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:
Mar. 12, 2024
Filed:
May. 14, 2020
Fidelity National E-banking Services, Inc., Jacksonville, FL (US);
Hitesh Bajaj, Duluth, GA (US);
Douglas G. Brown, Grafton, WI (US);
Robert Woodbury, Flemington, NJ (US);
Neil Marcous, Bay Head, NJ (US);
Peter Gordon, Sharon, MA (US);
Renee Goodheart, Midland Park, NJ (US);
Mark Elliott, Summit, NJ (US);
Fidelity Information Services, LLC, Jacksonville, FL (US);
Abstract
Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.