Abstract: Embodiments of the invention are directed to systems, methods and computer program products associated with a bill payment feature that enables users to receive rewards for paying bills before their due dates. In some embodiments, a method comprises determining a bill due within a predetermined period in the future; initiating, via a mobile network, notification of the bill, an amount associated with the bill, and a due date associated with the bill; initiating, via the mobile network, a first option to pay the bill prior to the due date; and in response to determining the first option is selected: deducting, from an account, an amount of funds corresponding to the amount associated with the bill; providing a reward to the account; and transmitting, on the due date, the amount of funds to a merchant associated with the bill.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future.

Abstract: Embodiments of the present invention allow a user to use multiple different payment vehicles in a single transaction to purchase a variety of different items wherein the different payment vehicles are chosen because of favorable payment terms associated with a category assigned to the item by receiving information about a transaction, assigning the items in the transaction to at least one category, determining a payment vehicle to use in completing the transaction for each item and using the communication device to transmit to the transaction device the information related to the payment vehicles determined for use in completing the transaction for each item.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during a shopping experience including the steps of receiving an input that the user has entered a store, receiving product identifiers, comparing the product identifiers to the at least one rule, determine the one or more offers for one or more products associated with the product identifiers to the at least one rule, presenting to the user, via a user interface, the one or more offers for the one or more products before the user enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.

Abstract: Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.

Abstract: Devices, methods and computer program are defined that provide for notifying (e.g., alerting) users of mobile devices as to suggested payment types accepted by the merchant at which the user is located. The suggested payment type may be one that is favorable or beneficial to the user in terms of discounts/rebates, transaction fee reduction, rewards points transaction processing security and/or extended warranty coverage for items transacted and/or the like. As a result the user makes informed decisions on which payment type to use for an impending transaction at the merchant.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during an online shopping experience including the steps of receiving an input that the user has initiated the online shopping experience, receiving one or more product identifiers, comparing the one or more product identifiers to at least one rule, determining the one or more offers for one or more products associated with the one or more product identifiers, presenting to the user, via a user interface, the offer for the product before the consumer enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a social media offer system to users. The system determines that a primary user is eligible for an offer; identifies a social media site of the primary user; provides the offer to the primary user through the social media site; receives instructions from the primary user to share the offer with at least one secondary user; and shares the offer with the secondary user based on the instructions received from the primary user. The system allows users to establish hierarchies and criteria for whom should receive the offers, how the offers should be provided to the user's social media sites, and whether the offers may be shared with others.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: determine identification information associated with a fuel pump that will be used for fueling the vehicle; transmit a purchase authorization request to an external server based on the identification information; and receive an offer based on offer information associated with the offer substantially matching at least one of user information or account information associated with a user of the apparatus.

Abstract: Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: receive pre-configured information associated with an information-providing source associated with at least one of the fuel station or a fuel pump at the fuel station; determine identification information associated with the fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information and the pre-configured information.

Abstract: Systems, methods, and computer program products are provided provide for notifying customers, post-transaction, of additional payment types accepted by the merchant and, in some embodiments, an option to change the payment type to one of the additional payment types. As such, the present invention serves to make the customer aware of new and emerging payment types, such as specific mobile payment types, that the customer may otherwise be unaware of their acceptance by the merchant. In addition, the merchant may provide and notify the customer of benefits (e.g., discounts, rebates/cash-back or the like) for using one of the additional payment types for a future transaction, thereby, enticing the customer to use the new and emerging payment type.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: initiate a fuel purchase application; determine identification information associated with a fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing a mobile wallet account number associated with all of the payment devices on a mobile wallet. In this way, if the mobile wallet it misplaced, the user may not have to cancel and re-open each of the payment devices on the mobile wallet. The cancelling and re-opening process may be time consuming and effect other automatic transactions associated with the payment devices. The system provides a mobile wallet account number to a merchant and the merchant may process the transaction using that account number. Subsequently, the system may associate the mobile wallet account number with a payment device and apply the transaction to that payment device.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing an expedited presentment, registration, processing, and using offers and/or loyalty accounts at a point-of-transaction. The system may determine when a user is initiating a transaction at a point-of-transaction associated with a merchant. After the user has initiated the transaction, he/she may be presented with a detectable indicia at the point-of-transaction. An image of the indicia may be captured or scanned by the user via his/her user device. The captured indicia may provide the user with available offers and/or loyalty account or a communication link to receive available offers and/or loyalty accounts. Upon user selection, the available offers and/or loyalty accounts may be applied to the user's current transaction.

Abstract: Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a social media offer system to users. The system assists users in determining whether the users are eligibly for offers provided through social media. In some situations, the system also facilitates eligibility by assisting the user in qualifying for the offer. The system determines that a primary user shared an offer with a secondary user; determines an identity of the secondary user; and determines whether the secondary user is eligible for the offer based on the identity of the secondary user. If the secondary user is not eligible, the system provides information to the secondary user, such as instructions in how to become eligible.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station using a portable mobile communication apparatus. An exemplary portable mobile communication apparatus is configured to: receive pre-configured information associated with an information-providing source in a vehicle; determine identification information associated with a fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information and the pre-configured information.