Abstract: A method for processing a payment transaction and a personal record associated with the payment transaction is provided. The method includes receiving a request to authorize the payment transaction wherein the authorization request includes a cardholder ID and a payment transaction amount, and transmitting an authorization confirmation message to at least one of a cardholder computing device and a first service provider computing device. The method also includes receiving a request to process a personal record transaction associated with the payment transaction and a second service provider, and processing the personal record transaction including at least one of (i) storing the personal record in the memory, and (ii) transmitting the personal record to at least one of the cardholder and the second service provider. The second service provider may be the same as or different than the first service provider.

Abstract: A computer-implemented method for performing an electronic transaction over a payment network system is provided. The transaction is initiated by a cardholder using a cardholder computer device in communication with a merchant computer device of a merchant, wherein the cardholder computer device is associated with a vehicle. The method includes receiving first merchant data at the cardholder computer device when the vehicle is located within a predetermined distance of the merchant computer device. The cardholder is prompted to select a purchase item from first merchant data. The method includes transmitting purchase data including at least one of an account data and a purchase item data to the merchant computer device, wherein the merchant computer device is configured to generate a payment authorization request message. The cardholder computer device receives a confirmation message in response to the authorization request message.