Abstract: Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier.

Abstract: Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier.

Abstract: Systems and methods are disclosed for allocating funds from a primary account to one or more configurable payment cards for use in a payment transaction. An electronic transaction system includes an account database storing account and configurable card data for a user. A budget module enables the user to allocate funds to various virtual accounts and assign configurable cards to each virtual account, and configure resource limitations and use restrictions on each virtual account and configurable card. A user device provides an interface for managing the account, budget and configurable card information and receives a real-time account, budget and configurable card information. The configurable cards may be used to make payments through a merchant's point-of-sale system which interfaces with the electronic transaction system to authenticate the card transaction.

Abstract: Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier.