Abstract: A method may include receiving a first recommendation request context from a first communication channel; routing the first recommendation request context to a channel recommendation engine for the first communication channel; receiving a first recommendation from the channel recommendation engine for the first communication channel; providing the first recommendation and the first recommendation request context to a centralized recommendation engine that trains a machine learning engine; providing the first recommendation to the first communication channel that provides the first recommendation to the first customer; receiving a first result of the first recommendation from the first communication channel; receiving a second recommendation request context from the first communication channel; routing the second recommendation request context to the centralized recommendation engine; receiving a second recommendation from the centralized recommendation engine; and providing the second recommendation to the fi

Abstract: Systems and methods for push provisioning of a financial instrument to an electronic device from a browser are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for push provisioning of a financial instrument to an electronic device from a browser may include: (1) receiving, from a cardholder and at an issuer website accessed by the cardholder by a browser, a request to provision a financial instrument to an electronic wallet provided by an electronic wallet provider and executed by a mobile electronic device; (2) providing an interface to an electronic wallet provider website for the electronic wallet provider and associating the interface with a session id; (3) receiving an electronic device identifier for an electronic device and the session id from the electronic wallet provider; and (4) provisioning the financial instrument to the electronic wallet on the electronic device associated with the electronic device identifier.

Abstract: A system and a method for using a payment card account to conduct a transaction are provided. The method includes: receiving a transaction initiation request for conducting a proposed transaction with a merchant; identifying, based on the received transaction initiation request, a payment card account to be used for conducting the proposed transaction; determining, based on the received transaction initiation request, whether first information that includes a cardholder name and an account number has previously been provided to the merchant; and when the first information has previously been provided to the merchant, using the first information to conduct the proposed transaction. The transaction initiation request includes merchant information, identificad on informad on that relates to an object to be purchased, and price information.

Abstract: Systems and methods for managing merchant-stored payment credentials are disclosed. In one embodiment, in a financial institution backend comprising at least one computer processor, a method for managing merchant-stored payment credentials may include: (1) receiving, from a customer and in a first user interface, a selection of a merchant that is eligible for financial instrument pushing; (2) opening a second user interface with the selected merchant, wherein the login credentials for the merchant are received from the customer in the second user interface; (3) receiving, from the customer and in the first user interface, a selection of a financial instrument to push; and (4) providing, to an aggregator, financial instrument data for the selected financial instrument. The aggregator pushes the financial instrument data to the merchant.

Abstract: Systems and methods for card replacement are disclosed. In one embodiment, in a card issuer backend comprising at least one computer processor, a method for card replacement may include: receiving, from a cardholder, a request to replace a lost card; determining that the lost/not received card has not been provisioned to an electronic wallet associated with the cardholder; generating a token for the lost card; provisioning the token to the electronic wallet; generating a replacement card number for the lost card; requesting that a token service provider assign the token for the lost card to the replacement card number; and updating a customer profile with the replacement card information. The token service provider may change an association of a token from being associated with the lost card to being associated with the replacement card, and may provide the electronic wallet with replacement card information via an electronic wallet provider.

Abstract: Systems and methods for push provisioning of a financial instrument to an electronic device from a browser are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for push provisioning of a financial instrument to an electronic device from a browser may include: (1) receiving, from a cardholder and at an issuer website accessed by the cardholder by a browser, a request to provision a financial instrument to an electronic wallet provided by an electronic wallet provider and executed by a mobile electronic device; (2) providing an interface to an electronic wallet provider website for the electronic wallet provider and associating the interface with a session id; (3) receiving an electronic device identifier for an electronic device and the session id from the electronic wallet provider; and (4) provisioning the financial instrument to the electronic wallet on the electronic device associated with the electronic device identifier.