Abstract: A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.

Abstract: A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.

Abstract: A computer-implemented method includes receiving a request for a code to provide to a merchant, the code being generated for the merchant to display to an account holder, generating the code, including embedding in the code a transaction identification number, a geographic location of the merchant, a timestamp, sending the code to the merchant for displaying to a mobile device to scan, receiving an amended code from the mobile device to transfer funds to the merchant from an account held by the account holder, and sending the requested funds to the merchant upon verifying a geographic location of the mobile device is within a predetermined distance of the geographic location of the merchant.

Abstract: A computer system includes a processor configured to receive one or more offers from one or more merchants, determine an offer from the one or more offers to present on a mobile device based on a characteristic of a user of the mobile device, receive a request for a code to provide to a merchant associated with the offer, the code being generated for the mobile device that belongs to the user, receive, from the mobile device, an indication from the user to use the offer that provides the user a discount from a price of a product or service, send to the mobile device, by an offer computer system, an offer code to be displayed on the mobile device and to be received by the merchant, aggregate a total amount of funds that the user has saved using a plurality of offers in the past, generate the code, including embedding in the code a transaction identification number, a geographic location of the mobile device, a date and a time, send the code to the mobile device for the merchant to scan and send to a financial

Abstract: One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.

Abstract: A computer-implemented system and method includes receiving a request to perform a transaction between a merchant and a user having a mobile device and an account at a financial institution, determining a first location of the user based on a location of the mobile device, determining a second location of the user based on a location of the merchant, comparing the first and second location to ensure a match, receiving an identifier, the identifier being embedded in a code displayable on the mobile device, and transmitting an indication that the transaction has been completed, the transaction being completed based on the identifier and based on the match of the first and second location.

Abstract: A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.

Abstract: A computer-implemented method includes capturing an image by a mobile computing device and determining a geographic location and a direction of the mobile computing device while capturing the image. The method includes generating a display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device and generating the at least one offer based on the past transactions of the user.

Abstract: A computer-implemented method includes capturing an image by a mobile computing device and determining a geographic location and a direction of the mobile computing device while capturing the image. The method includes generating a display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device and generating the at least one offer based on the past transactions of the user.

Abstract: A computer-implemented system and method includes receiving, from a mobile device, a request to initiate a transaction. The method includes receiving, from the mobile device, a selection of a stored value card from among a plurality of stored value cards as a payment option for the transaction. Additionally or alternatively, the method includes receiving value card information from the mobile device of a user and transferring funds from the balance of the value card to the merchant. The method includes reducing the balance of the value card by the amount of the transferred funds.

Abstract: A computer-implemented method includes capturing an image by a mobile computing device and determining a geographic location and a direction of the mobile computing device while capturing the image. The method includes generating a display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device and generating the at least one offer based on the past transactions of the user.

Abstract: A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.

Abstract: A computer-implemented system and method includes receiving a request to perform a transaction between a user having a mobile device and the user having account at a financial institution and a merchant. The method includes determining a first location of the user based on a location of the mobile device and the method includes determining a second location of the user based on a location of the merchant. The first and second locations are compared to ensure a match between the two locations. The method further includes receiving an identifier that is embedded in a code that is displayable on the mobile device. The method includes transmitting an indication that the transaction has been completed based on the identifier and based on the match of the first and second location.

Abstract: A computer-implemented method includes capturing an image by a mobile computing device and determining a geographic location and a direction of the mobile computing device while capturing the image. The method includes generating a display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device and generating the at least one offer based on the past transactions of the user.