Abstract: Systems and methods herein describe a digital wallet system. The digital wallet system identifies a first request to initiate a first transaction, receives first sensitive data corresponding to the first transaction, initiates a digital wallet based on the first sensitive data, the initiating comprising generating a first wallet item designated for completing the first transaction, stores the first wallet item in association with the generated digital wallet, and stores the digital wallet.

Abstract: A machine may be configured to facilitate partial reductions of an amount by generating and providing a graphical user interface that enables a user to specify one or more partial reductions of the amount, thus defining or otherwise controlling how the amount is to be reduced in stages by such partial reductions. For example, in situations where a total amount is to be reduced in stages by multiple partial reductions, the generated and provided graphical user interface may be operable to specify each stage of reduction by enabling the user to select a corresponding account for each stage of reduction. The corresponding account may be selected from among a set of multiple available accounts, each with a respectively corresponding available amount, any of which may be an accumulated amount gathered from a periodic series of transactions authorized to occur periodically.