Systems and methods for processing preauthorized automated banking machine-related transactions

Abstract

Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.

What is claimed is: 
     
         1 . A computing system for preauthorizing one or more financial transactions, the computing system comprising:
 a memory device storing data associated with one or more cardholder accounts and computer-executable instructions; and   a processor configured to execute the computer-executable instructions to:
 receive, from a cashier system, a request for preauthorization of a first financial transaction of the one or more financial transactions, the request for preauthorization including a transaction amount and a cardholder identifier; 
 based on the cardholder identifier, identify a first cardholder account of the one or more cardholder accounts; 
 determine a transaction timeframe and one or more machine identifiers associated with the first financial transaction; 
 access the first cardholder account to determine whether to process the first financial transaction in accordance with a nonvisual communication program; and 
 on condition that the first financial transaction is to be processed in accordance with the nonvisual communication program, generate an instruction to identify a capture time associated with the first financial transaction, determine whether the capture time satisfies the transaction timeframe, and, on condition that the capture time satisfies the transaction timeframe, dispense the transaction amount of cash in accordance with the nonvisual communication program. 
   
     
     
         2 . The computing system of  claim 1 , wherein the processor is further configured to execute the computer-executable instructions to:
 transmit, to the cashier system, the instruction such that one or more cash machines are configured to dispense the transaction amount of cash in accordance with the nonvisual communication program, the one or more cash machines associated with the one or more machine identifiers; and   receive, from the cashier system, a notification indicative of the transaction amount of cash being dispensed.   
     
     
         3 . The computing system of  claim 1 , wherein the processor is further configured to execute the computer-executable instructions to:
 identify user location data and time data associated with the first financial transaction; and   analyze the user location data and the time data to identify one or more cash machines, the one or more cash machines associated with the one or more machine identifiers.   
     
     
         4 . The computing system of  claim 1 , wherein the processor is further configured to execute the computer-executable instructions to:
 identify user location data and machine location data associated with the financial transaction, the machine location data associated with the one or more machine identifiers; and   analyze the user location data and the machine location data to identify the transaction timeframe.   
     
     
         5 . The computing system of  claim 1 , wherein the processor is further configured to execute the computer-executable instructions to:
 identify a plurality of cash machines;   generate a prompt to select, from the plurality of cash machines, a set of cash machines; and   receive user input associated with a selection of the set of cash machines, the selection of the set of cash machines associated with the one or more machine identifiers.   
     
     
         6 . The computing system of  claim 1 , wherein the processor is further configured to execute the computer-executable instructions to:
 receive a denomination breakdown corresponding to the transaction amount; and   generate the instruction to dispense the transaction amount of cash in accordance with the denomination breakdown.   
     
     
         7 . The computing system of  claim 1 , wherein the processor is further configured to execute the computer-executable instructions to:
 determine whether a hold duration associated with the first financial transaction exceeds a hold threshold;   on condition that the hold duration exceeds the hold threshold, transmit one or more of a request to modify the transaction timeframe or a request to identify another cash machine.   
     
     
         8 . One or more computer storage media embodied with computer-executable instructions, the one or more computer storage media comprising:
 a preauthorization component that, upon execution by at least one processor, obtains a preauthorization message associated with a financial transaction, and analyzes the preauthorization message to identify a transaction amount and a cardholder account associated with the financial transaction;   a detection component that, upon execution by the at least one processor, determines that a cardholder associated with the cardholder account is proximate to a cash machine, identifies a capture time associated with the financial transaction, and determines whether the capture time satisfies the transaction timeframe; and   a dispenser component that, upon execution by the at least one processor, dispenses the transaction amount of cash in accordance with a nonvisual communication program.   
     
     
         9 . The one or more computer storage media of  claim 8 , wherein the detection component is configured to:
 obtain position data associated with one or more of a user device associated with the cardholder account or an access card associated with the cardholder account; and   analyze the position data to determine whether the one or more of the user device or the access card are proximate to the cash machine, the cardholder determined to be proximate to the cash machine on condition that the one or more of the user device or the access card are proximate to the cash machine.   
     
