A method of associating a first party and a second party is provided, the method comprising receiving a first electronic message comprising information indicative of the first party; generating a first electronic token in response to receiving the information indicative of the first party; sending the first electronic token to the first party; receiving one or more second electronic messages from the second party, the one or more second electronic messages comprising the first electronic token and information indicative of the second party; generating a second electronic token in response to receiving the first electronic token and the information indicative of the second party from the second party; associating the information indicative of the first party, the second party and the second electronic token, the first party being identified on the basis of the first electronic token, and sending the second electronic token to the first party.

In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

An identification system uses a local cache for performing identifications. An identity system device may store identity information and identification information. An electronic device stores a cache of a portion of the identity information and a part of the identification information. The electronic device receives user input, determines an identity by comparing the user input to the cached identification information (such as by comparing a received digital representation of a biometric with cached biometric identification information), and performs an action using information in the cached identity information that is associated with the identity. The electronic device may update the identity information stored by the identity system device based on the action.

Implementations include actions of receiving consumer-specific data and ID-specific data from an identification presented by a consumer to a vending machine, processing at least a portion of the ID-specific data to determine one or more of whether the identification is unexpired and whether the identification is authentic, and serving the consumer from the vending machine at least partially in response to determining that the identification is unexpired and that the identification is authentic and determining that the consumer is authentic relative to the identification.

Methods and systems disclosed herein related to analyzing the risk of an identity-based transaction and offering the identity-based transaction to a risk exchange. An identity-based transaction may be a transaction that is initiated with a digital identity, and an assertions model manager may provide assertions about the digital identity for completing the identity-based transaction. The assertions model manager may use the assertions and information about the identity-based transaction to analyze transaction risk. A risk score for the identity-based transaction can be calculated, and then the identity-based transaction may be offered on a risk exchange.

A method includes receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device; receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address; decrypting, by the provider computing system, the encrypted network return address using the encryption key; and providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

A payment support system includes a terminal ID acquisition processing unit, a position acquisition processing unit, an association processing unit, and a payment processing unit. The terminal ID acquisition processing unit acquires identification information of a user terminal of a user who entered a facility. The position acquisition processing unit acquires position information of the user terminal. The association processing unit stores the identification information acquired by the terminal ID acquisition processing unit and a use price of the facility of the user in a storage unit in association with each other. The payment processing unit executes a payment process of the use price when the user terminal is separated from a predetermined area of the facility by a predetermined distance or more after exiting the predetermined area.

A method includes: receiving or capturing an image comprising an identity document (ID) using a mobile device; classifying the ID; analyzing the ID based at least in part on the ID classification; determining at least some identifying information from the ID; at least one of building an ID profile and updating the ID profile, based at least in part on the analysis; providing at least one of the ID and the ID classification to a loan application workflow and/or a new financial account workflow; and driving at least a portion of the workflow based at least in part on the ID and the ID classification. Corresponding systems and computer program products are also disclosed.

A method and system for authenticating a user for conduct of a transaction initiated by the user via a data-enabled telephone capable of initiating telephone calls over a network and of engaging in two-way data communication with a data server, wherein the caller identification data is received at the server and the data is associated with a user and provides a basis for authentication of the user and is used to address a message to the user, the message contains a logon key for use by the user in accomplishing the transaction.