Patent ID: 9691059
Date: 2017-06-27
CPC Classifications: G06Q,G07F

Claim:
1. A non-transitory computer-readable medium comprising computer-readable instructions for completing a transaction at an automatic teller machine that when executed perform steps, comprising: establishing a first communication path between a card and the automatic teller machine; establishing a second communication path between the card and a financial institution; establishing a third communication path between the automatic teller machine and the financial institution; authenticating a card with the automatic teller machine without a dedicated display using the first communication path; receiving transaction information for the transaction from the automatic teller machine using the first communication path, wherein the automatic teller machine is configured to send at least some of the transaction information to the financial institution using the third communication path; in response to receiving the transaction information, providing the transaction information to the financial institution via the second communication path; receiving an authorization code for the transaction from the financial institution via the second communication path, wherein the authorization code enables the card to complete the transaction using the first communication path; and in response to receiving the authorization code from the financial institution, completing the transaction at the automatic teller machine by sending the authorization code over the first communication path after receiving the authorization code; wherein the transaction is authorized using the second communication path between the card and a financial institution authorizes the transaction based on a predefined authorization and the transaction is authorized using the third communication path between the automatic teller machine and the financial institution based on an account balance.