Abstract: The method comprises receiving a token request, from a first transaction system, for generating a token associated with a user account. Responsive to receiving the token request, generating the token that authorizes use of an initial transaction resource at a second transaction system. The method includes generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system. The token is transmitted to the first transaction system for use at the first transaction system. The method includes receiving a transaction request, including the token, for using the token for a first transaction. In response to receiving the transaction request, the transaction is processed based on the token, a state of the first user account, and the transaction preferences. The processing of the transaction includes determining whether to revise use of the initial transaction resources to one or more other transaction resources.

Abstract: The method comprises receiving a token request, from a first transaction system, for generating a token associated with a user account. Responsive to receiving the token request, generating the token that authorizes use of an initial transaction resource at a second transaction system. The method includes generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system. The token is transmitted to the first transaction system for use at the first transaction system. The method includes receiving a transaction request, including the token, for using the token for a first transaction. In response to receiving the transaction request, the transaction is processed based on the token, a state of the first user account, and the transaction preferences. The processing of the transaction includes determining whether to revise use of the initial transaction resources to one or more other transaction resources.