Abstract: Systems and methods for creating accounts at a plurality of payment processors include a method that receives a first request to create a new account, and identifies a payment processor of the plurality of payment processors to handle the first request. The method determines whether a proxy for the new account exists in a local storage and sends a second request to the identified payment processor to create the new account, where the second request includes the proxy when the proxy for the new account exists.

Abstract: Embodiments of wireless client transaction systems are described herein. Other embodiments and related methods are also disclosed herein.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein.

Abstract: Embodiments of wireless client transaction systems are described herein. Other embodiments and related methods are also disclosed herein.

Abstract: Embodiments of wireless client transaction systems are described herein. Other embodiments and related methods are also disclosed herein.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Systems and methods for creating accounts at a plurality of payment processors include a method that receives a first request to create a new account, and identifies a payment processor of the plurality of payment processors to handle the first request. The method determines whether a proxy for the new account exists in a local storage and sends a second request to the identified payment processor to create the new account, where the second request includes the proxy when the proxy for the new account exists.

Abstract: Systems and methods for distributed request routing in accordance with embodiments of the invention are disclosed.

Abstract: Embodiments of mobile banking systems are described herein, Other examples and related methods are also disclosed herein.

Abstract: Embodiments of wireless client transaction systems are described herein. Other embodiments and related methods are also disclosed herein.

Abstract: Computer implemented systems and methods, including methods of transacting with wireless clients. Embodiments include, in various combinations, a client ID module, a scanning module configured to scan, or an act of scanning, a wireless channel set at a business locale for wireless signals of a registered customer set, or a combination thereof. Some embodiments identify out of the wireless signals certain wireless packets of a client of the registered customer set, calculate a first client signal strength of the first wireless packets, or both. In certain embodiments, a localization module calculates or is configured to calculate whether the first client is at a transaction area of the business locale, for example, based on the first client signal strength, for instance, without reliance on near field communication technology. Some embodiments include a training module or act, a point of service module or act, or both.

Abstract: Embodiments of a location sharing network manager process are described. The process is executed on a server computer coupled to a plurality of mobile communication devices over a wireless network. Each mobile device is a location-aware mobile communication device. The process determines the geographic location of a mobile communication device operated by a user within an area, displays a map representation of the area around the mobile communication device on a graphical user interface of the mobile communication device, and superimposes on the map the respective locations of one or more other trusted users of mobile communication devices coupled to the mobile communication device over the network. A security component allows users to establish trusted relationships by requiring mutual consent and disclosure of identifier and phone number information for each trusted user. Location information can be blocked among trusted users or obfuscated on the display of the mobile devices of the other users.

Abstract: Embodiments of a location sharing network manager process are described. The process is executed on a server computer coupled to a plurality of mobile communication devices over a wireless network. Each mobile device is a location-aware mobile communication device. The process determines the geographic location of a mobile communication device operated by a user within an area, displays a map representation of the area around the mobile communication device on a graphical user interface of the mobile communication device, and superimposes on the map the respective locations of one or more other trusted users of mobile communication devices coupled to the mobile communication device over the network. A comprehensive network manager process provides management functions to allow communication with mobile phone users outside of the service network and allows for efficient communication with groups of users within the service network.

Abstract: Embodiments of a location sharing network manager process are described. The process is executed on a server computer coupled to a plurality of mobile communication devices over a wireless network. Each mobile device is a location-aware mobile communication device. The process determines the geographic location of a mobile communication device operated by a user within an area, displays a map representation of the area around the mobile communication device on a graphical user interface of the mobile communication device, and superimposes on the map the respective locations of one or more other trusted users of mobile communication devices coupled to the mobile communication device over the network. A security component allows users to establish trusted relationships by requiring mutual consent and disclosure of identifier and phone number information for each trusted user. Location information can be blocked among trusted users or obfuscated on the display of the mobile devices of the other users.

Abstract: Retail packaging for a transaction card includes a carrier for retaining the transaction card, a transparent encasement enclosing the carrier, literature containing information associated with the transaction card placed within the encasement, and means for hanging the packaging within a retail environment. The encasement may take on a variety of forms, including having a curved outer surface forming a cavity within the encasement. The carrier may also take on a variety of forms, including forms having a main surface and a device for elevating the transaction card off the main surface to create a visual effect that the transaction card is floating within the encasement. The packaging may further include a panel that at least partially obscures the transaction card from view.