A unified ecommerce platform system that enables sellers to acquire in depth insight into their business market and consumers utilizing a centralized cloud-based platform with enhanced consumer purchasing and information gathering abilities and allows users enhanced granular security tools and information for purchase.

Methods for rapid micro-payment transactions with deferred payments employ a network-connected AR device (“HMD”) having sensors for detecting a user's gaze/physical commands. Such methods comprise: receiving information from the HMD indicating a selected real-world/virtual content item for a potential transaction; causing the HMD to display a virtual transaction management widget (“TMW”) showing the selected item's cost, maximum threshold amount before triggering settlement; and any prior unsettled payment obligations; receiving further information from the HMD confirming the potential transaction based on the user's gaze/physical command; transmitting an authorization signal to a merchant offering the selected item without concurrently requiring payment when the selected item's cost and prior unsettled payment are less than the maximum threshold amount; and transmitting a signal to a payment system for settlement of the balance when the selected item's cost and any unsettled payment are equal/greater than the maximum threshold; and updating the displayed TMW accordingly.

Methods for rapid micro-payment transactions with deferred payments employ a network-connected AR device (“HMD”) having sensors for detecting a user's gaze/physical commands. Such methods comprise: receiving information from the HMD indicating a selected real-world/virtual content item for a potential transaction; causing the HMD to display a virtual transaction management widget (“TMW”) showing the selected item's cost, maximum threshold amount before triggering settlement; and any prior unsettled payment obligations; receiving further information from the HMD confirming the potential transaction based on the user's gaze/physical command; transmitting an authorization signal to a merchant offering the selected item without concurrently requiring payment when the selected item's cost and prior unsettled payment are less than the maximum threshold amount; and transmitting a signal to a payment system for settlement of the balance when the selected item's cost and any unsettled payment are equal/greater than the maximum threshold; and updating the displayed TMW accordingly.

The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of the card. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.

The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of the card. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.

In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

A method of processing a customer transaction may include receiving an indication of a transaction between a customer and a vendor, checking a first account status of a first account associated with a first currency type and a second account status of a second account associated with a second currency type, determining whether to accept or decline the transaction based on a combination of the first and second account statuses, and, if the transaction is accepted, authorizing a transfer of funds to the vendor and engaging the customer with respect to a repayment strategy that includes repayment options funded from selected ones of the first currency type or the second currency type.

A method of processing a customer transaction may include receiving an indication of a transaction between a customer and a vendor, checking a first account status of a first account associated with a first currency type and a second account status of a second account associated with a second currency type, determining whether to accept or decline the transaction based on a combination of the first and second account statuses, and, if the transaction is accepted, authorizing a transfer of funds to the vendor and engaging the customer with respect to a repayment strategy that includes repayment options funded from selected ones of the first currency type or the second currency type.

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.