Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing.

Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.

Abstract: The disclosed system and method use specific computer based components to deliver communications determined by an algorithm to be effective to users based on previously accumulated data where the communication is targeted to a user for a future purchase at a different location.

Abstract: According to one embodiment of the invention, a method for determining a personal identifier corresponding to an alias is provided. The method comprises receiving a request to provide a resource, the resource being provided from an originating party to an alias representing a receiving party. The method further comprises transmitting an inquiry for a personal identifier corresponding to the alias to a plurality of remote computers, interacting with the plurality of remote computers to provide the personal identifier corresponding to the alias, and selecting a remote computer from the plurality of remote computers using selection criteria. The method further comprises requesting the personal identifier from the selected remote computer, and receiving the personal identifier from the remote computer.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing.

Abstract: This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing. The advertising campaign is published across multiple communication channels and focuses on the merchant's identity in at least one of the communication channels and specific products sold by the merchant in at least one other communication channel.

Abstract: A system and method for administering a value vault is described herein. In one embodiment, the system includes a communication interface; a database having stored therein information regarding a plurality of value programs associated with a plurality of merchants; and a system configured to receive a request from one of the plurality of merchants via the communication interface, and make available at least one or more of the value programs associated with the merchants to obtain the item.

Abstract: Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).

Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.

Abstract: A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile phone number associated with a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing a mobile account associated with the mobile phone number based on the personal identification component; and depositing the amount into the mobile account. According to example embodiments, the system may include a communication module, a mobile remittance module, a payment processor, a mobile accounts module, an agent management module, and a mobile transfer module.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing. The advertising campaign is published across multiple communication channels and focuses on the merchant's identity in at least one of the communication channels and specific products sold by the merchant in at least one other communication channel.

Abstract: One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.

Abstract: There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated with a sender to a receiver; receiving a visual or audio identification of the receiver from the sender for the remittance transaction; and transmitting the generated remittance transaction, the received identification and the funds associated with the remittance transaction to a disbursement agent to selectively disburse funds to the receiver if the identification of the receiver matches the receiver.

Abstract: This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing.

Abstract: There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated with a sender to a receiver; receiving a visual or audio identification of the receiver from the sender for the remittance transaction; and transmitting the generated remittance transaction, the received identification and the funds associated with the remittance transaction to a disbursement agent to selectively disburse funds to the receiver if the identification of the receiver matches the receiver.

Abstract: One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.