Abstract: Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant, generating a payment code, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.

Abstract: A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.

Abstract: Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant without a request from the user, generating a payment code without a request from the user, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.

Abstract: A user makes a payment at a POS by entering the user's phone number (either through a keypad or via a card swipe) and PIN into a POS device (such as through a keypad). That information is communicated to a payment provider, who can then access the user's account, determine whether to approve or deny the payment, and notify the merchant of the decision.

Abstract: Systems and methods are provided for generating and using a token for authorizing a payment to satisfy an agreement for goods and/or services. The token may be generated based on information related to the agreement, as well as a specified validity period and token type. The generated token may then be used within the specified validity period to authorize a payment to satisfy the agreement. The token may be a limited-use token having a predetermined number of uses, such that after the token has been used the predetermined number of times, the token may be destroyed such that the payment is not authorized more than the predetermined number of uses.

Abstract: A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.

Abstract: A method includes receiving a stored-value card transaction request from an access point. The stored-value card transaction request is associated with a package identification number, and the package identification number is associated with a plurality of stored-value cards. The method further includes generating a plurality of children transaction requests based on the stored-value card transaction request. The method further includes sending at least one of the plurality of children transaction requests to a first card party. The method further includes sending at least another of the plurality of children transaction requests to a second card party. The second card party may be the same or different from the first card party.

Abstract: An embodiment(s) of a system(s), method(s), and/or apparatus is presented for accepting requests for, determining approval of, and distributing transaction credit(s) (TC(s)). An embodiment of a system(s), method(s), and/or apparatus is presented for distributing a useable TC to a designated recipient in real time. An embodiment of a system(s), method(s), and/or apparatus is presented for providing a consumer a useable TC in any tangible form that may be known in the art, or that can be transferred via, stored in, or retrieved from an electronic format, or that can be physically fabricated by a consumer or transferee of the TC. An embodiment of a system(s), method(s), and/or apparatus is presented for providing a consumer or transferee of a TC notification of receipt of such a TC through a variety of notification means.

Abstract: An embodiment(s) of a system(s), method(s), and/or apparatus is presented for accepting requests for, determining approval of, and distributing transaction credit(s) (TC(s)). An embodiment of a system(s), method(s), and/or apparatus is presented for distributing a useable TC to a designated recipient in real time. An embodiment of a system(s), method(s), and/or apparatus is presented for providing a consumer a useable TC in any tangible form that may be known in the art, or that can be transferred via, stored in, or retrieved from an electronic format, or that can be physically fabricated by a consumer or transferee of the TC. An embodiment of a system(s), method(s), and/or apparatus is presented for providing a consumer or transferee of a TC notification of receipt of such a TC through a variety of notification means.