Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets

A system comprising:

• a first processor and a first memory, the first memory storing instructions which, when executed by the first processor, cause the first processor to implement an issuer application programming interface (API) of an account issuer which:
• receives a transaction request at via a mobile device of a user;
• validates and authorizes the transaction request;
• forwards information about the transaction to an internal API associated with an automated teller machine (ATM);
• generates a unique identifier for the transaction request;
• and
• provides the unique identifier to the mobile device of the user;
• an ATM which receives the unique identifier from the user at the ATM without presenting any card and without connecting the mobile device of the user to the ATM, provides the unique identifier to the internal API, and, upon receiving confirmation of a validity of the transaction, implements the transaction by one or more of (i) dispensing cash to the user and (ii) accepting a deposit from the user;
• and
• a second processor and a second memory, the second memory storing instructions which, when executed by the second processor, cause the second processor to implement the internal API of a provider of the ATM which:
• receives the information about the transaction from the issuer API;
• receives the unique identifier from the ATM;
• selectively provides a confirmation of the validity of the transaction to the ATM based upon the information and the unique identifier;
• and
• updates a settlement account to reflect the transaction.

A system comprising:

• a first processor and a first memory, the first memory storing instructions which, when executed by the first processor, cause the first processor to implement an issuer application programming interface (API) of an account issuer which:
• receives a transaction request at via a mobile device of a user;
• validates and authorizes the transaction request;
• and
• forwards information about the transaction to an internal API associated with an automated teller machine (ATM);
• an ATM which receives a unique identifier from the user at the ATM without presenting any card and without connecting the mobile device of the user to the ATM, provides the unique identifier to the internal API, and, upon receiving confirmation of a validity of the transaction, implements the transaction by one or more of (i) dispensing cash to the user and (ii) accepting a deposit from the user;
• and
• a second processor and a second memory, the second memory storing instructions which, when executed by the second processor, cause the second processor to implement the internal API of a provider of the ATM which:
• receives the information about the transaction from the issuer API;
• generates a unique identifier for the transaction request;
• and
• provides the unique identifier to the mobile device of the user;
• receives the unique identifier from the ATM;
• selectively provides a confirmation of the validity of the transaction to the ATM;
• and
• updates a settlement account to reflect the transaction.