Abstract: An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Abstract: Systems and methods for establishing a pull payment relationship are disclosed. A method includes: generating, by a computing system, a transaction code associated with a payee; receiving, by the computing system and from a user device associated with a payor, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during a contact or a near-contact event; establishing, by the computing system, a payment relationship between the payee and the payor responsive to receiving the transaction codes from the user device associated with the payor; receiving, by the computing system, a payment request; determining, by the computing system, that the received transaction codes contained in the payment request match the transaction codes of the payee and the payor stored by the computing system; and processing, by the computing system, the received payment request.

Abstract: An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory.

Abstract: A method includes generating a transaction code associated with a payee; generating and providing a payee device token to a payee user device; receiving an indication of a contact or a near-contact event between the payee user device and a payor user device; receiving from the payor user device, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during the contact or near-contact event; establishing a payment relationship between the payee and the payor responsive to receiving the indication and the transaction codes from the payor user device; receiving a payment request; determining that the payment request originated from the user device identified by the payee device token, and that the received transaction codes contained in the payment request match stored transaction codes of the payee and the payor contained in a database; and processing the received payment request.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Abstract: Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Abstract: An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: Examples described herein relate to apparatus and methods for transferring funds based on location including, but not limited to, receiving, by a financial institution computing system, a location-based transfer request from a first user device associated with a first user, wherein the location-based transfer request comprises at least an identification of a location, a transfer amount, and an identification of a second user, wherein the second user is a recipient of the location-based transfer request, determining, by the financial institution computing system, that a second user device is at the location, wherein the second user device is associated with the second user; and in response to determining that the second user device is at the location, initiating, by the financial institution computing system, a transfer of the transfer amount to an account associated with the second user.

Abstract: Systems, methods, and apparatuses using a server system including a processor and memory having instructions stored in non-transitory machine-readable media. The server system is structured to couple to an account of a donor, receive financial history from the account, analyze a financial health of the donor based, at least in part, on the financial history, identify a topic of interest of the donor based, at least in part, on the financial history, recommend at least one of a plurality of charities to the donor based at least in part on the topic of interest of the donor, and recommend a donation amount to one of the plurality of charities based at least in part on the financial health of the donor.

Abstract: The present disclosure relates to systems and methods for redeeming financial rewards for cash at an ATM. A customer inputs financial account credentials into an ATM, and these credentials are relayed to a financial institution computing system. The financial institution computing system then authenticates the customer by determining whether the input credentials match credentials stored in a database associated with the financial institution computing system. Once the customer is authenticated, the financial institution computing system polls the customer database and determines whether the customer has earned any rewards through usage of the financial account. Any available rewards are converted to a cash value and transmitted back to the ATM for view by the customer. Upon receipt of a customer indication that they wish to redeem the reward, the ATM is then configured to dispense the converted reward amount to the customer.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.