20240054490. COMPUTER-BASED SYSTEMS CONFIGURED TO PROVIDE MULTIMODAL ATM ACCESS VIA MOBILE DEVICES AND METHODS OF USE THEREOF simplified abstract (Capital One Services, LLC)

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COMPUTER-BASED SYSTEMS CONFIGURED TO PROVIDE MULTIMODAL ATM ACCESS VIA MOBILE DEVICES AND METHODS OF USE THEREOF

Organization Name

Capital One Services, LLC

Inventor(s)

Elisa-Michelle Rodriguez of Vienna VA (US)

Kevin Osborn of Newton Highlands MA (US)

Latika Gulati of Annandale VA (US)

COMPUTER-BASED SYSTEMS CONFIGURED TO PROVIDE MULTIMODAL ATM ACCESS VIA MOBILE DEVICES AND METHODS OF USE THEREOF - A simplified explanation of the abstract

This abstract first appeared for US patent application 20240054490 titled 'COMPUTER-BASED SYSTEMS CONFIGURED TO PROVIDE MULTIMODAL ATM ACCESS VIA MOBILE DEVICES AND METHODS OF USE THEREOF

Simplified Explanation

The abstract describes a patent application for systems and methods of providing multimodal ATM accessibility. The innovation involves using a wireless device, such as a smartphone, to access an ATM. Here are the bullet points explaining the patent:

  • The system detects the presence of a user's wireless device near the ATM.
  • A communication session is established between the ATM and the wireless device using a session key.
  • An app on the wireless device provides a first graphical user interface (GUI) to the user.
  • The user is authenticated for access to their account on the wireless device using account login information.
  • Upon successful authentication, an ATM transaction session is initiated by providing a second GUI through the app on the wireless device.
  • The second GUI includes GUI elements that allow the user to perform ATM transactions with their account on the wireless device.

Potential applications of this technology:

  • Enhanced accessibility: This technology allows users to access ATMs using their own wireless devices, making it more convenient for individuals with disabilities or mobility limitations.
  • Improved security: By using a wireless device for authentication and transaction sessions, the system can provide additional layers of security, such as biometric authentication or two-factor authentication.
  • Personalized user experience: The app on the wireless device can provide a customized GUI based on the user's preferences and transaction history, enhancing the overall user experience.

Problems solved by this technology:

  • Limited accessibility: Traditional ATMs may not be easily accessible for individuals with disabilities or those who have difficulty using physical interfaces. This technology provides an alternative method for accessing ATMs.
  • Security concerns: Traditional ATM transactions may be susceptible to card skimming or other fraudulent activities. By using a wireless device for authentication and transactions, the system can mitigate these risks.

Benefits of this technology:

  • Convenience: Users can access ATMs using their own wireless devices, eliminating the need to carry physical cards or remember PINs.
  • Enhanced security: The use of wireless devices for authentication and transactions adds an extra layer of security to ATM transactions.
  • Personalization: The app on the wireless device can provide a personalized user experience, making ATM transactions more intuitive and tailored to the user's preferences.


Original Abstract Submitted

systems and methods of providing multimodal atm accessibility are disclosed. in one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the atm; establishing a communication session between the atm and the wireless device based on a session key; instructing an app to provide a first graphical user interface (gui) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an atm transaction session for the user by instructing the app to provide a second gui to the user at the wireless device, the second gui comprising one or more gui elements operable by the user to perform one or more atm transactions with the user account at the wireless device.

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