CARDLESS ATM TRANSACTION METHOD AND SYSTEM

• US 20110238573A1
• Filed: 03/15/2011
• Published: 09/29/2011
• Est. Priority Date: 03/25/2010
• Status: Abandoned Application

• Current Assignee: CA, Inc. (d/b/a CA Technologies) (Broadcom, Inc.)
• Original Assignee: Computer Associates Think Inc. (Broadcom, Inc.)
• Inventors: Varadarajan, Rammohan
• Application Number:
  US13/048,096
• Publication Number:
  US 20110238573A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A method and system are provided for conducting automatic teller machine (ATM) transactions without the use of an ATM card, using a mobile user device. The mobile user device communicates with an ATM, a provider interface or a network. The ATM communicates with the mobile user device through a contact or contactless means, which may include communication through any wireless connection such as RFID, Bluetooth™ or other near field communication means, or through a USB port or other means of contact. A mobile user device may provide transaction information or authentication information to an ATM or to an authentication system in communication with an ATM. The transaction may be associated with the user'"'"'s ATM account or another account. The mobile user device may generate a dynamic value which may be used as a password, an authentication value, an account identifier or a transaction identifier.

Claims

1. A system for conducting an automatic teller machine (ATM) transaction with a provider system, comprising:

a provider system configured to communicate with an ATM, a network, and a mobile user device;

wherein the mobile user device is configured to communicate with one or more of the network, the ATM and the provider system, and is configured to receive transaction information related to an ATM transaction between the provider system and a user of the mobile user device; and

wherein the ATM is configured to receive the transaction information provided to the mobile user device such that the ATM and the provider system can process the ATM transaction when the transaction information is input into the ATM.

2. The system of claim 1, wherein:

the ATM includes an ATM interface;

the mobile user device includes a mobile user device interface; and

the ATM interface is configured to receive transaction information from and send transaction information to the mobile user device interface; and

the mobile user device interface is configured to receive transaction information from and send transaction information to the ATM interface.

3. The system of claim 2, wherein the ATM interface and the mobile user device interface are each configured as one of a contact and a contactless interface.

4. The system of claim 1, wherein the transaction information includes at least one of a provider identifier, a user identifier, an account identifier, a transaction identifier, a transaction type, a transaction amount, a transaction limitation, an expiration value, an authentication value, a passcode, a personal identification number, a beneficiary identifier, identification information, transaction data, authentication information, a challenge, a challenge response, a digital signature, a key, a secret, a datum, a device identifier, a biometric value, an instruction, a provider link, an authentication result, an authenticator, and an authorization result.

5. The system of claim 1, wherein a transaction identifier is substituted for at least a portion of the transaction information provided to the ATM.

6. The system of claim 1, further comprising:

a dynamic value generator including an algorithm; and

a key configured for use with the algorithm;

wherein;

the key and the algorithm are shared by the provider system and the mobile user device;

the provider system and mobile user device are each configured to generate a dynamic value using the dynamic value generator and the key; and

the generated dynamic value is provided to the ATM such that a user of the mobile user device can complete the ATM transaction with the provider system.

7. The system of claim 6, wherein the dynamic value represents at least a portion of the transaction information, including at least one of a transaction identifier, a passcode, an authentication value and a challenge response.

8. The system of claim 1, further comprising:

an ATM application configured to receive and send transaction information related to the ATM transaction between the mobile user device and at least one of the ATM and the provider system.

9. The system of claim 8,

wherein the ATM application includes a dynamic value generator configured to generate a dynamic value using a key shared by the ATM application and the provider system;

and

wherein the dynamic value represents at least a portion of the transaction information, including at least one of a transaction identifier, a passcode, an authentication value and a challenge response.

10. The system of claim 1, wherein the mobile user device is a beneficiary user device, and wherein the transaction information is beneficiary transaction information provided to the beneficiary user device by the provider system such that the ATM and the provider system can process the beneficiary user ATM transaction when the beneficiary transaction information is inputted into the ATM.

11. A method for conducting an automatic teller machine (ATM) transaction with a provider system, the method comprising:

inputting transaction information into a mobile user device;

establishing a connection between the mobile user device and an ATM;

inputting the transaction information into the ATM via the connection established between the mobile user device and the ATM;

providing the transaction information to a provider system using the ATM;

processing the transaction information using the provider system;

generating and providing a transaction authorization result to the ATM using the provider system; and

completing the authorized transaction using the ATM.

12. The method of claim 11, wherein the transaction information includes at least one of a provider identifier, a user identifier, an account identifier, a transaction identifier, a transaction type, a transaction amount, a transaction limitation, an expiration value, an authentication value, a passcode, a personal identification number, a beneficiary identifier, identification information, transaction data, authentication information, a challenge, a challenge response, a digital signature, a key, a secret, a datum, a device identifier, a biometric value, an instruction, a provider link, an authentication result, an authenticator, and an authorization result.

13. The method of claim 11, wherein establishing a connection between the mobile user device and the ATM includes:

connecting a mobile user device interface to an ATM interface;

wherein the ATM interface is configured to receive transaction information from and send transaction information to the mobile user device interface; and

wherein the mobile user device interface is configured to receive transaction information from and send transaction information to the ATM interface.

14. The method of claim 13, wherein the ATM interface and the mobile user device interface are each one of a contact and a contactless interface.

15. The method of claim 11, wherein inputting transaction information into the mobile user device includes:

installing an ATM application on the mobile user device;

activating the ATM application to communicate with the provider system; and

inputting transaction information into the ATM application.

16. The method of claim 15, wherein installing the ATM application on the mobile user device includes:

installing a dynamic value generator configured to generate a dynamic value using a key shared by the ATM application and the provider system, wherein the dynamic value represents at least a portion of the transaction information, including at least one of a transaction identifier, a passcode, an authentication value and a challenge response.

17. The method of claim 11, wherein inputting transaction information into the mobile user device includes:

establishing a connection between the mobile user device and the provider system;

providing the transaction information to the provider system via the connection between the mobile user device and the provider system; and

generating and providing a transaction identifier to the mobile user device using the provider system; and

wherein inputting the transaction information into the ATM via the connection between the mobile user device and the ATM includes;

inputting the transaction identifier;

wherein the transaction identifier that is inputted is substituted for at least a portion of the transaction information.

18. The method of claim 17, further comprising:

generating and providing a transaction authenticator to the mobile user device using the provider system; and

inputting authentication information into the ATM via the connection between the mobile user device and the ATM using the transaction authenticator.

19. The method of claim 11,

wherein inputting transaction information into the mobile user device includes:

providing a transaction notification to a beneficiary user device using the provider system;

establishing a connection between the beneficiary user device and the provider system; and

receiving beneficiary transaction information from the provider system via the connection between the beneficiary user device and the provider system; and

wherein inputting the transaction information into the ATM via the connection between the mobile user device and the ATM includes;

inputting the beneficiary transaction information using the beneficiary user device, including inputting a beneficiary transaction identifier in substitution for all or a portion of the transaction information.

20. The method of claim 19, further comprising:

generating and providing a transaction authenticator to the beneficiary user device using the provider system; and

inputting authentication information into the ATM via the connection between the mobile user device and the ATM using the transaction authenticator.