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
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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 (34)
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| 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 |
| CN109716374B (en) * | 2016-09-04 | 2023-12-29 | 万事达卡国际公司 | Method and system for card-less ATM transactions 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 |
| US11100479B2 (en) * | 2017-02-13 | 2021-08-24 | 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 |
| US20200410493A1 (en) * | 2017-12-27 | 2020-12-31 | Mandar Agashe | Computer Implemented System and Method for Cashless and Cardless Transactions |
| US11741470B1 (en) | 2018-01-05 | 2023-08-29 | Wells Fargo Bank, N.A. | ATM third party products and services |
| US11379839B1 (en) | 2018-01-05 | 2022-07-05 | Wells Fargo Bank, N.A. | Third party products and services via ATM |
| CN111886618B (en) * | 2018-03-12 | 2024-01-02 | 维萨国际服务协会 | 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 |
| KR102669787B1 (en) * | 2020-04-08 | 2024-05-28 | 주식회사 올링크 | Method and System for Financial Transaction Using ATM |
| 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 |
| US12400198B2 (en) * | 2022-09-15 | 2025-08-26 | Bank Of America Corporation | Banking at an ATM using a mobile device |
| TWI861681B (en) * | 2023-01-13 | 2024-11-11 | 兆豐國際商業銀行股份有限公司 | Withdrawal operation system and withdrawal operation method based on application |
| TWI841248B (en) * | 2023-02-18 | 2024-05-01 | 林書維 | Cryptocurrency teller system and cryptocurrency trading method |
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| 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 |
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| KR100786551B1 (en) * | 2006-09-15 | 2007-12-21 | 이니텍(주) | A computer-readable recording medium on which a user registration, authentication method, and program for performing the method of one-time passwords using a plurality of methods are recorded. |
| US20080103984A1 (en) * | 2006-10-30 | 2008-05-01 | Mobilekash, Inc. | System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization |
| US20100063905A1 (en) | 2006-11-28 | 2010-03-11 | 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 | A method, system and device for cardless operation of an automatic teller machine |
| TWI402775B (en) * | 2009-07-16 | 2013-07-21 | Mxtran Inc | Financial transaction system, automated teller machine, and method of operating an automated teller machine |
| 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 |
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| US20130262303A1 (en) * | 2012-03-27 | 2013-10-03 | Ebay Inc. | Secure transactions with a mobile device |
| US20160048846A1 (en) | 2013-03-15 | 2016-02-18 | 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 |
| CA2927052C (en) | 2013-10-11 | 2021-09-21 | Visa International Service Association | 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 |
| EP3140794A4 (en) | 2014-05-09 | 2017-12-13 | Diebold, Incorporated | Cardless financial transactions |
| US9536240B2 (en) * | 2014-07-21 | 2017-01-03 | Paypal, Inc. | Secure cardless cash withdrawal |
| US10339518B2 (en) | 2014-10-13 | 2019-07-02 | 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 |
-
2015
- 2015-10-29 SG SG10201508945YA patent/SG10201508945YA/en unknown
-
2016
- 2016-10-05 WO PCT/US2016/055457 patent/WO2017074665A1/en not_active Ceased
- 2016-10-25 US US15/333,960 patent/US10475009B2/en active Active
-
2019
- 2019-09-26 US US16/584,165 patent/US11113679B2/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| US10475009B2 (en) | 2019-11-12 |
| US11113679B2 (en) | 2021-09-07 |
| WO2017074665A1 (en) | 2017-05-04 |
| US20170124544A1 (en) | 2017-05-04 |
| US20200019944A1 (en) | 2020-01-16 |
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