A financial transaction system includes a bank server, an authentication code transfer server, and an ATM. The bank server generates an authentication code in response to a request message received from a mobile terminal. Then the bank server transmits the authentication code to the mobile terminal. The authentication code transfer server receives the authentication code from the mobile terminal and forwards the authentication code to the ATM which then transmits the authentication code to the bank server for transaction authentication. The bank server performs transaction authentication by comparing the code received from the ATM with the code previously generated by the bank server. The ATM dispenses cash according to transaction information entered by a user using the mobile terminal upon receipt of a transaction approval message from the bank server.

Disclosed herein are system, method, and computer program product embodiments for creating a personalized barcode for an account holder at an Automated Teller Machine (ATM). An embodiment operates by storing account holder unique data and a first rule for generating a personalized barcode unique to the account holder based on the account holder unique data. After receiving a request for completion of a transaction from the first account holder, placing the account holder unique data and the first rule in a pairing service. Thereafter, the ATM is configured to retrieve the account holder unique data and the first rule from the pairing service, generate the first personalized barcode based on the first rule and the account holder unique data, and present the first personalized barcode to the first account holder.

The present disclosure relates to systems and methods for an Automated Teller Machine to issue a secured bank card. An Automated Teller Machine to issue a secured bank card includes one or more memories storing instructions and one or more processors configured to execute instruction to perform operations. The operations include receiving a request for a secured bank card from a user, determining if the user is a current customer, obtaining bank card application information about the user, receiving additional information to confirm the identity of the user, determining if there are already existing accounts tied to the user, transmitting the bank card application information to a server associated with the card issuer, receiving card options the user is qualified for, presenting the card options and instructions to select a cash amount to be remitted, approving, upon receipt of the cash amount, issuance of the secured bank card, creating a unique account for the secured bank card, activating the secured bank card and associating it with the unique account, and dispensing the newly activated secured bank card.

In some implementations, an automated teller machine (ATM) may accept a card. The ATM may eject the card at a first time. The ATM may retract the card based on a determination that a threshold amount of time has elapsed from the first time and that the card has not been removed. The ATM may eject the card at a second time after retracting the card. The ATM may retract the card based on a determination that the threshold amount of time has elapsed from the second time and that the card has not been removed. The ATM may provide the card to a card storage compartment of the ATM after retracting the card and based on a determination that the card has been ejected or retracted a threshold number of times.

Systems and methods provided herein may include a card replacement system. The system may include an automated teller machine in data communication with a server. The automated teller machine may include an input device; a processor; a replacement card storage containing at least one replacement card, wherein the at least one replacement cards may include a magnetic stripe and a chip; a magnetic stripe writer; a chip writer; and an embossing device. The processor may be configured to: receive a replacement card request via the input device; request replacement card information from the server; encode replacement card information onto the replacement card using the magnetic stripe writer and the chip writer; and emboss user information onto the replacement card using the embossing device.

A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

A financial transaction system includes a bank server, an authentication code transfer server, and an ATM. The bank server generates an authentication code in response to a request message received from a mobile terminal. Then the bank server transmits the authentication code to the mobile terminal. The authentication code transfer server receives the authentication code from the mobile terminal and forwards the authentication code to the ATM which then transmits the authentication code to the bank server for transaction authentication. The bank server performs transaction authentication by comparing the code received from the ATM with the code previously generated by the bank server. The ATM dispenses cash according to transaction information entered by a user using the mobile terminal upon receipt of a transaction approval message from the bank server.

Systems and methods include a kiosk that performs an electronic payment transaction based on instructions received from a portable device of a user. The system further includes a transmitting device electrically coupled to the kiosk. The transmitting device is configured to transmit a first signal to the portable device at a first direction. The system fbrther includes a receiving device electrically coupled to the kiosk. The receiving device is configured to receive a second signal from the portable device at a second direction. The transmitting device and receiving device are positioned such that the first and second direction enable determination of a position of the user, where the processor enables the electronic payment transaction to be processed only when the portable device is at a location relative to the kiosk. The location is disposed within a transmission path coextensive with both the first direction and the second direction.

A mobile device such as a smart phone enables a user to wirelessly request to receive a delivery of an amount of cash. The request is sent to a remote transaction system which approves the request and provides the mobile device with a transaction identifier. The user operates the mobile device to send the transaction identifier, the amount and a delivery location to a delivery service terminal associated with a delivery service. The delivery service terminal communicates with the remote transaction system to confirm the delivery and/or the mobile device confirms the delivery to the remote transaction system. The remote transaction system operates to charge the financial account for the amount. In some arrangements the mobile device user may choose to have selected items of goods delivered by the delivery service in addition to cash.

Systems and methods are provided for depositing cash into ATMs for crediting an online merchant account. In one embodiment, a method is provided that includes receiving an account identifier requested by a user at an automated teller machine (ATM). The account identifier is associated with an account with a merchant. The method may further include routing the account identifier to an application programming interface affiliated with the ATM to confirm a validity of the account identifier. In certain implementations, the method may further include implementing the transaction by accepting a deposit from the user. A settlement account is updated to reflect the deposit.