Cardless ATM authentication
Number of patents in Portfolio can not be more than 2000
United States of America
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Mar 4, 2025
Grant Date -
N/A
app pub date -
Apr 18, 2022
filing date -
Apr 18, 2022
priority date (Note) -
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Abstract
Systems and methods for cardless authentication of a user at an automated teller machine are described. A method includes detecting, by a mobile device of a customer, a proximity notification including an identifier broadcast from an automated teller machine within a designated time range, the automated teller machine having a transaction card withdrawal limit; transmitting the identifier, a customer token, and a device token to a bank computer system; transmitting a signal to the automated teller machine to initiate the pre-staged cash withdrawal; and providing authentication information to the automated teller machine for authentication to enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit, where the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.
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