Abstract: Systems and methods for processing financial transactions using smart chip technology are disclosed. The present invention provides for payments to be made to multiple payees with a single transaction performed via a single insertion or dip of a smart chip card into a smart chip terminal or a single tap of the smart chip card within a predetermined proximity of a smart chip terminal. Specific applications include transactions which include principal payment amounts paid to a first party with convenience fees and/or surcharges paid to a second party for the principal transaction.

Abstract: A graphical user interface, systems, and methods of using an intermediary computer to process payments in real-time. Tax payments are processed over a secure network directly to a government authority without being coupled with electronic filing of tax returns or other filing or processing documents.

Abstract: Systems and methods for providing real-time data and performing network transactions via a GUI over a network using computer-based storage and retrieval schemes including real-time lookup tables and databases and updating the real-time lookup tables and databases in real-time, with the network including but not limited to Internet, phone, wireless communications, and other channels.