Capital One Services, LLC

Jamie Warder

Max Doerfler

Brian Deluca

William Anderson Hodges

Mohammed Zafar Iqbal

Anurag Joshi

William Grisaitis

Ken Allen

Kevin Rosengren

Mayank Pande

Harish Chavan

Richie Hollins

James Dillon

Robert Kania

In some embodiments, based on a wireless signal of a mobile device (e.g., obtained by a local device) the mobile device and a first authentication capability of the mobile device may be detected. Based on the detection of the mobile device, the mobile device may present access initiation options on a user interface of the mobile device. Based on a selection of a first option of the access initiation options via the user interface to initiate an access request for an access operation with the local device, an authentication request may be generated, where the authentication request is associated with the first authentication capability and with a first authentication tier. For example, the authentication request may be generated based on (i) the first authentication capability being detected as an authentication capability of the mobile device and (ii) the first authentication tier corresponding to an access amount of the access request.

Systems and methods for detected-capability-based authentication of a mobile device for performing an access operation with a local device

The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.

Systems and methods for transacting at an ATM using a mobile device

Embodiments include a database that maintains a respective status of mobile ATMs that indicates the location and cash available for withdrawal, a communication interface that receives a request for a mobile ATM from a user device, the request including user device location data, a location processor that compares the user device location data to location data of the mobile ATMs, and determines a first mobile ATM that is closest to the user device based on the user device location data, and a backend transaction processor that processes the transaction when confirmed. The communication interface transmits an alert that includes the request to the first mobile ATM, receives a response, transmits another alert that includes the location of the first mobile ATM and an estimated time that the first mobile ATM will arrive at the location associated to the user device, and receives confirmation from the first mobile ATM.

System and method for providing a portable ATM

Systems and methods include a database of a financial institution that maintains a respective status of a plurality of mobile automated teller machines (ATMs), the status of each of the plurality of mobile ATMs indicating the location of the respective mobile ATM and the amount of cash available for withdrawal from the mobile ATM, a communication interface that receives a request for a mobile ATM from a user device via a network, the request including user device location data, a location processor that compares the user device location data to location data associated with the plurality of mobile ATMs, and determines a first mobile ATM from the plurality of mobile ATMs that is closest to the user device based on the user device location data, and a transaction processor of a backend system of the financial institution that processes a transaction based on received confirmation.

System and method for providing a driverless portable ATM

The disclosed embodiments provide systems and methods for authenticating electronic transactions. A system for authenticating electronic transactions may include one or more memory devices storing instructions and one or more processors configured to receive transaction data associated with a transaction and further associated with a customer. The transaction data includes a customer identifier. The one or more processors may be configured to identify a customer account associated with the customer based on the customer identifier, and determine an authentication tier level associated with the transaction. The authentication tier level may reflect one or more levels of authentication required to authorize the transaction. The one or more processors may be configured to receive authentication data associated with a customer, and determine whether the authentication data satisfies the authentication tier level associated with the transaction and authorize the transaction when the authentication data satisfies the authentication tier level.

Systems and methods for authenticating electronic transactions

The disclosed technology includes a plurality of driverless mobile automated teller machines (ATMs), a communication interface configured to receive, from a user device, a request for a driverless mobile ATM to complete facilitate a transaction, a location processor configured to determine a first driverless mobile ATM of the plurality of driverless mobile ATMs that is closest to the user device, wherein the communication interface is further configured to transmit, to the first driverless mobile ATM, an alert including the request such that the first driverless mobile ATM can provide cash to a user associated with the user device or can receive cash or a check from the user, and a transaction processor of a backend system of the financial institution configured to process the transaction.

Growing community of inventors

Bethesda, MD, United States of America

Jamie Warder