Method and system for cardless use of an automated teller machine (ATM)
AssigneeMastercard International Incorporated
InventorsAdarsh Recriwal, Amit Gupta, Dhruv Akhauri
Life of this patent
Estimating the term…
Abstract
A computer-implemented method for cardless use of an automated teller machine (ATM) is provided. The method includes receiving as an input, a user-identified ATM that the user wishes to use. The method also includes generating and transmitting a one-time password (OTP) for the user to enter at the identified ATM. The method further includes receiving and verifying the OTP entered into the ATM, and on successful verification, authorizing access to services available through the ATM, without use of a card.
Claims17
A computer-implemented method for cardless use of an automated teller machine (ATM) by a user, the method implemented using a computer system comprising a server, the server including at least one processor in communication with a database, the database storing a user profile of the user and stored ATM information, the stored ATM information identifying a plurality of ATMs, the method comprising:
- receiving, by the server from a user device of the user, a request to log on to a computer application, the request including at least one security feature submitted by the user;
- granting, by the server, access by the user device to the computer application in response to verifying that the submitted at least one security feature matches at least one profile security feature stored in the user profile;
- receiving, by the server, ATM information submitted by the user device via the computer application, the ATM information identifying a candidate ATM, wherein the candidate ATM is not associated in the database with the user profile;
- identifying, by the server, the candidate ATM by comparing the submitted ATM information to the stored ATM information;
- receiving, by the server from the user device of the user, a control element indicating a request for a cardless service type of a plurality of cardless service types to be accessed at the candidate ATM;
- determining, by the server, that the user is authorized to access the cardless service type of the plurality of cardless service types at the candidate ATM based on the control element;
- generating and transmitting, by the server to the user device, a first onetime password (OTP) for the user to enter at the candidate ATM in response to determining that the user is authorized to access the cardless service type of the plurality of cardless service types at the candidate ATM;
- receiving, by the server, a second OTP entered into the candidate ATM;
- verifying, by the server, that the first OTP matches the second OTP;
- and
- in response to the verification, authorizing, by the server, access by the user to at least one service associated with the cardless service type of the plurality of cardless service types available through the candidate ATM, without use of a card.
A computer system for cardless use of an automated teller machine (ATM) by a user, the computer system comprising a server, the server including at least one processor in communication with a database, the database storing a user profile of the user and stored ATM information, the stored ATM information identifying a plurality of ATMs, the computer system configured to:
- receive, from a user device of the user, a request to log on to a computer application, the request including at least one security feature submitted by the user;
- grant access by the user device to the computer application in response to verifying that the submitted at least one security feature matches at least one profile security feature stored in the user profile;
- receive ATM information submitted by the user device via the computer application, the ATM information identifying a candidate ATM, wherein the candidate ATM is not associated in the database with the user profile;
- identify the candidate ATM by comparing the submitted ATM information to the stored ATM information;
- receive, from the user device of the user, a control element indicating a request for a cardless service type of a plurality of cardless service types to be accessed at the candidate ATM;
- determine that the user is authorized to access the cardless service type of the plurality of cardless service types at the candidate ATM based on the control element;
- generate and transmit, to the user device, a first one-time password (OTP) for the user to enter at the candidate ATM;
- receive a second OTP entered into the candidate ATM in response to determining that the user is authorized to access the cardless service type of the plurality of cardless service types at the candidate ATM;
- verify that the first OTP matches the second OTP;
- and
- in response to the verification, authorize access by the user to at least one service associated with the cardless service type of the plurality of cardless service types available through the candidate ATM, without use of a card.
At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon for cardless use of an automated teller machine (ATM) by a user, wherein when executed by at least one processor, the processor at a server of a computer system and in communication with a database, the database storing a user profile of the user and stored ATM information, the stored ATM information identifying a plurality of ATMs, the computer-executable instructions cause the processor to:
- receive, from a user device of the user, a request to log on to a computer application, the request including at least one security feature submitted by the user;
- grant access by the user device to the computer application in response to verifying that the submitted at least one security feature matches at least one profile security feature stored in the user profile;
- receive ATM information submitted by the user device via the computer application, the ATM information identifying a candidate ATM, wherein the candidate ATM is not associated in the database with the user profile;
- identify the candidate ATM by comparing the submitted ATM information to the stored ATM information;
- receive, from the user device of the user, a control element indicating a request for a cardless service type of a plurality of cardless service types to be accessed at the candidate ATM;
- determine that the user is authorized to access the cardless service type of the plurality of cardless service types at the candidate ATM based on the control element;
- generate and transmit, to the user device, a first one-time password (OTP) for the user to enter at the candidate ATM in response to determining that the user is authorized to access the cardless service type of plurality of cardless service types at the candidate ATM;
- receive a second OTP entered into the candidate ATM;
- verify that the first OTP matches the second OTP;
- and
- in response to the verification, authorize access by the user to at least one service associated with the cardless service type of the plurality of cardless service types available through the candidate ATM, without use of a card.
Dependencies are inferred from the claim text.