Abstract: A method for provisioning a payment account to a mobile wallet includes receiving, by an initiating device associated with a financial institution, a request to provision a payment account to a mobile wallet. The method includes retrieving, by a computing system of the financial institution, account information for the payment account. The method includes receiving, by the initiating device, address information from a mobile device associated with the mobile wallet, the address information uniquely identifying the mobile wallet. The method includes initiating, by the initiating device, provisioning of the payment account to the mobile wallet by sending the address information and the account information to a token service provider.

Abstract: Various examples described herein are directed to systems and methods for analyzing conversation data to determine a meeting is needed. A plurality of attendees for the meeting is determined. Calendar information for each of the plurality of attendees is retrieved. A common meeting date and time is determined based on the calendar information and the conversation data. A physical location for each of the plurality of attendees at the common meeting date and time is determined. A physical location within a building for the meeting is determined based on the physical location for each of the plurality of attendees. A building access list is updated with the plurality of attendees for the common meeting date and time.

Abstract: A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.

Abstract: Systems and methods of determining real-time available capacity of a merchant are provided. A plurality of financial transactions involving the merchant can be received during a current time period. A current payment velocity of the financial transactions involving the merchant during the current time period can be determined. The current payment velocity can be compared with a baseline payment velocity associated with financial transactions involving the merchant during a corresponding historical time period. An available capacity of the merchant can be determined, based on a difference between the current payment velocity and the baseline payment velocity.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Abstract: A method for provisioning a payment account to a mobile wallet includes receiving a request to provision a payment token configured to facilitate a mobile wallet transaction. The method includes receiving a payment account configured for provision to a mobile wallet, generating the payment token responsive to the request to provision the payment token, associating the payment token with the payment account, receiving account information for the payment account, receiving address information from a mobile device associated with the mobile wallet, the address information uniquely identifying the mobile wallet, and provisioning the payment token associated with the payment account to the mobile wallet responsive to receiving the address information and the account information.

Abstract: Systems and methods of generating a reputation score for an entity are provided. A plurality of financial transactions associated with the entity can be processed. Each of the plurality of financial transactions can be associated with a respective one of a plurality of transaction types, based on a result associated with each of the plurality of financial transactions. External reputation information relating to the entity can be received. The reputation score for the entity can be generated based on the transaction types of the plurality of financial transactions and the external reputation information.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.

Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: A method for authenticating a user on behalf of a third party provider includes transmitting, by a user device, a request from a user to authenticate the user to a third party provider, providing, by the user device, a user identifier associated with the user to an identity provider computing system, wherein the user identifier corresponds to a token configured to authenticate the user to the third party provider based on the request from the user, and accessing, by the user device, services corresponding to the third party provider without establishing new authentication credentials.

Abstract: A method for managing accounts using an account management system comprising an allocation management circuit and a transaction management circuit.

Abstract: A method for authenticating a user on behalf of a third party provider includes receiving, by an identity provider computing system, a user token and user device information from the third party provider, identifying, by the identity provider computing system, the user based on the user token, identifying, by the identity provider computing system, related user activity based on the user device information, and authenticating, by the identity provider computing system, the user based on the related user activity.

Abstract: A computer implemented method performed by an identity verification computing system includes receiving a request to provide an identity verification of a user via an entity computing system, the request including data associated with a user device associated with the user. A user-level profile associated with the user device is accessed. A user-level token is requested from the user device. The user-level token is associated with the user-level profile. The user-level token is received from the user device, and validated. An identity verification approval is transmitted to the entity computing system.

Abstract: Presenting information on a computing device based on context is disclosed. A non-limiting example is a computing device or method for presenting information. The method determines contextual information associated with the computing device. The contextual information includes proximity information identifying electronic devices in proximity to the computing device The method also comprises receiving information to present to a user of the computing device. The method also includes formatting the received information based on the determined contextual information and presenting the formatted information.

Abstract: Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.

Abstract: A method including storing a record in an information directory of a computer system. The method also includes receiving a confirmation that a particular identifier of the one or more public identifiers is useable to contact the recipient based on one or more responses to one or more authentication request messages. The method additionally includes receiving, through the computer network, a funds transfer request from a sender having a sender account at a second financial institution. The method further includes determining a private identifier for the recipient account using the information directory based on the particular public identifier of the one or more public identifiers.

Abstract: A computer-implemented payment processing method includes storing, by a computer system, information regarding a recipient in an account information directory, the account information directory being implemented in a data storage system, the information including a public identifier identifying the recipient, the public identifier including an e-mail address and/or a telephone number assigned to the recipient when the public identifier is stored in the account information directory; receiving, by the computer system, a funds transfer request identifying the recipient by the public identifier, the funds transfer request being received via a computer network; determining, by the computer system, a private identifier for the recipient based on the public identifier; and transmitting, by the computer system, a funds transfer message via a computer network to cause funds to be transferred from a sender to the recipient, the funds transfer message being generated using the private identifier.