Systems, methods, and computer program products are provided for validating a deposit request. The method includes receiving a deposit request from a user device. The deposit request includes a deposit transaction information relating to an intended deposit. The method also includes determining a deposit transaction confidence level based on the deposit transaction information. The deposit transaction confidence level indicates a likelihood of the intended deposit being perfected. The method further includes causing a transmission of an audit request to the user device relating to the deposit request upon determining the deposit transaction confidence level is below a confidence level threshold. The audit request includes a request to confirm one or more details relating to the deposit request. The method still further includes determining a deposit determination based on a response to the audit response. The deposit determination indicates whether the intended deposit will be executed.

An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

Advantageously, the invention is a competitor to money transfer systems. Conventional digital transactions facilitate electronic payment, such as money transfers, payment card charges, e-commerce transactions and other types of transactions. However, payees may be unbanked people (e.g., children) or people with no payment card (e.g., may have lost card), and payment card fund transfers may be expensive, time consuming, and cumbersome for financial institutions. Thus, there is need for an improved approach. The invention discloses an automated digital method of providing or sharing access to a payment card and/or similar financial account or non-card product, transactions between individuals or legal entities without physical transmission of a payment card, non-card product or its credentials, even without a recipient of an access having a payment card and/or financial account or non-card product, particularly by providing or sharing access to a payment card and/or similar financial account or non-card product of a sender.

Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC, wherein the digital transaction apparatus further includes a remaining battery life estimation system operable to detect an occurrence of at least one electrical event and to measure the duration of the at least one electrical event, each electrical event having an associated power usage amount, and, subsequent to detection of an occurrence of an at least one electrical event, the remaining battery life estimation system calculates the total energy usage using the associated power usage amount in respect of the at least one electrical event and the duration of the at least one electrical event.

Systems and methods for facilitating a disbursement of funds to a payee are provided. The methods include receiving a payment request from a payor; generating a code, such as barcode, a Quick Response (QR) code, a Near Field Communication (NFC) code, or a textual string, that corresponds to the received payment request; transmitting the generated code to the payee; validating the code when the code is entered into a payment disbursement machine, such as an automated teller machine; and disbursing at least one of the funds and a payment voucher via the payment disbursement machine.

This patent features a self-servicing electronic equipment (1) for use preferably in commercial establishments, which enables performing bank transactions and cash withdrawals in which the financial operation is performed by the electronic equipment (1) and the cash is provided by the commercial establishment. The electronic equipment (1) includes a central processing unit (14) for control and connection between devices. The electronic equipment (1) comprises a cabinet (2), including a structural part made of a thermoplastic material, comprising an upper part (21), a lower part (22), side finishing parts (23) and side closure parts (24), fingerprint reader support (16), palm vein reader support (15), external connector support (18), central processing unit support (17) and card reading and password input device support (19), internal processing center (14), card reading and password input device (3), fingerprint reader (5), palm vein reader (13), fixed base (20) and base with rotating system (10).

Aspects of the disclosure relate to a smart contactless card to detect real-time suspicious card readers or other fraudulent devices. Prior to a transaction, the smart contactless card detects suspicious card readers or fraudulent devices. An alert may be generated upon detection of any suspicious or fraudulent card reader. In some arrangements, the smart contactless card may utilize machine learning models or machine learning capabilities to detect suspicious card readers. The smart contactless card may pair with other smart contactless cards to detect and alert users to suspicious card readers or other fraudulent devices. The paired smart contactless cards may share information regarding suspicious card readers or fraudulent devices over a semi-autonomous data-sharing network. A vulnerability score may be generated and used to determine if a card reader or other payment device is suspicious.

A cash-dispensing machine (e.g., a casino kiosk or bank ATM) enables a user to use a bank card (e.g., a credit or debit card) to purchase a negotiable instrument via a quasi-cash transaction, redeem the negotiable instrument, and dispense paper currency for the redeemed negotiable instrument without having to go elsewhere (e.g., a casino cage) to redeem the negotiable instrument. The machine enables a user-verification process to be performed to verify the identity of the user before allowing the negotiable instrument to be redeemed.

Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

Embodiments of the present invention provide a system for determining real-time resource capacity of entity devices based on performing predictive analysis. In particular, the system may be configured to identify one or more users at a location of an entity device waiting to perform one or more interactions via the entity device, establish a communication link with the entity device, determine identity of the one or more users based on communicating with the entity device, calculate an estimated interaction amount associated with the one or more interactions of the one or more users, determine capacity of the entity device in real-time, identify that the capacity of the entity device does not meet the calculated estimated interaction amount, and transmit a notification to at least one user of the one or more users via the entity application present on a user device of the at least one user.