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: Disclosed herein are aspects for splitting a transaction. An example aspect begins by receiving transaction information specifying a transaction. The aspect continues by receiving split request information corresponding to the transaction. The split request information specifies how to split the transaction with one or more other parties. Next, the aspect sends, by a first user device, a split request to a second user device based on the split request information. The split request comprises input fields for each of the respective one or more other parties. These input fields include respective payer account identifier and actual payment amount fields. The aspect continues by receiving, based on an input from a user interface of the second user device, the payer account identifier and the actual payment amount. Lastly, the aspect sends a payment request to a payer account corresponding to the payer account identifier for the actual payment amount.