18455901. INTERACTING WITH AN AUTOMATED TELLER MACHINE USING A USER DEVICE simplified abstract (Capital One Services, LLC)

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INTERACTING WITH AN AUTOMATED TELLER MACHINE USING A USER DEVICE

Organization Name

Capital One Services, LLC

Inventor(s)

Michael Mossoba of Great Falls VA (US)

Abdelkadar M’Hamed Benkreira of Washington DC (US)

Joshua Edwards of Philadelphia PA (US)

INTERACTING WITH AN AUTOMATED TELLER MACHINE USING A USER DEVICE - A simplified explanation of the abstract

This abstract first appeared for US patent application 18455901 titled 'INTERACTING WITH AN AUTOMATED TELLER MACHINE USING A USER DEVICE

Simplified Explanation

The patent application describes a device that can be used to conduct ATM transactions. Here are the key points:

  • The device prompts the user to input their authentication credentials and select the type of ATM transaction they want to perform.
  • It detects the user's input and receives a request from the ATM device to establish a communication session.
  • The device can be coupled with the ATM device using a sync button.
  • Once coupled, the device provides the user's authentication credentials and transaction data to the ATM device, enabling it to perform the requested transaction.
  • The device also displays information about the ATM transaction to the user.

Potential applications of this technology:

  • This technology can be used in mobile banking applications, allowing users to perform ATM transactions using their smartphones or other portable devices.
  • It can also be integrated into banking kiosks or self-service terminals, providing a more convenient and user-friendly experience for customers.

Problems solved by this technology:

  • This technology eliminates the need for physical ATM cards, as users can authenticate themselves and perform transactions using their mobile devices.
  • It simplifies the ATM transaction process by allowing users to input their authentication credentials and transaction details on their own devices, instead of using the ATM's interface.

Benefits of this technology:

  • Enhanced convenience for users, as they can perform ATM transactions using their own devices without the need for physical cards.
  • Improved security, as the user's authentication credentials are entered on their own device, reducing the risk of card skimming or other fraudulent activities.
  • A more user-friendly and intuitive interface, as users can input their transaction details on their own devices, which they are already familiar with.


Original Abstract Submitted

A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.

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