Systems and methods for initiating payment from a client device
The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
1. A computer-implemented method for automatically initiating an account function using a mobile client device, comprising:
detecting a physical manipulation of a mobile client device performed by a user, the mobile device having one of a touch-sensitive or a stylus-sensitive component and executing a first software application;
determining, by the mobile client device, a deep-linked payment function to perform based on the detected physical manipulation, wherein:
the determination uses a configurable deep-link data structure to associate the deep-linked payment function with the detected physical manipulation; and
the deep-linked payment function requires user verification;
detecting, by the mobile client device, a motion pattern associated with a physical drawing action performed on the mobile client device by the user;
verifying the user by the mobile client device, based on the detected motion pattern; and
automatically initiating the deep-linked payment function by the mobile client device, wherein automatically initiating the deep-linked payment function comprises selecting:
a payment method from a plurality of payment methods for performing the deep-linked payment function, the payment method being selected based on the detected physical manipulation, and
a source account associated with funds for completing the deep-linked payment function, the source account being selected based on the detected physical manipulation.
2. The method of claim 1 , wherein the motion pattern represents at least one of a code word, a name, or a set of initials associated with predetermined criteria provided by the first software application.
3. The method of claim 2 , wherein the predetermined criteria comprise criteria preconfigured with the software application.
4. The method of claim 2 , wherein the predetermined criteria comprise the motion pattern and are selected by the user.
5. The method of claim 1 , wherein the payment method comprises at least one of an optical payment code payment method, a near-field communication payment method, an audio payment signal method, an internet-based payment method, or an SMS-based payment method.
6. A mobile apparatus for automatically initiating an account function, comprising:
one of a touch-sensitive or a stylus-sensitive component;
a memory storing software instructions, the instructions comprising a first application configured to perform account functions; and
at least one processor configured to execute the instructions to:
detect a physical manipulation of the mobile device performed by a user;
determine a deep-linked payment function to perform, based on the detected physical manipulation, wherein:
the determination uses a configurable deep-link data structure to associate the payment function with the detected physical manipulation; and
the determined payment function requires user verification;
detect, by the user, a motion pattern associated with a physical drawing action performed on the one of a touch-sensitive or stylus-sensitive component;
verify the user, based on the detected motion pattern; and
automatically initiate the payment function based at least on the verified motion pattern, wherein initiating the payment function comprises selecting:
a payment method from a plurality of payment methods for performing the payment function, the payment method being selected based on the detected physical manipulation, and
a source account associated with funds for completing the payment function, the source account being selected based on the detected physical manipulation.
7. The mobile apparatus of claim 6 , wherein the motion pattern represents at least one of a code word, a name, or a set of initials associated with predetermined criteria provided by the first software application.
8. The mobile apparatus of claim 7 , wherein the predetermined criteria comprise criteria preconfigured with the software application.
9. The mobile apparatus of claim 7 , wherein the predetermined criteria comprise the motion pattern and are selected by the user.
10. The mobile apparatus of claim 6 , wherein the payment method comprises at least one of an optical payment code payment method, a near-field communication payment method, an audio payment signal method, an internet-based payment method, or an SMS-based payment method.
11. A non-transitory computer-readable storage medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations comprising:
detecting a physical manipulation of a mobile client device performed by a user;
determining, by the mobile client device, a deep-linked payment function to perform, based on the detected physical manipulation, wherein:
the determination uses a configurable deep-link data structure to associate the payment function with the detected physical manipulation; and
the determined payment function requires user verification;
detecting, in the mobile client device, a motion pattern associated with a physical drawing action performed on the mobile client device by the user;
verifying the user by the mobile client device, based on the detected motion pattern; and
automatically initiating the payment function by the mobile client device, wherein initiating the payment function comprises selecting:
a payment method from a plurality of payment methods for performing the payment function, the payment method being selected based on the detected physical manipulation, and
a source account associated with funds for completing the payment function, the source account being selected based on the detected physical manipulation.
12. The storage medium of claim 11 , wherein the motion pattern represents at least one of a code word, a name, or a set of initials associated with predetermined criteria provided by the first software application.
13. The storage medium of claim 12 , wherein the predetermined criteria comprise criteria preconfigured with the software application.
14. The storage medium of claim 12 , wherein the predetermined criteria comprise a motion pattern and are selected by the user.
15. The storage medium of claim 11 , wherein the payment method comprises at least one of an optical payment code payment method, a near-field communication payment method, an audio payment signal method, an internet-based payment method, or an SMS-based payment method.