SG10201508945YA - Method and system for cardless use of an automated teller machine (atm) - Google Patents

Method and system for cardless use of an automated teller machine (atm)

Info

Publication number
SG10201508945YA
SG10201508945YA SG10201508945YA SG10201508945YA SG10201508945YA SG 10201508945Y A SG10201508945Y A SG 10201508945YA SG 10201508945Y A SG10201508945Y A SG 10201508945YA SG 10201508945Y A SG10201508945Y A SG 10201508945YA SG 10201508945Y A SG10201508945Y A SG 10201508945YA
Authority
SG
Singapore
Prior art keywords
cardless
atm
teller machine
automated teller
automated
Prior art date
Application number
SG10201508945YA
Inventor
Recriwal Adarsh
Gupta Amit
Akhauri Dhruv
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201508945YA priority Critical patent/SG10201508945YA/en
Priority to PCT/US2016/055457 priority patent/WO2017074665A1/en
Priority to US15/333,960 priority patent/US10475009B2/en
Publication of SG10201508945YA publication Critical patent/SG10201508945YA/en
Priority to US16/584,165 priority patent/US11113679B2/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
SG10201508945YA 2015-10-29 2015-10-29 Method and system for cardless use of an automated teller machine (atm) SG10201508945YA (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
SG10201508945YA SG10201508945YA (en) 2015-10-29 2015-10-29 Method and system for cardless use of an automated teller machine (atm)
PCT/US2016/055457 WO2017074665A1 (en) 2015-10-29 2016-10-05 Method and system for cardless use of an automated teller machine (atm)
US15/333,960 US10475009B2 (en) 2015-10-29 2016-10-25 Method and system for cardless use of an automated teller machine (ATM)
US16/584,165 US11113679B2 (en) 2015-10-29 2019-09-26 Method and system for cardless use of an automated teller machine (ATM)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201508945YA SG10201508945YA (en) 2015-10-29 2015-10-29 Method and system for cardless use of an automated teller machine (atm)

Publications (1)

Publication Number Publication Date
SG10201508945YA true SG10201508945YA (en) 2017-05-30

Family

ID=57178504

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201508945YA SG10201508945YA (en) 2015-10-29 2015-10-29 Method and system for cardless use of an automated teller machine (atm)

Country Status (3)

Country Link
US (2) US10475009B2 (en)
SG (1) SG10201508945YA (en)
WO (1) WO2017074665A1 (en)

