especially here in the US where transfers between banks take 2-3 days.
Laughs in SEPA Instant Transfer
Anyhow, locking and unlocking is an option. Using "3D Secure" systems - which require a secondary approval via an app or website - works significantly better, and chargebacks are one tap in a banking app (modern apps, so US might again be fucked here).
It could be querying the in-browser database (that's commonly used, such as with WhatsApp web), which would be seeded by a different part of the application
The Dutch railroads seem to run near all displays on Linux.
But then as soon as a city wants to add something to the station, there's a windows lockscreen every other month.