US 12,243,043 B1
Cardless ATM authentication
Michael R. Thomas, San Francisco, CA (US); Armin Ajami, San Francisco, CA (US); Roger Baclig, Daly City, CA (US); Jeffrey Cornman, San Francisco, CA (US); and Darrell Suen, San Ramon, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Apr. 18, 2022, as Appl. No. 17/722,597.
Application 17/722,597 is a continuation of application No. 15/395,072, filed on Dec. 30, 2016, granted, now 11,308,481.
Application 15/395,072 is a continuation of application No. 14/842,292, filed on Sep. 1, 2015, granted, now 11,461,747.
Claims priority of provisional application 62/044,699, filed on Sep. 2, 2014.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3278 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/40145 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method comprising:
downloading, by a mobile device of a customer, at least one security feature;
receiving, by the mobile device, a customer token and a device token generated by a bank computer system as part of installing a mobile banking application on the mobile device, the customer token identifying the customer, the device token identifying the mobile device;
storing, by the mobile device, the customer token and the device token within a mobile banking application;
subsequent to storing the customer token and the device token, detecting, by the mobile device, a proximity notification including an identifier broadcast from an automated teller machine within a designated time range, the automated teller machine having a transaction card withdrawal limit, the proximity notification providing an indication to the mobile device that the mobile device has entered an area proximate the automated teller machine where cardless authentication using the mobile device may be performed;
authenticating, by security control logic of the mobile device, the customer using the at least one security feature;
subsequent to authenticating the customer, transmitting, by the mobile device in response to detecting the proximity notification within the designated time range, the identifier, the customer token, and the device token to the bank computer system;
subsequent to authenticating the customer, prompting, by the mobile device in response to detecting the proximity notification within the designated time range, a user of the mobile device to confirm that the automated teller machine should proceed with a pre-staged cash withdrawal;
transmitting, by the mobile device in response to receiving an affirmative response from the user and based on the mobile device detecting the proximity notification within the designated time range, a signal to the automated teller machine to initiate the pre-staged cash withdrawal;
receiving, by the mobile device, a request for authentication information regarding the user of the mobile device based on a transaction amount exceeding the transaction card withdrawal limit;
generating, by the mobile device, the authentication information, the authentication information including a code;
providing, by the mobile device, the generated authentication information to the automated teller machine for authentication; and
causing, by the mobile device, the automated teller machine to perform the pre-staged cash withdrawal with an increased cash withdrawal limit based upon the generated authentication information and authenticating the customer using the at least one security feature,
wherein the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.