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US Patent 11928664 Systems and methods for processing cardless transactions

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Contents

Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent
1

Patent attributes

Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
1
Patent Number
119286641
Patent Inventor Names
Neil Marcous1
Douglas G. Brown1
Peter Gordon1
Hitesh Bajaj1
Mark Elliott1
Renee Goodheart1
Robert Woodbury1
Date of Patent
March 12, 2024
1
Patent Application Number
168744501
Date Filed
May 14, 2020
1
Patent Citations
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US Patent 8229852 Secure mobile payment system
1
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US Patent 7506804 System and method for an integrated payment and reward card
1
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US Patent 7349871 Methods for purchasing of goods and services
1
Patent Primary Examiner
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Kenneth Bartley
1
CPC Code
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G07F 19/00
1
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G07F 19/20
1
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G06Q 20/38
1
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G06Q 20/10
1
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G06Q 20/385
1
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G06Q 20/32
1
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G06Q 20/1085
1
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G06Q 20/02
1
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Patent 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.

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