US 11,853,998 B2
Personalized QR codes for ATM authentication
Jeremy J. Phillips, Brooklyn, NY (US); and Ashay Sheth, New York, NY (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Appl. No. 17/926,380
Filed by Capital One Services, LLC, McLean, VA (US)
PCT Filed Apr. 14, 2021, PCT No. PCT/US2021/027247
§ 371(c)(1), (2) Date Nov. 18, 2022,
PCT Pub. No. WO2021/236261, PCT Pub. Date Nov. 25, 2021.
Application 17/926,380 is a continuation of application No. 16/878,357, filed on May 19, 2020, granted, now 10,997,581, issued on May 4, 2021.
Prior Publication US 2023/0186277 A1, Jun. 15, 2023
Int. Cl. G06Q 20/32 (2012.01); G07F 19/00 (2006.01); G06Q 20/10 (2012.01)
CPC G06Q 20/3276 (2013.01) [G06Q 20/1085 (2013.01); G07F 19/204 (2013.01); G07F 19/207 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by one or more computer devices, a request to complete a transaction from a mobile application on a user device;
pairing, by the one or more computer devices, the transaction with an Automated Teller Machine (ATM) based on an identifier unique to a user;
retrieving, by the one or more computer devices, information unique to the user based on the identifier unique to the user;
generating, by the one or more computer devices, a personalized barcode based on the information unique to the user;
retrieving, by the one or more computer devices, a rule for presenting the personalized barcode, the rule comprising at least one of: i) when the personalized barcode should be presented, ii) how long the personalized barcode is to be presented, or iii) how the personalized barcode should move when presented on the ATM;
detecting, by the one or more computer devices, when the user device is within a predetermined distance from the ATM; and
presenting, by the one or more computer devices, the personalized barcode to the user at the ATM based on the user device being within the predetermined distance.