Flexible self-service terminal (SST) transaction processing

1 . A method, comprising:

rendering a remote transaction interface on a self-service terminal (SST) based on a selection of a remote transaction option presented within a welcome screen of a native transaction interface associated with the SST, wherein the remote transaction interface is non-native to the SST and different from the native transaction interface;

processing a payment for a remote transaction by:

activating a payment peripheral of the SST based on a payment message received from the remote transaction interface; and

providing payment data from the payment peripheral to the remote transaction interface to complete the payment through the remote transaction at the SST;

wherein the remote transaction interface is associated with a workflow and transactions for a first retailer that is different from a second retailer that is associated with the native transaction interface of the SST;

performing automated age and identity verification, when the remote transaction involves a purchase of a restricted good by capturing an image of a consumer at the SST using a camera of the SST and scanning a government-issued identification card of the consumer using a government card identification scanner of the SST to compare the image of the consumer against a government-issued image of the consumer and government-issued information to verify that the consumer is of a required age and is who the consumer is purporting to be for the remote transaction; and

rendering the welcome screen with the remote transaction option within the native transaction interface on the SST once the payment for the remote transaction is verified by the remote transaction interface.

2 . The method of claim 1 further comprising, capturing metrics for the remote transaction.

3 . The method of claim 2 further comprising, providing an interface to obtain analytics relevant to the metrics.

4 . The method of claim 1 , wherein rendering the remote transaction interface further includes scanning a code from a display of a user mobile device at the SST and forwarding the code to the remote transaction interface.

5 . The method of claim 4 , wherein rendering the remote transaction interface further includes obtaining transaction details entered previously by a consumer via a user device based on the code and populating a payment screen within the remote transaction interface with the transaction details.

6 . The method of claim 1 , wherein rendering the remote transaction interface further includes rendering item selection screens for obtaining transaction details for the remote transaction within the remote transaction interface based on inputs received on the SST.

7 . The method of claim 6 , wherein rendering the item selection screens further includes rendering a payment screen within the remote transaction interface, the payment screen comprising a cash payment option to provide the payment via cash at the SST.

8 . The method of claim 7 , wherein processing further includes:

verifying, by the SST, responsive to the cash payment option being selected from the payment screen, that non-counterfeit currency is received by a media depository of the SST in an amount that is correct for the payment; and

sending, by the SST, a verification of payment to the remote transaction interface.

9 . The method of claim 8 , wherein verifying further includes sending, by the SST, an identifier associated with the first retailer of the remote transaction interface and the amount to a cloud-based reconciliation server.

10 . The method of claim 9 , wherein sending further includes transferring the amount from an account associated with the second retailer of the SST to an account associated with the first retailer.

11 . The method of claim 1 , wherein processing further includes scheduling delivery or pickup of items associated with the remote transaction upon verification of payment based on delivery selections or pickup selections received through the remote transaction interface.

12 . The method of claim 1 , wherein processing further includes receiving, by a card reader of the SST, card data read from a card provided for the payment of the remote transaction and forwarding the card data to the remote transaction interface.

13 . A self-service terminal (SST), comprising:

a media depository and dispenser;

a card reader;

a camera;

a government card identification scanner;

a processor;

a non-transitory computer-readable storage medium comprising executable instructions; and

the executable instructions when executed by the processor cause the processor to perform operations comprising:

rendering a welcome screen within a native transaction interface of the SST with a remote transaction option to perform a remote transaction on the SST with a remote retailer;

responsive to a selection of the remote transaction option, invoking a remote transaction interface associated with the remote retailer on the SST, wherein the remote transaction interface is associated with a workflow and transactions for a first retailer that is different from a second retailer associated with the SST; and

performing one or more of:

receiving a selection of a card reader payment option from the remote transaction interface;

activating the card reader; and forwarding card data read from a card to the remote transaction interface;

receiving a cash payment option and a currency amount from the remote transaction interface;

activating the media depository and dispenser; verifying non-counterfeit currency in the currency amount is received by the media depository and dispenser;

