Abstract: The invention includes systems and methods for identifying and verifying the identity of a user of a kiosk using an external verification system. The kiosk receives customer input data that indicates the identity of the user of the kiosk. The kiosk generates an identification query that includes at least some customer input data. The kiosk transmits the identification query to an external verification system. The kiosk receives a verification response from the external verification system. The kiosk then processes the verification response to verify the identity of the user of the kiosk. These systems and methods advantageously provide identification and verification of the identity of a user of a kiosk. With sufficient identification and verification, financial institutions can comply with government regulations designed to reduce the opportunity for money laundering, terrorism, fraud, and identity theft while offering users of kiosks a wider range of financial services.

Abstract: Systems and methods for generating revenue from banking transactions use a kiosk to perform financial services. The kiosk determines a stored-value account related to a stored-value card for a user of the kiosk. The kiosk performs a banking transaction using the stored-value account. The kiosk then determines a service fee for the banking transaction. The kiosk deducts the service fee from the stored-value account or a value of the banking transaction.