Systems and methods for performing ATM fund transfer using active authentication
US12236428B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 4, 2023 |
| Grant date | Feb 25, 2025 |
| Priority date | — |
| Expiry date | Dec 4, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F19/203
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.