Abstract: Methods, systems and apparatus for dynamic multi-level detection of compromised transaction receivers are provided. The apparatus may include a sensor communication module (“SCM”) to monitor a transaction between a card and a card reader. The apparatus may include a terminal software module (“TSM”) configured to compare sensor data with data included in a threshold lookup table. Based on the comparison, the TSM may output a threshold status. The status may indicate a violation or confirmation. The apparatus may include a dynamic mutual cryptographic authenticator (“DMCA”). The DMCA may terminate the transaction in response to receipt of the threshold violation. The DMCA may initiate an encrypted challenge response communication module (“ECRCM”) in response to receipt of the threshold confirmation. The ECRCM may verify decryption and exchange of challenges between the card and the card reader. In response to confirming the decryption and exchange of the challenges, the transaction may be authenticated.

Abstract: Example gesture based cross-channel commerce retail systems and methods are provided. Some of the example systems and methods permit a consumer to complete a Store Pick Up order, i.e., an order placed by the consumer via computer, mobile device, telephone, fax, mail-order, etc., by gesturing with a mobile device near a digital kiosk and optical sensor at a store pick up location. The mobile device and/or the digital kiosk may display media content to the consumer while the consumer completes the Store Pick Up order. In another example system, a digital kiosk is located in a public area such as an airport, shopping mall, train station, or stadium. The digital kiosk displays media content to the consumer, and the consumer may transfer to a mobile device such media by gesturing with the mobile device near the digital kiosk.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.

Abstract: Provided are a cash dispenser unit (CDU) and an automatic recovery method of the same.

Abstract: Provided are a medium handling apparatus and method for, by using a temporary storage unit, performing a tallying task in an automated teller machine. The medium handling apparatus includes a deposit/withdrawal unit configured to separate each individual medium and accumulate the medium, a discrimination unit configured to discriminate whether the media are abnormal and types of the media, a medium storage unit including a plurality of recycling cassettes, a temporary storage unit configured to temporarily store media discriminated as normal media, and a conveyance path configured to convey the media. Media in each of the recycling cassettes are temporarily stored in the temporary storage unit to confirm the number of media remaining in the recycling cassette, and the media in the temporary storage unit are conveyed back to and stored in the recycling cassette when the number of remaining media is sensed.

Abstract: A computer-implemented method for demonstrating a personalized automated teller machine (ATM) presentation to a user may include: obtaining transaction data of the user via a device associated with the user; obtaining, via the one or more processors, geographic data of the user based on the transaction data; generating, via the one or more processors, ATM data based on the geographic data of the user; obtaining, via the one or more processors, user feedback data based on the ATM data, wherein the user feedback data comprises a selection of an ATM of the list of the ATMs; transmitting, to the selected ATM of the list of the ATMs, presentation data based on the transaction data and the user feedback data; and demonstrating, via the selected ATM of the list of the ATMs, the personalized ATM presentation to the user based on the presentation data.

Abstract: An automated banking terminal for facilitating a financial transaction is provided. The automated banking terminal includes a processor, a display for presenting a set of customer menu options, and a communication interface. The automated banking terminal also includes expansion slots which have a mechanical interface and an electrical interface. Expansion modules may be connected to the processor through the expansion slots. An expansion module may be a cash dispensing module, a cash receiving and counting module, a check receiving module, a printer, a scanner, a biometric interface, a signature pad, an account card reader, or an account card programmer. The processor of the automated banking terminal is configured to detect the expansion module and determine additional menu options to supplement the customer menu options based on detecting the expansion module.

Abstract: Disclosed herein are systems and methods of automated teller machine (ATM) management. The method can include receiving, from an ATM, an operating log from an out-of-band management chip. The method can further include determining, from the operating log, that the ATM is in an out-of-service state. The method can further include transmitting instructions to the out-of-band management chip to capture a system image of the ATM. In response, the method can include receiving the system image of the ATM from the out-of-band management chip and diagnosing a fault in the ATM based on the system image. The fault in the ATM can be the fault which caused the ATM to be in the out-of-service state. Finally, the method can include transmitting instructions for one or more corrective actions to the out-of-band management chip. The corrective actions can remedy the fault in the ATM.

