Abstract: Disclosed are a system and a method for purchasing items from a merchant system using friction-less payment processing technology. A customer initiates a purchase transaction from a user interface of the merchant system by selecting a payment button in lieu of payment information or login credentials or signing-into accounts. An auto-payment component parses a navigable link connected to the payment button to locate a mobile payment portal either installed on the mobile device as a mobile payment application or authenticated as a web application in a web-browser. The auto-pay component generates a payment request and sends the request to a payment service system via the mobile payment portal. The payment service system uses information in the payment request to identify financial accounts associated with the customer and the merchant. The payment service system then initiates a transfer of a payment amount from the customer to the merchant.

Abstract: In one embodiment, a method includes receiving, at a third-party payment application integrated with a native wallet application executing on a mobile device, a payment request and a near-field communication code received from a payment terminal associated with a merchant. The mobile device includes secure elements accessible by the third-party payment application based on a processor of the mobile device being in a secure mode. The method includes authenticating a user through a secure subsystem executing on the mobile device. The method includes facilitating payment between the user and the merchant through a third-party payment server based on the authenticating the user and identifying a loyalty program status associated with the merchant. The method includes updating the payment request with the loyalty program to generate an updated loyalty program status. The method includes displaying a user computing device, comprising the updated loyalty program status.

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: 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 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 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: 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 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: 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: 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: 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 is a technology for seamless initiation of a financial service, such as a payment transaction, by sending a communication message. The disclosed technology can be used, for example, to send payment from a person (e.g., a consumer) to another over e-mail without requiring any sign-up or login procedure. In at least one embodiment, the technology includes receiving a service request email generated by a native email application on a consumer's device, verifying the email using information included in the email, and initiating the service as requested based on the information. Various embodiments of the disclosed technology enable a simplified payment transaction system for ordinary consumers without the hassle of having to sign up, to remember a user account and a password, and to login for sending or receiving every payment transaction, while not sacrificing the essential security feature of authenticating the user for every payment transaction.