Abstract: Systems and methods for sharing financial accounts via a mobile wallet system are described. The mobile wallet system allows for a master wallet associated with a primary account holder to provide limited access to an account of the primary account holder to secondary users. The primary account holder can limit a secondary user's level of access to the funds in the account by establishing spending rules and limits for each secondary user. The rules and limits restrict the secondary users' abilities to spend funds in the account. The rule and limit types include spending limits, types of goods and services restrictions, store specific restrictions, purpose of purchase rules, purchase timing rules, geographic restrictions, group purchase rules.

Abstract: A computer-implemented method includes receiving a request for a financial transaction between a mobile wallet of a user and a merchant; generating a displayable and scannable transaction code; sending the transaction code to one of a mobile device or the merchant for the other of the mobile device and the merchant to scan to request a transfer of funds from the mobile wallet of the user to the merchant; generating a verification request to confirm the information included in a transfer request; receiving a verification response confirming the information included in the transfer request; and transferring funds to the merchant upon receiving the verification response.

Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.

Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.

Abstract: A computer-implemented method includes displaying, by a mobile wallet device, a selection interface on a user interface of the mobile wallet device. The selection interface includes: a first selection option, wherein in response to a user interacting with the first selection option via the user interface, the user interface displays a code capture interface allowing the user to capture a product code that identifies a product; and, a second selection option, wherein in response to the user interacting with the second selection option via the user interface, the user interface displays a product capture interface allowing the user to capture a product image of the product. The method includes: transferring, by the mobile wallet device, a payment for the product to a merchant from an account associated with the user; and responsive to transferring the payment, deactivating, by the mobile wallet device, a product security tag associated with the product.

Abstract: A computer-implemented system and method that includes authenticating a mobile device of a user, receiving an image from the mobile device of the user comprising a picture of a product, sending the image to an image search engine to identify the product displayed in the picture, assigning a product identifier to the identified product from the picture, requesting a confirmation from the user that the assigned product identifier corresponds to the product, upon receiving confirmation from the user, generating a product comparison screen including merchants and purchase options for a product corresponding to the product identifier, receiving a user input selection of a merchant and product purchase option from the mobile device of the user, transferring a payment for the product to the selected merchant from an account held by the user based on the merchant and product purchase option information received from the mobile device of the user.

Abstract: One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.

Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface to a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

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 system and method includes determining the locations of a user of a mobile device and a merchant, comparing the locations to ensure a match, receiving from the user's mobile device an identification number associated with the user's stored value card, receiving an identifier generated by a financial institution, the identifier being embedded in a code displayable on the mobile device, and transmitting an indication that the transaction has been completed, the transaction being completed based on the identifier and based on the match. The method may further include determining and informing the user that a stored value card may be used at the merchant located within a first predetermined distance. A non-optical code, such as a radio frequency (RF) input, may be generated and provided to the merchant via the mobile device to identify the stored value card.

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 system and method includes determining the location of a user and the location of a merchant, comparing the locations to ensure a match, receiving an identifier embedded in a code provided by a user's mobile device and having a token for sending funds generated by a computer processor of a financial institution and provided to the mobile device, and, based at least on the identifier, transmitting an indication that a transaction has been completed.

Abstract: A mobile device is configured to receive a first receipt pertaining to a first mobile wallet transaction of a user, the first receipt being a digital receipt and receive information pertaining to a plurality of transactions of the user. The mobile device is also configured to capture an image of a second receipt pertaining to the second mobile wallet transaction of the user, the second receipt being a physical receipt. The mobile device is also configured to generate an image of the first receipt of the use and extract identifying information regarding the first and second mobile wallet transactions from the first and second images, identify the first and second mobile wallet transactions within the plurality of transactions based on information extracted from the images of the first and second receipts, and associate the images of the first and second receipts with the first and second mobile wallet transactions.

Abstract: A method of tracking mobile wallet transaction receipts is provided. The method includes: associating an email address with a mobile wallet, the mobile wallet storing information corresponding to a plurality of mobile wallet transactions; accessing an email inbox associated with the email address, the email inbox containing a plurality of emails received at the email address; identifying, in the email inbox, a receipt email containing a receipt; forwarding the receipt email to a mobile wallet email inbox associated with the mobile wallet; determining receipt information from the receipt; and associating the receipt with one or more of the plurality of mobile wallet transactions based on the receipt information.

Abstract: A method for receipt tracking performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting, by a receipt tracker of the mobile wallet computer system, identifying information from the receipt; sorting, by the mobile wallet computer system, the identifying information; generating, by the mobile wallet computer system, a user-specific offer based on the sorted identifying information; and providing, by the mobile wallet computer system, the user-specific offer to a mobile device of the user.

Abstract: A computer-implemented method includes receiving, by a merchant computer system associated with a merchant, a token provided by a mobile device to a point of sale (POS) device. The token identifies a transaction between the merchant and a payor. The method also includes determining, by the merchant computer system, that the transaction is a refund transaction based on the token. The method also includes determining, by the merchant computer system, a previously used token based on the token. The previously used token is associated with the transaction. The method also includes transmitting, by the merchant computer system, the previously used token to a recipient bank computer system. The method also includes receiving, by the merchant computer system, an approval or decline message for the refund transaction. The method also includes transmitting, by the merchant computer system, the approval or decline message to the POS device.

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 system and method that includes receiving, by a messaging hub, a code and a transaction amount from a recipient and determining, by the messaging hub, based at least partially on the code, an account number for a credit card held by a user. The system and method may include receiving, by the messaging hub, funds equaling the transaction amount from the credit card and depositing the funds in an account held by the messaging hub, the funds being received via a four-party credit card transaction in which the messaging hub operates as a merchant and sending the funds from the account held by the messaging hub to an account held by the recipient.

Abstract: A computer-implemented method that includes receiving, by a merchant computer system, an indication of a refund for a previous mobile wallet transaction. The method includes determining, by the merchant computer system, a previously used token based on the indication, the previously used token identifying a previous transaction as transferring funds to a merchant associated with the merchant computer system from a payor. The method includes determining, by the merchant computer system, a transaction amount for the previous transaction using the previously used token. The method includes transmitting, by the merchant computer system, the previously used token and the transaction amount to a recipient bank computer system. The method includes receiving, by the merchant computer system, an approval or decline indicator for the refund transaction from the recipient bank computer system. The method includes transmitting, by the merchant computer system, the approval or decline indicator to a Point of Sale device.

Abstract: A system includes network interface logic configured to receive offers from merchants, an offer engine configured to determine an offer from the offers to present on a mobile device based on a characteristic of a user of the mobile device, and a code generator configured to generate a code and embed information in the code. The network interface logic is configured to receive, from the mobile device, a request for the code to provide to a merchant associated with the offer, send the code to the mobile device for the merchant to receive at a point of sale, and receive a request for funds from the merchant that includes an amount of a transaction in accordance with the offer. The system also includes account processing logic configured to send the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device.