Abstract: A system that enables funds automatically transferred into the system from one or more funding sources in anticipation of such funds being used in association with various system components.

Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

Abstract: A mobile computing device system includes a first host application on a mobile computing device and a sub-application on the mobile computing device that is configured to selectively execute in response to execution of the first host application by the mobile computing device. A first user interface is displayed by the first host application on the mobile computing device by the first host application. The sub-application is configured to execute a method including determining a location of the mobile computing device, and if the mobile computing device is determined to be at a location within a predetermined geographic area, then generating an alert message including digital content associated with the first geographic area, and displaying the alert message on the first user interface. If the mobile computing device is not determined to be at a location within the predetermined first geographic area, then not displaying the alert message on the first user interface.

Abstract: A valuable media sanitizing/cleansing cassette is provided for sanitizing/cleansing surfaces of valuable media dispensed to a consumer during a dispense transaction at a transaction terminal. Dispensed media is urged from one or more media cassettes within the terminal along a transport path. The transport path is altered to pass the media through the sanitizing/cleansing cassette where the top and bottom surfaces of the media are illuminated with Ultraviolet (UV) radiation to eradicate any bacteria or virus that may be adhered to the top or the bottom surfaces of the media. Once the media passes through the sanitizing/cleansing cassette, the now sanitized/cleansed media is urged along a remainder of the transport path and dispensed from a media interface of the terminal to the consumer. In an embodiment, media deposited at the terminal is also sanitized/cleansed by passing through the sanitizing/cleansing cassette before being stored in the appropriate media cassettes.

Abstract: A transaction method for a user using a first and a second terminal and connected to a server via a first and a second communication channel, respectively. The first terminal sends a transaction amount to the server. The server establishes a verification code whose length depends on the transaction amount, then sends a request to the first terminal and the verification code to the second terminal. The user returns the request filled in with a copied code to the server using the first terminal. The server compares the verification code with the copied code and sends a transaction validation or invalidation message to the first terminal depending on the comparison.

Abstract: The present invention concerns a cryptocurrency-cash gateway, comprising a wallet interface (403) for communicating over a network with at least one crypto wallet (102) and an EFT gateway interface (404) for communicating over a network with at least one electronic funds transfer, EFT, gateway or financial institution (407), wherein the cryptocurrency-cash gateway is operable to perform a cryptocurrency-to-cash transaction for allowing a user to withdraw cash at an automatic transaction machine, ATM (110), or a point-of-sale, POS, system (110B) by exchanging a corresponding amount of a cryptocurrency from the crypto wallet(s); or conversely allowing the user to deposit cash at an ATM or POS system and exchanging it for a corresponding amount of a cryptocurrency to be deposited in at least one crypto wallet of the user.

Abstract: Using composite cipher technology building a single ciphertext C that will decrypt to the true (hot) plaintext Ph using key Kh, and to plaintext Pj?Ph using key Kj?Kh, thereby a single file C will carry any number of distinct plausible messages where an attacker cannot sort them out, but the intended reader who knows which key is Kh will decrypt the ciphertext C to Ph. Encryption and Decryption happens in a stand-alone, not Internet connected box—the Innocence Box.

Abstract: Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A user of a mobile app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where kiosk access is needed, receive instructions to visit a kiosk and scan the encoded identifier displayed by the kiosk. The scanned encoded identifier may be associated with the transaction, and the mobile app may transmit a request to complete the transaction at the kiosk.

Abstract: Implementations described and claimed herein provide systems and methods for till management. In one implementation, a recycling of notes is triggered using a recycler controller. The notes are recycled using a cash recycler, and the notes corresponding to a till. A coin value of plurality of coins corresponding to the till is recorded using the recycler controller. The coin value is determined by capturing a weight of a set of coins of the plurality of coins corresponding to a designated coin denomination. The weight of the set of coins is captured using a coin scale. The till is validated based on the coin value and the recycling of the notes.

