Automated teller machines (ATMs) having offline functionality
A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.
1. A method, comprising:
determining, by a first device of a financial services provider, that the first device is disconnected from a network that enables communication with the financial services provider;
receiving, by the first device and from a second device of a payment method, a request for a transaction associated with the first device,
wherein the transaction is associated with a type of transaction;
establishing, by the first device, based on determining that the first device is disconnected from the network, and based on receiving the request for the transaction, a communication channel with a third device of a user related to the second device,
wherein the communication channel with the third device is established based on a wireless communication channel that is separate from a communication method used to receive the request for the transaction;
authorizing, by the first device and based on determining that the first device is disconnected from the network and based on establishing the communication channel, the transaction one time during a predetermined time period,
wherein the authorization of the transaction causes information associated with the transaction to be recorded on the third device;
preventing, based on the recorded information, another transaction that is of a same type as the transaction authorized during the predetermined time period; and
storing, by the first device, data associated with the transaction that has been authorized during the predetermined time period.
2. The method of claim 1 , wherein a backup mode is implemented by the first device based on determining that the first device is disconnected from the network.
3. The method of claim 1 , further comprising:
implementing a backup mode based on determining that the first device is disconnected from the network;
resuming a normal mode based on connection to the network being restored; and
providing the data associated with the transaction to a destination entity.
4. The method of claim 1 , wherein the other transaction is prevented from being authorized based on a timestamp associated with the transaction.
5. The method of claim 1 , wherein the data associated with the transaction is paired with a stored account amount for determining whether one or more criteria are met for conducting another subsequent transaction.
6. The method of claim 1 , wherein establishing the communication channel comprises:
pairing the first device with the third device based on the wireless communication channel.
7. The method of claim 1 , wherein the other transaction is prevented from being authorized based on transaction data stored on an application associated with the third device.
8. A first device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
determine that the first device is disconnected from a network that enables communication with a financial services provider,
wherein the first device is a device of the financial services provider;
receive, from a second device of a payment method, a request for a transaction associated with the first device,
wherein the transaction is associated with a type of transaction;
establish, based on determining that the first device is disconnected from a network, a communication channel with a third device of a user related to the second device,
wherein the communication channel with the third device is established based on a wireless communication that is separate from a communication method used to receive the request for the transaction;
authorize, based on determining that the first device is disconnected from the network and based on establishing the communication channel, the transaction one time during a predetermined time period,
wherein the authorization of the transaction causes information associated with the transaction to be recorded on the third device;
prevent, based on the recorded information, another transaction that is of a same type as the transaction authorized during the predetermined time period; and
store data associated with the transaction that has been authorized during the predetermined time period.
9. The first device of claim 8 , wherein a backup mode is implemented by the first device based on determining that the first device is disconnected from the network.
10. The first device of claim 8 , wherein the one or more processors are further configured to:
implement a backup mode based on determining that the first device is disconnected from the network;
resume a normal mode based on connection to the network being restored; and
provide the data associated with the transaction to a destination entity.
11. The first device of claim 8 , wherein the other transaction is prevented from being authorized based on a timestamp associated with the transaction.
12. The first device of claim 8 , wherein the data associated with the transaction is paired with a stored account amount for determining whether one or more criteria are met for conducting another subsequent transaction.
13. The first device of claim 8 , wherein the one or more processors, to establish the communication channel, are configured to:
pair the first device with the third device based on the wireless communication channel.
14. The first device of claim 8 , wherein the other transaction is prevented from being authorized based on transaction data stored on an application associated with the third device.
15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a first device of a financial services provider, cause the first device to:
determine that the first device is disconnected from a network that enables communication with the financial services provider;
receive, from a second device, a request for a transaction associated with the first device,
wherein the transaction is associated with a type of transaction;
establish, based on determining that the first device is disconnected from a network, a communication channel with a third device of a user related to the second device,
wherein the communication channel with the third device is established based on a wireless communication that is separate from a communication method used to receive the request for the transaction;
authorize, based on determining that the first device is disconnected from the network and based on establishing the communication channel, the transaction one time during a predetermined time period,
wherein the authorization of the transaction causes information associated with the transaction to be recorded on the third device;
prevent, based on the recorded information, another transaction that is of a same type as the transaction authorized during the predetermined time period; and
store data associated with the transaction that has been authorized during the predetermined time period.
16. The non-transitory computer-readable medium of claim 15 , wherein a backup mode is implemented by the first device based on determining that the first device is disconnected from the network.
17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the first device to:
implement a backup mode based on determining that the first device is disconnected from the network; and
resume a normal mode based on connection to the network being restored; and
provide the data associated with the transaction to a destination entity.
18. The non-transitory computer-readable medium of claim 15 , wherein the other transaction is prevented from being authorized based on a timestamp associated with the transaction.
19. The non-transitory computer-readable medium of claim 15 , wherein the data associated with the transaction is paired with a stored account amount for determining whether one or more criteria are met for conducting another subsequent transaction.
20. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the first device to establish the communication channel, cause the first device to:
pair the first device with the third device based on the wireless communication channel.