Patent ID: 11928653
Assignee: BANK OF AMERICA CORPORATION
Field: Computer technology (Electrical engineering)
Classification: CPC G  Y | IPC G

Claim 0:
1. A smart card that improves transaction processing efficiency of an Automated Teller Machine (“ATM”) positioned at a first location, the smart card comprising:
a communication interface;
a housing;
a keypad;
a microprocessor embedded in the housing;
a battery for powering the communication interface and the microprocessor;
a stylus configured to be seated within, and removable from, the housing;
a touch-sensitive surface that captures motion of the stylus against the touch-sensitive surface provided by a user of the smart card;
an EMV chip, located within the housing and in electronic communication with the communication interface and the microprocessor, wherein the EMV chip contains a built-in security protocol; and
executable instructions stored in a non-transitory memory, that when executed by the microprocessor:
at a second location, save the captured motion of the stylus locally on the smart card;
translate the captured motion into transaction instructions in a format acceptable by the ATM;
encrypt the transaction instructions;
calculate a pre-determined time period based on a distance between the first location and the second location;
receive an authentication information entered on the keypad by the user;
encrypt, by the EMV chip, the authentication information;
store, by the EMV chip, the authentication information on the EMV chip;
establish, by the EMV chip through the communication interface, a contact based wired communication channel with the ATM within the pre-determined time period; and
initiate a transaction at the ATM without requiring any input from the user at the ATM by,
receiving a request for the authentication information from the ATM,
transferring the authentication information to the ATM, and
transferring the transaction instructions to the ATM.