Abstract: Information-security LoRa-wave sensing is used to protect ATMs with LoRa modulator with spread-spectrum modulation techniques and/or transparent laser-guided systems 3D image generation to scan/monitor ATM card slots and ATM keypads for skimmers, fake keypads, etc. Sensor(s) with a DCNN/StNet-based algorithm are trained on 3D dimensions for card slot and keypad. Normal vs. detected constant weight of the keypad as well as weight distribution when keys are depressed are detected. Normal vs. disrupted signals based on the foregoing are observed and used to detect unauthorized objects. NB-IoT LoRa-waves initiate an alarm process. Additional features, functionality, and details are disclosed.

Abstract: A user can submit a request to a server associated with an ATM. The request can be submitted from a device (or portable device) of the user. The server can evaluate the request and designate which ATM or ATMs are best suited to process the request. This determination can be based on availability of resources on the ATM. Subsequently, the server can transmit a communication to the device of the user and the designated ATM. The communication can cause both the device and the ATM to emit a sound or display a visual cue to guide the user to approach the designated ATM. The device and the ATM can emit various patterns of sound to better guide the user to approach the designated ATM.

Abstract: Embodiments provide an alert management and real-time verification system. The system obtains an electronic file that includes a cashier's check data structure comprising cashier's check information for one or more cashier's checks presented at a first institution. The system automatically parses the cashier's check information into one or more cashier's check events according to routing numbers in the cashier's check information. The system sends an electronic verification request message to each second institution identified by one of the routing numbers. The electronic verification request message includes an account number and an amount of the corresponding cashier's check. On receiving a response to the message, the system determines, based on the electronic verification response message, whether the cashier's check has been verified, and sends an electronic response message to the first institution that indicates whether the cashier's check has been verified.

Abstract: Systems and methods are disclosed for electronic transaction messaging conversion. One method comprises receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data associated with a transaction. Upon validating the authorization request message, a provisional authorization response message may be generated and sent to the POS device. Subsequently, a capture message may be received from the POS device, requesting clearing and settlement of the transaction. The capture message may be validated and translated to a composite message that is single-message system (SMS)-compatible. The composite message may then be sent downstream for further processing.

Abstract: A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

Abstract: Systems and methods for processing checks with machine-readable optical labels are disclosed. In one embodiment, a method for processing checks with machine-readable optical labels may include (1) receiving, by a presenting bank computer program executed by an electronic device, a check comprising a machine-readable optical label printed thereon, wherein the machine-readable optical label comprises a payor bank routing number that is encrypted with a private key for a payor bank; (2) reading, by the presenting bank computer program, the machine-readable optical label; (3) decrypting, by the presenting bank computer program, the machine-readable optical label using a public key corresponding to the private key; (4) identifying, by the presenting bank computer program, the payor bank routing number from the machine-readable optical label; and (5) routing, by the presenting bank computer program, the check to the payor bank associated with the payor bank routing number.

Abstract: The present disclosure is directed towards systems and methods for aiding compliance with tax collection and reporting obligations. Distributed ledgers may assist with the verified calculation of taxes owed through the use of identity wallets and cryptocurrency transactions may be employed to effectuate payment to sellers as well as payment of taxes owed to the appropriate tax authorities. Verification of identity sources and of tax calculation and transmission engines may reduce compliance obligations on the part of sellers.

Abstract: In one embodiment, a method includes receiving, from a receiver processor, a transaction authorization request to authorize a transaction associated with a transfer of resources to a receiving entity from a user, the request including publicly routable account credentials of a virtual bank account (VBAN) generated by the receiver processor, the VBAN being associated with the receiving entity, the user, and a stored value balance of an external resource account generated by a receiver financial entity associated with the user, retrieving, from a VBAN database, a transaction resource configuration of the VBAN decoupled from the external resource account, determining whether parameters of the transaction resource configuration are satisfied based on metadata associated with the request, and transmitting, to the external server, a transaction authorization response indicating whether the transaction is authorized to cause the stored value balance to be reduced based on the transfer of resources.

Abstract: Embodiments of the invention are directed to systems and methods of securely transmitting account credentials, such as a token. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.

Abstract: The present disclosure relates to systems, non-transitory computer-readable media, and methods for utilizing machine-learning models to determine take-over scores and intelligently provide or limit access to account features. In particular, in one or more embodiments, the disclosed systems can train and utilize digital security machine-learning models to generate a take-over score indicating a likelihood that the request to access the secure digital account is unauthorized activity. Based on the determining that the take-over score satisfies a take-over threshold, the disclosed systems can allow access to the secure digital account by providing secure account information but prohibit access to a subset of account features.

