Abstract: Disclosed herein are system, method, and computer program product embodiments for providing a virtual card token to facilitate Real-Time Payment (RTP) network transactions. An account management system may facilitate RTP transactions with consumer bank accounts using the virtual card token. After providing the virtual card token to a user device, the user device may present the virtual card token to a merchant system to conduct a transaction. The virtual card token may operate with existing merchant systems and/or point-of-sale (POS) terminals. The merchant system may provide the virtual card token to the account management system for transaction approval. The account management system may select and retrieve funding from a particular bank account based on user-defined parameters. Upon retrieving funding from the particular bank account via the RTP network, the account management system may approve the transaction and/or provide payment to the merchant system.

Abstract: A system for making payments is disclosed. The system performs steps to at least receive a barcode with embedded information linking to a payee account capable of receiving a payment. Based on receiving the barcode a prompt for display on a browser of the user device can be generated, where the prompt requests identification of a financial institution connected to a user of the user device. The prompt can be transmitted to the user device. Identifying information identifying the financial institution can be received in response to the prompt. The financial institution can be accessed based on the response to the prompt. Based on accessing the user financial institution a request for the payment from the user financial institution to the payee account can be made.

Abstract: Disclosed herein are method, computer program product, and system embodiments for real-time loyalty rewards redemption. A user may earn rewards in a rewards system that have an equivalent value to a digital asset such as a cryptocurrency asset (e.g., Bitcoin, Ethereum, etc.), crypto tokens (e.g., ERC-20, Dogecoin, etc.), and/or the like. A user device (e.g., mobile device, smart device, etc.) may request to redeem the rewards value in the form of the digital asset, initiating transfer of the digital asset from an asset management system to a digital wallet of the user device. The transfer of the digital asset from the asset management system to the digital wallet of the user device happens in real-time. After the digital asset is transferred to the user device, it may be exchanged for monetary value via a third party redemption service or used as payment.