Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: A method may include transmitting, at a mobile device executing a keyboard application, a request for a user specific data value to a computing device; receiving, from the computing device, an authentication request with a challenge message; encrypting the challenge message with a private key associated with the keyboard application; transmitting the encrypted challenge message to the computing device for authentication by the computing device; receiving the user specific data value from the server based on the server successfully authenticating the encrypted challenge message; and presenting the user specific data value in the keyboard application on the mobile device.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.

Abstract: A computer-implemented method performed by a computing system includes gathering payment history data for a payment account, held by a customer with an accounts provider, by at least one of data mining the payment history data from a database associated with the accounts provider or screen scraping the payment history data, wherein the payment account is associated with payment information. The method also includes identifying a subset of the payment history data that relates to online payments, analyzing the subset of the payment history data to identify characteristics of the online payments made from the payment account, and, based on the characteristics, determining one or more third parties that are likely storing the payment information. The method further includes displaying a list of the one or more third parties to the customer.

Abstract: A method may include presenting a user interface on a computing device, the user interface including a character input portion and a predictive suggestion portion; converting, using at least one processor, a set of characters entered in the character input portion into a word vector; inputting the word vector into a neural network; based on the inputting, determining a set of output terms from the neural network; querying a data store to retrieve a user specific data value for an output term of the set of output terms; and presenting a paired output term that includes the output term and the user specific data value in the predictive suggestion portion of the user interface.

Abstract: Systems and methods for processing customer requests to access purchasable items using financial assessments are described. A customer using a mobile device can identify a good of interest and transmit a request to access and test it. A financial institution computing system with a database of customer financial information can generate a financial assessment of the customer and the customer's identified good, which can then be used to determine whether the customer's request should be granted.

Abstract: A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.

Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.

Abstract: Systems and methods that provide mobile and analytic capabilities that may be utilized by retailers and mall operators are described. The systems and methods include mobile capabilities, such as the offering of a smartphone application to customers of the retailers and the malls. The mobile application provides the customers with an elevated shopping experience and includes a unique rewards program that drives repeat business and increases customer foot traffic to the mall and retailers. The mobile application also provides retailers and mall operators customer-specific analytics. The customer-specific analytics may be used to provide an improved shopping experience for the customers including, but not limited to, customer-specific advertisements, customer-specific greetings, location-based information, and the like.

Abstract: Systems and methods that provide mobile and analytic capabilities that may be utilized by retailers and mall operators are described. The systems and methods include mobile capabilities, such as the offering of a smartphone application to customers of the retailers and the malls. The mobile application provides the customers with an elevated shopping experience and includes a unique rewards program that drives repeat business and increases customer foot traffic to the mall and retailers. The mobile application also provides retailers and mall operators customer-specific analytics. The customer-specific analytics may be used to provide an improved shopping experience for the customers including, but not limited to, customer-specific advertisements, customer-specific greetings, location-based information, and the like.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: A computer-implemented system and method includes determining the locations of a user of a mobile device and a merchant, comparing the locations to ensure a match, receiving from the user's mobile device an identification number associated with the user's stored value card, receiving an identifier generated by a financial institution, the identifier being embedded in a code displayable on the mobile device, and transmitting an indication that the transaction has been completed, the transaction being completed based on the identifier and based on the match. The method may further include determining and informing the user that a stored value card may be used at the merchant located within a first predetermined distance. A non-optical code, such as a radio frequency (RF) input, may be generated and provided to the merchant via the mobile device to identify the stored value card.

Abstract: A computer-implemented system and method includes determining the location of a user and the location of a merchant, comparing the locations to ensure a match, receiving an identifier embedded in a code provided by a user's mobile device and having a token for sending funds generated by a computer processor of a financial institution and provided to the mobile device, and, based at least on the identifier, transmitting an indication that a transaction has been completed.

Abstract: A mobile device is configured to receive a first receipt pertaining to a first mobile wallet transaction of a user, the first receipt being a digital receipt and receive information pertaining to a plurality of transactions of the user. The mobile device is also configured to capture an image of a second receipt pertaining to the second mobile wallet transaction of the user, the second receipt being a physical receipt. The mobile device is also configured to generate an image of the first receipt of the use and extract identifying information regarding the first and second mobile wallet transactions from the first and second images, identify the first and second mobile wallet transactions within the plurality of transactions based on information extracted from the images of the first and second receipts, and associate the images of the first and second receipts with the first and second mobile wallet transactions.

Abstract: A method for receipt tracking performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting, by a receipt tracker of the mobile wallet computer system, identifying information from the receipt; sorting, by the mobile wallet computer system, the identifying information; generating, by the mobile wallet computer system, a user-specific offer based on the sorted identifying information; and providing, by the mobile wallet computer system, the user-specific offer to a mobile device of the user.