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Dynamic Triggering Simulated Errors ATMs

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Summary

The USPTO granted Kyndryl Inc. Patent No. US12597322B1 for a method of dynamic triggering of simulated errors in automated teller machines. The invention allows users to register false PINs that, when entered, cause the ATM to display a simulated error rather than completing the transaction, providing a covert rejection mechanism against unauthorized access attempts.

What changed

The USPTO formally granted Kyndryl Inc. Patent US12597322B1, covering a method where users can associate one or more false personal identification numbers (PINs) with their account in addition to their true PIN. When a transaction is initiated at an ATM and the entered PIN matches the false PIN, the system causes the ATM to exhibit a simulated error that prevents the transaction from completing, rather than presenting a normal rejection. The patent includes 17 claims primarily covering this dual-PIN authentication mechanism with simulated error triggering.

Financial institutions operating ATM networks and ATM manufacturers should monitor this patent grant when developing or updating PIN security features. While the patent does not impose regulatory compliance obligations, it establishes exclusive intellectual property rights that may affect technology licensing decisions or product development roadmaps for ATM security systems. Kyndryl Inc. now holds enforceable patent rights covering this simulated-error ATM security approach for the patent's duration.

What to do next

  1. Monitor for potential licensing opportunities if developing competing ATM PIN security systems
  2. Review patent claims to assess freedom-to-operate for existing ATM deployments
  3. Consult IP counsel regarding enforcement considerations for the patented technology

Archived snapshot

Apr 8, 2026

GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.

← USPTO Patent Grants

Dynamic triggering of simulated errors in automated teller machines

Grant US12597322B1 Kind: B1 Apr 07, 2026

Assignee

Kyndryl Inc.

Inventors

Cesar Augusto Rodriguez Bravo

Abstract

A method includes: receiving input from a user, the input defining a true personal identification number (PIN) associated with the user and at least one false PIN associated with the user; in response to the user initiating a transaction at an automated teller machine (ATM), determining whether a PIN associated with the transaction matches the true PIN associated with the user or the at least one false PIN associated with the user; and based on the determining, performing one of: in response to the PIN associated with the transaction matching the true PIN associated with the user, permitting the ATM to continue with the transaction; or in response to the PIN associated with the transaction matching the at least one false PIN associated with the user, causing the ATM to exhibit a simulated error that prevents the transaction.

CPC Classifications

G07F 19/206 G06Q 20/4012

Filing Date

2025-01-07

Application No.

19011689

Claims

17

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Last updated

Classification

Agency
USPTO
Published
April 7th, 2026
Instrument
Notice
Legal weight
Binding
Stage
Final
Change scope
Minor
Document ID
US12597322B1

Who this affects

Applies to
Banks Technology companies Financial advisers
Industry sector
5221 Commercial Banking
Activity scope
Patent grant ATM security systems PIN verification
Geographic scope
United States US

Taxonomy

Primary area
Intellectual Property
Operational domain
Legal
Topics
Financial Services Consumer Finance

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