Systems and methods for mobile transactions
AssigneeeBay Inc.
InventorsAmol PATEL, Frederik Malcolm Vernon
Life of this patent
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Abstract
In accordance with one or more embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a user via a kiosk device and a mobile communication device over the network. In various implementations, the systems and methods include accessing at least one account related to the user, depositing funds into the account based on a cash deposit request received from the user at the kiosk device, and transferring funds from the account to one or more other accounts, related and/or unrelated to the user, based on a fund transfer request received from the user via the mobile communication device.
Claims20
A system for facilitating financial transactions over a network, the system comprising:
- a service provider comprising a memory and one or more processors configured to access a user account, the service provider adapted to:
- communicate with the network;
- receive user login information;
- access the user account using a first processor following receiving the user login information;
- receive a fund transfer request from a mobile device;
- determine whether the fund transfer request matches a pattern of potential fraud, the pattern of potential fraud being based on information associated with previously requested transactions by the user via the mobile device;
- and
- transfer deposited funds from the user account to one or more other accounts by adding funds to the other accounts based on the transfer request and based on the determination of whether the fund transfer request matches the pattern of potential fraud.
A method for facilitating financial transactions over a network using a service provider, the method comprising:
- communicating with the network;
- receiving user login information;
- accessing the user account using a first processor following receiving the user login information;
- receiving a fund transfer request from a mobile device;
- determining whether the fund transfer request matches a pattern of potential fraud, the pattern of potential fraud being based on information associated with previously requested transactions by the user via the mobile device;
- and
- transferring deposited funds from the user account to one or more other accounts by adding funds to the other accounts based on the transfer request and based on the determination of whether the fund transfer request matches the pattern of potential fraud.
A non-transitory machine-readable medium comprising a first plurality of machine-readable instructions which when executed by one or more processors associated with a plurality of cache units are adapted to cause the one or more processors to perform a method comprising:
- communicating with the network;
- receiving user login information;
- accessing the user account using a first processor following receiving the user login information;
- receiving a fund transfer request from a mobile device;
- determining whether the fund transfer request matches a pattern of potential fraud, the pattern of potential fraud being based on information associated with previously requested transactions by the user via the mobile device;
- and
- transferring deposited funds from the user account to one or more other accounts by adding funds to the other accounts based on the transfer request and based on the determination of whether the fund transfer request matches the pattern of potential fraud.
Dependencies are inferred from the claim text.