Systems and methods for detecting and tracking customer interaction

A customer card, comprising:

• an identification component configured to provide, to a merchant system, identification of a financial service product associated with a financial service account;
• a passive communication component configured to provide, to a detection hub located in an environment, information regarding a location and a sequence of movement of the customer card within the environment, the location information being based on an interaction with a tag within a predetermined proximity for a predetermined duration of time, the interaction enabling the detection hub to determine whether to communicate a purchase event to the merchant system based on the location of the customer card relative to the environment, wherein the interaction is based on a comparison of a metric associated with the interaction and a range of values dynamically determined based on a prior interaction with another item, and wherein the range of values is dynamically determined based on aggregate financial service account behavior derived from an analysis of real-time and historical data associated with the financial service account;
• and
• an authentication component configured to automatically provide, to the merchant system, secure authentication information in response to the merchant system initiating a financial transaction from the financial service account when the authentication component is within a payment zone, the financial transaction corresponding to the purchase event.

A system, comprising:

• a customer card, comprising:
• an identification component configured to provide, to a merchant system, identification of a financial service product associated with a financial service account;
• and
• a card location component providing information regarding a location of the customer card;
• an authentication component configured to automatically provide, to the merchant system, secure authentication information in response to the merchant system initiating a financial transaction from the financial service account when the authentication component is within a payment zone;
• and
• a detection hub positioned in an environment and configured to detect a user interaction with an item within a predetermined proximity for a predetermined duration of time based on the card location information, a sequence of movement of the customer card within the environment, wherein the interaction is based on a comparison of a metric associated with the interaction and a range of values dynamically determined based on a prior interaction with another item, and wherein the range of values is dynamically determined based on aggregate financial service account behavior derived from an analysis of real-time and historical data associated with the financial service account, and item location information received from an item tag associated with the item, the user interaction enabling the detection hub to determine whether to communicate a purchase event to the merchant system based on the location of the customer financial card relative to the environment, the purchase event corresponding to the financial transaction.