Automatic teller machine (ATM) electronic push requests

1. A system, comprising:

an automatic teller machine (ATM) apparatus, comprising:

a display screen;

a physical currency receiving device configured to accept physical banknotes;

a user input device;

a first processor; and

a first non-transitory computer-readable storage medium having instructions stored thereon that are executable to cause the apparatus to perform first operations comprising:

receiving a deposit of physical currency;

via the user input device, receiving an electronic funds transfer request specifying only an email address as an identifier for transfer of a specific amount of currency, the specific amount of currency comprising at least a portion of the deposit of physical currency, wherein the electronic funds transfer request does not identify a particular financial entity to receive the specific amount of currency; and

a networked server, configured to communicate with the ATM apparatus, comprising:

a second processor; and

a second non-transitory computer-readable storage medium having instructions stored thereon that are executable to cause the networked server to perform second operations comprising:

determining, via database query, that no existing receiving account corresponds to the email address;

responsive to the determining, creating a holding account linked to the email address;

transmitting, from the networked server to an email server, an email message to the email address that includes one or more financial entities as linking options for the holding account;

receiving, at the networked server, an indication of a linking selection of a particular entity of the one or more financial entities;

based on the linking selection, transmitting, to a computer system associated with the particular entity, an account creation request for the particular entity;

receiving an indication that a new currency-bearing account has been created responsive to the account creation request, wherein the new currency-bearing account is identified by a unique identifier within the ACH network; and

responsive to the indication, automatically transferring funds from the holding account to the new currency-bearing account over the ACH network using the unique identifier and not the email address.

2. The system of claim 1 , wherein the first operations further comprise crediting the deposit of physical currency to an existing deposit account of a user of the ATM.

3. The system of claim 1 , wherein the first operations further comprise:

receiving a physical card instrument at the ATM apparatus;

reading account information stored on the physical card instrument; and

receiving account verification information via the user input device.

4. The system of claim 3 , wherein the first operations further comprise:

verifying an account of a depositor of the physical currency based on the received account verification information; and

based on the verifying, displaying, on the display screen of the ATM apparatus, information indicating a capability of the ATM apparatus to send payment to email addresses.

5. The system of claim 1 , wherein determining that no existing receiving account corresponds to the email address comprises contacting a payment processor to request an account identifier for the email address.

6. The system of claim 1 , wherein the email message notifies a payee of the amount of currency and identifies a payor of the amount of currency.

7. The system of claim 1 , wherein the automatic teller machine is operated by an entity different than an entity that operates the networked server.

8. The system of claim 1 , wherein the second operations further comprise querying a database maintained by an entity that controls the networked server in order to determine that no existing receiving account corresponds to the email address.

9. The system of claim 1 , wherein a touchscreen comprises the display screen and the user input device.

10. The system of claim 1 , wherein the first operations comprise:

presenting a display on the display screen allowing sending of funds to multiple different email addresses at one time.

11. A method, comprising:

receiving at an automatic teller machine (ATM) apparatus, a deposit of currency from a user, wherein the ATM apparatus comprises a display screen, a physical currency receiving device configured to accept physical currency, a user input device, and a first computing processor;

receiving, via the user input device of the ATM apparatus, an electronic funds transfer request specifying only an email address as an identifier for transfer of a specific amount of currency, the specific amount of currency comprising at least a portion of the deposit of currency, wherein the electronic funds transfer request does not identify a particular financial entity to receive the specific amount of currency;

determining, by a networked server, that no existing receiving account corresponds to the email address, wherein the networked server is configured to communicate with the ATM apparatus and comprises a second computing processor;

responsive to the determining, creating a holding account linked to the email address;

transmitting, from the networked server to an email server, an email message to the email address that includes one or more financial entities as linking options for the holding account;

receiving, at the networked server, an indication of a linking selection of a particular entity of the one or more financial entities;

based on the linking selection, transmitting, from the networked server to a computer system associated with the particular entity, an account creation request for the particular entity;

receiving an indication that a new currency-bearing account has been created responsive to the account creation request, wherein the new currency-bearing account is identified by a unique identifier within the ACH network; and

responsive to the indication, automatically transferring funds from the holding account to the new currency-bearing account over the ACH network using the unique identifier and not the email address.

12. The method of claim 11 , wherein the deposit of currency from the user is in the form of physical currency.

13. The method of claim 11 , further comprising crediting the deposit to an existing deposit account of the user.

14. The method of claim 11 , further comprising:

verifying an account of the user based on received account verification information; and

based on the verifying, displaying, on the display screen of the ATM apparatus, information indicating a capability of the ATM apparatus to send payment to email addresses.

15. The method of claim 11 , wherein determining that no existing receiving account corresponds to the email address comprises contacting a payment processor to request an account identifier for the email address.

16. The method of claim 11 , wherein the email message notifies a payee of the amount of currency and identifies a payor of the amount of currency.

17. The method of claim 11 , wherein the automatic teller machine is operated by an entity different than an entity that operates the networked server.

18. The method of claim 11 , further comprising querying a database maintained by an entity that controls the networked server in order to determine that no existing receiving account corresponds to the email address.

19. The method of claim 11 , wherein a touchscreen comprises the display screen and the user input device.

20. The method of claim 11 , wherein the networked server comprises a plurality of networked computing devices.