Systems and methods for executing a transaction via a locker

1 . A method of executing a transaction via a locker, the method comprising:

receiving, by a processing circuit of a locker control system, 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, by the processing circuit, that the seller deposited the good in the locker;

receiving, by the processing circuit, user authentication information through a first method of authentication;

determining, by the processing circuit, that the first method of authentication matches the selected method of authentication;

matching, by the processing circuit, 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, by the processing circuit, an unlock control signal to a locking device of the locker;

determining, by the processing circuit, 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, by the processing circuit, a transfer of funds from the account associated with the buyer to the account associated with the seller.

2 . The method of claim 1 , wherein the selected method of authentication comprises a second selected method of authentication, the user authentication information comprises second user authentication information, and the unlock signal comprises a second unlock signal, the method further comprising:

receiving, by the processing circuit, a first selection of a method of authentication;

receiving, by the processing circuit, first user authentication information through a second method of authentication;

determining, by the processing circuit, that the second method of authentication matches the first selected method of authentication;

matching, by the processing circuit, the first user authentication information with the data corresponding to the account of the seller; and

sending, by the processing circuit, a first unlock control signal to the locking device of the locker.

3 . The method of claim 2 , wherein detecting that the seller deposited the good in the locker is responsive to sending the first unlock control signal to the locking device of the locker.

4 . The method of claim 1 , wherein the data corresponding to the financial transaction comprises data identifying the good to be transferred from the seller to the buyer.

5 . The method of claim 4 , further comprising:

receiving by the processing circuit, image data from a camera; and

verifying, by the processing circuit, based on the image data, the good deposited in the locker by the seller is the identified good to be transferred.

6 . The method of claim 1 , wherein the user authentication information is received from an authentication computing device.

7 . The method of claim 1 , wherein detecting that the seller deposited the good in the locker comprises:

receiving, by the processing circuit, image data from a camera arranged to capture images from inside the locker; and

determining, by the processing circuit, that the seller deposited the good in the locker by matching the image data with an image of the good.

8 . The method of claim 1 , further comprising:

transmitting, by the processing circuit responsive to detecting that the seller deposited the good in the locker, a notification to a device associated with the buyer, the notification indicating the buyer has access to the locker; and

identifying, by the processing circuit, the authentication information to be used for authenticating the buyer at the locker.

9 . The method of claim 1 , wherein the user authentication information comprises at least one of institution log-in information, third party log-in information, data from a mobile device, a one-time pass code, or data associated with a debit card, credit card, or an automated teller machine (ATM) card.

10 . 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.

11 . The system of claim 10 , wherein the user authentication information comprises second user authentication information and the unlock signal comprises a second unlock signal, and wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the steps of:

receiving first user authentication information;

matching the first user authentication information with the data corresponding to the account of the seller; and

sending a first unlock control signal to the locking device of the locker.

12 . The system of claim 11 , wherein detecting that the seller deposited the good in the locker is responsive to sending the first unlock control signal to the locking device of the locker.

13 . The system of claim 10 , wherein the data corresponding to the financial transaction comprises data identifying the good to be transferred from the seller to the buyer.

14 . The system of claim 13 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the steps of:

receiving image data from a camera; and

verifying, based on the image data, the good deposited in the locker by the seller is the identified good to be transferred.

15 . The system of claim 10 , further comprising an authentication computing device, wherein the user authentication information is received from the authentication computing device.

16 . The system of claim 10 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the steps of:

receiving image data from a camera arranged to capture images from inside the locker; and

determining that the seller deposited the good in the locker by matching the image data with an image of the good.

17 . The system of claim 10 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the steps of:

transmitting, responsive to detecting that the seller deposited the good in the locker, a notification to a device associated with the buyer, the notification indicating the buyer has access to the locker; and

identifying the authentication information to be used for authenticating the buyer at the locker.

18 . The system of claim 10 , wherein the user authentication information comprises at least one of institution log-in information, third party log-in information, data from a mobile device, a one-time pass code, or data associated with a debit card, credit card, or an automated teller machine (ATM) card.

19 . 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.