The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 18, 2025
Filed:
Apr. 29, 2022
Bank of America Corporation, Charlotte, NC (US);
Vijay Kumar Yarabolu, Telangana, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Computer-implemented multi-device and multi-channel processes and machines authenticate ATM transactions by independently generating authentication hashes based on authorization arrays of varying length in which array cells have been wiped out based on a one time passcode sent by a server to a user's smart electronic device and then entered via that channel into the ATM either automatically or manually. The arrays are salted based on characteristics of the user's smart electronic device or the like. If the authentication hashes independently generated by the ATM and the server match, the ATM transaction is authorized.