Abstract: Systems and methods for processing mobile transactions include determining an indication to make a payment by a user to a payee; responsive to determining the indication, identifying, from a payment account associated with the user, a plurality of payment instruments; determining a first payment instrument in the plurality of payment instruments based at least in part on a first reward associated with making at least a portion of the payment using the first payment instrument; and generating a payment instrument alert to inform the user to make the payment using the first payment instrument.

Abstract: A system for processing payment transactions and social features from a messaging or chat application with an integrated payment application. An example embodiment includes: integrating a payment application into a client messaging application; linking a payment button with the payment application; receiving a payment request through the client messaging application from a client user via the payment button; using the payment application to identify an account on a payment site that corresponds to the payment request; and performing a payment transaction with the identified account corresponding to the payment request at the payment site via the payment application. The embodiment is configured to facilitate social sharing functions including: inviting users to download the payment application, sharing a contact list among a plurality of payment application users, inviting users to chat from the payment application, and updating a user profile in the client messaging application by the payment application.

Abstract: A method and apparatus for processing content data at a computing device is provided. Icon data associated with an application is rendered at a display device, thereby providing rendered icon data at the display device, the icon data and the application stored at a memory. Content data associated with the application is received the content data for rendering within the application when the application is executed by a processor and rendered at the display device. A portion of the rendered icon data is updated such that the rendered icon data comprises at least a subset of the content data. When the rendered icon data is actuated, the application is responsively executed at the processor such that the content data is rendered at the display device within a rendering of the application.