Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may parse activity information from the e-receipts and associate the activity information from the e-receipts with the corresponding activities.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past and future activities based on a future location or future time period, and assembles the activities into packages. The proposed packages are supplemented with the images and the activity information related to past and future activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system captures past activities that occurred at the same or similar locations or time periods, and assemblies the activities into packages. The packages are supplemented with the images and the activity information related to the activities captured from the various sources of information, and the activities, activity information, and images are displayed in a package interface.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system identifies activity history for a location or time period in the past, and displays the activities, activity information, and images for the location or time period in the in past in an activity history interface. At least a portion of the activity history may be shared with other users, and offers may be shared based on the activity history.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may identify activities associated with other users (e.g., gift deposit) that can be ultimately linked to other activities associated with merchants (e.g., purchase of a product). The financial and social management system may provide social relationship information between users based on the activities entered by the first user when other users are involved or linked to the activities.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system aggregates the activity information for a number of activities based on the location, user, entity, category, cost, time period, or the like and displays the aggregated activity information in an activity review interface. The financial and social management system may supplement the aggregated activity information with educational data.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may tag the activities with activity information, such as location, social relationship, entity, and category information.

Abstract: A networking platform for lending is disclosed. The platform may facilitate communication of potential borrowers and potential lenders where such lenders are not traditional financial institutional lenders. The platform may be configured to poll a potential borrower's social network to identify acquaintances that may wish to fund at least a portion of the requested loan.

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: Systems, methods, and computer program products enhance the affinity experience for affinity account holders by providing topic notifications 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 topics associated with the affinity object is identified based on the geographic area.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for communicating messages 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; create one or more messages based on the determination that the one or more customers are in proximity to the retailer physical location; and initiate communication of the one or more messages to the one or more customers. 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.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a rewards program. The system, method, and computer program product are configured to determine that a customer has completed an action; determine that the customer has earned a reward based on the action; determine a category associated with the reward; and apply the reward to the category. In some situations, the categories are default categories provided by the financial institution. In other situations, the categories are defined by the customer. The system determines which category an earned award is routed into using a decision engine that evaluates the award and/or the action completed by the customer and compares the award and/or action to rules, such as default rules, custom rules, or dynamic rules. The categories may also include goals and the system assists in tracking customer's progress towards the goal.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for communicating messages 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 network; 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 of retailers; and present the offer is based on the determination.

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: Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the 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 whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero.

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.