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.

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.

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.

A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

In some implementations, a system may receive a record associated with an operation of the terminal. The system may determine that the operation is associated with a service involving a user of the terminal. The system may determine, based on the service and from location information in the record, a location of the terminal. The system may determine that an agent device is available in association with providing the service for the user, wherein the agent device is determined to be available based on a status of an application session of the agent device. The system may perform an action associated with the application session to enable the agent device to facilitate performance of the service for the user.

A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

The present disclosure includes a device for recycling a payment card, which can include a payment card receiver for receiving a payment card that has a substrate and an information-saving component, an image capture device configured to identify a location of the information-saving component on the substrate, a separating device configured to remove the information-saving component from the substrate, and a storage portion configured receive the substrate and the information-saving component.

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.

The present disclosure includes a device for recycling a payment card, which can include a payment card receiver for receiving a payment card that has a substrate and an information-saving component, an image capture device configured to identify a location of the information-saving component on the substrate, a separating device configured to remove the information-saving component from the substrate, and a storage portion configured receive the substrate and the information-saving component.

The present disclosure includes a device for recycling a payment card, which can include a payment card receiver for receiving a payment card that has a substrate and an information-saving component, an image capture device configured to identify a location of the information-saving component on the substrate, a separating device configured to remove the information-saving component from the substrate, and a storage portion configured receive the substrate and the information-saving component.