Systems and methods for mobile transactions

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.

What is claimed is: 
     
         1 . 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. 
   
     
     
         2 . The system of  claim 1 , wherein the information associated with previously requested transactions by the user via the mobile device comprises types of transactions requested by the user. 
     
     
         3 . The system of  claim 2 , wherein the service provider is further adapted to update the types of transactions previously requested by user based on the fund transfer request. 
     
     
         4 . The system of  claim 1 , wherein the information associated with previously requested transactions comprises a historical survey of financial transactions between the user and the service provider received via the mobile device. 
     
     
         5 . The system of  claim 1 , wherein the information associated with previously requested transactions by the user via the mobile device includes network traffic data. 
     
     
         6 . The system of  claim 1 , wherein the information associated with previously requested transactions by the user via the mobile device comprises location information associated with the mobile device. 
     
     
         7 . The system of  claim 1 , wherein the service provider is further adapted to set transaction limits on the user. 
     
     
         8 . The system of  claim 1 , wherein at least one of the one or more processors are configured to track, log, store and access financial transaction information and provide this information to the service provider for analysis and maintenance. 
     
     
         9 . The system of  claim 1 , wherein the service provider is further adapted to deposit funds into the user account based on a cash deposit request received from the user via a kiosk device. 
     
     
         10 . The system of  claim 1 , wherein the login information comprises one or more attributes related to the user. 
     
     
         11 . The system of  claim 10 , wherein the attributes related to the user comprise at least one of a user name, password, photograph image, biometric id, address, social security number, phone number, email address, and banking information. 
     
     
         12 . The system of  claim 11 , wherein the banking information comprises at least one of a banking institution, credit card issuer, user account numbers, and security information. 
     
     
         13 . The system of  claim 1 , wherein the mobile device is one selected from a group consisting of a cell phone, a PC, a laptop, a satellite phone, and a PDA. 
     
     
         14 . The system of  claim 1 , wherein the service provider is configured to cancel the transfer request based on a match to the pattern of potential fraud. 
     
     
         15 . 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.   
     
     
         16 . The method of  claim 15 , wherein the information associated with previously requested transactions by the user via the mobile device comprises types of transactions requested by the user. 
     
     
         17 . The method of  claim 15 , wherein the information associated with previously requested transactions by the user via the mobile device includes network traffic data. 
     
     
         18 . The method of  claim 15 , wherein the information associated with previously requested transactions by the user via the mobile device comprises location information associated with the mobile device. 
     
     
         19 . 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.   
     
     
         20 . The non-transitory machine readable medium of  claim 19 , the method further comprising cancelling the transaction based on information received from a service provider.