Cardless atm connectivity for denomination selection

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing denomination selection capabilities to account holders withdrawing funds via a cardless ATM system. An account holder may queue an ATM withdrawal in desired monetary denominations from a mobile application running on their mobile device. The account holder may subsequently scan a QR code displayed at an ATM using the mobile application and receive the desired monetary denominations from the ATM, all without using an ATM card. Two other approaches are provided to an account holder when queueing an ATM withdrawal that includes denominations. In a denomination-driven request, the account holder selects denominations first and then receives a list of proximate ATMs that can satisfy the denomination request. In a location-driven request, the account holder selects an ATM first and then can tailor the denomination request to the denominations available in the selected ATM.

What is claimed is: 
     
         1 . A computer-implemented method, comprising:
 receiving a scanned identifier for a visited ATM from a mobile application executing on a mobile device;   determining available denominations at the visited ATM;   providing a denomination request form in the mobile application that allows that a user to create a request to withdraw funds comprising a withdrawal amount and one or more denominations for the withdrawal amount, wherein the denomination request form limits the denominations that can be specified in the request to withdraw funds to the available denominations at the visited ATM; and   in response to receiving the request to withdraw funds, causing the visited ATM to provide the withdrawal amount in the one or more denominations specified in the denomination request.   
     
     
         2 . The method of  claim 1 , further comprising:
 based on a location of the mobile device, displaying one or more locations of one or more proximate ATMs in the mobile application.   
     
     
         3 . The method of  claim 2 , further comprising:
 receiving a selected ATM from the one or more proximate ATMs from the mobile application; and   sending a notification to the mobile application if the visited ATM is not the selected ATM.   
     
     
         4 . The method of  claim 3  further comprising:
 receiving from the mobile application a confirmation to proceed with the visited ATM that is not the selected ATM prior to directing the visited ATM to provide the withdrawal amount in the one or more denominations specified in the denomination request. 
 
     
     
         5 . The method of  claim 1 , wherein the scanned identifier is a barcode. 
     
     
         6 . The method of  claim 2 , further comprising:
 receiving a selected ATM from the one or more proximate ATMs; and   limiting the denominations that can be specified in the request to withdraw funds to the available denominations at the selected ATM.   
     
     
         7 . The method of  claim 1 , further comprising:
 providing a list of ATMs to the mobile application that includes denominations available in each ATM in the list of ATMs.   
     
     
         8 . A system, comprising:
 a memory; and   at least one processor coupled to the memory and configured to:
 receive a scanned identifier for a visited ATM from a mobile application executing on a mobile device; 
 determine available denominations at the visited ATM; 
 provide a denomination request form in the mobile application that allows that a user to create a request to withdraw funds comprising a withdrawal amount and one or more denominations for the withdrawal amount, wherein the denomination request form limits the denominations that can be specified in the request to withdraw funds to the available denominations at the visited ATM; and 
 in response to receiving the request to withdraw funds, cause the visited ATM to provide the withdrawal amount in the one or more denominations specified in the denomination request. 
   
     
     
         9 . The system of  claim 8 , the at least one processor further configured to:
 based on a location of the mobile device, display one or more locations of one or more proximate ATMs in the mobile application.   
     
     
         10 . The system of  claim 9 , the at least one processor further configured to:
 receive a selected ATM from the one or more proximate ATMs from the mobile application; and   send a notification to the mobile application if the visited ATM is not the selected ATM.   
     
     
         11 . The system of  claim 9 , the at least one processor further configured to:
 receive from the mobile application a confirmation to proceed with the visited ATM that is not the selected ATM prior to directing the visited ATM to provide the withdrawal amount in the one or more denominations specified in the denomination request.   
     
     
         12 . The system of  claim 8 , wherein the scanned identifier is a barcode. 
     
     
         13 . The system of  claim 9 , the at least one processor further configured to:
 receive a selected ATM from the one or more proximate ATMs; and   limit the denominations that can be specified in the request to withdraw funds to the available denominations at the selected ATM.   
     
     
         14 . The system of  claim 8 , the at least one processor further configured to:
 provide a list of ATMs to the mobile application that includes denominations available in each ATM in the list of ATMs.   
     
     
         15 . A non-transitory computer-readable device having instructions stored thereon that, when executed by at least one computing device, causes the at least one computing device to perform operations comprising:
 receiving a scanned identifier for a visited ATM from a mobile application executing on a mobile device;   determining available denominations at the visited ATM;   providing a denomination request form in the mobile application that allows that a user to create a request to withdraw funds comprising a withdrawal amount and one or more denominations for the withdrawal amount, wherein the denomination request form limits the denominations that can be specified in the request to withdraw funds to the available denominations at the visited ATM; and   in response to receiving the request to withdraw funds, causing the visited ATM to provide the withdrawal amount in the one or more denominations specified in the denomination request.   
     
     
         16 . The non-transitory computer-readable device of  claim 15 , further comprising:
 based on a location of the mobile device, displaying one or more locations of one or more proximate ATMs in the mobile application.   
     
     
         17 . The non-transitory computer-readable device of  claim 16 , further comprising:
 receiving a selected ATM from the one or more proximate ATMs from the mobile application; and   sending a notification to the mobile application if the visited ATM is not the selected ATM.   
     
     
         18 . The non-transitory computer-readable device of  claim 15 , wherein the scanned identifier is a barcode. 
     
     
         19 . The non-transitory computer-readable device of  claim 15 , further comprising:
 receiving a selected ATM from the one or more proximate ATMs; and   limiting the denominations that can be specified in the request to withdraw funds to the available denominations at the selected ATM.   
     
     
         20 . The non-transitory computer-readable device of  claim 15 , further comprising:
 providing a list of ATMs to the mobile application that includes denominations available in each ATM in the list of ATMs.