Using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM
AssigneeCapital One Services, LLC
InventorJeremy J. Phillips
Life of this patent
Estimating the term…
Abstract
Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine-readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine-readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.
Claims20
A method, comprising:
- receiving, by one or more computing devices, information of a prestaged transaction from a mobile application at a user equipment (UE) device;
- associating, by the one or more computing devices, the prestaged transaction with a device identifier of the UE device;
- associating, by the one or more computing devices, the prestaged transaction with a machine-readable image uniquely identifying the prestaged transaction;
- sending, by the one or more computing devices, the machine-readable image for display by the UE device;
- recording, by the one or more computing devices, information on the machine-readable image, the information comprising a time period for which the machine readable image is or was displayed on the UE device;
- receiving, by the one or more computing devices, a message from a kiosk, wherein the message comprises the machine-readable image as scanned by a camera on the kiosk from a display on the UE device, and a kiosk identifier for the kiosk;
- determining, by the one or more computing devices, the prestaged transaction based on the scanned machine-readable image in the message;
- determining, by the one or more computing devices, the kiosk based on the kiosk identifier in the message;
- verifying, by the one or more computing devices, that the scanned machine-readable image is valid based on the recorded time period;
- associating, by the one or more computing devices, the prestaged transaction with the kiosk;
- and
- based on the scanned machine-readable image being valid, sending, by the one or more computing devices, a command to the kiosk based on the kiosk identifier to execute the prestaged transaction.
A system, comprising:
- a memory for storing instructions;
- and
- one or more processors, communicatively coupled to the memory, configured to execute the instructions, the instructions causing the one or more processors to:
- receive information of a prestaged transaction from a mobile application at a user equipment (UE) device;
- associate the prestaged transaction with a machine-readable image uniquely identifying the prestaged transaction;
- send the machine-readable image for display by the UE device;
- store information on the machine-readable image, the information related to a time period for which the machine-readable image is valid;
- receive a message from a kiosk, wherein the message comprises the machine-readable image as scanned by a camera on the kiosk from a display on the UE device, and a kiosk identifier for the kiosk;
- determine the prestaged transaction based on the scanned machine-readable image in the message;
- determine the kiosk based on the kiosk identifier in the message;
- verify that the scanned machine-readable image is valid based on the stored information on the machine-readable image;
- associate the prestaged transaction with the kiosk;
- and
- based on the scanned machine-readable image being valid, send a command to the kiosk based on the kiosk identifier to execute the prestaged transaction.
A non-transitory, tangible computer-readable device having instructions stored therein that, when executed by at least one computing device, cause the at least one computing device to perform operations comprising:
- receiving information of a prestaged transaction from an application at user equipment (UE) device;
- associating the prestaged transaction with a machine-readable image uniquely identifying the prestaged transaction;
- sending the machine-readable image for display by the UE device;
- storing information on the machine-readable image, the information related to a time period for which the machine-readable image is valid;
- receiving a message from a kiosk, wherein the message comprises the machine-readable image as scanned by a camera on the kiosk from a display on the UE device, and a kiosk identifier for the kiosk;
- determining the prestaged transaction based on the scanned machine-readable image in the message;
- determining the kiosk based on the kiosk identifier in the message;
- verifying that the scanned machine-readable image is valid based on the stored information on the machine-readable image;
- associating the prestaged transaction with the kiosk;
- and
- based on the scanned machine-readable image being valid, sending a command to the kiosk based on the kiosk identifier to execute the prestaged transaction.
Dependencies are inferred from the claim text.