A system and method for authentication policy orchestration may include a user device, a client device, and a server. The server may include a network interface configured to be communicatively coupled to a network. The server may further include a processor configured to obtain, from a client device via the network, a transaction request for a transaction, determine an authorization requirement for the transaction request based, at least in part, on a plurality of authorization policies, individual ones of the plurality of authorization policies being separately configurable by at least one of a relying party and an authorizing party, and complete the transaction based on the authorization requirement having been met.

In some implementations, a user device may present, on a user interface, an arc-shaped user interface element. The user device may detect a user interaction that indicates a first point on the arc-shaped user interface element. The user device may present, on the user interface, a first arc portion of the arc. The first arc portion may represent a first amount, of a total amount, to be associated with a first user account. A second arc portion may represent a second amount, of the total amount, associated with the second user account. The user device may transmit, to an account management device, information that identifies the first amount, of the total amount, to be associated with the first user account.

Embodiments allocate and synchronize virtual currency balance of a user among multiple user devices. A user profile is maintained at a central server. The user profile stores a total virtual currency balance and a designation of multiple user devices associated with the user. The total virtual currency balance may be divided among and allocated to the multiple user devices, for example, based on usage data associated with each user device. The portion of the total virtual currency balance allocated to each user device may be stored locally at a local wallet of the corresponding user device. The local virtual currency balance on a user device may be used to purchase goods or services, such as playing a game. If the locally stored virtual currency balance of a given user device runs low, the user device may request additional virtual currency from other user devices without contacting the central server.

A method of generating recommendations for a collective profile, the collective profile being linked to a first profile and a second profile. The method may include authenticating a login request from an end user device in association with the collective profile based on credentials associated with the first profile, identifying a query from among a plurality of queries and transmit the query to the end user device, receiving a response to the query, determining that the response is not inconsistent with one or more earlier responses received in association with the second profile and, in response, refining at least one attribute or goal in the collective profile based on the response to generate and store a refined collective profile, and determining whether the refined collective profile results in a new recommendation and, if so, outputting the new recommendation.

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.

Particular embodiments provide, by a payment service system, a payment application to a first user device associated with a primary user and a second user device associated with a secondary user. The payment service system is configured to process financial transactions for users utilizing respective accounts based on interactions within the payment application. The payment service system establishes a secondary account for the secondary user. The payment service system receives a request for a payment instrument to be associated with the secondary account. The payment service system receives an identifier associated with the primary user. The payment service system uses the identifier to send a message that includes a mechanism that when actuated enables the primary user to configure a primary user account for the primary user via the payment application. The payment service system controls access to the payment instrument via the secondary account with a set of features.

A payment service generates multiple user profiles, each profile associated with a different user. Each user profile may be linked to multiple transaction cards and multiple numerical balances. Multiple transaction cards can be linked to a same numerical balance—even if the cards are from different user profiles. Restrictions, such as transaction type blacklists and whitelists or parent/guardian permission relationships, can be placed on particular numerical balances, or on access to particular numerical balances by particular cards. Numerical balances and transactions using particular cards may be tracked using user profiles with access to those cards and numerical balances.

Based on detecting a selection, by a first user, of a group payment option on a merchant interface, the computer system launches a user selection user interface that includes one or more user selection interface elements that correspond to one or more users associated with the first user. Based on detecting a selection of one or users, the computer system launches a group payment user interface that includes one or more payment allocation user interface elements that corresponds to a payment allocation for the selected users. Based on detecting a confirmation of a first payment allocation plan, the computer system processes a payment for the purchase and further transmits invoices to the selected users which include an allocated payment amount.

A system has a server, user electronic device associated with a user profile and merchandise comprising an embedded device comprising an NFC card emulator. A registration controller receives merchandise ID data scanned from the embedded device to associate the merchandise with the user profile. An event detection controller detects a user interaction events of the user electronic device specified by trigger data. A payment voucher issuer controller generates an electronic payment voucher according to a type of the user interaction event and a payment amount associated with the payment voucher. Payment voucher data is a written to at least one of the NFC card emulator of the merchandise and the user electronic device. As such, a POS terminal can read the payment voucher data to determine a primary account number for electronically processing a payment up to the value of the payment amount.

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.