Abstract: In an exemplary embodiment, a method includes receiving a payment transaction comprising a customer account identifier and a merchant account identifier. A processor may determine whether the customer account identifier and merchant account identifier correspond to respective accounts associated with the enterprise. If the account identifiers each correspond to a respective account associated with the enterprise, the processing of the payment transaction is initiated at the enterprise and a notification that the enterprise initiates the processing of the payment transaction is sent. If the account identifiers do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed may be sent.

Abstract: In an exemplary embodiment, a method includes receiving, from a mobile device, a payment transaction between a customer and a merchant. A customer account identifier and a merchant account identifier of the payment transaction may be determined. The method further includes communicating the customer account identifier to an enterprise to determine whether the customer account identifier corresponds to a customer account associated with the enterprise. If the customer account identifier and the merchant account identifier each correspond to a respective account associated with the enterprise, an indication that the enterprise initiates the processing of the payment transaction is received, and a notification that the payment transaction was processed is sent. If the customer account identifier and the merchant account identifier do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed is sent.

Abstract: In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and store a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and store a second user credential, the second user credential, wherein the second user credential comprises a peripheral device identifier. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

Abstract: In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

Abstract: The present invention provides systems, methods, and computer program products for altering delivery of a piece by altering either the delivery address, mode of processing, and/or the mode of delivery. The invention provide an indicia associated with the piece of mail including instructions that are at least one of a different delivery address, mode of processing, or a mode of delivery than that originally designated for the piece of mail. During mail sorting and processing, the indicia associated with the piece of mail are analyzed. Either the delivery address, mode of processing, and/or mode of delivery currently associated with the piece of mail are altered to conform with the delivery address, mode of processing, and/or mode of delivery indicated by the indicia. In some embodiments, the indicia is altered by on a business parameter, such as a monetary value associated with the contents of the piece of mail.

Abstract: Embodiments of the invention relate to apparatuses and methods for providing targeted product offers to customers. For example, in one embodiment, a first entity sends a targeted offer to certain customers. The first entity uses a second entity to perform a service related to the offer, such as an enrollment service. The first entity sends a candidate file to the second entity, where the candidate file includes a list of customers that qualify for the offer. The first entity authenticates the customer and, when the customer expresses interest in the targeted offer, the first entity forwards the customer to the second entity along with customer identifying information so that the second entity can perform the related service. The second entity then verifies whether the transferred customer qualifies for the offer by comparing the customer information to the candidate file. If verified, the second entity can perform the service related to the offer for the customer.

Abstract: Apparatus and methods for electronically depositing a check in a bank account. In some embodiments, the apparatus and methods may involve a check identification module configured to analyze content of an electronically imaged postal mail item; and a customer control module configured to receive from a customer an instruction to deposit the check in the bank account.

Abstract: The present invention provides systems, methods, and computer program products for altering delivery of a piece by altering either the delivery address, mode of processing, and/or the mode of delivery. The invention provide an indicia associated with the piece of mail including instructions that are at least one of a different delivery address, mode of processing, or a mode of delivery than that originally designated for the piece of mail. During mail sorting and processing, the indicia associated with the piece of mail are analyzed. Either the delivery address, mode of processing, and/or mode of delivery currently associated with the piece of mail are altered to conform with the delivery address, mode of processing, and/or mode of delivery indicated by the indicia. In some embodiments, the indicia is altered by on a business parameter, such as a monetary value associated with the contents of the piece of mail.

Abstract: A system and method for processing financial information is provided. A client request may be received through an application program interface (API). A first set of data based on the client request may be retrieved through the API from a first information repository comprising information on debit transactions and credit transactions. The first set of results may be transmitted to the client application for display. A second client request based on the first set of results may be received through the API from the client application, and a second set of data may be retrieved through the API from a second information repository comprising information on credit transactions and component deposit items. The second set of results may be transmitted back to the client application for display.