Abstract: Systems, methods, and apparatuses are described for an intelligent dashboard that allows interested parties to verify and validate relevant information on enterprises and their representatives. A servicing entity may provide an enterprise with a dashboard that includes select fields corresponding to information predicted to be useful to clients of the enterprise based on commercial characteristics of the enterprise and its client base. Fields may be populated with information previously available to the servicing entity, and with supplemental information acquired (manually or automatically) from the enterprise or from third party data sources. The enterprise may impose restrictions on which information is to be available to which clients, and the servicing entity may generate a code for use by clients to access the dashboard or certain information. The dashboard can allow clients to track the location of a representative and help validate the identify of a representative arriving at a client's location.

Abstract: Methods and systems of managing payment cards are disclosed. A computing system can receive, via a graphical user interface presented on a computing device, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant. The computing system can receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device. Based on the data corresponding to the point of sale device, the computing system can cause display, on the graphical user interface of the computing device, of an image selected according to the data.

Abstract: A method performed by a computing system includes generating an encryption key pair, providing a first encryption key of the encryption key pair to a mobile device of a user where the first encryption key is for generating a cryptogram for authentication of a transaction, receiving a transaction request associated with a rewards account of the user including the cryptogram, authenticating the transaction request as being provided by the mobile device of the user using a second encryption key of the encryption key pair and the cryptogram, determining a currency conversion value of a rewards balance where the currency conversion value is based on a multiplier that is activated based on a location of the mobile device, and determining that the currency conversion value of the rewards balance is sufficient to complete the transaction request.

Abstract: A method for initiating a provisioning of payment account information to a mobile wallet includes displaying, by an initiating device in communication with a provider computing system, a user interface configured to initiate the provisioning information regarding one or more payment accounts; receiving, by the initiating device via the user interface, authentication information to authenticate a user associated with the mobile wallet; receiving, by the initiating device from the provider computing system, account information for provisioning to the mobile wallet, the account information identifying eligible payment accounts retrieved by the provider computing system based on the authentication information; displaying, by the initiating device, a list of identifiers of the eligible payment accounts for provisioning; and receiving, by the initiating device via the user interface, a selection of an identifier of a payment account from the list for provisioning information regarding the payment account to the mob

Abstract: A mobile device includes a processor and a memory coupled to the processor. The memory has a client application including instructions executable by the processor to cause the processor to: receive a user input to access the client application; identify a first transaction card and a second transaction card held by the user, where the first transaction card is activated and the second transaction card is deactivated; present an interface to the user including a first depiction of the first transaction card and a second depiction of the second transaction card, where the second depiction includes a contrasting aspect relative to the first depiction; and receive an input to activate the second transaction card thereby (i) tokenizing the second transaction card and (ii) reducing or removing the contrasting aspect of the second depiction to indicate an activation of the second transaction card.

Abstract: A method performed by a provider computing system includes receiving a payment request from a merchant computing system for a transaction between a merchant and a customer where the payment request a first amount associated with the transaction, determining a currency conversion value for the number of rewards points based on a merchant multiplier that is activated based on a location of the customer, determining the number of rewards points in the rewards account is not enough to cover the first amount associated with the transaction, transmitting to the merchant computing system a partial authorization message, receiving a modification to the payment request comprising a second amount associated with the transaction, and transmitting an approval message to the merchant computing system based on the number of rewards points in the rewards account being sufficient to cover the second amount.

Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.

Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

Abstract: A method for initiating a provisioning of a payment account to a mobile wallet includes generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts; receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning; displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts provisioning; and receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.

Abstract: A method includes receiving a payment request for a transaction between a merchant and a customer. The payment request includes a payment token and an amount of the transaction in currency. The rewards account stores a number of rewards points. The method includes authenticating the payment request. The method includes determining a currency conversion value for the rewards points. The currency conversion value is based on a conversion rate and a merchant multiplier. The method includes determining the number of rewards points is not enough to cover the transaction. The method includes identifying a secondary payment source that contains sufficient funds to cover a remaining balance of the transaction. The method includes transmitting an approval message to a merchant computing system.

Abstract: A method performed by a computing system includes determining that the mobile device is at the merchant location based on a comparison of a location of a mobile device of a user with a merchant location of a merchant, determining that the merchant participates in a rewards promotion, receiving a transaction request associated with a rewards account of the user, activating the rewards promotion based on the determination that the mobile device is at the merchant location and the determination that the merchant participates in the rewards promotion, determining a value of a rewards balance based on the activated rewards promotion, and determining that the value of the rewards balance based on the activated rewards promotion is sufficient to complete the transaction request.

Abstract: A mobile device comprising a processor and a memory coupled to the processor, the memory having a client application, the client application including instructions executable by the processor that are structured to cause the processor to receive a user input to access the client application; identify a first transaction card and a second transaction card held by the user, wherein the first transaction card is activated and the second transaction card is deactivated; present an interface to the user including a first depiction of the first transaction card and a second depiction of the second transaction card, wherein the second depiction includes a contrasting aspect relative to the first depiction; and receive an input to activate the second transaction card thereby (i) tokenizing the second transaction card and (ii) reducing or removing the contrasting aspect of the second depiction to indicate an activation of the second transaction card.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to identify that an attempted electronic transaction involving a merchant and a payment card of a user is an out-of-pattern transaction. The processing unit is further configured to generate a proposed card control rule responsive to identifying the out-of-pattern transaction and transmit the card control rule to a card control dashboard. The processing unit is further configured to receive a user input via the card control dashboard to activate or deactivate the proposed card control rule. Activating the card control rule restricts subsequent electronic transactions that violate the activated card control rule.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: A system includes processors configured to: determine that a transaction history of a user is inconsistent with transaction histories of other users; create a payment control user profile including payment control rules for determining whether to allow or restrict transactions associated with the user; present a user interface including information associated with the payment control user profile and a payment control rule; receive selections from the user to update the payment control user profile and the payment control rule; modify the payment control user profile and the payment control rule based upon the selections; identify a location of a user device associated with the payment control user profile; determine that a current transaction of the user violates the modified payment control rule based on the location of the user device; and send an alert to the user device to indicate the current transaction violates the modified payment control rule.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: A mobile device includes a processing circuit having a processor and a memory. The memory stores instructions that, when executed by the processor, cause the processing circuit to receive an inactive payment token associated with a payment card; transmit a proximity notification to an automated teller machine (ATM) when the mobile device is proximate the ATM; receive a notification from the ATM prompting the customer to activate the inactive payment token via the ATM in response to the proximity notification and a determination by the ATM that the inactive payment token is inactive; establish a short-range communication session with the ATM; provide authentication information to the ATM; receive an indication of a change in status of the inactive payment token to active from the ATM based on the customer being authenticated using the authentication information; and update the status of the inactive payment token from inactive to active.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: Systems, methods, and computer-readable storage medium for managing tokens are provided. A method includes: receiving, by a token management system from a user device, a token command from a user associated with a target token; determining, by the token management system, an entity of a plurality of entities associated with the target token, where each of the plurality of entities is associated with a separate entity computing system that stores at least one token of a plurality of tokens, and where each of the plurality of tokens is registered with the token management system and associated with the user, in response to determining the target token is managed by the entity, transmitting, by the token management system, the token command to an entity computing system of the entity; and receiving and storing, by the token management system, an updated token from the entity computing system based on the token command.