/059,941Filed 9 Aug 2018 · continuation
Priority: 3 Aug 2018
Published: US 2020/0043298 A16 Feb 2020
Granted: 19 Apr 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

G07F 19/203
Automatic teller machines [ATMs]: dispensing operations within ATMs
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/354
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: card activation or deactivation
G06Q 20/40145
Identity check for transactions: biometric identity checks

Family

Application16/054,597Parent of this continuation · filed 3 Aug 2018
US 2020/0043298 A1Pre-grant publication · published 6 Feb 2020
US 10,424,170 B1Parent of this continuation
US 11,308,771 B2This patent

From the US filing history. Foreign family members aren’t listed.

Timeline

Citations

Open elsewhere

Building an agent or pulling many patents? Use the API or MCP server instead of scraping pages. Get an API key