Token based transactions

A method, comprising:

• receiving, by a first server and from a user device initiating a transaction, data representative of a financial transaction, the data representative of a financial transaction comprises data representative of a user initiating the financial transaction, data representative of an amount, and data representative of a recipient of the financial transaction, the data representative of a recipient including an electronic address associated with the recipient;
• generating, by the first server, a token associated with the data representative of the financial transaction;
• storing, by the first server, the token;
• sending, by the first server, a copy of the token to the electronic address associated with the recipient;
• receiving, by the first server and from an automated banking machine, data representative of the token, wherein the automatic banking machine receives the token from a device of the recipient;
• sending, by the first server and to the user device, a request for a user identification data subset in response to receiving the data representative of the token from the automated banking machine;
• receiving, by the first server and from the user device, the user identification data subset in response to the request for the user identification data subset;
• sending, by the first server and to the automated banking machine, the user identification data subset in response to receiving the user identification data subset from the user device;
• sending, by the automated banking machine and to an automated teller machine driver, an automated teller machine transmission message and the user identification data subset, wherein the automated teller machine transmission message comprises the data representative of the token;
• forwarding, by the automated teller machine driver, the automated teller machine transmission message and the user identification data subset to an electronic funds transfer network;
• sending, by the electronic funds network and to a third server associated with a financial institution, the user identification data subset and portions of the automated teller machine transmission message;
• and
• receiving, by the automated banking machine and from the third server, a transaction acceptance message associated with the token;
• dispensing, by the automated banking machine, an amount of currency corresponding to the data representative of the amount in response to receiving the transaction acceptance message.