Abstract: A system includes a cassette including a bill storage component to retrievably store the plurality of bills, and a picker system to retrieve one or more bills stored in the bill storage component. The system further includes memory and one or more processors communicatively coupled to the cassette, the memory having instructions that, when executed by the one or more processors, cause the one or more processors to generate a bill list comprising bill information for each bill of the plurality of bills stored by the bill storage component where the bill information includes a denomination and a storage position of each of the plurality of bills, receive a transaction request, identify a storage position of a target bill from the bill list for dispensing based on the transaction request and a denomination of the target bill, and cause the picker system to retrieve the target bill for dispensing.

Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

Abstract: A system that dynamically adjusts an operation of software running on a first mobile device is provided. The system may include an application. The system may include an authentication module configured to authorize a user's login credentials, capture a biometric characteristic of the user, and authenticate the captured biometric characteristic based on a comparison to a stored biometric characteristic. The system may also include a tracking module configured to track a location of each of the plurality of mobile devices and based on the location, determine a number of mobile devices within a pre-determined range to the first mobile device. The system may include a throttling module configured to adjust the operation of the application based on the number of mobile devices, the adjusting including at least one of operating the application in read-only mode, partial-access mode and full-access mode and re-adjusting when a change in location is detected.

Abstract: A method for dedicating a set of digital tokens of a single type includes obtaining a set of digital tokens of the single type from a pool of digital tokens of the single type that includes the set of digital tokens of the single type; and individually, separately and uniquely marking a record for each of the set of digital tokens of the single type with a first identifiable characteristic dedicated only to the set of digital tokens of the single type by adding data with the first identifiable characteristic and limited only to the set of digital tokens of the single type to the record for each of the set of digital tokens of the single type.

Abstract: In some implementations, a backend server and/or a middleman server may receive, from a front-end device, a request including an indication of a physical identifier associated with a user. The backend server and/or the middleman server may determine that the physical identifier is associated with an indication of theft. Accordingly, the backend server and/or the middleman server may transmit the indication of theft to one or more additional backend servers associated with the user. Additionally, the backend server and/or the middleman server may transmit, to a user device, a coded message indicating theft, where the coded message is sent using a communication method consistent with a setting associated with the user. In some implementations, the backend server and/or the middleman server may transmit a one-time authorization to the front-end device and may store an indication not to authorize an additional request including the indication of the physical identifier.

Abstract: Disclosed embodiments may include a system that may receive first level authentication data from a first user, identify a first user device associated with the first user, and determine whether a current location of the first user device is within a predetermined proximity of a first computing device. In response to the determination, the system may detect one or more objects within the predetermined proximity of the first computing device using the one or more positional sensors. The system may determine that at least one of the one or more objects is associated with a human, and in response, trigger a security measure. The system may transmit an indication of the triggered security measure to the first computing device, and may transmit instructions to the first user device configured to cause the first user device to provide an alert to the first user.

Abstract: In some implementations, a device may receive information indicating that an instrument has been provided by a user to a recipient. The instrument may be associated with a value, and the instrument may be designated for the recipient. The device may determine, using the machine learning model, a prediction of a time of an event associated with the instrument based on the recipient. The event associated with the instrument may result in a reduction of a balance of an account of the user. The device may transmit to another device of the user, a notification indicating the prediction of the time of the event associated with the instrument.

Abstract: Systems and methods are provided to process payments for subscribership within a membership platform. Exemplary implementations may: obtain benefit information for content creators of a membership platform; obtain payment processor information characterizing payment processing entities; obtain transaction information characterizing requested transactions between the content creators and the subscribers; determine which of the payment processing entities should process the requested transactions; execute the requested transactions using the payment processing entities; and/or perform other operations.

Abstract: Systems and methods for performing fund transfers at an automated teller machine (ATM) are disclosed. The systems and methods include using authentication transaction keys to enable a transferee device to facilitate an ATM withdrawal. The fund transfer is based on pre-defined ATM transaction parameters, which include an amount of funds for the transaction and a geographic limitation for an ATM at which the transaction may occur. Funds can be transferred in response to authentication of the authentication transaction key and confirmation that the ATM corresponds to the geographic limitation for the ATM.

