Company Filing History:
Years Active: 2022-2025
Title: Innovations by Roger Baclig in Cardless ATM Authentication
Introduction
Roger Baclig is an accomplished inventor based in Daly City, California. He has made significant contributions to the field of banking technology, particularly in the area of automated teller machines (ATMs). With a total of three patents to his name, Baclig's work focuses on enhancing user experience and security in financial transactions.
Latest Patents
One of Baclig's latest patents is centered around cardless ATM authentication. This innovative system and method allow users to authenticate themselves at an ATM without the need for a physical card. The process begins with a mobile device detecting a proximity notification from an ATM, which includes an identifier. The user then transmits this identifier, along with a customer token and a device token, to a bank computer system. This initiates a pre-staged cash withdrawal, allowing the user to access funds with an increased withdrawal limit, surpassing the standard transaction card limit. This method not only streamlines the withdrawal process but also enhances security by utilizing mobile device authentication.
Career Highlights
Roger Baclig is currently employed at Wells Fargo Bank, N.A., where he continues to innovate in the banking sector. His work has been instrumental in developing systems that improve the efficiency and security of ATM transactions. Baclig's expertise in technology and finance has positioned him as a key player in the evolution of banking services.
Collaborations
Throughout his career, Baclig has collaborated with notable colleagues, including Michael R. Thomas and Armin Ajami. These partnerships have fostered a creative environment that encourages the development of groundbreaking financial technologies.
Conclusion
Roger Baclig's contributions to cardless ATM authentication represent a significant advancement in banking technology. His innovative approach not only enhances user convenience but also prioritizes security in financial transactions. Baclig's work continues to shape the future of banking, making it more accessible and secure for users.
Inventor’s Patent Attorneys refers to legal professionals with specialized expertise in representing inventors throughout the patent process. These attorneys assist inventors in navigating the complexities of patent law, including filing patent applications, conducting patent searches, and protecting intellectual property rights. They play a crucial role in helping inventors secure patents for their innovative creations.