Various embodiments of systems and methods for direct depositing funds (e.g., consumer coin value, paper cash value, etc.) into an account at a bank or other financial institution are disclosed herein. In some embodiments, the systems and methods described herein enable a consumer to pour a batch of loose coins into a coin counting kiosk and have the coin value deposited directly into one of the consumer's accounts at a financial institution (e.g., a debit card account, credit card account, savings account, checking account, etc.) by swiping their bank card through (or inserting their bank card into) a card reader at the kiosk and selecting the desired transaction.

An exemplary system includes at least one physical computing device that is communicatively coupled, by way of a network, to an automated teller machine (ATM), and that receives, by way of user input to the ATM, a transaction identifier, verifies that the transaction identifier represents, in an electronic payment system, an electronic payment of an amount from a sender to a recipient by way of the electronic payment system, generates an access code for the electronic payment, initiates a transmission of the access code to a computing device of the recipient, receives, by way of additional user input to the ATM, the access code for the electronic payment, validates the received access code for the electronic payment, and directs, in response to the validation of the received access code, the ATM to disburse the amount of the electronic payment in physical currency.

A system includes a database, a sensor, and a hardware processor communicatively coupled to the sensor. The database stores an identifier assigned to a mobile device. The presence of the identifier in the database indicates that a user of the mobile device is associated with a security breach. The mobile device is configured to transmit the identifier over a wireless network. The sensor has a range and is configured to obtain the identifier transmitted by the mobile device when the mobile device is located within the range. The hardware processor receives the identifier from the sensor. The processor also determines that the identifier is stored in the database. In response to determining that the identifier is stored in the database, the processor initiates a security protocol.

A method performed by a processor of a financial institution computing system includes allowing an account holder at the financial institution to initiate a transaction with the financial institution remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a financial institution's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

The present invention provides a self-service system (100) comprises: at least one mobile robot (110) for providing the services; and a cloud server (140) in communication with the at least one mobile robot (110) and a plurality of user mobile devices (180) via a communication network, characterised in that the cloud server (140) comprises: a queue management module (141) configured to generate a digital queue number to a designated user mobile device (180) upon receiving a request; and a robot management system (142) configured to manage activities of the mobile robot (110) in accordance to the sequence of the generated digital queue numbers, wherein the system (100) further comprises a means to guide the mobile robot (110) to the designated position of the user mobile device (180).

A system and method are provided for redeeming cashless gaming tickets having associated monetary value, such as issued at a cash-out from a gaming machine in a casino. When the customer wishes to redeem the ticket, the ticket is introduced to a multi-function ATM. The ATM then electronically communicates with a ticket redemption system to validate the ticket. The customer may transfer the monetary value associated with the ticket to an account associated with a presented bank card, wherein the ATM transmits a request for transfer to a financial server which transmits a request to a financial network for crediting of the monetary value (such as less a transaction fee) to the customer's bank card account.

A computer-implemented method for demonstrating a personalized automated teller machine (ATM) presentation to a user may include: obtaining transaction data of the user via a device associated with the user; obtaining, via the one or more processors, geographic data of the user based on the transaction data; generating, via the one or more processors, ATM data based on the geographic data of the user; obtaining, via the one or more processors, user feedback data based on the ATM data, wherein the user feedback data comprises a selection of an ATM of the list of the ATMs; transmitting, to the selected ATM of the list of the ATMs, presentation data based on the transaction data and the user feedback data; and demonstrating, via the selected ATM of the list of the ATMs, the personalized ATM presentation to the user based on the presentation data.

Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.

In various embodiments, there is provided a method of using an automated teller machine, wherein the ATM is coupled to a mobile phone of a user of the ATM via a Bluetooth low energy connection; a first string representative of what operating capabilities the ATM currently provides to the user is sent from the ATM to the mobile phone of the user via the Bluetooth low energy connection; and from the mobile phone, the first string is read to the user using a text-to-speech function, wherein based on the reading of the first string, the user knows what operating options the user currently has to use the ATM and can then use the ATM.

A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.