Abstract: Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conversation box to a customer of a financial institution. Embodiments initiate presentation, to the customer of the financial institution, of an interface comprising a graphical interactive conversation box; initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of a graphical element representing a transaction; receive customer selection of the graphical element for inclusion in the conversation box; and initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of the graphical element or a representation of the graphical element superimposed over the conversation box or presented as part of the conversation box.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a credit account a location of a consumer having the credit account. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with a mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine a balance value of the credit account of the consumer; and (d) determine an offer to present to the consumer based at least partially on the balance value of the credit account and a determined location of the consumer.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; create one or more messages based on the determination that the one or more customers are in proximity to the retailer physical location; and initiate communication of the one or more messages to the one or more customers. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to execute at least one purchase transaction in a geographical area. An exemplary apparatus is configured to: receive identification information from a mobile device when a user associated with the mobile device enters a geographical area; receive geolocation information from the mobile device; receive payment preference information; determine, based on the geolocation information and the identification information, a purchase transaction being executed by a user of the mobile device in the geographical area; store transaction information associated with the purchase transaction; and process the transaction information, based on the payment preference information, upon determining the mobile device is exiting or has exited the geographical area.

Abstract: Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant.

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for providing an offer to a user based on linking a financial account to a merchant-specific account. In some embodiments, a method is provided that includes: (a) determining whether a user is a holder of an existing merchant-specific account; (b) prompting the user to link a debit account to the existing merchant-specific account based at least partially on determining that the user is the holder of the existing merchant-specific account; (c) receiving debit account information for linking the existing merchant-specific account to the debit account of the user; and (d) providing the offer to the user based on successfully linking the debit account to the merchant-specific account.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the network; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network of retailers; and present the offer is based on the determination.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero.

Abstract: Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network; and present the offer based on the determination.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting an offer based on geolocation information. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user based on geolocation information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. The apparatus may also be configured to transmit, in real-time, offers to the first user based on at least one of real-time or historical geolocation information associated with the first user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device.

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction.