Systems and methods for completing transaction via curbside service

A computing system comprising:

• a network interface configured to communicate data over a network;
• a processing circuit structured to:
• receive a curbside transaction request from a user device, the user device being associated with an account holder of a financial institution, and the curbside transaction request including a transaction description;
• determine, based on the transaction description and a branch service availability, a branch location from a plurality of branch locations associated with the financial institution;
• update, in real-time, the branch location based on additional information received from the user device;
• transmit a curbside set-up request to a branch location computing system associated with the branch location;
• receive, via at least one of a proximity sensor or a license plate scanner, at a designated curbside location at the branch location, a presence of a vehicle associated with the account holder within the designated curbside location;
• authenticate the account holder at the branch location to initiate a transaction in accordance with the curbside transaction request, wherein the account holder is authenticated based on geolocation information associated with the user device relative to a location of the branch location;
• and
• enable access to a secured receptacle prepared for the transaction based on the authentication.

A non-transitory computer readable media having computer executable instructions that, when executed by a computing system, causes the computing system to perform operations for servicing an account holder of a financial institution, the operations comprising:

• receiving a curbside transaction request from a user device, the user device being associated with the account holder, and the curbside transaction request including a transaction description;
• determining based on the transaction description and a branch service availability, a branch location from a plurality of branch locations associated with the financial institution;
• updating, in real-time, the branch location based on additional information received from the user device;
• transmitting a curbside set-up request to a branch location computing system associated with the branch location;
• receiving, via at least one of a proximity sensor or a license plate scanner, at a designated curbside location at the branch location, a presence of a vehicle associated with the account holder within the designated curbside location;
• authenticating the account holder at the branch location to initiate a transaction in accordance with the curbside transaction request, wherein the account holder is authenticated based on geolocation information associated with the user device relative to a location of the branch location;
• and
• enabling access to a secured receptacle prepared for the transaction based on the authentication.