Apparatuses, systems, methods, and computer program products are disclosed for virtual sub accounts. An apparatus includes an actual account module that receives information for an actual user account at a financial institution. An apparatus includes a virtual account module that creates a virtual account that comprises a simulated user account at a financial institution that is managed by an actual user account. An apparatus includes a linking module that links a virtual account to an actual user account so that the actual user account manages the virtual account.

A group payment system is provided which permits users to form groups and, as a group, to contribute resources to group funds to make group payments, purchases, and transfer of funds to other groups, individual users, or merchants. Group transactions are conducted via a group transaction application downloaded onto user devices. The group transaction application enables the formation of user groups and facilitates payment in group transaction settings.

A computer-implemented method for managing a delegation request is provided. The method includes linking a first account of a first user with a second account of the first user and receiving the delegation request from the first user, to delegate an access for the second account of the first user to a second user. The method further includes extracting, from the received delegation request, a delegation request payload and verifying the delegation request based on the extracted delegation request payload. Furthermore, the method includes transmitting the verified delegation request to an identity verification database, receiving, from the identity verification database, an authentication response indicating authentication of the first user, the second user and the delegation of access for the second account of the first user to the second user, and allocating, to the second user, an authority to conduct a transaction for the second account based on the authentication response.

Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.

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.

Systems and methods for confirming and/or updating account information are disclosed. The systems and methods may calculate relocation scores based on transaction data and device location data. The relocation scores may be based on locations of the transactions and/or locations of a user device beyond a registered customer address. A relocation score can be calculated based on a quantity of transactions having transaction locations beyond a first predetermined distance from the customer address as determined by transaction location identifiers. A relocation score can be calculated based on an elapsed duration of time since a customer transaction was completed within the first predetermined distance from the customer address.

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 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.

Particular embodiments receive, by a payment service and via a first user device associated with a first user, a request to create an account with a payment service associated with the payment service. The payment service dynamically selects, based on user data associated with the first user, a primary onboarding flow or a secondary onboarding flow for creating a new account for the first user. Based on a determination by the payment service that the first user is not authorized for a new primary account via the primary onboarding flow, the payment service initializes the secondary onboarding flow to create a new secondary account for the first user. The new secondary account is associated with a different set of payment functionalities than primary accounts and the new secondary account requires authorization from a primary account associated with a second user.

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.