Families Citing this family (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
KR101652625B1 (en) * 2015-02-11 2016-08-30 주식회사 이베이코리아 Security authentification system for membership login of online website and method thereof
US10255589B1 (en) * 2015-10-23 2019-04-09 Wells Fargo Bank, N.A. Access controls for transfer transactions
AU2017318589B2 (en) * 2016-09-04 2020-04-09 Mastercard International Incorporated Method and system for cardless ATM transaction via mobile device
US11625699B1 (en) 2016-12-27 2023-04-11 Wells Fargo Bank, N.A. Adaptive daily withdrawal limits for smart chip ATM transactions
US10163084B2 (en) * 2017-02-13 2018-12-25 Bank Of America Corporation Banking systems controlled by data bearing records
WO2019025989A1 (en) * 2017-08-04 2019-02-07 Adari Swarna Kumari System and method for real-time generation of payment slip
IT201700080890A1 (en) * 2017-08-07 2019-02-07 Vj Tech S R L VIA IVR / OTP IDENTIFICATION AND AUTHENTICATION METHOD DEDICATED TO RESERVATION AND EXECUTION OF BANKING AND FINANCIAL SERVICES WITHOUT USING PERSONAL IDENTITY DOCUMENTS
WO2019058264A1 (en) * 2017-09-20 2019-03-28 Adari Swarna Kumari System and method for performing cardless financial transactions
WO2019130226A1 (en) * 2017-12-27 2019-07-04 Mandar Agashe A computer implemented system and method for cashless and cardless transactions
US11379839B1 (en) 2018-01-05 2022-07-05 Wells Fargo Bank, N.A. Third party products and services via ATM
US11741470B1 (en) 2018-01-05 2023-08-29 Wells Fargo Bank, N.A. ATM third party products and services
US11631085B2 (en) * 2018-03-12 2023-04-18 Visa International Service Association Digital access code
EP3782138A1 (en) * 2018-04-20 2021-02-24 Diebold Nixdorf Incorporated After-hours depository including method and system
US11232436B1 (en) * 2018-08-30 2022-01-25 United Services Automobile Association (Usaa) Technical solutions to lost credit cards
US11676149B2 (en) 2019-04-11 2023-06-13 Ncr Corporation Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets
US11636454B2 (en) * 2019-04-11 2023-04-25 Ncr Corporation Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets
US11803827B2 (en) 2019-11-01 2023-10-31 Mastercard International Incorporated Method and system for enabling cardless transactions at an ATM for any institutional entity
US20210142314A1 (en) * 2019-11-13 2021-05-13 Capital One Services, Llc Ir display for user authentication
CN110942308A (en) * 2019-11-15 2020-03-31 北京三快在线科技有限公司 Resource transfer method, device, computer equipment and storage medium
US11507932B2 (en) * 2019-11-18 2022-11-22 Capital One Services, Llc Cardless ATM connectivity for denomination selection
JP7419841B2 (en) 2020-01-30 2024-01-23 沖電気工業株式会社 Information processing equipment and programs
KR20210125242A (en) * 2020-04-08 2021-10-18 주식회사 올링크 ATM Being Capable of Communicating With Mobile Terminal And Final Transaction System and Method Using Thereof
US11074562B1 (en) 2020-05-18 2021-07-27 Capital One Services, Llc Using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM
US11423380B2 (en) 2020-05-18 2022-08-23 Capital One Services, Llc Remote activation of kiosk to serve product or release cash to customer
TWI774011B (en) * 2020-06-23 2022-08-11 國泰世華商業銀行股份有限公司 System for getting certification through automation machine for applying account and method thereof
US11475421B2 (en) 2020-08-13 2022-10-18 Capital One Services, Llc ATM transactions using barcodes in multiple states
US11887120B2 (en) 2020-09-24 2024-01-30 Ncr Atleos Corporation System and method for touchless pin entry
US11544683B2 (en) * 2020-10-26 2023-01-03 Visa International Service Association System, method, and computer program product for a contactless ATM experience
US11789776B2 (en) 2021-06-21 2023-10-17 Bank Of America Corporation System and method for minimizing computational processing for converting user resources to resources supported by third party entities
TWI817504B (en) * 2022-05-13 2023-10-01 臺灣銀行股份有限公司 Cardless withdrawal method and system thereof with automatic push notification

