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US 2008/0306837 A1Published application
Pin-less atm processing system
AssigneeFirst Data Corporation
InventorsPeter Rae, Nancy Loomis
Life of this patent
Estimating the term…
Abstract
A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction.
Claims6
A method of processing financial transactions via an ATM network, said method comprising:
- receiving at said merchant a first transaction request from a user for a first goods purchase;
- storing said first transaction request at said merchant;
- receiving PAN information associated with an account from said user without receiving a PIN from said user for said PAN and without receiving a signature from said user for said PAN;
- storing said PAN information at said merchant;
- processing at said merchant a second transaction request from said user for a second goods purchase, said second transaction request separate from said first transaction request;
- and then
- utilizing said stored PAN information to process said first transaction request.
4 more elements
6-21. (canceled)
Dependencies are inferred from the claim text.