Abstract: Methods, systems, computer-readable media, and apparatuses for utilizing a secure identity element to facilitate transactions are presented. In some embodiments, a computing device may detect a payment device. Subsequently, the computing device may cause a payment credential to be displayed on the payment device, where the payment credential includes an image of an authorized user of the computing device. Thereafter, the computing device may receive, from the payment device, a request to complete a payment transaction. Responsive to receiving user input approving the payment transaction, the computing device may cause a payment to be made to an account associated with the payment device. In some embodiments, in receiving the request to complete the payment transaction, the computing device also may receive a photo credential for an authorized user of the payment device and/or an amount to be paid in the payment transaction, which can be displayed by the computing device.

Abstract: Methods, systems, computer-readable media, and apparatuses for providing a secure identity element are presented. In some embodiments, a computing device may authenticate a user of the computing device. Subsequently, the computing device may capture an image of the user, and further may store the image in a secure element. Then, responsive to receiving a request to provide a credential for a payment transaction, the computing device may cause the image from the secure element to be provided as the credential. In some instances, the image from the secure element may be provided as an identity credential for a payor in the transaction, while in other instances, the image from the secure element may be provided as an identity credential for a payee in the transaction.

Abstract: Devices, methods and computer program are defined that provide recommendations to users based on the user's personal financial management information and a benefit to the user. The personal financial management information may include a snapshot of the user's accounts, a timeline of the user's accounts, or a cash flow of the user's accounts. The benefit can be a financial benefit, such as a lower interest rate, or a non-financial benefit, such as an improved return policy. In a further embodiment, the recommendation is determined by crowdsourcing using a cohort of financial institution customers that share some characteristics with the user. As a result the user makes informed decisions on which payment type to use or other change for a future transaction at the merchant.