Contactless automated teller machine

摘要

In general, apparatuses, methods and computer program products for receiving a contactless transmission from an external apparatus to an automated teller machine (ATM) are disclosed. An ATM machine is provided that has been equipped with a contactless interface for interacting with an external apparatus such as a debit/credit card, mobile device, and/or contactless transmission equipped stickers.

主权项

1. A contactless automated teller machine (ATM) comprising:
at least one user interface; at least one memory device; at least one communication interface comprising a contactless interface; and at least one processing device operatively coupled to the user interface, the at least one memory device, and the at least one communication interface, wherein the at least one processing device comprises circuitry specific to an automated teller machine (ATM) and is configured to execute computer-readable program code to:
identify a communication sticker associated with a user, wherein the communication sticker is affixed to an external apparatus associated with the user;establish a connection between the contactless ATM and the external apparatus, wherein the connection is established without contact, wherein the connection allows for real-time information transferring without the use of a carrier network associated with the external apparatus or ATM and, wherein the external apparatus is a mobile device;receive a contactless transmission directly from the communication sticker affixed to the external apparatus comprising authentication information, wherein the user associated with the external apparatus inputted the authentication information into the external apparatus prior to transmission;authenticate the user associated with the external apparatus with a two-factor authentication, wherein the authentication is based on the authentication information that was inputted into the external apparatus by the user and directly transmitted to the contactless ATM by the communication sticker affixed to the external apparatus and an identification of the external apparatus as associated with the user, based on a recognition of the communication sticker affixed to the external apparatus;create a secure two-way communication between the contactless ATM and the external apparatus, wherein the two-way communication is a communication between the contactless ATM and the communication sticker affixed to the external apparatus, wherein the communication sticker affixed to the external apparatus provides the communication to the external apparatus;receive financial transaction instructions from an authenticated user associated with the external apparatus via the secure connection between the contactless ATM and the communication sticker affixed to the external apparatus, wherein financial transactions include withdrawing, depositing, or transferring funds and ordering financial institution products; andsend information associated with the financial transaction instructions from the contactless ATM to the authenticated user via the external apparatus using the secure connection between the contactless ATM and the communication sticker affixed to the external apparatus.