Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.

In order to improve efficiency of an operation of a cash handling system and reduce the labor required for the operation, a POS register receives an input of a cash-out amount, and an input of a charge amount. The POS register reads a debit card ID from a debit card, and transmits a settlement request including the debit card ID and a settlement amount to a management server. Upon receiving the settlement request, the management server withdraws the settlement amount from an account, and transmits a settlement permission to the POS register. Upon receiving the settlement permission from the management server, the POS register performs charge of electronic money, and transmits a dispensing instruction for the cash-out amount to a change machine. The change machine receives the dispensing instruction and dispenses cash.

Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. Information associated with transactions using the payment vehicle can be used for player relationship purposes.

Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. The process also includes displaying a list of payment card accounts associated with the selected wallet application for association with the companion application, receiving a selection of at least one payment card account, transmitting payment account credentials of the selected payment account to a wallet server computer, receiving a companion token representing a digitization of the selected payment card account from the wallet server computer, and associating the companion token with the companion application.

Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

A financial institution computing system includes a customer account database configured to retrievably store information pertaining to a plurality of financial accounts held by a plurality customers of the financial institution and a processing circuit. The processing circuit is configured to transfer a first amount of funds from a plurality customer financial accounts associated with a plurality of customers a pooling account, wherein the plurality of customers belong to a predetermined pooling group associated with the pooling account, identify a financial account associated with a paying customer, the paying customer having insufficient funds for a payment amount to a third party, and transfer a second amount of funds from the pooling account based on the payment amount to the financial account associated with the paying customer , wherein the paying customer belongs to the predetermined pooling group.

A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code. The method facilitates the combined transaction based on authentication of the composite machine readable code, wherein the combined transaction is associated with the one or more scheduled transactions.

A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.