Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for determining offers based on life events. An exemplary apparatus is configured to determine a life event based on at least one of user information or account information associated with a user of a financial institution account; project a timeline of future events based on the life event; determine an offer associated with a future event, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase transaction; and transmit the offer to the user near in time to the future event's projected occurrence.

Abstract: A mobile kiosk comprising a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products and applies the first configuration to the mobile kiosk based on a user profile of a first user. It provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products and applies the second configuration to the mobile kiosk based on a user profile of a second user. It provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration.

Abstract: In certain embodiments, a kiosk deployed at a customer location communicates a plurality of financial products available for provisioning by the kiosk and, for each financial product, one or more vendors that offers the financial product. The kiosk provisions a selected one of the financial products in response to input from a user. The input indicates the selected financial product and a selected one of the vendors.

Abstract: Embodiments of the invention include systems and methods for creating a customized framework for allowing members of a first network to conduct transactions with members of a second network, where the two networks do not otherwise allow members to conduct transactions with one another. The system may (i) communicate with the first network to receive transaction instructions from a party to the transaction, as well as the alias of the counterparty, (ii) communicate with the second network to receive aliases and transaction data associated with its members, and (iii) generate a directory that associated the members' aliases with the transaction data. The system performs the transaction based on the directory, the transaction instructions, the alias, and the transaction data. The system is also configured to allow a member of one network manage the third party networks that store and use information related to the member.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: A mobile kiosk comprising a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products and applies the first configuration to the mobile kiosk based on a user profile of a first user. It provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products and applies the second configuration to the mobile kiosk based on a user profile of a second user. It provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

Abstract: A mobile kiosk comprising a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products and applies the first configuration to the mobile kiosk at a first time. It provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products, wherein the second configuration differs from the first configuration. It applies the second configuration to the mobile kiosk at a second time, and provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration.

Abstract: A mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products, the first configuration determined according to a first vendor. It applies the first configuration to the mobile kiosk and provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products, the second configuration determined according to a second vendor, wherein the second configuration differs from the first configuration and the second vendor differs from the first vendor. It applies the second configuration to the mobile kiosk, and provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration.

Abstract: A mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products, the first configuration determined according to a first vendor. It applies the first configuration to the mobile kiosk and provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products, the second configuration determined according to a second vendor, wherein the second configuration differs from the first configuration and the second vendor differs from the first vendor. It applies the second configuration to the mobile kiosk, and provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration.

Abstract: A mobile kiosk comprising a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products and applies the first configuration to the mobile kiosk at a first time. It provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products, wherein the second configuration differs from the first configuration. It applies the second configuration to the mobile kiosk at a second time, and provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration.

Abstract: In some embodiments, a mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk provisions financial products. The mobile kiosk receives information for a first configuration customized according to a first customer location, applies the first configuration, and provisions a first set of the financial products using the first configuration. The mobile kiosk then receives information for a second configuration customized according to a second customer location, applies the second configuration, and provisions a second set of the financial products using the second configuration. The second configuration differs from the first configuration and the second location differs from the first location.

Abstract: In some embodiments, a mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk provisions financial products. The mobile kiosk receives information for a first configuration customized according to a first customer location, applies the first configuration, and provisions a first set of the financial products using the first configuration. The mobile kiosk then receives information for a second configuration customized according to a second customer location, applies the second configuration, and provisions a second set of the financial products using the second configuration. The second configuration differs from the first configuration and the second location differs from the first location.

Abstract: In certain embodiments, a kiosk deployed at a customer location communicates a plurality of financial products available for provisioning by the kiosk and, for each financial product, one or more vendors that offers the financial product. The kiosk provisions a selected one of the financial products in response to input from a user. The input indicates the selected financial product and a selected one of the vendors.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a modified online shopping experience to users. The modified online shopping experience presents offers to a user when the user is viewing a merchant online. The offers may be specifically tailored to the interests of the user viewing the merchant online. In this way, the system determines offers that the user may be interested in based on merchant data and financial institution data associated with the user. The tailored offers may be based on merchant data, such as previously accepted offers, loyalty accounts or the like and/or financial institution data such as products purchased, transaction history, and the like. The tailored offers that match the interest of a user may then be presented on the interface, website, or the like that the user is viewing when viewing a merchant online.