Selecting a Preferred Payment Instrument

Abstract

Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.

1 .- 20 . (canceled) 
     
     
         21 . A system for identifying payment accounts for transactions, the system comprising:
 at least one computing device comprising a user computing device, one or more processors and one or more non-transitory computer-readable media that collectively store instructions that, when executed by the one or more processors, cause the at least one computing device to perform operations, the operations comprising:
 performing a wireless tap that requests a transaction; 
 obtaining, by the wireless tap, data associated with the requested transaction; and 
 identifying a financial account from among a plurality of financial accounts to use as a backing financial account for the transaction based on the data associated with the transaction and based on prior transaction data that describes prior transactions with the user computing device. 
   
     
     
         22 . The system of  claim 21 , wherein the user computing device comprises a digital wallet application, and wherein identifying the financial account from among the plurality of financial accounts comprises identifying, by the digital wallet application of the user computing device, the financial account. 
     
     
         23 . The system of  claim 21 , wherein the operations further comprise transmitting data describing the wireless tap to a point of sale device, and wherein obtaining, by the wireless tap, the data associated with the requested transaction comprises receiving the data associated with the requested transaction from the point of sale device. 
     
     
         24 . The system of  claim 21 , wherein identifying, by the at least one computing device, the wireless tap associated with the user computing device comprises:
 identifying, by the at least one computing device, the financial account from among the plurality of financial accounts based on at least one of a category of a merchant associated with the transaction, a location of the merchant associated with the transaction, a time of day that the wireless tap was performed, a day that that the wireless tap was performed, or a month that the wireless tap was performed.   
     
     
         25 . The system of  claim 21 , wherein identifying the financial account comprises identifying the financial account from among the plurality of financial accounts based on data describing a previously used financial account for a previous transaction by the user with a merchant associated with the transaction. 
     
     
         26 . The system of  claim 25 , wherein the data describing the previously used financial account for the previous transaction by the user with the merchant associated with the transaction comprises data describing at least one of a category of the merchant or a location of the merchant. 
     
     
         27 . The system of  claim 21 , wherein the user computing device comprises a digital wallet application, and wherein the operations further comprise:
 providing for display, by a digital wallet application of the user computing device, data describing the identified financial account;   receiving, by the digital wallet application of the user computing device, a user input that confirms the identified financial account; and   transmitting a request to complete the transaction with the identified financial account.   
     
     
         28 . The system of  claim 21 , wherein the user computing device comprises a digital wallet application, and wherein the operations further comprise:
 providing for display, by the digital wallet application of the user computing device, data describing the identified financial account;   receiving, by the digital wallet application of the user computing device, a user input that describes identification of a different financial account that is distinct from the identified financial account; and   transmitting a request to complete the transaction with the different financial account.   
     
     
         29 . The system of  claim 21 , wherein the user computing device comprises a digital wallet application, and wherein identifying the financial account comprises applying, by the digital wallet application, a rule for identifying financial accounts. 
     
     
         30 . The system of  claim 21 , wherein the operations further comprise:
 receiving, by the user computing device, a user input that requests at least one of creation of a rule for identifying financial accounts or modification of the rule for identifying financial accounts; and   at least one of creating, by the at least one computing device, the rule for identifying financial accounts or modifying, by the at least one computing device, the rule for identifying financial accounts in response to receiving the user input.   
     
     
         31 . The system of  claim 21 , wherein identifying, by the user computing device, the financial account transaction comprises identifying the financial account based on data that describes a transaction of another user that is distinct from a user of the user computing device. 
     
     
         32 . The system of  claim 21 , further comprising a proxy-backing mapping model, and wherein identifying the financial account from among the plurality of financial accounts to use as the backing financial account for the transaction based on the data associated with the transaction and based on prior transaction data that describes prior transactions with the user computing device comprises identifying the financial account using the proxy-backing mapping model. 
     
     
         33 . The system of  claim 21 , wherein identifying, by the user computing device, the financial account from among the plurality of financial accounts comprises identifying the financial account based on at least one of a category of a merchant associated with the transaction, a location of the merchant associated with the transaction, a time of day that the wireless tap was performed, a day that that the wireless tap was performed, or a month that the wireless tap was performed. 
     
     
         34 . The system of  claim 33 , wherein the data describing the previously used financial account for the previous transaction by the user with the merchant associated with the transaction comprises data describing at least one of a category of the merchant of a location of the merchant. 
     
     
         35 . A computer-implemented method to identify payment accounts for proxy card transactions, comprising:
 performing, by at least one computing device, a wireless tap that requests a transaction;   obtaining, by the wireless tap and the at least one computing device, data associated with the requested transaction; and   identifying, by the at least one computing device, a financial account from among a plurality of financial accounts to use as a backing financial account for the transaction based on the data associated with the transaction and based on prior transaction data that describes prior transactions with a user computing device.   
     
     
         36 . The computer-implemented method of  claim 35 , wherein identifying, by the at least one computing device, the financial account comprises identifying, by a digital wallet application of the user computing device, the financial account. 
     
     
         37 . The computer-implemented method of  claim 35 , wherein:
 the at least one computing device comprises a server computing device;   identifying, by the at least one computing device, the financial account from among the plurality of financial accounts comprises identifying, by at least one of the server and the user computing device, the financial account from among the plurality of financial accounts.   
     
     
         38 . The computer-implemented method of  claim 35 , wherein identifying, by the at least one computing device, the financial account from among the plurality of financial accounts comprises identifying, by the at least one computing device, the financial account from among the plurality of financial accounts based on at least one of a category of a merchant associated with the transaction, a location of the merchant associated with the transaction, a time of day that the wireless tap was performed, a day that that the wireless tap was performed, or a month that the wireless tap was performed. 
     
     
         39 . The computer-implemented method of  claim 35 , further comprising:
 providing, by a digital wallet application of the user computing device, data describing the identified financial account for display;   receiving, by the digital wallet application of the user computing device, a user input that confirms the identified financial account; and   transmitting, from the user computing device, a request to complete the transaction with the identified financial account.   
     
     
         40 . The computer-implemented method of  claim 35 , further comprising:
 providing, by a digital wallet application of the user computing device, data describing the identified financial account for display;   receiving, by the digital wallet application of the user computing device, a user input that describes identification of a different financial account that is distinct from the identified financial account; and   transmitting, from the user computing device, a request to complete the transaction with the different financial account.