Abstract: Systems, methods, and computer program products enhance the affinity experience for affinity account holders by providing offers related to the user's geographic location. In the various systems, location data is received from a mobile device of the user that is in communication with the system, a geographic area of the mobile device is identified based on the location data, at least a portion of the geographic area associated with an affinity object associated with a financial vehicle of the user is determined, and one or more offers associated with the affinity object is identified based on the geographic area.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a credit account a location of a consumer having the credit account. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with a mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine a balance value of the credit account of the consumer; and (d) determine an offer to present to the consumer based at least partially on the balance value of the credit account and a determined location of the consumer.

Abstract: Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided.

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting an offer based on geolocation information. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user based on geolocation information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. The apparatus may also be configured to transmit, in real-time, offers to the first user based on at least one of real-time or historical geolocation information associated with the first user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network; and present the offer based on the determination.

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction.

Abstract: Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing special resource availability information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine special resource availability information associated with the financial institution physical location; and provide the determined special resource availability information to the customer. In some embodiments, the special resource availability information comprises information corresponding to an availability of at least one financial specialist based at the financial institution physical location.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an efficient interaction path for a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information for at least two interaction paths associated with the financial institution physical location; compare the interaction efficiency information for the interaction paths to determine a most efficient interaction path for the customer; and provide, to the customer, information associated with the determined most efficient interaction path for the customer.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for balancing a load of financial transaction channels. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine load information for at least two interaction paths associated with the financial institution physical location; compare the load information for the interaction paths; determine, based on the comparison of the load information for the interaction paths, an interaction path to recommend to the customer; and provide, to the customer, information associated with the recommended interaction path. In some cases, the load information includes a capacity percentage corresponding to the capacity of the interaction path with respect to a predetermined full capacity for each of the interaction paths.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for generating a personal bank note using readable indicia for providing payment information to a merchant during a transaction with a user. Embodiments initiate generating the readable indicia on a portable hard copy, the readable indicia encoding the payment information for presentation to the merchant such that the merchant may read the readable indicia, determine the payment information stored in the readable indicia and complete the transaction using the determined payment information. Some embodiments initiate presenting a user interface for interacting with the user regarding the personal bank note; and receive, from an account owner using the user interface, and store the payment information in the memory device. Some such embodiments receive, from an account owner using the user interface, user input requesting generation of the readable indicia.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing interaction efficiency information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information associated with the financial institution physical location; and provide the determined interaction efficiency information to the customer. The interaction efficiency information may include information related to one or more wait times at the financial institution physical location, where the one or more wait times include a wait time for a drive through station outside the financial institution physical location and a wait time for a teller inside the financial institution physical location.

Abstract: Systems, methods, and computer program products provide for notifying service customers of a verified period of time which a service provider has been located at a service location and, based on the notification, initiate payment, and in some embodiments, automated payment, to the service provider for the services rendered. As service customers are not required to be present when service is provided or at least upon completion of the service. Moreover, the remote service customer can be assured that a service provider was present at a verified location for a specified period of time, and, based on the assurance, initiate payment to the service provider.

Abstract: Embodiments for distributing payments for offer advertisements and settling offers are provided herein. The embodiments include receiving payment data from a merchant, the payment data comprising at least one payment for advertising; identifying one or more advertising providers based on the payment data; determining the amount owed to each of the one or more advertising providers; and distributing at least a portion of the at least one payment to at least one of the one or more advertising providers based on the determined amount.

Abstract: Systems and methods for a proposal system for advertisement offerings are provided. In an embodiment, the system and method receive at least one criteria for an advertisement from a user; determine a subset of advertisers from a plurality of advertisers stored in a database, wherein the subset of advertisers are determined based on the at least one criteria; request proposals from the subset of advertisers to provide the advertisement; receive proposals from the advertisers in response to the request for proposals; and provide the proposals to the user. The system and method provides for a bidding system that allows users to specifically target advertisements and receives proposals from advertisers capable of meeting the user's requirements. In some embodiments, the system assists in evaluation of the proposals and/or facilitates implementation of an advertisement once a proposal is selected by the user.