Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store.

Systems and methods are disclosed which may allow a merchant to wirelessly transmit accepted forms of payment using a beacon installed in the merchant location or near the merchant location. A consumer having a device capable of receiving the wireless transmission may receive the accepted forms of payment and have them displayed on a screen of the device. The device may also send the accepted forms of payment to a remote server that has issued the consumer a programmable credit card such that the remote server can program the credit card based on the forms of payment accepted by the merchant.

A payment method, a payer terminal, and a payee terminal are provided. The method includes receiving a transaction request from a payee terminal that includes a payment amount and determining whether an electronic cash application has a balance that is sufficient to cover the payment amount. If the balance is not sufficient, determining whether there are at least two electronic cash applications, a sum of whose balances are greater than or equal to the payment amount. If the balances are sufficient, selecting a group of electronic cash applications, a sum of whose balances are greater than or equal to the payment amount, performing deduction from a balance of each selected electronic cash application until a sum of the deduction is equal to the payment amount; and sending account number and corresponding deduction data of each of the selected electronic cash applications and transaction identifications to the payee terminal.

Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

Methods and systems of managing or reconciling location-based transactions are disclosed. At least a location attribute related to a virtual coupon is derived from a digital representation of a real-world scene captured at least in part by a mobile device. At least one virtual coupon is generated based on at least the location attribute, wherein the virtual coupon is related to a purchasable item associated with the real-world scene. A reconciliation matrix related to the purchasable item based on at least the location attribute is identified. A transaction for the purchasable item is reconciled among at least one vendor account and at least one consumer account according to the at least one virtual coupon and the at least one reconciliation matrix.

In one embodiment, a payment service system may receive a request to split a bill between two or more peer users. The request may include information identifying at least the two or more peer users and an amount of the bill to be split. The two or more peer users may be identified based on determining a presence of two or more mobile devices that are respectively associated with the two or more peer users. The payment service system may send a payment request to each mobile device associated with the two or more peer users. The payment service system may receive a response, which may indicate the respective user's approval of a specified amount for payment of a portion of the bill associated with the user. The payment service system may cause a funds transfer based on specified amounts approved by the two or more peer users.

Methods and systems of reconciling a transaction in a computer-based game are disclosed. At least one attribute is determined, based on digital data obtained from at least one sensor, wherein the digital data includes location data associated with the game and representing a scene. One or more attributes from the digital data of the scene are derived, wherein at least one attribute comprises a location derived from the location data. A signature is generated for a transaction from the one or more attributes including the location, and mapped to a plurality of accounts via a reconciliation matrix. A transaction associated with at least one item related to the game is initiated from at least one provider account to the plurality of accounts according to the reconciliation matrix.

The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

User devices are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: generating and displaying a user interface prompting a user to input: an identifier of a primary payment source account for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger and having its identifier linked with one or more supplemental payment source accounts; identifiers of one or more supplemental payment source accounts for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger; and preference settings for applying resources of the primary payment source account and the supplemental payment source accounts to transactions, based on identities or categories of merchants involved in the transactions.

An account identification method, an apparatus, an electronic device, and a computer readable medium, pertaining to the technical field of the Internet. The method includes: obtaining various resource transfer records of which a resource pre-acquisition account is different from a resource receipt account; dividing the resource pre-acquisition account and the resource receipt account into multiple connected account sets; determining to-be-identified accounts in each of the connected account sets; obtaining sample accounts from the to-be-identified accounts, and training a target account identification model by using the sample accounts; and determining whether the to-be-identified accounts are a target account through the target account identification model.