Abstract: A system includes a processing circuit configured to receive, from a first instance of a mobile wallet application associated with a primary account holder, a request to add a secondary user to an account, receive information relating to the secondary user, receive a restriction to define the secondary user's ability to spend funds from the account based on being a threshold distance from a second computing device, enable the secondary user to download, at a user computing device, a second instance of the mobile wallet application, where the second instance of the mobile wallet application is structured to gather location data associated with the user computing device, and the location data is used to allow a transaction based the user computing device being within the threshold distance, and authorize a purchase request by the secondary user with funds from the account based on the purchase request complying with the restriction.

Abstract: A system, computer-implemented method, and computer-readable storage media for using a client application. A method can include receiving an image from a mobile device based on receiving a first user selection of an image capture function element displayed via the client application on a mobile device and a subsequent capturing of the image by the mobile device. The image may include a code. The method can further include determining a product associated with the code. The method can further include receiving a second user selection and a product purchase option. The method can further include in response to receiving the product purchase option, transferring a payment for the product to a merchant from an account based on information associated with the merchant and the product purchase option. The method can further include causing the client application to display a purchase confirmation.

Abstract: A method includes: receiving a request for a transaction between a user and a third party; generating a displayable and scannable transaction code, the transaction code embedding a transaction identification number unique to the transaction and a location of one of the user or the third party; sending the transaction code to one of the user or the third party for the other of the user and the third party to scan to request a transfer of funds from an account of the user to the third party; receiving a transfer request to transfer funds from the account of the user to the third party, the transfer request including the transaction code and information related to a transaction amount for transferring to the third party; and generating a verification request to confirm the information related to the transaction.

Abstract: A mobile device includes a processing circuit that is configured to perform operations including enabling access to a client application during a first session based on a first device token identifying the first session and the mobile device and a customer token identifying a user and receiving a second device token from the computing system during the first session. The second device token identifies the mobile device and a second session. The operations further include receiving, during the first session, an identifier from the computing system. The identifier is associated with the user and generated by the computing system in response to a request from the mobile device. The operations further include receiving, via the mobile device during the first session and based on a comparison of the received identifier with an existing identifier, an approval for the request.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: A computer-implemented includes: causing a first interface to be displayed by a mobile device that includes a first selection option; causing a second interface to be displayed by the mobile device that displays an image capture interface; receiving an image from the mobile device based on receiving a second user selection of an image capture function element displayed on the second interface; determining a product associated with a code; receiving a third user selection of the product and a product purchase option associated with the product; transferring a payment for the product to a merchant associated with the product from an account based on information associated with the merchant and the product purchase option; and causing a third interface to be displayed by the mobile device that includes a purchase confirmation that includes order details regarding the product and the product purchase option.

Abstract: A computer system includes one or more processors coupled to one or more memory devices containing computer-executable instructions which, when executed by the one or more processors, are configured to cause the computer system to: receive information related to a redemption opportunity; receive information related to a user profile of a user; detect a geographic location of a mobile device running a mobile wallet of the user; and generate, on the mobile device of the user based on the mobile device of the user being within a predetermined distance of a merchant and the user profile of the user, an alert that is displayed by the mobile device, wherein the alert includes a message comprising an image overlaid on a map indicating the geographic location of the merchant relative to the detected geographic location of the mobile device.

Abstract: As disclosed, a processor is configured to receive information relating to an account user and a restriction relating to the account user's ability to spend funds from an account. Based on the information relating to the account user, the processor generates an electronic message comprising a link structured to allow the account user to download, at a user computing device, an instance of a mobile wallet application, wherein the instance of the mobile wallet application is structured to gather location data from at least one of a Bluetooth device interfacing with the user computing device, a WiFi device interfacing with the user computing device, and an application provided to the user computing device, and wherein the location data is used to allow a transaction based on a determination that the user computing device is within a threshold distance from a second computing device.

Abstract: A method for receipt tracking performed by one or more processors of a mobile wallet computer system includes receiving a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting a first portion of identifying information from the receipt; receiving, via a user input, a second portion of identifying information to at least one of supplement or correct the extracted first portion of identifying information; updating a record associated with the receipt based on the received second portion and the first portion of identifying information; storing the updated record in a transaction database; and sorting records of previous transactions including the mobile wallet transaction stored in the transaction database.

Abstract: A mobile device includes a processing circuit to perform operations including transmitting a device token and a customer token to a computing system, the device token identifying the mobile device and a first session of a client application, the customer token identifying a user. The operations can include enabling access to the client application during the first session based on the device token and the customer token and receiving a second device token, the second device token identifying the mobile device and a second session. The operations can include receiving, during the first session, an identification number associated with an account of the user for a transaction, the identification number generated in response to a fund request from the mobile device. The operations can include providing a user interface displayed on the mobile device during the first session and receiving during the first session, an approval for the transaction.

Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: A method includes: providing a mobile wallet on a mobile device of a user; generating a customer token regarding the user; generating a device token regarding the mobile device; encrypting and sending the customer token and the device token; receiving a user credential associated with a second institution; accessing information regarding an account of the user at the second institution; automatically provisioning the account to the mobile wallet; providing tokenized account information associated with the provisioned account to the mobile wallet; receiving an input of a login credential associated with the first institution; receiving an indication of an initiation of a mobile wallet transaction; validating and identifying the user based on the received login credential and the customer token; validating the mobile wallet of the mobile device based on the device token; and transferring funds from the provisioned account to a recipient as part of the mobile wallet transaction.

Abstract: A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.

Abstract: A computer-implemented method performed by one or more processors of a computer system is provided. The computer-implemented method includes: determining, by one or more processors of a computer system, an offer to provide to a mobile device of a user; generating, by augmented reality logic, an overlay display configured to overlay an image displayed on the mobile device, the overlay display providing additional information related to the offer to the user; generating, by the one or more processors, an offer code for the mobile device of the user for providing to a third party; and sending, by the one or more processors, the offer code to the mobile device.

Abstract: A computer-implemented method performed by a computer system includes receiving a payment token generated for a mobile wallet transaction between a payor and a merchant from a mobile device of the payor where the payment token is displayed on a POS (Point of Sale) device of the merchant and scanned by the mobile device as part of the mobile wallet transaction, determining, based on a payment token, an issuing financial institution and an account number corresponding to a payor account of the payor at the issuing financial institution, and initiating a transfer of funds from the payor account at the issuing financial institution to a merchant account held by the merchant at a recipient financial institution.

Abstract: A computer-implemented method includes: receiving a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user; determining a location of the mobile device; receiving transaction information from a merchant computer system associated with the merchant; determining a location of a merchant point-of-sale device in communication with the mobile device; comparing the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device; generating a transaction code; transmitting the transaction code to the mobile device; transferring funds from an account of the user to a merchant account; and, transmitting an indication that the mobile wallet transaction has been completed to the mobile device.

Abstract: A mobile device communicatively coupled to a computer system is provided. The mobile device includes an application configured to facilitate communication with the computer system, and further configured to: generate a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction; provide the displayable and scannable code to a computing system; and receive, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.