A workaround for smartphone manufacturers locking out certain uses of NFC technology is presented as a system for the completion of wireless credit card transactions using an auxiliary electronics module affixed to a personal digital assistant or smart phone wherein the electronics module is enabled with 2 types of wireless credit card transaction technologies. One of the technologies is NFC and the other is MST. The auxiliary electronics module is enabled to perform an NFC or an MST transactions based on the phones locked status and or the POS capability. The affixed electronics module communicating with the device to which it is affixed with BLE wireless technology.

Embodiments of the present invention provide a system for authenticating and tracking resource distributions of secondary users. The system is configured for receiving a registration request from a primary user, wherein the registration request is associated with registration of one or more secondary users, in response to receiving the request, generating user credentials for each of the one or more secondary users, associating the user credentials with a primary user identification of the primary user, receiving a resource distribution request from a secondary user of the one or more secondary users, authenticating the secondary user, and processing the resource distribution request based on authenticating the secondary user.

A device may receive a command associated with identifying a merchant for a virtual card swap procedure wherein the virtual card swap procedure is to replace a credit card of a user with a virtual card corresponding to the credit card. The device may identify the merchant for the virtual card swap procedure based on the command. The device may obtain the virtual card for the user. The device may determine a virtual card swap procedure template for the merchant. The device may perform the virtual card swap procedure based on the virtual card swap procedure template.

A transaction system for coordinating processing of a transaction payment request associated with a transaction between a consumer and a merchant, comprising: a computer processor programmed for: receiving the transaction payment request including consumer code data and identification information, the consumer code data representative of a subaccount registered with a transaction interface; accessing the subaccount to obtain payment information related to the transaction payment request; creating a payment confirmation request using said identification information; sending said payment confirmation request over the network to a mobile device; obtaining authorization information from the mobile device; sending a funds transfer request to a payment platform based on the authorization information matching the required authorization information; receiving approval of the funds transfer request from the payment platform; and sending a confirmation of the approval of the funds transfer request to a computer device associated with the merchant.

A reservation substitute remittance method using a reservation substitute remittance processing server is provided. The method includes receiving a request from at least one of a remitter and a substitute remitter to generate a reservation substitute remittance unit; generating the reservation substitute remittance unit based on identification information of the remitter and the substitute remitter; receiving a remittance or payment request from the remitter; processing a substitute remittance or a substitute payment based on a remittable amount of the reservation substitute remittance unit; and reflecting results of processing the substitute remittance or the substitute payment to the reservation substitute remittance unit.

Apparatuses, methods, and computer program products are provided for generating user connections. An example method includes receiving first user account parameters associated with a first user and determining a financial deficiency of the first user account based on the first user account parameters. The method further includes receiving second user account parameters associated with a second user and determining a fulfillment opportunity of the second user account based on the second user account parameters. In response to the determined fulfillment opportunity, the method includes generating a fulfillment action from a second account of the second user to a first account of the first user in satisfaction of the financial deficiency.

A wallet server includes a processor with hardware. The processor is configured to acquire user information of user terminals carried by users who use a store, and configured to perform payment processing, and to generate group information when payment processing is performed by using a first user terminal. The group information is user information of the first user terminal and a second user terminal. The processor is configured to generate, from information on the payment processing and the group information, consumption information associated with each of the user terminals in a group.

Provided is a computer-implemented method, system, and computer program product for stand-in processing. The method includes receiving a transaction request message corresponding to a transaction, the transaction request message including a transaction value and an account identifier, determining whether to process the transaction request message as a stand-in transaction based at least partially on the transaction request message, in response to determining to process the transaction request message as a stand-in transaction, determining an account capacity corresponding to the account identifier, determining whether to authorize the stand-in transaction based at least partially on the transaction value and the account capacity, and in response to determining to authorize the stand-in transaction, completing the stand-in transaction. A system and computer program product are also disclosed.

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.

The present disclosure generally relates to a computer system associated with a first user identity and a user interface for configuring an account for use by one or more devices associated with a second user identity. The user interface includes a control for selecting between a first account option that enables transfers between the account and only a first set of user accounts and a second account option that enables transfers between the account and a second set of user accounts, the second set of user accounts including the first set of user accounts and one or more additional user accounts associated with additional users. In response to receiving a request to configure the account, the account is configured with the first account option when the first account option is selected and the account is configured with the second account option when the second account option is selected.