Systems and methods for mobile transactions

摘要

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 finds 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.

主权项

1. A system for facilitating financial transactions over a network, the system comprising:
a service provider including a processing component to access a user account in a database, a network interface component configured to communicate with the network, and a memory component; wherein
the service provider is adapted to communicate with a user via a kiosk device and directly through a mobile communication device over the network using the network interface component;the service provider is adapted to access the user account using the processing component in response to the user entering login information for the user account directly into the kiosk;the service provider is configured to deposit funds into the user account using the processing component based on a cash deposit request received from the user via the kiosk device,
the cash deposit request including a kiosk identifier provided by the kiosk to associate the cash deposit with the user account, the kiosk identifier including attributes related to the kiosk and network information;the service provider is configured to transfer the deposited funds from the user account to one or more other accounts by adding credit to the one or more other accounts using the processing component and the database, based on a fund transfer request received from the user directly through the mobile communication device when the fund transfer request does not match a pattern of potential fraud as determined from a user profile associated with the user account, the user profile being created using data and information obtained from types of transactions requested by the user with the service provider using the mobile communication device;the service provider is configured to send a transaction receipt to the mobile communication device as at least one of a text message and an email, the transaction receipt including information related to the funds transfer; andthe service provider maintains the database using the processing component for accessing the one or more other accounts.