Systems and methods for transactions using an ATM/credit/debit card and a second communications channel to an account holder's bank

A computer-implemented method comprising:

• providing, using a first communication path, authentication information from a user device to a machine, wherein the user device comprises a card;
• after the user device is authenticated, receiving transaction information for the transaction from the machine using the first communication path;
• establishing a second communication path using a network interface of the card;
• after receiving, by the user device and through a display of the user device, an indication that confirms the transaction information, providing, by the user device, the transaction information and identification information to a financial institution via the second communication path between the user device and the financial institution;
• responsive to determining that the user device is a joint account card, determining, based on the transaction information, that authorization from a joint account holder is required for the transaction;
• obtaining authorization for the transaction from the joint account holder;
• receiving, by the user device, an authorization for the transaction from the financial institution via the second communication path;
• and
• in response to receiving the authorization from the financial institution, causing completion of the transaction at the machine using the first communication path.

A system comprising:

• at least one processor;
• and a data store coupled to the at least one processor having instructions stored thereon which, when executed by the at least one processor, causes the at least one processor to perform operations comprising:
• providing, using a first communication path, authentication information from a user device to a machine, wherein the user device comprises a card;
• after the user device is authenticated, receiving transaction information for the transaction from the machine using the first communication path;
• establishing a second communication path using a network interface of the card;
• after receiving, by the user device and through a display of the user device, an indication that confirms the transaction information, providing, by the user device, the transaction information and identification information to a financial institution via the second communication path between the user device and the financial institution;
• responsive to determining that the user device is a joint account card, determining, based on the transaction information, that authorization from a joint account holder is required for the transaction;
• obtaining authorization for the transaction from the joint account holder;
• receiving, by the user device, an authorization for the transaction from the financial institution via the second communication path;
• and
• in response to receiving the authorization from the financial institution, causing completion of the transaction at the machine using the first communication path.