US 11,379,839 B1Granted

Third party products and services via ATM

AssigneeWells Fargo Bank, N.A.

InventorAshish B. Kurani

Life of this patent

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Abstract

A computer system and a transaction machine, such as an automated teller machine (ATM), can provide any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine also provides the payor the ability to make a payment at the transaction machine using various modes of payment such as cash, credit card, or cryptocurrency. The transaction machine verifies that the payment matches the user selected amount, and sends a payment notification to the payor.

Claims19

Dependent claims

A method comprising:

generating, by a provider computing system associated with a transaction machine, a passcode unique to a request from a payor for a transaction to make a payment to a payee, wherein generating the passcode includes:
generating a number, wherein the number can be binary numbers, alphabets, other alpha-numeric characters or other numbers;
and
transforming the generated number into another number to use as the passcode;
transmitting, by the provider computing system, the generated passcode;
receiving, at the transaction machine via a payment user interface, a request from the payor for a transaction to make a payment to the payee;
providing, by the transaction machine, a passcode user interface that allows receipt of a passcode input;
receiving, by the transaction machine via the passcode user interface, the passcode input;
determining, by the transaction machine, that the passcode input is valid;
providing, by the transaction machine, responsive to determining that the passcode input is valid, an amount user interface that requests an amount associated with the request for the transaction;
receiving, by the transaction machine via the amount user interface, the amount associated with the request for the transaction;
providing, by the transaction machine subsequent to receiving the amount, a payment user interface configured to accept a payment;
and
receiving, by the transaction machine via the payment user interface, a payment.

11 more elements

A system comprising:

a provider computing system comprising one or more processors and computer readable storage medium storing instructions that when executed by one or more processors, cause the one or more processors to perform operations comprising:
generating a passcode unique to a request from a payor for a transaction to make a payment to a payee, wherein generating the passcode includes:
generating a number, wherein the number can be binary numbers, alphabets, other alpha-numeric characters or other numbers;
and
transforming the generated number into another number to use as the passcode;
and
transmitting the generated passcode;
and
a transaction machine associated with the provider computing system, the transaction machine comprising one or more processors and computer readable storage medium storing instructions that when executed by one or more processors, cause the one or more processors to perform operations comprising:
receiving, via a payment user interface, a request from the payor for a transaction to make a payment to the payee;
providing a passcode user interface that allows receipt of a passcode input;
receiving, via the passcode user interface, the passcode input;
determining that the passcode input is valid;
providing, responsive to determining that the passcode input is valid, an amount user interface that requests an amount associated with the request for the transaction;
receiving, via the amount user interface, the amount associated with the request for the transaction;
providing, subsequent to the receipt of the amount, a payment user interface configured to accept a payment;
and
receiving, via the payment user interface, a payment.

15 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/943,675Filed 30 Jul 2020 · continuation in part
Priority: 5 Jan 2018
Granted: 5 Jul 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/4012
Transaction verification: verifying personal identification numbers [PIN]
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/18
Payment architectures: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Family

Application62/614,283Us provisional application · filed 5 Jan 2018
Application62/672,971Substitution · filed 17 May 2018
Application16/239,332Parent of this continuation-in-part · filed 3 Jan 2019
Application62/798,362Us provisional application · filed 29 Jan 2019
Application62/881,055Us provisional application · filed 31 Jul 2019
Application16/706,157Parent of this continuation-in-part · filed 6 Dec 2019
Application16/239,332Substitution
US 11,270,277 B1Related patent
US 11,282,051 B1Related patent
US 11,379,839 B1This patent

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