Abstract: A computer-implemented method performed by one or more processors of a computer system is provided. The computer-implemented method includes: determining, by one or more processors of a computer system, an offer to provide to a mobile device of a user; generating, by augmented reality logic, an overlay display configured to overlay an image displayed on the mobile device, the overlay display providing additional information related to the offer to the user; generating, by the one or more processors, an offer code for the mobile device of the user for providing to a third party; and sending, by the one or more processors, the offer code to the mobile device.

Abstract: A computer-implemented method includes: receiving a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user; determining a location of the mobile device; receiving transaction information from a merchant computer system associated with the merchant; determining a location of a merchant point-of-sale device in communication with the mobile device; comparing the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device; generating a transaction code; transmitting the transaction code to the mobile device; transferring funds from an account of the user to a merchant account; and, transmitting an indication that the mobile wallet transaction has been completed to the mobile device.

Abstract: A computer-implemented method performed by a computer system includes receiving a payment token generated for a mobile wallet transaction between a payor and a merchant from a mobile device of the payor where the payment token is displayed on a POS (Point of Sale) device of the merchant and scanned by the mobile device as part of the mobile wallet transaction, determining, based on a payment token, an issuing financial institution and an account number corresponding to a payor account of the payor at the issuing financial institution, and initiating a transfer of funds from the payor account at the issuing financial institution to a merchant account held by the merchant at a recipient financial institution.

Abstract: A mobile device communicatively coupled to a computer system is provided. The mobile device includes an application configured to facilitate communication with the computer system, and further configured to: generate a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction; provide the displayable and scannable code to a computing system; and receive, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated.

Abstract: A computer-implemented method performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, at least one offer from at least one merchant; determining, by one or more processors of the mobile wallet computer system, an offer to provide to a mobile device of a user; causing, by the one or more processors, an image to be displayed on the mobile device taken from a camera of the mobile device; generating, by augmented reality logic, an overlay display configured to overlay the image, the overlay display providing additional information related to the offer to the user; generating, by the one or more processors, an offer code for the mobile device of the user for providing to a merchant; and sending, by the one or more processors, the offer code to the mobile device.

Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.

Abstract: A computer-implemented system and method that includes receiving, by a messaging hub, a code and a transaction amount from a recipient and determining, by the messaging hub, based at least partially on the code, an account number for a credit card held by a user. The system and method may include receiving, by the messaging hub, funds equaling the transaction amount from the credit card and depositing the funds in an account held by the messaging hub, the funds being received via a four-party credit card transaction in which the messaging hub operates as a merchant and sending the funds from the account held by the messaging hub to an account held by the recipient.

Abstract: A computer-implemented method includes: receiving a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user; determining a location of the mobile device; receiving transaction information from a merchant computer system associated with the merchant; determining a location of a merchant point-of-sale device in communication with the mobile device; comparing the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device; generating a transaction code; transmitting the transaction code to the mobile device; transferring funds from an account of the user to a merchant account; and, transmitting an indication that the mobile wallet transaction has been completed to the mobile device.

Abstract: A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein. The instructions cause the computer system to: receive a request for a code on behalf of the payor; route the request to a first computing system; receive, from a second computing system, a message including a payee identifier and the code that includes account information of the payor; identify the first computing system based on the code; route the code and the payee identifier to the first computing system; receive, from the first computing system, the account information of the payor based on the code; and route the account information of the payor to the second computing system to process a payment from the payor to the payee.

Abstract: A mobile device includes at least one processor, a memory and computer-executable instructions stored thereon. The mobile device is structured to determine first geolocation information indicative of a location of the mobile device and determine, based on the first geolocation information, that the mobile device is located within a predetermined geographic region from a plurality of merchant locations. The mobile device generates an electronic alert message regarding the plurality of merchant locations and displays the electronic alert message to the user. The mobile device determines a user selection of a payment card via a mobile wallet application running on the mobile device. Second geolocation information regarding a location of the mobile device is determined. A code generate a code for a purchase transaction is generated. The code includes the second geolocation information, tokenized payment card information, and a merchant identifier.

Abstract: A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein that cause the computer system to: receive a request for a dynamic token on behalf of a payor; route the request to a first financial institution; receive a message from a second financial institution including a merchant identifier and the dynamic token having a code comprising account information of the payor; identify the first financial institution based on the code; route the dynamic token and the merchant identifier to the first financial institution; receive the account information of the payor; and route the account information of the payor to the second financial institution to process a payment from an account of the payor to an account of the merchant.

Abstract: A computer-implemented system and method includes determining, by a mobile device associated with a user, a location of the user, generating, by the mobile device, a code comprising a tokenized value for sending funds and the location of the user, transmitting, by the mobile device, the code to a point of sale (POS) terminal associated with a merchant as part of a mobile wallet transaction, and receiving, by the mobile device, an indication that the mobile wallet transaction has been completed.

Abstract: A computer-implemented method includes receiving, by a computer system, a code request to generate a code, the code request associated with a transaction; selecting, by the computer system, information to include in the code after receiving the code request; generating, by the computer system, the code including the information; providing, by the computer system, the code to a first device associated with the code request; and receiving, by the computer system, the information from a second device after providing the code to the first device.

Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.

Abstract: A computer-implemented method performed by a mobile device of a user having a mobile wallet includes: receiving a log-in credential to access a mobile wallet client application; receiving an indication of a default account for mobile wallet transactions through the mobile wallet client application; receiving a credential as part of authenticating a mobile wallet transaction using the default account; generating an optical code for scanning as part of the mobile wallet transaction via the mobile wallet client application, wherein the optical code includes information relating to a geographic location of the mobile device specific to the mobile wallet transaction; and providing a display with a map having an indicator showing the geographic location of the mobile wallet transaction.

Abstract: A computer-implemented method includes receiving, by a recipient bank computer system, a previously used token from a point of sale (POS) device, the previously used token identifying a previous transaction as transferring funds to a merchant from a payor associated with the recipient bank computer system. The method also includes transmitting, by the recipient bank computer system, the previously used token to a messaging hub computer system. The method also includes receiving, by the recipient bank computer system, at least one of a card number or a payment credential, from the messaging hub computer system, the at least one of the card number or the payment credential associated with the previous transaction. The method also includes processing, by the recipient bank computer system, a refund using the at least one of the card number or the payment credential.

Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.

Abstract: A computer-implemented method performed by one or more processors of a mobile wallet computer system is provided. The method comprises providing, by an offer engine of the mobile wallet computer system, an offer to a mobile device of a user. The offer is presented based on a geographic location of the mobile device. The method further comprises generating, by a code generator of the mobile wallet computer system, an offer code for the mobile device of the user for providing to a merchant. The generating including embedding the geographic location of the mobile device into the offer code. The method further comprises sending, by network interface logic of the mobile wallet computer system, the offer code to the mobile device.

Abstract: A computer-implemented method includes receiving a request for a financial transaction between a mobile wallet of a user and a merchant; generating a displayable and scannable transaction code; sending the transaction code to one of a mobile device or the merchant for the other of the mobile device and the merchant to scan to request a transfer of funds from the mobile wallet of the user to the merchant; generating a verification request to confirm the information included in a transfer request; receiving a verification response confirming the information included in the transfer request; and transferring funds to the merchant upon receiving the verification response.

Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.