Systems and methods for cash access to earned but unpaid income

A system comprising:

• a memory;
• a facade server that is configured to serve an interface tailored to a remote device, and wherein the facade server is coupled to an authentication server;
• and
• a processing device, coupled to the memory, the processing device configured to cause the processing device to perform operations including:
• receiving, at the authentication server, a login request and device information from the remote device;
• processing the device information to determine a login device type and geolocation of the remote device, wherein the login device type is one selected from:
• a mobile device, a kiosk, an ATM, and a POS terminal;
• invoking a login procedure based at least in part on an assessed security level of the login device type;
• authenticating a response to the invoked login procedure received from the remote device to indicate one of:
• a successful login and an unsuccessful login;
• receiving a transaction request, from the remote device, for access to earned but unpaid income, the transaction request comprising a request for cash access, an amount of requested funds and a deduction schedule;
• generating a list of a plurality of cash access points based on the received device information;
• displaying, on a screen at the remote device, of the list of a plurality of cash access points;
• receiving at least one signal from the remote device indicative of acceptance, by a user, of terms and conditions of the transaction request;
• transmitting a code to a registered telephone number associated with the user;
• and
• dispensing cash corresponding to the amount of requested funds at one of the plurality of cash access points in response to an entry of the code at the respective one of the plurality of cash access points.

A non-transitory computer-readable medium comprising instructions that, responsive to execution by a processing device, cause the processing device to perform operations comprising:

• providing a facade server that is configured to serve an interface tailored to a remote device, and wherein the facade server is coupled to an authentication server;
• receiving, at the authentication server, a login request and device information from the remote device;
• processing the device information to determine a login device type and geolocation of the remote device, wherein the login device type is one selected from:
• a mobile device, a kiosk, an ATM, and a POS terminal;
• invoking a login procedure based at least in part on an assessed security level of the login device type;
• authenticating a response to the invoked login procedure received from the remote device to indicate one of:
• a successful login and an unsuccessful login;
• receiving a transaction request, from the remote device, for access to earned but unpaid income, the transaction request comprising a request for cash access, an amount of requested funds and a deduction schedule;
• generating a list of a plurality of cash access points based on the received device information;
• displaying, on a screen at the remote device, of the list of a plurality of cash access points;
• receiving at least one signal from the remote device indicative of acceptance, by a user, of terms and conditions of the transaction request;
• transmitting a code to a registered telephone number associated with the user;
• and
• dispensing cash corresponding to the amount of requested funds at one of the plurality of cash access points in response to an entry of the code at the respective one of the plurality of cash access points.