Atm leveraging edge devices for offline processing

A system for facilitating offline processing of electronic transactions at an automated teller machine (“ATM”) when the ATM does not support a network connection, the offline processing of electronic transactions being between a mobile device and the ATM, the system comprising:

• the mobile device being in electronic communication with an online application server, the mobile device configured to:
• store, within a local repository at the mobile device, account data including a biometric of a user of the mobile device and an updatable account balance associated with a personal account of the user;
• and
• retrieve, at pre-determined intervals, transaction data associated with a plurality of transactions executed on the mobile device, the transaction data comprising, for each transaction:
• a transaction value;
• a location where the transaction was executed;
• and
• a transaction date;
• the ATM configured to operate in an offline processing mode when the network connection is unsupported, the offline processing mode comprising an ATM state wherein the ATM does not support the network connection, the offline processing mode including:
• receiving a transaction request, the account data and the transaction data from the mobile device;
• authenticating the user of the mobile device, the authenticating comprising triggering a request for input of the biometric from the user for authenticating the user, and further authenticating the user based on a comparison of the biometric stored at the mobile device;
• and
• in response to the authenticating, denying or executing the transaction request as follows:
• when the transaction data stores more than a predetermined threshold of transaction locations positioned at a distance greater than a pre-determined distance from the ATM, the ATM is configured to deny the request;
• and
• when the transaction data stores more than the predetermined threshold of transaction locations positioned at a distance less than the pre-determined distance from the ATM, the ATM is configured to execute the transaction request, the executing of the transaction request comprising:
• executing the transaction request at the ATM;
• updating an account balance stored in a local data repository at the ATM, the updating to reflect the execution of the transaction request;
• transmitting an electronic communication to the mobile device confirming the execution of the transaction request;
• and
• transmitting transaction data associated with the transaction request into a transaction processing queue at the ATM;
• the mobile device configured to:
• receive the electronic communication and update the account balance stored at the mobile device;
• and
• store, at the mobile device, transaction data associated with an execution of the transaction request performed at the ATM;
• and
• a central server, when network connection is re-established, is configured to:
• receive the transaction data from the transaction processing queue;
• retrieve from the mobile device, an activity log of executions performed by the mobile device;
• confirm that the transaction request received at the ATM is included in the activity log;
• and
• following confirming, process the transaction request by updating the personal account of the user at the central server based on the transaction request.

A method for facilitating offline processing of electronic transactions at an automated teller machine (“ATM”) when the ATM does not support a network connection, the offline processing of electronic transactions being between a mobile device and the ATM, the method comprising:

• receiving, at the ATM, a transaction request and account data from a mobile device when the ATM is in an offline processing mode, the ATM configured to operate in an offline processing mode when the network connection is unsupported, the account data comprising:
• a biometric of a user of the mobile device;
• an updatable account balance of a personal account associated with the user;
• and
• transaction data associated with a plurality of transactions executed via the mobile device within a prior window of time, the transaction data comprising, for each of the plurality of transactions:
• a transaction value;
• a location where the transaction was executed;
• and
• a transaction date;
• authenticating the user of the mobile device, the authenticating comprising triggering a request for input of a biometric from the user for authenticating the user, and further authenticating the user based on a comparison of the biometric stored at the mobile device;
• and
• in response to the authenticating, denying or executing the transaction request as follows:
• when transaction data stored at the mobile device comprises a predetermined threshold of transaction locations positioned at a distance greater than a pre-determined distance from the ATM, the ATM is configured to deny the request;
• and
• when the transaction data stored at the mobile device comprises the predetermined threshold of transaction locations positioned at a distance less than the pre-determined distance from the ATM, the ATM is configured to execute the transaction request, the executing of the transaction request comprising:
• executing the transaction request at the ATM;
• updating an account balance stored in a local data repository at the ATM, the updating to reflect the execution of the transaction request;
• transmitting an electronic communication to the mobile device confirming the execution of the transaction request;
• and
• transmitting transaction data associated with the transaction request into a transaction processing queue at the ATM.