Methods and systems for a combined transaction by an assignee on behalf of one or more users

A server system comprising:

• a memory comprising stored computer-executable instructions;
• and
• at least one processor configured to execute the stored computer-executable instructions to cause the server system to perform at least:
• receiving a first transaction request for performing a combined transaction including one or more scheduled transactions initiated at a first transaction terminal by a first user, wherein the first transaction terminal is in remote communication with a second transaction terminal for completing the combined transaction, and wherein the first transaction terminal is configured to:
• generate one or more machine readable codes for the one or more scheduled transactions, each machine readable code of the one or more machine readable codes including data associated with the first user and a scheduled transaction of the one or more scheduled transactions;
• generating a composite machine readable code by combining the one or more machine readable codes received in the first transaction request and at least one authentication attribute of a second user authorized by the first user to conduct the combined transaction at the second transaction terminal, the at least one authentication attribute for authenticating the second user;
• transmitting, by the server system, the composite machine readable code to the first transaction terminal;
• causing the first transaction terminal to print the composite machine readable code, wherein the first transaction terminal is incapable of dispensing money for the one or more scheduled transactions;
• receiving a second transaction request for performing the combined transaction via the second transaction terminal, wherein the second transaction terminal scans the printed composite machine readable code and receives authentication data of the second user to (a) authenticate the second user by comparing the at least one authentication attribute in the scanned composite machine readable code to the received authentication data, and (b) generate the second transaction request in response to authenticating the second user, wherein the second transaction terminal is one of (i) an automated teller machine (ATM) configured to perform one or more ATM transactions for the combined transaction and (ii) a merchant terminal configured to perform one or more merchant transactions for the combined transaction, and wherein the second transaction request comprises the composite machine readable code;
• and
• transmitting instructions to the second transaction terminal to complete the combined transaction after the server system authenticates the composite machine readable code, wherein the instructions cause the second transaction terminal to perform the one or more ATM transactions when the second transaction terminal is a remote ATM, and wherein the instructions cause the second transaction terminal to perform the one or more merchant transactions when the second transaction terminal is a remote merchant terminal.

A first transaction terminal comprising:

• a database for storing executable instructions;
• a communication interface configured to receive a first transaction request for performing a combined transaction including one or more scheduled transactions initiated at the first transaction terminal by a first user, wherein the first transaction terminal is in remote communication with a second transaction terminal for completing the combined transaction, and is incapable of dispensing money for the one or more scheduled transactions;
• and
• a processing module electronically coupled to the communication interface and the database, the processing module configured to execute the executable instructions to perform at least:
• generating one or more machine readable codes for the one or more scheduled transactions, each machine readable code of the one or more machine readable codes including data associated with the first user and a scheduled transaction of the one or more scheduled transactions;
• generating a composite machine readable code by combining the one or more machine readable codes and at least one authentication attribute of a second user authorized by the first user to conduct the combined transaction at the second transaction terminal, the at least one authentication attribute for authenticating the second user;
• and
• printing the composite machine readable code, wherein the composite machine readable code is configured to perform the combined transaction at the second transaction terminal, and wherein each of the one or more scheduled transactions is an automated teller machine (ATM) transaction when the second transaction terminal is an ATM, and wherein each of the one or more scheduled transactions is a merchant transaction when the second transaction terminal is a merchant terminal.