Abstract: Techniques for providing automated real-time approved financial offers to communication devices associated with users are presented. An open credit exchange platform (OCEP) includes a credit management component that collects personal and financial information respectively associated with users. Financial service providers associated with the OCEP generate approved financial offers, based on the personal and financial information, and assessment criteria of the financial service provider, and provide these financial offers to the OCEP. The OCEP evaluates the financial offers directed to a user and identifies at least a preferred financial offer for presentation to the communication device of the user. If the user decides to accept the financial offer, the user can enter the user's electronic signature on a contract relating to the financial offer via the communication device, and the electronic signature can verify the user's electronic signature, to facilitate creating a legally binding contract.

Abstract: Disclosed are electronic systems and techniques for implementing a banking transaction and feed display system are provided that allow a user to visualize and interact with a financial transaction feed displayed on a mobile device. The feed displays a list of transactions made over a defined period of time, and the user selects different views, grouping the financial transactions by type, by recipient, by donor, by amount, and so on. The banking transaction and feed display system provides a rich set of tools to allow the user to customize the views and quickly display a desired format. The system also enables peer to peer payments to contacts stored in an address book on the mobile device.

Abstract: Financial transactions are tracked and a communication thread related to a financial transaction is generated. A reward stimulus is offered as part of and related to the communication thread. A third party vendor or a bank server can identify the communication thread and initiate a communication with the reward stimulus. A behavior profile can be generated based on the financial transaction and personal data including purchases tracked and spending habits. A communication exchange can be initiated on a mobile device as part of the communication thread based on predetermined options such as important dates, a geophysical location, social networking activity, a reminder, the behavioral profile, an inquiry and/or feedback received or published.