Disclosed are methods, systems, and non-transitory computer-readable record medium to change a linked account of a payment method, that is, a payment account using a messenger. A payment account changing method performed at a server comprising at least one processor configured to execute computer-readable instructions may include transmitting, to an electronic device, a message including account information about at least one account linkable to a payment method in response to a payment approval request from the payment method associated with a user of the electronic device meeting a condition, and changing a linked account of the payment method to another account included in an account change request in response to receiving the account change request from the electronic device as a response to the message.

This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

The present system is a payment network that implements an ecosystem in which banks can issue financial products (e.g. credit cards, debit cards, and the like) and customers are able to pay in any commerce without the need for card association networks. The streamlined nature of the system allows interchange fees to be substantially reduced over current systems. In addition, the system is all digital, so that physical security features are not required. The system provides an application for a customer that can be used on a mobile phone or other computing device, downloadable point-of-sale (POS) applications that can be used for commerce, and a web based POS application for commerce. The customer application includes a marketplace and an e-wallet in one embodiment. The customer can use the marketplace to acquire and link financial products produced by the banks with the customer's e-wallet.

A system and method for providing a simple and secure user experience by bundling user interactions involved in a real estate transaction event into a fewer number of steps is disclosed. The method includes receiving data in association with a real estate transaction event, determining, using a first classifier on the data, a due date for payment of earnest money deposit to a target escrow account, enabling electronic transfer of the earnest money deposit to the target escrow account based on the due date, authenticating, via a trusted third-party system, user credentials of a buyer in association with a bank, determining an eligibility of one or more bank accounts of the buyer to be a funding source for the payment of the earnest money deposit, receiving, from the buyer, a user selection of an eligible bank account and personal information, transmitting data including the user selection of an eligible bank account and personal information to a digital payment server, and presenting a notification in association with the electronic transfer of the earnest money deposit to the target escrow account.

Provided are systems, methods and devices for increasing security in a financial transaction when using a smartcard. The system includes a smartcard for payment in a financial transaction, the smartcard having a memory for storing a first actuation sequence for confirming a user's identity; wherein the smartcard has a checking module that authorizes the transaction only when a second actuation sequence is identical to the first actuation sequence stored in the memory; a point of sale terminal for recording payment details from the smartcard once the financial transaction is authorized and transmitting a request for payment through a network to a financial institution according to the payment details; and a financial institution authorizing computer for allowing recording of an actuation sequence on the smartcard and making payment to the owner of the point of sale terminal once the transaction is authorized, according to the payment details.

In one embodiment, a method includes receiving, by a payment service system (PSS), a request for a cash advance drawn from a line of credit approved for a user. The line of credit is associated with an account maintained by the PSS and includes default repayment terms. The method includes in response to receiving the request, identifying, by the PSS, context characteristics of the request. The method includes determining, by the PSS using a machine learning model applied to the identified characteristics and historical context information stored at the payment service system, that the requested cash advance qualifies for repayment terms that are different form the default repayment terms. The method includes based on the determination, generating a set of modified repayment terms to be associated with the cash advance. The method includes transmitting, by the PSS, an indication of the modified repayment terms to a user device for authorization.

In one embodiment, a method includes receiving, by a payment service system (PSS) from a first device associated with a first user, a request to borrow an amount from a second user. The first user is associated with a first user account and the second user is associated with a second user account, both of which are maintained by the PSS. The method includes in response to receiving the request, identifying, by the PSS, a first transaction history associated with the first user account and a second transaction history associated with the second user account in a data store of the PSS. The method includes determining, by the PSS, repayment terms to be associated with the request to borrow the amount based on the first transaction history and the second transaction history.

In one embodiment, a method includes receiving, by a payment service system, a payment request to charge a payment card for a transaction. The payment card is associated with a user account maintained by the payment service system and the user account is configured to apply a different interest rate to each of multiple transactions. The method includes in response to receiving the payment request, identifying, by the payment service system, purchase characteristics of the transaction. The method includes determining, by the payment service system, an interest rate to be associated with the payment request based on the identified purchase characteristics and historical repayment data stored in a data store of the payment service system. The method includes upon receiving a payment confirmation from the user, updating, by the payment service system, the user account to include the transaction at the determined interest rate.

Systems and methods for issuing and using dedicated tokens for rewards accounts are disclosed. In one embodiment, in a token service provider information processing apparatus comprising at least one computer processor, a method for issuing dedicated tokens for reward accounts may include: (1) receiving, from an electronic wallet, a request to provision a credit or debit-based token for a financial instrument and a dedicated reward-based token for rewards-based transactions associated with the financial instrument to an electronic wallet; (2) generating the credit or debit-based token and the dedicated reward-based token; and (3) providing the credit or debit-based token and the dedicated reward-based token to the electronic wallet and to the issuing bank.

Embodiments of the invention are directed to a system, method, or computer program product for generation, deployment, and execution of a one-time abstraction coding network for resource deployment. The system may provide a single use code for a single anonymous resource distribution at any location. The system may provide a user with access to a one-time abstraction code to use to complete a resource distribution for event processing. The system may link to the entity associated with the event to process resource distribution via a system owned resource vehicle for complete anonymity of the user.