Abstract: A method of managing transactions between a mobile wallet within a mobile device and a point-of-sale terminal at a merchant is disclosed and may include receiving a request for a purchase code from the mobile wallet, generating a short-term purchase code, transmitting the short-term purchase code to the mobile wallet, and receiving the short-term purchase code from the merchant.

Abstract: A method of providing a mobile wallet is disclosed and may include displaying a mobile wallet login screen and displaying a mobile wallet. The mobile wallet includes at least one of the following: an accounts option, a buy now option, an offers option, a receipts option, and a more option. The method further includes displaying one or more accounts when the accounts option is selected. The one or more accounts may include at least one of the following: a bank account, a credit account, a gift card account, and a rewards account.

Abstract: A system and method for effecting a substantially real-time financial transaction between at least one secure account linked to a computer device, such as a checking account that ultimately has a delayed-settlement of financial transactions, and one other financial account, such as another secure account linked to another computer device. A financial services system allows remote computer devices, such as mobile computer devices, to store access codes, such as debit card numbers, for secure accounts and the financial services system can then effect a desired transaction over an existing electronic transaction network, such as an ATM/Debit network, thereby causing the financial transaction to occur substantially in real-time between secure accounts.