Abstract: Disclosed herein are systems and methods for processing a payment request that use mobile devices to have money transferred. These mobile devices are capable of running a payment transfer application that facilitates a transfer of money. A user can then execute the payment transfer application using a mobile device to send money, through a payment processing system that runs the payment transfer application, to a recipient account. One or more techniques authenticate a user of the mobile device by multi factor authentication prior to processing requests for money transfer initiated by the user.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new card numbers to users of a consumer computing system. A consumer computing system (“CCS”) may have servers and databases situated within a banking infrastructure in order to provide various features to users via a software application executed by a client device. The software application may interact with the CCS servers, such that the CCS servers and the software application offer the client device and the user certain features not ordinarily available in conventional banking infrastructures. These features may include the real-time provisioning of card numbers for a user's banking account. In operation, the client device may submit a request for a new card number to a CCS server, which may be generated in real-time and active in the payment stream when the card number is generated.

Abstract: A notification message system can use a payment request message during an authorization process to generate a message recommending a tip amount. A customer provides a payment card number at a merchant. A merchant initiates an authorization request using the payment card number and an amount. The authorization message is transmitted to a merchant-acquirer, who then transmits the authorization message to issue processing system, who in turn transmits the authorization message to a consumer computing system. The consumer computing system can use an industry code to determine whether the merchant is one that customarily receives a tip. The consumer computing system calculates a suggested tip amount based on the transaction amount, then generates a message with the tip amount and pushes the message to a mobile device of the user associated with the payment card number. The customer can continue the transaction using that tip amount.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new card numbers to users of a consumer computing system. A consumer computing system (“CCS”) may have servers and databases situated within a banking infrastructure in order to provide various features to users via a software application executed by a client device. The software application may interact with the CCS servers, such that the CCS servers and the software application offer the client device and the user certain features not ordinarily available in conventional banking infrastructures. These features may include the real-time provisioning of card numbers for a user's banking account. In operation, the client device may submit a request for a new card number to a CCS server, which may be generated in real-time and active in the payment stream when the card number is generated.