Systems and methods for executing a transaction via a locker

A system for executing a transaction via a locker comprising:

• a locker having a storage space that stores a good to be transferred from a seller to a buyer and a locker door that secures the storage space;
• a locking device that locks or unlocks the locker door;
• one or more processors;
• and
• memory storing instructions that, when executed by the one or more processors, cause the one or more processors to perform the steps of:
• receiving, from a computing device corresponding to a buyer or a seller, data corresponding to a financial transaction between the buyer and the seller, the data comprising a user request for the locker, data corresponding to an account of the buyer of a financial institution, data corresponding to an account of the seller, a selection of a method of authentication, and an amount to be transferred responsive to determining that the buyer accepted a good;
• detecting that the seller deposited the good in the locker;
• receiving user authentication information through a first method of authentication;
• determining that the first method of authentication matches the selected method of authentication;
• matching the user authentication information with the data corresponding to the account of the buyer;
• responsive to matching the user authentication information with the data corresponding to the account of the buyer and determining that the first method of authentication matches the selected method of authentication, sending an unlock control signal to a locking device of the locker;
• determining that the buyer removed and accepted the good from the locker;
• and
• responsive to determining the buyer removed and accepted the good from the locker, automatically initiating a transfer of funds from the account associated with the buyer to the account associated with the seller.

A non-transitory computer readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of:

• receiving, from a computing device corresponding to a buyer or a seller, data corresponding to a financial transaction between the buyer and the seller, the data comprising a user request for a locker, data corresponding to an account of the buyer of a financial institution, data corresponding to an account of the seller, a selection of a method of authentication, and an amount to be transferred responsive to determining that the buyer accepted a good;
• detecting that the seller deposited the good in the locker;
• receiving user authentication information through a first method of authentication;
• determining that the first method of authentication matches the selected method of authentication;
• matching the user authentication information with the data corresponding to the account of the buyer;
• responsive to matching the user authentication information with the data corresponding to the account of the buyer and determining that the first method of authentication matches the selected method of authentication, sending an unlock control signal to a locking device of the locker;
• determining that the buyer removed and accepted the good from the locker;
• and
• responsive to determining the buyer removed and accepted the good from the locker, automatically initiating a transfer of funds from the account associated with the buyer to the account associated with the seller.