Abstract: Systems, methods, and computer readable media may facilitate buy-now-pay-later (BNPL) transactions at brick-and-mortar locations of merchants that otherwise lack an ability to interface with financial institutions (FIs) that finance BNPL transactions. Likewise, the system may be used to conduct BNPL transactions for merchants that lack an electronic commerce presence. For example, a payment network used to process payment cards such as credit cards may be leveraged to communicate with user devices, merchant point of sale (POS) terminals, and BNPL servers operated by FIs to mediate BNPL transactions. In particular, the payment network may receive, from merchants, a list of items that are eligible for BNPL transactions and installment offers from FIs to pay for BNPL transactions. The payment network may match eligible items with installment offers, select the best installment offers for the buyer, and mediate exchanges between the parties to settle payments for the BNPL transaction.

Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.

Abstract: Devices, systems, and methods are provided for user profile management across multiple devices. A method may include determining, by a first device, that the first device is signed into a customer account; determining that the customer account includes a first user profile and a second user profile, the first user profile having first identity data, and the second user profile having second identity data; determining that third identity data for the first user profile is available for presentation, the third identity data based on a user interaction with a second device; determining that the first user profile is enrolled on the first device; presenting the first identity data using the first device; receiving a second user request to access the first user profile; and presenting, using the first device, content based on the second user request and a user preference associated with the first user profile.