Abstract: An automated teller machine (ATM) includes at least one processing circuit configured to: receive a product inventory dataset associated with one or more merchants; establish an active communication session with a user device via at least one short-range wireless communication between the user device and the at least one processing circuit; receive a selection of at least one interactive element regarding at least one product; receive a deposit for a value of the selection; generate at least one code or token that includes information encrypted using a private key of a public and private key pair, the at least one code or token being embedded with a unique identifier; and transmit, via the active communication session and to the user device, the at least one code or token for a transaction regarding the at least one product of the plurality of products.

Abstract: Systems, methods, and computer-readable storage media for ATM recycling operations. One method includes communicably coupling to one or more merchant computing systems associated with one or more merchants. The method further includes receiving a product inventory dataset associated with one or more merchants. The method further includes receiving, via a display interface, an input initiating an ATM session. The method further includes generating and presenting, via the display interface of the ATM, a GUI including a plurality of interactive elements associated with a plurality of products of the product inventory dataset. The method further includes receiving, via the display interface, a selection of at least one interactive element regarding at least one product of the plurality of products. The method further includes receiving a deposit for a value of the selection. The method further includes generating a code that embeds a value, and transmitting the code for a transaction.

Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: Systems, methods, and computer-readable storage media for automated teller machine (ATM) recycling and merchant operations. One method includes receiving, via a communication session from a user device, a merchant voucher distributed by a merchant, and initiating an ATM session. The method further includes determining a value of the merchant voucher, and presenting, via a display interface of the ATM, a request for the determined value. The method further includes receiving a deposit regarding the determined value of the merchant voucher, and converting the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator regarding the determined value, information regarding the merchant voucher, and a unique identifier. The method further includes transmitting, to the user device, the at least one of the token or the code, and updating a ledger of the merchant.

Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: A method includes: receiving an authorization request for a transaction including information identifying an account of a user; identifying an identity of the user; determining a computing device associated with the identified user; determining a distance between a location of the transaction and a location of the determined computing device; determining that additional authentication is required based on the determined distance relative to an authentication distance such that in response to the determined distance being greater than an authorization distance but less than or equal to the authentication distance, the required additional authentication includes a first set of authentication information, and in response to the determined distance being greater than the authentication distance, the required additional authentication includes a second set of authentication information different from the first set of authentication information; and authorizing the transaction based on the additional information ma

Abstract: Systems, methods, and apparatuses for authorizing a transaction using location based transaction authentication. The method includes receiving a transaction authorization request for a transaction; determining a location of the transaction; identifying an identity of a user associated with the transaction authorization request; determining a computing device associated with the identified user; determining a location of the determined computing device associated with the identified user; determining a distance between the location of the transaction and the location of the determined computing device; determining that additional authentication is required of the identified user based on the determined distance; prompting, the user for additional authentication information; receiving a response including additional information; and, authorizing the transaction based on the additional information matching stored additional authentication information.