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: 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: Systems and methods utilizing payment tokens are provided. One method includes receiving a transaction authorization request including a plurality of transaction conditions; generating a plurality of payment tokens based on the plurality of transaction conditions; provisioning the plurality of payment tokens, each of the payment tokens including at least one transaction condition of the plurality of transaction conditions; receiving a payment token from the plurality of payment tokens based on the plurality of transaction conditions; and transmitting, to a recipient, a payment corresponding to the received payment token.

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: 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 includes receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device; receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address; decrypting, by the provider computing system, the encrypted network return address using the encryption key; and providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

Abstract: A method of payment using rewards is provided. The method includes detecting, by a mobile device of a customer, an authentication device based on a short range wireless communication between the mobile device and the authentication device; in response to detecting the authentication device, retrieving, by the mobile device, authentication data of the customer from the authentication device via the short range wireless communication; populating, by the mobile device, a graphical user interface displayed to the customer using the authentication data retrieved from the authentication device; receiving, by the mobile device, a selection from the customer to send the authentication data to an account management system; sending, by the mobile device, the authentication data to the account management system based on the received selection; and receiving, by the mobile device, a payment option for a transaction based on the customer being authenticated using the authentication data.

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 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 for provisioning a payment account to a mobile wallet on a mobile device includes receiving, by a provider computing system, an encrypted network return address of the mobile wallet that uniquely identifies a network address of the mobile wallet when the encrypted network return address is decrypted from an initiating device, receiving, by the provider computing system, an encryption key configured to decrypt the encrypted network return address, wherein the encryption key is not provided to the initiating device, decrypting, by the provider computing system, the encrypted network return address using the encryption key, and provisioning, by the provider computing system, a payment token associated with the payment account to the mobile wallet based on the decrypted network return address received from the initiating device by transmitting the payment token to the mobile device without going through the initiating device.

Abstract: A method of payment using rewards is provided. The method includes receiving a payment amount from a customer's mobile device; sending selectable payment options to the mobile device based on an amount of rewards points available in a customer rewards account and an amount of credit available in a customer account, the selectable payment options including an option to redeem a portion of the amount of rewards points available to fund a first portion of the payment amount and using a portion of the amount of credit available to fund a second portion of the payment amount; receiving a customer selection of the option; generating a single form of payment in the form of at least one of a quick response (QR) code, a bar code, or a near-field communication (NFC) transmission; and transmitting the single form of payment to the mobile device for providing to a merchant.

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 an issuer computing system includes receiving identification information for a customer from a retailer computing system. The customer is pre-approved for a payment account based on the identification information. A request to open the pre-approved payment account is received. Account registration information for opening the payment account and a mobile device identifier associated with the customer is received. The customer is approved for opening the payment account based on the account registration information. The payment account is established for the customer. Establishing the payment account includes generating a payment token for the payment account. In response to establishing the payment account, the payment token is automatically provisioned to a mobile wallet associated with the mobile device based on the mobile device identifier.

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, apparatus, and system of using a contactless card are disclosed. For example, a method of verifying at least a portion of manually entered user information using a contactless card is disclosed. The method includes receiving an application including manually-entered user information via one or more user inputs into a customer device, providing a request to verify at least a portion of the user information to the customer device, the request configured to cause the customer device to prompt the user to tap a contactless card to the customer device, based on a contactless communication between the contactless card and the customer device, receiving, from a third party computing system, an indication of that the portion of the user information and information stored by the third party computing system match, and approving the application for the new product or service based on the indication of the match.

Abstract: A computer implemented method includes: receiving, by the computing system, a transaction authorization request, the transaction authorization request including a plurality of transaction conditions, the transaction authorization request relating to a request for a payment from a user's payment account to a recipient; provisioning, by the computing system, a plurality of limited-use payment tokens, each of the limited use payment tokens structured to expire according to a transaction condition; discarding, by the computing system, at least one limited-use payment token based on a determination that the at least one limited-use token is expired; receiving, by the computing system upon completion of a transaction, a limited-use payment token from the plurality of limited-use payment tokens; and transmitting, by the computing system to the recipient, a payment corresponding to the received limited-use payment token.

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: 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 of authenticating a smart card with a mobile device is disclosed. The method includes receiving and underwriting a new payment card application at a card issuer computing system. Upon completing the underwriting process and approving the new payment card application, the card issuer computing system issues an enabling token to the mobile device, which allows the mobile device to complete transactions based on a new payment 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.