Systems and methods for performing ATM fund transfer using active authentication
AssigneeIng Bank, Fsb (Dba Ing Direct)
InventorsRudolph Christian Wolfs, David Aaron Pinski
Life of this patent
Estimating the term…
Abstract
A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
Claims25
A method of performing a fund transfer at an ATM, comprising:
- receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol;
- generating a PIN at the ATM;
- storing the PIN in a machine readable storage medium;
- transmitting an authorization request message to a financial institution identified by the active authentication transaction key, the authorization request message including the PIN and at least a portion of the active authentication transaction key;
- receiving the PIN from a user of the mobile financial transaction instrument;
- and
- dispensing the funds in response to receiving the PIN.
A system, comprising:
- a module configured to wirelessly receive an active authorization transaction key from a mobile financial transaction instrument;
- a non-transient machine-readable storage medium configured to store a PIN generated by the system;
- and
- a processor coupled to the module and to the non-transient machine-readable storage medium, the processor configured to:
- cause an authorization message to be transmitted to a financial institution identified by the active authentication transaction key, the authorization message including the PIN and at least a portion of the active authentication transaction key, and
- cause funds to be dispensed in response to receiving the PIN from a user of the mobile financial transaction instrument.
A non-transient machine-readable storage medium encoded with program code, wherein when the program code is executed by a processor, the processor performs a method comprising the steps of:
- causing a PIN to be generated in response to wirelessly receiving an active authentication transaction key from a mobile financial transaction instrument;
- causing an authorization message to be transmitted to a financial institution identified by the active authentication transaction key, the authorization message including the PIN and at least a portion of the active authentication transaction key, and
- causing funds to be dispensed in response to receiving the PIN from a user of the mobile financial transaction instrument.
Dependencies are inferred from the claim text.