Abstract: A smart-dust information security and energy optimization process/machine/system is disclosed for use with an ATM. Tiny microelectromechanical systems (MEMS) less than 1 mm in size are deployed and distributed in and around the ATM internal and external components. The MEMS include various sensors to detect component malfunctions and identify security threats (e.g., card skimmers), and also to place the ATM in a reduced energy state whenever possible. MEMS interoperable components and sensors may include, inter alia, batteries, wireless transmitters/receivers, processors, memory, analog-to-digital converters, LIDAR, photo detectors, vibration detectors, motion detectors, wireless signal detectors for detecting Bluetooth or RFID signals, temperature sensors, humidity sensor, a power consumption/induced electromagnetic energy sensors, piezoelectric sensors, sound sensors, etc.

Abstract: A method may include receiving, via a processor, a request for payment of a payment amount from a first computing system. The method may also involve receiving a location of the first computing system, identifying one or more automatic teller machines (ATMs) based on the location of the first computing system, generating an image configured to cause the one or more ATMs to dispense funds that correspond to the payment amount, and sending the image to the first computing system.

Abstract: A method and system are provided for autonomously controlling and monitoring automatic teller machines (“ATMs”), leveraging a network of low-orbit satellites, during an ATM distress event. The method and system may include creating, using an ATM distress program in a first ATM, a distress message payload (“DMP”) associated with the first ATM. The method and system may include creating, using a data recovery and purge program in one or more ATMs (“the ATMs”), data recovery and purge payloads (“DRAPPs”) associated with the ATMs. The method and system may further include storing the DRAPPs in low-orbit satellites in a network of low-orbit satellites. The method and system may include running a recovery/purge orchestration engine to identify an optimal pathway for transporting the DRAPPs. The pathway may include low-orbit satellites in the network of low-orbit satellites as carriers for the DRAPPs to a centralized server.

Abstract: Systems, methods, and computer-readable storage media utilized for transferring math based currency (“MBC”) at a financial institution. One method includes storing a plurality of private and public key pairs in a pooled database. The method further includes receiving, from a customer computing device of a customer, a request for an MBC address to transfer an amount of MBC to a recipient. The method further includes creating a first private and public key pair associated with a first MBC address. The method further includes providing, to the customer computing device, the first MBC address. The method further includes receiving, from an MBC wallet application, an MBC transaction request for the amount of MBC, the MBC transaction request comprising the first MBC address. The method further includes transferring the amount of MBC to the first MBC address and storing the first private and public key pair in the pooled database.

Abstract: Example implementations include a method, apparatus and computer-readable medium for person detection by a computer device, comprising receiving a plurality of video frames from a camera located in an environment, wherein the video frames include a depiction of a person in the environment. The implementations further include identifying attributes of the person from the video frames and comparing the attributes with attribute entries in a database of suspicious persons, wherein the database of suspicious persons includes attributes of a plurality of persons associated with an alert in the environment. The implementations include retrieving a profile indicative of an alert history of the suspicious person in response to determining a match between the attributes of the person and an entry in the database corresponding to a suspicious person, and transmitting, to a second computer device, the retrieved profile and a notification that indicates that the suspicious person is in the environment.

Abstract: Described are a system, method, and computer program product for real-time automated teller machine (ATM) fraud detection and prevention. The method includes receiving transaction data of a plurality of transactions in real-time during processing at a transaction service provider system. The method further includes storing the transaction data in a distributed cache and receiving a transaction request for a user transaction at an ATM using a payment device. The method further includes modifying a profile of ATM activity stored in the distributed cache and comparing at least one metric of the profile to at least one predetermined ATM activity threshold. The method further includes activating a fraud prevention operation before the user transaction is completed at the ATM, including declining the user transaction, disabling a transaction account, communicating an alert to an issuer, or any combination thereof.

