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

Claim 14:
15. A method of improving transaction processing efficiency of an Automated Teller Machine (“ATM”) positioned at a first location, the method comprising:
capturing, by a microprocessor of a smart card, at a second location, motion of a stylus applied to a first touch-sensitive surface of the smart card, wherein the motion corresponds to handwritten instructions of a user of the smart card, and wherein the smart card comprises the microprocessor, a non-transitory memory, a communication interface, a keypad, the first touch-sensitive surface and an EMV chip, with a built-in security protocol, that is in electronic communication with the communication interface and the microprocessor;
formulating, by the microprocessor, transaction instructions based on the captured motion in a format acceptable by the ATM;
encrypting, by the microprocessor, the transaction instructions;
at the second location, storing, by the microprocessor, the encrypted transaction instructions locally on the smart card;
calculating, by the microprocessor, a pre-determined time period based on a distance between the first location and the second location;
receiving, by the microprocessor, an authentication information entered on the keypad by the user;
encrypting, by the EMV chip, the authentication information;
storing, by the EMV chip, the authentication information on the EMV chip;
establishing, by the EMV chip through the communication interface, a secure communication link with the ATM with the pre-determined time period; and
initiating, by the microprocessor, a transaction at the ATM without receiving any input from the user at the ATM by:
receiving, by the microprocessor, a request for the authentication information from the ATM,
transferring, by the EMV chip, the authentication information to the ATM, and
transferring, by the microprocessor, the transaction instructions to the ATM.