Methods, systems, and apparatuses for payment fulfillment

A consumer-operated system for providing a payment to a consumer, the consumer-operated system comprising:

• a memory;
• an interface configured to receive input from a consumer and to display information to the consumer;
• a processor disposed in communication with the memory and configured to execute instructions stored in the memory to:
• receive, via the interface, a request from the consumer for payment from an entity;
• request, via the interface, that the consumer provide verification information;
• receive the verification information from the consumer;
• send a request to a payment server for authorization to pay the consumer, wherein the request includes at least partial verification information;
• receive authorization from the payment server to dispense payment to the consumer;
• and
• dispense cash or a voucher to the consumer.

A consumer-operated kiosk system for fulfilling a payment to a consumer, the consumer-operated kiosk system comprising:

• a consumer-operated kiosk configured to communicate with a remote database,
• wherein the remote database includes information related to payments from at least one entity to the consumer,
• wherein the consumer-operated kiosk includes:
• means for receiving consumer identification information;
• and
• a communications facility configured to:
• communicate with the remote database to retrieve payment information associated with a consumer in response to receiving at least a request to fulfill a payment to the consumer, and
• initiate payment to the consumer of at least a portion of funds received at the consumer-operated kiosk.

A computer-readable medium, excluding transitory signals, storing instructions that when executed by one or more processors cause a machine to perform a method for fulfilling a payment to a consumer, by:

• receiving a notification to pay a consumer;
• receiving an amount of currency to pay the consumer;
• receiving verification required for paying the consumer;
• receiving, via an interface, input from the consumer to receive the amount of currency;
• providing, via an interface, a verification challenge to the consumer;
• receiving, via an interface, a response to the verification challenge from the consumer;
• determining that the response to the verification challenge is valid;
• and
• dispensing the amount of currency to pay the consumer or printing a voucher, wherein the voucher is redeemable for the amount of currency.