US 12,236,428 B2
Systems and methods for performing ATM fund transfer using active authentication
Rudolph Christian Wolfs, Hockessin, DE (US); and David Aaron Pinski, Narberth, PA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 4, 2023, as Appl. No. 18/528,338.
Application 18/528,338 is a continuation of application No. 17/352,831, filed on Jun. 21, 2021, granted, now 11,836,724.
Application 17/352,831 is a continuation of application No. 16/145,929, filed on Sep. 28, 2018, granted, now 11,042,877, issued on Jun. 22, 2021.
Application 16/145,929 is a continuation of application No. 14/577,716, filed on Dec. 19, 2014, granted, now 10,108,959, issued on Oct. 23, 2018.
Application 14/577,716 is a continuation of application No. 13/117,516, filed on May 27, 2011, granted, now 10,453,062, issued on Oct. 22, 2019.
Application 14/577,716 is a continuation of application No. 13/101,759, filed on May 5, 2011, granted, now 10,089,612, issued on Oct. 2, 2018.
Application 14/577,716 is a continuation of application No. 13/085,754, filed on Apr. 13, 2011, granted, now 11,514,451, issued on Nov. 29, 2022.
Claims priority of provisional application 61/452,880, filed on Mar. 15, 2011.
Claims priority of provisional application 61/452,910, filed on Mar. 15, 2011.
Claims priority of provisional application 61/452,888, filed on Mar. 15, 2011.
Prior Publication US 2024/0193603 A1, Jun. 13, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/4012 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/385 (2013.01); G06Q 20/401 (2013.01); G06Q 20/425 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by one or more processors associated with a financial institution, a funds transfer request from a transferor device;
generating, by the one or more processors, a first code and a limited-use active authentication transaction key;
transmitting, by the one or more processors, a message comprising the first code to a transferee device;
receiving, by the one or more processors, a second code from the transferee device;
responsive to validating the second code, transmitting, by the one or more processors, the limited-use active authentication transaction key to the transferee device;
receiving, by the one or more processors, an authorization request for a funds transfer from a kiosk, the authorization request comprising a received limited-use active authentication transaction key from the transferee device; and
responsive to a portion of the received limited-use active authentication transaction key matching a portion of the limited-use active authentication transaction key, transmitting, by the one or more processors an authorization message to the kiosk authorizing dispersal of funds.