Kevin A Gilbert

US Patent:

20210319417, Oct 14, 2021

Filed:

Jun 22, 2021

Appl. No.:

17/354528

Inventors:

- Brookfield WI, US
Kevin Gilbert - Mukwonago WI, US

International Classification:

G06Q 20/10
G06Q 20/36
G07F 19/00
H04L 9/32
G06Q 40/02
G06Q 20/32
H04L 9/08

Abstract:

Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.

US Patent:

20210272079, Sep 2, 2021

Filed:

May 20, 2021

Appl. No.:

17/303103

Inventors:

- Brookfield WI, US
Kevin Gilbert - Mukwonago WI, US

International Classification:

G06Q 20/10
G06Q 20/40
G06Q 20/38

Abstract:

Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.

US Patent:

20190005474, Jan 3, 2019

Filed:

Jun 27, 2018

Appl. No.:

16/020714

Inventors:

- Brookfield WI, US
Kevin Gilbert - Mukwonago WI, US

International Classification:

G06Q 20/10
G06Q 20/36
G06Q 40/02
H04L 9/32
G07F 19/00

Abstract:

Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.

US Patent:

20160189123, Jun 30, 2016

Filed:

Dec 31, 2014

Appl. No.:

14/588201

Inventors:

- Brookfield WI, US
Kevin Gilbert - Mukwonago WI, US

International Classification:

G06Q 20/10

Abstract:

Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.

US Patent:

20150095239, Apr 2, 2015

Filed:

Sep 30, 2013

Appl. No.:

14/041126

Inventors:

- Brookfield WI, US
Kevin Gilbert - Mukwonago WI, US

Assignee:

FISERV , INC. - Brookfield WI

International Classification:

G06Q 20/38

US Classification:

705 72

Abstract:

Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.

US Patent:

20150095240, Apr 2, 2015

Filed:

Sep 30, 2013

Appl. No.:

14/041129

Inventors:

- Brookfield WI, US
Kevin Gilbert - Mukwonago WI, US

Assignee:

FISERV, INC. - Brookfield WI

International Classification:

G06Q 20/38
G06Q 20/10

US Classification:

705 72

Abstract:

Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.