Cross-channel security authentication

A device comprising:

• at least one processor;
• at least one memory device;
• at least one input device;
• a display device;
• at least one network interface device;
• and
• a payment account app stored in the at least one memory device and executable by the at least one processor to perform data processing activities comprising:
• receiving a payment authorization request including a payment amount and payee identifying data;
• retrieving an available funds amount of the payment account over a network by the payment account app on the mobile device from a process of a financial institution that maintains the payment account;
• verifying the payment amount included in payment authorization request is no greater than the retrieved available funds amount:
• presenting a representation of the payment authorization request on the display device;
• receiving approval or denial input via the at least one input device following receipt of valid payment account authentication input via the at least one input device;
• and
• following receipt of approval input:
• generating authorized payment output to provide in response to the received payment authorization request;
• and
• transmitting, via the at least one network interface device, data indicating receipt of the approval input to a payment authorization process of a financial institution that maintains the payment account, the indication of receipt of the approval input notifying the financial institution that an authenticated payment request will be forthcoming via a payment processing network.