US 2025/0029457 A1 · DIGITAL INK AUTOMATED TELLER MACHINE

Abstract

Techniques are described for providing financial institution-specific branding and transactions based on a transaction request initiated by a user at a digital ink ATM and subsequent receipt of a cryptogram from the user's payment card at the digital ink ATM. An ATM server device receives the cryptogram from the digital ink ATM and, based on identifying information included in the cryptogram, determines the financial institution associated with the payment card. The ATM server device then communicates with a bank server device associated with the financial institution to authenticate the user. Upon authentication, the bank server sends a file containing branding information specific to the financial institution to the ATM server. The ATM server then sends instructions to the digital ink ATM displays, including a digital ink display, to display the branding information to the user. The bank server device then authorizes performance of the transaction at the digital ink ATM.

Claims20

Dependent claims

A system including a server device, the server device comprising:

a memory;
and
one or more processors in communication with the memory and configured to:
receive a cryptogram of a payment card of a user from an automated teller machine (ATM), wherein the ATM receives the cryptogram of the payment card when the payment card is read by the ATM;
identify, based on a unique identifier included in the cryptogram of the payment card, a financial institution associated with the payment card;
retrieve, based on the unique identifier, branding information specific to the financial institution;
and
transmit, to the ATM, instructions to display the branding information specific to the financial institution via a digital ink display component of the ATM.

5 more elements

A method comprising:

receiving, by a server device of a computing system, a cryptogram of a payment card of a user from an automated teller machine (ATM), wherein the ATM receives the cryptogram of the payment card when the payment card is read by the ATM;
identifying, by the server device and based on a unique identifier included in the cryptogram of the payment card, a financial institution associated with the payment card;
retrieving, by the server device and based on the unique identifier, branding information specific to the financial institution;
and
transmitting, by the server device and to the ATM, instructions to display the branding information specific to the financial institution via a digital ink display component of the ATM.

2 more elements

Dependencies are inferred from the claim text.

Digital ink automated teller machine

Life of this patent

Digital ink automated teller machine

Life of this patent

Abstract

Claims20