Abstract: System, method, and computer program product are provided for a user to provide payment for a transaction via non-near field communications at the point-of-sale. Once a user enters a merchant, the user may purchase products from the merchant through a P2P mobile payment. The user may identify himself/herself on a mobile phone and access the P2P mobile payment system. The user then selects the merchant that he/she is purchasing from and the financial institution providing the user with a payment PIN. The PIN is a randomly generated numbers or letters set that the user inputs at the point-of-sale to provide payment for a transaction at the merchant. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience without having to disclose personal data such as an account number, routing number, or the like.

Abstract: A system and method for using a static or dynamically-generated alias to conduct financial transactions via a Near Field Communication Device at a merchant is provided. The system and method allows a user to provide an alias identifying the user in order to conduct transactions via a near field communication device without needing to transfer the user's account number. The method associates the alias with an account of the user. The alias may be a static alias or a dynamic alias. A dynamic alias is generated for a transaction based in part on a characteristic of the transaction. The method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether pre-determined rules are complied with and provide confirmation to the user and/or merchant that the transaction has completed.

Abstract: A pre-collections system identifies debtors when they contact a company for a new purchase. A customer service representative (or other automated process) takes payment for the prior debt in real time. The pre-collections system is tightly integrated with an order processing system. Order processing system channels (web site, IVR, CSR, etc.) are enabled to redirect the customer debtor into a corresponding pre-collections system channel. Customers are routed back seamlessly in real time to the point in the order processing system where they left off. The customer is re-instated immediately when their payment is cleared. The system keeps track of blacklisted customers. Logic determines whether to resubmit an item, reclaim a product or service or to immediately collect upon the debt.