Abstract: Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.

Abstract: Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.

Abstract: Systems and methods are disclosed herein to allow a service provider supporting applications running on a client device to remotely disable the applications, features of the applications, or sessions of the applications running on the client device. The service providers may initiate the disable action automatically upon the detection of certain events on or through the client device without requiring user input. The disable action is specific for the client device. In one embodiment, the service provider collects information associated with the application and with the remote client device that runs the application to conduct one or more transactions with the service provider. The service provider determines from the collected information a feature set of the application to disable on the client device. The service provider disabling remotely the feature set of the application on the client device without affecting any other client devices that run the application.

Abstract: Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.

Abstract: Systems and methods are disclosed herein to allow a service provider supporting applications running on a client device to remotely disable the applications, features of the applications, or sessions of the applications running on the client device. The service providers may initiate the disable action automatically upon the detection of certain events on or through the client device without requiring user input. The disable action is specific for the client device. In one embodiment, the service provider collects information associated with the application and with the remote client device that runs the application to conduct one or more transactions with the service provider. The service provider determines from the collected information a feature set of the application to disable on the client device. The service provider disabling remotely the feature set of the application on the client device without affecting any other client devices that run the application.

Abstract: Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.

Abstract: Systems and methods are disclosed herein to allow a service provider supporting applications running on a client device to remotely disable the applications, features of the applications, or sessions of the applications running on the client device. The service providers may initiate the disable action automatically upon the detection of certain events on or through the client device without requiring user input. The disable action is specific for the client device. In one embodiment, the service provider collects information associated with the application and with the remote client device that runs the application to conduct one or more transactions with the service provider. The service provider determines from the collected information a feature set of the application to disable on the client device. The service provider disabling remotely the feature set of the application on the client device without affecting any other client devices that run the application.

Abstract: Methods and systems utilize a shake and transfer process to initiate a wireless communication and provide a user device with time and location information of the communication, which can be associated with contact information of a user of the other device. As a result, a user has additional information associated with a contact, and the time and location information can be used to determine or track elapsed time and distance traveled between communications.

Abstract: Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.

Abstract: An embodiment of a method for splitting a bill includes displaying a primary bill that includes a plurality of items on a first payer device. A plurality of inputs are received from the first payer device that assign the plurality of items to a first payer and at least one second payer to generate a first secondary bill and at least one second secondary bill. Each at least one second secondary bill is then sent to a respective second payer device, and payments are sent for the first secondary bill from the first payer device and each at least one secondary bill from the respective second payer device. An image of a physical bill may be taken by the first payer device and optical character recognition may be performed on the image to produce the primary bill that is displayed on the display of a first payer device.

Abstract: Systems and methods are disclosed herein to allow a service provider supporting applications running on a client device to remotely disable the applications, features of the applications, or sessions of the applications running on the client device. The service providers may initiate the disable action automatically upon the detection of certain events on or through the client device without requiring user input. The disable action is specific for the client device. In one embodiment, the service provider collects information associated with the application and with the remote client device that runs the application to conduct one or more transactions with the service provider. The service provider determines from the collected information a feature set of the application to disable on the client device. The service provider disabling remotely the feature set of the application on the client device without affecting any other client devices that run the application.

Abstract: Systems and methods are disclosed herein to allow a service provider supporting applications running on a client device to remotely disable the applications, features of the applications, or sessions of the applications running on the client device. The service providers may initiate the disable action automatically upon the detection of certain events on or through the client device without requiring user input. The disable action is specific for the client device. In one embodiment, the service provider collects information associated with the application and with the remote client device that runs the application to conduct one or more transactions with the service provider. The service provider determines from the collected information a feature set of the application to disable on the client device. The service provider disabling remotely the feature set of the application on the client device without affecting any other client devices that run the application.

Abstract: Methods and systems utilize a shake and transfer process to initiate a wireless communication and provide a user device with time and location information of the communication, which can be associated with contact information of a user of the other device. As a result, a user has additional information associated with a contact, and the time and location information can be used to determine or track elapsed time and distance traveled between communications.

Abstract: Methods and systems utilize a shake and transfer process to initiate a wireless communication provide a user device with time and location information of the communication, which can be associated with contact information of a user of the other device. As a result, a user has additional information associated with a contact, and the time and location information can be used to determine or track elapsed time and distance traveled between communications.

Abstract: Systems and methods are disclosed herein to allow a service provider supporting applications running on a client device to remotely disable the applications, features of the applications, or sessions of the applications running on the client device. The service providers may initiate the disable action automatically upon the detection of certain events on or through the client device without requiring user input. The disable action is specific for the client device. In one embodiment, the service provider collects information associated with the application and with the remote client device that runs the application to conduct one or more transactions with the service provider. The service provider determines from the collected information a feature set of the application to disable on the client device. The service provider disabling remotely the feature set of the application on the client device without affecting any other client devices that run the application.

Abstract: An embodiment of a method for splitting a bill includes displaying a primary bill that includes a plurality of items on a first payer device. A plurality of inputs are received from the first payer device that assign the plurality of items to a first payer and at least one second payer to generate a first secondary bill and at least one second secondary bill. Each at least one second secondary bill is then sent to a respective second payer device, and payments are sent for the first secondary bill from the first payer device and each at least one secondary bill from the respective second payer device. An image of a physical bill may be taken by the first payer device and optical character recognition may be performed on the image to produce the primary bill that is displayed on the display of a first payer device.

Abstract: A user's smart phone is used for payments and holding information, similar to what is contained in a physical wallet. Depending on transaction details, user preferences, and location, one or more “best” funding instruments for the transaction are selected for the user, who may then revise if desired. Access to different functions or information within the phone may vary and require different authentication/security levels depending on type of use (e.g., payment or non-payment) and details of use (e.g., high payment amount vs. low payment amount, use of sensitive information vs. non-sensitive information).

Abstract: Methods and systems utilize a shake and transfer process to initiate a wireless communication provide a user device with time and location information of the communication, which can be associated with contact information of a user of the other device. As a result, a user has additional information associated with a contact, and the time and location information can be used to determine or track elapsed time and distance traveled between communications.

Abstract: Methods and systems utilize a shake and transfer process to provide a consumer with an enhanced user experience. In a first embodiment, a purchase is made between two devices using NFC, and a shake and transfer process downloads large data, such as a movie, video, or game, from one device to the other. In a second embodiment, the user can select information or data, such as non-user contacts, photos, or videos, on the phone to transfer during a shake and transfer process. In yet another embodiment, a user may pay for purchases from an unattended merchant, such as a vending machine, using a shake and transfer process, where the user may also receive incentives, based on the user profile and/or purchase, from the unattended merchant.