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. A third party computer system communicates with the financial institution computer system to register the third party customer and obtain a first passcode associated with the third party customer. The financial institution computer system communicates the passcode and an associated bill amount to the ATM. The ATM accepts and verifies a second passcode received from the third party customer. The ATM communicates with the third party computer system to verify the bill amount. Responsive to receiving the verification, the ATM communicates with the third party user to accept a payment. Upon successfully receiving the payment, and verifying the payment amount, the ATM sends a payment notification to the third party computer system.

Abstract: A method relating to ATM repair is provided. The method includes: receiving, by an electronic device associated with a repair provider, diagnostic data from an ATM; capturing, by the electronic device, an image or a video of the ATM; initiating, by the electronic device, a communication session with a remote location computing system; transmitting, by the electronic device and to the remote location computing system, at least one of the image or the video of the ATM and the diagnostic data; receiving, by the electronic device and from the remote location computing system, repair instructions including a modified version of the at least one image or video; outputting, by the electronic device, the repair instructions; receiving, by the electronic device, a user input identifying a component of the modified version of the at least one image or video; and outputting, by the electronic device, diagnostic information for the identified component.

Abstract: A robotic device includes an interface configured to receive physical money during a transaction, an onboard vault coupled to the interface and configured to secure the physical money received by the interface, an electric motor operable to move the robotic device, and a control circuit configured to control the electric motor to move the robotic device toward an intended destination at a financial institution.

Abstract: Systems, methods, and apparatuses using a processor coupled to a non-transitory machine-readable medium storing instructions. The processor is structured 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: A robotic device for transporting physical money including a receiving interface, a counter mechanism, a storage vault, and a control circuit. The receiving interface receives physical money. The counter mechanism is connected to the receiving interface and receives and counts the physical money inserted into the receiving interface. The storage vault stores the physical money counted by the counter mechanism and remains closed when the robotic device is at a first location. The control circuit determines an amount of physical money stored in the storage vault based on the counted physical money, controls a drive system of the robotic device to cause the robotic device to travel from the first location to a second location, and opens the storage vault when the robotic device reaches the second location.

Abstract: A robotic device for transporting physical money including a receiving interface, a counter mechanism, a storage vault, and a control circuit. The receiving interface receives physical money. The counter mechanism is connected to the receiving interface and receives and counts the physical money inserted into the receiving interface. The storage vault stores the physical money counted by the counter mechanism and remains closed when the robotic device is at a first location. The control circuit determines an amount of physical money stored in the storage vault based on the counted physical money, controls a drive system of the robotic device to cause the robotic device to travel from the first location to a second location, and opens the storage vault when the robotic device reaches the second location.

Abstract: Systems and methods for provisioning a mobile device are described. Provisioning of a mobile device may include binding the device to financial account(s) associated with a financial institution computing system or binding an application installed on the device to the financial account(s). Such systems and methods may use ATMs to facilitate communication with the device and retrieve a unique identifier. The unique identifier, whether received from the ATM or through another communication channel, may be used to further verify the identity of a user of the device as well as verify that the device belongs to or is being used by the same user that has the financial. Once the user is verified and the mobile device is determined to belong to or used by the user, the mobile device can be provisioned by binding either the entire device or an application on the device to the financial account(s).

Abstract: Several embodiments of the present disclosure relate to a ATM diagnostic and repair system configured to receive diagnostic data generated by diagnostic logic of an ATM, the diagnostic data comprising an error code generated by the ATM, connect with a remote location computing system, transmit the diagnostic data to the remote location computing system, receive repair instructions from the remote location computing system, and output the repair instructions.

Abstract: Systems, methods, and apparatuses using a memory device and one or more processors communicably coupled to the memory device. The one or more processors are structured to receive information relating to a mobile device of a user; receive information regarding fraudulent activity on an account; associate the information regarding fraudulent activity on the account with one or more pieces of information relating to the mobile device to associate the mobile device with fraudulent activity; detect the mobile device based on the information relating to the mobile device; responsive to detecting the mobile device, determine that fraudulent activity is associated with the mobile device; and in response, provide a notification to a component proximate to the mobile device to alert the component of fraudulent activity.

