Abstract: Mobile payments and processing data related to electronic transactions. A near field communication connection is established between a mobile communication device of a consumer that serves as a mobile wallet and an electronic payment device of a merchant. Authorization data is shared between the mobile communication device and the electronic payment device without providing electronic payment instrument (e.g. credit card) data to the merchant. Authorization data is transmitted from the mobile communication device to a cloud computer or resource that serves as a cloud wallet and hosts respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device a payment processor computer. The payment processor computer presents the authorization data to the cloud wallet, and in response, the cloud wallet transmits the credit card data to the payment processor computer, which processes the transaction.

Abstract: Systems, computerized methods and computer program products for alerting consumers during on-line transactions. A consumer utilizes a browser executing on a computer to begin an on-line transaction. An add-on such as a plug-in to the browser detects that the consumer has begun an on-line transaction. The add-on accesses an account of the consumer hosted by a financial management system and compares alert criteria and data of the on-line transaction and before the on-line transaction is completed, generates an alert that is displayed to the consumer if execution of the on-line transaction would generate a pre-determined result relative to the alert criteria, e.g., if the transaction causes the consumer to go over budget or a bank account balance would drop below a certain level. The alert can be a passive notification or an active alert that invokes a waiting or cooling off period or prevents the consumer from completing the transaction.

Abstract: Mobile payments and processing data related to electronic transactions. A near field communication connection is established between a mobile communication device of a consumer that serves as a mobile wallet and an electronic payment device of a merchant. Authorization data is shared between the mobile communication device and the electronic payment device without providing electronic payment instrument (e.g. credit card) data to the merchant. Authorization data is transmitted from the mobile communication device to a cloud computer or resource that serves as a cloud wallet and hosts respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device a payment processor computer. The payment processor computer presents the authorization data to the cloud wallet, and in response, the cloud wallet transmits the credit card data to the payment processor computer, which processes the transaction.