Abstract: Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase. According to disclosed embodiments, a financial service system collects financial information associated with the prospective buyer. The financial service system also configures a secure software object, or token, comprising the buyer's financial information. The financial service system transmits the token to various inventory listing sites. By utilizing graphical user interfaces on the inventory listing sites that integrate the transmitted token information, the prospective buyer is provided enhanced information for shopping and researching their purchase, including how the purchase and its financing fit into their overall financial profile.

Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.

Abstract: The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. The lending system may store the first small business data and analyze the first small business data to determine whether the small business qualifies for a loan product provided by a financial service provider. In another embodiment, the lending system may determine, based on the analysis, that additional business data is needed to determine whether the small business qualifies for the loan product. The lending system may further receive second small business data from the small business and analyze the second small business data to determine whether the small business qualifies for the loan product provided.

Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association.

Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association.

Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.

Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: A system and method for real-time funds transfer that includes a financial institution server system that maintains an agent account for real-time transfers, an input/output module of the financial institution server system that receives a request for a real-time funds transfer, wherein the request for the real-time funds transfer includes destination account data, funds transfer amount, and source financial institution preference data, a destination agent module of the financial institution server system that processes the received request and determines whether the agent account can facilitate the real-time funds transfer based on the destination account data, funds transfer amount, and source financial preference data, and a destination account module of the financial institution server system that receives, in real-time from the agent account, the funds transfer amount if the destination agent module determines that the agent account can facilitate the real-time funds transfer.

Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.

Abstract: The disclosed embodiments include methods and systems for providing financial services for three-dimensional (3D) manufacturing. Consistent with disclosed embodiments, a system may receive a request and payment information from a user for producing a 3D manufacturing product. The system may then transmit the payment information to one or more vendors identified by the request. The system may also provide a registration number associated with the 3D manufacturing product to the user. The one or more vendors may include a manufacturer system and/or a designer system. The designer system may transmit a 3D design file associated with the 3D manufacturing product to the manufacturer after receiving the payment information associated with the 3D manufacturing product.

Abstract: Systems and methods are disclosed for determining the value of secured assets associated with loan accounts. In one implementation, a financial service system configures a secured loan account for a customer. The system determines an asset belonging to the customer to serve as the secured collateral for the loan. One or more sensors are configured to monitor information associated with the asset. The financial service system may periodically sample the sensor information associated with the asset, and use the sensor information to determine a present valuation of the secured asset. The sensor information may also be used to modify the loan terms, or to generate advertising targeted to the customer for related goods or services.

Abstract: This disclosure relates generally to credit-based transactions, and more particularly to dynamic purchase financing methods and systems. In one embodiment, a computer-implemented method provides a conditional credit line. The method receives a payment authorization request, and parses, via a processor, the payment authorization request to extract payment information. The method determines that the payment information includes information related to an extra credit line. The method generates, via the processor, a credit-risk allocation notification associated with the extra credit line, and transmits the credit-risk allocation notification to a computer associated with a financial institution.