Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system.

Abstract: Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet.

Abstract: Improved techniques for adapting the look, feel, and/or behavior of a mobile application based on user attributes, location, and/or environment in which it is used are described herein. A triggering condition is determined to be satisfied between a hand-held device and a beacon. Based on the triggering condition being satisfied, one or more application settings are applied to an adaptive application, where these settings are associated with the beacon. Additionally, in response to fetching or acquiring an application skin that is associated with the beacon, the application skin is also applied to the adaptive application.

Abstract: A system and method for adapting the look, feel, and behavior of a mobile application based on the user, location or environment in which it is used.

Abstract: A system and method for adapting the look, feel, and behavior of a mobile application based on the user, location or environment in which it is used.

Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system.

Abstract: Embodiments are provided for securely messaging healthcare entities. In one scenario, a computer system receives an input from a user indicating that a message including text or other characters is to be securely transmitted to a specified healthcare entity. The message is part of a conversation between a user and the specified healthcare entity. The computer system encrypts the characters of the message using at least one encryption algorithm, so that the message is encrypted during the transfer from the user to the specified healthcare entity. The computer system then initiates transmission of the encrypted message such that the encrypted message is sent to the specified healthcare entity. Throughout the process, the encrypted message is transferred in accordance with legal regulations governing healthcare communications.

Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system.

Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system.

Abstract: A crypto-currency based value interoperability computing system for transferring closed-loop value within an accrued value system using crypto-currency is provided. The cyrpto currency based system may include an integration tier operable for managing mobile wallet sessions while maintaining integrity of the session. Notification services may also form part of the system as does a service connector layer. The system may further employ business process services and a payment handler service. Security and authorization services may also provided. The system may further employ use of a mobile device configured to run a cyrpto-currency based value interoperability system application that may involve transfers from and to stored value funding accounts with associated permissions and validation. The system may further include tokenizing the stored value funding account through a toke service provider who may employ a token management system.

Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system.

Abstract: A computer system is provided which determines that a mobile device associated with an identified customer is within a seller's store. The computer system further receives transaction information from a mobile wallet application associated with the customer which includes an indication of items that are to be purchased, an indication of the amount that is to be paid, and an indication that payment is to be made from a stored value account (SVA) associated with the customer. The computer system determines, based on the customer's identity, current location, and the received transaction information, that the customer has approved the transaction, processes the transaction using the customer's SVA, provides a credit to the seller in the amount debited from the customer's SVA and generates an electronic receipt for the customer, notifying the customer that the seller has received the specified amount of money from the customer's SVA.

Abstract: A method for managing network-based electronic commerce digital communications and associated user-health information can comprise accessing health related information for a user of an electronic payment system. The method can also comprise determining based upon the health related information, a particular health attribute of the user. The method can further comprise matching the metadata associated with an advertisement campaign indicator with the particular health attribute of the user. Additionally, the method can comprise matching information associated with an interactive object with the particular health attribute of the user. The method can comprise generating a benefit data structure that comprises a user-interaction tracking metric. Further, the method can comprise detecting a user interaction with the interactive object within the mobile wallet application. Based upon the detecting interaction, the method can comprise updating the user-interaction tracking metric.

Abstract: Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet.

Abstract: A mobile global exchange platform is provided. The mobile global exchange platform includes a processor, a hardware receiver that receives an indication that a sum is to be transferred between transaction systems, a determining component that determines a country of origin for the transaction systems, a data accessing component that accesses data structures that indicate financial regulatory schemes under which the transaction systems operate, an analyzing engine that analyzes the current regulatory schemes to determine how to transfer sums between the first and second transaction systems in accordance with each system's respective financial regulatory scheme, and a value transferring component configured to electronically transfer the sum, in compliance with the regulatory schemes of the transaction systems, so that the sum is transferred from one transaction system to another transaction system according to each system's respective current regulatory schemes.

Abstract: Embodiments are directed to selecting a debit network using a quick response (QR) code and to processing a payment using a debit network selected according to information embedded in a QR code. In one scenario, a mobile computer system receives input indicating that a user has initiated a payment for various items sold by a provider of goods or services. The mobile computer system determines that the user or the provider has specified a preference indicating which debit network is to be used to process the payment. The mobile computer system then generates a QR code with the debit network selection and portions of the user's debit account information embedded in the QR code, and sends the generated QR code to a payment processing system. The payment processing system may be cloud-based, or may be run locally at the provider's point of sale.

Abstract: Embodiments are directed to providing targeted messages using a plurality of communication channels and to providing targeted messages to mobile devices. In one scenario, a computer system instantiates a multi-channel communication service that is configured to provide different targeted messages using multiple different communication channels. The computer system further determines that a targeted message is to be provided to a specified user through a first communication channel, and provides the targeted message through the first communication channel. The computer system also determines that the targeted message is to be provided to the specified user through a second, additional communication channel, and provides the targeted message through the second, different communication channel. The messages may include any type of content including text, pictures, videos, links or other content.

Abstract: Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet.

Abstract: Embodiments are directed to selecting a debit network using a quick response (QR) code and to processing a payment using a debit network selected according to information embedded in a QR code. In one scenario, a mobile computer system receives input indicating that a user has initiated a payment for various items sold by a provider of goods or services. The mobile computer system determines that the user or the provider has specified a preference indicating which debit network is to be used to process the payment. The mobile computer system then generates a QR code with the debit network selection and portions of the user's debit account information embedded in the QR code, and sends the generated QR code to a payment processing system. The payment processing system may be cloud-based, or may be run locally at the provider's point of sale.

Abstract: Embodiments are directed to providing a modular messaging platform that accommodates additional functionality modules. In one scenario, a computer system instantiates a modular messaging application that is configured to interoperate with additional functionality modules. The additional functionality modules are configured to provide additional functionality to the modular messaging application. The computer system receives an indication indicating that an additional functionality module is to be implemented within the modular messaging application. The computer system then initiates transmission of a message from the messaging application, where the message is sent using at least some of the functionality provided by the additional functionality module.