Bank of America Corporation
Frictionless Automated Teller Machine

Abstract:

A transaction access point computing system may include an automated teller machine (ATM) or other transaction access point and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM along with a unified user identifier. After confirmation of the additional identifier, the ATM may dispense a specified amount of currency.