Family Cites Families (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5870724A (en) 1989-12-08 1999-02-09 Online Resources & Communications Corporation Targeting advertising in a home retail banking delivery service
US5650604A (en) 1995-02-22 1997-07-22 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
US6145738A (en) * 1997-02-06 2000-11-14 Mr. Payroll Corporation Method and apparatus for automatic check cashing
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US7686213B1 (en) * 1998-04-17 2010-03-30 Diebold Self-Service Systems Division Of Diebold, Incorporated Cash withdrawal from ATM via videophone
US8494956B2 (en) 1999-10-26 2013-07-23 The Western Union Company Internet funds transfer system using ATM pickup
US7606560B2 (en) 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device
EP1783676A1 (en) 2004-07-05 2007-05-09 Bankinter S.A. Method for obtaining cash at cardless teller machines, using a payment order via sms
US7568615B2 (en) 2005-08-24 2009-08-04 E-Cash Financial, Inc. Electronic transfer of hard currency
KR100786551B1 (en) * 2006-09-15 2007-12-21 이니텍(주) Method for registering and certificating user of one time password by a plurality of mode and computer-readable recording medium where program executing the same method is recorded
US20080103984A1 (en) * 2006-10-30 2008-05-01 Mobilekash, Inc. System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization
EP2120205A4 (en) 2006-11-28 2011-04-06 Nilutesa S L Method and system for performing banking transactions by simulating a virtual atm by means of a mobile telecommunications device
US20090078758A1 (en) * 2007-09-26 2009-03-26 First Data Corporation Systems and methods for cardless transactions using a telephone number
CN101882343A (en) 2009-05-05 2010-11-10 中国移动通信集团公司 Method, system and equipment for cardless operation of automatic teller machine
TWI402775B (en) * 2009-07-16 2013-07-21 Mxtran Inc Financial transaction system, automated teller machine (atm), and method for operating an atm
DE102010000824A1 (en) * 2010-01-12 2011-07-14 Siemens Aktiengesellschaft, 80333 System for the implementation of remote services for a technical installation
US20110238573A1 (en) * 2010-03-25 2011-09-29 Computer Associates Think, Inc. Cardless atm transaction method and system
US9098846B2 (en) 2011-03-04 2015-08-04 Bank Of America Corporation Contactless automated teller machine
US20120330824A1 (en) * 2011-06-23 2012-12-27 Ebay Inc. Cash retrieval using payment provider
US8924712B2 (en) * 2011-11-14 2014-12-30 Ca, Inc. Using QR codes for authenticating users to ATMs and other secure machines for cardless transactions
US8513454B2 (en) 2011-12-08 2013-08-20 E I Du Pont De Nemours And Company Preparation of (phosphonyl) aromatic diesters and acids
US20130262303A1 (en) * 2012-03-27 2013-10-03 Ebay Inc. Secure transactions with a mobile device
US20160078430A1 (en) 2013-03-15 2016-03-17 Capital One Financial Corporation System and method for digital authentication
IN2013MU02789A (en) * 2013-08-27 2015-07-03 Mandar Agashe
KR20150040607A (en) * 2013-10-07 2015-04-15 엘지전자 주식회사 Mobile terminal and control method thereof
JP6386567B2 (en) 2013-10-11 2018-09-05 ビザ インターナショナル サービス アソシエーション Network token system
AU2014357381B2 (en) 2013-12-02 2017-03-23 Mastercard International Incorporated Method and system for secure authentication of user and mobile device without secure elements
US20150199671A1 (en) 2014-01-13 2015-07-16 Fidelity National E-Banking Services, Inc. Systems and methods for processing cardless transactions
BR112016026270B1 (en) 2014-05-09 2023-12-12 Diebold Nixdorf, Incorporated METHOD FOR CARRYING OUT A PRE-CREATED BANK TRANSACTION AT AN ATM
US9536240B2 (en) * 2014-07-21 2017-01-03 Paypal, Inc. Secure cardless cash withdrawal
WO2016061077A1 (en) 2014-10-13 2016-04-21 Mastercard International Incorporated Method and system for direct carrier billing
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile

Also Published As

Publication number Publication date
US20200019944A1 (en) 2020-01-16
US10475009B2 (en) 2019-11-12
WO2017074665A1 (en) 2017-05-04
US11113679B2 (en) 2021-09-07
US20170124544A1 (en) 2017-05-04

Similar Documents

Publication Publication Date Title
SG10201508945YA (en) Method and system for cardless use of an automated teller machine (atm)
ZA202002357B (en) System and method for machine learning-driven object detection
ZA201603670B (en) Method and system for processing secure offline transactions
PL3459060T3 (en) Method and system for cardless disbursement from an automated teller machine
EP3196863C0 (en) System and method for aircraft docking guidance and aircraft type identification
HK1203285A2 (en) A method for managing a virtual currency and an improved virtual currency system
EP3196853A4 (en) Machine vision-based method and system for aircraft docking guidance and aircraft type identification
IL240872A (en) System and method for object authenticity detection
HK1231610A1 (en) Systems and methods for processing cardless transactions
HK1218360A1 (en) Method for processing subtitle data and system thereof
EP3218858A4 (en) Systems and methods for detecting compromised automated teller machines
GB2557520B (en) Method and system for processing a fluid produced from a well
ZA201706850B (en) System and method for processing vouchers
GB2567750B (en) System and method for sensing tissue deformation
PL3257444T3 (en) Method for data analysis and processing of elasticity detection device, and elasticity detection device
GB201412367D0 (en) Method and system of processing a transaction for a group
IL231789A0 (en) System and method for identifying fraud attempt of an entrance control system
HK1231611A1 (en) Method and system for micro-accumulation of funds
GB201503065D0 (en) Method & system for enabling authenticated operation of a data processing device
SG11201607024RA (en) System and method for processing boil-off gas
GB201402086D0 (en) System and method for performing an operation
SG10201510797WA (en) Method and system for changing an amount of a first denomination at an automated teller machine
SG10201508062XA (en) Method and System for performing an action in a branchless banking environment
SG11201609413WA (en) Method and system for data processing
IL232131A0 (en) System and method for detection and operation of leakage