Mobile wallet systems and methods

A mobile device comprising:

• a processing circuit comprising a processor coupled to a memory storing a mobile wallet client application, the processing circuit configured to perform operations comprising:
• receiving a device token and a customer token from a mobile wallet computer system, the device token structured to identify the mobile device and a first mobile wallet session to the mobile wallet computer system, and the customer token structured to identify a user to the mobile wallet computer system;
• receiving an indication to access the mobile wallet client application associated with the mobile wallet computer system from the user;
• transmitting the device token and the customer token to the mobile wallet computer system based on receiving the indication;
• receiving, from the mobile wallet computer system, an authorization decision to enable access to the mobile wallet client application based at least in part on the transmitted device token and customer token;
• enabling, by the mobile wallet client application, access to the mobile wallet client application during the first mobile wallet session based on the authorization decision;
• receiving a second device token from the mobile wallet computer system, the second device token structured to identify the mobile device and a second mobile wallet session;
• transmitting, by the mobile wallet client application during the first mobile wallet session, a fund request to the mobile wallet computer system in response to receiving an input from the user regarding a transaction between the user and a merchant;
• receiving, by the mobile wallet client application during the first mobile wallet session, an identification number from the mobile wallet computer system, the identification number associated with a payment account for the transaction, the identification number generated by the mobile wallet computer system in response to receiving the fund request from the mobile device;
• receiving, by the mobile wallet client application via the generated user interface during the first mobile wallet session, a security code from the user;
• generating, by the mobile device during the first mobile wallet session, an optical code comprising the identification number;
• providing, by the mobile wallet client application via the generated user interface displayed on the mobile device during the first mobile wallet session, the optical code to the merchant;
• and
• receiving, by the mobile wallet client application via the mobile device during the first mobile wallet session, an approval from a card network computer system for the transaction.