Abstract: An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.

Abstract: The disclosure relates to systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device; transmitting the transaction code to a merchant device for association with a transaction; receiving transaction information associated with a transaction based on the transaction code at the mobile device; displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device; receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction; receiving notification of approval of the payment at the mobile device; and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

Abstract: Provided are systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device, transmitting the transaction code to a merchant device for association with a transaction, receiving transaction information associated with a transaction based on the transaction code at the mobile device, displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device, receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction, receiving notification of approval of the payment at the mobile device, and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

Abstract: This disclosure describes systems and methods related to authorizing payment transactions using verbal recognition of a customer. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.

Abstract: Systems and methods for tokenizing financial information are provided, including embodiments relating to authorizing payment or sale transactions using verbal recognition of a customer or user. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.

Abstract: This disclosure describes systems, methods, and computer-readable media related to facilitating item searching and linking transactions functionality in mobile commerce. In some embodiments, a user device may receive an identification of an item from a user. The user device may receive one or more search parameters. The user device may facilitate a search for the item based at least in part on the identification of the item and the one or more search parameters. The user device may insert the item into a lifecycle shopping list. The user device may store the lifecycle shopping list.

Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

Abstract: The disclosure relates to systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device; transmitting the transaction code to a merchant device for association with a transaction; receiving transaction information associated with a transaction based on the transaction code at the mobile device; displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device; receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction; receiving notification of approval of the payment at the mobile device; and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

Abstract: This disclosure describes systems, methods, and computer-readable media related to systems and methods for facilitating login functionality in mobile commerce. A user device may receive information. The user device may transmit the information to a remote server. The user device may receive a token generated by the remote server based at least in part on the information. The user device may receive a request for the information. The user device may transmit the token associated with the information to the remote server. The user device may receive a notification that the remote server transmitted the requested information.

Abstract: An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.

Abstract: This disclosure describes systems, methods, and computer-readable media related to facilitating mobile bill payment functionality in mobile commerce. In some embodiments, a user device comprising one or more processors may receive a notification from a financial institution, wherein the notification comprises information associated with a bill. The user device may display the notification. The user device may receive, from a user, an indication for an action associated with a payment of the bill. In some embodiments, the user device may process the action associated with the payment of the bill.

Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

Abstract: This disclosure describes systems, methods, and computer-readable media related to facilitating item searching and linking transactions functionality in mobile commerce. In some embodiments, a user device may receive an identification of an item from a user. The user device may receive one or more search parameters. The user device may facilitate a search for the item based at least in part on the identification of the item and the one or more search parameters. The user device may insert the item into a lifecycle shopping list. The user device may store the lifecycle shopping list.

Abstract: Systems and methods are provided for facilitating purchases at a gas station via mobile commerce. A merchant system can receive an indication that a consumer is at or near the merchant location and can check the consumer into the location. A mobile application can launch and provide the merchant system with consumer identification information. While a consumer makes a purchase at a location, the merchant system can select advertising to provide to the consumer on the consumer mobile device to convince the consumer to make additional purchases at the merchant location. In addition, the consumer can make additional purchases from the merchant system while, for example, pumping gas and can be provided with a code or other identify to provide the consumer with access to those additional products once they have completed the gas purchase.

Abstract: The disclosure relates to systems and methods for facilitating loyalty and reward functionality in mobile commerce. In one embodiment, a method for providing a loyalty/reward program can include receiving an indication that a consumer has entered a predefined merchant location; transmitting a notification to a mobile device associated with the consumer; providing one or more payment tools on a mobile device for the consumer to facilitate a purchase from a merchant associated with the predefined merchant location; generating a loyalty/reward credit for an account associated with the consumer; and receiving an instruction from the consumer to redeem loyalty/reward credit for goods and/or service from the merchant.

Abstract: This disclosure describes systems and methods related to authorizing payment transactions using verbal recognition of a customer. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.

Abstract: Systems and methods for electronic commerce using a dynamic checkout and/or group gifting are provided. The dynamic checkout process can be integrated with a social platform electronic commerce experience allowing a user to select a single gift, multiple gifts, and/or to create a basket of goods to send to one or multiple recipients. The dynamic checkout allows the user to select the desired recipient(s) before, after, or intermixed with selecting the offers and/or creating the basket of goods. These offers or products can be purchased by the user with a single payment which will be appropriately apportioned to the merchants based on the products purchased. Once the payment has been successfully processed, an electronic delivery or a physical delivery of the goods or products will occur.