Abstract: Methods and systems of managing payment cards are disclosed. A computing system can receive, via a graphical user interface presented on a computing device, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant. The computing system can receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device. Based on the data corresponding to the point of sale device, the computing system can cause display, on the graphical user interface of the computing device, of an image selected according to the data.

Abstract: A method for initiating a provisioning of payment account information to a mobile wallet includes displaying, by an initiating device in communication with a provider computing system, a user interface configured to initiate the provisioning information regarding one or more payment accounts; receiving, by the initiating device via the user interface, authentication information to authenticate a user associated with the mobile wallet; receiving, by the initiating device from the provider computing system, account information for provisioning to the mobile wallet, the account information identifying eligible payment accounts retrieved by the provider computing system based on the authentication information; displaying, by the initiating device, a list of identifiers of the eligible payment accounts for provisioning; and receiving, by the initiating device via the user interface, a selection of an identifier of a payment account from the list for provisioning information regarding the payment account to the mob

Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.

Abstract: Systems, methods, and computer-readable storage media of activating a card having a contactless chip are provided. One method includes receiving, from a mobile device via a wireless transmission from the card having the contactless chip to the mobile device, a cryptogram, and decrypting the cryptogram to reveal information. The method further includes comparing the revealed information regarding at least one of the card or the user to information in a customer database, confirming the revealed information, and updating the customer database to indicate that the revealed information regarding the at least one of the card or the user is confirmed. The method further includes activating the card for an initial card transaction based on updating the customer database, and providing, to the mobile device, a payment card token associated with the card as part of a mobile wallet transaction using the mobile device involving the card.

Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

Abstract: A method for initiating a provisioning of a payment account to a mobile wallet includes generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts; receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning; displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts provisioning; and receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.

Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes providing a merchant mobile application to a customer device; receiving, by the provider institution computing system via a payment network, a payment authorization request generated at the merchant application subsequent to a short range communication between a contactless card and the customer device; determining that the payment authorization request is an activation request; verifying the activation request based at least on a cryptogram of the first payment authorization request and a device identifier of the customer device received via the first payment authorization request; activating the contactless card and updating a customer database; and providing a confirmation response to the customer device, the confirmation response configured to be displayed on the customer device.

Abstract: Systems, methods, and computer-readable storage media of activating a card having a contactless chip are provided. One method includes receiving, from a mobile device via a wireless transmission from the card having the contactless chip to the mobile device, a cryptogram, and decrypting the cryptogram to reveal information. The method further includes comparing the revealed information regarding at least one of the card or the user to information in a customer database, confirming the revealed information, and updating the customer database to indicate that the revealed information regarding the at least one of the card or the user is confirmed. The method further includes activating the card for an initial card transaction based on updating the customer database, and providing, to the mobile device, a payment card token associated with the card as part of a mobile wallet transaction using the mobile device involving the card.

Abstract: Systems and methods for performing multi-stage contactless payment authorization are disclosed. A system can receive a first payment authorization request generated in response to a contactless communication between a contactless card and a user device. The system can also receive, from the user device, a second payment authorization request generated in response to receiving card information associated with the contactless card. The system can verify that the contactless card is present at a generation of the second payment authorization request based on a condition between the first and second payment authorization requests being met. The system can transmit an approval of the second payment authorization request to the user device in response to verifying that the contactless card is present.

Abstract: A method, apparatus, and system are disclosed. A method includes receiving, by a computing system, an application of a user for a product or service. The application can include user information associated with a user input via a user device. The method further includes: transmitting a message to a third party computing system based on a contactless communication between a contactless card and the user device; receiving, by the computing system from the third party computing system, an indication that at least a portion of the user information matches information stored by the third party computing system based on the message; and approving, by the computing system, the application for the product or service based at least in part on the indication.

