CPC G06Q 20/40 (2013.01) [G06Q 20/023 (2013.01); G06Q 20/12 (2013.01); G06Q 20/36 (2013.01)] | 19 Claims |
1. A computer-implemented method comprising:
using signals generated by at least one user input interface of a user device, and signals received from a merchant transaction system via at least one near-field communication interface:
generating, by at least one third-party wallet application at the user device, a requested transaction data set, the requested transaction data set comprising at least an identifier associated with a merchant and a transaction amount payable to the merchant;
in response to further signals generated by the at least one user input interface:
generating, by at least one trusted wallet application at the user device, a transaction authorization request data set comprising data representing at least the merchant, the transaction amount payable to the merchant, at least two transaction payment funding sources, and a portion of the transaction amount payable to the merchant to be funded using each of the plurality of transaction payment funding sources;
using a communication interface of the user device:
routing, by the at least one trusted wallet application, the transaction authorization request data set to a transaction processing system;
receiving, by the at least one trusted wallet application from the transaction processing system, in response to the transaction authorization request data set, a dynamic card token comprising the transaction amount payable to the merchant, and a single transaction payment funding source identifier;
passing, by the at least one trusted wallet application to the at least one third-party wallet application, the dynamic card token;
sending, by the at least one third-party wallet application, the dynamic card token to the merchant transaction system; and
receiving, at the user device, a confirmation message that the transaction is complete.
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