ATM TRANSACTIONS USING BARCODES IN MULTIPLE STATES

Abstract: 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 method can include receiving, at a kiosk, an image, the image including an identifier uniquely identifying the kiosk and additional information encoded in the image; and displaying, at the kiosk, the image for scanning by a mobile device, the identifier being configured for: pairing the kiosk to a queued transaction associated with a user of the mobile device in the event the user is authenticated with an institution affiliated with the kiosk, and the additional information being configured for: directing, via the mobile device, the user to additional services to complete a transaction using the kiosk in the event the user of the mobile device is not authenticated with the institution.

Inventor(s): Jeremy J. PHILLIPS, Matthew B. KONOPA

CPC Classification: G06Q20/1085 ({involving automatic teller machines [ATMs]})

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