主权项 |
1. A computer-implemented method for rendering dynamic electronic receipts during purchase transactions that utilize delayed processing windows, comprising:
receiving, by one or more computing devices, a merchant payment request from one or more computing devices operated by a merchant system, the merchant payment request comprising an account identifier for a user account maintained by a payment management system and a transaction value, and wherein the merchant payment request seeks authorization for a payment transaction between the a user and the merchant system; determining, by the one or more computing devices, which user account corresponds to the account identifier; creating, by the one or more computing devices, a dynamic electronic receipt, wherein the dynamic electronic receipt comprises information received in the merchant payment request; determining, by the one or more computing devices, to approve the merchant payment request prior to requesting a funding payment request from an issuer of the one or more financial accounts; in response to determining to approve the merchant payment request, transmitting, by the one or more computing device, a merchant payment authorization to the one or more computing devices operated by the merchant system for the payment transaction between the user and the merchant system; updating, by the one or more computing devices, the dynamic electronic receipt to reflect the approval of the merchant payment request; determining, by the one or more computing devices, which of the one or more financial accounts saved in the user account maintained by the payment management system to request a funding payment from by submitting the backing payment request; in response to determining the financial account to request the funding payment from, submitting, by the one or more computing devices, the backing payment request, wherein a window of time has passed between the transmission of the merchant payment authorization and the submission of the backing payment request; and updating, by the one or more computing devices, the dynamic electronic receipt to reflect the submission of the backing payment request to the issuer of the financial account. |