Tata Consultancy Services Limited

Basavaraj Murugendraiah

Sathish Vallat

Ramya R Varma

Jaipal Gopalan

Hitesh Umedkumar Ruparelia

Guruprasad Ms

Method and System for performing secure card less transactions using a user device is disclosed. Initially, an authenticated banking application is downloaded on the user device wherein the downloaded application is linked to a user by a unique ID. To perform a transaction, the user logs in to the downloaded application and after login the user device and the ATM are securely paired, wherein the ATM also has a location based unique ID. The secure pairing process uses parameters such as a specific application identifier and a transaction terminal identifier. Once the user initiates the secure pairing process, the ATM displays a unique number generated by the bank server. The unique number is linked to the user and is entered in the portable device. Further, biometric authentication is performed and after validating a token ID is generated where a User specific UI is obtained and rendered onto the user device.

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Bengaluru, India

Basavaraj Murugendraiah