Abstract: A computer-implemented method for an electronic funds transfer, the method including obtaining a virtual payment account having access to a plurality of electronic payment mediums capable of being utilized in an electronic funds transfer. Obtaining, using an electronic payment management system, information related to the electronic fund and determining by the electronic payment management system based on the information related to the electronic fund a selected electronic payment medium from the plurality of electronic payment mediums for being the source of electronic funds for the electronic funds transfer. Based on the selection, recommending the selected electronic payment medium to a user for presentation to an electronic terminal for engaging in the electronic funds transfer.

Abstract: A computer-implemented method for an electronic funds transfer, the method including obtaining, using a processor system of a device, a virtual payment account associated with a merchant. The virtual payment account also being associated with a consumer account wherein an electronic payment medium issuer is a third party providing commercial funding on behalf of a consumer. Marketing information relating to the merchant associated with the virtual payment account is obtained. An electronic funds transfer is conducted utilizing an electronic payment medium signature associated with the electronic payment medium provided by the virtual payment account interfacing with an electronic terminal associated with the merchant. The virtual payment account and consumer account with information relating to the electronic funds transfer are updated.

Abstract: A computer-implemented method for an electronic funds transfer, the method including obtaining, using a processor system of a device, a virtual payment account associated with a merchant. The virtual payment account also being associated with a consumer account wherein an electronic payment medium issuer is a third party providing commercial funding on behalf of a consumer. Marketing information relating to the merchant associated with the virtual payment account is obtained. An electronic funds transfer is conducted utilizing an electronic payment medium signature associated with the electronic payment medium provided by the virtual payment account interfacing with an electronic terminal associated with the merchant. The virtual payment account and consumer account with information relating to the electronic funds transfer are updated.

Abstract: A computer-implemented method for an electronic funds transfer, the method including obtaining a virtual payment account having access to a plurality of electronic payment mediums capable of being utilized in an electronic funds transfer. Obtaining, using an electronic payment management system, information related to the electronic fund and determining by the electronic payment management system based on the information related to the electronic fund a selected electronic payment medium from the plurality of electronic payment mediums for being the source of electronic funds for the electronic funds transfer. Based on the selection, recommending the selected electronic payment medium to a user for presentation to an electronic terminal for engaging in the electronic funds transfer.

Abstract: A computer-implemented method for an electronic funds transfer, the method including obtaining a virtual payment account having access to a plurality of electronic payment mediums capable of being utilized in an electronic funds transfer. Obtaining, using an electronic payment management system, information related to the electronic fund and determining by the electronic payment management system based on the information related to the electronic fund a selected electronic payment medium from the plurality of electronic payment mediums for being the source of electronic funds for the electronic funds transfer. Based on the selection, recommending the selected electronic payment medium to a user for presentation to an electronic terminal for engaging in the electronic funds transfer.