Systems and methods for transacting at an atm using a mobile device

A system for authenticating a user at an automated teller machine (ATM), comprising:

• one or more memory devices storing instructions;
• and
• one or more processors configured to execute the instructions to:
• receive, at the ATM, a transaction request received from a mobile device associated with a customer;
• identify a customer account based on the transaction request;
• detect capabilities associated with the mobile device;
• request authentication data from the customer based on the detected capabilities of the device and the transaction request;
• request customer identification data from a database;
• compare customer identification data received from the database and the authentication data received from the customer via the mobile device;
• and
• authenticate the user at the ATM based on the comparison.

A computer-implemented method for authenticating a user at an automated teller machine (ATM), comprising:

• one or more memory devices storing instructions;
• and
• one or more processors configured to execute the instructions to:
• receiving, by one or more processors of the ATM, a transaction request received from a mobile device associated with a customer;
• identifying a customer account based on the transaction request;
• detecting capabilities associated with the mobile device;
• requesting authentication data from the customer based on the detected capabilities of the device and a determined transaction tier associated with the transaction request;
• requesting customer identification data from a database;
• comparing customer identification data received from the database and the authentication data received from the customer via the mobile device;
• authenticating the user at the ATM based on the comparison.

A non-transitory computer-readable medium storing instructions executable by a processor to perform operations for authenticating a user at an automated teller machines (ATM), comprising:

• receiving, at the ATM, a transaction request received from a detected mobile device associated with a customer;
• identifying a customer account based on the transaction request;
• detecting a capability associated with the mobile device;
• requesting authentication data from the customer based on the detected capability of the device and a transaction tier of the transaction request;
• requesting customer identification data from a database;
• comparing customer identification data received from the database and the authentication data received from the customer via the mobile device;
• authenticating, at the ATM, the user based on the comparison.