The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.

A server can include a detection module for monitoring an electronic account and detecting irregular or fraudulent activities. The detection module can be a machine learning model configured to detect activities or patterns indicative of an account being compromised, hacked or accessed by unauthorized users. Upon detection of the irregular activities or patterns, the detection module can transmit a notification or signal to a trigger module which can implement remedial actions. The trigger module can receive the signal from the detection module and execute an action in accordance with a trigger plan. The trigger plan can include various information and a range of actions, which can be selected and/or executed based on the information included in the signal.

A method includes receiving current device profile data with respect to a mobile device. The method further includes comparing the received current device profile data with stored reference device profile data. In addition, the method includes making a device authentication determination with respect to the mobile device based at least in part on a result of the comparing step. The received current device profile data and the stored reference device profile data are indicative of at least one application program characteristic of the mobile device.

A system for evaluating risk in an electronic banking transaction by estimating an aggregated risk value from a set of risk factors that are either dependent or independent of each other, comprising: user input means for enabling an end user to provide authentication information related to a desired electronic banking transaction; financial institution authentication means for authenticating that an end user is authorized to conduct the desired electronic transaction; risk computation means for imposing authentication requirements upon the end user in adaptation to a risk value of the desired banking electronic banking transaction; transaction session means for tracking an amount of time that the desired electronic banking transaction is taking; and financial institution transaction means for storing data related to the desired electronic banking transaction.

Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized global positioning satellite or other secure location information, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant.

Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can originate from a payer computing device and include transaction information obtained from an identity management service associated with the payer. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer. The payer financial server authenticates the payer identification, authorizes the payment transaction, and transmits a transaction status message to the payee financial server, which in turn transmits the message to the payee computing device.

Disclosed are systems, mediums, and methods of an unmanned aerial vehicle (UAV) delivery system. The system controls and manages UAVs for delivering packages. The system receives a drop off location for a package and instructs a UAV to navigate to the drop off location with the package. The system notifies a recipient of the package delivery through a device of the recipient, and in response to receiving one or more responses to the notification, causes the UAV to allow access to the package being delivered.

Electronic transaction systems and methods are operable to conduct transaction verification and authorization process for an electronic transaction. An exemplary embodiment determines location of a personal electronic device of a consumer during an electronic transaction; determines location of an electronic transaction device that the consumer is using to conduct the electronic transaction; determines a distance between the personal electronic device of the consumer and the electronic transaction device; compares the determined distance with a predefined distance; and verifies and authorizes the electronic transaction when the determined distance less than or equal to the predefined distance.

A system for indirect transactions between a buyer and a seller, the system comprising: at least one beacon configured to produce at least one signal; an object that is coupled to the beacon; a buyer device configured to be able to issue purchase requests and comprising a detector, wherein the detector is configured to detect the at least one signal and further comprises; a server, wherein the server comprises an entry stored in a memory that associates the object with the signal and with a seller, and an entry stored in a memory that associates the object with purchasing information associated with the object, and is configured to: determine that the seller is associated with the object based on the signal detected by the buyer device; provide purchasing information associated with the object or a copy of the object to the buyer device.