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

Claim 8:
9. A system for improving transaction processing efficiency of an Automated Teller Machine (“ATM”) positioned at a first location, the system comprising:
a smart card having a thickness not greater than 0.8 millimeters (“mm”) and a surface area not greater than 86 mm×54 mm, wherein the smart comprises:
a communication interface comprising at least one electrical contact;
a microprocessor;
a keypad;
an EMV chip, in electronic communication with the communication interface and the microprocessor, wherein the EMV chip contains a built-in security protocol;
a user input system in electronic communication with the microprocessor, the user input system comprising:
a stylus;
a first touch-sensitive surface that captures motion of the stylus applied to the first touch-sensitive surface and corresponding to handwritten instructions of a user of the smart card;
an input controller that deciphers the handwritten instructions of the user and formulates transaction instructions based on the captured motion in a format acceptable by the ATM;
an encryption controller that encrypts the transaction instructions; and

executable instructions stored in a non-transitory memory, that when executed by the microprocessor:
at a second location, store the transaction instructions locally on the smart card;
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 secure communication link with the ATM within the pre-determined time period; and
initiate a transaction at the ATM without the ATM prompting for any inputs 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.