Mobile wallet first time customer

A system, comprising:

• a mobile wallet database structured to store information pertaining to mobile wallets associated with a plurality of mobile wallet users;
• a network interface configured to communicate data to and from a user mobile device associated with a user and a plurality of third party computing systems;
• and
• a mobile wallet circuit, the mobile wallet circuit being communicatively coupled to the mobile wallet database and the network interface, the mobile wallet circuit structured to:
• receive, by the network interface, a request to register for a mobile wallet from a user mobile device;
• transmit, by the network interface, an information request to the user mobile device, the information request prompting the user to provide information;
• receive, by the network interface, user-input information from the user mobile device;
• determine that a user associated with the user mobile device has an account at a financial institution associated with the mobile wallet computing system based on the user-input information;
• retrieve information pertaining to the account from an account database, the information comprising a transaction history associated with the account;
• compare the transaction history associated with the account to transaction histories of a plurality of other mobile wallet users to identify a group of mobile wallet users that is similar to the user;
• identify a subset of services from a plurality of available services commonly used by the group of mobile wallet users based on mobile wallet usage data associated with the group of mobile wallet users, the subset of services configured to provide various functionalities within a mobile wallet client application;
• transmit, by the network interface, the mobile wallet client application including the plurality of available services to the user mobile device;
• generate user interface parameter instructions that cause presentation of mobile wallet interfaces specific to the identified subset of services;
• transmit, by the network interface, the user interface parameter instructions to the user mobile device, the user interface parameter instructions causing the user mobile device to selectively display a mobile wallet interface having a graphical depiction of at least one service from the identified subset of services;
• receive, by the network interface, an activity dataset for a mobile wallet session of the user, the activity dataset identifying a plurality of user interactions with the mobile wallet interface during the mobile wallet session of the user;
• determine that the user has not interacted with the graphical depiction of the at least one service from the identified subset of services during the mobile wallet session of the user, the determination based on an analysis of the received activity dataset;
• generate additional user interface parameter instructions to dynamically update the mobile wallet interface during a subsequent mobile wallet session of the user to remove the graphical depiction of the at least one service;
• and
• transmit, by the network interface, the additional user interface parameter instructions to the user mobile device to dynamically update a display of the user mobile device to remove the graphical depiction of the at least one service during the subsequent mobile wallet session of the user to decrease a processing power needed for the display.

A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a mobile wallet circuit of a mobile wallet computing system, causes the mobile wallet computing system to perform operations to register a user for a mobile wallet, the operations comprising:

• receiving a request to register for a mobile wallet from a user mobile device;
• transmitting an information request to the user mobile device, the information request prompting the user to provide information;
• receiving user-input information from the user mobile device;
• determining that a user associated with the user mobile device has an account at a financial institution associated with the mobile wallet computing system based on the user-input information;
• retrieving information pertaining to the account, the information comprising a transaction history associated with the account;
• comparing the transaction history associated with the account to transaction histories of a plurality of other mobile wallet users to identify a group of mobile wallet users that is similar to the user;
• identifying a subset of services from a plurality of available services commonly used by the group of mobile wallet users based on mobile wallet usage data associated with the group of mobile wallet users, the subset of services configured to provide various functionalities within a mobile wallet client application;
• transmitting the mobile wallet client application including the plurality of available services to the user mobile device;
• generating user interface parameter instructions that cause presentation of mobile wallet interfaces specific to the identified subset of services;
• transmitting the user interface parameter instructions to the user mobile device, the user interface parameter instructions causing the user mobile device to selectively display a mobile wallet interface having a graphical depiction of at least one service from the identified subset of services;
• receiving an activity dataset for a mobile wallet session of the user, the activity dataset identifying a plurality of user interactions with the mobile wallet interface during the mobile wallet session of the user;
• determining that the user has not interacted with the graphical depiction of the at least one service from the identified subset of services during the mobile wallet session of the user, the determination based on an analysis of the received activity dataset;
• generating additional user interface parameter instructions to dynamically update the mobile wallet interface during a subsequent mobile wallet session of the user to remove the graphical depiction of the at least one service;
• and
• transmitting the additional user interface parameter instructions to the user mobile device to dynamically update a display of the user mobile device to remove the graphical depiction of the at least one service during the subsequent mobile wallet session of the user to decrease a processing power needed for the display.