Abstract: A method for performing payment transactions includes obtaining payor or payee information for a social media payment transaction and using the payor or payee information in a funds payment transaction on another system. Other systems, apparatuses, and methods are also described.

Abstract: A payer user device includes a near field communication transceiver and a digital payment application configured to detect, via the near field communication transceiver, one or more nearby payee user devices, receive, via the near field communication transceiver, an anonymous tokenized identifier and an alias of a payee user device of the one or more nearby payee user devices that provides a provider computing system information to identify an anonymous account associated with one or more of the nearby payee user devices where the anonymous tokenized identifier and the alias enable a user associated with the anonymous account to maintain anonymity with a user of the payer user device, and add the anonymous tokenized identifier to a stored list of payees on the payer user device where the anonymous tokenized identifier enables the payer user device to provide the anonymous tokenized identifier to the provider computing system for a payment.

Abstract: Systems and methods for establishing a pull payment relationship are disclosed. A method includes: generating, by a computing system, a transaction code associated with a payee; receiving, by the computing system and from a user device associated with a payor, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during a contact or a near-contact event; establishing, by the computing system, a payment relationship between the payee and the payor responsive to receiving the transaction codes from the user device associated with the payor; receiving, by the computing system, a payment request; determining, by the computing system, that the received transaction codes contained in the payment request match the transaction codes of the payee and the payor stored by the computing system; and processing, by the computing system, the received payment request.

Abstract: Systems and methods include a payer user device including a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device, and a digital payment application that detects one or more payee user devices, receives a selection of a payee user device, receives a tokenized identifier that provides a provider computing system information to identify an account associated with a user of the payee user device, and adds the tokenized identifier to a stored list of payees on the payer user device.

Abstract: The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.

Abstract: The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.

Abstract: A method includes generating a transaction code associated with a payee; generating and providing a payee device token to a payee user device; receiving an indication of a contact or a near-contact event between the payee user device and a payor user device; receiving from the payor user device, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during the contact or near-contact event; establishing a payment relationship between the payee and the payor responsive to receiving the indication and the transaction codes from the payor user device; receiving a payment request; determining that the payment request originated from the user device identified by the payee device token, and that the received transaction codes contained in the payment request match stored transaction codes of the payee and the payor contained in a database; and processing the received payment request.

Abstract: Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.

Abstract: A method for performing payment transactions includes obtaining payor or payee information for a social media payment transaction and using the payor or payee information in a funds payment transaction on another system. Other systems, apparatuses, and methods are also described.

Abstract: Systems, methods, and apparatuses using a server system including a processor and memory having instructions stored in non-transitory machine-readable media. The server system is structured to couple to an account of a donor, receive financial history from the account, analyze a financial health of the donor based, at least in part, on the financial history, identify a topic of interest of the donor based, at least in part, on the financial history, recommend at least one of a plurality of charities to the donor based at least in part on the topic of interest of the donor, and recommend a donation amount to one of the plurality of charities based at least in part on the financial health of the donor.

Abstract: A method for incentivizing a payment method includes providing a first fee rate for processing a payment to a payee from a payer, wherein the first fee rate is contingent upon use of a first payment method, and a second fee rate for processing the payment, wherein the second fee rate is contingent upon use of the first payment method and includes an incentive amount based on the difference between the second fee rate and the first fee rate. The method also includes receiving a selection of the second fee rate and, based on the selection, providing an incentive offer to an account holder, wherein the incentive offer is redeemable upon use of the first payment method to initiate the payment, and wherein the value of the incentive offer is based at least in part on the incentive amount.

Abstract: Provided is an oven that includes an oven chamber with an oven wall that defines apertures through which the product passes to repeatedly enter and exit the oven chamber during treatment. A vestibule chamber is disposed adjacent to the oven wall and encloses a return air duct that draws in ambient air entering the vestibule chamber and the process gas entering the vestibule chamber from the oven chamber through at least one of the apertures in the oven wall. A nozzle is provided externally of the vestibule chamber and oven chamber in fluid communication with the return air duct. The nozzle receives gas drawn in by the return air duct and directs the combination generally toward at least one aperture formed in the vestibule chamber through which ambient air can enter the vestibule chamber to form an air curtain adjacent to the at least one aperture.

Abstract: Provided is an oven that includes an oven chamber through which a product passes to be treated. An oven wall defines apertures through which the product passes to repeatedly enter and exit the oven chamber during treatment. A vestibule chamber is disposed adjacent to the oven wall and encloses a return air duct that draws in ambient air entering the vestibule chamber and the process gas entering the vestibule chamber from the oven chamber through at least one of the apertures in the oven wall. A nozzle is provided externally of the vestibule chamber and oven chamber in fluid communication with the return air duct. The nozzle receives gas drawn in by the return air duct and directs the combination generally toward at least one aperture formed in the vestibule chamber through which ambient air can enter the vestibule chamber to form an air curtain adjacent to the at least one aperture.