Abstract: A secured credit provider computing system is disclosed. The system includes a processing circuit. The processing circuit can provide, to a user computing device, a passcode corresponding to a product. The processing circuit can receive, from an automated teller machine (ATM), a request corresponding to the product and comprising the passcode. Responsive to determining that the passcode is valid, the processing circuit can cause the ATM to accept a check or paper currency corresponding to a collateral deposit for the product. The processing circuit can receive, from the ATM, a message acknowledging the collateral deposit, the message generated by the ATM upon accepting the check or paper currency. The processing circuit can determine that the collateral deposit satisfies a collateral request for the product and transmit, to the user computing device or the ATM, a notification indicating that the collateral deposit has been approved.

Abstract: A method includes receiving a mobile device identifier associated with a mobile device, wherein the mobile device identifier is received based on a first near-field communication (NFC) tap between the mobile device and a third-party computing system; validating the mobile device as belonging to a customer based on the received mobile device identifier; binding the mobile device identifier to the customer based on the validation; generating a token for an account of the customer; and in response to generating the token, providing the token to the third-party computing system, wherein the token is automatically provisioned to the validated mobile device via a second NFC tap between the mobile device and the third-party computing system.

Abstract: A method includes receiving, by a mobile device of a user, a payment amount for a transaction of the user. The method further includes receiving, by the mobile device, authentication data via a short range communication from a contactless card to the mobile device. The method further includes sending, by the mobile device, the authentication data and the payment amount from the mobile device to an account management system associated with the contactless card. The method further includes receiving, by the mobile device, an authorized form of payment for the payment amount from the account management system based on the user being authenticated using the authentication data. The method further includes providing, by the mobile device, the authorized form of payment to a merchant point of sale device.

Abstract: A method comprising receiving, by a first computing system from a second computing system, a pre-approval message indicating a customer is pre-approved to open an account, and receiving account registration information for opening the account and a mobile device identifier, the identifier received from the mobile device via a first near-field communication (NFC) tap between the mobile device and the first computing system. The method comprises providing the mobile device identifier to the second computing system to validate the mobile device, and receiving, from the second computing system, a payment token for the account, where the payment token is automatically provisioned to an application of the mobile device via a second NFC tap between the mobile device and the first computing system.

Abstract: A secured credit provider computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to receive, from a user computing device, an application for secured credit; generate a passcode corresponding to the application and transmit the passcode to the user computing device; receive the passcode from an automated teller machine (ATM) of a second provider; responsive to identifying the application based on the passcode, transmit, to the ATM for display, a collateral request for the application; receive, from the ATM, a message acknowledging a collateral deposit; determine that the collateral deposit satisfies the collateral request for the identified application; and transmit, to the user computing device or to the ATM, a notification indicating that the application has been approved.

Abstract: A method includes receiving a mobile device identifier associated with a mobile device, wherein the mobile device identifier is received based on a first near-field communication (NFC) tap between the mobile device and a third-party computing system; validating the mobile device as belonging to a customer based on the received mobile device identifier; binding the mobile device identifier to the customer based on the validation; generating a token for an account of the customer; and in response to generating the token, providing the token to the third-party computing system, wherein the token is automatically provisioned to the validated mobile device via a second NFC tap between the mobile device and the third-party computing system.

Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.

Abstract: A method performed by retailer computing system includes retrieving identification information for a customer and transmitting the identification information to an issuer computing system. The method includes receiving, from the issuer computing system, a pre-approval message indicating that the customer is pre-approved to open a payment account. The method includes receiving account registration information for opening the payment account from the customer and transmitting the account registration information to the issuer computing system. In response to establishing the payment account for the customer, a payment token for the payment account is automatically provisioned to a mobile wallet associated with the customer.

Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.

Abstract: A method includes: offering, by a circuit of the mobile device, a mobile pay function, receiving, by the circuit, establishing, by the circuit via a near-field communication (NFC) data connection, a wireless communication between the mobile device and a payment card, receiving, by the circuit via the wireless communication, information of a first financial account associated with the payment card, and receiving, via the wireless communication, an authentication code from the payment card. The method includes transmitting, a transaction request for a payment transaction, receiving, by the circuit at, an authentication decision from the computing system based on the authentication request, and enabling, by the circuit, (1) the payment card for use with the mobile pay function of the mobile device to conduct a transaction and (2) an additional financial operation on the mobile device.