Abstract: In a mobile device that is in a screen locked state, first and second images provide varying levels of information associated with a given GPS location, first, when the mobile device is within the first pre-determined radius, r1, of a given GPS location and outside the second pre-determined radius, r2, of the given GPS location, and while the mobile device is in a screen locked state and, second, when the mobile device is within the first pre-determined radius, r1, of a given GPS location and inside the second pre-determined radius, r2, of the given GPS location, also while the mobile device is in a screen locked state, where the application may not be the last run application in the mobile device.

Abstract: An article of manufacture has non-transitory computer readable storage medium comprising computer readable program code executable by a processor in a mobile device to implement a method, where, when the mobile device is at a business location, a user of the mobile device is authenticated non-invasively (e.g., utilizing the camera of the mobile device, using facial recognition, utilizing the camera of the mobile device and authenticating via facial recognition, etc.). Upon successful authentication, a scanning code is displayed over a lock screen wallpaper of the mobile device, where power is conserved in the mobile device by providing the scanning code without having to unlock the mobile device.

Abstract: A financial transaction is facilitated without unlocking a mobile device, where the lock screen wallpaper of a mobile device is dynamically set to an image having a scanning code (e.g., a QR code, a barcode, etc.) for use at a business location that the user is currently located.