Authentication at ATM and handshake between customer and driver

A provider computing system of a provider institution comprising:

• a network interface circuit configured to communicate with a first user device of a customer, a second user device of a driver, and a cash dispenser machine, wherein the network interface circuit receives a cash delivery request made by the customer;
• and
• at least one processor operatively coupled to a non-transient memory to form a processing circuit, the at least one processor configured to:
• receive at least one of security information and a first cash authentication code (CAC) from a cash dispenser machine, the cash dispenser machine obtaining the security information and the first CAC from a first user device of a driver or the driver, wherein the at least one of security information comprises at least one of a captured image of the driver by the first user device and at least one of a virtual identity card of the driver, a Personal Identification Number for the driver, or a biometric response of the driver;
• authenticate the driver based on the security information and the first CAC;
• generate a second CAC;
• authenticate the driver and the customer based on at least one of the security information or the second CAC;
• and
• responsive to the authentication of the driver and the customer, indicating that an amount of cash identified by the cash delivery request is provided to the customer.

A non-transitory computer-readable medium comprising computer-readable instructions such that, when executed by a processor, causes the processor to:

• receive security information and a first cash authentication code (CAC) from a cash dispenser machine, the cash dispenser machine obtaining the security information and the first CAC from a first user device of a driver, wherein the security information comprises a captured image of the driver by the first user device and at least one of a virtual identity card of the driver, a Personal Identification Number for the driver, or a biometric response of the driver;
• authenticate the driver based on the security information and the first CAC;
• generate a second CAC;
• authenticate, based on at least one of the security information or the second CAC, the driver and a customer who made a cash delivery request using a customer device of a customer;
• and
• responsive to the authentication of the driver and the customer, that an amount of cash identified by the cash delivery request is provided to the customer.