sending a verification message to the remote transaction interface; or

sending an identifier for the remote retailer and the currency amount to a cloud-based reconciliation server;

performing automated age and identity verification for the remote transaction when the remote transaction is associated with a purchase of a restricted good by capturing an image of a consumer at the SST using the camera and scanning a government-issued identification card of the consumer using the government card identification scanner to compare the image of the consumer against a government-issued image of the consumer and government-issued information to verify that the consumer is of a required age and is who the consumer is purporting to be for the remote transaction; and

rendering the welcome screen with the remote transaction option within the native transaction interface on the SST once a payment for the remote transaction is verified by the remote transaction interface.

14 . The SST of claim 13 , wherein the SST is an automated teller machine.

15 . The SST of claim 13 , wherein the SST is operated and located in an outdoor environment.

16 . The SST of claim 13 , wherein the operations associated with the invoking of the remote transaction interface further include:

receiving a loyalty identifier from a loyalty card scanned by a camera or a scanner of the SST; and

forwarding the loyalty identifier to the remote transaction interface.

17 . The SST of claim 13 , wherein the operations associated with the invoking of the remote transaction interface further include:

receiving a code scanned from a mobile device display by a camera or a scanner of the SST;

decoding the code to obtain decoded transaction information; and

forwarding the decoded transaction information to the remote transaction interface.

18 . A system, comprising:

a cloud server comprising a cloud processor,

a self-service terminal (SST) comprising an SST processor; and

a retailer server comprising a server processor;

the SST processor configured to execute instructions that cause the SST processor to perform first operations comprising:

rendering a welcome screen with a remote transaction option within a native transaction interface associated with the SST;

responsive to a selection of the remote transaction option, invoking a remote transaction interface associated with the retailer server from the SST, wherein the remote transaction interface is associated with a workflow and transactions for a first retailer that is different from a second retailer that is associated with the SST;

responsive to a payment message received from the retailer server through the remote transaction interface, activating a payment peripheral on the SST, and providing a verification of a payment received message to the retailer server through the remote transaction interface or providing card data for a payment to the retailer server through the remote transaction interface based on information provided from the payment peripheral;

responsive to cash being received as the payment at the SST, sending an amount of the payment and a retailer server identifier for the first retailer to the cloud server;

performing automated age and identity verification for a remote transaction when a purchase associated with the remote transaction is associated with a restricted good by capturing an image of a consumer at the SST using a camera of the SST and scanning a government-issued identification card of the consumer using a government card identification scanner of the SST to compare the image of the consumer against a government-issued image of the consumer and government-issued information to verify that the consumer is of a required age and is who the consumer is purporting to be for the remote transaction; and

rendering the welcome screen with the remote transaction option within the native transaction interface on the SST once the payment for the remote transaction is verified by the retailer server through the remote transaction interface;

wherein the SST includes the camera which captures the image of the consumer at the SST and the government card identification scanner which scans the government-issued identification card of the consumer;

the server processor configured to execute instructions that cause the server processor to perform second operations comprising;

hosting and initiating the remote transaction interface based on an invocation received from the SST;

obtaining transaction details for the remote transaction through the remote transaction interface;

rendering a payment screen with a cash payment option within the remote transaction interface for the payment;

responsive to a selection of the cash payment option, instructing the SST to obtain cash for the payment using the payment peripheral; and

responsive to the verification received from the SST, scheduling a delivery or a pickup of goods associated with the remote transaction based on the transaction details;

the cloud processor configured to execute instructions that cause the cloud processor to perform third operations comprising:

receiving amount and the retailer server identifier for the payment made in cash at the SST for the remote transaction;

identifying a first account associated with the first retailer and the retailer server;

identifying a second account associated with the second retailer and the SST; and

causing the amount to be transferred from the second account to the first account.

19 . The system of claim 18 , wherein the SST is an automated teller machine, wherein the SST is operated and located in a store of the second retailer that is different from the first retailer associated with the retailer server, or wherein the SST is operated and located outdoors.