# US 11,308,771 B2 · System and method for an automated teller machine to issue a secured bank card > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,308,771 B2 - Document ID: US11308771B2 - Status: Granted - Kind: B2 - Application number: 16/059,941 - Filed: 2018-08-09 - Published: 2020-02-06 - Granted: 2022-04-19 - Earliest claimed: 2018-08-03 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Abdelkader M'Hamed Benkreira; Michael Mossoba; Joshua Edwards; Carrie Norman - Web page: https://patentgrep.com/patent/US11308771B2 ## CPC - G07F 19/203: {Dispensing operations within ATMs (dispensing in general G07D11/00)} - G06Q 20/1085: {involving automatic teller machines [ATMs]} - G06Q 20/354: {Card activation or deactivation} - G06Q 20/40145: {Biometric identity checks} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G07F 17/42: for ticket printing or like apparatus {, e.g. apparatus for dispensing of printed paper tickets or payment cards} - G07F 19/202: {Depositing operations within ATMs (depositing in general G07D11/00)} - G07F 19/204: {Loading of a stored value token using an ATM} - G07F 19/206: {Software aspects at ATMs} - 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}) - 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 ## 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. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The automated teller machine of claim 1, wherein the temporary application account is active for a predetermined period of time. ### Claim 3 (depends on 1) The automated teller machine of claim 1, wherein the temporary application account may be accessed through a user interface of a user device of the user. ### Claim 4 (depends on 1) The automated teller machine of claim 1, wherein the one or more components comprise at least one of an embosser or laser marker. ### Claim 5 (depends on 1) The automated teller machine of claim 1, additional information to identify the user comprises biometric information. ### Claim 6 (depends on 5) The automated teller machine of claim 5, wherein the operations further comprise tracking a number of bank cards available in the automated teller machine. ### Claim 7 (depends on 6) The automated teller machine of claim 6, wherein the operations further comprise, when no bank cards are available, providing, via the user interface, the locations of automated teller machines with bank cards available. ### Claim 8 (depends on 1) The automated teller machine of claim 1, wherein the operations further comprise notifying the card issuer when a number of available bank cards reaches a predetermined number. ### Claim 9 (depends on 1) The automated teller machine of claim 1, wherein the operations further comprise disabling the operation of receiving a request from a user for a secured bank card when no bank cards are available. ### Claim 10 (depends on 1) The automated teller machine of claim 1, wherein when the cash amount is received via cash deposit, and the operations further comprise: scanning each currency bill deposited; determining whether each deposited currency bill has been involved in an illegal activity; and generating, based on a determination that one or more of the deposited currency bills have been involved in illegal activity, to the server associated with the card issuer, a report that the cash deposit associated with illegal activity. ### Claim 11 (depends on 1) The automated teller machine of claim 1, wherein the cash amount is received via money transfer, and the operations further comprise: notifying the user, via the user interface, when the money transfer has been successfully transacted; and providing to the user, via the user interface, a location to receive the activated bank card. ### Claim 12 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. ### Claim 13 (depends on 12) The method of claim 12, wherein the temporary application account is active for a predetermined period of time. ### Claim 14 (depends on 12) The method of claim 12, wherein the temporary application account may be accessed through a user interface of a user device of the user. ### Claim 15 (depends on 12) The method of claim 12, further comprising notifying the card issuer when the available bank cards reach a predetermined number. ### Claim 16 (depends on 12) The method of claim 12, wherein the additional information to identify the user comprises biometric information. ### Claim 17 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.