Abstract: Exemplary embodiments pertain to a computer architecture for supporting transactions through a transaction card, as well as methods, mediums, and interfaces for use with the architecture. According to one embodiment, a request to perform a transaction for an identified amount between a user and a merchant server may be received at a provider server associated with a transaction card issued to the user. The provider server may identify a card value store and a primary value store associated with the user. The provider server may determine whether the transaction card is in an active state based on an occurrence of an automatic transfer between an employer institution and the primary value store in a most-recent predetermined time interval. If the card is active, the provider server may transmit a control signal to the merchant server, the control signal configured to authorize the transaction on behalf of the user.

Abstract: A payment platform that allows a user to submit a current pay stub and bank account information and, through the system borrow money, shop online, and complete repayment through automated payroll deduction. The platform includes several modules including (i) a mechanism for collecting repayment, (ii) an accounting system for reconciling payroll repayment, and (iii) a lending engine that performs risk analysis, fraud protection, and makes lending decisions.