Abstract: A system includes a processor and memory operable to store user account information. The processor receives a transaction message transmitted by a transaction device in a transaction environment, the transaction message comprising transaction data obtained by the transaction device from a transaction code presented by a mobile computing device of a user. The processor further accesses the user account information and determines, using the user account information and the transaction data from the transaction message, whether the user is authenticated. The processor transmits an authentication message indicating whether the user is authenticated to the transaction device.

Abstract: In one embodiment, a system includes a memory and a processor communicatively coupled to the memory. The processor is operable to receive a first notification and determine whether the first device is associated with the user account. The processor is also operable to communicate a token to the first device in response to determining that the first device is associated with the user account. Additionally, the processor is operable to receive a second notification comprising a request to authenticate the user. The processor may also determine if the second notification comprises the token. The processor is operable to authenticate the user if the second notification comprises the token. The processor is also operable to authenticate the user if the second device is not associated with the user account and the second notification comprises user credentials associated with the user account.

Abstract: A system includes a memory for storing user account information and mobile device information; and a processor. The processor receives a request for a transaction. The request includes a user identifier, a transaction amount, and a transaction recipient identifier. The processor further generates a transaction code. The processor further communicates the transaction code to a user device. The processor further receives, from a mobile device, a transaction confirmation message, wherein the user device and the mobile device are separate devices. The transaction confirmation message includes a confirmation of the request for the transaction and a unique identifier of the mobile device. The processor further compares the unique identifier of the mobile device with the stored mobile device information. In response to a determination that the unique identifier of the mobile device matches the stored mobile device information, the processor further allows the transaction to occur.