US2022156745A1PendingUtilityA1

Augmented reality security applications

Assignee: WELLS FARGO BANK NAPriority: Jan 10, 2014Filed: Feb 4, 2022Published: May 19, 2022
Est. expiryJan 10, 2034(~7.5 yrs left)· nominal 20-yr term from priority
G06V 20/20G02B 2027/0138G06T 11/00G06F 3/0482G06Q 20/1085G07F 19/202H04L 63/0861G06F 3/011G07F 19/203G02B 27/017G06Q 20/32G02B 2027/0141G06Q 20/40145H04L 63/102G06V 40/70G06T 11/60G06Q 20/4014
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Claims

Abstract

A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A method implemented on an augmented reality (AR) electronic device, the method comprising:
 at the AR electronic device, pre-authenticating a user of the AR electronic device to access an ATM;   at a user interface on the AR electronic device, after the user is pre-authenticated at the ATM, permitting initiation of a transaction to dispense cash at the ATM; and   when the AR electronic device is in close proximity to the ATM, enabling the ATM to dispense the cash to the user,   wherein personal and confidential information regarding the transaction are displayed on the AR electronic device, instead of the ATM.   
     
     
         2 . The method of  claim 1 , further comprising permitting the user to initiate the transaction at the ATM when the user is not in close proximity to the ATM. 
     
     
         3 . The method of  claim 2 , further comprising:
 establishing a wireless connection between the AR electronic device and the ATM; and   initiating the transaction at the ATM using the wireless connection.   
     
     
         4 . The method of  claim 1 , wherein after the transaction is initiated but before the transaction is processed, displaying a notification to the user on the user interface of the AR electronic device when a determination is made that the transaction will cause a budget item of the user to be exceeded. 
     
     
         5 . The method of  claim 4 , wherein, after the notification is displayed, requiring an affirmative response from the user to complete processing the transaction. 
     
     
         6 . The method of  claim 1 , further comprising:
 completing a cash transaction at the ATM; and   after the cash transaction is completed, displaying updated budgeting information to the user on the AR electronic device, the updated budgeting information taking into account the cash transaction.   
     
     
         7 . The method of  claim 1 , wherein the user interface on the AR electronic device provides a functionality of the ATM. 
     
     
         8 . The method of  claim 7 , wherein the user interface on the AR electronic device is personalized for the user to provide the user with an understanding of a budget for the user. 
     
     
         9 . The method of  claim 1 , further comprising displaying a notification on the AR electronic device that a bill is due to be paid and the user does not have enough funds in a financial account of the user to pay the bill. 
     
     
         10 . The method of  claim 1 , wherein the ATM does not have the user interface. 
     
     
         11 . An augmented reality (AR) electronic device comprising:
 a processing unit; and   system memory, the system memory including instructions which, when executed by the processing unit, cause the AR electronic device to:
 pre-authenticate a user of the AR electronic device to access an ATM; 
 at a user interface on the AR electronic device, after the user is pre-authenticated at the ATM, permit initiation of a transaction to dispense cash at the ATM; and 
 when the AR electronic device is in close proximity to the ATM, enable the ATM to dispense the cash to the user, 
 wherein personal and confidential information regarding the transaction are displayed on the AR electronic device, instead of the ATM. 
   
     
     
         12 . The AR electronic device of  claim 11 , wherein the instructions, when executed by the processing unit, further cause the AR electronic device to:
 permit the user to initiate the transaction at the ATM when the user is not in close proximity to the ATM.   
     
     
         13 . The AR electronic device of  claim 12 , wherein the instructions, when executed by the processing unit, further cause the AR electronic device to:
 establish a wireless connection between the AR electronic device and the ATM; and   initiate the transaction at the ATM using the wireless connection.   
     
     
         14 . The AR electronic device of  claim 11 , wherein after the transaction is initiated but before the transaction is processed, display a notification to the user on the user interface of the AR electronic device when a determination is made that the transaction will cause a budget item of the user to be exceeded. 
     
     
         15 . The AR electronic device of  claim 14 , wherein, after the notification is displayed, require an affirmative response from the user to complete processing the transaction. 
     
     
         16 . The AR electronic device of  claim 11 , wherein the instructions, when executed by the processing unit, further cause the AR electronic device to:
 complete a cash transaction at the ATM; and   after the cash transaction is completed, display updated budgeting information to the user on the AR electronic device, the updated budgeting information taking into account the cash transaction.   
     
     
         17 . The AR electronic device of  claim 11 , wherein the user interface on the AR electronic device provides a functionality of the ATM. 
     
     
         18 . The AR electronic device of  claim 17 , wherein the user interface on the AR electronic device is personalized for the user to provide the user with an understanding of a budget for the user. 
     
     
         19 . The AR electronic device of  claim 11 , wherein the instructions, when executed by the processing unit, further cause the AR electronic device to:
 display a notification on the AR electronic device that a bill is due to be paid and the user does not have enough funds in a financial account of the user to pay the bill.   
     
     
         20 . An augmented reality (AR) electronic device comprising:
 a processing unit; and   system memory, the system memory including instructions which, when executed by the processing unit, cause the AR electronic device to:
 establish a wireless connection between the AR electronic device and an automated teller machine (ATM); 
 while the wireless connection is established, pre-authenticate a user of the AR electronic device to access the ATM, the user being permitted to be pre-authenticated to access the ATM when the user is not close to the ATM; 
 after the user is pre-authenticated at the ATM, at a user interface of the AR electronic device, permit an initiation of a financial transaction for obtaining cash at the ATM, the user interface including functionality for using the ATM; 
 after the financial transaction is initiated, when a notification is received that the financial transaction can have a negative impact on a budget of the user, display on the user interface of the AR electronic device a message that an affirmative response is required of the user before the financial transaction can be completed; and 
 when the financial transaction is completed, when the AR electronic device is positioned close to the ATM, enable the ATM to dispense the cash to the user based on the financial transaction, 
 wherein details of the financial transaction are displayed on AR electronic device, instead of the ATM.

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