Abstract: A method includes storing transaction data relating to a plurality of payment transactions. The payment transactions were all performed using a payment token. The payment token had been provisioned to a first mobile device. The method further includes downloading the stored transaction data to a second mobile device. The second mobile device is owned by an account holder. The account holder had been issued a payment account identified by a PAN (primary account number. The payment token had been associated with the PAN.

Abstract: A method includes communicating with a remote server computer via a first mobile device to receive in the first mobile device a payment token associated with a PAN (primary account number). The PAN identifies a payment account owned by a user of the first mobile device. The method further includes provisioning the payment token from the first mobile device to a second mobile device in proximity to the first mobile device. The provisioning includes transfer of data from the first mobile device to the second mobile device.

Abstract: A message is received from an organization. The message identifies an individual who is a member of the organization and a mobile device used by the identified individual. A payment token is provisioned to the identified mobile device. The payment token is associated with a primary account number (PAN) assigned to the organization.

Abstract: A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorised. The vending platform then provides an authorisation token for the vending machine transaction, allowing the vending machine to enable vending when the authorisation token has been received.

Abstract: The present disclosure tracks purchases and rewards for users of credit cards, debit cards or other trackable accounts. When a user is ready to purchase an item, such as an item at a retail store, a terminal at the store contacts a system for information concerning credit cards, debit cards and other accounts of the person. Information at the store discloses the category of the item and the price. The system then calculates potential rewards to the user, depending on the card or other account used to pay for the item. The user or the clerk at the store can then select a card or other account to pay for the item, e.g., a credit card or an account of the user with the store or seller of the item. A similar method can be used when purchasing on line, obtaining the price and checking for rewards.

Abstract: Disclosed herein is a method to guide savings opportunities provided through a financial institution to their customers. The method comprising: analyzing financial transactions of customers to identify financial usage patterns, comparing usage patterns to available savings opportunities, reviewing available savings opportunities, identifying which savings opportunities are to be offered through the financial institution to customers and which are to have restricted access and enabling offered savings opportunities and restricted access savings opportunities for customers through the financial institution.

Abstract: Disclosed herein is a method for financial institutions to provide value added services to customers while preserving security of customer financial information. The method comprising providing a single point of access to a centralized platform wherein the platform may host one or more financial applications, enabling the selection and configuration of the one or more financial applications, sharing anonymized customer financial information between the financial institution and the one or more financial applications via a single conduit, analyzing the financial information by the financial applications, receiving results from the one more financial applications via the single conduit and displaying the results to the customer.

Abstract: Disclosed herein is a method is provided for managing campaign effectiveness by a merchant. The method comprising: initiating a campaign by one or more merchants, accessing transaction data from one or more financial institutions, extracting metadata associated with the transaction data in accordance with at least one rule, analyzing the metadata to identify transaction data associated with the campaign and the one or more merchants, analyzing the transaction data associated with the campaign and the one or more merchants and providing information associated with the campaign to the merchant.

Abstract: Disclosed herein is a method of providing a user with one or more savings opportunities. The method comprising, gathering transaction data from a user's financial account, analyzing the transaction data for indications of savings opportunities, identifying savings opportunities from a database based on analysis and communicating the savings opportunities to the user.