Abstract: Systems and methods for facilitating financial transactions are provided. A mobile computing device can receive a payment request from a merchant computing device. The payment request can include an amount of the financial transaction. The mobile computing device can transmit, via a computer network, the payment request and authentication information to a financial institution computing device. The mobile computing device can receive, via the computer network, authorization information from the financial institution computing device. The authorization information can include information indicating approval of the payment request. The mobile computing device can transmit the authorization information to the merchant computing device.

Abstract: Systems and methods for cardless authentication of a user at an automated teller machine are described. The ATM may be operated by a financial institution such as a bank. The method comprises displaying an initial screen on the ATM and authenticating the user at the ATM using authentication information transferred from a mobile device. The method further comprises determining available service options for the user of the ATM based upon the cardless authentication of the user at the ATM using the mobile device.

Abstract: A conduit assembly may comprise: a pipe; a plurality of hollow passages disposed through the pipe; and a plurality of flow guides disposed in the pipe, each flow guide in the plurality of flow guides at least partially defining a respective hollow passage in the plurality of hollow passages. The conduit assembly may act as a heat exchanger.

Abstract: Systems, methods, and apparatuses using a financial institution computing system associated with a first financial institution includes a processing circuit including a processor and memory, the memory structured to store instructions that are executable by the processor and cause the processing circuit to receive a user identification associated with a user. The user holds a first account at the first financial institution and a second account at a second financial institution, where the first financial institution is different than the second financial institution.

Abstract: A conduit assembly may comprise: a pipe; a plurality of hollow passages disposed through the pipe; and a plurality of flow guides disposed in the pipe, each flow guide in the plurality of flow guides at least partially defining a respective hollow passage in the plurality of hollow passages. The conduit assembly may act as a heat exchanger.

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: Systems and methods for cardless authentication of a user at an automated teller machine are described. A method includes receiving, by a mobile device, a proximity notification from an automated teller machine; receiving, by the mobile device, a request for authentication information regarding a user of the mobile device; and transmitting, by the mobile device, the authentication information to the automated teller machine for authentication to, in turn, enable a user to perform a financial transaction at the automated teller machine based upon the transmitted authentication information.

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.

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: 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 conduit assembly may comprise: a pipe; a plurality of hollow passages disposed through the pipe; and a plurality of flow guides disposed in the pipe, each flow guide in the plurality of flow guides at least partially defining a respective hollow passage in the plurality of hollow passages. The conduit assembly may act as a heat exchanger.

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 cooling system for a gas turbine engine may comprise a heat exchanger configured to receive a cooling airflow. The heat exchanger may receive the cooling flow at a cooling flow input of the heat exchanger and output the cooling airflow at an exhaust output of the heat exchanger. An exhaust distribution manifold may be fluidly coupled to the exhaust output of the heat exchanger. The exhaust distribution manifold may define a plurality of openings.

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: A system, method, and apparatus of authenticating and authorizing a payment are provided. A method includes receiving authentication information gathered by a point-of-sale device from a customer initiating a payment for a transaction via the point-of-sale device; receiving context information gathered by the point-of-sale device; authenticating the customer using the received authentication information; selecting a customer payment profile from a plurality of customer payment profiles to use for the transaction, based on the received context information, wherein each customer payment profile is associated with a payment account; authorizing the payment for the transaction from the payment account associated with the selected customer payment profile; and sending, to the point-of-sale device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Abstract: A mobile wallet computing system includes a processing circuit configured to receive an approval request for a prospective mobile wallet transaction from a first device associated with the purchaser, the approval request identifying the approver and including a characteristic of the prospective mobile wallet transaction, transmit a transaction notification to a second device associated with the approver, the transaction notification including the characteristic of the prospective transaction, receive an approval input from the second device, the approval input identifying a payment account of the approver that is not provisioned to the first mobile wallet account, and transmit a set of payment credentials associated with the payment account to the first device.

Abstract: A gas turbine engine comprises a first bypass flow path housing configured within the engine, radially exterior to an engine core housing, and a second bypass flow path housing configured within the engine, radially exterior to the first bypass flow path housing. An axially downstream portion of the first bypass flow path housing includes a stepwise increase in area compared with an axially adjacent upstream portion of the first bypass flow path housing, thereby defining a component placement cavity in the axially downstream portion.

Abstract: A mounting device includes a first mount portion and a second mount portion. The first mount portion is in communication with a first pin extending along a first axis. The second mount portion is in communication with a pair of opposing second pins extending along a second axis different than the first axis. The second pins are in rotational communication with and extend outward from the first pin. The first and second mount portions are configured to translate along the first and second axes and rotate about the first and second axes with respect to one another.