SYSTEMS AND METHODS FOR CONFIGURING A MOBILE DEVICE TO AUTOMATICALLY INITIATE PAYMENTS
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 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 executing an account function by a mobile device, the method comprising:
detecting, by at least one of a movement or orientation detection component of the mobile device, a sequence of actions performed by a user of the mobile device, the sequence of actions including at least one of an orientation or motion of the mobile device;
determining, by at least one processor of the mobile device, an identification of a payment method associated with the sequence of actions within a data structure accessible to the processor, the payment method defining a communication type between the mobile device and a merchant system;
determining whether verification of the user is required;
verifying the user based on a determination that verification is required; and
initiating, based on the detected sequence of actions and the verification, a transaction with a merchant using the payment method, the payment method being selected from a plurality of payment methods based on the detected sequence of actions.
2 . The method of claim 1 , further comprising receiving a log on request, wherein determining whether verification of the user is required includes determining whether the log on request includes a secret associated with the user.
3 . The method of claim 2 , wherein the secret includes at least one of a specific sequence, a specific pattern, or a specific number.
4 . The method of claim 1 , wherein verifying the user includes detecting an authentication motion of the device.
5 . The method of claim 4 , wherein the authentication motion includes rotating or flipping the device in a specific direction.
6 . The method of claim 1 , wherein receiving the identification of a payment method comprises receiving an identification of 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 a short message service (SMS)-based payment method.
7 . The method of claim 1 , wherein detecting the sequence of actions comprises detecting actions using at least one of an accelerometer or orientation circuitry in the mobile device.
8 . The method of claim 1 , wherein detecting the sequence of actions comprises detecting a pressing of at least one mobile device function button.
9 . The method of claim 8 , wherein detecting the pressing of at least one mobile device function button comprises detecting a pressing of a volume button.
10 . The method of claim 1 , wherein detecting the sequence of actions comprises detecting actions using a touch-sensitive display of the mobile device.
11 . The method of claim 10 , wherein the sequence of actions includes a sequence of taps on the touch-sensitive display.
12 . The method of claim 11 , wherein the sequence of actions includes at least one of a specific pattern or a plurality of characters drawn on the touch-sensitive display.
13 . A computerized mobile device that is configurable for automatically executing an account function, the mobile device comprising:
a memory configured to store a data structure comprising instructions for the mobile device to perform one or more account functions; and
at least one processor configured to perform operations comprising:
detecting, by at least one of a movement or orientation detection component of the mobile device, a sequence of actions performed by a user of the mobile device, the sequence of actions including at least one of an orientation or motion of the mobile device;
determining, by the at least one processor of the mobile device, an identification of a payment method associated with the sequence of actions within the data structure, the payment method defining a communication type between the mobile device and a merchant system;
determining whether verification of the user is required;
verifying the user based on a determination that verification is required; and
initiating, based on the detected sequence of actions and the verification, a transaction with a merchant using the payment method, the payment method being selected from a plurality of payment methods based on the detected sequence of actions.
14 . The computerized mobile device of claim 13 , wherein the operations further comprise receiving a log on request and wherein determining whether verification of the user is required includes determining whether the log on request includes a secret associated with the user.
15 . The computerized mobile device of claim 14 , wherein the secret includes at least one of a specific sequence, a specific pattern, or a specific number.
16 . The computerized mobile device of claim 13 , wherein verifying the user includes detecting an authentication motion of the device.
17 . The computerized mobile device of claim 16 , wherein the authentication motion includes rotating or flipping the device in a specific direction.
18 . The computerized mobile device of claim 13 , 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 a short message service (SMS)-based payment method.
19 . The computerized mobile device of claim 13 , wherein the sequence of actions is further detected using at least one of a mobile device function button or a touch-sensitive display of the mobile device.
20 . A non-transitory computer-readable medium including instructions that when executed by at least one processor cause the at least one processor to perform a method for automatically executing an account function by a mobile device, the method comprising:
receiving a log on request based on an input from a user, the log on request including a secret associated with the user;
detecting, by at least one of a movement or orientation detection component of the mobile device, a sequence of actions performed by a user of the mobile device, the sequence of actions including at least one of an orientation or motion of the mobile device;
determining, by at least one processor of the mobile device, an identification of a payment method associated with the sequence of actions within a data structure accessible to the processor, the payment method defining a communication type between the mobile device and a merchant system;
verifying the user based on the secret associated with the user; and
initiating, based on the detected sequence of actions and the verification, a transaction with a merchant using the payment method, the payment method being selected from a plurality of payment methods based on the detected sequence of actions.