Contactless ATM transactions

A mobile device, comprising:

• a network circuit structured to exchange data with a provider institution computing system;
• an input/output device structured to exchange data with a user;
• a processor;
• and
• a memory configured to store program instructions of a provider institution mobile application that are executable by the processor to cause operations including:
• transmit a first data payload to a user-interactive device via a first short-range wireless communication;
• launch a mobile application based on the first short-range wireless communication;
• transmit, by the mobile application, authentication information to the user-interactive device via a second short-range communication;
• receive, by the mobile application, a request for transaction information from the user-interactive device via the second short-range communication;
• and
• transmit, by the mobile application, transaction information to the user-interactive device via a third short-range communication as part of a transaction, wherein the first, second, and third short-range wireless communications occur via the same wireless communication protocol.