Dynamic QR Code ATM Transactions Without Physical Cards

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Solution Overview

Problem

Individuals without a bank-issued ATM/Debit/Credit card cannot perform transactions such as withdrawing or depositing cash at an ATM, posing a challenge for runners or others who need to deposit cash on behalf of an employer.

Innovation Solution

A mobile application allows authorized users to prestage transactions, which are then authenticated using login credentials, biometrics, or two-factor authentication, and completed at an ATM using a dynamic QR code without the need for a physical card, by generating a machine-readable image that uniquely identifies the transaction and is periodically refreshed to prevent fraud.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If a physical ATM card is required for transactions, then transaction security is maintained, but accessibility and convenience are reduced for users without cards

Engineering Contradiction:

ImproveTransaction accessibilityVSAvoidTransaction security

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent replaces the physical ATM card with a digital copy in the form of a QR code displayed on a mobile device screen. This digital copy contains the necessary transaction information and can be scanned by the ATM, eliminating the need for a physical card while maintaining transaction functionality

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The mobile device acts as an intermediary between the user and the ATM system. It hosts a QR code that mediates the authentication and transaction process, allowing the ATM to verify user identity and authorize transactions without direct physical card insertion

Inventive Principle:

Principle #24Intermediary (Mediator)

2Device complexity

If a static QR code is used for transactions, then implementation simplicity is achieved, but security is compromised due to potential fraud and replay attacks

Engineering Contradiction:

ImproveSystem simplicityVSAvoidTransaction security

Core Design Contradiction:

Device complexityVSReliability

Solution Approach 1:

The QR code transitions from a static image to a dynamic, time-sensitive element. The code changes periodically or upon each transaction attempt, ensuring that even if captured, it cannot be reused. This dynamic nature maintains security while keeping the implementation relatively simple

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The QR code is regenerated at periodic intervals during the transaction process. This periodic renewal ensures that the code remains valid only for its specific time window, preventing replay attacks while maintaining a straightforward implementation approach

Inventive Principle:

Principle #19Periodic action

Data Source

PatentUS20250299171A1Using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM

Publication Date: 2025.09.25 CAPITAL ONE SERVICES LLC

AI summary

Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine-readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine-readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.