Patent ID: 11928664
Assignee: FIDELITY INFORMATION SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A computer-implemented method for processing a cardless transaction, comprising:
identifying, at a credential processor, each of a mobile device and an Automated Teller Machine (ATM) via a scanning by a user of the mobile device of a randomly-generated identifier displayed on the ATM, and based on the identification, establishing a communicative connection between the mobile device, the ATM, and the credential processor;
receiving, at the credential processor, a list request for accounts associated with the user from the mobile device, the list request including user credentials;
determining, via the credential processor, one or more accounts associated with the user credentials;
transmitting, via the credential processor, account information for each of the one or more accounts associated with the user credentials to the mobile device;
receiving, at the credential processor, a selected account from the mobile device, the selected account being selected by the user from the one or more accounts associated with the user credentials transmitted to the mobile device;
determining, via the credential processor, a substitute value corresponding to the selected account, the substitute value being a first alphanumeric string generated during a registration of the selected account, the substitute value representing an account number of the selected account, the substitute value being distinct from the account number of the selected account;
generating, via the credential processor, a dynamic token associated with the user credentials, the dynamic token comprising a second alphanumeric string representing the user credentials;
transmitting, to the ATM, a transaction request from the credential processor, the transaction request including one or more transaction parameters, the substitute value, and the dynamic token such that the account number of the selected account and the user credentials are not communicated to the ATM;
determining, at the ATM, the account information of the selected account using the substitute value received in the transaction request;
verifying, at the ATM, the user credentials using the dynamic token received in the transaction request; and
transmitting the account information of the selected account and the one or more transaction parameters from the ATM to a payment network.