Abstract: A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.

Abstract: A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.

Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

Abstract: A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.

Abstract: A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: A mobile device, include: a location determination device; a mobile application; a plurality of wireless communication devices; and a user interface for the mobile application. The mobile device is coupled, via wireless connections, with a wearable device to capture identification information of the object, a remote portal to determine whether data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device; and if so, the mobile device generates an alert on the mobile device, and prompts the user to accept an operation related to the object. If the user accepts with operation, the mobile application is configured to monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: Systems and methods to process an authorization request related to mobile data stored by a mobile application in an account hosted on a server and accessed via an access token obtained via the mobile device during a registration session with a portal of an authorization processing system that stores an item associating with an account identifier. The access token is stored in a data warehouse in association with an account identifier registered during the registration session. In response to an authorization request containing the account identifier is determined by the authorization processing system to have satisfied a first set of conditions specified in the item associated with the account identifier, the portal is instructed to use the access token to communicate with the server to determine whether a second set of conditions identified by the item are met by the mobile data stored in the account hosted on the server that is separately operated from the authorization processing system.

Abstract: A point of sale device includes additional hardware, circuitry and instructions to enable additional functionality to allow the point of sale device to request a service at the location of the point of sale device. An input on the point of sale device may be used to request a service.

Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

Abstract: A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.

Abstract: Accounts are grouped via database connections to form account groups that can be used to efficiently track the propagation of resources or privileges. Virtual accounts can be grouped via non-replaceable connections, where each of the virtual accounts is limited for online transactions with a predefined website without a respective account identification device for presenting account identification information to a reader of a transaction terminal for offline transactions. A primary account in a non-replaceable group of virtual accounts may include (or be linked to) resources and/or privileges that can be propagated to the secondary accounts in the non-replaceable group. The primary account may be a virtual account, or a non-virtual account.

Abstract: One embodiment of the invention is directed to a method comprising, receiving, by a server computer, a request to establish a group identifier for a group. A group identifier is generated for the group. Group invitations to join the group are transmitted and group invitation responses are received. The method further comprises receiving, by the server computer, confirmations to share a group transaction. A plurality of messages are initiated, the plurality of messages corresponding to the plurality of confirmations, where the plurality of messages result in an initiation of a single message to a third-party, the third-party computer being configured to conduct the group transaction according the single message.

Abstract: A mobile device, include: a location determination device; a mobile application; a plurality of wireless communication devices; and a user interface for the mobile application. The mobile device is coupled, via wireless connections, with a wearable device to capture identification information of the object, a remote portal to determine whether data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device; and if so, the mobile device generates an alert on the mobile device, and prompts the user to accept an operation related to the object. If the user accepts with operation, the mobile application is configured to monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Abstract: Accounts are grouped in a database via replaceable connections and non-replaceable connections to form account groups that can be used to efficiently track the propagation of resources or privileges among users. Accounts that can be treated as a same account are linked or grouped via replaceable connections. Accounts having different ownerships are grouped via non-replaceable connections. The account groups created via the replaceable connections and non-replaceable connections can be used to track offer sharing and/or distribution from primary accounts to secondary accounts in respective account groups. For example, users of an offer propagation platform may split an offer into sub-offers and share sub-offers with others. Using replaceable and non-replaceable account groups the system can operate with the capability of supporting linked accounts in millions, allowing the offers to be propagated among users via sharing, redistribution and/or subdivision for improved usage.

Abstract: Systems and methods to process an authorization request related to mobile data stored by a mobile application in an account hosted on a server and accessed via an access token obtained via the mobile device during a registration session with a portal of an authorization processing system that stores an item associating with an account identifier. The access token is stored in a data warehouse in association with an account identifier registered during the registration session. In response to an authorization request containing the account identifier is determined by the authorization processing system to have satisfied a first set of conditions specified in the item associated with the account identifier, the portal is instructed to use the access token to communicate with the server to determine whether a second set of conditions identified by the item are met by the mobile data stored in the account hosted on the server that is separately operated from the authorization processing system.