Abstract: Systems, methods, and apparatuses for enrolling a user with a product of a financial institution. A computing device associated with a financial institution includes a network interface enabling the computing device to exchange information over a network, one or more processors, and 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. The operations include establishing a short-range communication channel with a user device associated with a user based on a tap exchange and receiving personal information from the user device over the short-range communication channel. The personal information is associated with an enrollment of the user with a product of the financial institution. The operations further include providing the personal information to a computing system associated with the financial institution to enroll the user with the product.

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 app, online banking portal, etc.), by submitting a request for a branch of the financial institution to provide the specified transaction to the account holder's vehicle upon arrival of the account holder. The pickup and completion of the account holder requested transaction occurs in a designated spot near the financial institution's branch location and from the convenience of the account holder's vehicle. The curbside service alleviates the uncertainty and fluctuating time cost to engage in transactions at a branch of a financial institution by providing an account holder with a user interface to make a transaction request that will be ready to complete when the account holder arrives at the chosen time.

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 app, online banking portal, etc.), by submitting a request for a branch of the financial institution to provide the specified transaction to the account holder's vehicle upon arrival of the account holder. The pickup and completion of the account holder requested transaction occurs in a designated spot near the financial institution's branch location and from the convenience of the account holder's vehicle. The curbside service alleviates the uncertainty and fluctuating time cost to engage in transactions at a branch of a financial institution by providing an account holder with a user interface to make a transaction request that will be ready to complete when the account holder arrives at the chosen time.

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: One embodiment of the disclosure relates to a method of servicing an automated teller machine (ATM). The method includes receiving, by a computing device, diagnostic data generated by diagnostic logic of an ATM, connecting, by the computing device, with a remote location computing system, and transmitting, by the computing device, the diagnostic data to the remote location computing system. The method further includes receiving, by the computing device, repair instructions from the remote location computing system, and displaying, by the computing device, the repair instructions on a display.

Abstract: A robotic device for transporting physical money includes a receiving interface, a counter mechanism, a storage vault, and a control circuit. The receiving interface receives physical money. The counter mechanism is connected to the receiving interface and receives and counts the physical money inserted into the receiving interface. The storage vault stores the physical money counted by the counter mechanism and remains closed when the robotic device is at a first location. The control circuit determines an amount of physical money stored in the storage vault based on the counted physical money, controls a drive system of the robotic device to cause the robotic device to travel from the first location to a second location, and opens the storage vault when the robotic device reaches the second location.

Abstract: Systems, methods, and apparatuses for establishing a short-range communication channel with a financial institution computing device based on a tap exchange; receiving a request for personal information from the financial institution computing device; receiving an authorization to transmit the requested personal information; retrieving the personal information from a personal information database of the account enrollment circuit; and transmitting the personal information to enroll the user with a product of a financial institution associated with the financial institution computing device.

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: One embodiment of the disclosure relates to a system of servicing an automated teller machine (ATM) using a display configured to display augmented reality images. The electronic device may be configured to receive low-level diagnostic information from the malfunctioning ATM. Data may be transferred to a central location, wherein the data is analyzed and a solution to the problem of the malfunctioning ATM is determined and transferred back to the electronic device. In some embodiments, the electronic device displays components of the ATM using augmented reality such that a technician viewing the display may visualize the components of the ATM and receive instructions regarding the repair or care of the ATM.

Abstract: A computer-implemented data processing system includes a data storage system; and a processor and program logic stored in memory and executable by the processor, the program logic including account management logic coupled to the data storage system and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and budget logic coupled to the account management logic and configured to provide budget data including budget cash flow amounts for a user for cash withdrawals, the cash withdrawals executed via automated teller machines (ATMs). The budget logic enables the user to access and modify the budget data including the budget spending amounts via the ATMs.