A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface to a user of the mobile device for accessing a mobile online banking application; upon accessing the mobile online banking application, provide, by the display device, an option to a create a mobile wallet; responsive to receiving an indication to create the mobile wallet, provide, by the display device, a list of accounts held by the user; and receive a selection of at least one account from the list accounts to provision the at least one account to the mobile wallet for use in future mobile wallet transactions such that the at least one account from the list of accounts is auto-provisioned to the mobile wallet.

A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.

A computer-implemented method and system for facilitating a sending of a gift from a first machine to a second machine may include a processor of a computer server reviewing a first list of one or more names of people maintained in a computer database. The processor may review context information related to the one or more names to determine if a moment exists for sending a gift from a first machine to a second machine. Content providers may also request one or more gifts to be identified when a second machine is proximate to a content provider who may fulfill a gift.

A checkout system includes a mobile point-of-sale (POS) apparatus and a server. The mobile POS apparatus includes a code reader, a user interface, a display, a wireless communication interface, and a processor. The processor controls the wireless communication interface to transmit a product code read by the code reader and a settlement instruction based on a user operation on the user interface. The server is configured to generate a data record including the product code and transmit a settlement request to a settlement server upon receiving the settlement instruction. If a settlement non-completion response is received from the settlement server, the server stores transaction data including a first identifier indicating the settlement request and a second identifier indicating the transaction data in a database and causes the display of the mobile POS apparatus to display a code symbol representing the second identifier.

In accordance with an embodiment, an electronic device includes a secure element configured to implement a plurality of operating systems; and a near field communication module coupled to the secure element by a single bus and by a routing circuit configured to route routing data between the plurality of operating systems and a receive circuit of the near field communication module.

The subject technology provides a portion of the functionality of an application on an electronic device on which the application is not installed. The portion of the functionality of the application is provided by a clip of the application that can be obtained, installed, and launched on the user device, at the time the functionality is desired by a user, and without authenticating information for the user. The clip of the application can provide the user with access to a purchase function, an ordering function, or any other sub-function of the application. When the application itself is installed on the device, the clip of the application can be deleted while preserving access, by the application, to data generated on the device by the clip.

Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.

An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include billing SMS ordering.