Secure emergency resource authentication system and method

A system for providing emergency access to a secured resource, the system comprising a processor and machine-readable media including instructions which, when executed by the processor, cause the processor to:

• present a first menu on a display for a kiosk, the first menu related to Automated Teller Machine (ATM) services provided by the kiosk during a first operational mode, wherein access to the services of the first operational mode is initiated via a physical credential;
• receive, at a computing device for the kiosk and in an absence of the physical credential, an emergency access code input by a user via a numeric keypad of the kiosk, wherein the emergency access code corresponds to a predetermined biometric data type;
• in response to receiving the emergency access code, automatically switch the computing device from the first operational mode to a second operational mode associated with secured resource emergency access services, wherein the second operational mode replaces the first menu with a prompt requesting authentication input, and wherein the secured resource emergency access services of the second operational mode are limited relative to the ATM services of the first operational mode by one or more restriction rules stored in a member record, the one or more restriction rules including at least one of a cash limit, a credit limit, a time expiration, or a geographic restriction;
• receive, during the second operational mode and at a remote server and from the computing device for the kiosk associated with the financial institution, a first biometric pattern captured by a biometric input device of the kiosk, the first biometric pattern being of the predetermined biometric data type;
• access, via the server and in response to receiving the first biometric pattern, a second biometric pattern stored in the member record;
• determine, at the server, the first biometric pattern is sufficiently similar to the second biometric pattern so as to be classified as a match;
• and
• transmit, from the server and in response to determining there is a match, a first signal to the kiosk computing device, the first signal authorizing the kiosk to release the secured resource;
• and
• transmit, from the kiosk computing device and in response to receiving the first signal, a control signal to a dispenser to release the secured resource, the secured resource including one of cash funds, a credit card, and a Subscriber Identity Module (SIM) card.

A system for providing emergency access to a secured resource, the system comprising a kiosk comprising:

• a display;
• a physical credential reader;
• an access code input device comprising a numeric keypad;
• a biometric input device;
• a dispenser;
• and
• a first computing device including a first processor and a first memory;
• and
• a remote server communicatively coupled to the kiosk, the remote server comprising a second processor and a second memory storing member records including a second biometric pattern;
• wherein the first processor is configured to:
• cause the display to present a first menu related to Automated Teller Machine (ATM) services during a first operational mode, wherein access to the services of the first operational mode is initiated via the physical credential reader;
• receive, via the access code input device and in an absence of the physical credential, an emergency access code, wherein the emergency access code corresponds to a predetermined biometric data type;
• in response to receiving the emergency access code, automatically switch from the first operational mode to a second operational mode associated with secured resource emergency access services, wherein the second operational mode replaces the first menu with a prompt requesting authentication input, and wherein the secured resource emergency access services of the second operational mode are limited relative to the ATM services of the first operational mode by one or more restriction rules stored in a member record, the one or more restriction rules including at least one of a cash limit, a credit limit, a time expiration, or a geographic restriction;
• and
• during the second operational mode, cause the biometric input device to capture a first biometric pattern and transmit the first biometric pattern to the remote server, wherein the first biometric pattern is of the predetermined biometric data type;
• wherein the second processor is configured to:
• receive, from the kiosk, the first biometric pattern;
• access, from the second memory, the second biometric pattern stored in the member record;
• determine the first biometric pattern is sufficiently similar to the second biometric pattern so as to be classified as a match;
• and
• transmit, in response to determining there is a match, a first signal to the kiosk, the first signal authorizing the kiosk to release the secured resource;
• wherein the first processor is further configured to, in response to receiving the first signal, transmit a control signal to the dispenser to release the secured resource, the secured resource including one of cash funds, a credit card, and a Subscriber Identity Module (SIM) card.