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.

A system and method for providing a buy now pay later (BNPL) product to a credit account holder is disclosed. The method receives a BNPL application from a customer, the BNPL application including customer identification information. The identification information for the customer is used to identify an existing credit account. A BNPL product with associated terms is generated based on the existing credit account. The BNPL product with associated terms is provided to the customer's mobile device. After accepting the BNPL product with associated terms the BNPL product is received at the customer's mobile device. The BNPL product is used to complete a transaction during a checkout process.

A system and method for providing a buy now pay later (BNPL) product to a credit account holder is disclosed. The method receives a BNPL application from a customer, the BNPL application including customer identification information. The identification information for the customer is used to identify an existing credit account. A BNPL product with associated terms is generated based on the existing credit account. The BNPL product with associated terms is provided to the customer's mobile device. After accepting the BNPL product with associated terms the BNPL product is received at the customer's mobile device. The BNPL product is used to complete a transaction during a checkout process.

Systems and methods for conducting transactions using hybrid credit/charge financial instruments are disclosed. A method may include a transaction processing computer program: establishing a hybrid account comprising a pay-in-full portion and a revolving balance portion, the pay-in-full portion having a pay-in-full portion limit, and the revolving balance portion having a revolving balance portion limit; receiving a transaction for a transaction amount involving the hybrid account from a point of transaction device; applying rule(s) to the transaction to identify a pay-in-full amount of the transaction amount for the pay-in-full portion and/or a revolving balance amount of the transaction amount for the revolving balance portion; debiting the pay-in-full portion for pay-in-full amount and/or the revolving balance portion for the revolving balance amount; monitoring the pay-in-full portion and the revolving balance portion for balances and payments; and adjusting the pay-in-full portion limit and/or the revolving balance portion limit based on the monitoring.

Systems and methods for conducting transactions using hybrid credit/charge financial instruments are disclosed. A method may include a transaction processing computer program: establishing a hybrid account comprising a pay-in-full portion and a revolving balance portion, the pay-in-full portion having a pay-in-full portion limit, and the revolving balance portion having a revolving balance portion limit; receiving a transaction for a transaction amount involving the hybrid account from a point of transaction device; applying rule(s) to the transaction to identify a pay-in-full amount of the transaction amount for the pay-in-full portion and/or a revolving balance amount of the transaction amount for the revolving balance portion; debiting the pay-in-full portion for pay-in-full amount and/or the revolving balance portion for the revolving balance amount; monitoring the pay-in-full portion and the revolving balance portion for balances and payments; and adjusting the pay-in-full portion limit and/or the revolving balance portion limit based on the monitoring.

One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.

One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.

Embodiments described herein provide a client system for facilitating enhanced offline payment. During operation, the system obtains a location indicator, which indicates the location of a service, from a charging system. The system then generates an offline code that allows access to the service and corresponds to the location indicator. The offline code can be readable by the charging system, and the client system and the charging system can both be offline. Subsequently, the system encodes the historical data associated with the service in a field of the offline code and sends a message comprising the offline code to the charging system.

A vehicle service and a process to pay for the vehicle service are provided. A data connection is established between a service point and an electronic control unit of a vehicle. Initial vehicle service data is gathered that includes a timestamp of establishing the data connection, identification data of the vehicle, and, at the time of the timestamp, at least one value of a state of the vehicle indicating a quantity which is to be altered by the provision of the vehicle service. Service provider service data of the completed vehicle service is stored on the blockchain network. The validity of the provision of the vehicle service is checked by comparing the initial and final vehicle service data and the provider service data of the completed vehicle service. When the validity is confirmed, the process to pay for the vehicle service is triggered on the blockchain network.

A vehicle service and a process to pay for the vehicle service are provided. A data connection is established between a service point and an electronic control unit of a vehicle. Initial vehicle service data is gathered that includes a timestamp of establishing the data connection, identification data of the vehicle, and, at the time of the timestamp, at least one value of a state of the vehicle indicating a quantity which is to be altered by the provision of the vehicle service. Service provider service data of the completed vehicle service is stored on the blockchain network. The validity of the provision of the vehicle service is checked by comparing the initial and final vehicle service data and the provider service data of the completed vehicle service. When the validity is confirmed, the process to pay for the vehicle service is triggered on the blockchain network.