     
         10 . The one or more computer storage media of  claim 8 , wherein the detection component is configured to:
 detect a transmission associated with one or more of a user device or an access card, the user device associated with a device identifier, the access card associated with a card identifier; and   compare one or more of the device identifier or the card identifier with account data registered with the cardholder account to determine whether the one or more of the user device or the access card are associated with the cardholder account, the cardholder determined to be proximate to the cash machine on condition that the one or more of the user device or the access card are associated with the cardholder account.   
     
     
         11 . The one or more computer storage media of  claim 8 , wherein the detection component is configured to:
 detect an object within a predetermined scan area;   scan the predetermined scan area to generate scan data;   analyze the scan data to identify one or more of a biometric identifier associated with a user, a device identifier associated with a user device, or a card identifier associated with an access card; and   compare one or more of the biometric identifier, the device identifier, or the card identifier with account data registered with the cardholder account to determine whether the object is associated with the cardholder account, the cardholder determined to be proximate to the cash machine on condition that the object is associated with the cardholder account.   
     
     
         12 . The one or more computer storage media of  claim 8 , wherein the dispenser account is configured to generate a notification indicative of the transaction amount of cash being dispensed. 
     
     
         13 . The one or more computer storage media of  claim 8 , wherein the dispenser component is configured to:
 obtain a denomination breakdown corresponding to the transaction amount; and   dispense the transaction amount of cash in accordance with the denomination breakdown.   
     
     
         14 . The one or more computer storage media of  claim 8  further comprising a modification component configured to:
 determine whether a hold duration associated with the financial transaction exceeds a hold threshold; and 
 on condition that the hold duration exceeds the hold threshold, generate one or more of a request to modify the transaction timeframe or a request to identify another cash machine. 
 
     
     
         15 . A computer-implemented method for preauthorizing one or more financial transactions, the computer-implemented method comprising:
 identifying a request for preauthorization of a first financial transaction of the one or more financial transactions, the request for preauthorization including a transaction amount and a cardholder identifier;   determining a transaction timeframe associated with the first financial transaction;   identifying one or more cash machines associated with the first financial transaction;   using the cardholder identifier to determine whether to process the first financial transaction in accordance with a nonvisual communication program; and   on condition that the first financial transaction is to be processed in accordance with the nonvisual communication program, generating a preauthorization instruction to dispense the transaction amount of cash in accordance with the nonvisual communication program upon determining that a capture time associated with the first financial transaction satisfies the transaction timeframe.   
     
     
         16 . The computer-implemented method of  claim 15 , further comprising:
 identifying position data associated with a geolocation of a user device;   identifying time data associated with an amount of time; and   analyzing the position data and the time data to identify the one or more cash machines.   
     
     
         17 . The computer-implemented method of  claim 15 , further comprising:
 identifying position data associated with a device location of a user device;   identifying location data associated with one or more machine locations of the one or more cash machines; and   analyzing the position data and the location data to identify the transaction timeframe.   
     
     
         18 . The computer-implemented method of  claim 15 , further comprising:
 identifying a plurality of cash machines;   prompting a user of the user device to select, from the plurality of cash machines, a set of cash machines; and   receiving user input associated with the selected set of cash machines, wherein the one or more cash machines are identified based on the selected set of cash machines.   
     
     
         19 . The computer-implemented method of  claim 15 , further comprising receiving a denomination breakdown corresponding to the transaction amount, wherein the instruction is generated based on the denomination breakdown. 
     
     
         20 . The computer-implemented method of  claim 15 , further comprising:
 determining whether a hold duration associated with the first financial transaction exceeds a hold threshold; and   on condition that the hold duration exceeds the hold threshold, transmitting one or more of a request to modify the transaction timeframe or a request to identify another cash machine.