Abstract: Techniques are disclosed for providing secure transaction functionality using a centralized digital gateway configured to process transactions of various types, using different transaction processing entities, within a single processing flow. The digital gateway may implement rules and logic to optimize transaction processing costs. Additionally, transaction authorization, various types of transaction analyses, and transaction processing and dispatch processes may be performed in parallel, as directed by the implemented rules and logic, in order to optimize transaction processing costs and processing speeds. Further, digital gateway may be configured to normalize transaction request data across different transaction types, allowing the transaction request data to be transmitted in a uniform manner to related back-end systems, partner systems, and transaction processors.

Abstract: A payment provider card can be used on any credit card or bank network in order to access the user's payment provider account at the POS of non-payment provider integrated merchants. The consumer may swipe or have the card read through NFC or other means, at the POS, where the information contained in the card is communicated to the payment provider through a credit card or bank card network or rails that is already part of the merchant payment network.