Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

Abstract: A method including: receiving an indication of a transaction authorization of a temporary pending transaction of a financial account associated with a user; receiving receipt data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining a first posted transaction that corresponds to the pending transaction, the first transaction not being posted based on the pending transaction; and in response to the determining, storing the data indicative of the receipt in correspondence with the first posted transaction.

Abstract: A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.

Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

Abstract: A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.

Abstract: A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.

Abstract: A system and method for providing a financial product using customer product criteria are provided. The method provides for providing a financial product to a customer. The method includes receiving a customer profile associated with a customer. The customer profile has customer preferences and customer personal information. The method also includes obtaining customer credit information using the customer personal information. The method further includes generating customer product criteria using the customer profile. The method additionally includes providing the customer credit information and the customer profile to one or more financial institutions. The method also includes receiving one or more financial products from the one or more financial institutions. The method further includes matching the customer with one or more financial products by comparing the one or more financial products to the customer product criteria.

Abstract: A system and method in accordance with example embodiments may include systems and methods for calculating rewards, which may include, receiving account holder data, parsing the account holder data for transformation and loading purposes; receiving new financial account data from financial institutions, where a new financial account may be, for example, a credit card account, and new financial account data may include, for example, the terms and conditions associated with the financial account, fees associated with the financial account, and/or deals, benefits, rewards, and/or promotions associated with the financial account; determining spend categories based on the new financial account data; determining account holder customizations; determining seasonal trends associated with the account holder data; and determining an optimal new financial account based on the account holder data, new financial account data, spend categories, seasonal trends, and/or account holder customizations.

Abstract: Systems and methods are disclosed that provide credit card account switching processes. In certain embodiments, a card switch system is disclosed to automate or near-automate one or more processes for effectuating the switch of a credit card account from one card carrier to another. The system is configured to receive an indication to switch credit card accounts for a customer. Further, the system receives user cardholder data associated with at least one of the customer, the previous credit card account, or the new credit card account. The system is configured to identify, based on the received cardholder data, account information associated with the previous credit card account to associate with the new credit card account. Finally, the system is configured to transfer the identified account information to a system associated with the new credit card account.

Abstract: A system and method for providing real time financial product matching is disclosed. In one embodiment, the real time financial product matching system may store one or more financial product data records. Each financial product data record may be associated with a financial product. The real time financial product matching system may receive a customer data record associated with a customer, the customer data record including a customer preference related to financial products. The real time financial product matching system may then match the customer with one or more financial products in real time by comparing the customer data record to the one or more financial product data records. And, the real time financial product matching system may present the matched one or more financial products to the customer in real time.

Abstract: A system and method for providing real time financial product matching is disclosed. In one embodiment, the real time financial product matching system may store one or more financial product data records. Each financial product data record may be associated with a financial product. The real time financial product matching system may receive a customer data record associated with a customer, the customer data record including a customer preference related to financial products. The real time financial product matching system may then match the customer with one or more financial products in real time by comparing the customer data record to the one or more financial product data records. And, the real time financial product matching system may present the matched one or more financial products to the customer in real time.