Capital One Services, LLC

Matthew B Konopa

Jeremy J Phillips

Saleem Ahmed Sangi

Brian J Oh

Danielle Simpson

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A user of a mobile app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where kiosk access is needed, receive instructions to visit a kiosk and scan the encoded identifier displayed by the kiosk. The scanned encoded identifier may be associated with the transaction, and the mobile app may transmit a request to complete the transaction at the kiosk.

ATM transactions using barcodes in multiple states

Disclosed herein are system, method, and computer program product embodiments for verification of proximity to a kiosk, such as an ATM. The mobile application installed on a mobile device may be used to setup a prestaged transaction. When the mobile device is in the proximity to the kiosk to complete the prestaged transaction, a location of the mobile device may be verified using ambient sound recorded by a microphone of the mobile device. The ambient sound may be songs, tones, or ultrasonic sound played by a sound system near the kiosk. The recorded ambient sound may then be compared to expected audio from the sound system to determine whether the mobile device is in proximity to the kiosk.

Audio-based security for automated teller machines

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless ATM transactions at an ATM using a barcode that encodes an identifier for that ATM. A user of a mobile banking app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where ATM access is needed (e.g., to withdraw physical cash), requests that the user visit an ATM to scan the barcode. When the mobile app scans the barcode, the ATM displaying the barcode is associated with the transaction, and completes the transaction (e.g., by dispensing cash). This barcode, while usable to identify the ATM for this purpose, also provides additional information that can be obtained by any barcode reader. This additional information may, for example, be a link to a website that provides an explanation about this service.

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Falls Church, VA, United States of America

Matthew B Konopa