The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Systems, apparatuses, and methods are provided herein for payments through point of sale systems. A system comprises a plurality of in-store POS systems, a user accounts database, and a merchant payment system configured to communicate with a plurality of user devices and a plurality of digital wallet provider systems. The merchant payment system comprises a control circuit configured to associate a user account with a plurality of digital wallet accounts in the user accounts database, wherein at least one of the plurality of digital wallet accounts is associated with two or more payment methods, receive a transaction request from a user device associated with the user account, select a digital wallet provider from the plurality of digital wallet accounts associated with the user account, and send a payment authorization request to a digital wallet provider system associated with the digital wallet provider for payment authorization.

Described herein are systems and techniques for providing automatic distribution of transaction-related benefits to an account used to conduct a transaction. In certain embodiments, the system receives transaction details from a transaction processing network as transactions are conducted. The system determines an appropriate benefit provider for a transaction conducted from an account and provides a subset of transaction details to that benefit provider. The benefit provider compares the subset of transaction details to a set of limited transaction details received from a resource provider to identify the transaction and determine a benefit amount, if any, for which the transaction qualifies. The benefit provider then provides the benefit amount to the system, which then causes the transaction processing network to credit the account the benefit amount.

A proximity coupon donation system is provided. The system includes a computer server having a memory storing business data and user data, a business computing device coupled to the computer server, and a user computing device coupled to the computer server. The computer server may be programmed to receive from the business computing device a signal to activate real-time coupon distribution and automatically establish a proximity zone around the business computing device. The server may further be programmed to receive a signal from a user computing device that the user computing device is within the proximity zone and automatically establish a connection between the server and the user computing device. Further, the server may be programmed to automatically generate and send for display on the user computing device a real-time coupon associated with the business operating the business computing device.

Systems and methods for performing a transaction between a buyer and a seller using a secure transaction system are described herein. A buyer user device or a seller user device (it may be either) informs a secure server of a transaction amount, requests a transaction key from the secure server, and transports that transaction key to the other such user device. The other user device sends the transaction key and the transaction amount to the secure server to confirm the transaction. The use of session-based user identifiers at the buyer user device restricts the feasibility of inter-transaction analysis by unauthorized third parties. Further, the secure transaction system automatically calculates a credit relative to the present transaction to apply to a buyer relative balance account for the seller, which may accordingly be used by the buyer during a subsequent transaction with the seller, thereby incentivizing that future transaction.

A point of sale system includes a payment module having a plurality of payment modes, and a discount module configured to determine a discount associated with each of the plurality of payment modes. The point of sale system includes a processor configured to receive a request for processing the payment for the purchase order, and generate at least one first invoice receipt for the purchase order. The at least one first invoice receipt includes an indication of the discount available corresponding to each of the plurality of payment modes. The processor is also configured to process the payment of the purchase order using a desired payment mode of a customer and generate at least one final invoice receipt indicating the desired payment mode and the discount associated with the desired payment mode.

The disclosed technology for distributing a portion of a sales profit to purchasers if a product selling event is successful, thereby promoting product sales, wherein the sales profit distribution system may include a product payment unit adapted to allow a payment for the product to be made through a terminal of the purchaser; and a profit distribution unit adapted to calculate an individual distribution profit to be distributed to the purchaser from the distribution profit, and the sales profit distribution method may include the steps of: (a) performing a payment for the product by a terminal of the purchaser through a product payment unit; and (b) calculating an individual distribution profit to be distributed to the purchaser from the distribution profit through a profit distribution unit.

A method performed by a security system of a 5G network to protect against cyberattacks on a personalized basis. The security system can identify a cybersecurity threat to a wireless device based on contextual information relating to the wireless device, a user preference, or a call detail record. The security system can determine a one-time fee to charge the user in exchange for protecting the wireless device against the cybersecurity threat, generate an coupon to protect the wireless device against the cybersecurity threat, and send the coupon to the wireless device based at least in part on the contextual information relating to the wireless device and the user preference. When the security system receives an indication that the coupon was redeemed, responds by deploying a network asset to protect the wireless device against the cybersecurity threat.

In one embodiment, a method includes identifying an equity reward offer to be provided to a user, wherein the equity reward offer corresponds to an amount of equity associated a merchant, and redemption of the equity reward offer causes the corresponding amount of equity to be added to an equity account of the user, updating a redemption status of the equity reward offer based on activity of the specified user on the payment service and a pre-condition of the equity reward offer, such as a purchase associated with the merchant, and upon determining that the pre-condition has been satisfied, sending, to the client device associated with the specified user, instructions to display a notification message indicating that the equity reward offer can be redeemed using the payment account of the user to cause the associated amount of equity to be added to the equity account of the user.

A method for facilitating advances in supply chain financing through a centralized platform includes: receiving a commitment message from a first entity system, wherein the commitment message includes at least a first transaction amount and a first payment date; receiving a financing offer from a second entity system, wherein the financing offer includes at least a second transaction amount less than the first transaction amount and a second payment date earlier than the first payment date; determining acceptance of the financing offer based on one or more predetermined criteria; transmitting the acceptance of the financing offer to the second entity system; and transmitting account data for a transaction account associated with the second entity system to the first entity system.