ATM transactions using barcodes in multiple states
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.
1. A computer implemented method, comprising:
authenticating a user of a mobile app as an account holder of an institution associated with the mobile app;
receiving from the user, via a graphical user interface (GUI), details of a transaction;
after receiving the details of the transaction, instructing the user to visit a kiosk affiliated with the institution to complete the transaction;
instructing the user to scan an encoded identifier displayed by the kiosk, the encoded identifier uniquely associated with the kiosk;
associating the transaction with the scanned encoded identifier; and
transmitting a request to complete the transaction at the kiosk.
2. The computer implemented method of claim 1 , wherein the encoded identifier is encoded into a barcode, and wherein the barcode further includes encoded data that directs a barcode reader on a mobile device of the user to a website.
3. The computer implemented method of claim 2 , wherein the website comprises a download link for the mobile app.
4. The computer implemented method of claim 2 , wherein the website is restricted to members of the institution affiliated with the kiosk and redirects non-members of the institution to an unrestricted website or to a download link for the mobile app.
5. The computer implemented method of claim 1 , further comprising:
notifying the user, via the GUI, that the transaction is ready for completion at a kiosk affiliated with the institution.
6. The computer implemented method of claim 1 , further comprising:
notifying the user, via the GUI, that the transaction will be available for completion at a kiosk affiliated with the institution until a predetermined time.
7. The computer implemented method of claim 1 , wherein:
the kiosk is an automatic teller machine (ATM),
the transaction comprises a cash withdrawal,
the transaction has been prepared by the mobile app and approved by a bank affiliated with the ATM, and
completing the transaction at the kiosk comprises the ATM dispensing cash.
8. A system, comprising:
a memory configured to store operations; and
one or more processors configured to perform the operations, the operations comprising:
authenticating a user of a mobile app as an account holder of an institution associated with the mobile app;
receiving from the user, via a graphical user interface (GUI), details of a transaction;
after receiving the details of the transaction, instructing the user to visit a kiosk affiliated with the institution to complete the transaction;
instructing the user to scan an encoded identifier displayed by the kiosk, the encoded identifier uniquely associated with the kiosk;
associating the transaction with the scanned encoded identifier; and
transmitting a request to complete the transaction at the kiosk.
9. The system of claim 8 , wherein the encoded identifier is encoded into a barcode, and wherein the barcode further includes encoded data that directs a barcode reader on a mobile device of the user to a website.
10. The system of claim 9 , wherein the website comprises a download link for the mobile app.
11. The system of claim 9 , wherein the website is restricted to members of the institution affiliated with the kiosk and redirects non-members of the institution to an unrestricted website or to a download link for the mobile app.
12. The system of claim 8 , the operations further comprising:
notifying the user, via the GUI, that the transaction is ready for completion at a kiosk affiliated with the institution.
13. The system of claim 8 , the operations further comprising:
notifying the user, via the GUI, that the transaction will be available for completion at a kiosk affiliated with the institution until a predetermined time.
14. The system of claim 8 , wherein:
the kiosk is an automatic teller machine (ATM),
the transaction comprises a cash withdrawal,
the transaction has been prepared by the mobile app and approved by a bank affiliated with the ATM, and
completing the transaction at the kiosk comprises the ATM dispensing cash.
15. A computer readable storage device having instructions stored thereon, execution of which, by one or more processing devices, causes the one or more processing devices to perform operations comprising:
authenticating a user of a mobile app as an account holder of an institution associated with the mobile app;
receiving from the user, via a graphical user interface (GUI), details of a transaction;
after receiving the details of the transaction, instructing the user to visit a kiosk affiliated with the institution to complete the transaction;
instructing the user to scan an encoded identifier displayed by the kiosk, the encoded identifier uniquely associated with the kiosk;
associating the transaction with the scanned encoded identifier; and
transmitting a request to complete the transaction at the kiosk.
16. The computer readable storage device of claim 15 , wherein the encoded identifier is encoded into a barcode, and wherein the barcode further includes encoded data that directs a barcode reader on a mobile device of the user to a website.
17. The computer readable storage device of claim 16 , wherein the website comprises a download link for the mobile app.
18. The computer readable storage device of claim 16 , wherein the website is restricted to members of the institution affiliated with the kiosk and redirects non-members of the institution to an unrestricted website or to a download link for the mobile app.
19. The computer readable storage device of claim 15 , the operations further comprising:
notifying the user, via the GUI, that the transaction is ready for completion at a kiosk affiliated with the institution until a predetermined time.
20. The computer readable storage device of claim 15 , wherein:
the kiosk is an automatic teller machine (ATM),
the transaction comprises a cash withdrawal,
the transaction has been prepared by the mobile app and approved by a bank affiliated with the ATM, and
completing the transaction at the kiosk comprises the ATM dispensing cash.