Computer-based systems configured to provide pre-staged transactions via lockers and methods of use thereof
Systems and methods of providing pre-staged transactions via lockers are disclosed. In one embodiment, an exemplary computer-implemented method may comprise receiving a request from a user to perform a pre-staged transaction at a physical location; generating a first token based on the pre-staged transaction; transmitting first token to an app executing on a mobile device associated with the user; assigning a locker from a plurality of lockers positioned within the physical location; receiving the first token from the app executing on the mobile device of the user to initiate access to the locker when the user is within the physical location; authenticating the user based on the first token; transmitting, upon successful authentication of the user, a second token to the app executing on the mobile device; and causing, in response to receiving the second token at the locker, the locker to unlock.
1 . A method comprising:
generating, by a computing device, a first token in response to a request from a user to perform a pre-staged transaction at a physical location;
transmitting, by the computing device, the first token to an app executing on a mobile device associated with the user;
transmitting, by the computing device, a reminder for the pre-staged transaction to the mobile device of the user, the reminder comprising a user interface operable by the user to modify information associated with the first token;
wherein the reminder is generated based on geo-location information of the mobile device of the user within a pre-configured time window prior to an expiration time;
identifying, by the computing device, a locker from a plurality of lockers positioned within the physical location, wherein the locker has been prepared for the pre-staged transaction;
receiving, by the computing device, the first token from the app executing on the mobile device when the mobile device is within a vicinity of the physical location;
authenticating, by the computing device, the user based on the received first token;
transmitting, by the computing device, upon successful authentication of the user, a second token to the app executing on the mobile device, the second token including locker identifying information of the locker, and credential information to access the locker; and
causing, by the computing device and in response to receiving at least a part of the second token by the locker, the locker to unlock.
2 . The method of claim 1 , wherein the second token further comprises at least one second authentication factor, and the method further comprising:
authenticating, by the computing device, the user based on the at least one second authentication factor at the locker.
3 . The method of claim 2 , wherein the at least one second authentication factor comprises a transaction card of the user.
4 . A system comprising:
a plurality of lockers positioned within a physical location;
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the one or more processors to:
receive a request from a user to perform a pre-staged transaction at the physical location;
generate a first token based on the pre-staged transaction, the first token comprising at least one first authentication factor associated with the user;
transmitting the first token to an app executing on a mobile device associated with the user;
transmit a reminder for the pre-staged transaction to the mobile device of the user, the reminder comprising a user interface operable by the user to modify information associated with the first token;
wherein the reminder is generated based on geo-location information of the mobile device of the user within a pre-configured time window prior to an expiration time;
identify a locker from a plurality of lockers positioned within the physical location, wherein the locker has been prepared for the pre-staged transaction;
receive the first token from the app executing on the mobile device of the user to initiate access to the locker when the user is within a vicinity of the physical location;
authenticate the user based on the received first authentication factor of the first token;
transmit, upon successful authentication of the user, a second token to the app executing on the mobile device, the second token including locker identifying information of the locker, and credential information to access the locker;
cause, in response to receiving at least a part of the second token at the locker, the locker to unlock.
5 . The system of claim 4 , wherein the second token further comprises at least one second authentication factor, and wherein the instructions further cause the one or more processors to:
authenticate the user based on the at least one second authentication factor at the locker.
6 . The system of claim 5 , wherein the at least one second authentication factor comprises a transaction card of the user.
7 . The system of claim 4 , wherein the first token further comprises a modality for performing the pre-staged transaction as being one or more of: an ATM, an operator, and the locker.
8 . The system of claim 4 , wherein the request to perform a pre-staged transaction is generated based on historical transactions with an account by the user.
9 . The system of claim 4 , wherein the geo-location information is determined based on one or more of: a calendar event associated with the user, a weather condition in an area associated with the user, and a traffic condition associated with the user.
10 . The system of claim 4 , wherein the instructions further cause the one or more processors to:
allow, via the app executing on the mobile device, the user to modify at least one data element of the first token.
11 . The system of claim 4 , wherein the instructions further cause the one or more processors to update, upon detecting an access to the locker, a status of the pre-staged transaction as being in a completed state.