Secure Cardless Cash Withdrawal

Abstract

Methods, systems, and computer program products for secure cardless cash withdrawal are disclosed. For example, a computer-implemented method may include detecting presence of a user device at an automated teller machine (ATM) by one or more sensors, requesting an authorization indicator for a cash request in response to the detecting, receiving the authorization indicator associated with the cash request at the ATM where presentation of the authorization indicator at any one of a plurality of ATMs would authorize the cash request, and distributing funds associated with the cash request in response to receiving the authorization indicator.

What is claimed is: 
     
         1 . An automated teller machine (ATM), comprising:
 one or more sensor devices;   a non-transitory memory storing instructions; and   one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the ATM to perform operations comprising:
 detecting, by one or more of the sensor devices, presence of a user device at the ATM; 
 receiving an authorization indicator associated with a cash request from the user device at the ATM, wherein presentation of the authorization indicator at any one of a plurality of ATMs would authorize fulfillment of the cash request; and 
 in response to receiving the authorization indicator, distributing funds associated with the cash request by the ATM. 
   
     
     
         2 . The ATM of  claim 1 , wherein the authorization indicator is a one-time alphanumeric authorization code associated with the cash request. 
     
     
         3 . The ATM of  claim 1 , wherein the authorization indicator is a one-time machine-readable graphical code associated with the cash request. 
     
     
         4 . The ATM of  claim 1 , wherein the ATM further validates biometric information received in association with the cash request before distributing the funds associated with the cash request. 
     
     
         5 . The ATM of  claim 1 , wherein at least one of the sensor devices is a beacon device associated with a beacon network. 
     
     
         6 . The ATM of  claim 1 , wherein the operations further comprising:
 communicating, by the ATM, one or more instructions to the user device based on data received from one or more of the sensor devices detecting the user device.   
     
     
         7 . The ATM of  claim 1 , wherein the operations further comprising:
 validating, by the ATM, the authorization indicator received by the ATM, biometric information received by the ATM, and a location associated with the cash request prior to distributing the funds associated with the cash request.   
     
     
         8 . A computer-implemented method, comprising:
 requesting, by an automated teller machine (ATM), an authorization indicator for a cash request in response to detecting a user device by at least one sensor device associated with the ATM;   receiving, by the ATM, the authorization indicator for the cash request, wherein presentation of the authorization indicator at any one of a plurality of ATMs would authorize fulfillment of the cash request; and   in response to receiving the authorization indicator, distributing funds associated with the cash request by the ATM.   
     
     
         9 . The computer-implemented method of  claim 8 , wherein the authorization indicator is a one-time alphanumeric authorization code associated with the cash request. 
     
     
         10 . The computer-implemented method of  claim 8 , wherein the authorization indicator is a one-time machine-readable graphical code associated with the cash request. 
     
     
         11 . The computer-implemented method of  claim 8 , wherein the ATM further validates biometric information received in association with the cash request before distributing the funds associated with the cash request. 
     
     
         12 . The computer-implemented method of  claim 8 , wherein at least one of the sensor devices is a beacon device associated with a beacon network. 
     
     
         13 . The computer-implemented method of  claim 8 , further comprising:
 communicating, by the ATM, one or more instructions to the user device based on data received from the at least one sensor device detecting the user device.   
     
     
         14 . The computer-implemented method of  claim 8 , further comprising:
 validating, by the ATM, the authorization indicator received by the ATM, biometric information received by ATM, and a location associated with the cash request prior to distributing the funds associated with the cash request.   
     
     
         15 . A non-transitory computer-readable medium comprising computer-readable instructions which, when executed by a processor, cause the processor to perform operations comprising:
 requesting a one-time authorization indicator for a cash request when one or more sensor devices detect presence of a user device;   receiving the one-time authorization indicator for the cash request, wherein presentation of the one-time authorization indicator at any one of a plurality of automated teller machines (ATMs) would authorize fulfillment of the cash request; and   in response to receiving the one-time authorization indicator, distributing funds associated with the cash request.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the one-time authorization indicator is a one-time alphanumeric authorization code associated with the cash request. 
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , wherein the one-time authorization indicator is a one-time machine-readable graphic associated with the cash request. 
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the operations further comprise:
 validating biometric information received in association with the cash request before distributing the funds associated with the cash request.   
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , wherein the operations further comprise:
 communicating one or more instructions to the user device based on data received from one or more of the sensor devices detecting the user device.   
     
     
         20 . The non-transitory computer-readable medium of  claim 15 , wherein the operations further comprise:
 validating the one-time authorization indicator received for the cash request, biometric information received for the cash request, and a location associated with the cash request prior to distributing the funds associated with the cash request.