Abstract: An automated teller machine (“ATM”) includes a network interface, a display device, and an input/output device. The ATM further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive authentication information from the customer and authenticate the customer using the authentication information, retrieve a real-time rewards balance of a rewards account associated with the customer, generate a banner for the customer based on the real-time rewards balance, and display the banner to the customer. The banner is selectable and activates a rewards functionality of the ATM to cause the ATM to display a screen including at least one of the real-time rewards balance or an option for the customer to redeem the rewards balance held by the customer when the banner is selected.

Abstract: A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request.

Abstract: A provider system includes one or more processors and non-transitory computer-readable media comprising instruction stored thereon that, when executed by the one or more processors, cause the one or more processors to receive, from an automated teller machine (ATM), deposit information corresponding to an interaction between a customer and the ATM, extract an event indicator value from the received deposit information, process the event indicator value, determine an event indicator trend for the ATM, and determine, based on the event indicator trend, a service condition of the ATM.

Abstract: Identification information is received at a transaction machine. The identification information is associated with a user associated with an account. Using an activity profile of the user, a determination is made to enable chained transactions during the user's use of the transaction machine. A sequence of user interfaces to display to the user is generated enabling the user to chain transactions based on the activity profile.

Abstract: An automated teller machine (“ATM”) includes a network interface, a display device, and an input/output device. The ATM further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive authentication information from the customer and authenticate the customer using the authentication information, retrieve a real-time rewards balance of a rewards account associated with the customer, generate a banner for the customer based on the real-time rewards balance, and display the banner to the customer. The banner is selectable and activates a rewards functionality of the ATM to cause the ATM to display a screen including at least one of the real-time rewards balance or an option for the customer to redeem the rewards balance held by the customer when the banner is selected.

Abstract: A provider system includes an automated teller machine (ATM) and a providing computing system that includes an input/output logic configured to receive, from the ATM, deposit information corresponding to an interaction between a customer and the ATM, and that includes an event indicator relay logic configured to extract an event indicator value from the received deposit information, process the event indicator value, determine an event indicator trend for the ATM, and determine, based on the event indicator trend, a service condition of the ATM.

Abstract: A system includes a location identifier device configured to receive location information from a user device; a surveillance device configured to capture video surveillance; and a computer system. The computer system is configured to: receive the location information; receive a request for an ATM transaction that includes attribute information associated with the user; obtain, from the received video surveillance, captured attribute information associated with the user; determine that the captured attribute information at least partially matches the received attribute information; transmit a transaction code to the user device based on (i) the location information from the user device being within the area, (ii) the captured attribute information at least partially matching the attribute information, and (iii) the identification of the user associated with the request; and facilitate the ATM transaction based at least partially on the received transaction code.

Abstract: Identification information is received at a transaction machine. The identification information is associated with a user associated with an account. Using an activity profile of the user, a determination is made to enable chained transactions during the user's use of the transaction machine. A sequence of user interfaces to display to the user is generated enabling the user to chain transactions based on the activity profile.

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: An automated teller machine includes a near-field communication (“NFC”) device, a networking interface configured to communicate data via a network, a display device configured to present information to a customer, and an input/output device configured to exchange data with the customer. The automated teller machine further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to establish an NFC session with a mobile device of the customer, the mobile device having a mobile wallet, the mobile wallet including an inactive payment token representing a payment card held by the customer. The instructions further cause the processing circuit to receive at least one authentication credential relating to the payment card from the customer, verify the at least one authentication credential, and activate the inactive payment token.

Abstract: A method for authenticating a transaction includes replacing a first security value of a transaction device with a second security value; receiving, during a first transaction, the second security value; authenticating the first transaction based at least in part on the second security value; determining that a predetermined number of transactions have occurred during which the second verification value was not rewritten since the second security value was replaced; responsive to determining that the predetermined number of transactions have occurred, replacing the second security value on the transaction device with a third security value; receiving, during a second transaction, the third security value; and authenticating the second transaction based at least in part on the third security value.

Abstract: Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine. Using an activity profile of the account holder, a determination is made to enable chained transactions during the account holder's use of the transaction machine. A sequence of user interfaces to display to the account holder is generated enabling the account holder to chain transactions based on the account holder chaining transactions during prior transaction machine usage.

Abstract: Methods and systems for completing financial operations via a contactless automated teller machine are disclosed. An ATM includes a network interface circuit enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a input/output device of a mobile device, and an ATM circuit. The ATM circuit receives an ATM transaction request via a short-range wireless communication between the mobile device and the input/output device. The ATM transaction request includes authentication information associated with a user of the mobile device. The ATM circuit transmits the ATM transaction request to the network for approval and receives an approval message from a financial institution computing system indicating that the user is authorized to create financial operation requests. The ATM circuit completes a financial operation request created by the user by dispensing an amount of a currency or displaying requested account information.

Abstract: A system for processing a deposit can include a financial institution computing system for use in processing a deposit from a customer at an automated teller machine (ATM). The system can include input/output logic configured to receive, from the ATM, deposit information and an event indicator value corresponding to an interaction between the customer and the ATM; confidence score generating logic configured to analyze the deposit information received from the ATM and to determine a confidence score related to an amount of the deposit based on the analysis; and a risk-decisioning system including funds availability logic configured to calculate an availability value based on the event indicator and the confidence score. The risk-decisioning system can be configured determine that the availability value is greater than an availability threshold, and to responsively make an amount of funds available to the customer for withdrawal at the ATM.

Abstract: An automated teller machine (“ATM”) is associated with a financial institution (FI). The ATM includes a network interface circuit (“NFC”) enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a mobile wallet circuit on a mobile device associated with a customer, and a processing circuit communicably engaged to the network interface circuit and the input/output circuit. The processing circuit includes a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive, by the input/output device; a payment token from the mobile wallet circuit; determine whether the payment token is associated with the FI; in response to determining that the payment token is associated with the FI, detokenize the payment token to identify an customer account; and process an ATM transaction using the customer account.

Abstract: Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.

Abstract: Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine and includes a transaction card type. Using the identification information, activity profile information is accessed for the account holder. The account holder's transaction machine usage is monitored and activity profile information related to the account holder's transaction machine usage is stored. A custom sequence of user interfaces to be displayed to the account holder is generated based on the transaction card type.

Abstract: Methods and systems for completing financial operations via a contactless automated teller machine are disclosed. A financial institution computing system includes a network interface circuit exchanging information over a network, a customer database retrievably storing financial information relating to a plurality of customers, and a data exchange circuit. The data exchange circuit receives a financial operation request. The financial operation request is generated by an automated teller machine in response to a payment token received from a mobile wallet circuit on a mobile device. The data exchange circuit authorizes the financial operation request based on information in the customer database.

Abstract: Systems, methods, and apparatuses for making a deposit by a customer are provided. The system includes a financial institution computing system. The financial institution computing system is communicable with an ATM over a network, and structured to receive deposit information from the ATM and to determine an amount of funds from the deposit that are available to the customer for immediate withdrawal at the ATM based on the deposit information. The deposit information includes an event indicator. The event indicator has a first value when the customer voluntarily enters a keyed-in deposit amount into the ATM, a second value when the customer is prompted to enter a keyed-in deposit amount into the ATM by the ATM, and a third value when the customer does not enter a keyed-in deposit amount into the ATM. The first value, the second value, and the third value are all distinct from one another.