Multi-platform in-application payment system

A method for providing multi-platform application payments, comprising:

• receiving a fund transfer request through a network from a user device;
• in response to the receiving, performing, by a payment service provider device, a fund transfer to transfer funds from a funding source to a user account;
• designating, by the payment service provider device, a first fund amount of the funds for a primary user account budget that is associated with a first application platform and a second fund amount of the funds for a secondary user account budget that is associated with a second application platform that is different than the first application platform;
• receiving, by the payment service provider device through the network via a first platform application provided on the first user device, a first application platform purchase instruction;
• determining, by the payment service provider device in response to receiving the first application platform purchase instruction, that the primary user account budget includes sufficient funds to satisfy the first application platform purchase instruction;
• causing, by the payment service provider device in response to determining that the primary user account budget includes sufficient funds to satisfy the first application platform purchase instruction, a first payment to be made using at least some of the first fund amount designated for the primary user account budget;
• receiving, by the payment service provider device through the network via a second platform application provided on a second user device, a second application platform purchase instruction;
• determining, by the payment service provider device in response to receiving the second application platform purchase instruction, that the secondary user account budget includes sufficient funds to satisfy the second application platform purchase instruction;
• and
• causing, by the payment service provider device in response to determining that the secondary user account budget includes sufficient funds to satisfy the second application platform purchase instruction, a second payment to be made using at least some of the second fund amount designated for the secondary user account budget.

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

• receiving, through a network from a first user device, fund transfer instructions;
• transferring, in response to the fund transfer instructions, funds from a funding source to a user account that is associated with a primary account budget and a secondary account budget;
• allocating a first fund amount of the funds to the primary account budget that is associated with a first platform application and to a second fund amount of the funds to the secondary account budget that is associated with a second platform application that is provided by a different application platform than the first platform application;
• receiving, through the network via the first platform application provided on the first user device, a first platform application purchase instruction;
• determining, in response to receiving the first platform application purchase instruction, that the primary user account budget includes sufficient funds to satisfy the first platform application purchase instruction;
• causing, in response to determining that the primary user account budget includes sufficient funds to satisfy the first platform application purchase instruction, a first payment to be made using at least some of the first fund amount allocated to the primary user account budget;
• receiving, through the network via the second platform application provided on a second user device, a second platform application purchase instruction;
• determining in response to receiving the second platform application purchase instruction, that the secondary user account budget includes sufficient funds to satisfy the second platform application purchase instruction;
• and
• causing, in response to determining that the secondary user account budget includes sufficient funds to satisfy the second platform application purchase instruction, a second payment to be made using at least some of the second fund amount allocated to the secondary user account budget.