Abstract: A communication system includes a server, and a mobile wireless communications device associated with a user and in communication with the server. A processor is configured to provide a multi-feature integrated digital wallet graphical user interface on a display. The multi-feature integrated digital wallet graphical user interface includes a data fusion menu having software features for accessing different accounts with corresponding different databases. The different accounts are each associated with the user and each having differing data. The multi-feature integrated digital wallet graphical user interface also includes a digital wallet payment menu providing access to digital payment cards, and a combination payment card configured to conduct a transaction for the user with a given digital payment card from the payment cards and points from a membership point aggregation account associated with the user.