Abstract: Systems and methods are disclosed for determining a visual indicator for a package based on a delivery address for the package and a location of the delivery address along a delivery route. An optimized delivery route may be created for packages to be delivered at a given time. At the fulfillment center, a delivery system may label a package prior to loading the package on a delivery vehicle. The delivery system may determine the appropriate visual indicator (e.g., color and/or pattern) or the visual indicator may be randomly selected. The delivery system may generate a label having the visual indicator. The package may be deposited into a certain bin with other packages having a delivery address in close proximity. The delivery system may generate a user interface on a user device that indicates that the package has a certain visual indicator to facilitate sorting and identification of the package.

Abstract: Provided is an emergency management system including at least one processor in communication with an electronic payment processing network, the electronic payment processing network including a transaction processing system, a plurality of merchant systems associated with merchant locations, and a plurality of issuer systems. The at least one processor is programmed or configured to retrieve, from the electronic payment processing network, transaction data associated with a plurality of transactions and determine an operational status of at least one first entity associated with the plurality of transactions based on the difference between a first transaction count and a second transaction count, and in response to determining the operation status of the at least one first entity, automatically communicate a message to at least one second entity based on the operational status of the at least one first entity.

Abstract: An automated teller machine (“ATM”) includes a network interface, a display device, and an input/output device. The ATM 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 receive authentication information from the customer and authenticate the customer using the authentication information, retrieve a real-time rewards balance of a rewards account associated with the customer, generate a banner for the customer based on the real-time rewards balance, and display the banner to the customer. The banner is selectable and activates a rewards functionality of the ATM to cause the ATM to display a screen including at least one of the real-time rewards balance or an option for the customer to redeem the rewards balance held by the customer when the banner is selected.

Abstract: Techniques for transacting with a kiosk are provided. A user activates a remoting feature of a kiosk. A kiosk agent on the kiosk directly or indirectly causes a link to be sent to a mobile device of the user. The link when activated on the mobile device providing an interface for transacting with the kiosk from the mobile device.

Abstract: An ATM system includes a back-end server, an ATM central processing unit (ATM CPU) that receives information relating to the ATM system and a mobile computer. The mobile computer provides a CPU (MC CPU) and a keypad. The mobile computer may also provide a touch screen configured to display an initial ATM display. The ATM system also includes an interface system for interfacing between the ATM CPU and MC CPU. The back-end server formats and transmits to the ATM an API call. The API call requests a location of the user, ATM device information, and identification information of the user. The mobile computer is configured to respond to the API call by providing the location, the ATM device information, and the identification information of the user to the back-end server.

Abstract: Systems and methods for contactless transactions are described. A method includes transmitting, by a mobile device having a provider institution mobile application, a first data payload to a user-interactive device via a first short-range wireless communication, and launching the provider institution mobile application on the mobile device based on the first short-range wireless communication. The method further includes transmitting authentication information to the user-interactive device via a second short-range wireless communication, receiving a request for transaction information from the user-interactive device via the second short-range wireless communication, and transmitting transaction information to the user-interactive device via a third short-range wireless communication as part of the transaction.

Abstract: Methods and systems related to design, test, development, certification, deployment, and maintenance infrastructures for payment solutions are disclosed herein. A disclosed system includes a software binaries generator for generating an executable for a source code file. The source code file includes an EMV kernel. The disclosed system also includes a testing environment that accepts the executable and simulates the executable with a virtual payment processing hardware system in a simulation. The testing environment verifies EMV compliance for the executable via the simulation. The disclosed system also includes a security module that generates a proof of trust for the executable in response to the testing environment verifying EMV compliance for the executable and provides the proof of trust for the executable for an external EMV compliance authority.

Abstract: A housing facilitates a service operation for a transaction device. The housing is communicatively coupled to a housing control computing system. The housing includes a user interface comprising a first input/output (I/O) device that is communicatively coupled to the housing control computing system. The housing includes a transfer cassette interface structured to receive a transfer cassette that is structured to retrievably store banknotes. The transfer cassette interface is coupled to a sensor structured to detect when the cassette is docked and detect an identification of the cassette. The housing also includes a transaction device interface that is structured to couple to a first cassette port and, responsive to the transfer cassette interface receiving the cassette, operably couple the cassette to a transaction device transport apparatus. The transaction device transport apparatus is structured to facilitate transporting banknotes to and from the cassette and a first storage cassette.