A device and method for managing personal data. A request for an identifier (ID) token corresponding to a user is received from a virtual wallet. The ID token is generated and transmitted to the virtual wallet, where the ID token is then presented to a third-party entity by a device of the user. A request for the personal data corresponding to the ID token is received from the third-party entity. A trustworthiness score is determined that corresponds to the third-party entity based at least in part on an analysis of entity data corresponding to the third-party entity. The trustworthiness score and received request are transmitted to the virtual wallet and passed on to the user device. An indication of acceptance of the request and encrypted personal data associated with the generated ID token are received from the virtual wallet and transmitted to the third-party entity for processing.

A financial transaction processing system for automatically routing a financial transaction to a payment device and methods for making and utilizing the same. The financial transaction processing system can include receiving information about a financial transaction initiated by a consumer or other user who is associated with two or more physical and/or digital payment devices. The financial transaction information can be routed to a selected payment device of the user based upon one or more payment device features of the payment devices, information about the financial transaction, information about the user initiating the financial transaction and/or information about at least one vendor for fulfilling the financial transaction. The financial transaction processing system advantageously can enable the user to use a single aggregating payment method for financial transactions and create underlying financial transaction authorizations corresponding to financial transaction authorizations on the top-level aggregating payment method.

The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures.

Described herein are systems, methods, and apparatuses for performing a user-less payment for an item upon its delivery by an unmanned delivery vehicle. The unmanned delivery vehicle may navigate to a delivery location, receive payment information, initiate a payment transaction with a remote server, and release the item at a specified location upon successful completion of the payment transaction. Upon arrival of the unmanned delivery vehicle, a wireless data transmission device may send payment information to a remote server, and the remote server may provide the unmanned delivery vehicle with an indication of whether the item can be released and a specific location at which the item can be released.

A method for automatically re-processing a transaction in an electronic payment processing network independent of a merchant system or a user includes: receiving a first transaction message associated with a payment transaction; generating a first authorization request; communicating the first authorization request to an issuer system; in response to determining that the first authorization request failed, automatically determining a second payment device associated with the user based on profile data; automatically generating a second authorization request associated with the transaction; communicating the second authorization request to a second issuer system; and in response to determining that the second authorization request was approved by the second issuer, processing the transaction based on the transaction data and the second account data.

Systems and methods that allow fulfilment of a transaction wherein a first party initiates the transaction, for example, at a point-of-sale device, and a tokenized account of an anonymous second party is identified as an account optimal for completing the transaction. The tokenized account of the anonymous second party is identified based on the transaction information. The tokenized account of the anonymous second party is matched to complete the transaction for reasons including a financial advantage or incentive associated with the tokenized account of the anonymous second party and not available to the first party at the time of the transaction. This financial advantage may be shared between both parties. The tokenized account of the anonymous second party may receive a financial benefit or other valuable consideration for completing the transaction. The tokenized account of the anonymous second party is reimbursed for costs associated with completing the transaction.

Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts. The transferring of the funds can be directed by one or more settlement rules defined by a merchant.

Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.

Techniques for using a stored balance associated with a payment instrument are described. Transaction data associated with a transaction is received, wherein a payment instrument linked to a stored balance of a user is provided for payment of the transaction. In one example, a computer system determines that the stored balance is insufficient to satisfy the total amount of the purchase. The computer system further determines, based on a policy and without user input, to access funds from a bank account linked to the stored balance. The funds from the bank account are deposited to the stored balance, and the payment is processed for the total amount using the updated stored balance.