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.