Abstract: Systems and apparatuses for enrolling a user with a product of an institution are provided. A computing device associated with a financial institution includes one or more processors and a non-transitory machine-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations including: establishing a short-range communication channel with a user device based on a tap exchange; syncing a graphical user interface of the computing device associated with the financial institution with a graphical user interface of the user device associated with the user; displaying, via the graphical user interface of the computing device, information associated with the user at substantially the same time that the information is displayed on the graphical user interface of the user device; and receiving an indication from the user device to transmit the information over the short-range communication channel to the financial institution.

Abstract: 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 prepared so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: An automated teller machine (ATM) diagnostic and repair system includes an image capture device, a display, a processor, and a memory. The image capture device is configured to capture at least one of images or videos. The memory includes instructions stored thereon that, when executed by the processor, cause the processor to receive diagnostic data from an ATM. The instructions, when executed by the processor, further cause the processor to capture at least one of an image or a video of the ATM using the image capture device. The instructions, when executed by the processor, further cause the processor to receive a selection of a particular component of the ATM from a user and to provide at least one of an augmented image or an augmented video of the ATM including a modified view of the particular component.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider 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 provider'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.

Abstract: Systems, methods, and apparatuses using a processor coupled to a non-transitory machine-readable medium storing instructions. The processor is configured to count a first amount of currency, wherein the first amount of currency is the actual amount of currency received by a teller money drawer, receive an indication of a second amount of currency, wherein the second amount of currency is an expected amount of currency, compare the first amount of currency to the second amount of currency, discover a discrepancy between the first amount of currency and the second amount of currency, and transmit discrepancy information to be displayed on a teller computing device.

Abstract: Systems, methods, and apparatuses for generating a budget and scope associated therewith include a provider computing system including a network interface structured to facilitate data communication via a network and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a scope and a budget. The processing circuit includes a management circuit structured to determine a scope merchant category for items offered for sale by a merchant that match the scope and wherein the management circuit is structured to interpret the budget to determine a maximum amount of funds for the purchase. The processing circuit receives a selected item. The management circuit determines a category in comparison to the scope and a cost item in comparison to the budget to determine if the cost of the item is less than the maximum amount of funds.

Abstract: Systems and methods of adjusting computing device applications, such as smartphone applications, based on external beacon identifiers are described. Based on the identifier of the beacon detected by the smartphone, the smartphone application communicates with a backend server to receive location-specific information based on the identifier of the detected beacon. The location-specific information includes a location-specific user interface. In some arrangements, the location-specific user interface includes a designated user authentication level that varies from other location-specific user interfaces.

Abstract: An automated teller machine (ATM) is provided. The ATM includes a network interface. The ATM includes an authentication circuit configured to receive data indicative of an interaction with the ATM by a user, detect that an individual computing device is in proximity to the ATM, determine that the individual computing device is not associated with a financial account, display a prompt comprising instructions to bind the individual computing device of the user to the financial account, receive data comprising a unique identifier of the individual computing device of the user, bind the individual computing device to the financial account based at least in part on the received unique identifier of the individual computing device of the user, and transmit, to the individual computing device, an application authorization, the application authorization authorizing an application to complete operations associated with the financial account via the bound individual computing device of the user.

Abstract: The present disclosure describes devices and methods for facilitating specific transactions between a seller and a purchaser. In particular, a computing device an accounts circuit, accounts database, and a network interface is disclosed. In some embodiments, the specific transaction is a layaway transaction. The computing device receives a request to facilitate the transaction between the seller and purchaser. The computing device then sets up a transient account for the transaction, facilitates funding of the account, and finalizes the transaction in response to a condition being met.

Abstract: Systems, methods, and apparatuses for providing cash back to a customer from a linked ATM after a purchase transaction are described herein. A customer initiates the transactions using a payment check. A cash back amount is determined and an authentication passcode is created. Cash back information is then transmitted to the linked ATM. The cash back information includes the cash back amount and the authentication passcode. The authentication passcode is then provided to the customer. A cash back transaction is then authenticated using the authentication passcode, and the customer is provided with the cash back amount from the linked ATM.

Abstract: Systems, methods, and apparatuses for maintaining a balance or level of cash stored within a plurality of terminals at a point of sale location are described herein. A provider computing system receives a pre-staging request and transaction information from a customer device. The provider computing system receives terminal information about a plurality of terminals from a point of sale computing system. The provider computing system then determines an appropriate terminal of the plurality of terminals for the customer to complete their intended transaction based on the transaction information and the terminal information, and transmits a notification indicating the appropriate terminal to the customer device.

Abstract: Systems, methods, and apparatuses using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a location of a mobile device; determine an identity of a user of the mobile device, wherein the identity of the user translates to a level of authorization of the user; determine a proximity of the mobile device to a plurality of financial institution devices; receive a status of the plurality of financial institution devices; and transmit, for a subset of the plurality of financial institution devices, the status of the subset of the plurality of financial institution devices to the mobile device.

Abstract: A method performed by a processor of a financial institution computing system includes receiving a curbside transaction description from a user device, transmitting a curbside set-up request to a branch location computing system associated with the branch location, transmitting curbside transaction information to the user device, receiving location information from the user device indicative of the user device being located at the branch location, receiving an authentication identifier from the user device, wherein receiving the authentication identifier initiates the curbside transaction, and servicing the account holder via a receptacle of a plurality of receptacles, the receptacle chosen based on the location information and the curbside transaction description.

Abstract: Systems, methods, and apparatuses for enrolling a user with a product of a financial institution. A mobile device includes a processor; and a non-transitory computer readable medium storing instructions, which when executed by the processor, cause the processor to: establish a short-range communication channel with a financial institution computing device based on a tap exchange; retrieve personal information associated with an enrollment of the user with a product of a financial institution associated with the financial institution computing device; provide a graphical user interface indicating each piece of personal information scheduled for transmission to the financial institution computing device prior to transmission of each indicated piece of personal information to the financial institution computing device; and selectively transmit one or more pieces of indicated personal information to the financial institution computing device to enroll the user with the product.

Abstract: Systems and methods of remotely configuring a transaction based, in part, on location information for execution by a computing device associated with a financial institution computing system include a backend system configured to receive location information associated with a user device, determine the location information associated with the user device matches a location configured for pre-staging an ATM transaction, transmit an ATM pre-stage authorization signal to the user device, transmit an authentication decision to the user device, and transmit a transaction code to the user device.

Abstract: A system includes a customer database that stores user information concerning a plurality of customers, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive an indication that a customer is within a predetermined distance from an automated teller machine (ATM), transmit, responsive to receiving the indication, an authorization signal to a customer computing device associated with the customer, the authorization signal configured to activate an ATM pre-stage function of an application implemented on the customer computing device, receive, by the network interface over the network, customer transaction preferences from the customer computing device, and authorize an ATM transaction at the ATM based on the received customer transaction preferences.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider 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 provider'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.

Abstract: 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.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider 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 provider'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.

Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. The third party computing system provides the third party customer a user interface to provide a user selected amount that the third party customer plans on depositing at the ATM. The ATM provides the third party customer a user interface to enter a passcode. The ATM provides the third party customer the ability to make a payment at the ATM. The ATM verifies that the payment matches the user selected amount, and sends a payment notification to the third party computing system.