公开(公告)号：US20220058906A1

公开(公告)日：2022-02-24

申请号：US16999973

申请日：2020-08-21

Applicant: BANK OF AMERICA CORPORATION

Inventor： Srinivas Dundigalla ,  Mohan Rao Balan ,  Pavan Kumar Chayanam ,  Varsha Devadas ,  Tony England ,  Hari Gopalkrishnan ,  Brandon Kozlowski ,  Kurt A. Loth ,  Navdeep Mahajan ,  Carl Parziale ,  Rupal V. Shah ,  Manoj Shankar ,  David Smiddy ,  Cory Scott Turco ,  Robert L. Wright, JR. ,  Xianhong Zhang ,  Pavan Singaraju

IPC: G07D11/60 ,  H04W4/80 ,  H04L29/08 ,  H04W12/06 ,  G06Q30/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/22 ,  G06K7/10 ,  G07D11/22

Abstract: Contactless dispensing of objects from object-dispensing machines. A digital token is wirelessly communicated to the machine via short-range wireless communication, such as Near Field Communication (NFC) or the like. In response, a push notification is communicated to the user's wireless device, which includes an activatable link for launching a mobile application. In response to launching the mobile application and authenticating the user, the mobile application provides object-dispensing machine-like user interfaces that are configured to allow the user to input object requesting parameters and submit a request for objects to be dispensed from the object-dispensing machine. The request is communicated to the object-dispensing machines (or corresponding backend processing systems) and, once the request is verified, the object-dispensing machine dispenses the requested objects.

公开(公告)号：US20200005263A1

公开(公告)日：2020-01-02

申请号：US16020019

申请日：2018-06-27

Applicant: Bank of America Corporation

Inventor： Ashish Arora ,  Nathan Dent ,  Michael Toth ,  Harold Joseph Kennedy ,  Elizabeth Anne Price ,  Pavan Singaraju ,  Magdy Ismail ,  Varsha Devadas

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM. After receipt of the confirmation, the ATM may prompt the user to enter an additional identifier. Upon confirmation of the additional identifier, the ATM may dispense a specified amount of currency.

公开(公告)号：US20200005262A1

公开(公告)日：2020-01-02

申请号：US16019864

申请日：2018-06-27

Applicant: Bank of America Corporation

Inventor： Ashish Arora ,  Nathan Dent ,  Michael Toth ,  Harold Joseph Kennedy ,  Elizabeth Anne Price ,  Pavan Singaraju ,  Magdy Ismail ,  Varsha Devadas

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM, an authentication server, and a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the user may log into the mobile device, which triggers the mobile device to send a geographic location to the authentication server. The authentication server then notifies the mobile device of a close ATM. In response, the mobile device may display a user interface screen to initiate a transaction. The ATM may be woken by the authorization server or a user input to complete the transaction causing the ATM to dispense the requested amount of currency.

公开(公告)号：US20200005261A1

公开(公告)日：2020-01-02

申请号：US16019771

申请日：2018-06-27

Applicant: Bank of America Corporation

Inventor： Ashish Arora ,  Nathan Dent ,  Michael Toth ,  Harold Joseph Kennedy ,  Elizabeth Anne Price ,  Pavan Singaraju ,  Magdy Ismail ,  Varsha Devadas

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

Abstract: A transaction access point computing system may include an automated teller machine (ATM) or other transaction access point and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM along with a unified user identifier. After confirmation of the additional identifier, the ATM may dispense a specified amount of currency.