Abstract: Disclosed is a currency management application to facilitate customized transfer of value between two parties via a digital coin. The digital coin can be personalized and programmed. For example, the digital coin can be personalized with a set of attributes, such as a design, color, shape or theme, and can be programmed with a set of rules, such as where the digital coin can be redeemed and/or who the digital coin can be transferred to. The digital coin is associated with a value, which is determined in terms of a fiat currency or cryptocurrency. This digital coin can be used for peer to peer payments, merchant payments and redeemable/withdrawn through a financial institution, such as a bank account.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g., mobile network device, authentication.

Abstract: In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.

Abstract: Disclosed is a currency management application to facilitate customized transfer of value between two parties via a digital coin. The digital coin can be personalized and programmed. For example, the digital coin can be personalized with a set of attributes, such as a design, color, shape or theme, and can be programmed with a set of rules, such as where the digital coin can be redeemed and/or who the digital coin can be transferred to. The digital coin is associated with a value, which is determined in terms of a fiat currency or cryptocurrency. This digital coin can be used for peer to peer payments, merchant payments and redeemable/withdrawn through a financial institution, such as a bank account.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g., mobile network device, authentication.

Abstract: In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g., mobile network device, authentication.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g., mobile network device, authentication.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g., mobile network device, authentication.

Abstract: There is provided systems and method for account creation using a feature phone. A user is able to create an account through a feature phone using limited or no Internet access. A user may request to set up an account with a payment provider and the user is asked to confirm that certain information can be provided to the service provider, such as a name, address, and identifier. Once confirmed correct, the user enters the date of birth. The service provider then request and/or creates an email associated with the account. The service provider then calls the user enter a payment card number, along with an expiration date and security code, as a funding source for the account. The user further establishes a PIN for future transactions. Once confirmed, the account is active and ready to use.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g., mobile network device, authentication.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client authentication, e.g., mobile network device authentication.

Abstract: In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.

Abstract: In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.

Abstract: There is provided systems and method for account creation using a feature phone. A user is able to create an account through a feature phone using limited or no Internet access. A user may request to set up an account with a payment provider and the user is asked to confirm that certain information can be provided to the service provider, such as a name, address, and identifier. Once confirmed correct, the user enters the date of birth. The service provider then request and/or creates an email associated with the account. The service provider then calls the user enter a payment card number, along with an expiration date and security code, as a funding source for the account. The user further establishes a PIN for future transactions. Once confirmed, the account is active and ready to use.

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 finds 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.

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.

Abstract: In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.

Abstract: Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. The method also includes receiving, by the mobile network device, a succession of one time passwords generated by the server throughout a session. And the method further includes comparing the received one time passwords generated by the server throughout the session to corresponding one time passwords generated at the mobile network device. In this manner, the server can be authenticated. In various embodiments, the process may be reversed to facilitate client, e.g.

Abstract: A method for inhibiting phishing can include sending information from a mobile network device to a website server, generating a one time password at the mobile network device from the information, generating a one time password at the website server from the information, sending the one time password generated at the website server to the mobile network device when the mobile network device subsequently accesses the website, and comparing the one time password generated at the website server to the one time password generated at the mobile network device. In this manner, the website can be authenticated such that the occurrence of phishing is substantially mitigated.