CARDLESS ATM TRANSACTION METHOD AND SYSTEM
First Claim
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 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A system for conducting an automatic teller machine (ATM) transaction with a provider system, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for conducting an automatic teller machine (ATM) transaction with a provider system, the method comprising:
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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. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification