Cash transaction machine

A system associated with a payment service and comprising one or more processors and a non-transitory computer-readable memory communicatively coupled with the one or more processors, the non-transitory computer-readable memory comprising instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:

• receiving, through a mobile payment application executing on a mobile device of a user, a request for a cash withdrawal transaction, wherein the request includes location data associated with a location of the mobile device;
• identifying, based at least in part on the location data of the mobile device of the user, a cash transaction machine (CTM) that is physically located within a vicinity of the location of the mobile device, wherein the CTM comprises an Automated Teller Machine (ATM) associated with a financial institution, a point-of-sale (POS) system, or a device of another user of the payment service;
• causing presentation of, on a display of the mobile device, a physical location of the CTM;
• generating a temporary transaction code, wherein the temporary transaction code is configured to authenticate the user to at least the CTM, wherein the temporary transaction code is configured to be active from a first time to a second time, and wherein the second time is the earlier of expiration of a predetermined period of time after the first time or when a change in the location data of the mobile device indicates that a position of the mobile device is outside of a geo-fence associated with the CTM;
• provisioning the temporary transaction code at the first time to the mobile payment application;
• validating the cash withdrawal transaction based on proximity-based communications between the mobile device of the user and the CTM;
• and
• in response to receiving a notification of the cash withdrawal transaction using the temporary transaction code, modifying a ledger associated with the payment service.

A non-transitory computer-readable medium storing instructions that, when executed, effectuate operations comprising:

• receiving, by a payment service system of a payment service and through a mobile payment application executing on a mobile device of a user, a request for a cash transaction, wherein the request includes location data associated with a location of the mobile device;
• identifying, by the payment service system and based at least in part on the location data of the mobile device of the user, a relevant cash transaction machine (CTM), wherein relevance comprises (i) being physically located within a vicinity of the location of the mobile device of the user or (ii) one or more other characteristics of at least one of the mobile device, the user, or the CTM, and wherein the CTM comprises an Automated Teller Machine (ATM) associated with a financial institution, a point-of-sale (POS) system, or a device of another user of the payment service;
• causing presentation of, by the payment service system and on a display of the mobile device, a physical location of the CTM;
• generating, by the payment service system, a temporary transaction code, wherein the temporary transaction code is configured to authenticate the user to at least the CTM, wherein the temporary transaction code is configured to be active from a first time to a second time, and wherein the second time is the earlier of expiration of a predetermined period of time after the first time or when a change in the location data of the mobile device indicates that a position of the mobile device is outside of a geo-fence associated with the CTM;
• provisioning, by the payment service system at the first time, the temporary transaction code to the mobile payment application;
• validating the cash transaction based on proximity-based communications between the mobile device of the user and the CTM;
• and
• in response to receiving a notification of a cash withdrawal transaction using the temporary transaction code, modifying a ledger associated with the payment service.