US 12,271,875 B2
Banking at a multi-level ATM
Arjun Thimmareddy, Charlotte, NC (US); Bryan T. King, Charlotte, NC (US); Alexander S. Lee, Jacksonville, FL (US); Vaishnavi Varma, New York, NY (US); Tony Aidoo, Aubrey, TX (US); Paula M. Booze, Charlotte, NC (US); Ramesh B. Chandanala, Charlotte, NC (US); William R. Conrad, New Castle, DE (US); Juliet Abdul-Aziz, Chester (GB); and Gerard P. Gay, Seattle, WA (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Mar. 1, 2024, as Appl. No. 18/592,617.
Application 18/592,617 is a division of application No. 17/965,111, filed on Oct. 13, 2022, granted, now 11,948,136.
Prior Publication US 2024/0202689 A1, Jun. 20, 2024
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G07F 19/00 (2006.01)
CPC G06Q 20/1085 (2013.01) [G06Q 20/3278 (2013.01); G06Q 20/4014 (2013.01); G07F 19/211 (2013.01)] 7 Claims
OG exemplary drawing
 
1. A method for enabling a banking transaction to be conducted at an automated teller machine (ATM) using a mobile device for user interaction with the ATM, the method comprising:
automatically detecting, using short range wireless communication, a presence of a user mobile device of a user in a vicinity of the ATM that has disposed thereon multiple vertical levels;
wherein each of at least two of the multiple vertical levels includes a deposit slot or wherein each of the at least two of the multiple vertical levels includes a withdrawal tray;
transmitting a signal to the mobile device to prompt the user to interact with the mobile device to select an option presented on the mobile device to access a plurality of banking services offered at the ATM;
verifying that the user has permission to access the banking services offered at the ATM based on user identification information submitted via the mobile device;
after verification of the user identification information, enabling the user to access the banking services at the ATM by interacting with the mobile device and to view on the mobile device account-related information;
enabling the user to elect, via the mobile device, to perform a deposit of currency or one or more checks at one of the deposit slots or a withdrawal of currency at one of the withdrawal trays at the ATM; and
in response to user interaction with the mobile device, accepting the deposit or dispensing the withdrawal at the ATM, wherein the deposit is accepted or the withdrawal is dispensed at a user-selected or ATM-selected one of the multiple vertical levels.