Abstract: Systems and methods permit secure and convenient provisional account creation for use in conducting payment transactions. The provisional account does not include sensitive data, thereby mitigating risk to a consumer's financial account if the provisional account were compromised. In one embodiment, a computing device associated with a financial service provider receives customer and customer device information. The provider computing device performs a verification analysis and a fingerprint analysis to authenticate the customer's identity and the customer device authenticity. The provider device also receives an access request message seeking authorization for an identity management service (“IdM”) to interface with the provider device. The provider device generates an access decision message indicating an approval or disapproval of an authorization request.

Abstract: Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment restrictions or instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer. The payer financial server authenticates the payer identification, authorizes the payment transaction, and transmits a transaction status message to the payee financial server, which in turn transmits the message to the payee computing device.

Abstract: Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment restrictions or instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer. The payer financial server authenticates the payer identification, authorizes the payment transaction, and transmits a transaction status message to the payee financial server, which in turn transmits the message to the payee computing device.

Abstract: Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can originate from a payer computing device and include transaction information obtained from an identity management service associated with the payer. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer.

Abstract: Systems and methods enable third-party applications and devices to interface with financial service provider computer networks in a secure, compliant manner. In one embodiment, an interface computing device connected to a provider computer network transmits a registration request message to a custodian. The interface computing device receives a registration request response message from the custodian indicating whether the registration request was approved or denied. The interface computing device receives a data request message requesting data stored on the provider computer network. The interface competing device gathers data stored on the provider computer network, sanitizes the data, and generates a response communication using the sanitized data.