Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financia

Abstract: Receiving a first set of customer identification and verification data. The first set of data is a proper subset of the data required for access to all the features of a computer-implemented account. Providing to the customer access to a first set of one or more features corresponding to the first set of data. Receiving a customer request for access to an additional feature of the account outside the first set of one or more features. Requesting a second set of customer identification and verification data, wherein the second set of data corresponds to the certain data required for access to the additional feature. Receiving the requested second set of data. Providing to the customer access to the additional feature.

Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financia

Abstract: Managing user devices associated with a digital wallet account comprises associating, using one or more computing devices, one or more user computing devices with a digital wallet account of a user, each of the associated one or more user computing devices being activated to conduct financial transactions with a merchant utilizing the digital wallet account; presenting the associated user computing devices in a list of associated user computing devices; receiving a request to deactivate a particular user computing device from the list of associated user computing devices; deactivating the particular user computing device, the deactivation being sufficient to prevent the user computing device from conducting transactions with a merchant utilizing the digital wallet account; and presenting a deactivated status of the particular user computing device.

Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financia

Abstract: Matching refunds to the appropriate payment instrument employed in a proxy card transaction comprises receiving a first payment authorization request for a transaction between a merchant and a user, the payment authorization request comprising an identification of an account of the user and an identifier for the transaction, the user account having associated therewith a plurality of payment instruments available for conducting payment transactions; determining a particular payment instrument with which to conduct the transaction; associating the transaction identifier with the particular payment instruments utilized in the transaction; receiving a first refund instruction to refund all or a portion of a payment amount of the transaction, the first refund instruction comprising the transaction identifier; determining the particular payment instrument associated with the transaction identifier provided in the first refund instruction; and initiating the refund to the particular payment instrument determined to