Abstract: A fraud protection application can allow a user to safely purchase goods without a physical account verifier such as a credit card. These types of purchases are common when purchasing items online and also when making NFC purchases. The purchaser can install a Fraud Prevention Application on a device that can recognize that the purchaser is using their device to make a purchase making a transaction. The application can initiate an independent connection with the financial institution's server and submit to the server verification data to validate the purchase. In response, the server can compare the data with identification data previously submitted by that purchaser's device and also with transaction data submitted by the merchant. If the verification data is validated then the server can approve the purchase and the transaction may proceed. If the verification data is not validated then the FPA can cause refuse the transaction.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.