The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 20, 2021
Filed:
Jan. 29, 2016
Tata Consultancy Services Limited, Mumbai, IN;
Hitesh Umedkumar Ruparelia, Ahmedabad, IN;
Ramya R. Varma, Bangalore, IN;
Guruprasad MS, Bangalore, IN;
Basavaraj Murugendraiah, Bangalore, IN;
Jaipal Gopalan, Bangalore, IN;
Sathish Vallat, Bangalore, IN;
Tata Consultancy Services Limited, Mumbai, IN;
Abstract
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.