Cardless atm transaction method and system

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.

Dependencies are inferred from the claim text.