Abstract: In some examples, a system and method for activating a payment instrument. The method includes leveraging an activation feature associated with a payment instrument. The representation, obtained by a sensor, of the activation feature is received by the payment processing system. The payment processing system compares the representation of the activation feature with stored activation features corresponding to a user associated with the payment instrument. If the representation matches a user-associated activation feature, the payment processing system activates the payment instrument, wherein activating further includes granting the recipient access to a predetermined amount of funds through the activated payment instrument.

Abstract: A payment service generates multiple user profiles, each profile associated with a different user. Each user profile may be linked to multiple transaction cards and multiple numerical balances. Multiple transaction cards can be linked to a same numerical balance—even if the cards are from different user profiles. Restrictions, such as transaction type blacklists and whitelists or parent/guardian permission relationships, can be placed on particular numerical balances, or on access to particular numerical balances by particular cards. Numerical balances and transactions using particular cards may be tracked using user profiles with access to those cards and numerical balances.

Abstract: A transaction card associated with a payment service may be purchased by a customer without the customer having a user profile with the payment service. The user scans a card identifier from the transaction card or from the transaction card's packaging using a mobile device, which then sends the card identifier to the payment service. The payment service may use the card identifier to generate a user profile that the payment service can automatically link to the transaction card. The user can track transactions made using the transaction card via the user profile.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.

Abstract: In particular embodiments, a method of transferring money by use of a payment proxy includes receiving a notification of an intent to initiate a monetary transaction in a message entered by a user of a communication platform, identified based on a determination of a particular context associated with content of the message. The method includes parsing the message to identify a unique payment proxy associated with a financial account having a syntax that includes a currency indicator and a string of characters. The method includes identifying a recipient financial account associated with the unique payment proxy. The method includes identifying a sender financial account based on the particular context associated with the content of the user message. The method includes initiating a transfer of a payment amount between the sender financial account and the recipient financial account associated with the unique payment proxy in accordance with the monetary transaction.

Abstract: Disclosed are a system and a method for purchasing items from a merchant system using friction-less payment processing technology. A user initiates a purchase transaction from a user interface of the merchant system by submitting an indication or intent to use payment proxy in lieu of payment information or login credentials or signing-into accounts. An auto-payment component then generates a payment request including the payment proxy and sends the request to a payment service system. The payment service system uses the payment proxy to identify a financial account associated with the customer and the merchant. The payment service system initiates a transfer of a payment amount associated with the purchase transaction from a financial account associated payment proxy to a financial account associated with the merchant system to pay for the purchase transaction.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.

Abstract: Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying, in any communication message, a payment proxy having a particular syntax, the syntax including a currency indicator preceding one or more alphanumeric characters. The payment proxy having the syntax indicates an intent of the sender to transfer money to a recipient associated with that payment proxy. The technology can include systems and methods of transferring money by use of a payment proxy within the context of a forum (e.g., social networking platform, microblog, blog, application, etc.). Messages of users in the forum can be monitored to detect for any user's intent to transfer money to a recipient. For example, forum messages can be parsed to identify the syntax carried by a user input in a forum message.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new card numbers to users of a consumer computing system. A consumer computing system (“CCS”) may have servers and databases situated within a banking infrastructure in order to provide various features to users via a software application executed by a client device. The software application may interact with the CCS servers, such that the CCS servers and the software application offer the client device and the user certain features not ordinarily available in conventional banking infrastructures. These features may include the real-time provisioning of card numbers for a user's banking account. In operation, the client device may submit a request for a new card number to a CCS server, which may be generated in real-time and active in the payment stream when the card number is generated.

Abstract: Integrating third-party applications and native applications allows platform designers to provide greater services than otherwise would be available. This integration can increase security, provide more features, and give users a better experience with devices. Examples of such integration can allow third-party applications to have access to hardware and to provide seamless services to users. Such services can include registering payment accounts, allowing for loyalty programs, and providing additional information and services in native applications to provide a seamless experience.

Abstract: Integrating third-party applications and native applications allows platform designers to provide greater services than otherwise would be available. This integration can increase security, provide more features, and give users a better experience with devices. Examples of such integration can allow third-party applications to have access to hardware and to provide seamless services to users. Such services can include registering payment accounts, allowing for loyalty programs, and providing additional information and services in native applications to provide a seamless experience.

Abstract: Split bill payment technology enabled by an application programming interface (API) is disclosed. In some embodiments, API integration between a merchant application or system and a payment application or payment service system enables the merchant application or system to send requests for split bill payments to the payment service system. In response, the payment service system can collect from each bill payer identified in a request, the bill payer's share of a bill and transfer the collected amounts to the merchant.

Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

Abstract: Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.

Abstract: In some examples, a system and method for activating a payment instrument. The method includes leveraging an activation feature associated with a payment instrument. The representation, obtained by a sensor, of the activation feature is received by the payment processing system. The payment processing system compares the representation of the activation feature with stored activation features corresponding to a user associated with the payment instrument. If the representation matches a user-associated activation feature, the payment processing system activates the payment instrument, wherein activating further includes granting the recipient access to a predetermined amount of funds through the activated payment instrument.

Abstract: Disclosed herein are systems and methods for processing a payment request that use mobile devices to have money transferred. These mobile devices are capable of running a payment transfer application that facilitates a transfer of money. A user can then execute the payment transfer application using a mobile device to send money, through a payment processing system that runs the payment transfer application, to a recipient account. One or more techniques authenticate a user of the mobile device by multi factor authentication prior to processing requests for money transfer initiated by the user.

Abstract: Disclosed herein are systems and methods for processing a payment request. A server may receive a request to transmit a message generated on a payor's mobile device to a second user's mobile device, where the request includes a message including a payload and an identifier for the second user. The payload may not include any information or identifiers associated with the second user. The server may transmit the message and payload from the payor's mobile device to the second user's mobile device.

Abstract: Disclosed herein are systems and methods for processing a payment request from a payor's mobile device. Payment Processing System (PPS) server may receive a payment request from a payor's mobile device, including an amount to pay but not any identification of a recipient. The PPS server may increment a balance of an escrow account and decrement a balance of the payor's account according to the amount of the request. The PPS server may generate a token, associated with the escrow account, including an alphanumeric string based on a random value generator. The PPS server may also generate a payload based on the token and transmit the payload to the payor's mobile device. Upon the recipient receiving and activating the payload, the PPS server may decrement the escrow account and increment the recipient's account.