Invention Grant
- Patent Title: Processing cardless transactions at automated teller devices
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Application No.: US14728403Application Date: 2015-06-02
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Publication No.: US10013684B2Publication Date: 2018-07-03
- Inventor: Andrew T. Keys , Raghav Shenoy
- Applicant: Bank of America Corporation
- Applicant Address: US NC Charlotte
- Assignee: Bank of America Corporation
- Current Assignee: Bank of America Corporation
- Current Assignee Address: US NC Charlotte
- Agency: Banner & Witcoff, Ltd.
- Agent Michael A. Springs
- Main IPC: G06Q40/00
- IPC: G06Q40/00 ; G06Q20/10 ; G06Q20/32 ; G06Q20/38

Abstract:
Methods, systems, and computer-readable media for processing cardless transactions at automated teller devices are presented. In some embodiments, a computer system may receive, from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution. Subsequently, the computer system may validate the login input. If the login input is valid, the computer system may generate a one-time passcode. Then, the computer system may send, to a customer mobile device associated with the customer, the one-time passcode. Thereafter, the computer system may receive, from the automated teller device, passcode input. Subsequently, the computer system may validate the passcode input. If the passcode input is valid, the computer system may generate a customer authentication message. Then, the computer system may send, to the automated teller device, the customer authentication message.
Public/Granted literature
- US20160358139A1 Processing Cardless Transactions at Automated Teller Devices Public/Granted day:2016-12-08
Information query