Abstract: A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.

Abstract: A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.

Abstract: Methods, systems, and machine-readable media are disclosed for financial transfers utilizing a unique identifier to facilitate flexible payment options for the transaction. According to one embodiment, a pull transaction model can be implemented. According to such embodiments, a money transfer can be initiated in a conventional manner via an agent of a money transfer facilitator. The sender of the transfer can provide an identifier for the transaction to the recipient. The recipient can in turn use the identifier, in combination with functionality of a mobile wallet application of a mobile device to request or “pull” the money transfer to an account associated with the mobile wallet application. In this way, the recipient can receive the transfer to the mobile wallet account even if the sender does not know that such a delivery is available.

Abstract: Systems and methods for enrolling customers in loyalty programs include receiving, at a loyalty program host, transaction information for a transaction initiated by a customer and determining whether the transaction information includes a customer loyalty number associated with a loyalty program. If the transaction information does not include the customer loyalty number, a loyalty enrollment process is initiated to automatically enroll the customer in the loyalty program.

Abstract: Systems and methods are disclosed for enrolling customers in loyalty programs. In one embodiment, the method comprises receiving, at a loyalty program host, transaction information for a transaction initiated by a customer and determining whether the transaction information includes a customer loyalty number associated with a loyalty program. If the transaction information does not include the customer loyalty number, a loyalty enrollment process is initiated to automatically enroll the customer in the loyalty program.