System and method for cardless cash access

Abstract

Aspects of the present disclosure involve systems, methods, devices, and the like for processing a cardless cash transaction. In one embodiment, a system is introduced that enables a communication between a user device and an automated teller machine. The communication disclosure presents a system and method that enables the communication between a user device and an automated teller machine for the withdrawal of a cash amount using a cardless cash option. The withdrawal occurs through the use of a white label platform which pairs the automated teller machine and user device without the use of a card.

What is claimed is: 
     
         1 . A system, comprising
 a non-transitory memory storing instructions;   a processor configured to execute the instructions to cause the system to:
 receive, via a first wireless network connection, a first request from a user device for cardless cash access from an automated teller machine; 
 retrieve, from the first request received, user information associated with the user device; 
 transmit, via a second wireless network connection, a token request from a white label platform, the token request including the user information; 
 receive, via the second wireless network connection, an authorization token from the white label platform for transmit to the user device; 
 in response to the authorization token transmitted to the user device, receive, via the first wireless network connection, a second request from the user device for a cash withdrawal, the second request received including a scanned image of a QR code; and 
 in response to the second request received, transmit a request to the white label platform for the cash withdrawal, the white label platform pairing a communication between the user device and automated teller machine networks; 
 update, the account balance base on a cash amount designated on the second request; and 
 transmit, via the first wireless network connection, a successful notification to the user device for the cash withdrawal for the cash amount from the automated teller machine. 
   
     
     
         2 . The system of  claim 1 , wherein the executing instructions further causes the system to:
 in response to the first request for the cardless cash access, determine if a user associated with the user information is onboarded; and   perform just-in-time onboarding if it is determined that the user has not been onboarded.   
     
     
         3 . The system of  claim 1 , wherein the second request from the user device for a cash withdrawal includes an automated teller machine location. 
     
     
         4 . The system of  claim 1 , wherein the scanned image obtained from a display of the automated teller machine. 
     
     
         5 . The system of  claim 1 , wherein the white label platform provides the communication with the automated teller machine networks including at least an acquiring processor, a network and an issuer processor. 
     
     
         6 . The system of  claim 1 , wherein the executing instructions further causes the system to:
 in response to the second request received, transmit a notification to the user device regarding a fee associated with the second request for the cash withdrawal.   
     
     
         7 . The system of  claim 6 , wherein the fee associated with the second request is based on the automated teller machine. 
     
     
         8 . A method, comprising:
 receiving, via a first wireless network connection, a first request from a user device for cardless cash access from an automated teller machine;   retrieving, from the first request received, user information associated with the user device;   transmitting, via a second wireless network connection, a token request from a white label platform, the token request including the user information;   receiving, via the second wireless network connection, an authorization token from the white label platform for transmit to the user device;   in response to the authorization token transmitted to the user device, receiving, via the first wireless network connection, a second request from the user device for a cash withdrawal, the second request received including a scanned image of a QR code; and   in response to the second request received, transmitting a request to the white label platform for the cash withdrawal, the white label platform pairing a communication between the user device and automated teller machine networks;   updating, the account balance base on a cash amount designated on the second request; and   transmitting, via the first wireless network connection, a successful notification to the user device for the cash withdrawal for the cash amount from the automated teller machine.   
     
     
         9 . The method of  claim 8 , further comprising:
 in response to the first request for the cardless cash access, determining if a user associated with the user information is onboarded; and   performing just-in-time onboarding if it is determined that the user has not been onboarded.   
     
     
         10 . The method of  claim 8 , wherein the second request from the user device for a cash withdrawal includes an automated teller machine location. 
     
     
         11 . The method of  claim 8 , wherein the scanned image obtained from a display of the automated teller machine. 
     
     
         12 . The method of  claim 8 , wherein the white label platform provides the communication with the automated teller machine networks including at least an acquiring processor, a network and an issuer processor. 
     
     
         13 . The method of  claim 8 , further comprising:
 in response to the second request received, transmitting a notification to the user device regarding a fee associated with the second request for the cash withdrawal.   
     
     
         14 . The method of  claim 13 , wherein the fee associated with the second request is based on the automated teller machine. 
     
     
         15 . A non-transitory machine readable medium having stored thereon machine readable instructions executable to cause a machine to perform operations comprising:
 receiving, via a first wireless network connection, a first request from a user device for cardless cash access from an automated teller machine;   retrieving, from the first request received, user information associated with the user device;   transmitting, via a second wireless network connection, a token request from a white label platform, the token request including the user information;   receiving, via the second wireless network connection, an authorization token from the white label platform for transmit to the user device;   in response to the authorization token transmitted to the user device, receiving, via the first wireless network connection, a second request from the user device for a cash withdrawal, the second request received including a scanned image of a QR code; and   in response to the second request received, transmitting a request to the white label platform for the cash withdrawal, the white label platform pairing a communication between the user device and automated teller machine networks;   updating, the account balance base on a cash amount designated on the second request; and   transmitting, via the first wireless network connection, a successful notification to the user device for the cash withdrawal for the cash amount from the automated teller machine.   
     
     
         16 . The non-transitory machine readable medium of  claim 15 , further comprising:
 in response to the first request for the cardless cash access, determining if a user associated with the user information is onboarded; and   performing just-in-time onboarding if it is determined that the user has not been onboarded.   
     
     
         17 . The non-transitory machine readable medium of  claim 15 , wherein the second request from the user device for a cash withdrawal includes an automated teller machine location. 
     
     
         18 . The non-transitory machine readable medium of  claim 15 , wherein the scanned image obtained from a display of the automated teller machine. 
     
     
         19 . The non-transitory machine readable medium of  claim 15 , wherein the white label platform provides the communication with the automated teller machine networks including at least an acquiring processor, a network and an issuer processor. 
     
     
         20 . The non-transitory machine readable medium of  claim 15 , further comprising:
 in response to the second request received, transmitting a notification to the user device regarding a fee associated with the second request for the cash withdrawal.