# US 8,751,397 B2 · Card-less financial transaction

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- Number: US 8,751,397 B2
- Document ID: US8751397B2
- Status: Granted
- Kind: B2
- Application number: 13/454,601
- Filed: 2012-04-24
- Published: 2012-09-06
- Granted: 2014-06-10
- Earliest claimed: 2008-09-18
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Glyn Stanley
- Inventors: Glyn Stanley
- Web page: https://patentgrep.com/patent/US8751397B2

## CPC

- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/18: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
- G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/03: Credit; Loans; Processing thereof
- G07F 19/20: {Automatic teller machines [ATMs]}
- 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
- 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})

## Abstract

Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented.

## Claims

### Claim 1

A system that facilitates a card-less financial transaction, comprising:
employing a processor that executes computer executable instructions stored on the memory to implement the following components:
an interface component that facilitates card-less input of a plurality of account credentials, wherein the interface is not an automated teller machine (ATM); and
an analysis component that evaluates a subset of the account credentials and at least one of approves or denies the card-less financial transaction, wherein the financial transaction is associated with a non-virtual account separate from a primary account, wherein the non-virtual account separate from the primary account is associated with the primary account, wherein funds are maintained in the non-virtual account separate from the primary account and designated for card-less access, and
wherein the financial transaction is a merchandise purchase.

### Claim 2 (depends on 1)

The system of claim 1, wherein a balance of the non-virtual account is replenished with an amount based upon the merchandise purchase.

### Claim 3 (depends on 1)

The system of claim 1, further comprising a retrieval component that captures the plurality of account credentials via verbal input from an account owner.

### Claim 4 (depends on 1)

The system of claim 1, further comprising an action component that triggers the card-less financial transaction based upon a successful validation of the subset of the plurality of account credentials.

### Claim 5 (depends on 1)

The system of claim 1, further comprising a validation component that facilitates confirmation of a subset of the plurality of account credentials.

### Claim 6 (depends on 1)

The system of claim 1, further comprising a challenge/response component that establishes an appropriate challenge based upon at least one of type of the financial action or amount of the financial action.

### Claim 7 (depends on 6)

The system of claim 6, further comprising a security question management component that maintains the appropriate challenge based upon the at least one of type of financial action or amount of the financial action.

### Claim 8 (depends on 6)

The system of claim 6, further comprising a security answer management component that maintains an answer to the appropriate challenge based upon a user preference.

### Claim 9 (depends on 6)

The system of claim 6, further comprising an account information management component that facilitates designation of funds in an ‘electronic wallet’ account, wherein the ‘electronic wallet’ account is accessible via the card-less financial transaction.

### Claim 10 (depends on 6)

The system of claim 6, further comprising a machine learning and reasoning component that employs at least one of a probabilistic or a statistical-based analysis to infer one or more verification rules based at least in part on one or more of a type or amount of the financial transaction, wherein the challenge/response component establishes the appropriate challenge based at least in part on the one or more verification rules.

### Claim 11 (depends on 1)

The system of claim 1, further comprising a machine learning and reasoning component that employs at least one of a probabilistic or a statistical-based analysis to infer a balance amount to hold within the non-virtual account.

### Claim 12

A computer-implemented method of card-less financial transaction, comprising:
employing a processor that executes computer readable instructions stored on a computer readable storage medium to implement the following acts:
evaluating a plurality of card-less account credentials based at least in part upon one of type or amount of the card-less financial transaction; and
at least one of permitting or denying the card-less transaction as a function of a result of the evaluation,
wherein the financial transaction is made with an ‘electronic wallet’ account separate from and associated with a primary account, and
wherein the financial transaction is a merchandise purchase transaction made from a non-automated teller machine (ATM).

### Claim 13 (depends on 12)

The computer implemented method of claim 12, further comprising receiving information related to the card-less financial transaction, wherein the financial transaction is a merchandise purchase from the primary account.

### Claim 14 (depends on 12)

The computer-implemented method of claim 12, further comprising:
accessing a rule based upon the card-less financial transaction;
presenting a security challenge based upon the rule;
receiving a response to the security challenge; and
evaluating the response, wherein the act of permitting or denying is based upon the evaluation.

### Claim 15 (depends on 14)

The method of claim 14, wherein the rule is based at least in part on one or more of the type or the amount of the financial transaction, and the rule is inferred based at least in part on at least one of a probabilistic or a statistical-based analysis.

### Claim 16 (depends on 12)

The method of claim 12, further comprising replenishing a balance of the ‘electronic wallet’ account with funds from the primary account based upon an amount of the merchandise purchase transaction.

### Claim 17

A computer-executable system, comprising:
employing a processor that executes computer executable instructions stored on a computer readable storage medium to implement the following means:
means for receiving card-less credentials;
means for evaluating a subset of the card-less credentials; and
means for granting or denying access to funds in a financial account via a kiosk interface based at least in part upon the evaluation, wherein the financial account is an ‘electronic wallet’ account separate from and associated with a primary account.

### Claim 18 (depends on 17)

The computer-executable system of claim 17, further comprising:
means for accepting and analyzing verbal instructions; and
means for converting the verbal instructions into the plurality of card-less credentials.

### Claim 19 (depends on 18)

The computer-executable system of claim 18, further comprising means for replenishing funds into the ‘electronic wallet’ account based upon an amount of the financial transaction.

### Claim 20 (depends on 17)

The computer-executable system of claim 17, further comprising means for replenishing funds into the ‘electronic wallet’ account based at least one of a probabilistic or a statistical-based analysis to infer a balance amount.