Abstract: A system and method for improving the security of financial transactions is disclosed. The system and method include an account management tool where customers (or account holders) can manage financial control settings, which include controls to set limits on the frequency of financial transactions and/or maximum transaction amounts. Based on these user-selected control settings, a financial account provider can deny transactions that exceed limits determined from the financial control settings. The system and method include a setting for geographic location, so that a user may build a customized list of geographic regions where transactions are allowed or prohibited. The system and method also include a setting for companies or merchants, so that a user may build a customized list of companies or merchants where transactions are allowed or prohibited.

Abstract: Methods and systems are provided for managing a mobile wallet. In some embodiments, a user may request re-provisioning of the payment instruments in a single user interaction. In accordance with embodiments of the invention, a method of managing a mobile wallet includes providing a downloadable application for enabling a mobile wallet on a user computing device, transmitting the application to the user computing device, receiving a request to enroll a plurality of payment instruments in the mobile wallet enrolling, the plurality of payment instruments in the mobile wallet, receiving a re-provisioning request, and re-provisioning at least a first group of the plurality payment instruments.

Abstract: A deposit card may be issued to a user that allows the user to go to a merchant and deposit cash into a deposit account of the user using information from the deposit card. The deposit card is unidirectional as it only can be used to deposit money into the deposit account. A barcode may be generated and disposed on the deposit card or provided separately. The barcode represents data that may be used in the deposit of cash to the deposit account, such as the name or other identification of the user, a card number of the deposit card, the name or other identification of the institution, an account number of the deposit account, etc. A merchant may use a barcode reader to read the barcode and obtain data that may be used in the deposit.

Abstract: An organization electronically receives a payment from a customer of the organization based on a current time. If the current time is before a predetermined time relating to an identified payment due date, a non-real-time payment system is employed to effectuate the payment from the customer. The non-real-time payment system processes the payment at a later time on or before the identified payment due date such that the payment is applied to the customer on or before the identified payment due date. If the current time is after a predetermined time relating to the identified payment due date, a real-time payment system is employed to effectuate the payment from the customer. The real-time payment system processes the payment at the current time such that the payment is applied to the customer at the current time.