Abstract: A method comprising receiving, via a first application and from a client device, a request for a data format conversion of transaction data; responsive to receiving the request, transmitting, via the first application, a verification request comprising an institution identifier and an account identifier to a second application, receiving, via the first application from the second application, verification that the first account identifier is associated with a valid user account; converting, via the first application, a portion of the transaction data from a first format to a second format; transmitting, via the first application, an update request to the second application, receipt of the update request causing the second application to (1) select an established connection with an institution, and (2) initiate an update transaction with the institution based on the converted transaction data; receiving, via the first application, an indication that the update transaction was successful.

Abstract: A method comprising receiving, via a first application and from a client device, a request for a data format conversion of transaction data; responsive to receiving the request, transmitting, via the first application, a verification request comprising an institution identifier and an account identifier to a second application, receiving, via the first application from the second application, verification that the first account identifier is associated with a valid user account; converting, via the first application, a portion of the transaction data from a first format to a second format; transmitting, via the first application, an update request to the second application, receipt of the update request causing the second application to (1) select an established connection with an institution, and (2) initiate an update transaction with the institution based on the converted transaction data; receiving, via the first application, an indication that the update transaction was successful.

Abstract: Apparatus and methods 10 are disclosed that provide mainline standard ATMs 12 with enhanced functionality, enabling users 16 to conduct not only conventional transactions such as deposits and/or withdrawals from checking and/or banking accounts, but more sophisticated and complicated transactions that previously have typically required an in-person interaction with a human teller or logging into the user's account via a mobile phone, personal computer, or similar device. A terminal handler 40 coordinates enrollment and verification through a database 42, and routes transactions from the ATM to the appropriate corresponding financial institution.

Abstract: Apparatus and methods 10 are disclosed that provide mainline standard ATMs 12 with enhanced functionality, enabling users 16 to conduct not only conventional transactions such as deposits and/or withdrawals from checking and/or banking accounts, but more sophisticated and complicated transactions that previously have typically required an in-person interaction with a human teller or logging into the user's account via a mobile phone, personal computer, or similar device. A terminal handler 40 coordinates enrollment and verification through a database 42, and routes transactions from the ATM to the appropriate corresponding financial institution.

Abstract: Apparatus and methods 10 are disclosed that provide mainline standard ATMs 12 with enhanced functionality, enabling users 16 to conduct not only conventional transactions such as deposits and/or withdrawals from checking and/or banking accounts, but more sophisticated and complicated transactions that previously have typically required an in-person interaction with a human teller or logging into the user's account via a mobile phone, personal computer, or similar device. A terminal handler 40 coordinates enrollment and verification through a database 42, and routes transactions from the ATM to the appropriate corresponding financial institution.

Abstract: Apparatus and methods 10 are disclosed that provide mainline standard ATMs 12 with enhanced functionality, enabling users 16 to conduct not only conventional transactions such as deposits and/or withdrawals from checking and/or banking accounts, but more sophisticated and complicated transactions that previously have typically required an in-person interaction with a human teller or logging into the user's account via a mobile phone, personal computer, or similar device. A terminal handler 40 coordinates enrollment and verification through a database 42, and routes transactions from the ATM to the appropriate corresponding financial institution.