A COMPUTER PROGRAM PRODUCT FOR IMPLEMENTING A FINANCIAL TRANSACTION REQUEST FOR USE IN CARDLESS AUTOMATED TELLER MACHINE (ATM) BASED TRANSACTION

摘要

An implementation of the present utility model relates to a computer program product for implementing a financial transaction request for use in cardless automated teller machine (ATM) based transaction with multi-tier and multi-factor authentication. The product aspect of the present utility model involves use of a security query and response management component that facilitates inputting, processing, and outputting a transaction value or amount, a first transaction identifier which may be a 4-digit PIN1, a transaction authenticator which may be an OTP, and a second transaction identifier which may be a 6-digit PIN2. These transaction information can be used by a service provider system comprising server system and maintained by a financial institution such as a bank to approve or deny the financial transaction request. The financial transaction request may be a cash withdrawal request, a cash deposit request, a funds transfer request, a payment request, and/or a cash remittance request.