Abstract: In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.

Abstract: In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.

Abstract: In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services. A time corresponding to a determination of the physical location of the mobile device is accessed. A date corresponding to a determination of the physical location of the mobile device is accessed. Biometrics of the user of the mobile device is accessed. Biometric security of the single native mobile application is provided based on the physical location, the time corresponding to a determination of the physical location of said mobile device, the date corresponding to a determination of the physical location of the mobile device, and the biometrics of the user.

Abstract: In a computer-implemented method for providing mobile loyalty services via a native mobile application, mobile payment is provided via a mobile device through a native mobile application of the mobile device, wherein the native mobile application is provided by a single party. Mobile marketing is provided to a user of the mobile device by the native mobile application. Security of the mobile payment is provided by the mobile native mobile application.

Abstract: In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services. A time corresponding to a determination of the physical location of the mobile device is accessed. A date corresponding to a determination of the physical location of the mobile device is accessed. Biometrics of the user of the mobile device is accessed. Biometric security of the single native mobile application is provided based on the physical location, the time corresponding to a determination of the physical location of said mobile device, the date corresponding to a determination of the physical location of the mobile device, and the biometrics of the user.

Abstract: In a computer-implemented method for enhancing revenue by driving credit account purchases through a single native mobile application browsing of retail items is enabled via the single native mobile application executing on a mobile device, wherein the browsing is not required to be web-based browsing, and wherein the single native mobile application is provided by a party. Multi-tender payment for the retail items are provided. Mobile marketing is provided to a user of the mobile device by the single native mobile application, wherein the mobile marketing indicates that additional loyalty rewards will be earned if the retail items are purchased by a credit account issued by the party.

Abstract: In a non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a mobile device to perform a method for providing mobile loyalty services via a single native mobile application. The method comprises enabling browsing of retail items of a first party via the single native mobile application executing on the mobile device, wherein the browsing is not required to be web-based browsing, and wherein the native mobile application is provided by a second party. Mobile payment for the retail items are provided via the single native mobile application. Mobile marketing is provided to a user of the mobile device by the single native mobile application.

Abstract: A system and method for private label account number protection is described. A method receives, at a retail computing system, a private label credit account number being proffered to make a private label credit purchase. A request for authorization for the purchase is provided from the retail computing system to a private label credit account provider over a dedicated connection between the retail computing system and the private label credit account provider. The retail computing system receives an authorization token from the credit account provider and stores the authorization token in place of the private label credit account number.

Abstract: In a computer-implemented method for providing mobile loyalty services via a native mobile application, mobile payment is provided via a mobile device through a native mobile application of the mobile device, wherein the native mobile application is provided by a single party. Mobile marketing is provided to a user of the mobile device by the native mobile application. Security of the mobile payment is provided by the mobile native mobile application.

Abstract: In a non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a mobile device to perform a method for providing mobile loyalty services via a single native mobile application. The method comprises enabling browsing of retail items of a first party via the single native mobile application executing on the mobile device, wherein the browsing is not required to be web-based browsing, and wherein the native mobile application is provided by a second party. Mobile payment for the retail items are provided via the single native mobile application. Mobile marketing is provided to a user of the mobile device by the single native mobile application.

Abstract: In a computer-implemented method for providing mobile loyalty services in a geo-fencing area via a native mobile application a location of a mobile device is determined in a geo-fencing area via a native mobile application executing on the mobile device. Mobile payment is provided via the mobile device through the native mobile application. Mobile marketing is provided at the mobile device by the native mobile application, wherein the mobile marketing is based on the location of the mobile device in the geo-fencing area.

Abstract: In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services. A time corresponding to a determination of the physical location of the mobile device is accessed. A date corresponding to a determination of the physical location of the mobile device is accessed. Biometrics of the user of the mobile device is accessed. Biometric security of the single native mobile application is provided based on the physical location, the time corresponding to a determination of the physical location of said mobile device, the dare corresponding to a determination of the physical location of the mobile device, and the biometrics of the user.

Abstract: In a computer-implemented method for enhancing revenue by driving credit account purchases through a single native mobile application browsing of retail items is enabled via the single native mobile application executing on a mobile device, wherein the browsing is not required to be web-based browsing, and wherein the single native mobile application is provided by a party. Multi-tender payment for the retail items are provided. Mobile marketing is provided to a user of the mobile device by the single native mobile application, wherein the mobile marketing indicates that additional loyalty rewards will be earned if the retail items are purchased by a credit account issued by the party.