METHOD AND SYSTEM FOR CARDLESS ATM TRANSACTION VIA MOBILE DEVICE

A method for initiating a cardless automated teller machine (ATM) transaction via a mobile computing device includes: storing, in a memory of a mobile computing device, at least transaction account data and authentication data; receiving, by an input device of the mobile computing device, at least desired transaction data and authentication information; receiving, by the input device of the mobilecomputing device, a unique identifier associated with an automated teller machine (ATM); authenticating, by an authentication module of the mobile computing device, the received authentication information based on the stored authentication data; and electronically transmitting, by a transmitting device of the mobile computing device, at least the received desired data and unique identifier and aresult of the authentication to an external computing system. 一种用于经由移动计算设备发起无卡自动柜员机(ATM)交易的方法，包括：在移动计算设备的存储器中至少存储交易账户数据和认证数据；由移动计算设备的输入设备接收至少期望的交易数据和认证信息；由移动计算设备的输入设备接收与自动柜员机(ATM)相关联的唯一标识符；由移动计算设备的认证模块基于存储的认证数据对接收到的认证信息进行认证；以及