Disclosed herein are system, method, and computer program product embodiments for providing denomination selection capabilities to account holders withdrawing funds via a cardless ATM system. An account holder may queue an ATM withdrawal in desired monetary denominations from a mobile application running on their mobile device. The account holder may subsequently scan a QR code displayed at an ATM using the mobile application and receive the desired monetary denominations from the ATM, all without using an ATM card. Two other approaches are provided to an account holder when queueing an ATM withdrawal that includes denominations. In a denomination-driven request, the account holder selects denominations first and then receives a list of proximate ATMs that can satisfy the denomination request. In a location-driven request, the account holder selects an ATM first and then can tailor the denomination request to the denominations available in the selected ATM.

Disclosed herein are system, method, and computer program product embodiments for providing denomination selection capabilities to account holders withdrawing funds via a cardless ATM system. An account holder may queue an ATM withdrawal in desired monetary denominations from a mobile application running on their mobile device. The account holder may subsequently scan a QR code displayed at an ATM using the mobile application and receive the desired monetary denominations from the ATM, all without using an ATM card. Two other approaches are provided to an account holder when queueing an ATM withdrawal that includes denominations. In a denomination-driven request, the account holder selects denominations first and then receives a list of proximate ATMs that can satisfy the denomination request. In a location-driven request, the account holder selects an ATM first and then can tailor the denomination request to the denominations available in the selected ATM.

A cash processing apparatus comprises a housing provided with a depositing and dispensing section; a display section; a coin insertion section at a position at one side of a central part in a width direction of the housing and into which the coin is inserted; a coin placing section in the housing and having a coin placing surface for temporarily placing the coin, connecting to the coin insertion section side by side and extend to an opposite side across the central part in the width direction of the housing from the coin insertion section to form a shape elongated in the width direction; and a settlement module, wherein both a distance between the coin insertion section and one side end of the housing which is closest to the coin insertion section and a distance between the coin placing section and the other side end of the housing which is closest to the coin placing section are smaller than a depth distance of the coin placing section.

Systems, computer program products, and methods are described herein for intelligent allocation of resources over multiple events into an auxiliary source retainer. The present invention may be configured to determine a total amount of resources for a resource distribution between an entity and a user and receive input indicating that the user provided a transferred amount of tangible resources to the entity. The present invention may be further configured to determine a difference between the transferred amount and the total amount, where the difference includes a primary amount of resources corresponding to primary tangible resources and a secondary amount of resources corresponding to secondary tangible resources. The present invention may be further configured to allocate, from a source retainer associated with the entity, the secondary amount of resources to an auxiliary source retainer associated with an auxiliary resource distribution instrument provided by the user.

In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.

Systems and methods for transferring and storing information related to a transaction are disclosed. For example, a first request can be received to store a first amount of money related to a first transaction between a user and a first merchant. The first amount of money can be based on first change due to the user from the first transaction. A second request can also be received to store a second amount of money related to a second transaction between the user and a second merchant. The second amount of money can be based on second change due to the user from the second transaction. A balance of money can include a sum of the first amount of money and the second amount of money. A transfer of the balance of money from a for benefit of (FBO) account to a destination can be instructed.

A money depositing/dispensing apparatus comprises a coin depositing/dispensing device, configured to store coins acquired through a coin reception port, which includes a first path along which the stored coins travel to a coin dispensing port and a second path along which the stored coins travel to be saved, a bill depositing/dispensing device, configured to store bills acquired through a bill reception port and discharge the stored bills to a bill dispensing port, which is arranged at the lower side of the coin depositing/dispensing device in a space formed at the lower part of the coin dispensing port, and a container, configured to store coins traveling along the second path, which is detachably attached to the coin depositing/dispensing device in the space.

A money depositing/dispensing apparatus comprises a coin depositing/dispensing device, configured to store coins acquired through a coin reception port, which includes a first path along which the stored coins travel to a coin dispensing port and a second path along which the stored coins travel to be saved, a bill depositing/dispensing device, configured to store bills acquired through a bill reception port and discharge the stored bills to a bill dispensing port, which is arranged at the lower side of the coin depositing/dispensing device in a space formed at the lower part of the coin dispensing port, and a container, configured to store coins traveling along the second path, which is detachably attached to the coin depositing/dispensing device in the space.

When a checkout apparatus 10 serving as a money handling apparatus detects that change is left behind after dispensing of the change in a settlement mode, the checkout apparatus 10 shifts from a settlement mode to a left money retaining mode. Upon receiving money in the left money retaining mode, the checkout apparatus 10 stores information on the amount of the money, date and time of the reception, etc., in a memory, thereby managing the left money separately from proceeds from sales. Since the same money handling unit as that for the settlement is used for storage and feeding of the left money, miniaturization and cost reduction of the apparatus is realized. Since money equivalent to the left money can be dispensed as in the settlement, a complicated operation, such as opening a housing of the checkout apparatus 10, is not necessary when responding to a request for a refund of the left money.

Currency handling apparatus comprising: accommodating unit for accommodating various kinds of currencies; a currency discharge opening; a transfer unit for transferring the currencies from the accommodating units to the currency discharge opening; a control unit for controlling the transfer unit to transfer the currencies from the accommodating units to the currency discharge opening thereby to discharge the currencies; and a storage unit for storing various kinds of discharge patterns indicating the numbers of currencies of individual kinds. The control unit is constituted to specify at least one of the discharge patterns in response to the instruction of a user and to discharge the currencies in accordance with the specified discharge pattern. As a result, the user can discharge the desired numbers of currencies of individual kinds merely by performing the simple designating operations.